Key figures

Income statement (IFRS)
EUR million	1 Jan – 31 Dec 2016	1 Jan – 31 Dec 2015	Change in %
Net interest income	1,475	1,612	-8.5
Risk provisions in the credit business	-87	-264	-67.2
Net interest income after risk provisions	1,389	1,348	3.0
Net commission income	296	289	2.2
Gains or losses on fair value measurement	142	-56	-
Gains or losses on hedge accounting	-80	-24	>100
Gains or losses on financial investments	274	286	-4.0
Administrative expenses	-1,280	-1,168	9.6
Expenses for the bank levy and deposit guarantee scheme	-88	-90	-2.0
Other income and expenses	51	71	-27.2
Gains or losses on restructuring	4	-10	-
Profit/loss before taxes	708	646	9.6
Income taxes	-158	-150	5.2
Profit/loss after taxes	550	496	10.9
Cost/income ratio (CIR)	59.3%	53.6%	5.7 Pp
Return on equity (RoE)	8.1%	6.7%	1.4 Pp

Balance sheet (IFRS)
EUR million	31 Dec 2016	31 Dec 2015	Change in %
Total assets	212,150	215,713	-1.7
Business volume	251,897	252,468	-0.2
Credit volume	174,225	175,428	-0.7
Total deposits	141,005	146,390	-3.7
Securitised liabilities	39,618	34,840	13.7
Subordinated capital	3,081	4,719	-34.7
Equity	11,056	11,070	-0.1

Banking supervisory capital and ratios under CRR/CRD IV (after close of year)
EUR million	31 Dec 2016	31 Dec 2015	Change in %
Common Equity Tier 1 capital (CET 1 capital)	9,564	10,537	-9.2
Own funds	11,059	12,214	-9.5
Total RWA	65,206	69,606	-6.3
CET 1 ratio	14.7%	15.1%	-0.4 pp
CET 1 ratio (fully loaded)	13.2%	12.0%	1.2 pp
Total capital ratio	17.0%	17.6%	-0.6 pp

Employees
	31 Dec 2016	31 Dec 2015	Change in %
Number of employees	7,133	7,082	+0.7

Current ratings
	Long-term	Short-term	Pfandbriefs*
Fitch Ratings	A-	F1	AAA
Moody's Investors Service	A1	P-1	Aaa

* Applies to public Pfandbriefs (Fitch and Moody's) and mortgage Pfandbriefs