Key figures

Income statement (IFRS)
EUR million	1 Jan – 31 Dec 2018	1 Jan – 31 Dec 2017	Change in %
Net interest income	1,742	1,659	5.0
Risk provisions in the credit business	135	-94	-
Net interest income after risk provisions	1,877	1,565	19.9
Net commission income	270	263	2.8
Gains or losses on fair value measurement	151	205	-26.2
Gains or losses on hedge accounting	-50	-142	-64.8
Gains and losses on derecognised financial assets	-9	-	-
Gains or losses on financial investments	10	23	-58.0
Administrative expenses	-1,356	-1,258	7.8
Expenses for the bank levy and deposit guarantee scheme	-103	-98	4.5
Other income and expenses	76	91	-16.0
Gains or losses on restructuring	2	2	-27.7
Profit/loss before taxes	869	652	33.3
Income taxes	-41	27	-
Profit/loss after taxes	828	679	21.9
Cost/income ratio (CIR)	61.9%	59.9%	2.0 pp
Return on equity (RoE)	9.4%	7.4%	2.0 pp

Balance sheet (IFRS)
EUR million	31 Dec 2018	31 Dec 2017	Change in %
Total assets	220,227	214,521	2.7
Business volume	262,696	255,679	2.7
Credit volume	186,685	183,222	1.9
Total deposits	147,539	146,387	0.8
Securitised liabilities	45,469	41,847	8.7
Subordinated capital	1,925	1,903	1.2
Equity	11,255	10,816	4.1

Banking supervisory capital and ratios under CRR/CRD IV (after close of year)
EUR million	31 Dec 2018	31 Dec 2017	Change in %
Common Equity Tier 1 capital (CET1 capital)	9,973	9,393	6.2
Own funds	11,465	10,756	6.6
Total RWA	65,594	61,420	6.8
CET1 ratio (fully loaded)	15.2%	15.3%	-0.1 pp
Total capital ratio	17.5%	17.5%	-

Employees
	31 Dec 2018	31 Dec 2017	Change in %
Number of employees	7,703	7,219	6.7

Current ratings
	Issuer Rating	Short-term, unsecured	Pfandbriefs*
Fitch Ratings	A- (stable)	F1	AAA
Moody's Investors Service	Aa3 (stable)	P-1	Aaa

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