Figures
| Income Statement (in € thousand) | 01/01/ - 31/12/2023 | 01/01/ - 31/12/2022 | Change (in %) |
|---|---|---|---|
| Net interest income | 68,511 | 75,379 | -9 |
| Net comission income | -31,736 | -38,750 | -18 |
| Result from fair value measurement | -7,555 | 8,879 | <-100 |
| Impairment loss from financial instruments not recognized in profit or loss | 2,649 | -676 | <-100 |
| Modification result | 303 | 0 | - |
| Impairment loss from non-financial assets | -5,398 | 0 | - |
| Disposal result from financial instruments not measured at fair value through profit or loss | 1,960 | 966 | >100 |
| Result from hedge accounting | 817 | -4,763 | <-100 |
| Foreign exchange results | 12 | 542 | -98 |
| Administrative expenses | -41,363 | -26,611 | 55 |
| Depreciation | -4,374 | -4,674 | -6 |
| Other operating profit/loss | -14 | -3,396 | -100 |
| Income taxes | -364 | 6,818 | <-100 |
| Earnings after taxes | -16,551 | 13,715 | <-100 |
| Key Economic Data (in %) |
31/12/2023 | 31/12/2022 | Change (in %) |
|---|---|---|---|
| Cost-Income-Ratio* (CIR) | 104.0 | 72.8 | 43 |
| RoRaC** | -11.2 | 4.1 | <-100 |
| Balance figures (in € million) | 31/12/2023 | 31/12/2022 | Change (in %) |
|---|---|---|---|
| Total assets | 7,814.7 | 9,154.7 | -15 |
| Reported Equity | 626.4 | 625.7 | 0 |
| Regulatory Law Key Figures | 31/12/2023 | 31/12/2022 | Change (in %) |
|---|---|---|---|
| Tier 1 capital (in € million) | 603.7 |
584.0 |
3 |
| Equity capital (in € million) | 604.2 | 586.0 | 3 |
| Common equity tier 1 ratio (in %) | 40.0 | 31.6 | 27 |
| Total capital ratio (in %) | 40.0 | 31.7 | 26 |
* The cost-income ratio (CIR) was calculated by dividing administrative expenses, including depreciation and amortisation but not including provisions for reorganisation measures, by the sum of net interest income, net commission income, profit/loss from financial instruments measured at fair value, profit/loss from foreign exchange, profit/loss from hedge accounting, profit/loss on disposal of financial instruments not measured at fair value through profit or loss, impairment loss on non-financial assets and other operating profit/loss.
** The RoRaC (return on risk-adjusted capital) is a performance indicator adjusted for risk.
Total differences are rounding differences and may cause minor deviations in the calculation of percentages.