Annual Report 2016

Key figures

Here you will find selected key figures for the DZ BANK Group plus a comparison of the key figures for the past 5 years. You can download other tables, such as an overview of the key figures, in Excel format in the download center.

Common equity Tier 1 capital ratio

14.5 %

+ 0.6 %

Year-on-year comparison

Common equity Tier 1 capital ratio 2015

13.9 %

Current year

Cost/income ratio

58.9 %

+ 3.4 %

Year-on-year comparison

Cost/income ratio 2015

55.5 %

Current year

Comparison of key figures

#ababab,#707172,#0e3c8a,#e6460f,#f08200 #ababab,#707172,#0e3c8a,#e6460f,#f08200 Table Bars Lines Print Download PNG Download Excel Settings DZ_BANK_Annual_Report_2016_ dzb_ar_2016.xls
{ "values": [ { "data": [ {"values": [4701,5698,6146,5858,6110], "name": "Operating income"}, {"values": [-527,-540,-191,-153,-569], "name": "Allowances for losses on loans and advances"}, {"values": [1319,2221,2867,2453,2197], "name": "Profit before taxes"}, {"values": [969,1467,2157,1796,1606], "name": "Net profit"} ], "unit": "in \u20ac millions", "title": "Financial performance", "zeroes": 0, "yearlabel": ["2012","2013","2014","2015","2016"] }, { "data": [ {"values": [79429,74214,79317,80735,107253], "name": "Loans and advances to banks"}, {"values": [123811,120158,122437,126850,176532], "name": "Loans and advances to customers"}, {"values": [66709,52857,54449,49520,49279], "name": "Financial assets held for trading"}, {"values": [59792,56892,57126,54305,70180], "name": "Investments"}, {"values": [66296,70237,79632,84744,90373], "name": "Investments held by insurance companies"} ], "unit": "in \u20ac millions", "title": "Financial position - Assets", "zeroes": 0, "yearlabel": ["2012","2013","2014","2015","2016"] }, { "data": [ {"values": [100596,91158,89254,97227,129280], "name": "Deposits from banks"}, {"values": [92169,98411,96428,96186,124425], "name": "Deposits from customers"}, {"values": [63290,52754,55609,54951,78238], "name": "Debt certificates issued including bonds"}, {"values": [58715,45768,51702,45377,50204], "name": "Financial liabilities held for trading"}, {"values": [12641,14188,18106,19729,22890], "name": "Equity"}, {"values": [407236,385398,402543,408341,509447], "name": "Total assets/total equity and liabilities"} ], "unit": "in \u20ac millions", "title": "Financial position - Equity and liabilities", "zeroes": 0, "yearlabel": ["2012","2013","2014","2015","2016"] }, { "data": [ {"values": [60.7,51.5,50.2,55.5,58.9], "name": "Cost/income ratio"} ], "unit": "in %", "title": "Performance key figures", "zeroes": 1, "yearlabel": ["2012","2013","2014","2015","2016"] }, { "data": [ {"values": [13.8,17.9,16.8,18.8,18.6], "name": "Total capital ratio"}, {"values": [13.6,16.4,13.7,15.6,16.0], "name": "Tier 1 capital ratio"} ], "unit": "in %", "title": "Financial key figures", "zeroes": 1, "yearlabel": ["2012","2013","2014","2015","2016"] }, { "data": [ {"values": [28227,28962,29596,30029,29341], "name": "Average number of employees during the year"} ], "unit": "persons", "title": "Employees", "zeroes": 0, "yearlabel": ["2012","2013","2014","2015","2016"] } ], "years": [2012,2013,2014,2015,2016] }

Year-on-year comparison

XLS

 

€ million (Note) 2016 2015
Net interest income (34) 2,660 2,870
Interest income and current income and expense   6,811 6,6671
Interest expense   -4,151 -3,797
Allowances for losses on loans and advances (35) -569 -153
Net fee and commission income (36) 1,698 1,632
Fee and commission income   3,236 3,159
Fee and commission expenses   -1,538 -1,5271
Gains and losses on trading activities (37) 780 369
Gains and losses on investments (38) 127 59
Other gains and losses on valuation of financial instruments (39) 51 300
Premiums earned (40) 14,658 14,418
Gains and losses on investments held by insurance companies and other insurance company gains and losses (41) 3,815 3,080
Insurance benefit payments (42) -15,400 -14,664
Insurance business operating expenses (43) -2,313 -2,158
Administrative expenses (44) -3,600 -3,2521
Other net operating income (45) 34 -48
Net income from the business combination with WGZ BANK (89) 256  
Profit before taxes   2,197 2,453
Income taxes (46) -591 -657
Net profit   1,606 1,796
       
Attributable to:      
Shareholders of DZ BANK   1,468 1,416
Non-controlling interests   138 380

1 Amount restated.

The income statement for 2016 presents the figures for the pre-merger DZ BANK Group in the first half of 2016 and the performance of the merged bank in the second half of the year. The figures shown are therefore not directly comparable with those of previous years.