Financial Key Data Ratios Income statement Balance sheet figures Other figures Key performance indicators for download
2023 2022 2021 2020 2019 Total capital ratio 18.0% 17.6% 17.3% 18.0% 16.5% Core capital ratio 16.7% 15.8% 15.9% 16.3% 15.2% Cost-income ratio 63.7% 75.9% 79.8% 81.2% 76.3% Return on equity (after tax) 4.8% 3.4% 3.5% 3.5% 3.6%
EUR m 2023 2022 2021 2020 2019 Net interest income 970.2 766.4 685.0 750.4 691.1 Net commission income 178.3 184.1 193.0 184.3 175.3 General administrative expenses -738.8 - 737.3 - 715.0 - 720.9 - 683.9 Profit before risk provisioning 433.9 241.1 188.1 184.7 217.7 Risk provisioning from the operating business* - 64.1 - 43.1 - 14.3 - 40.1 - 43.5 Risk provisioning with reserve character business -131.9 - 46.5 - 49.5 - 33.4 - 57.1 Net profit after tax 94.2 65.8 65.4 65.3 64.1 * This includes risk provisioning for the customer lending business as well as for financial instruments and participations.
EUR m 2023 2022 2021 2020 2019 Balance sheet total 50,727 54,184 67,372 59,440 49,603 Equity capital 2,046 1,984 1,981 1,915 1,868 Customer loans 35,309 37,008 37,787 38,240 37,291 Customer deposits 29,422 33,934 37,140 33,241 29,237
2023 2022 2021 2020 2019 Members 112,431 113,543 115,239 116,055 115,884 Costumers 501,823 498,474 --- 481,000 481,070 Employees 2,299 2,269 2,246 2,354 2,448
