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Financial Key Data

Ratios

  2025 2024 2023 2022 2021
Equity ratio 22.7% 18.3% 18.0% 17.6% 17.3%
Core capital ratio 20.9% 17.1% 16.7% 15.8% 15.9%
Cost-income ratio 66.3% 66.5% 63.7% 75.9% 79.8%
Return on equity (after tax)   4.8%   4.8%   4.8%   3.4%   3.5%

Income statement

EUR m 2025 2024 2023 2022 2021
Net interest income   977.1   972.0   970.2   766.4   685.0
Net commission income   197.7   177.2   178.3   184.1   193.0
General administrative expenses - 783.6 - 731.1 - 738.8 - 737.3 - 715.0
Profit before risk provisioning   413.0   408.2   433.9   241.1   188.1
Risk provisioning from the operating business*   - 78.6   - 61.4   - 64.1   - 43.1  - 14.3
Risk provisioning with reserve character business   - 98.8   - 35.0 - 131.9   - 46.5  - 49.5
Net profit after tax     99.8     96.0     94.2     65.8    65.4
* Incl. risk provisioning for lending business and securities and participations.

Balance sheet figures

EUR m 2025 2024 2023 2022 2021
Balance sheet total          52,438 51,812 50,727 54,184 67,372
Equity capital   2,205   2,094   2,046   1,984   1,981
Customer loans 35,035 34,743 35,309 37,008 37,787
Customer deposits 33,151 30,279 29,422 33,934 37,140

Other figures

  2025 2024 2023 2022 2021
Members                         111,591 111,472 110,436* 113,543 115,239
Costumers 513,665 505,947 501,823 498,474 ---
Employees     2,359     2,341     2,299     2,269     2,246
* adjusted retrospectively

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