Key figures

Key figures

Balance sheet

in € millions

2017

20161

2015

2014

2013

Balance sheet total

60,892

61,588

62,690

68,159

74,537

Loans and advances to customers

49,322

48,620

49,217

52,834

53,405

- of which residential mortgages

45,820

44,824

44,787

46,230

47,010

Amounts due to customers

46,855

47,428

47,440

46,208

43,904

- of which savings

36,575

36,593

36,860

35,666

33,276

Debt instruments

4,900

5,696

6,941

11,252

16,439

Equity

3,714

3,561

3,302

2,963

2,582

  1. De Volksbank changed the accounting policies for the recognition of prepayment charges on early mortgage renewals, comparative figures have been adjusted accordingly.



Capital and funding

in € millions

2017

2016

2015

2014

2013

Tier 1 core capital

3,339

3,164

2,916

2,520

2,266

Risk Weighted Assets (RWA)

9,781

10,824

11,513

13,771

15,121

Ratios

CET 1 ratio

34.1%

29.2%

25.3%

18.3%

15.0%

Tier 1 ratio

34.1%

29.2%

25.3%

18.3%

15.0%

Total capital ratio

35.7%

33.8%

29.5%

18.4%

15.0%

CET 1 ratio (fully loaded)

34.3%

29.6%

25.8%

17.4%

12.3%

Leverage ratio

5.5%

5.2%

4.7%

3.8%

3.1%

Leverage ratio (fully loaded)

5.6%

5.3%

4.8%

3.6%

2.5%

Loan-to-deposit ratio

107%

103%

105%

113%

122%



Quality loan portfolio

2017

2016

2015

2014

2013

Loan-to-Value mortgage portfolio

74%

80%

83%

86%

89%

Loans in arrears (%)

1.4%

1.8%

3.1%

4.3%

4.5%

Impaired ratio

0.8%

1.3%

2.3%

3.1%

3.1%

Coverage ratio retail mortgages

16%

19%

23%

20%

19%



Market shares

2017

2016

2015

2014

2013

Payments (new current accounts)1

20%

21%

25%

21%

16%

Retail savings

10.8%

10.8%

10.9%

10.7%

10.1%

Mortgage portfolio (in €)

6.8%

6.6%

6.7%

7.0%

7.1%

New mortgages (in #)

6.8%

5.7%

4.1%

3.7%

1.8%

  1. Source market share new current accounts: market research GfK, based on Moving Annual Total (MAT).



Other key figures

2017

2016

2015

2014

2013

Number of SNS Shops

197

196

189

188

166

Number of independent advisers RegioBank

528

536

538

535

526

Number of ATMs

320

393

438

539

537


Profit and loss account

in € millions

2017

20161

2015

2014

2013

Net interest income

924

938

994

1,024

957

Net fee and commission income

49

57

48

44

50

Other income

55

39

83

31

36

Total income

1,028

1,034

1,125

1,099

1,043

Operating expenses excluding regulatory levies

560

596

575

491

514

Regulatory levies

43

46

15

7

8

Total operating expenses

603

642

590

498

522

Other expenses

-

1

22

76

8

Total expenses

603

643

612

574

530

Impairment charges

-24

-68

37

207

224

Impairment charges goodwill

-

-

-

67

Result before tax

449

459

476

251

289

Net result discontinued operations

-

-

-

-

-1,536

Taxes

120

110

128

100

105

Net result for the period

329

349

348

151

-1,352

- Net result Property Finance

-1,536

- Incidental items

13

-25

13

-143

-79

Adjusted net result for the period

316

374

335

294

263

  1. De Volksbank changed the accounting policies for the recognition of prepayment charges on early mortgage renewals, comparative figures have been adjusted accordingly.



Shared value

2017

2016

2015

2014

2013

Customers

Customer weighted average NPS1

-3

-8

-12

-16

-21

Current account customers (in 1.000)

1,409

1,328

1,240

1,147

Society

Carbon neutral balance sheet

27%

22%2

20%

16%

Employees

Employee NPS (eNPS)

-2

30

34

18

Shareholder

Return on Equity

9.1%

10.1%

11.1%

5.4%

-69.0%

Adjusted Return on Equity3

8.7%

10.8%

10.7%

10.6%

10.2%

  1. Figures shown relate to measurements conducted in the fourth quarter.
  2. 2016 figures have been restated from 23% to 22% following the alignment of one investment fund to our CO2 methodology.
  3. Excluding the impact of incidental items.

Other Performance indicators

2017

2016

2015

2014

2013

Cost/income ratio1

54.5%

57.6%

51.2%

44.7%

50.0%

Adjusted cost/income ratio2

55.4%

54.5%

53.4%

44.7%

43.5%

Net interest margin (bps)

1.50%

1.48%

1.52%

1.43%

1.23%

Cost of risk total loans

-0.05%

-0.14%

0.07%

0.38%

0.39%

  1. The efficiency ratio is calculated by dividing total operating expenses excluding the impact of regulatory levies by total income.
  2. Excluding the impact of incidental items. The efficiency ratio is the efficiency ratio excluding the impact of regulatory levies and one-off items (gross amounts).

Total assets 2017




Total liabilities 2017


Total income


(in € millions)


Operating expenses


(in € millions)


Number of employees


(FTE)




Net Promoter Score

Brand

2016

2017

ASN Bank

14

17

BLG Wonen

-29

-24

RegioBank

2

7

SNS

-18

-13

Customer weighted

-8

-3

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