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
H1 2019H2 2018
                              
                         
Net interest income
1,2791,420
Net fee and commission income
958958
Gains and losses on trading activities
141206
Gains and losses on investments
13046
Other gains and losses on valuation of financial instruments
179-48
Gains and losses from the derecognition of financial assets measured at amortized cost1554
Net income from insurance business
761299
Loss allowances-10544
Administrative expenses
-2,046-2,018
Other net operating income
15273
Profit before taxes
1,4641,034
Income taxes-430-303
Net profit
1,034731
   
 H1 2019H1 2018
Cost-Income-Ratio
56.6%67.1%

Performance by group company

in EUR m
H1 2019
H2 2018
                             
                            
DZ BANK AG
209437
BSH
149172
DVB
-67
-71
DZ HYP268164
DZ PRIVATBANK
138
R+V
711
274
TeamBank
6376
UMH
384273
VR Smart Finanz
11
Other/consolidation-267-300
Total profit or loss before tax
1,4641,034
   

Balance Sheet

ASSETS  
in EUR m
Jun 30, 2019
Dec 31, 2018
                             
                            
Cash and cash equivalents
66,270
51,845
Loans and advances to banks
92,953
91,627
Loans and advances to customers
181,814
174,549
Financial assets held for trading
48,134
37,942
Investments
50,303
48,262
Investments held by insurance companies
109,335
100,840
Other assets
11,974
13,668
   
LIABILITIES
  
in EUR mJun 30, 2019Dec 31, 2018
   
Deposits from banks
146,386
142,486
Deposits from customers137,130132,548
Debt certificates issued including bonds72,32363,909
Financial liabilities held for trading61,28144,979
Insurance liabilities101,41793,252
Other liabilities16,77518,047
Equity25,47123,512
   
TOTAL ASSETS560,783518,733

Capital

DZ BANK Group
Jun 30, 2019 Dec 31, 2018
Total capital ratio17.1%16.8%
Core Tier 1 capital ratio14.3%13.7%
Leverage ratio4.4%4.3%
   
 2019 
SREP ratio (MDA trigger)9.78% 

Liquidity

DZ BANK Group
Jun 30, 2019 Dec 31, 2018
LCR135.2%141.4%