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Facts and Figures

Financial Statements

Financial statements
  2022 2021
Balance sheet in EUR billion (extract)    
Total assets 97.4 95.5
Loans and advances to banks 66.0 65.1
Loans and advances to customers 7.8 7.6
Bonds and other fixed-­income securities 15.9 15.1
Liabilities to banks 1.8 1.9
Securitised liabilities 83.7 82.6
Equity reported on the balance sheet 4.8 4.7
Income statement in EUR million    
Net interest income 268.8 285.7
Administrative expenses 112.5 90.0
Operating profit before provision for loan losses and valuation 157.8 187.7
Provision for loan losses and valuation 121.8 153.2
Net income 36.0 34.5
Distributable profit 18.0 17.3

Cost/­income ratio in %

36.7 32.9
Employees

403 385
Capital ratios (%)    
Common Equity Tier 1 capital ratio 31.7 31.8
Tier 1 capital ratio 31.7 31.8
Total capital ratio 31.7 32.0

 

The three most important rating agencies have affirmed Rentenbank's triple-A rating:

Rating
  Long-­term Rating Short-­term Rating
Moody's Investors Service Aaa P-1
Standard & Poor's AAA A-1+
Fitch Ratings AAA F1+