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
3010
€ m
+ 14.8 %
2,623
€ m
Cost/income ratio
58.9
%
- 6.6 percentage points
65.5
%
Average number of employees during the year
32271
+ 2.7 %
31,410
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
6555,
5450,
7155,
6159,
7242
],
"name": "Operating income*"
},
{
"values": [
-786,
-21,
-329,
-678,
120
],
"name": "Loss allowances"
},
{
"values": [
1810,
1370,
2712,
1455,
3096
],
"name": "Profit before taxes"
},
{
"values": [
1098,
918,
1873,
973,
2176
],
"name": "Net profit"
}
],
"unit": "in \u20ac millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"2017",
"2018",
"2019",
"2020",
"2021"
]
},
{
"data": [
{
"values": [
89414,
91627,
97544,
103020,
107659
],
"name": "Loans and advances to banks"
},
{
"values": [
174376,
174438,
186224,
190294,
195665
],
"name": "Loans and advances to customers"
},
{
"values": [
38709,
37942,
44781,
42846,
47321
],
"name": "Financial assets held for trading"
},
{
"values": [
57486,
48262,
56927,
60232,
52440
],
"name": "Investments"
},
{
"values": [
96416,
100840,
113549,
121668,
129131
],
"name": "Investments held by insurance companies"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"2017",
"2018",
"2019",
"2020",
"2021"
]
},
{
"data": [
{
"values": [
136122,
142486,
141121,
177852,
196562
],
"name": "Deposits from banks"
},
{
"values": [
126319,
132548,
131516,
133925,
138975
],
"name": "Deposits from customers"
},
{
"values": [
67327,
63909,
85123,
70500,
79652
],
"name": "Debt certificates issued including bonds"
},
{
"values": [
44280,
44979,
51762,
50404,
43411
],
"name": "Financial liabilities held for trading"
},
{
"values": [
23505,
23512,
27796,
29159,
28661
],
"name": "Equity"
},
{
"values": [
505594,
518733,
559379,
594573,
627273
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in \u20ac millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"2017",
"2018",
"2019",
"2020",
"2021"
]
},
{
"data": [
{
"values": [
60.4,
74.5,
57.3,
65.4,
58.9
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"2017",
"2018",
"2019",
"2020",
"2021"
]
},
{
"data": [
{
"values": [
17.2,
16.8,
17.9,
19.4,
18.5
],
"name": "Total capital ratio"
},
{
"values": [
14.3,
14.3,
15.9,
16.6,
16.8
],
"name": "Tier 1 capital ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"2017",
"2018",
"2019",
"2020",
"2021"
]
},
{
"data": [
{
"values": [
30279,
30732,
30825,
31410,
32271
],
"name": "Average number of employees during the year"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"2017",
"2018",
"2019",
"2020",
"2021"
]
}
],
"years": [
2017,
2018,
2019,
2020,
2021
]
}
Year-on-year comparison
| € million | (Note) | 2021 | 2020 |
| Net interest income | (34) | 2,785 | 2,686 |
| Interest income | 4,174 | 4,978 | |
| Interest income calculated using the effective interest method | 4,362 | 4,795 | |
| Interest income not calculated using the effective interest method | -189 | 183 | |
| Current income and expense | 62 | 82 | |
| Interest expense | -1,451 | -2,373 | |
| Net fee and commission income | (35) | 2,935 | 2,121 |
| Fee and commission income | 5,521 | 4,267 | |
| Fee and commission expenses | -2,586 | -2,146 | |
| Gains and losses on trading activities | (36) | 152 | 693 |
| Gains and losses on investments | (37) | 245 | 166 |
| Other gains and losses on valuation of financial instruments | (38) | 242 | -62 |
| Gains and losses from the derecognition of financial assets measured at amortized cost | (39) | - | -2 |
| Premiums earned | (40) | 18,994 | 18,741 |
| Gains and losses on investments held by insurance companies and other insurance company gains and losses | (41) | 5,251 | 2,047 |
| of which interest income calculated using the effective interest method | 1,515 | 1,474 | |
| Insurance benefit payments | (42) | -20,356 | -17,499 |
| Insurance business operating expenses | (43) | -3,047 | -2,922 |
| Gains and losses from the derecognition of financial assets measured at amortized cost in the insurance business | (44) | - | -20 |
| Loss allowances | (45) | 120 | -678 |
| Administrative expenses | (46) | -4,265 | -4,036 |
| Other net operating income | (47) | 41 | 210 |
| Profit before taxes | 3,096 | 1,455 | |
| Income taxes | (48) | -920 | -472 |
| Net profit | 2,176 | 973 | |
| Attributable to: | |||
| Shareholders of DZ BANK | 1,996 | 865 | |
| Non-controlling interests | 180 | 108 | |