Key Indicators

 1 Jan - 30 Sep 20181 Jan - 30 Sep 2017
Results  
Operating profit (€ mn)199262
Consolidated net income (€ mn)131165
Consolidated net income allocated to ordinary shareholders (€ mn)1) 117147
Cost / income ratio (%)2)41.841.1
Earnings per ordinary share (€)1) 1.972.46
RoE before taxes (%)1) 3) 9.712.6
RoE after taxes (%)1) 3) 6.37.8

   

 30 Sep 201831 Dec 2017
Statement of Financial Position  
Property finance (€ mn)4)25,12625,088
Equity (€ mn)2,8532,924
Total assets (€ mn)40,26941,908
   
Regulatory indicators  
Risk-weighted assets (€ mn)10,06311,785
Common Equity Tier 1 ratio (CET1 ratio) (%)                      20.819.6
Tier 1 ratio (T1 ratio) (%)23.822.1
Total capital ratio (TC ratio) (%)32.630.0
   
Common Equity Tier 1 ratio (CET1 ratio) – Basel IV (estimated) (%) –5 )13.413.4
   
Employees2,7752,800
   
Ratings  
Moody’s  
Issuer default ratingA3Baa1
Senior Preferred6)A3-
Senior Non Preferred7)Baa1Baa1
Bank deposit ratingA3A3
Mortgage Pfandbrief RatingAaaAaa
   
Fitch Ratings  
Issuer default ratingBBB+BBB+
Senior PreferredA--
Senior Non PreferredBBB+BBB+
Deposit ratingsA-A-
   
Sustainability8)  
MSCIAAAA
ISS-oekomprime (C)prime (C)
Sustainalytics7070

 

1) The allocation of earnings is based on the assumption that net interest payable on the AT1 bond is recognised on an accrual basis.
2) Structured Property Financing segment only
3) On an annualised basis
4) Excluding € 0.6 billion in private client business (31 December 2017: € 0.8 billion) and € 0.5 billion in local authority lending business by the former Westdeutsche ImmobilienBank AG (WestImmo) (31 December 2017: € 0.5 billion)
5) Underlying RWA estimate, given a 72.5 % output floor based on the final Basel Committee framework dated 7 December 2017. The calculation of the material impact upon Aareal Bank is subject to the outstanding EU implementation as well as the implementation of additional regulatory requirements (CRR II, EBA requirements, TRIM, etc.).
6) Terminology Moody’s: Senior Unsecured
7) Terminology Moody’s: Junior Senior Unsecured
8) Please refer to our website for more details.