Zum Inhalt springen
apobank investor relations headerpicture man with tablet

Financial Key Data

Financial Key Data

Ratios

  2024 2023 2022 2021 2020
Total capital ratio                                               18.3% 18.0% 17.6% 17.3% 18.0%
Core capital ratio 17.1% 16.7% 15.8% 15.9% 16.3%
Cost-income ratio 66.5% 63.7% 75.9% 79.8% 81.2%
Return on equity (after tax)   4.8%   4.8%   3.4%   3.5%   3.5%

Income statement

EUR m 2024 2023 2022 2021 2020
Net interest income   972.0   970.2   766.4   685.0  750.4
Net commission income   177.2   178.3   184.1   193.0  184.3
General administrative expenses - 731.1 - 738.8 - 737.3 - 715.0 - 720.9
Profit before risk provisioning   408.2   433.9   241.1   188.1  184.7
Risk provisioning from the operating business*   - 61.4   - 64.1   - 43.1  - 14.3  - 40.1
Risk provisioning with reserve character business   - 35.0 - 131.9   - 46.5  - 49.5  - 33.4
Net profit after tax     96.0     94.2     65.8    65.4    65.3
* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.

Balance sheet figures


EUR m		 2024 2023 2022 2021 2020
Balance sheet total          51,812 50,727 54,184 67,372 59,440
Equity capital   2,094   2,046   1,984   1,981   1,915
Customer loans 34,743 35,309 37,008 37,787 38,240
Customer deposits 30,279 29,422 33,934 37,140 33,241

Other figures

  2024 2023 2022 2021 2020
Members                         111,472 110,436 113,543 115,239 116,055
Costumers 505,947 501,823 498,474 --- 481,000
Employees     2,341     2,299     2,269     2,246     2,354