KPI Overview 2019-2023
Profitability / Efficiency
Net income before tax (in €mn)
2019
2020
2021
2022
2023
CIR1
%
2019
%
2020
%
2021
%
2022
%
2023
1) Cost-income ratio
Net interest margin2 (in bps)
2019
2020
2021
2022
2023
2) Operating net interest income divided by average total assets
Capital
CET13 ratio (in %)
,5
2019
,0
2020
,9
2021
,5
2022
,5
2023
3) Common Equity Tier 1 (IFRS)
Asset Quality
NPE4 ratio (in %)
,8
2019
,8
2020
,4
2021
,2
2022
,3
2023
4) Non-performing exposures
Rating
Moody's Credit Rating
Baa2, pos.
2019
Baa2, pos.
2020
Baa1, pos.
2021
Baa1, pos.
2022
A3, sta.
2023
Portfolio/New business in 2023
Gross new business totaling €6.2 bn is divided between the following segments:
Real Estate
Portfolio5
.3
*(8.7)
Gross new business
.6
*(1.6)
Shipping
Portfolio5
.7
*(3.5)
Gross new business
.3
*(1.6)
Project Finance
Portfolio5
.8
*(3.9)
Gross new business
.0
*(0.7)
Corporates
Portfolio5
.6
*(6.1)
Gross new business
.3
*(1.7)
Ownership Structure6
5) Portfolios as at 31.12.12.2023 (EaD; € billion) | *as at 31.12.2022 6) Percentages include rounding differences