Key figures

Income statement (IFRS)
EUR million	1 Jan – 31 Dec 2017	1 Jan – 31 Dec 2016	Change in %
Net interest income	1,659	1,475	12.5
Risk provisions in the credit business	-94	-87	8.2
Net interest income after risk provisions	1,565	1,388	12.7
Net commission income	263	296	-11.1
Gains or losses on fair value measurement	205	142	43.9
Gains or losses on hedge accounting	-142	-80	77.2
Gains or losses on financial investments	23	274	-91.4
Administrative expenses	-1,258	-1,280	-1.8
Expenses for the bank levy and deposit guarantee scheme	-98	-88	-12.1
Other income and expenses	91	51	77.0
Gains or losses on restructuring	2	4	-36.2
Profit/loss before taxes	652	708	-7.9
Income taxes	27	-158	-
Profit/loss after taxes	679	550	23.5
Cost/income ratio (CIR)	59.9%	59.3%	0.6 pp
Return on equity (RoE)	7.4%	8.1%	-0.7 pp

Balance sheet (IFRS)
EUR million	31 Dec 2017	31 Dec 2016	Change in %
Total assets	214,521	212,150	1.1
Business volume	255,679	251,897	1.5
Credit volume	183,222	174,225	5.2
Total deposits	146,387	141,005	3.8
Securitised liabilities	41,847	39,618	5.6
Subordinated capital	1,903	3,081	-38.2
Equity	10,816	11,035	-2.0

Banking supervisory capital and ratios under CRR/CRD IV (after close of year)
EUR million	31 Dec 2017	31 Dec 2016	Change in %
Common Equity Tier 1 capital (CET1 capital)	9,393	9,564	-1.8
Own funds	10,756	11,059	-2.7
Total RWA	61,420	65,206	-5.8
CET1 ratio (fully loaded)	15.3%	13.2%	2.1 pp
Total capital ratio	17.5%	17.0%	0.5 pp

Employees
	31 Dec 2017	31 Dec 2016	Change in %
Number of employees	7,219	7,133	1.2

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 (Moody's)