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
2620
€ m
+ 3.0 %
Fee, commission, and bonus payments to cooperative banks
2,544
€ m
Cost/income ratio
65.4
%
+ 7.7 percentage points
Cost/income ratio
57.7
%
Average number of employees during the year
31410
+ 1.9 %
Average number of employees during the year
30,825
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
6110,
6555,
5450,
7155,
6169
],
"name": "Operating income*"
},
{
"values": [
-569,
-786,
-21,
-329,
-678
],
"name": "Loss allowances"
},
{
"values": [
2197,
1810,
1370,
2712,
1455
],
"name": "Profit before taxes"
},
{
"values": [
1606,
1098,
918,
1873,
980
],
"name": "Net profit"
}
],
"unit": "in \u20ac millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2016",
"2017",
"2018",
"2019",
"2020"
]
},
{
"data": [
{
"values": [
107253,
89414,
91627,
97544,
103020
],
"name": "Loans and advances to banks"
},
{
"values": [
176532,
174376,
174438,
186224,
190294
],
"name": "Loans and advances to customers"
},
{
"values": [
49279,
38709,
37942,
44781,
42846
],
"name": "Financial assets held for trading"
},
{
"values": [
70180,
57486,
48262,
56927,
60232
],
"name": "Investments"
},
{
"values": [
90373,
96416,
100840,
113549,
121668
],
"name": "Investments held by insurance companies"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2016",
"2017",
"2018",
"2019",
"2020"
]
},
{
"data": [
{
"values": [
129280,
136122,
142486,
141121,
177852
],
"name": "Deposits from banks"
},
{
"values": [
124425,
126319,
132548,
131516,
133925
],
"name": "Deposits from customers"
},
{
"values": [
78238,
67327,
63909,
85123,
70500
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
50204,
44280,
44979,
51762,
50404
],
"name": "Financial liabilities held for trading"
},
{
"values": [
22836,
23505,
23512,
27796,
29159
],
"name": "Equity"
},
{
"values": [
509447,
505594,
518733,
559379,
594573
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2016",
"2017",
"2018",
"2019",
"2020"
]
},
{
"data": [
{
"values": [
58.9,
60.4,
74.5,
57.3,
65.4
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2016",
"2017",
"2018",
"2019",
"2020"
]
},
{
"data": [
{
"values": [
18.6,
17.2,
16.8,
17.9,
19.4
],
"name": "Total capital ratio"
},
{
"values": [
16.0,
14.3,
14.3,
15.9,
16.6
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2016",
"2017",
"2018",
"2019",
"2020"
]
},
{
"data": [
{
"values": [
29341,
30279,
30732,
30825,
31410
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2016",
"2017",
"2018",
"2019",
"2020"
]
}
],
"years": [
2016,
2017,
2018,
2019,
2020
]
}
Year-on-year comparison
| € million | (Note) | 2020 | 2019 |
| Net interest income | (34) | 2.797 | 2.738 |
| Interest income | 5.111 | 6.272 | |
| Interest income calculated using the effective interest method | 5.087 | 5.7251 | |
| Interest income not calculated using the effective interest method | 24 | 547 | |
| Current income and expense | 82 | 83 | |
| Interest expense | -2.396 | -3.6171 | |
| Net fee and commission income | (35) | 2.121 | 1.975 |
| Fee and commission income | 4.267 | 4.044 | |
| Fee and commission expenses | -2.146 | -2.069 | |
| Gains and losses on trading activities | (36) | 552 | 472 |
| Gains and losses on investments | (37) | 166 | 182 |
| Other gains and losses on valuation of financial instruments | (38) | -22 | 255 |
| Gains and losses from the derecognition of financial assets measured at amortized cost | (39) | -2 | 15 |
| Premiums earned | (40) | 18.741 | 17.249 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (41) | 2.047 | 6.157 |
| of which interest income calculated using the effective interest method | 1.474 | 1.561 | |
| Insurance benefit payments | (42) | -17.499 | -19.3941 |
| Insurance business operating expenses | (43) | -2.922 | -2.823 |
| Gains and losses from the derecognition of financial assets measured at amortized cost in the insurance business | (44) | -20 | -15 |
| Loss allowances | (45) | -678 | -329 |
| Administrative expenses | (46) | -4.036 | -4.074 |
| Other net operating income | (47) | 210 | 250 |
| Profit before taxes | 1.455 | 2.658 | |
| Income taxes | (48) | -475 | -7781 |
| Net profit | 980 | 1.880 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 872 | 1.7001 | |
| Non-controlling interests | 108 | 180 | |
| 1 Amount restated (see note 2). |