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
2877
€ m
- 0.2 %
Fee, commission, and bonus payments to cooperative banks
2,882
€ m
Cost/income ratio
56.4
%
- 7.1 percentage points
Cost/income ratio
63.5
%
Average number of employees during the year
33622
+ 1.9 %
Average number of employees during the year
32,985
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
7061,
6159,
7242,
7004,
8149
],
"name": "Operating income*"
},
{
"values": [
-329,
-678,
120,
-304,
-362
],
"name": "Loss allowances"
},
{
"values": [
2658,
1445,
3096,
2252,
3189
],
"name": "Profit before taxes"
},
{
"values": [
1880,
973,
2176,
1341,
2234
],
"name": "Net profit"
}
],
"unit": "in \u20ac millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2019",
"2020",
"2021",
"2022",
"2023"
]
},
{
"data": [
{
"values": [
97544,
103020,
107659,
123444,
128867
],
"name": "Loans and advances to banks"
},
{
"values": [
186224,
190294,
195665,
203646,
204776
],
"name": "Loans and advances to customers"
},
{
"values": [
44781,
42788,
47321,
48909,
34961
],
"name": "Financial assets held for trading"
},
{
"values": [
56927,
60232,
52440,
43393,
47970
],
"name": "Investments"
},
{
"values": [
113549,
121668,
129131,
105955,
115568
],
"name": "Investments held by insurance companies"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2019",
"2020",
"2021",
"2022",
"2023"
]
},
{
"data": [
{
"values": [
141121,
177852,
196562,
186787,
174580
],
"name": "Deposits from banks"
},
{
"values": [
131516,
133925,
138975,
159429,
159641
],
"name": "Deposits from customers"
},
{
"values": [
85123,
70500,
79652,
82349,
103768
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
51762,
50410,
43411,
52478,
47675
],
"name": "Financial liabilities held for trading"
},
{
"values": [
27796,
29116,
28661,
27625,
31069
],
"name": "Equity"
},
{
"values": [
559379,
594535,
627273,
628365,
644589
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2019",
"2020",
"2021",
"2022",
"2023"
]
},
{
"data": [
{
"values": [
57.3,
65.5,
58.9,
63.5,
56.4
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2019",
"2020",
"2021",
"2022",
"2023"
]
},
{
"data": [
{
"values": [
17.9,
19.5,
18.5,
18.0,
20.1
],
"name": "Total capital ratio"
},
{
"values": [
15.9,
17.0,
16.8,
15.2,
17.7
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2019",
"2020",
"2021",
"2022",
"2023"
]
},
{
"data": [
{
"values": [
30825,
31410,
32271,
32985,
33622
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2019",
"2020",
"2021",
"2022",
"2023"
]
}
],
"years": [
2019,
2020,
2021,
2022,
2023
]
}
Year-on-year comparison
| € million | (Note) | 2023 | 2022 |
| Net interest income | (34) | 4,333 | 3,322 |
| Interest income | 13,733 | 5,919 | |
| Interest income calculated using the effective interest method | 13,485 | 5,819 | |
| Interest income not calculated using the effective interest method | 248 | 101 | |
| Current income and expense | 101 | 55 | |
| Interest expense | -9,501 | -2,652 | |
| Net fee and commission income | (35) | 2,807 | 2,749 |
| Fee and commission income | 5,174 | 5,262 | |
| Fee and commission expenses | -2,368 | -2,513 | |
| Gains and losses on trading activities | (36) | -175 | 823 |
| Gains and losses on investments | (37) | -72 | -119 |
| Other gains and losses on valuation of financial instruments | (38) | 298 | -286 |
| Gains and losses from the derecognition of financial assets measured at amortized cost | (39) | 11 | 35 |
| Insurance service result | 1,994 | 2,077 | |
| Insurance revenue | (89) | 12,317 | 12,424 |
| Insurance service expenses | (91) | -10,245 | -10,225 |
| Net income/expenses from reinsurance contracts held | (91) | -78 | -123 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (40) | 2,998 | -3,759 |
| of which interest income calculated using the effective interest method | 1,664 | 1,478 | |
| Insurance benefit payments | (41) | -4,107 | 1,951 |
| Gains and losses from the derecognition of financial assets measured at amortized cost in the insurance business | (42) | 6 | 8 |
| Loss allowances | (43) | -362 | -304 |
| Administrative expenses | (44) | -4,597 | -4,447 |
| Other net operating income | (45) | 56 | 204 |
| Profit before taxes | 3,189 | 2,252 | |
| Income taxes | (46) | -955 | -912 |
| Net profit | 2,234 | 1,341 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 2,130 | 1,269 | |
| Non-controlling interests | 103 | 72 |