Key financial indicators
of the Saving Banks Finance Group
Selected balance sheet items
Loans and advances to banks (MFIs ¹)
Loans and advances to non-banks (non-MFIs ¹)
Liabilities to banks (MFIs ¹)
Liabilities to non-banks (non-MFIs ¹)
As at
year-end
2015
EUR bn
As at
year-end
2014
EUR bn
Change
in %
294.2
338.1
– 13.0
1,193.0
1,186.0
+ 0.6
408.9
452.9
– 9.7
1,192.9
1,166.1
+ 2.3
152.9
149.3
+ 2.4
2,157.7
2,251.9
– 4.2
15.1
14.6
+ 0.5
2015 ⁴
EUR bn
2014
EUR bn
Change
in %
32,349
32,639
– 0.9
Net commission income
7,759
7,123
+ 8.9
Net result from financial operations
0,522
0,121
> + 200 %
Administrative expenses
27,731
27,063
+ 2.5
Operating profit before revaluation results
13,221
12,100
+ 9.3
Operating profit after revaluation results
12,196
10,618
+ 14.9
Net income before taxes
6,605
3,578
+ 84.6
Income-related taxes
3,721
3,386
+ 9.9
Net income after taxes
Equity
Total assets
Tier 1 ratio ² (in %)
Selected income statement item ³
Net interest income
2,884
0,192
> +200 %
of which: net income of Savings Banks after taxes
1,973
1,872
+ 5.4
of which: net income/loss (–) of Landesbanken after taxes
0,868
– 1,731
– 5
of which: net income of Landesbausparkassen after taxes
0,043
0,050
– 14.0
¹Monetary Financial Institutions
²Savings Banks and Landesbanken only (excluding Landesbausparkassen)
³In line with the ‘original’ income statement in accordance with the German Commercial Code, additions to the fund for general banking
risks pursuant to section 340g of the HGB are recognised as expenses, thereby reducing net income. Until 2010, DSGV Financial Reports
had adhered to the principles applied in Deutsche Bundesbank’s income statement statistics, where such additions pursuant to section
340g of the HGB are treated as appropriation of profits (increasing net income).
⁴Preliminary figures from financial statements in accordance with the HGB, some of which are as yet unaudited.
⁵Calculation is immaterial
Published by the German Savings Banks Association (DSGV)