Here you will find selected key figures for the DZ BANK Group plus a comparison of key figures with the previous year. You can download other tables, e.g. key figures, in Excel format in the download center.
Fee, commission, and bonus payments to cooperative banks
Jan. 1 – Jun. 30, 2025
1609
€ m
+ 3.34 %
Fee, commission, and bonus payments to cooperative banks
Jan. 1 – Jun. 30, 2024
1,557
€ m
Cost/income ratio
Jan. 1 – Jun. 30, 2025
49.5
%
- 4.8 percentage points
Cost/income ratio
Jan. 1 – Jun. 30, 2024
54.3
%
Average number of employees
(Jan. 1 – Jun. 30, 2025)
34506
+ 1.98 %
Average number of employees
(Jan. 1 – Dec. 31, 2024)
33,837
Comparison of key figures
{
"values": [
{
"data": [
{
"values": [
3858,
3239,
4304,
4193,
4688
],
"name": "Operating income*"
},
{
"values": [
144,
-60,
-52,
-206,
-241
],
"name": "Loss allowances"
},
{
"values": [
1829,
938,
1932,
1711,
2127
],
"name": "Profit before taxes"
},
{
"values": [
1307,
577,
1397,
1246,
1494
],
"name": "Net profit"
}
],
"unit": "in € millions",
"title": "Financial performance",
"zeroes": 0,
"yearlabel": [
"Jan. 1 - Jun. 30, 2021",
"Jan. 1 - Jun. 30, 2022",
"Jan. 1 - Jun. 30, 2023",
"Jan. 1 - Jun. 30, 2024",
"Jan. 1 - Jun. 30, 2025"
]
},
{
"data": [
{
"values": [
102419,
115946,
128867,
143532,
143705
],
"name": "Loans and advances to banks"
},
{
"values": [
191583,
203002,
204776,
208688,
208177
],
"name": "Loans and advances to customers"
},
{
"values": [
52776,
60628,
34961,
30441,
29766
],
"name": "Financial assets held for trading"
},
{
"values": [
57934,
45448,
47970,
62049,
66998
],
"name": "Investments"
},
{
"values": [
127239,
111914,
115568,
122625,
122656
],
"name": "Investments held by insurance companies"
}
],
"unit": "in € millions",
"title": "Financial position - Assets",
"zeroes": 0,
"yearlabel": [
"Jun. 30, 2021",
"Jun. 30, 2022",
"Jun. 30, 2023",
"Jun. 30, 2024",
"Jun. 30, 2025"
]
},
{
"data": [
{
"values": [
197586,
202655,
174580,
187526,
184175
],
"name": "Deposits from banks"
},
{
"values": [
143090,
163668,
159641,
154103,
148814
],
"name": "Deposits from customers"
},
{
"values": [
76110,
90666,
103768,
109810,
124384
],
"name": "Debt certificate issued including bonds"
},
{
"values": [
55758,
51695,
47675,
42234,
41471
],
"name": "Financial liabilities held for trading"
},
{
"values": [
28503,
24304,
31069,
32578,
33954
],
"name": "Equity"
},
{
"values": [
637870,
658657,
644589,
659638,
666488
],
"name": "Total assets/total equity and liabilities"
}
],
"unit": "in € millions",
"title": "Financial position - Equity and liabilities",
"zeroes": 0,
"yearlabel": [
"Jun. 30, 2021",
"Jun. 30, 2022",
"Jun. 30, 2023",
"Jun. 30, 2024",
"Jun. 30, 2025"
]
},
{
"data": [
{
"values": [
55.5,
65.1,
53.9,
54.3,
49.5
],
"name": "Cost/income ratio"
}
],
"unit": "in %",
"title": "Performance key figures",
"zeroes": 1,
"yearlabel": [
"Jan. 1 - Jun. 30, 2021",
"Jan. 1 - Jun. 30, 2022",
"Jan. 1 - Jun. 30, 2023",
"Jan. 1 - Jun. 30, 2024",
"Jan. 1 - Jun. 30, 2025"
]
},
{
"data": [
{
"values": [
18.7,
16.4,
20.1,
20.1,
22.8
],
"name": "Total capital ratio"
},
{
"values": [
15.4,
13.3,
15.5,
15.8,
17.9
],
"name": "Common equity Tier 1 capitol ratio"
}
],
"unit": "in %",
"title": "Capital ratios",
"zeroes": 1,
"yearlabel": [
"Jun. 30, 2021",
"Jun. 30, 2022",
"Jun. 30, 2023",
"Jun. 30, 2024",
"Jun. 30, 2025"
]
},
{
"data": [
{
"values": [
32220,
32848,
33622,
33837,
34506
],
"name": "Average number of employees during the period"
}
],
"unit": "persons",
"title": "Employees",
"zeroes": 0,
"yearlabel": [
"Jun. 30, 2021",
"Jun. 30, 2022",
"Jun. 30, 2023",
"Jun. 30, 2024",
"Jun. 30, 2025"
]
}
],
"years": [
2021,
2022,
2023,
2024,
2025
]
}