Financial Key Data

Ratios

EUR m	2023	2022	2021	2020	2019
Net interest income	970.2	766.4	685.0	750.4	691.1
Net commission income	178.3	184.1	193.0	184.3	175.3
General administrative expenses	-738.8	- 737.3	- 715.0	- 720.9	- 683.9
Profit before risk provisioning	433.9	241.1	188.1	184.7	217.7
Risk provisioning from the operating business*	- 64.1	- 43.1	- 14.3	- 40.1	- 43.5
Risk provisioning with reserve character business	-131.9	- 46.5	- 49.5	- 33.4	- 57.1
Net profit after tax	94.2	65.8	65.4	65.3	64.1

^{* This includes risk provisioning for the customer lending business as well as for financial instruments and participations.}

EUR m	2023	2022	2021	2020	2019
Balance sheet total	50,727	54,184	67,372	59,440	49,603
Equity capital	2,046	1,984	1,981	1,915	1,868
Customer loans	35,309	37,008	37,787	38,240	37,291
Customer deposits	29,422	33,934	37,140	33,241	29,237