Key figures

De Volksbank Factsheet 1H17 (.xlsx)

Balance sheet
in € millions 2016 2015 2014
Balance sheet total 61,561 62,290 68,159
Loans and advances to customers 48,593 49,217 52,834
Of which mortgages 44,797 44,787 47,608
Amounts due to customers 47,428 47,440 46,208
Of which savings 36,593 36,860 35,666
Debt instruments 5,696 6,941 11,252
Equity 3,541 3,302 2,963
Risk Weighted Assets (RWA) 10,824 11,513 13,771

Capital, funding and liquidity ratios
2016 2015 2014
Common equity tier 1 ratio 29.2% 25.3% 18.3%
Total capital ratio 33.8% 29.5% 18.4%
Leverage ratio 5.2% 4.7% 3.8%
Loan-to-deposit ratio 104% 105% 113%
LCR >100% >100% 455%
NSFR >100% >100% 130%

Quality loan portfolio
2016 2015 2014
Loans in arrears (%) 1.5% 2.9% 4.3%
Impaired ratio 0.9% 2.0% 3.1%
Coverage ratio 19.0% 22.5% 19.6%

Performance indicators
2016 2015 2014
NIM (Net Interest Margin as % average assets) 1.47% 1.52% 1.43%
Efficiency ratio 56.0% 53.4% 44.7%
Return on Equity (ROE) 9.6% 11.1% 5.4%