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
3109
€ m
+ 8.1 %
Fee, commission, and bonus payments to cooperative banks
2,877
€ m
Cost/income ratio
52.3
%
- 4.1 percentage points
Cost/income ratio
56.4
%
Average number of employees during the year
33837
+ 0.6 %
Average number of employees during the year
33,622
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
6159,
7242,
7004,
8149,
8700
],
"name": "Operating income*"
},
{
"values": [
-678,
120,
-304,
-362,
-845
],
"name": "Loss allowances"
},
{
"values": [
1445,
3096,
2252,
3189,
3303
],
"name": "Profit before taxes"
},
{
"values": [
973,
2176,
1341,
2234,
2390
],
"name": "Net profit"
}
],
"unit": "in \u20ac millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2020",
"2021",
"2022",
"2023",
"2024"
]
},
{
"data": [
{
"values": [
103020,
107659,
123444,
128867,
143532
],
"name": "Loans and advances to banks"
},
{
"values": [
190294,
195665,
203646,
204776,
208688
],
"name": "Loans and advances to customers"
},
{
"values": [
42788,
47321,
48909,
34961,
30441
],
"name": "Financial assets held for trading"
},
{
"values": [
60232,
52440,
43393,
47970,
62049
],
"name": "Investments"
},
{
"values": [
121668,
129131,
105955,
115568,
122625
],
"name": "Investments held by insurance companies"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2020",
"2021",
"2022",
"2023",
"2024"
]
},
{
"data": [
{
"values": [
177852,
196562,
186787,
176594,
187526
],
"name": "Deposits from banks"
},
{
"values": [
133925,
138975,
159429,
157627,
154103
],
"name": "Deposits from customers"
},
{
"values": [
70500,
79652,
82349,
103768,
109810
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
50410,
43411,
52478,
47675,
42234
],
"name": "Financial liabilities held for trading"
},
{
"values": [
29116,
28661,
27625,
31069,
32578
],
"name": "Equity"
},
{
"values": [
594535,
627273,
628365,
644589,
659638
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2020",
"2021",
"2022",
"2023",
"2024"
]
},
{
"data": [
{
"values": [
65.5,
58.9,
63.5,
56.4,
52.3
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2020",
"2021",
"2022",
"2023",
"2024"
]
},
{
"data": [
{
"values": [
19.5,
18.5,
18.0,
20.1,
20.1
],
"name": "Total capital ratio"
},
{
"values": [
17.0,
16.8,
15.2,
17.7,
17.8
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2020",
"2021",
"2022",
"2023",
"2024"
]
},
{
"data": [
{
"values": [
31410,
32271,
32985,
33622,
33837
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2020",
"2021",
"2022",
"2023",
"2024"
]
}
],
"years": [
2020,
2021,
2022,
2023,
2024
]
}
Year-on-year comparison
| € million | (Note) | 2024 | 2023 |
| Net interest income | (33) | 4,670 | 4,333 |
| Interest income | 15,716 | 13,733 | |
| Interest income calculated using the effective interest method | 15,533 | 13,485 | |
| Interest income not calculated using the effective interest method | 183 | 248 | |
| Current income and expense | 127 | 101 | |
| Interest expense | -11,173 | -9,501 | |
| Net fee and commission income | (34) | 3,191 | 2,807 |
| Fee and commission income | 5,767 | 5,174 | |
| Fee and commission expenses | -2,575 | -2,368 | |
| Gains and losses on trading activities | (35) | -842 | -175 |
| Gains and losses on investments | (36) | 65 | -72 |
| Other gains and losses on valuation of financial instruments | (37) | 229 | 298 |
| Gains and losses from the derecognition of financial assets measured at amortized cost | (38) | 40 | 11 |
| Insurance service result | 1,400 | 1,183 | |
| Insurance revenue | (88) | 12,165 | 11,578 |
| Insurance service expenses | (90) | -10,548 | -10,317 |
| Net income/expenses from reinsurance contracts held | (90) | -217 | -78 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (39) | 5,094 | 2,998 |
| of which interest income calculated using the effective interest method | 1,936 | 1,664 | |
| Insurance benefit payments | (40) | -5,351 | -3,297 |
| Gains and losses from the derecognition of financial assets measured at amortized cost in the insurance business | (41) | 4 | 6 |
| Loss allowances | (42) | -845 | -362 |
| Administrative expenses | (43) | -4,552 | -4,597 |
| Other net operating income | (44) | 200 | 56 |
| Profit before taxes | 3,303 | 3,189 | |
| Income taxes | (45) | -913 | -955 |
| Net profit | 2,390 | 2,234 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 2,221 | 2,130 | |
| Non-controlling interests | 169 | 103 |