Deutsche Bank

Deutsche Bank's net profit fell 378% yoy to EUR -1,165 mil in 4Q2019

By Helgi Analytics - February 21, 2020

Deutsche Bank made a net profit of EUR -1,165 mil under revenues of EUR 5,548 mil in the fourth quarter of 2019, down 378% and ...

Deutsche Bank's capital adequacy ratio fell 0.571% yoy to 17.4% in 4Q2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's capital adequacy ratio reached 17.4% at the end of fourth quarter of 2019, down from 17.4% when compared to the p...

Deutsche Bank's market capitalisation (end of period) fell 2.62% yoy to USD 16,047 mil in 4Q2019

By Helgi Analytics - February 21, 2020

Deutsche Bank stock traded at EUR 6.92 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 16,047...

Profit Statement 2017 2018 2019
Net Interest Income EUR mil 12,378 13,192 13,749
Net Fee Income EUR mil 11,002 10,039 ...
Other Income EUR mil 5,992 4,874 ...
Total Revenues EUR mil 29,372 28,105 23,862
Staff Cost EUR mil 12,253 11,814 11,142
Operating Profit EUR mil 4,908 5,268 431
Provisions EUR mil 525 525 723
Net Profit EUR mil 786 792 -3,674
Balance Sheet 2017 2018 2019
Interbank Loans EUR mil 114,065 89,252 ...
Customer Loans EUR mil 401,700 429,330 430,000
Debt Securities EUR mil 250,408 206,681 ...
Total Assets EUR mil 1,474,730 1,348,140 1,298,000
Shareholders' Equity EUR mil 68,099 68,737 ...
Interbank Borrowing EUR mil 114,666 128,562 ...
Customer Deposits EUR mil 580,812 564,405 572,000
Issued Debt Securities EUR mil 165,206 155,251 ...
Ratios 2017 2018 2019
ROE % 1.18 1.16 ...
ROA % 0.051 0.056 -0.278
Costs (As % Of Assets) % 1.60 1.62 1.77
Costs (As % Of Income) % 83.3 81.3 98.2
Capital Adequacy Ratio % 18.6 17.5 17.4
Net Interest Margin % 0.808 0.935 1.04
Loans (As % Of Deposits) % 69.2 76.1 75.2
NPLs (As % Of Loans) % 1.54 1.72 1.74
Provisions (As % Of NPLs) % 62.9 57.0 53.1
Valuation 2017 2018 2019
Market Capitalisation (End Of Period) USD mil 39,437 16,479 16,047
Share Price (End Of Period) EUR 15.9 6.97 6.92
Price/Earnings (P/E) 64.1 29.3 ...
Price/Book Value (P/BV) 0.459 0.213 ...
Dividend Yield % 0.693 1.58 ...
Earnings Per Share (EPS) EUR 0.248 0.238 -1.90
Book Value Per Share EUR 34.6 32.7 ...
Dividend Per Share EUR 0.110 0.110 ...

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summary Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                                                
Net Interest Income EUR mil                                                   14,833 14,272 15,882 14,707 12,378    
Total Revenues EUR mil                                                   34,745 34,985 37,130 32,850 29,372    
Operating Profit EUR mil                                                   9,945 9,321 10,377 7,698 4,908    
Net Profit EUR mil                                                   3,378 3,334 3,135 1,871 786    
balance sheet                                                                
Interbank Loans EUR mil                                                   126,217 107,148 68,855 116,514 114,065   ...
Customer Loans EUR mil                                                   376,582 405,613 427,750 408,909 401,700    
Debt Securities EUR mil                                     ... ... ...         442,993 377,263 378,871 249,524 250,408   ...
Total Assets EUR mil                                                   1,611,400 1,708,700 1,629,130 1,590,540 1,474,730    
Shareholders' Equity EUR mil                                                   54,966 73,223 67,624 64,818 68,099   ...
Interbank Borrowing EUR mil                                                   162,621 123,739 119,516 103,662 114,666   ...
Customer Deposits EUR mil                                                   527,750 532,931 566,974 550,204 580,812    
Issued Debt Securities EUR mil                                                   113,643 129,671 140,907 178,689 165,206   ...
ratios                                                                
ROE % ...                                                 6.19 5.20 4.45 2.83 1.18   ...
ROA % ...                                                 0.186 0.201 0.188 0.116 0.051    
Costs (As % Of Assets) % ...                                                 1.37 1.55 1.60 1.56 1.60    
Costs (As % Of Income) %                                                   71.4 73.4 72.1 76.6 83.3    
Capital Adequacy Ratio % ... ...                                               18.5 17.2 16.2 17.4 18.6    
Net Interest Margin % ...                                                 0.816 0.860 0.952 0.914 0.808    
Interest Income (As % Of Revenues) %                                                   42.7 40.8 42.8 44.8 42.1    
Fee Income (As % Of Revenues) %                                                   35.4 35.5 34.4 35.8 37.5   ...
Staff Cost (As % Of Total Cost) %                                                   49.7 48.8 49.7 47.2 50.1    
Equity (As % Of Assets) %                                                   3.41 4.29 4.15 4.08 4.62   ...
Loans (As % Of Deposits) %                                                   71.4 76.1 75.4 74.3 69.2    
Loans (As % Assets) %                                                   23.4 23.7 26.3 25.7 27.2    
NPLs (As % Of Loans) % ... ... ... ... ... ...                                       2.65 2.28 1.88 1.80 1.54    
Provisions (As % Of NPLs) % ... ... ... ... ... ...                                       55.1 55.8 61.7 61.0 62.9    
valuation                                                                
Market Capitalisation (End Of Period) USD mil ...                                                 48,738 41,690 33,967 25,090 39,437    
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ... ...                           1,204 1,422 1,555 1,555 1,968    
Share Price (End Of Period) EUR ...                                                 29.5 22.3 20.1 15.4 15.9    
Earnings Per Share (EPS) EUR           ... ... ... ... ... ... ...                           2.81 2.34 1.87 1.03 0.248    
Book Value Per Share EUR ... ... ... ... ... ... ... ... ... ... ... ...                           45.6 51.5 43.5 41.7 34.6   ...
Dividend Per Share EUR ... ... ... ... ... ... ...                                     0.638 0.669 0 0.170 0.110   ...
Price/Earnings (P/E) ...         ... ... ... ... ... ... ...                 ...         10.5 9.51 10.8 15.0 64.1   ...
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ...                           0.647 0.433 0.462 0.369 0.459   ...
Dividend Yield % ... ... ... ... ... ... ...                                     2.16 3.00 0 1.10 0.693   ...
Earnings Per Share Growth % ...         ... ... ... ... ... ... ... ...                         -19.1 -16.4 -20.2 -45.1 -75.8    
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...                         -5.13 12.8 -15.5 -4.16 -17.0   ...
income statement Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                                                
Interest Income EUR mil                                                   25,600 25,001 25,967 25,636 24,092    
Interest Cost EUR mil                                                   10,767 10,729 10,085 10,929 11,714    
Net Interest Income EUR mil                                                   14,833 14,272 15,882 14,707 12,378    
Net Fee Income EUR mil                                                   12,309 12,409 12,765 11,744 11,002   ...
Other Income EUR mil                                                   7,603 8,304 8,483 6,399 5,992   ...
Total Revenues EUR mil                                                   34,745 34,985 37,130 32,850 29,372    
Staff Cost EUR mil                                                   12,329 12,512 13,293 11,874 12,253    
Depreciation EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ... ... ... ... 439 445 441   ...
Other Cost EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ... ... ... ... 13,021 12,833 11,770   ...
Operating Cost EUR mil                                                   24,800 25,664 26,753 25,152 24,464    
Operating Profit EUR mil                                                   9,945 9,321 10,377 7,698 4,908    
Provisions EUR mil                                                   2,065 1,134 956 1,383 525    
Extra and Other Cost EUR mil                                                   2,574 2,718 3,483 2,800 2,963    
Pre-Tax Profit EUR mil                                                   5,306 5,469 5,938 3,515 1,420    
Tax EUR mil                                                   1,913 2,107 2,781 1,598 618    
Minorities EUR mil                                                   15.0 28.0 22.0 46.0 16.0    
Net Profit EUR mil                                                   3,378 3,334 3,135 1,871 786    
Dividends EUR mil                                                   765 1,034 0 262 227   ...
growth rates                                                                
Net Interest Income Growth % ...                                                 -7.15 -3.78 11.3 -7.40 -15.8    
Net Fee Income Growth % ...                                                 4.23 0.812 2.87 -8.00 -6.32   ...
Total Revenue Growth % ...                                                 -3.32 0.691 6.13 -11.5 -10.6    
Operating Cost Growth % ...                                                 -5.69 3.48 4.24 -5.98 -2.74    
Operating Profit Growth % ...                                                 3.11 -6.27 11.3 -25.8 -36.2    
Pre-Tax Profit Growth % ...                                                 -0.282 3.07 8.58 -40.8 -59.6    
Net Profit Growth % ...                                                 -13.6 -1.30 -5.97 -40.3 -58.0    
balance sheet Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
balance sheet                                                                
Cash EUR mil                                                   17,155 20,055 96,940 181,364 225,655   ...
Interbank Loans EUR mil                                                   126,217 107,148 68,855 116,514 114,065   ...
Customer Loans EUR mil                                                   376,582 405,613 427,750 408,909 401,700    
Retail Loans EUR mil ... ... ... ... ... ...                                       193,516 197,979 200,006 187,869 186,729   ...
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         148,076 153,140 154,689 150,776 150,205 ... ...
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         45,440 44,839 45,317 37,093 36,524 ... ...
Corporate Loans EUR mil ... ... ... ... ... ...                                       110,958 118,118 161,152 138,761 141,892   ...
Debt Securities EUR mil                                     ... ... ...         442,993 377,263 378,871 249,524 250,408   ...
Fixed Assets EUR mil                                                   4,420 2,909 2,846 2,803 2,662   ...
Intangible Assets EUR mil ... ... ... ... ... ... ... ... ...                                 13,932 14,951 10,078 8,982 8,839   ...
Goodwill EUR mil ... ... ... ... ... ... ... ... ... ... ... ...                           9,074 9,518 4,890 4,103 3,782   ...
Total Assets EUR mil                                                   1,611,400 1,708,700 1,629,130 1,590,540 1,474,730    
Shareholders' Equity EUR mil                                                   54,966 73,223 67,624 64,818 68,099   ...
Of Which Minority Interest EUR mil                                                   247 253 270 316 250   ...
Liabilities EUR mil                                                   1,556,430 1,635,480 1,561,510 1,525,730 1,406,630   ...
Interbank Borrowing EUR mil                                                   162,621 123,739 119,516 103,662 114,666   ...
Customer Deposits EUR mil                                                   527,750 532,931 566,974 550,204 580,812    
Sight Deposits EUR mil                                                   149,471 160,733 192,010 200,122 226,339   ...
Term Deposits EUR mil                                                   378,279 372,198 374,964 350,082 354,473   ...
Issued Debt Securities EUR mil                                                   113,643 129,671 140,907 178,689 165,206   ...
Other Liabilities EUR mil                                                   752,420 849,139 734,109 693,172 545,949   ...
asset quality                                                                
Non-Performing Loans EUR mil ... ... ... ... ... ...                                       10,143 9,348 8,151 7,447 6,234    
Gross Loans EUR mil                                                   382,171 410,825 432,778 413,455 405,621    
Total Provisions EUR mil ... ... ... ... ... ...                                       5,589 5,212 5,028 4,546 3,921    
growth rates                                                                
Customer Loan Growth % ...                                                 -5.23 7.71 5.46 -4.40 -1.76    
Retail Loan Growth % ... ... ... ... ... ... ...                                     6.93 2.31 1.02 -6.07 -0.607   ...
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4.57 3.42 1.01 -2.53 -0.379 ... ...
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       15.4 -1.32 1.07 -18.1 -1.53 ... ...
Corporate Loan Growth % ... ... ... ... ... ... ...                                     -13.8 6.45 36.4 -13.9 2.26   ...
Total Asset Growth % ...                                                 -20.3 6.04 -4.66 -2.37 -7.28    
Shareholders' Equity Growth % ...                                                 1.34 33.2 -7.65 -4.15 5.06   ...
Customer Deposit Growth % ...                                                 -8.57 0.982 6.39 -2.96 5.56    
ratios Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
ratios                                                                
ROE % ...                                                 6.19 5.20 4.45 2.83 1.18   ...
ROA % ...                                                 0.186 0.201 0.188 0.116 0.051    
Costs (As % Of Assets) % ...                                                 1.37 1.55 1.60 1.56 1.60    
Costs (As % Of Income) %                                                   71.4 73.4 72.1 76.6 83.3    
Capital Adequacy Ratio % ... ...                                               18.5 17.2 16.2 17.4 18.6    
Tier 1 Ratio % ... ... ...   ...   ...                                     16.9 16.1 14.7 15.6 16.8    
Net Interest Margin % ...                                                 0.816 0.860 0.952 0.914 0.808    
Interest Spread % ...                                                 0.798 0.834 0.925 0.884 0.773   ...
Asset Yield % ...                                                 1.41 1.51 1.56 1.59 1.57    
Cost Of Liabilities % ...                                                 0.611 0.672 0.631 0.708 0.799   ...
Payout Ratio %                                                   22.6 31.0 0 14.0 28.9   ...
Interest Income (As % Of Revenues) %                                                   42.7 40.8 42.8 44.8 42.1    
Fee Income (As % Of Revenues) %                                                   35.4 35.5 34.4 35.8 37.5   ...
Other Income (As % Of Revenues) %                                                   21.9 23.7 22.8 19.5 20.4   ...
Cost Per Employee USD per month                                                   13,881 13,695 12,560 10,636 11,755    
Cost Per Employee (Local Currency) EUR per month                                                   10,457 10,625 10,957 9,920 10,469    
Staff Cost (As % Of Total Cost) %                                                   49.7 48.8 49.7 47.2 50.1    
Equity (As % Of Assets) %                                                   3.41 4.29 4.15 4.08 4.62   ...
Loans (As % Of Deposits) %                                                   71.4 76.1 75.4 74.3 69.2    
Loans (As % Assets) %                                                   23.4 23.7 26.3 25.7 27.2    
NPLs (As % Of Loans) % ... ... ... ... ... ...                                       2.65 2.28 1.88 1.80 1.54    
Provisions (As % Of NPLs) % ... ... ... ... ... ...                                       55.1 55.8 61.7 61.0 62.9    
Provisions (As % Of Loans) % ... ... ... ... ... ...                                       1.48 1.28 1.18 1.11 0.976    
Cost of Provisions (As % Of Loans) % ...                                                 0.534 0.290 0.229 0.331 0.130    
other data Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
other data                                                                
Branches ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 2,907 2,814 2,790 2,656 2,425    
Employees                                                   98,254 98,138 101,104 99,744 97,535    
Sight (As % Of Customer Deposits) %                                                   28.3 30.2 33.9 36.4 39.0   ...
Risk-Weighted Assets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     350,143 396,649 397,372 356,198 343,169    
Return on Loans % ...                                                 0.873 0.853 0.752 0.447 0.194    
Operating Profit (As % of Loans) % ...                                                 2.57 2.38 2.49 1.84 1.21    
Costs (As % Of Loans) % ...                                                 6.41 6.56 6.42 6.01 6.04    
Equity (As % Of Loans) %                                                   14.6 18.1 15.8 15.9 17.0   ...

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Deutsche Bank's npls (as % of loans) rose 0.961% yoy to 1.74% in 4Q2019

By Helgi Analytics - March 4, 2020

Deutsche Bank's non-performing loans reached 1.74% of total loans at the end of 2019-12-31, up from 1.72% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.20% in 2002-12-31 and an all time low of 1.32% in 2008-09-30. Prov...

Deutsche Bank's costs (as % of assets) rose 9.33% yoy to 1.75% in 4Q2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's cost to income ratio reached 110% in the fourth quarter of 2019, up from 100% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 113% of income in 4Q2017 and an all time low of 53.4% in 4Q2007. ...

Deutsche Bank's employees fell 4.51% yoy to 87,597 in 4Q2019

By Helgi Analytics - February 21, 2020

Deutsche Bank employed 87,597 persons in 2019-12-31, down 2.62% when compared to the previous year. Historically, the bank's workforce hit an all time high of 102,073 persons in 2011-09-30 and an all time low of 63,427 in 2005-12-31. Average cost reached USD 11,32...

Deutsche Bank's customer loan growth fell 97.7% yoy to 0.156% in 4Q2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's customer loan growth reached 0.156% in 2019-12-31, down from 6.88% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 58.0% in 2010-12-31 and an all time low of -35.6% in 2002-12-31. In the las...

Deutsche Bank's net profit fell 564% yoy to EUR -3,674 mil in 2019

By Helgi Analytics - February 21, 2020

Deutsche Bank made a net profit of EUR -3,674 mil under revenues of EUR 23,862 mil in 2019, up -564% and -15.1% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 13,513 mil in 2000 and an all time low of E...

Deutsche Bank's capital adequacy ratio fell 0.571% yoy to 17.4% in 2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's capital adequacy ratio reached 17.4% at the end of 2019, down from 17.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.6% in 2017 and an all time low of 9.90% in 1996. The Tier 1 ratio amounte...

Deutsche Bank's npls (as % of loans) rose 0.961% yoy to 1.74% in 2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's non-performing loans reached 1.74% of total loans at the end of 2019, up from 1.72% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.20% in 2002 and an all time low of 1.07% in 1997. Provision coverage amo...

Deutsche Bank's employees fell 4.51% yoy to 87,597 in 2019

By Helgi Analytics - February 21, 2020

Deutsche Bank employed 87,597 persons in 2019, down 4.51% when compared to the previous year. Historically, the bank's workforce hit an all time high of 102,062 persons in 2010 and an all time low of 63,427 in 2005. Average cost reached USD 12,415 per month per e...

Deutsche Bank's costs (as % of assets) rose 9.45% yoy to 1.77% in 2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's cost to income ratio reached 98.2% in 2019, up from 81.3% compared to the previous year. Historically, the bank’s costs reached an all time high of 109% of income in 2008 and an all time low of 63.9% in 2007. When compared to total assets, ...

Deutsche Bank's customer loan growth fell 97.7% yoy to 0.156% in 2019

By Helgi Analytics - February 21, 2020

Deutsche Bank's customer loan growth reached 0.156% in 2019, down from 6.88% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 58.0% in 2010 and an all time low of -35.6% in 2002. In the last decade, the aver...

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