Key figures at a glance

€ mn
1 Jan 2010–
31 Dec 2010
1 Jan 2009–
31 Dec 2009
%
Earnings data in accordance with IFRS
Income
307.3
243.1
26.4
Net interest income after allowance for credit losses
141.0
122.1
15.5
Net interest income
193.0
194.3
–0.7
Allowance for credit losses
–52.0
–72.2
–28.0
Net fee and commission income
124.4
97.8
27.2
Net income from financial instruments in accordance with IAS 39
30.2
17.9
68.7
Results from investments in companies
accounted for using the equity method
5.8
–2.0
–
Net other operating income/expenses
5.9
7.3
–19.2
General administrative expenses
–176.2
–156.5
12.6
Consolidated net income before taxes
131.1
86.6
51.4
Key financial indicators (%)
Return on equity (before taxes)
13.9
9.4
4.5 pp
Cost/income ratio
49.0
49.6
–0.6 pp
€ mn
31 Dec 2010
31 Dec 2009
%
Key items from the statement of financial position
in accordance with IFRS
Business volume
21,168.5
19,101.7
10.8
Total assets
19,316.8
17,268.6
11.9
Loans and advances to customers
16,445.0
14,670.4
12.1
Deposits from customers
4,408.8
4,412.7
–0.1
Securitised liabilities
5,319.9
3,477.1
53.0
Subordinated liabilities
545.5
606.0
–10.0
Equity
1,143.3
1,058.5
8.0
Own funds in accordance with the German Banking Act
Total
1,309.0
1,258.7
4.0
Tier 1 capital
1,105.1
993.6
11.2
Tier 2 and tier 3 capital
203.9
265.1
–23.1
Capital ratios in accordance with the
German Banking Act (%)
Basel II
Tier 1 ratio
18.9
14.2
4.7 pp
Total capital ratio
22.4
18.0
4.4 pp
Ratings
2010
2009
2008
Moody’s Investors Service
Long-term Debt and Deposit Rating
A1
A1
A1
Short-term Rating
P-1
P-1
P-1
Bank Financial Strength Rating
D+
D+
C
Outlook
negative
negative
stable
Standard & Poor’s
Long-term Issuer Credit Rating
A
A
A
Short-term Issuer Credit Rating
A-1
A-1
A-1
Outlook
negative
negative
stable

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