Financial Key Data Ratios Income statement Balance sheet figures Other figures Key performance indicators for download
2022 2021 2020 2019 2018 Total capital ratio 17.6% 17.3% 18.0% 16.5% 18.3% Core capital ratio 15.8% 15.9% 16.3% 15.2% 16.7% Cost-income ratio 75.9% 79.8% 81.2% 76.3% 73.1% Return on equity (after tax) 3.4% 3.5% 3.5% 3.6% 3.6%
EUR m 2022 2021 2020 2019 2018 Net interest income 766.4 685.0 750.4 691.1 632.4 Net commission income 184.1 193.0 184.3 175.3 164.9 General administrative expenses - 737.3 - 715.0 - 720.9 - 683.9 597.6 Profit before risk provisioning 241.1 188.1 184.7 217.7 233.6 Risk provisioning from the operating business* - 43.1 - 14.3 - 40.1 - 43.5 - 31.9 Risk provisioning with reserve character business - 46.5 - 49.5 - 33.4 - 57.1 - 88.3 Net profit after tax 65.8 65.4 65.3 64.1 62.9 * This includes risk provisioning for the customer lending business as well as for financial instruments and participations.
EUR m 2022 2021 2020 2019 2018 Balance sheet total 54,184 67,372 59,440 49,603 45,376 Equity capital 1,984 1,981 1,915 1,868 1,810 Customer loans 37,008 37,787 38,240 37,291 34,652 Customer deposits 33,934 37,140 33,241 29,237 27,449
2022 2021 2020 2019 2018 Members 113,543 115,239 116,055 115,884 113,455 Costumers 498,474 --- 481,000 481,070 458,770 Employees 2,269 2,246 2,354 2,448 2,523
