Financial highlights
apoBank in numbers
Ratios
| |
2006 |
2007 |
2008 |
2009 |
2010 |
Δ |
Equity ratio¹ |
10.7% |
13.5% |
12.8% |
10.2% |
11.9% |
1.7 |
Core capital ratio¹ |
6.7% |
8.6% |
8.7% |
6.2% |
7.6% |
1.4 |
Cost-income ratio |
55.8% |
55.4% |
56.4% |
57.9% |
58.7% |
0.8 |
Return on equity (after tax) |
8.0% |
7.7% |
3.9% |
-20.2% |
4.1% |
24.3 |
Income statement
| EUR m |
2006 |
2007 |
2008 |
2009 |
2010 |
Δ (%) |
Net interest income |
491.9 |
506.6 |
570.5 |
618.2 |
679.2 |
9.9 |
Net commission income |
142.0 |
171.3 |
136.2 |
111.6 |
127.1 |
13.9 |
General administrative
expenses |
357.8 |
378.3 |
396.3 |
422.6 |
452.4 |
7.1 |
Profit before risk provisioning |
291.6 |
314.0 |
315.9 |
317.8 |
341.0 |
7.3 |
| Risk costs and precautionary measures |
|
|
|
|
|
|
| for the customer loan business² |
85.8 |
50.0 |
48.2 |
103.3 |
69.9 |
-32.3 |
for financial instruments and
participations² |
11.3 |
136.9 |
215.8 |
485.1 |
201.6 |
-58.4 |
Net profit /
Net loss (-) |
113.3 |
113.4 |
59.6 |
-283.1 |
53.4 |
--- |
Balance sheet figures
| EUR m |
2006 |
2007 |
2008 |
2009 |
2010 |
Δ (%) |
Balance sheet total |
32,950 |
37,070 |
41,221 |
41,231 |
38,819 |
-5.8 |
| Equity capital |
1,651 |
1,709 |
1,723 |
1,430 |
1,679 |
17.4 |
Customer loans |
20,662 |
22,035 |
24,554 |
25,600 |
26,277 |
2.6 |
Customer deposits |
12,346 |
14,567 |
15,801 |
16,984 |
18,191 |
7.1 |
Other figures
| |
2006 |
2007 |
2008 |
2009 |
2010 |
Δ (%) |
| Number of members |
100,982 |
100,212 |
100,378 |
101,176 |
99,915 |
-1.2 |
| Number of customers |
298,000 |
306,600 |
319,100 |
333,100 |
347,300 |
4.2 |
| Number of employees |
2,036 |
2,124 |
2,263 |
2,350 |
2,419 |
2.9 |
¹ Until 2006 according to regulatory principle I, from 2007 on according to regulatory SolvV
² Includes general value adjustments and provisioning reserves pursuant to § 340f of the German Commercial Code (HGB)
|
Über die apoBank
