Financial Key Data


Financial Key Data


Ratios

  2021 2020 2019 2018 2017
Total capital ratio                                               17.3% 18.0% 16.5% 18.3% 21.8%
Core capital ratio 15.9% 16.3% 15.2% 16.7% 19.5%
Cost-income ratio 79.8% 81.2% 76.3% 73.1% 72.6%
Return on equity (after tax)   3.5% 3.5% 3.6% 3.6% 3.6%

Income statement

EUR m 2021 2020 2019 2018 2017
Net interest income   685.0  750.4   691.1   632.4   606.2
Net commission income   193.0  184.3   175.3   164.9   156.3
General administrative expenses - 715.0 - 720.9 - 683.9   597.6   530.1
Profit before risk provisioning   188.1  184.7   217.7   233.6   223.7
Risk provisioning from the operating business*  - 14.3  - 40.1   - 43.5   - 31.9    12.1
Risk provisioning with reserve character business  - 49.5  - 33.4   - 57.1   - 88.3 - 103.0
Net profit after tax    65.4    65.3     64.1     62.9    61.9
* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures


EUR m
2021 2020 2019 2018 2017
Balance sheet total          67,372 59,440 49,603 45,376 41,369
Equity capital   1,981 1,915 1,868 1,810 1,768
Customer loans 37,787 38,240 37,291 34,652 32,013
Customer deposits 37,140 33,241 29,237 27,449 26,037

Other figures

  2021 2020 2019 2018 2017
Members                         115,239 116,055 115,884 113,455 111,494
Costumers --- 481,000 481,070 458,770 436,260
Employees 2,246 2,354 2,448 2,523 2,553