Financial Key Data

Ratios

  2014 2015 2016 2017 2018
Total capital ratio 25.0% 26.1% 26.1% 21.8% 18.3%
Core capital ratio 20.2% 22.0% 22.6% 19.5% 16.7%
Cost-income ratio 62.1% 64.3% 69.2% 72.6% 73.1%
Return on equity (after tax) 3.6% 3.6% 3.7% 3.6% 3.6%

Income statement

EUR m
2014 2015 2016 2017 2018
Net interest income 698.3 675.2 625.6 606.2 632.4
Net commission income 123.5 133.0 139.0 156.3 164.9
General administrative expenses 478.6
496.0
516.4 530.1 597.6
Profit before risk provisioning 337.1 304.8 249.2 223.7 233.6
Risk provisioning from the operating business* -59.2 -39.2 5.7 12.1 -31.9
Risk provisioning with reserve character business
-135.9 -112.2 -95.3 -103.0 -88.3
Net profit after tax
54.5 59.1 61.0 61.9 62.9
* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures

EUR m
2014 2015 2016 2017 2018
Balance sheet total 35,129 36,447 38,604 41,369 45,376
Equity capital 1,846 1,692 1,729 1,768 1,810
Customer loans 27,037 27,893 29,492 32,013 34,652
Customer deposits 21,737 23,588 25,797 26,037 27,449

Other figures

  2014 2015 2016 2017 2018
Members 105,864 107,768 109,680 111,494 113,455
Customers 382,000 397,000 415,700 436,260 458,770
Employees 2,486 2,563 2,598 2,553 2,523