Financial Key Data

Ratios

  2011 2012 2013 2014 2015
Equity ratio* 13.0% 14.4% 23.0% 25.0% 26.1%
Core capital ratio** 8.5% 10.4% 17.0% 20.2%*** 22.0%
Cost-income ratio 65.4% 62.4% 61.8% 62.1% 64.3%
Return on equity (after tax) 3.3% 3.4% 3.4% 3.6% 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
2011 2012 2013 2014 2015
Net interest income 646.7 694.0 679.2 698.3 675.2
Net commission income 119.1 116.2 103.7 123.5 133.0
General administrative expenses 485.4 479.7 460.7 478.6 496.0
Profit before risk provisioning 280.4 324.1 314.8 337.1 304.8
Risk costs and precautionary measures          
- for the customer loan business 65.1 81.3 53.9    
- for financial instruments and participations* 125.0 92.1 55.4    
Risk provisioning from the operating business**       59.2 39.2
Risk provisioning with reserve character business
      135.9 112.2
Net profit after tax
43.1 45.4 47.4 54.5 59.1

* 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
2011 2012 2013 2014 2015
Balance sheet total 38,840 37,888 34,695 35,129 36,447
Equity capital 1,701 1,724 1,844 1,846 1,692
Customer loans 26,830 27,116 26,794 27,037 27,893
Customer deposits 19,301 19,591 20,122 21,737 23,588

Other figures

  2011 2012 2013 2014 2015
Members 99,759 100,332 104,092 105,864 107,768
Customers 359,900 364,500 373,000 382,000 397,000
Employees 2,470 2,360 2,387 2,486 2,563