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Key figures

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 %
Year-on-year comparison

3,014 € m
Current year

Cost/income ratio

67.9 %
+ 9.0 percentage points
Year-on-year comparison

58.9 %
Current year

Average number of employees during the year

32985
+ 2.2 %
Year-on-year comparison

32,271
Current year

Comparison of key figures

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