Kerncijfers

Hier vindt u een overzicht van kerncijfers van NIBC Bank N.V. vanaf 2011.

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Key Figures

2014

2013

2012

Earnings

Operating Income (EUR millions)

278

225

272

Operating expenses (EUR millions)

139

134

146

Net profit attributable to parent shareholder (EUR millions)

24

22

73

Underlying net profit before special items

42

22

73

Net interest income

231

148

127

Net fee and commission income

27

17

18

Net trading income

3

56

94

Impairments

93

62

45

Net interest margin 1)

1.19%

0.72%

0.58%

Dividend payout ratio

0%

73%

53%

Cost-to-income ratio

50%

60%

54%

Return on equity 2)

1.3%

1.2%

4.0%

Corporate & Consumer Banking Assets

Corporate Banking Assets (drawn + undrawn)

Infrastructure

2,112

1,979

2,190

Shipping

1,387

1,161

1,521

Commercial Real Estate

1,294

1,301

1,941

Oil & Gas

1,244

864

1,015

Manufacturing

650

527

446

Financial Services

607

551

483

Services

483

398

446

Wholesale/Retail/Leisure

453

347

467

Agriculture & Food

289

168

85

Technology, Media & Telecommunications

172

109

150

Other

98

6

6

Total corporate loans (drawn + undrawn

8,789

7,412

8,750

Lease receivables

361

-

-

Investment loans

154

126

173

Equity investments

377

378

352

Total corporate banking assets (drawn + undrawn)

9,681

7,916

9,275

Corporate Banking Assets (drawn + undrawn per region

The Netherlands

2,983

2,547

2,968

Germany

2,293

1,698

2,050

United Kingdom

1,788

1,467

1,601

Other

2,617

2,204

2,656

Total corporate banking assets (drawn + undrawn)

9,681

7,916

9,275

Consumer Banking Assets

Mortgages - The Netherlands

7,891

7,331

7,836

Mortgages - Germany

167

233

351

Total consumer banking assets

8,058

7,564

8,187

Asset quality

Risk-weighted assets (EUR millions)

9,646

8,405

9,731

Cost of risk (normalised for exceptional impairments) 3)

0.72%

0.79%

0.49%

Cost of risk

1.18%

0.79%

0.49%

Impairment ratio (normalised for exceptional impairments) 4)

0.40%

0.40%

0.27%

Impairment ratio

0.66%

0.40%

0.27%

NPL ratio 5)

5.8%

6.5%

13.3%

Top-20 exposure 6)

12%

13%

13%

Exposure corporate loans that display an arrear > 90 days

0.8%

0.7%

2.5%

Exposure residential mortgages that display an arrear > 90 days

1.0%

1.4%

1.1%

Loan to value Dutch Residential mortgages 7)

82%

82%

77%

Solvency Information 8)

Shareholder's equity (EUR millions)

1,831

1,789

1,825

Subordinated liabilities

320

298

347

Group capital base (EUR millions)

2,151

2,087

2,172

Balance sheet total

23,144

22,323

26,244

Common Equity Tier-1 ratio

15.5%

18.1%

15.3%

Tier-1 ratio

15.5%

21.3%

18.1%

BIS ratio

19.3%

22.3%

19.1%

Leverage ratio

7.0%

7.6%

6.4%

Funding & Liquidity 9)

LCR

128%

150%

236%

NSFR

108%

107%

114%

Loan-to-deposit ratio

154%

165%

199%

Asset encumbrance ratio 10)

35%

34%

34%

Retail savings / Total funding

47%

45%

36%

Secured funding / Total funding

30%

30%

28%

Corporate deposits / Total funding

6%

0%

0%

S&P rating & outlook

BBB- / Stable

BBB- / Negative

BBB- / Negative

Fitch rating & outlook

BBB- / Stable

BBB- / Stable

BBB / Negative

Other Information

Assets under management for third parties (EUR millions)

1,732

1,995

1,178

Non-Financial Key Figures

Client & Prodcuct Responsibility

NPS score Corporate Banking clients 11)

+27%

+28%

+12%

NIBC Direct customer survey score 11)

7.5

7.7

7.4

% of new corporate clients screened against sustainability policy framework

100%

100%

100%

Number of new clients with increased sustainibility risk assessment

43

22

14

Number of project finance transactions closed in line with Equator Principles

9

8

16

Fines or sanctions for non-compliance with laws and regulations

0

0

0

Employees

Total number of FTEs end of year

637

596

627

Absenteeism 11)

2.1%

2.7%

2.1%

Employee engagement 11)

85%

85%

85%

Training expenses per employee (EUR)

1,759

1,950

2,425

Male/female ratio

71%/29%

71%/29%

70%/30%

Male/female ratio top management

88%/12%

88%/12%

90%/10%

Employee turnover (employees started)

19.7%

9.4%

6.6%

Employee turnover (employees left)

13.2%

14.6%

11.2%

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.