Annual Report 2017

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.

Fee, commission, and bonus payments to cooperative banks

2,249 € m

+ 10.5 %

Year-on-year comparison

Fee, commission, and bonus payments to cooperative banks

2,035 € m

Current year

Cost/income ratio

59.0 %

+ 0.1 percentage points

Year-on-year comparison

Cost/income ratio

58.9 %

Current year

Average number of employees during the year

30,279

+ 3.2 %

Year-on-year comparison

Average number of employees during the year

29,341

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_2017_ dzb_ar_2017.xls
{ "values": [ { "data": [ {"values": [5698,6146,5858,6110,6555], "name": "Income"}, {"values": [-540,-191,-153,-569,-786], "name": "Allowances for losses on loans and advances"}, {"values": [2221,2867,2453,2197,1810], "name": "Profit before taxes"}, {"values": [1467,2157,1796,1606,1098], "name": "Net profit"} ], "unit": "in \u20ac millions", "title": "Financial performance", "zeroes": 0, "yearlabel": ["2013","2014","2015","2016","2017"] }, { "data": [ {"values": [74214,79317,80735,107253,120489], "name": "Loans and advances to banks"}, {"values": [120158,122437,126850,176532,174376], "name": "Loans and advances to customers"}, {"values": [52857,54449,49520,49279,38709], "name": "Financial assets held for trading"}, {"values": [56892,57126,54305,70180,57486], "name": "Investments"}, {"values": [70237,79632,84744,90373,96416], "name": "Investments held by insurance companies"} ], "unit": "in \u20ac millions", "title": "Financial position - Assets", "zeroes": 0, "yearlabel": ["2013","2014","2015","2016","2017"] }, { "data": [ {"values": [91158,89254,97227,129280,136122], "name": "Deposits from banks"}, {"values": [98411,96428,96186,124425,126319], "name": "Deposits from customers"}, {"values": [52754,55609,54951,78238,67327], "name": "Debt certificates issued including bonds"}, {"values": [45768,51702,45377,50204,44280], "name": "Financial liabilities held for trading"}, {"values": [14188,18106,19729,22836,23505], "name": "Equity"}, {"values": [385398,402543,408341,509447,505594], "name":"Total assets/total equity and liabilities"} ], "unit": "in \u20ac millions", "title": "Financial position - Equity and liabilities", "zeroes": 0, "yearlabel": ["2013","2014","2015","2016","2017"] }, { "data": [ {"values": [51.5,50.2,55.5,58.9,59.0], "name": "Cost/income ratio"} ], "unit": "in %", "title": "Performance key figures", "zeroes": 1, "yearlabel": ["2013","2014","2015","2016","2017"] }, { "data": [ {"values": [17.9,16.8,18.8,18.6,17.4], "name": "Total capital ratio"}, {"values": [16.4,13.7,15.6,16.0,15.3], "name": "Tier 1 capital ratio"} ], "unit": "in %", "title": "Financial key figures", "zeroes": 1, "yearlabel": ["2013","2014","2015","2016","2017"] }, { "data": [ {"values": [28962,29596,30029,29341,30279], "name": "Average number of employees during the year"} ], "unit": "persons", "title": "Employees", "zeroes": 0, "yearlabel": ["2013","2014","2015","2016","2017"] } ], "years": [2013,2014,2015,2016,2017] }

Year-on-year comparison

XLS

 

€ million (Note) 2017 2016
Net interest income (34) 2,941 2,660
Interest income and current income and expense   6,692 6,811
Interest expense   -3,751 -4,151
Allowances for losses on loans and advances (35) -786 -569
Net fee and commission income (36) 1,864 1,698
Fee and commission income   3,585 3,236
Fee and commission expenses   -1,721 -1,538
Gains and losses on trading activities (37) 506 780
Gains and losses on investments (38) 10 127
Other gains and losses on valuation of financial instruments (39) 289 51
Premiums earned (40) 15,181 14,658
Gains and losses on investments held by insurance companies and other insurance company gains and losses (41) 3,474 3,815
Insurance benefit payments (42) -15,312 -15,400
Insurance business operating expenses (43) ‐2,436 -2,313
Administrative expenses (44) -3,868 -3,600
Other net operating income (45) 38 34
Net income from the business combination with WGZ BANK   -91 256
Profit before taxes   1,810 2,197
Income taxes (46) -712 -591
Net profit   1,098 1,606
       
Attributable to:      
Shareholders of DZ BANK   957 1,468
Non-controlling interests   141 138