Business figures

The financial information of WL BANK is updated every six months.

Business development (in EUR million)
  2014 2015 2016 30.06.17
Balance Sheet Total 38,239 36,738 37,624 38,296
Customer Business 35,939 25,271 27,482 28,337
Real Estate Loans 16,003 20,102 20,102 21,041
Public Sector Loans 7,307 7,335 7,380 7,296
Portfolio of Bonds 12,629 9,398 7,908 7,822
New Commitments Customer Business 4,867.5 5,169.7 5,183.6 2,168.9
Real Estate Loans 2,775.7 4,163.4 4,190.6 1,835.1
Public Sector Loans 1,002.0 1,006.3 993.0 333.8
New Bonds 1,089.8 672.0 563.0 508.4
Extract of Profit and Loss
Net Interest Income and Comission 93.7 113.7 126.6 93.5
Operating Results before Risk Provisions/result on financial investments 43.1 50.4 50.1 15.5
Net Profit of the Year*** 4.3 4.3 4.5 2.1
Key Data/Profitability in %
Cost-Income-Ratio (inkl. banks levy) - 55.2 61.5 77.2
Cost-Income-Ratio (exkl. banks levy) 54.2 46.8 51.9 58.4
Return on Equity before Taxes** 11.0 15.16 15.47 17.98
Core Capital Ratio 11.39 10.28

10.26

8.94
Aggregated Capital Ratio 14.34 12.24 11.37 9.66

** before allocation to reserves pursuant to §340f / §340g of the German Commercial Code (HGB)
*** as of 2011 before profit transfer

Real Estate Loan Business (in EUR million)
  2014 2015 2016 30.06.17
New Real Estate Loan Commitments
Brokered by Cooperative Banks 1,315.3 2,083.9 2,101.6 993.7
Direct Business 1,460.4 2,079.5 2,089.0 841.4
New Real Estate Loan Commitments
Commercial Property 556.3 569.4 727.4 267.4
Residential Property 2,219.4 3,594.0 3,463.2 1.567.7

 

Public Cover Pool
  2014 2015 2016 30.06.17
Debitor Diversification (in %)
Substitute Cover Assets 0.0 0.1 0.1 0.1
Foreign Debtors 15.1 16.2 13.3 13.1
Municipial clients* 49.3 55.8 60.8 63.8
Public Sector Banks (including Federal and State Development Banks) 10.6 6.6 7.4 5.7
Federal Government/special Assets of the German Federal Government 2.0 0.3 0.3 0.2
German Federal States

23.0

21.0

18.1

17.1

* Towns, local authorities, associations of local authorities, other municipial clients