Financial Key Data

Ratios

  2012 2013 2014 2015 2016
Equity ratio* 14.4% 23.0% 25.0% 26.1% 26.1%
Core capital ratio** 10.4% 17.0% 20.2%*** 22.0% 22.6%
Cost-income ratio 62.4% 61.8% 62.1% 64.3% 69.2%
Return on equity (after tax) 3.4% 3.4% 3.6% 3.6% 3.7%
* 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
2012 2013 2014 2015 2016
Net interest income 694.0 679.2 698.3 675.2 625.6
Net commission income 116.2 103.7 123.5 133.0 139.0
General administrative expenses 479.7 460.7 478.6 496.0 516.4
Profit before risk provisioning 324.1 314.8 337.1 304.8 249.2
Risk costs and precautionary measures          
- for the customer loan business 81.3 53.9      
- for financial instruments and participations* 92.1 55.4      
Risk provisioning from the operating business**     -59.2 -39.2 5.7
Risk provisioning with reserve character business
    -135.9 -112.2 -95.3
Net profit after tax
45.4 47.4 54.5 59.1 61.0

* 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
2012 2013 2014 2015 2016
Balance sheet total 37,888 34,695 35,129 36,447 38,604
Equity capital 1,724 1,844 1,846 1,692 1,729
Customer loans 27,116 26,794 27,037 27,893 29,492
Customer deposits 19,591 20,122 21,737 23,588 25,797

Other figures

  2012 2013 2014 2015 2016
Members 100,332 104,092 105,864 107,768 109,680
Customers 364,500 373,000 382,000 397,000 415,700
Employees 2,360 2,387 2,486 2,563 2,598