Key Indicators

 01 Jan - 31 Mar 201801 Jan - 31 Mar 2017
Results  
Operating profit (€ mn)6771
Consolidated net income (€ mn)4447
Consolidated net income allocated to ordinary shareholders (€ mn) 1)3938
Cost/income ratio (%) 2)49.543.1
Earnings per ordinary share (€) 1)0.650.63
RoE before taxes (%) 1) 3) 9.79.6
RoE after taxes (%) 1) 3) 6.36.1

  

 

 31 Mar 201831 Dec 2017
Statement of financial position  
Property finance (€ mn) 4)24,64125,088
Equity (€ mn)2,9322,924
Total assets (€ mn)41,30741,908
   
Regulatory indicators 5)  
Risk-weighted assets (€ mn)11,46411,785
Common Equity Tier 1 ratio (CET1 ratio) (%)19.219.6
Tier 1 ratio (T1 ratio) (%)21.822.1
Total capital ratio (TC ratio) (%)29.830.0
   
Common Equity Tier 1 ratio (CET1 ratio)
– Basel IV (estimated) (%) 6)
13.513.4
   
Employees2,7712,800
   
Ratings  
Fitch Ratings  
Deposit-Rating 
   Long-term
A-
(outlook: stable)
A-
(outlook: stable)
Issuer Default Rating 
  Long-term
BBB+
(outlook: stable)
BBB+
(outlook: stable)
  Short-termF2F2
Mortgage
Pfandbrief Rating
AAA
(outlook: stable)
AAA
(outlook: stable)
Public Sector
Pfandbrief Rating
AAA
(outlook: stable)
AAA
(outlook: stable)
Moody's   
Bank Deposit Rating
  Long-term
A3
(outlook: stable)
A3
(outlook: stable)
Issuer-Rating
  Long-term
Baa1Baa1
  Short-termP-2P-2
Mortgage
Pfandbrief Rating
AaaAaa
   
Sustainability 7)  
MSCIAAAA
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 € 0.7 billion in private client business (31 December 2017: € 0.8 billion) and € 0.5 billion in local authority lending business by former Westdeutsche ImmobilienBank AG (former WestImmo) (31 December 2017: € 0.5 billion)
5) The calculation of regulatory indicators takes into account the proposal of the Manangement Board and the Supervisory Board for the appropriation of profits for the financial year 2017. The appropriation of profits is subject to approval by the Annual General Meeting.
6) Underlying RWA estimate, given a 72.5% output floor based on the final Basel Committee framework dated 7 December 2017, subject to the outstanding EU implementation as well as the implementation of additional regulatory requirements (EBA requirements, TRIM, etc.).
7) Please refer to our website for more details.