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Financial Key Data


Financial Key Data


Ratios

  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%

Income statement

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.

Balance sheet figures


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

Other figures

  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