Annual Report 2018

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 in Excel format in the download center.

Fee, commission, and bonus payments to cooperative banks

2,299 € m

+ 2.2 %

Year-on-year comparison

Fee, commission, and bonus payments to cooperative banks

2,249€ m

Current year

Cost/income ratio

74.5 %

+ 14.1 percentage points

Year-on-year comparison

Cost/income ratio

60.4 %

Current year

Average number of employees during the year

30,732

+ 1.5 %

Year-on-year comparison

Average number of employees during the year

30,279

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_2018_ dzb_ar_2018.xls
{ "values": [ { "data": [ {"values": [6146,5858,6110,6555,5450], "name": "Income"}, {"values": [-191,-153,-569,-786,-21], "name": "Loss allowances"}, {"values": [2867,2453,2197,1810,1370], "name": "Profit before taxes"}, {"values": [2157,1796,1606,1098,918], "name": "Net profit"} ], "unit": "in \u20ac millions", "title": "Financial performance", "zeroes": 0, "yearlabel": ["2014","2015","2016","2017","2018"] }, { "data": [ {"values": [79317,80735,107253,89414,91627], "name": "Loans and advances to banks"}, {"values": [122437,126850,176532,174376,174438], "name": "Loans and advances to customers"}, {"values": [54449,49520,49279,38709,37942], "name": "Financial assets held for trading"}, {"values": [57126,54305,70180,57486,48262], "name": "Investments"}, {"values": [79632,84744,90373,96416,100840], "name": "Investments held by insurance companies"} ], "unit": "in \u20ac millions", "title": "Financial position - Assets", "zeroes": 0, "yearlabel": ["2014","2015","2016","2017","2018"] }, { "data": [ {"values": [89254,97227,129280,136122,142486], "name": "Deposits from banks"}, {"values": [96428,96186,124425,126319,132548], "name": "Deposits from customers"}, {"values": [55609,54951,78238,67327,63909], "name": "Debt certificates issued including bonds"}, {"values": [51702,45377,50204,44280,44979], "name": "Financial liabilities held for trading"}, {"values": [18106,19729,22836,23505,23512], "name": "Equity"}, {"values": [402543,408341,509447,505594,518733], "name": "Total assets/total equity and liabilities"} ], "unit": "in \u20ac millions", "title": "Financial position - Equity and liabilities", "zeroes": 0, "yearlabel": ["2014","2015","2016","2017","2018"] }, { "data": [ {"values": [50.2,55.5,58.9,60.4,74.5], "name": "Cost/income ratio"} ], "unit": "in %", "title": "Performance key figures", "zeroes": 1, "yearlabel": ["2014","2015","2016","2017","2018"] }, { "data": [ {"values": [16.8,18.8,18.6,17.2,16.8], "name": "Total capital ratio"}, {"values": [13.7,15.6,16.0,14.3,14.3], "name": "Tier 1 capital ratio"} ], "unit": "in %", "title": "Capital ratios", "zeroes": 1, "yearlabel": ["2014","2015","2016","2017","2018"] }, { "data": [ {"values": [29596,30029,29341,30279,30732], "name": "Average number of employees during the year"} ], "unit": "persons", "title": "Employees", "zeroes": 0, "yearlabel": ["2014","2015","2016","2017","2018"] } ], "years": [2014,2015,2016,2017,2018] }

Year-on-year comparison

XLS

 

€ million (Note) 2018 2017
Net interest income (34) 2,799 2,941
  Interest income   5,785 6,2521
     Interest income calculated using the effective interest method   3,846  
     Interest income not calculated using the effective interest method   1,939  
Current income and expense   73 25
Interest expense   -3,059 -3,3361
Net fee and commission income (35) 1,955 1,864
Fee and commission income   3,760 3,585
Fee and commission expenses   -1,805 -1,721
Gains and losses on trading activities (36) 285 506
Gains and losses on investments (37) 150 10
Other gains and losses on valuation of financial instruments (38) -120 289
Premiums earned (39) 15,997 15,181
Gains and losses on investments held by insurance companies and other insurance company gains and losses (40) 1,273 3,474
Insurance benefit payments (41) -14,208 -15,312
Insurance business operating expenses (42) -2,572 -2,436
Loss allowances (43) -21 -786
Administrative expenses (44) -4,059 -3,9591
Other net operating income (45) -109 38
Profit before taxes   1,370 1,810
Income taxes (46) -452 -712
Net profit   918 1,098
       
Attributable to:      
Shareholders of DZ BANK   824 957
Non-controlling interests   94 141

1 Amount restated (see note 2).