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
2882
€ m
- 4.4 %
3,014
€ m
Cost/income ratio
67.9
%
+ 9.0 percentage points
58.9
%
Average number of employees during the year
32985
+ 2.2 %
32,271
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
5450,
7155,
6159,
7242,
6549
],
"name": "Operating income*"
},
{
"values": [
-21,
-329,
-678,
120,
-304
],
"name": "Loss allowances"
},
{
"values": [
1370,
2712,
1445,
3096,
1797
],
"name": "Profit before taxes"
},
{
"values": [
918,
1873,
973,
2176,
1073
],
"name": "Net profit"
}
],
"unit": "in \u20ac millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2018",
"2019",
"2020",
"2021",
"2022"
]
},
{
"data": [
{
"values": [
891627,
97544,
103020,
107659,
123444
],
"name": "Loans and advances to banks"
},
{
"values": [
174438,
186224,
190294,
195665,
203646
],
"name": "Loans and advances to customers"
},
{
"values": [
37942,
44781,
42788,
47321,
48909
],
"name": "Financial assets held for trading"
},
{
"values": [
48262,
56927,
60232,
52440,
43393
],
"name": "Investments"
},
{
"values": [
100840,
113549,
121668,
129131,
105955
],
"name": "Investments held by insurance companies"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2018",
"2019",
"2020",
"2021",
"2022"
]
},
{
"data": [
{
"values": [
142486,
141121,
177852,
196562,
186787
],
"name": "Deposits from banks"
},
{
"values": [
132548,
131516,
133925,
138975,
159429
],
"name": "Deposits from customers"
},
{
"values": [
63909,
85123,
70500,
79652,
82349
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
44979,
51762,
50410,
43411,
52478
],
"name": "Financial liabilities held for trading"
},
{
"values": [
23512,
27796,
29116,
28661,
23076
],
"name": "Equity"
},
{
"values": [
518733,
559379,
594535,
627273,
627041
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2018",
"2019",
"2020",
"2021",
"2022"
]
},
{
"data": [
{
"values": [
74.5,
57.3,
65.5,
58.9,
67.9
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2018",
"2019",
"2020",
"2021",
"2022"
]
},
{
"data": [
{
"values": [
16.8,
17.9,
19.5,
18.5,
18.0
],
"name": "Total capital ratio"
},
{
"values": [
14.3,
15.9,
17.0,
16.8,
15.2
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2018",
"2019",
"2020",
"2021",
"2022"
]
},
{
"data": [
{
"values": [
30732,
30825,
31410,
32271,
32985
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2018",
"2019",
"2020",
"2021",
"2022"
]
}
],
"years": [
2018,
2019,
2020,
2021,
2022
]
}
Year-on-year comparison
| € million | (Note) | 2022 | 2021 |
| Net interest income | (34) | 3,322 | 2,785 |
| Interest income | 5,919 | 4,174 | |
| Interest income calculated using the effective interest method | 5,819 | 4,362 | |
| Interest income not calculated using the effective interest method | 101 | -189 | |
| Current income and expense | 55 | 62 | |
| Interest expense | -2,652 | -1,451 | |
| Net fee and commission income | (35) | 2,749 | 2,935 |
| Fee and commission income | 5,262 | 5,521 | |
| Fee and commission expenses | -2,513 | -2,586 | |
| Gains and losses on trading activities | (36) | 823 | 152 |
| Gains and losses on investments | (37) | -119 | 245 |
| Other gains and losses on valuation of financial instruments | (38) | -286 | 242 |
| Gains and losses from the derecognition of financial assets measured at amortized cost | (39) | 35 | - |
| Premiums earned | (40) | 18,397 | 18,994 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (41) | -3,389 | 5,251 |
| of which interest income calculated using the effective interest method | 1,478 | 1,515 | |
| Insurance benefit payments | (42) | -12,127 | -20,356 |
| Insurance business operating expenses | (43) | -3,068 | -3,047 |
| Gains and losses from the derecognition of financial assets measured at amortized cost in the insurance business | (44) | 8 | - |
| Loss allowances | (45) | -304 | 120 |
| Administrative expenses | (46) | -4,447 | -4,265 |
| Other net operating income | (47) | 204 | 41 |
| Profit before taxes | 1,797 | 3,096 | |
| Income taxes | (48) | -724 | -920 |
| Net profit | 1,073 | 2,176 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 1,031 | 1,996 | |
| Non-controlling interests | 42 | 180 | |