DZ Bank

DZ Bank's npls (as % of loans) fell 19.4% yoy to 2.87% in 2018

By Helgi Analytics - February 21, 2020

DZ Bank's non-performing loans reached 2.87% of total loans at the end of 2018, down from 3.56% compared to the previous year. ...

DZ Bank's net interest margin fell 7.36% yoy to 0.532% in 2018

By Helgi Analytics - February 21, 2020

DZ Bank's net interest margin amounted to 0.532% in 2018, down from 0.575% compared to the previous year. Historically, th...

DZ Bank's net profit fell 3.68% yoy to EUR 895 mil in 2018

By Helgi Analytics - February 21, 2020

DZ Bank made a net profit of EUR 895 mil under revenues of EUR 24,144 mil in 2018, up -3.68% and -7.22% respectively compared to the ...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 2,660 2,916 2,726
Fee Income (As % Of Revenues) % 6.70 7.16 8.10
Other Income EUR mil 20,969 21,244 19,463
Total Revenues EUR mil 25,327 26,024 24,144
Staff Cost EUR mil 1,760 1,808 1,843
Operating Profit EUR mil 4,225 4,313 3,482
Provisions EUR mil 569 822 206
Net Profit EUR mil 1,412 929 895
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 107,253 89,414 91,627
Customer Loans EUR mil 174,138 171,582 172,133
Debt Securities EUR mil 209,832 192,611 187,044
Total Assets EUR mil 509,447 505,594 518,733
Shareholders' Equity EUR mil 22,890 23,505 23,512
Interbank Borrowing EUR mil 179,484 163,589 171,386
Customer Deposits EUR mil 124,425 126,319 132,548
Issued Debt Securities EUR mil 82,961 71,226 66,806
Ratios 2016 2017 2018
ROE % 6.63 4.00 3.81
ROA % 0.308 0.183 0.175
Costs (As % Of Assets) % 4.60 4.28 4.03
Costs (As % Of Income) % 83.3 83.4 85.6
Capital Adequacy Ratio % 18.6 17.2 16.8
Net Interest Margin % 0.580 0.575 0.532
Loans (As % Of Deposits) % 140 136 130
NPLs (As % Of Loans) % 3.29 3.56 2.87
Provisions (As % Of NPLs) % 41.3 45.1 46.1
Growth Rates 2016 2017 2018
Total Revenue Growth % 4.42 2.75 -7.22
Operating Cost Growth % 5.23 2.89 -4.83
Operating Profit Growth % 0.547 2.08 -19.3
Net Profit Growth % -0.249 -34.2 -3.68
Customer Loan Growth % 39.6 -1.47 0.321
Total Asset Growth % 24.8 -0.756 2.60
Customer Deposit Growth % 29.4 1.52 4.93
Shareholders' Equity Growth % 16.0 2.69 0.030
Employees 25,302 31,272 30,732

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                            
Net Interest Income EUR mil               3,260 3,118 3,049 2,870 2,660    
Total Revenues EUR mil               20,917 22,669 25,156 24,255 25,327    
Operating Profit EUR mil               3,465 4,521 4,511 4,202 4,225    
Net Profit EUR mil               691 1,169 1,730 1,416 1,412    
balance sheet                            
Interbank Loans EUR mil               79,429 74,214 79,317 80,735 107,253    
Customer Loans EUR mil               121,302 117,618 120,049 124,777 174,138    
Debt Securities EUR mil               192,797 179,986 191,364 188,569 209,832    
Total Assets EUR mil               407,236 385,398 402,682 408,341 509,447    
Shareholders' Equity EUR mil               12,641 14,188 18,245 19,729 22,890    
Interbank Borrowing EUR mil               100,596 136,926 140,956 142,604 179,484    
Customer Deposits EUR mil               92,169 98,411 96,428 96,186 124,425    
Issued Debt Securities EUR mil               67,592 56,955 59,393 59,093 82,961    
ratios                            
ROE % ...             5.90 8.71 10.7 7.46 6.63    
ROA % ...             0.170 0.295 0.439 0.349 0.308    
Costs (As % Of Assets) % ...             4.29 4.58 5.24 4.95 4.60    
Costs (As % Of Income) %               83.4 80.1 82.1 82.7 83.3    
Capital Adequacy Ratio %               13.8 17.9 16.8 18.8 18.6    
Net Interest Margin % ...             0.802 0.787 0.774 0.708 0.580    
Interest Income (As % Of Revenues) %               15.6 13.8 12.1 11.8 10.5    
Fee Income (As % Of Revenues) %               4.90 4.87 5.62 6.73 6.70    
Staff Cost (As % Of Total Cost) %   ... ...         8.47 8.34 7.75 8.03 8.34    
Equity (As % Of Assets) %               3.10 3.68 4.53 4.83 4.49    
Loans (As % Of Deposits) %               132 120 124 130 140    
Loans (As % Assets) %               29.8 30.5 29.8 30.6 34.2    
NPLs (As % Of Loans) % ... ... ...         3.83 4.83 4.82 4.10 3.29    
Provisions (As % Of NPLs) % ... ... ...         52.9 43.8 40.5 39.9 41.3    
valuation                            
Number Of Shares (Average) mil ... ... ...       ... ... ... ... ... ... ... ...
Earnings Per Share (EPS) EUR ... ... ...       ... ... ... ... ... ... ... ...
Book Value Per Share EUR ... ... ...       ... ... ... ... ... ... ... ...
Dividend Per Share EUR ... ... ...     ... ... ... ... ... ... ...    
Earnings Per Share Growth % ... ... ... ...     ... ... ... ... ... ... ... ...
Book Value Per Share Growth % ... ... ... ...     ... ... ... ... ... ... ... ...
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                            
Interest Income EUR mil               8,544 7,459 7,302 6,667 6,811    
Interest Cost EUR mil               5,284 4,341 4,253 3,797 4,151    
Net Interest Income EUR mil               3,260 3,118 3,049 2,870 2,660    
Net Fee Income EUR mil               1,024 1,104 1,415 1,632 1,698    
Other Income EUR mil               16,633 18,447 20,692 19,753 20,969    
Total Revenues EUR mil               20,917 22,669 25,156 24,255 25,327    
Staff Cost EUR mil   ... ...         1,478 1,513 1,599 1,610 1,760    
Depreciation EUR mil ... ... ... ... ... ... ... ... 116 138 140 157    
Other Cost EUR mil ... ... ... ... ... ... ... ... 16,519 18,908 18,303 19,185    
Operating Cost EUR mil               17,452 18,148 20,645 20,053 21,102    
Operating Profit EUR mil               3,465 4,521 4,511 4,202 4,225    
Provisions EUR mil               527 540 191 153 569    
Extra and Other Cost EUR mil               1,619 1,760 1,453 1,596 1,538    
Pre-Tax Profit EUR mil               1,319 2,221 2,867 2,453 2,118    
Tax EUR mil               350 754 710 657 568    
Minorities EUR mil               278 298 427 380 138    
Net Profit EUR mil               691 1,169 1,730 1,416 1,412    
Dividends EUR mil           ... ... ... ... ... ... ...    
growth rates                            
Net Interest Income Growth % ...             3.92 -4.36 -2.21 -5.87 -7.32    
Net Fee Income Growth % ...             6.33 7.81 28.2 15.3 4.04    
Total Revenue Growth % ...             16.0 8.38 11.0 -3.58 4.42    
Operating Cost Growth % ...             11.0 3.99 13.8 -2.87 5.23    
Operating Profit Growth % ...             50.0 30.5 -0.221 -6.85 0.547    
Pre-Tax Profit Growth % ...             222 68.4 29.1 -14.4 -13.7    
Net Profit Growth % ...             47.0 69.2 48.0 -18.2 -0.249    
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                            
Cash EUR mil               2,497 3,812 3,033 6,542 8,515    
Interbank Loans EUR mil               79,429 74,214 79,317 80,735 107,253    
Customer Loans EUR mil               121,302 117,618 120,049 124,777 174,138    
Retail Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ...    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ...    
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ...    
Corporate Loans EUR mil               67,093 67,321 68,235 69,502 110,702    
Debt Securities EUR mil               192,797 179,986 191,364 188,569 209,832    
Fixed Assets EUR mil               1,841 1,762 2,292 1,710 1,752    
Intangible Assets EUR mil   ... ... ... ... ... ... ... 216 216 169 787    
Goodwill EUR mil ... ... ...         275 216 216 169 169    
Total Assets EUR mil               407,236 385,398 402,682 408,341 509,447    
Shareholders' Equity EUR mil               12,641 14,188 18,245 19,729 22,890    
Of Which Minority Interest EUR mil               4,690 4,841 5,338 4,722 2,826    
Liabilities EUR mil               394,595 371,210 384,437 388,612 486,557    
Interbank Borrowing EUR mil               100,596 136,926 140,956 142,604 179,484    
Customer Deposits EUR mil               92,169 98,411 96,428 96,186 124,425    
Term Deposits EUR mil               44,145 47,205 49,543 83,443 109,677    
Issued Debt Securities EUR mil               67,592 56,955 59,393 59,093 82,961    
Subordinated Debt EUR mil ... ... ... ... ... ... ... ... ... 3,784 4,142 4,723    
Other Liabilities EUR mil               134,238 78,918 87,660 90,729 99,687    
asset quality                            
Non-Performing Loans EUR mil ... ... ...         4,743 5,800 5,900 5,200 5,800    
Gross Loans EUR mil               123,811 120,158 122,437 126,850 176,532    
Total Provisions EUR mil ...             2,509 2,540 2,388 2,073 2,394    
growth rates                            
Customer Loan Growth % ...             2.38 -3.04 2.07 3.94 39.6    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...  
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...  
Corporate Loan Growth % ...             2.77 0.340 1.36 1.86 59.3    
Total Asset Growth % ...             0.323 -5.36 4.48 1.41 24.8    
Shareholders' Equity Growth % ...             17.3 12.2 28.6 8.13 16.0    
Customer Deposit Growth % ...             -0.756 6.77 -2.02 -0.251 29.4    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                            
ROE % ...             5.90 8.71 10.7 7.46 6.63    
ROA % ...             0.170 0.295 0.439 0.349 0.308    
Costs (As % Of Assets) % ...             4.29 4.58 5.24 4.95 4.60    
Costs (As % Of Income) %               83.4 80.1 82.1 82.7 83.3    
Capital Adequacy Ratio %               13.8 17.9 16.8 18.8 18.6    
Tier 1 Ratio %               13.6 16.4 13.7 15.6 16.0    
Net Interest Margin % ...             0.802 0.787 0.774 0.708 0.580    
Interest Spread % ...             0.763 0.748 0.727 0.662 0.536    
Asset Yield % ...             2.10 1.88 1.85 1.64 1.48    
Cost Of Liabilities % ...             1.34 1.13 1.13 0.982 0.949    
Payout Ratio %           ... ... ... ... ... ... ...    
Interest Income (As % Of Revenues) %               15.6 13.8 12.1 11.8 10.5    
Fee Income (As % Of Revenues) %               4.90 4.87 5.62 6.73 6.70    
Other Income (As % Of Revenues) %               79.5 81.4 82.3 81.4 82.8    
Cost Per Employee USD per month   ... ...       ... 6,759 7,038 6,804 6,080 6,215    
Cost Per Employee (Local Currency) EUR per month   ... ...       ... 5,259 5,302 5,279 5,304 5,797    
Staff Cost (As % Of Total Cost) %   ... ...         8.47 8.34 7.75 8.03 8.34    
Equity (As % Of Assets) %               3.10 3.68 4.53 4.83 4.49    
Loans (As % Of Deposits) %               132 120 124 130 140    
Loans (As % Assets) %               29.8 30.5 29.8 30.6 34.2    
NPLs (As % Of Loans) % ... ... ...         3.83 4.83 4.82 4.10 3.29    
Provisions (As % Of NPLs) % ... ... ...         52.9 43.8 40.5 39.9 41.3    
Provisions (As % Of Loans) % ...             2.07 2.16 1.99 1.66 1.37    
Cost of Provisions (As % Of Loans) % ...             0.440 0.452 0.161 0.125 0.381    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                            
Employees             ... 23,420 23,780 25,242 25,296 25,302    
Risk-Weighted Assets EUR mil               89,232 85,307 98,262 98,027 118,634    
Return on Loans % ...             0.576 0.979 1.46 1.16 0.945    
Operating Profit (As % of Loans) % ...             2.89 3.78 3.80 3.43 2.83    
Costs (As % Of Loans) % ...             14.6 15.2 17.4 16.4 14.1    
Equity (As % Of Loans) %               10.4 12.1 15.2 15.8 13.1    

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DZ Bank's capital adequacy ratio fell 2.33% yoy to 16.8% in 2018

By Helgi Analytics - February 21, 2020

DZ Bank's capital adequacy ratio reached 16.8% at the end of 2018, down from 17.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.8% in 2015 and an all time low of 9.70% in 2008. The Tier 1 ratio amounted to ...

DZ Bank's net interest income fell 6.52% yoy to EUR 2,726 mil in 2018

By Helgi Analytics - February 21, 2020

DZ Bank generated total banking revenues of EUR 24,144 mil in 2018, down 7.22% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 26,024 mil in 2017 and an a...

DZ Bank's customer loan growth rose 122% yoy to 0.321% in 2018

By Helgi Analytics - February 21, 2020

DZ Bank's customer loan growth reached 0.321% in 2018, up from -1.47% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 39.6% in 2016 and an all time low of -3.97% in 2009. In the last decade, the average ann...

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