DEUTSCHE BANK

DEUTSCHE BANK, SOCIEDAD ANONIMA ESPAÑOLA

CIF A08000614 Spain Financial seen 1237 times Last report June 2019

Employees 2,064 (49.60% women)
Profit 45.53M €
Credit Quality 0.4%
Interest Margin 230.4M €
Earnings per share 2.49 €

Balance

Assets and liabilities

Financial Debts on Assets -83.48%    1.51%
Net Financial Debt -15,100M €    1.51%
Working Balance 5.75%   -14.01%
Inmovilization 0.1%   -21%
Liquidity 106.2%   -0.96%

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  • Financial Debts on Assets: Net financial debt on total assets. Indicates how indebted the company is by comparing it with its assets.
  • Net Financial Debt: Financial liabilities minus cash and financial assets. If it is negative it indicates that there is no financial debt, but surplus.
  • Working Balance: The working capital are the current assets minus current liabilities. Dividing the working capital to the assets indicates the health of the company from the point of view of liquidity.
  • Inmovilization: Percentage of fixed assets on total assets.
  • Liquidity: Ability to deal with short-term debts.
Credit Quality

Credit Quality Ratio 0.4%   -24.13%

Doubtful Credits Ratio 4.42%    -9.42%

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  • Credit Quality Ratio: Proportion of provisions in total assets.
  • Doubtful Credits Ratio: Proportion of doubtful credits (in monetary units) with respect to the total credits granted.
  • Doubtful Refinanced Operations Ratio: Proportion of doubtful refinanced operations (in monetary units) with respect to the total of refinanced operations granted.
Leverage

Leverage 5.25%   -1.26%

AT1 Ratio 0%   0%
CET1 Ratio 10.17%    0.36%
TIER1 Ratio 10.17%    0.36%
TIER2 Ratio 0.87%   0%

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  • Leverage: Percentage of assets represented by liabilities with financial institutions (which generate costs)
  • AT1 Ratio: Additional Tier 1 capital. It is also known as convertible contingent bonds (CoCos), that is, the bank pays an interest and if an expected contingency happens it can be converted into shares.
  • CET1 Ratio: Common equity tier 1 capital. It informs us of the financial strength of a bank.
  • TIER1 Ratio: Share capital of a bank with respect to the total of its assets weighted by risk. A high ratio tells us that the bank has a good contingency gap.
  • TIER2 Ratio: This capital takes into account all those elements that absorb losses when the entity is not profitable.
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Income Statement

Result

Result 45.53M €    0.31%

Profit on Interest Margin 19.76%   -1.27%
Profit on credits 0.28%   -3.55%
Earnings per share 2.49 €    0.4%
Funds from Operations 32.29M €   -20.43%
Raw Margin 494.3M €   -4.58%
Interest Margin 230.4M €    1.6%
Reinsurance Business 0 €   0%

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  • Result: Earnings
  • Profit on Interest Margin: Proportion of the interest margin that are net profit.
  • Profit on credits: Proportion of credits that are net profit. It is a way of knowing the efficiency and profitability that is extracted from the credits granted.
  • Earnings per share: Net profit attributed to each of the outstanding shares.
  • Funds from Operations: Funds from operations. It results from adding profit and amortizations.
  • Raw Margin: It is the interest margin subtracted (added) by the expenses and operating income.
  • Interest Margin: It is the balance between the interest paid for deposits and interest charged for credits.
  • Reinsurance Business: It is the balance between income and expenses for the reinsurance business.
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Expenses

Expenses / EBIT 638.7%   -30.46%

Staff Costs 21,631M €   -9.02%
Staff Costs (mean) 10.48M €   -9.24%
Administration expenses / Interest Margin 173.9%   -7.68%

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  • Expenses / EBIT: Proportion of the EBIT that will be used in expenses. It should always be below 100%.
  • Staff Costs: Staff expenses.
  • Staff Costs (mean): Staff expenses (Mean).
  • Administration expenses / Interest Margin: Administrative expenses on the interest margin.
Business Quality

Margin of Interest / Assets 1.27%   -2.89%

Doubtful credits / Margin of Interest 311.4%   -7.27%
Doubtful refinanced operations / Margin of Interest 0%   0%
ROA 0.25%   -4.12%
ROE 3.8%    0.03%

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  • Doubtful credits / Margin of Interest: Proportion of the interest margin represented by doubtful loans.
  • Margin of Interest / Assets: Percentage of the asset that represents the margin of interest. As a large part of the assets are customer deposits, it is a way of calculating the profitability of the banking business.
  • Doubtful refinanced operations / Margin of Interest: Proportion of the interest margin represented by doubtful refinanced operations.
  • ROA: Return on assets. Percentage of assets that represent the benefits.
  • ROE: Return on equity. Percentage of own resources that represent the benefits.
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