Investor Relations

Wij willen beleggers relevante, actuele informatie verstrekken over onze strategie en onze operationele en financiële resultaten. NIBC maakt deze informatie openbaar via financiële (pers)berichten en diverse financiële rapportages.

Voor meer informatie kunt u contact opnemen met het team van Investor Relations.

Kerncijfers

Hier vindt u een overzicht van kerncijfers van NIBC Bank N.V. vanaf 2013.

Klik hier voor een grafisch overzicht van de kerncijfers van 2015

  2015 2014 2013
Earnings      
Operating Income (EUR millions) 316 295 238
Operating expenses (EUR millions) 172 155 148
Net profit attributable to parent shareholder (EUR millions) 71 24 22
Underlying net profit before special item 71 42 22
Net interest income 286 247 162
Net fee and commission income 36 27 17
Net trading income (12) 3 56
Impairments 63 93 62
Net interest margin (1, 10) 1.37% 1.28% 0.79%
Dividend payout ratio 0% 0% 73%
Cost-to-income ratio 54% 53% 62%
Return on equity (2) 3.9% 1.3% 1.2%
Corporate & Consumer Banking Assets      
Corporate Banking Assets (drawn + undrawn)      
Infrastructure & Renewables 1,990 2,070 1,944
Shipping & Intermodal 1,537 1,357 1,143
Commercial Real Estate 1,293 1,321 1,312
Oil & Gas Services 1,282 1,316 864
Industries & Manufacturing 1.266 1,118 1,099
Food, Agri, Retail & Health 896 864 518
Telecom, Media, Technology & Services 968 744 532
Total corporate loans (drawn + undrawn) 9,232 8,789 7,412
Lease receivables 221 361 -
Investment loans 161 154 126
Equity investments 300 377 378
Total corporate banking assets (drawn + undrawn) 9,914 9,681 7,916
Corporate Banking Assets (drawn + undrawn per region)      
The Netherlands 3,304 2,983 2,547
Germany 2,229 2,293 1,698
United Kingdom 1,700 1,788 1,467
Other 2,681 2,617 2,204
Total corporate banking assets (drawn + undrawn) 9,914 9,681 7,916
Consumer Banking Assets      
Mortgages - The Netherlands 8,463 7,891 7,331
Mortgages - Germany 117 167 233
Total consumer banking assets 8,580 8,058 7,564
Asset quality      
Risk-weighted assets (EUR millions) 10,162 9,646 8,405
Cost of risk (normalised for exceptional impairments) (3) 0.74% 0.72% 0.79%
Cost of risk (3) 0.71% 1.18% 0.79%
Impairment ratio (normalised for exceptional impairments) (4) 0.41% 0.40% 0.40%
Impairment ratio (4) 0.39% 0.63% 0.40%
NPL ratio (5) 3.7% 3.4% 3.8%
Top-20 exposure / Common Equity Tier-1 86% 104% 105%
Exposure corporate loans that display an arrear > 90 days 0.7% 0.8% 0.7%
Exposure residential mortgages that display an arrear > 90 days 0.7% 1.0% 1.4%
Loan to value Dutch Residential mortgages (6) 84% 82% 82%
Solvency Information (7)      
Shareholder's equity (EUR millions) 1,886 1,831 1,789
Subordinated liabilities 400 320 298
Group capital base (EUR millions) 2,286 2,151 2,087
Balance sheet total 23,042 23,144 22,323
Common Equity Tier-1 ratio 15.6% 15.5% 18.1%
Tier-1 ratio 15.6% 15.5% 21.3%
BIS ratio 20% 19.3% 22.3%
Leverage ratio 7.2% 7.0% 7.6%
Funding & Liquidity (8)      
LCR 201% 128% 150%
NSFR 113% 108% 107%
Loan-to-deposit ratio 143% 154% 165%
Asset encumbrance ratio (9) 29% 35% 34%
Retail savings / Total funding 48% 45% 45%
Secured funding / Total funding 24% 29% 30%
Corporate deposits / Total funding 6% 5% 0%
S&P rating & outlook (13) BBB- / Positive BBB- / Stable BBB- / Negative
Fitch rating & outlook (13) BBB- / Positive BBB- / Stable BBB- / Stable
Other Information      
Assets under management for third parties (EUR millions) 1,703 1,732 1,995
Non-Financial Key Figures      
Client & Prodcuct Responsibility      
NPS score Corporate Banking clients (11) +40 +27% +28%
NIBC Direct customer survey score 7.7 7.5 7.7
% of new corporate clients screened against sustainability policy framework 100% 100% 100%
Number of new clients with increased sustainibility risk assessment 14 43 22
Number of project finance transactions closed in line with Equator Principles 6 9 8
Fines or sanctions for non-compliance with laws and regulations (12) 1 0 0
Employees      
Total number of FTEs end of year 644 637 596
Absenteeism 2.1 2.1% 2.7%
Employee engagement 84% 85% 85%
Training expenses per employee (EUR) 2,540 1,759 1,950
Male/female ratio 70%/30% 71%/29% 71%/29%
Male/female ratio top management 90%/10% 88%/12% 88%/12%
Employee turnover (employees started) 15.2% 19.7% 9.4%
Employee turnover (employees left) 15.2% 13.2% 14.6%

Footnotes

1) 12 months net interest income / 12 months average interest-bearing assets.
2) Net profit attributable to parent shareholders / total shareholder’s equity at the beginning of the year.
3) Impairments & credit losses mortgages in net trading income / average total RWA. 2014 includes exceptional impairments relating to
additional impairments due to a prudent approach on the pre-crisis portfolio.
4) Impairments / average carrying value of loans & mortgages. 2014 includes exceptional impairments relating to additional impairments
due to a prudent approach on the pre-crisis portfolio.
5) Total non-performing exposure (corporate and consumer loans) / total exposure (corporate and consumer loans). Non-performing
exposure determined at customer level.
6) Loan-to-Indexed-Market-Value (LTIMV) excluding NHG guaranteed mortgages.
7) Common Equity Tier-1 ratio (previously Core Tier-1 ratio), Tier-1 ratio and BIS ratio based on Basel III as of 1 January 2014. Untill
31 December 2013 all capital ratios were based on Basel II. Leverage ratio is based on Basel III. The solvency information is based on the
CRR/CRD IV regulation, calculated for NIBC Bank consolidated on a fully loaded base and including the full year net profit of the year.
8) All funding & liquidity ratios with exception of loan-to-deposit are calculated at a NIBC Holding level, loan-to-deposit ratio is calculated
on NIBC Bank level.
9) Encumbered assets + total collateral received re-used / total assets + total collateral re-used.
10) Previous year figures have been adjusted to reflect the changes in accounting policies as disclosed in the section ‘Other changes in
NIBC’s accounting policies’.
11) Score based on the response of 154 clients on our NPS-survey.
12) In 2015, non-punitive fee (EUR 50k) agreed with German tax authorities as part of settlement of regular tax audit.
13) Credit rating reflects current rating

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