Kerncijfers

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

Klik hier voor het overzicht in PDF.

 

2015 HY1

2014

2013

Earnings

Operating Income (EUR millions)

146

278

225

Operating expenses (EUR millions)

77

139

134

Net profit attributable to parent shareholder (EUR millions)

33

24

22

Underlying net profit before special items

33

42

22

Net interest income

130

231

148

Net fee and commission income

16

27

17

Net trading income

(6)

3

56

Impairments

23

93

62

Net interest margin 1)

1.28%

1.19%

0.72%

Dividend payout ratio

0

0%

73%

Cost-to-income ratio

53%

50%

60%

Return on equity 2)

3.7%

1.3%

1.2%

Corporate & Consumer Banking Assets

Corporate Banking Assets (drawn + undrawn)

Infrastructure

2,041

2,112

1,979

Shipping

1,437

1,387

1,161

Commercial Real Estate

1,203

1,294

1,301

Oil & Gas

1,259

1,244

864

Manufacturing

618

650

527

Financial Services

640

607

551

Services

482

483

398

Wholesale/Retail/Leisure

420

453

347

Agriculture & Food

343

289

168

Technology, Media & Telecommunications

189

172

109

Other

92

98

6

Total corporate loans (drawn + undrawn

8,723

8,789

7,412

Lease receivables

355

361

-

Investment loans

165

154

126

Equity investments

305

377

378

Total corporate banking assets (drawn + undrawn)

9,549

9,681

7,916

Corporate Banking Assets (drawn + undrawn per region

The Netherlands

3,087

2,983

2,547

Germany

2,067

2,293

1,698

United Kingdom

1,894

1,788

1,467

Other

2,501

2,617

2,204

Total corporate banking assets (drawn + undrawn)

9,549

9,681

7,916

Consumer Banking Assets

Mortgages - The Netherlands

8,019

7,891

7,331

Mortgages - Germany

143

167

233

Total consumer banking assets

8,162

8,058

7,564

Asset quality

Risk-weighted assets (EUR millions)

9,543

9,646

8,405

Cost of risk (normalised for exceptional impairments) 3)

0.58%

0.72%

0.79%

Cost of risk

0.58%

1.18%

0.79%

Impairment ratio (normalised for exceptional impairments) 4)

0.32%

0.40%

0.40%

Impairment ratio

0.32%

0.66%

0.40%

NPL ratio 5)

6.6%

5.8%

6.5%

Top-20 exposure 6)

13%

12%

13%

Exposure corporate loans that display an arrear > 90 days

0.8%

0.8%

0.7%

Exposure residential mortgages that display an arrear > 90 days

0.8%

1.0%

1.4%

Loan to value Dutch Residential mortgages 7)

81%

82%

82%

Solvency Information 8)

Shareholder's equity (EUR millions)

1,854

1,831

1,789

Subordinated liabilities

390

320

298

Group capital base (EUR millions)

2,243

2,151

2,087

Balance sheet total

23,581

23,144

22,323

Common Equity Tier-1 ratio

15.9%

15.5%

18.1%

Tier-1 ratio

15.9%

15.5%

21.3%

BIS ratio

20.5%

19.3%

22.3%

Leverage ratio

6.6%

7.0%

7.6%

Funding & Liquidity 9)

LCR

279%

128%

150%

NSFR

112%

108%

107%

Loan-to-deposit ratio

145%

154%

165%

Asset encumbrance ratio 10)

33%

35%

34%

Retail savings / Total funding

48%

47%

45%

Secured funding / Total funding

26%

30%

30%

Corporate deposits / Total funding

7%

6%

0%

S&P rating & outlook

BBB- / Stable

BBB- / Stable

BBB- / Negative

Fitch rating & outlook

BBB- / Stable

BBB- / Stable

BBB- / Stable

Other Information

Assets under management for third parties (EUR millions)

1,790

1,732

1,995

Non-Financial Key Figures

Client & Prodcuct Responsibility

NPS score Corporate Banking clients 11)

+27%

+28%

NIBC Direct customer survey score 11)

7.5

7.7

% of new corporate clients screened against sustainability policy framework

100%

100%

Number of new clients with increased sustainibility risk assessment

43

22

Number of project finance transactions closed in line with Equator Principles

9

8

Fines or sanctions for non-compliance with laws and regulations

0

0

Employees

Total number of FTEs end of year

637

596

Absenteeism 11)

2.1%

2.7%

Employee engagement 11)

85%

85%

Training expenses per employee (EUR)

1,759

1,950

Male/female ratio

71%/29%

71%/29%

Male/female ratio top management

88%/12%

88%/12%

Employee turnover (employees started)

19.7%

9.4%

Employee turnover (employees left)

13.2%

14.6%

 

Voetnoten

1) 12 months net interest income / 12 months average interest-bearing assets        
2) Net profit attributable to parent shareholder / total shareholder's equity at the beginning of the year         
3) Impairments + credit losses mortgages in net trading income / average total RWA. Exceptional impairments relate to additional impairments due to a prudent approach on the pre-crisis portfolio.        
4) Impairments + credit losses mortgages in net trading income /  carrying value of Loans + Mortgages + Debt investments at the beginning of the year. Exceptional impairments relate to additional impairments due to a prudent approach on the pre-crisis portfolio.        
5) Total non-performing exposure (defined by the European Banking Authority (EBA)) / total exposure. Non-performing exposure determined at customer level.        
6) Top-20 exposure excludes granular exposures from Commercial Real Estate        
7) Loan-to-Indexed-Market-Value (LTIMV) excluding NHG guaranteed mortgages        
8) 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. All Basel III ratios are fully loaded.        
9) NIBC Funding & liquidity is managed on NIBC Holding level, all funding & liquidity ratios with exception of Loan-to-deposit are calculated on NIBC Holding level, Loan-to-deposit ratio is calculated on NIBC Bank level        
10) Encumbered assets + total collateral received re-used / total assets + total collateral re-used        
11) Change in calculation method as compared to 2013. For details, see Corporate responsibility reporting scope.