Download - Volksbank AG
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INCOME DEVELOPMENT OF THE<br />
INVESTKREDIT GROUP 1997 – 2001.<br />
1) Ratio of net income before tax to average risk-weighted assets<br />
2) Ratio of administrative expenses to income<br />
3) Ratio of net income before tax to average equity<br />
4) Ratio of net income after tax to average equity<br />
Income development<br />
in EUR m Return on assets<br />
40<br />
1.2 %<br />
35<br />
30<br />
25<br />
20<br />
15<br />
10<br />
5<br />
0<br />
Cost-income ratio Return on equity<br />
65 %<br />
16 %<br />
60 %<br />
55 %<br />
50 %<br />
45 %<br />
40 %<br />
35 %<br />
30 %<br />
25 %<br />
12<br />
9<br />
Profit for the year before tax<br />
Profit for the year after tax<br />
52 %<br />
5.9 %<br />
3.7 %<br />
Return on assets 1)<br />
0.46 % 19<br />
0.51 %<br />
17<br />
7<br />
Net profit<br />
14<br />
10<br />
8<br />
Cost-income ratio 2)<br />
Return on equity before tax 3)<br />
Return on equity – net profit 4)<br />
52 %<br />
6.3 %<br />
3.7 %<br />
0.80 %<br />
24<br />
1997 1998 1999 2000 2001<br />
54 %<br />
9.9 %<br />
7.0 %<br />
11.8 %<br />
9.7 %<br />
42 %<br />
1997 1998 1999 2000 2001<br />
32<br />
30<br />
0.85 %<br />
27<br />
34<br />
30<br />
0.71 %<br />
23<br />
12.2 %<br />
8.4 %<br />
42 %<br />
0.9 %<br />
0.6 %<br />
0.3 %<br />
0.0 %<br />
14 %<br />
12 %<br />
10 %<br />
8 %<br />
6 %<br />
4 %<br />
2 %<br />
0 %<br />
THE BANK FOR CORPORATES<br />
3