BankFocus - bank report of Bayerische Landesbank

Bayerische Landesbank

Ratios

Consolidated statements IFRS IFRS IFRS

Unqualified Unqualified Not Audited
Original Original Original
31/12/2019 31/12/2018 31/03/2020
12 months 12 months Q1
m EUR m EUR 3 months
WVB WVB m EUR
WVB
Assets quality
Loan loss res / Gross loans% 0.66 0.75 n.a.
Loan loss prov / Net int rev% -8.36 -7.75 16.90
Loan loss res / Impaired loans% 58.68 57.10 n.a.
Impaired loans / Gross loans% 1.13 1.30 n.a.
NCO / Average gross loans% -0.22 -0.16 n.a.
NCO / Net inc bef ln lss prov% -97.20 -32.04 n.a.
Impaired loans / Equity% 14.23 16.09 n.a.
Unreserved impaired loans / Equity% 5.88 6.90 n.a.
Consolidated statements IFRS IFRS IFRS
Unqualified Unqualified Not Audited
Original Original Original
31/12/2019 31/12/2018 31/03/2020
12 months 12 months Q1
m EUR m EUR 3 months
WVB WVB m EUR
WVB
Capital
Tier 1 ratio% n.a. 15.20 n.a.
Total capital ratio% 18.30 17.50 16.70
Equity / Tot assets% 5.10 5.11 4.59
Equity / Net loans% 8.01 8.17 7.39
Equity / Cust & short term funding% 8.33 7.63 6.81
Equity / Liabilities% 5.43 5.44 4.85
Cap funds / Tot assets% 6.04 5.99 5.29
Cap funds / Net loans% 9.47 9.56 8.52
Cap funds / Dep & ST funding% 9.85 8.93 7.85
Cap funds / Liabilities% 6.42 6.37 5.59
Subord debt / Cap funds% 15.45 14.61 13.28
Consolidated statements IFRS IFRS IFRS
Unqualified Unqualified Not Audited
Original Original Original
31/12/2019 31/12/2018 31/03/2020
12 months 12 months Q1
m EUR m EUR 3 months
WVB WVB m EUR
WVB
Operations
Net interest margin% 0.81 0.83 0.73
Net int rev / Avg assets% 0.78 0.80 0.70
Oth op inc / Avg assets% 0.27 0.26 0.00
Non int exp / Avg assets% 0.65 0.62 0.95
Pre-tax op inc / Avg assets% 0.40 0.44 -0.25
Non op items & taxes / Avg ast% -0.19 -0.06 0.00
Return On Avg Assets (ROAA)% 0.21 0.38 -0.25
Return On Avg Equity (ROAE)% 4.09 7.50 -5.40
Dividend pay-out% n.a. 21.14 n.a.
Inc net of dist / Avg equity% n.a. 5.92 n.a.
Non op items / Net income% -51.72 -10.75 0.00
Cost to income ratio% 67.96 64.31 118.55
Recurring earning power% 0.34 0.38 -0.13

BankFocus (Data update 1802 - 29/05/2020) - © BvD 31/05/2020 Page 1

BankFocus - bank report of Bayerische Landesbank
Consolidated statements IFRS IFRS IFRS
Unqualified Unqualified Not Audited
Original Original Original
31/12/2019 31/12/2018 31/03/2020
12 months 12 months Q1
m EUR m EUR 3 months
WVB WVB m EUR
WVB
Liquidity
Interbank ratio% 63.63 67.70 58.15
Net loans / Tot assets% 63.74 62.59 62.16
Net loans / Dep & ST funding% 104.06 93.43 92.15
Net loans / Tot dep & bor% 69.68 68.24 67.92
Liquid assets / Dep & ST funding% 32.26 30.10 29.80
Liquid assets / Tot dep & bor% 21.61 21.99 21.96

BankFocus (Data update 1802 - 29/05/2020) - © BvD 31/05/2020 Page 2