KEY DATA AND RESULTS

DZ BANK Group

You can find additional information on key figures of the DZ BANK Group within our Investors Presentation or our Half Year Financial Report.

Financial performance

in EUR m
H1 2018H1 2017
                              
                         
Net interest income
1,4221,427
Net fee and commission income
958977
Gains and losses on trading activities
206304
Gains and losses on investments
9888
Other gains and losses on valuation of financial instruments
-4834
Net income from insurance business
299451
Loss allowances44-396
Administrative expenses
-2,018-2,000
Other net operating income
7354
Profit before taxes
1,034939
Income taxes-303-451
Net profit
731488
   
 H1 2018H1 2017
Cost-Income-Ratio
67.1%60.0%

Performance by group company

in EUR m
H1 2018
H1 2017
                             
                            
DZ BANK AG
437405
BSH
172203
DVB
-71
-532
DZ HYP164336
DZ PRIVATBANK
812
R+V
274
389
TeamBank
7678
UMH
273362
VR Smart Finanz
113
Other/consolidation-300-327
Total profit or loss before tax
1,034939
   

Financial position

ASSETS  
EUR million
30 Jun. 201831 Dec. 2017
   
Cash and cash equivalents69,24043,910
Loans and advances to banks92,79189,414
Loans and advances to customers177,601174,376
Financial assets held for trading40,90038,709
Investments49,81657,486
Investments held by insurance companies101,11296,416
Remaining assets6,7745,283
   
EQUITY AND LIABILITIES
  
EUR million
30 Jun 201831 Dec 2017
   
Deposits from banks144,346136,112
Deposits from customers137,598126,319
Debt certificates issued including bonds69,88167,327
Financial liabilities held for trading50,75044,280
Insurance liabilities93,82389,324
Remaining liabilities18,01118,717
Equity23,82523,505
   
TOTAL ASSETS538,234505,594

Capital

 30 Jun. 2018 31 Dec. 2017
Total capital ratio16.8%17.4%
Core Tier 1 capital ratio (phased-in)13.7%14.0%
Core Tier 1 capital ratio (fully loaded)13.7%13.9%
Leverage ratio (phased-in)4.4%4.6%
Leverage ratio (fully loaded)4.2%4.4%
   
 2018 
SREP ratio (MDA trigger)8.79% 

Liquidity

 30 Jun. 2018 31 Dec. 2017
LCR143.8%161.7%