Key figures

Here you will find an overview of the key figures of NIBC Bank N.V.

Click here for a graphic overview of the key figures.

  2016 2015 2014
Earnings      
Operating Income (EUR millions) 381 316 295
Operating expenses (EUR millions) 194 172 155
Net profit attributable to parent shareholder (EUR millions) 102 71 24
Underlying net profit before special item 104 71 42
Net interest income 306 286 247
Net fee and commission income 32 36 27
Net trading income 12 (12) 3
Impairments 57 63 93
Net interest margin (1, 10) 1.44% 1.37% 1.28%
Dividend payout ratio 25% 0% 0%
Cost-to-income ratio 51% 54% 53%
Return on equity (2) 5.4% 3.9% 1.3%
Corporate & Consumer Banking Assets      
Corporate Banking Assets (drawn + undrawn)      
Infrastructure & Renewables 1,618 1,990 2,070
Shipping & Intermodal 1,512 1,537 1,357
Commercial Real Estate 1,375 1,293 1,321
Oil & Gas Services 1,233 1,282 1,316
Industries & Manufacturing 1,512 1.266 1,118
Food, Agri, Retail & Health 1,149 896 864
Telecom, Media, Technology & Services 1,257 968 744
Total corporate loans (drawn + undrawn) 9,658 9,232 8,789
Lease receivables 123 221 361
Investment loans 246 161 154
Equity investments 262 300 377
Total corporate banking assets (drawn + undrawn) 10,289 9,914 9,681
Corporate Banking Assets (drawn + undrawn per region)      
The Netherlands 3,849 3,304 2,983
Germany 2,378 2,229 2,293
United Kingdom 1,678 1,700 1,788
Other 2,384 2,681 2,617
Total corporate banking assets (drawn + undrawn) 10,289 9,914 9,681
Consumer Banking Assets      
Mortgages - The Netherlands 8,747 8,463 7,891
Mortgages - Germany 84 117 167
Total consumer banking assets 8,831 8,580 8,058
Asset quality      
Risk-weighted assets (EUR millions) 10,109 10,162 9,646
Cost of risk (normalised for exceptional impairments) (3)   0.74% 0.72%
Cost of risk (3) 0.60% 0.71% 1.18%
Impairment ratio (normalised for exceptional impairments) (4)   0.41% 0.40%
Impairment ratio (4) 0.34% 0.39% 0.63%
NPL ratio (5) 3.7% 3.7% 3.4%
Top-20 exposure / Common Equity Tier-1 87% 86% 104%
Exposure corporate loans that display an arrear > 90 days 0.9% 0.7% 0.8%
Exposure residential mortgages that display an arrear > 90 days 0.6% 0.7% 1.0%
Loan to value Dutch Residential mortgages (6) 85% 84% 82%
Solvency Information (7)      
Shareholder's equity (EUR millions) 1,969 1,886 1,831
Subordinated liabilities 398 400 320
Group capital base (EUR millions) 2,367 2,286 2,151
Balance sheet total 23,580 23,042 23,144
Common Equity Tier-1 ratio 16.8% 15.6% 15.5%
Tier-1 ratio 16.8% 15.6% 15.5%
BIS ratio 21.3% 20% 19.3%
Leverage ratio 7.3% 7.2% 7.0%
Funding & Liquidity (8)      
LCR 124% 201% 128%
NSFR 112% 113% 108%
Loan-to-deposit ratio 148% 143% 154%
Asset encumbrance ratio (9) 29% 29% 35%
Retail savings / Total funding 45% 48% 45%
Secured funding / Total funding 22% 24% 29%
Corporate deposits / Total funding 6% 6% 5%
S&P rating & outlook (13) BBB- / Positive BBB- / Positive BBB- / Stable
Fitch rating & outlook (13) BBB- / Positive BBB- / Positive BBB- / Stable
Other Information      
Assets under management for third parties (EUR millions) 1,538 1,703 1,732
Non-Financial Key Figures      
Client & Prodcuct Responsibility      
NPS score Corporate Banking clients (11) +37% +40 +27%
NIBC Direct customer survey score 7.6 7.7 7.5
% of new corporate clients screened against sustainability policy framework 100% 100% 100%
Number of new clients with increased sustainibility risk assessment 28 14 43
Number of project finance transactions closed in line with Equator Principles 2 6 9
Fines or sanctions for non-compliance with laws and regulations (12) 0 1 0
Employees      
Total number of FTEs end of year 704 644 637
Absenteeism 2.4% 2.1% 2.1%
Employee engagement 80% 84% 85%
Training expenses per employee (EUR) 2,070 2,540 1,759
Male/female ratio 73%/27% 70%/30% 71%/29%
Male/female ratio top management 91%/9% 90%/10% 88%/12%
Employee turnover (employees started) 24.3% 15.2% 19.7%
Employee turnover (employees left) 14.9% 15.2% 13.2%

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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