Here you will find selected key figures for the DZ BANK Group plus a comparison of key figures for the past 5 years. You can download other tables, e.g. key figures, in Excel format in the download center.
Fee, commission, and bonus payments to cooperative banks
3216
€ m
+ 3.4 %
Fee, commission, and bonus payments to cooperative banks
3,109
€ m
Cost/income ratio
49.3
%
- 3.0 percentage points
Cost/income ratio
52.3
%
Average number of employees during the year
34444
+ 1.8 %
Average number of employees during the year
33,837
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
7242,
7004,
8149,
8700,
9739
],
"name": "Operating income*"
},
{
"values": [
120,
-304,
-362,
-845,
-653
],
"name": "Loss allowances"
},
{
"values": [
3096,
2252,
3189,
3303,
4282
],
"name": "Profit before taxes"
},
{
"values": [
2176,
1341,
2234,
2390,
2880
],
"name": "Net profit"
}
],
"unit": "in \u20ac millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2021",
"2022",
"2023",
"2024",
"2025"
]
},
{
"data": [
{
"values": [
107659,
123444,
128867,
143532,
150288
],
"name": "Loans and advances to banks"
},
{
"values": [
195665,
203646,
204776,
208688,
210224
],
"name": "Loans and advances to customers"
},
{
"values": [
47321,
48909,
34961,
30441,
29631
],
"name": "Financial assets held for trading"
},
{
"values": [
52440,
43393,
47970,
62049,
62885
],
"name": "Investments"
},
{
"values": [
129131,
105955,
115568,
122625,
125690
],
"name": "Investments held by insurance companies"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2021",
"2022",
"2023",
"2024",
"2025"
]
},
{
"data": [
{
"values": [
196562,
186787,
176594,
187526,
189844
],
"name": "Deposits from banks"
},
{
"values": [
138975,
159429,
157627,
154103,
148398
],
"name": "Deposits from customers"
},
{
"values": [
79652,
82349,
103768,
109810,
111452
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
43411,
52478,
47675,
42234,
41148
],
"name": "Financial liabilities held for trading"
},
{
"values": [
28661,
27625,
31069,
32578,
35196
],
"name": "Equity"
},
{
"values": [
627273,
628365,
644589,
659638,
661425
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2021",
"2022",
"2023",
"2024",
"2025"
]
},
{
"data": [
{
"values": [
58.9,
63.5,
56.4,
52.3,
49.3
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2021",
"2022",
"2023",
"2024",
"2025"
]
},
{
"data": [
{
"values": [
18.5,
18.0,
20.1,
20.1,
23.6
],
"name": "Total capital ratio"
},
{
"values": [
16.8,
15.2,
17.7,
17.8,
20.5
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2021",
"2022",
"2023",
"2024",
"2025"
]
},
{
"data": [
{
"values": [
32271,
32985,
33622,
33837,
34444
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2021",
"2022",
"2023",
"2024",
"2025"
]
}
],
"years": [
2021,
2022,
2023,
2024,
2025
]
}
Year-on-year comparison
| € million | (Note) | 2025 | 2024 |
| Net interest income | (33) | 3,839 | 4,670 |
| Interest income | 13,832 | 15,716 | |
| Interest income calculated using the effective interest method | 12,220 | 15,533 | |
| Interest income not calculated using the effective interest method | 1,612 | 183 | |
| Current income and expense | 133 | 127 | |
| Interest expense | -10,127 | -11,173 | |
| Net fee and commission income | (34) | 3,370 | 3,191 |
| Fee and commission income | 6,129 | 5,767 | |
| Fee and commission expenses | -2,759 | -2,575 | |
| Gains and losses on trading activities | (35) | 281 | -842 |
| Gains and losses on investments | (36) | 105 | 65 |
| Other gains and losses on valuation of financial instruments | (37) | -127 | 229 |
| Gains and losses from the derecognition of financial assets measured at amortized cost | (38) | 28 | 40 |
| Insurance service result | 2,604 | 1,400 | |
| Insurance revenue | (87) | 12,970 | 12,165 |
| Insurance service expenses | (89) | -10,101 | -10,548 |
| Net income/expenses from reinsurance contracts held | (89) | -264 | -217 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (39) | 2,272 | 5,094 |
| of which interest income calculated using the effective interest method | 2,037 | 1,936 | |
| Insurance benefit payments | (40) | -2,853 | -5,351 |
| Gains and losses from the derecognition of financial assets measured at amortized cost in the insurance business | (41) | - | 4 |
| Loss allowances | (42) | -653 | -845 |
| Administrative expenses | (43) | -4,804 | -4,552 |
| Other net operating income | (44) | 219 | 200 |
| Profit before taxes | 4,282 | 3,303 | |
| Income taxes | (45) | -1,402 | -913 |
| Net profit | 2,880 | 2,390 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 2,637 | 2,221 | |
| Non-controlling interests | 243 | 169 |