Illustration: Cake with numbers

Figures

Income Statement (in € thousand) 01/01/ - 31/12/2021 01/01/ - 31/12/2020 Change
(in %)
Net interest income 98.151 112,587 -13
Net comission income -50.486 -59,159 -15
Result from fair value measurement -11.260 -18,450 -39
Impairment loss from financial instruments not recognized in profit or loss 11.404 -4,933 <-100
Modification result 363 404 -10
Impairment loss from non-financial assets -131 0 -
Disposal result from financial instruments not measured at fair value through profit or loss -13 -3.079 -100
Result from hedge accounting -4.327 1,925 <-100
Foreign exchange results 31 135 -77
Administrative expenses -24.380 -29,312 -17
Depreciation -6.730 -5,756 17
Other operating profit/loss -16.705 -3,156 >100
Income taxes 0 0 -
Earnings after taxes -4.082 -8.794 -54

 

Key Economic Data
(in %)
31/12/2021 31/12/2020 Change
(in %)
Cost-Income-Ratio* (CIR) 203.8 103.5 97
RoRaC** -2.1 -3.5 -41

 

Balance figures (in € million) 31/12/2021 31/12/2020 Change
(in %)
Total assets 10.579,5 12,734.0 -17
Reported Equity 661.9 678.3 -2

 

Regulatory Law Key Figures 31/12/2021 31/12/2020 Change
(in %)
Tier 1 capital (in € million) 630.1 645.9 0
Equity capital (in € million) 630.6 654.7 -4
Common equity tier 1 ratio (in %) 29.7 24.4 22
Total capital ratio (in %) 29.7 24.8 20

 

* 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.