Financial Key Data


Financial Key Data


Ratios

  2020 2019 2018 2017 2016
Total capital ratio 18.0% 16.5% 18.3% 21.8% 26.1%
Core capital ratio 16.3% 15.2% 16.7% 19.5% 22.6%
Cost-income ratio 81.2% 76.3% 73.1% 72.6% 69.2%
Return on equity (after tax) 3.5% 3.6% 3.6% 3.6% 3.7%

Income statement

EUR m 2020 2019 2018 2017 2016
Net interest income  750.4   691.1   632.4   606.2   625.6
Net commission income  184.3   175.3   164.9   156.3   139.0
General administrative expenses -720.9 - 683.9   597.6   530.1   516.4
Profit before risk provisioning  184.7   217.7   233.6   223.7   249.2
Risk provisioning from the operating business*  - 40.1   - 43.5   - 31.9    12.1      5.7
Risk provisioning with reserve character business  - 33.4   - 57.1   - 88.3 - 103.0  - 95.3
Net profit after tax    65.3     64.1     62.9    61.9    61.0
* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures


EUR m
2020 2019 2018 2017 2016
Balance sheet total          59,440 49,603 45,376 41,369 38,604
Equity capital 1,915 1,868 1,810 1,768 1,729
Customer loans 38,240 37,291 34,652 32,013 29,492
Customer deposits 33,241 29,237 27,449 26,037 25,797

Other figures

  2020 2019 2018 2017 2016
Members                         116,055 115,884 113,455 111,494 109,680
Costumers 481,000 481,070 458,770 436,260 415,000
Employees 2,354 2,448 2,523 2,553 2,598