Facts and Figures
Key figures
Balance sheet (in euro billions) | 2024 | 2023 |
Total assets | 95.0 | 97.8 |
Loans and advances to banks | 65.6 | 67.2 |
Loans and advances to customers | 7.0 | 7.5 |
Bonds and other fixed-income securities | 16.7 | 15.9 |
Liabilities to banks | 1.5 | 1.8 |
Securitised liabilities | 83.8 | 85.8 |
Equity reported on the balance sheet | 5.0 | 4.9 |
Income statement (in euro millions) | 2024 | 2023 |
Net interest income | 287.5 | 310.0 |
Administrative expenses | 130.8 | 113.6 |
Operating profit before provision for loan losses and valuation | 161.6 | 197.3 |
Provision for loan losses and valuation | 123.6 | 160.3 |
Net income | 38.0 | 37.0 |
Distributable profit | 19.0 | 18.5 |
Cost-income ratio in % | 41.8 | 35.6 |
Employees (end of year) | 459 | 436 |
Capital ratios (in %) | 2024 | 2023 |
Common Equity Tier 1 capital ratio | 38.3 | 31.3 |
Tier 1 capital ratio | 38.3 | 31.3 |
Total capital ratio | 38.3 | 31.3 |
Leverage ratio | 10.2 | 10.3 |
Ratings | Long-term rating | Short-term rating |
Moody's Investors Service | Aaa | P-1 |
Standard & Poor's | AAA | A-1+ |
Fitch Ratings | AAA | F1+ |