KEY DATA AND RESULTS

DZ BANK Group

You can find additional information on key figures of the DZ BANK Group within our Investors Presentation.

Financial performance

in EUR m
20182017
                              
                         
Net interest income
2,7992,941
Net fee and commission income
1,9551,864
Gains and losses on trading activities
285506
Gains and losses on investments
15010
Other gains and losses on valuation of financial instruments
-120289
Net income from insurance business
490907
Loss allowances-21-786
Administrative expenses
-4,059-3,959
Other net operating income
-10938
Profit before taxes
1,3701,810
Income taxes-452-712
Net profit
9181,098
   
 20182017
Cost-Income-Ratio
74.5%60.4%

Performance by group company

in EUR m
2018
2017
                             
                            
DZ BANK AG
522752
BSH
295334
DVB
-130
-774
DZ HYP232637
DZ PRIVATBANK
-15120
R+V
413
795
TeamBank
145148
UMH
502610
VR Smart Finanz
1-17
Other/consolidation-459-695
Total profit or loss before tax
1,3701,810
   

Balance Sheet

ASSETS  
in EUR m
Dec 31, 2018
Dec 31, 2017
                             
                            
Cash and cash equivalents
51,845
43,910
Loans and advances to banks
91,627
89,414
Loans and advances to customers
174,438
174,376
Financial assets held for trading
37,942
38,709
Investments
48,262
57,486
Investments held by insurance companies
100,840
96,416
Other assets
13,779
5,283
   
LIABILITIES
  
in EUR mDec 31, 2018Dec 31, 2017
   
Deposits from banks
142,486
136,122
Deposits from customers132,548126,319
Debt certificates issued including bonds63,90967,327
Financial liabilities held for trading44,97944,280
Insurance liabilities93,25289,324
Other liabilities18,04718,717
Equity23,51223,505
   
TOTAL ASSETS518,733505,594

Capital

DZ BANK Group
Dec 31, 2018 Dec 31, 2017
Total capital ratio16.8%17.2%
Core Tier 1 capital ratio13.7%13.7%
Leverage ratio4.3%4.4%
   
 2019 
SREP ratio (MDA trigger)9.75% 

Liquidity

DZ BANK Group
Dec 31, 2018 Dec 31, 2017
LCR141.4%161.7%