Financial Information

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Financial Highlights (2014-2018)

2018 2017
2016 2015 2014
KEY FINANCIAL FIGURES(€ 000)
Net Income 37,170 52,892 48,272 49,044 40,080
Income Before Tax 55,791 78,819 69,652 72,596 58,941
Income Before Tax* 68,716 79,219  76,681 67,099 60,466
Total Assets 4,476,974 5,059,249 5,487,837 4,774,341 4,360,288
Paid-in Capital 200,000 200,000 200,000 200,000 100,000
Total shareholders’equity 669,645 632,475 579,583 531,311 382,267
Interest-bearing assets 4,431,487 5,005,497  5,482,344 4,768,886 4,357,021
Interest-bearing liabilities 3,799,941 4,411,236 4,862,661 4,150,888 3,879,148
   
KEY RATIOS(%)
Solvency ratio 17.54 15.19 12.60 14.38 12.29
Return on average shareholders’ equity* 6.66 8.29
9.01 8.91 10.05
Total assets/Shareholders’ equity (times) 6.69 9.47 8.99 11.41 9.46
Cost/Income ratio 16.61 13.17 12.21 12.64 11.98
Commission income/Operating expenses 0.22 45.78 50.59 32.19 40.78
Number of employees 49 48  45 42 38
Income before tax* per employee (€ 000) 1,402 1,650 1,704 1,597 1,550
Non-performing loans 0,0 0,0 0,0 0,0 0,0
Loans/Deposits 107.58 109.44 108.06 111.33 110.25

* Excluding the effect of country risk provisioning treatment.

Note: All financial information has been extracted from the financial statements prepared in accordance with the German Accounting Principles and the German Commercial Code.