Dr. Georg Stocker,
Chairman of the Board of Management

"Customers of Sparkassen continued to invest in capital markets through the first half of the year. They have confidence in the economy and its innovative strength.This is a clear signal
for investment."

At a Glance

Economic
result
in €m
Total AM volume and
Deka certificate volume
in €bn
Total
sales
in €bn
Common Equity
Tier 1 capital ratio
in %
19.8
31.12.24
as per CRR II
19.9
30.06.25
as per CRR III*

Cost / income
ratio
in %
54.8
1st half 2024
56.9
1st half 2025
Return on equity
before tax
(balance sheet)
in %
New investment
savings plans
~0
in the 1st half of 2025
~235,000
in the 1st half of 2024
Utilisation of
risk appetite
in %
Financial indicators
Economic
result
in €m
Total AM volume and
Deka certificate volume
in €bn
Total
sales
in €bn
Common Equity
Tier 1 capital ratio
in %
19.8
31.12.24
as per CRR II
19.9
30.06.25
as per CRR III*
Cost / income
ratio
in %
54.8
1st half 2024
56.9
1st half 2025
Return on equity
before tax
(balance sheet)
in %
New investment
savings plans
~0
in the 1st half of 2025
~235,000
in the 1st half of 2024
Utilisation of
risk appetite
in %
Pfeil links
Pfeil rechts
* excluding provisions
Michael Hahn
Head of Finance
Tobias Versen
Head of Reporting & Rating
Sven Jacoby
Head of External Financial Reporting & Rating