Financial Key Data

Financial Key Data


Ratios

  2019 2018 2017 2016 2015
Total capital ratio 16.5% 18.3% 21.8% 26.1% 26.1%
Core capital ratio 15.2% 16.7% 19.5% 22.6% 22.0%
Cost-income ratio 76.3% 73.1% 72.6% 69.2% 64.3%
Return on equity (after tax) 3.6% 3.6% 3.6% 3.7% 3.6%

Income statement

EUR m 2019 2018 2017 2016 2015
Net interest income   691.1   632.4   606.2   625.6   675.2
Net commission income   175.3   164.9   156.3   139.0   133.0
General administrative expenses - 683.9   597.6   530.1   516.4   496
Profit before risk provisioning   217.7   233.6   223.7   249.2   308.4
Risk provisioning from the operating business*   - 43.5   - 31.9    12.1      5.7  - 39.2
Risk provisioning with reserve character business   - 57.1   - 88.3 - 103.0  - 95.3 - 112.2
Net profit after tax     64.1     62.9    61.9    61.0    59.1
* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures


EUR m
2019 2018 2017 2016 2015
Balance sheet total 49,603 45,376 41,369 38,604 36,447
Equity capital 1,868 1,810 1,768 1,729 1,692
Customer loans 37,291 34,652 32,013 29,492 27,893
Customer deposits 29,237 27,449 26,037 25,797 23,588

Other figures

  2019 2018 2017 2016 2015
Members 115,884 113,455 111,494 109,680 107,768
Costumers 481,070 458,770 436,260 415,000 397,000
Employees 2,448 2,523 2,553 2,598 2,563
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