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
2538
€ m
+ 10.4 %
Fee, commission, and bonus payments to cooperative banks
2,299
€ m
Cost/income ratio
57.3
%
- 17.2 percentage points
Cost/income ratio
74.5
%
Average number of employees during the year
30825
+ 0.3 %
Average number of employees during the year
30,732
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
5858,
6110,
6555,
5450,
7155
],
"name": "Income*"
},
{
"values": [
-153,
-569,
-786,
-21,
-329
],
"name": "Loss allowances"
},
{
"values": [
2453,
2197,
1810,
1370,
2712
],
"name": "Profit before taxes"
},
{
"values": [
1796,
1606,
1098,
918,
1873
],
"name": "Net profit"
}
],
"unit": "in € millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2015",
"2016",
"2017",
"2018",
"2019"
]
},
{
"data": [
{
"values": [
80735,
107253,
89414,
91627,
97544
],
"name": "Loans and advances to banks"
},
{
"values": [
126850,
176532,
174376,
174438,
186224
],
"name": "Loans and advances to customers"
},
{
"values": [
49520,
49279,
38709,
37942,
44781
],
"name": "Financial assets held for training"
},
{
"values": [
54305,
70180,
57486,
48262,
56927
],
"name": "Investments"
},
{
"values": [
84744,
90373,
96416,
100840,
113549
],
"name": "Investments held by insurance companies"
}
],
"unit": "in € millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2015",
"2016",
"2017",
"2018",
"2019"
]
},
{
"data": [
{
"values": [
97227,
129280,
136122,
142486,
141121
],
"name": "Deposits from banks"
},
{
"values": [
96186,
124425,
126319,
132548,
131516
],
"name": "Deposits from customers"
},
{
"values": [
54951,
78238,
67327,
63909,
85123
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
45377,
50204,
44280,
44979,
51762
],
"name": "Financial liabilities held for trading"
},
{
"values": [
19729,
22836,
23505,
23512,
27796
],
"name": "Equity"
},
{
"values": [
408341,
509447,
505594,
518733,
559379
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in € millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2015",
"2016",
"2017",
"2018",
"2019"
]
},
{
"data": [
{
"values": [
55.5,
58.9,
60.4,
74.5,
57.3
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2015",
"2016",
"2017",
"2018",
"2019"
]
},
{
"data": [
{
"values": [
18.8,
18.6,
17.2,
16.8,
17.9
],
"name": "Total capital ratio"
},
{
"values": [
15.6,
16.0,
14.3,
14.3,
15.9
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2015",
"2016",
"2017",
"2018",
"2019"
]
},
{
"data": [
{
"values": [
30029,
29341,
30279,
30732,
30825
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2015",
"2016",
"2017",
"2018",
"2019"
]
}
],
"years": [
2015,
2016,
2017,
2018,
2019
]
}
Year-on-year comparison
| € million | (Note) | 2019 | 2018 |
| Net interest income | (34) | 2,738 | 2,858 |
| Interest income | 6,281 | 5,903 | |
| Interest income calculated using the effective interest method | 5,734 | 5,4421 | |
| Interest income not calculated using the effective interest method | 547 | 4611 | |
| Current income and expense | 83 | 73 | |
| Interest expense | -3,626 | -3,1181 | |
| Net fee and commission income | (35) | 1,975 | 1,955 |
| Fee and commission income | 4,044 | 3,760 | |
| Fee and commission expenses | -2,069 | -1,805 | |
| Gains and losses on trading activities | (36) | 472 | 285 |
| Gains and losses on investments | (37) | 182 | 241 |
| Other gains and losses on valuation of financial instruments | (38) | 255 | -1861 |
| Premiums earned | (40) | 17,249 | 15,997 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (41) | 6,157 | 1,2741 |
| Insurance benefit payments | (42) | -19,340 | -14,208 |
| Insurance business operating expenses | (43) | -2,823 | -2,572 |
| Loss allowances | (45) | -329 | -21 |
| Administrative expenses | (46) | -4,074 | -4,059 |
| Other net operating income | (47) | 250 | -109 |
| Profit before taxes | 2,712 | 1,370 | |
| Income taxes | (48) | -839 | -452 |
| Net profit | 1,873 | 918 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 1,693 | 824 | |
| Non-controlling interests | 180 | 94 | |
| 1 Amount restated (see note 2). |