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Financial Key Data

Financial Key Data


Ratios

  2018 2017 2016 2015 2014
Total capital ratio 18,3% 21,8% 26,1% 26,1% 25,0%
Core capital ratio 16,7% 19,5% 22,6% 22,0% 20,2%
Cost-income ratio 73,1% 72,6% 69,2% 64,3% 62,1%
Return on equity (after tax) 3,6% 3,6% 3,7% 3,6% 3,6%

Income statement

EUR m 2018 2017 2016 2015 2014
Net interest income 632.4 606.2 625.6 675.2 698.3
Net commission income 164.9 156.3 139.0 133.0 123.5
General administrative expenses 597.6 530.1 516.4 496 478.6
Profit before risk provisioning 233.6 223.7 249.2 308.4 337.1
Risk provisioning from the operating business* - 31.9 12.1 5.7 -39.2 -59.2
Risk provisioning with reserve character business - 88.3 - 103.0 -95.3 -112.2 -135.9
Net profit after tax 62.9 61.9 61.0 59.1 54.5
* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures


EUR m
2018 2017 2016 2015 2014
Balance sheet total 45,376 41,369 38,604 36,447 35,129
Equity capital 1,810 1,768 1,729 1,692 1,846
Customer loans 34,652 32,013 29,492 27,893 27,037
Customer deposits 27,449 26,037 25,797 23,588 21,737

Other figures

  2018 2017 2016 2015 2014
Members 113,455 111,494 109,680 107,768 105,864
Costumers 458,770 436,260 415,000 397,000 382,000
Employees 2,523 2,553 2,598 2,563 2,486

Regulatory Key Figures

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