Financial Key Data

Ratios

  2013 2014 2015 2016 2017
Equity ratio* 23.0% 25.0% 26.1% 26.1% 21.8%
Core capital ratio** 17.0% 20.2%*** 22.0% 22.6% 19.5%
Cost-income ratio 61.8% 62.1% 64.3% 69.2% 72.6%
Return on equity (after tax) 3.4% 3.6% 3.6% 3.7% 3.6%
* Since 2014 according to Capital Requirements Regulation (CRR)
** Since 2014 core capital ratio (CET 1 ratio)
*** As of 1 January 2014 CET1 ratio according to CRR was at 15.2%

 

Income statement

EUR m
2013 2014 2015 2016 2017
Net interest income 679.2 698.3 675.2 625.6 606.2
Net commission income 103.7 123.5 133.0 139.0 156.3
General administrative expenses 460.7 478.6 496.0 516.4 530.1
Profit before risk provisioning 314.8 337.1 304.8 249.2 223.7
Risk costs and precautionary measures          
- for the customer loan business 53.9        
- for financial instruments and participations* 55.4        
Risk provisioning from the operating business**   -59.2 -39.2 5.7 12.1
Risk provisioning with reserve character business
  -135.9 -112.2 -95.3 -103.0
Net profit after tax
47.4 54.5 59.1 61.0 61.9

* Includes general value adjustments and allocation to provisioning reserves pursuant to Section 340f of the German Commercial Code (HGB)  and extraordinary expenses.

** This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures

EUR m
2013 2014 2015 2016 2017
Balance sheet total 34,695 35,129 36,447 38,604 41,369
Equity capital 1,844 1,846 1,692 1,729 1,768
Customer loans 26,794 27,037 27,893 29,492 32,013
Customer deposits 20,122 21,737 23,588 25,797 26,037

Other figures

  2013 2014 2015 2016 2017
Members 104,092 105,864 107,768 109,680 111,494
Customers 373,000 382,000 397,000 415,700 436,260
Employees 2,387 2,486 2,563 2,598 2,553