Illustration: Cake with numbers

Figures

Income Statement (in € thousand) 01/01/ - 31/12/2020 01/01/ - 31/12/20191 Change
(in %)
Net interest income 112,587 120,923 -7
Net comission income -59,159 -53,127 11
Result from fair value measurement -18,450 -34,973 -47
Impairment loss from financial instruments not recognized in profit or loss -4,933 2,627 <-100
Modification result -3,079 736 <-100
Disposal result from financial instruments not measured at fair value through profit or loss -404 -163 <-100
Result from hedge accounting 1,925 6,654 -71
Foreign exchange results 135 -275 <-100
Profit from affiliated undertakings 0 64 -100
Administrative expenses -29,312 -30,535 -4
Depreciation -5,756 -4,784 20
Other operating profit/loss -3,156 -7,542 -58
Income taxes 0 -231 -100
Earnings after taxes -8,794 -163 >100

 

Key Economic Data
(in %)
31/12/2020 31/12/20191 Change
(in %)
Cost-Income-Ratio* (CIR) 103.5 109.0 -5
RoRaC** -3.5 -0.1 >100

 

Balance figures (in € million) 31/12/2020 31/12/20191 Change
(in %)
Total assets 12,734.0 15,549.3 -18
Reported Equity 678.3 688.5 -1

 

Regulatory Law Key Figures 31/12/2020 31/12/20191 Change
(in %)
Tier 1 capital (in € million) 645.9 646.3 0
Equity capital (in € million) 654.7 648.5 1
Common equity tier 1 ratio (in %) 24.4 18.1 35
Total capital ratio (in %) 24.8 18.2 36

 

* The cost-income ratio (CIR) is calculated by dividing administrative expenses by the result from the sum of net interest, net commission income, result from financial instruments measured at fair value, foreign exchange result, result from hedge accounting, addition and reversal of provisions as well as other operating result.

** The RoRaC is the ratio of earnings before taxes to the maximum value of the limit for committed capital or committed capital.

The previous year’s figures have been adjusted for individual items.

Total differences are rounding differences and may cause minor deviations in the calculation of percentages.