Kerncijfers

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

Klik hier voor een grafisch overzicht van de key figures

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 items

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

1,282

1,316

864

Industries & Manufacturing

1.266

1,118

1,099

Food, Agri, Retail & Health

896

864

518

Technology, Media & 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 Information7

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 & Liquidity8

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

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)

1,703

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%

Voetnoten

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.