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DVB Bank SE

EANS-News: DVB Group posts a marked increase in consolidated net income before IAS 39 and taxes for the first half of 2012

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6-month report


Frankfurt am Main (euro adhoc) - DVB increased its consolidated net income
before taxes (and excluding net result from financial instruments in accordance
with IAS 39) by 36.6%, to EUR91.1 million (H1 2011: EUR66.7 million). 

Wolfgang F. Driese, CEO and Chairman of the Board of Managing Directors,
commented on DVB's consolidated results for the first half of 2012:

"We have picked up speed nicely during the second quarter, bringing the various
items of our income statement (excluding net income from financial instruments
in accordance with IAS 39) into our target range for the first half of the year.

The general risk situation remains a challenge, as existing excess capacity and
the high number of new deliveries coincide with falling demand in some transport
sectors. The absence of any convincing and sustainable political measures to
tackle the sovereign debt crisis is a major burden to the economic environment.

We are very satisfied with DVB's achievements. The six-month financial
statements show that we are straight on course for reaching our target of
generating results that are comparable to the previous year."

At EUR183.9 million, total income for the first six months of 2012 (comprising
net interest income after allowance for credit losses, net fee and commission
income, results from investments in companies accounted for using the equity
method, and net other operating income/expenses), was up by 19.6% year-on-year
(H1 2011: EUR153.8 million). 

Interest income rose by a marked 16.3%, from EUR419.5 million to EUR487.8
million. DVB maintained its business policy - one that is both risk-aware and
committed. DVB originated 63 new transactions, with an aggregate volume of
EUR2.2 billion (H1 2011: 75 new transactions with a total volume of EUR2.4
billion). The average interest margin on new business originated by the three
Transport Finance divisions rose to 356 basis points (H1 2011: 327 basis
points). Interest expenses rose by 22.1%, mainly on account of higher funding
costs. At EUR112.5 million, net interest income for the first half of 2012
increased slightly year-on-year (H1 2011: EUR112.2 million). Allowance for
credit losses amounted to EUR27.3 million in the first half of 2012 (H1 2011:
EUR18.4 million). Net interest income after allowance for credit losses declined
by 9.2%, from EUR93.8 million to EUR85.2 million. 

Net fee and commission income, which primarily includes fees and commissions
from new Transport Finance business, and asset management as well as advisory
fees, grew to EUR54.6 million, up 2.1% year-on-year (H1 2011: EUR53.5 million). 

Net other operating income/expenses rose from EUR6.2 million to EUR43.9 million.
Specifically, this figure also includes the proceeds from the sale of
shareholdings. On 14 June 2012, the Bank sold a 60% stake in TES Holdings Ltd,
the British aero engine specialist headquartered in Bridgend, Wales, to two
Japanese investors. The two new partners - Mitsubishi Corporation, and
Development Bank of Japan, Inc. - acquired 35% and 25%, respectively. DVB
remains the largest shareholder, with 40%. 

General administrative expenses rose by 6.5% to EUR92.8 million. Major expense
items included a 10.1% increase in staff expenses, to EUR 52.3 million. Higher
bank levy charges and contributions to the deposit insurance scheme, meant that
non-staff expenses (including depreciation, amortisation and write-downs)
increased slightly by EUR0.9 million, to EUR40.5 million. 

Net result from financial instruments in accordance with IAS 39 (comprising net
trading income, the hedge result, the result from the application of the fair
value option, the result from derivatives entered into without intention to
trade, and net result from investment securities) once again especially
reflected the high volatility levels on foreign exchange and interest rate
markets: during the first half of 2012, the net figure was negative, at EUR20.3
million, after a positive balance of EUR8.2 million during the same period of
2011. 

Consolidated net income before taxes was down 5.5% year-on-year, to EUR70.8
million (H1 2011: EUR74.9 million), whilst consolidated net income after taxes
was up 15.8%, to EUR65.3 million (H1 2011: EUR56.4 million). 

DVB reported a 10.0% increase in total assets to EUR24.2 billion on the
reporting date of 30 June 2012 (31 Dec 2011: EUR22.0 billion). The nominal
volume of customer lending (the aggregate of loans and advances to customers,
guarantees and indemnities, irrevocable loan commitments, and derivatives)
increased by 4.6%, to EUR22.7 billion. In US dollar terms, customer lending was
up by 1.4%, to US$28.5 billion. As at 30 June 2012, 96.0% of DVB's assets were
backed by long-term funding.

DVB's key financial indicators developed as follows:

Return on equity before taxes was 12.8% - down 1.6 percentage points (H1 2011:
14.4%). Accordingly, the cost/income ratio rose by 0.3 percentage points, to
48.6% (H1 2011: 48.3%).

Calculated in accordance with Basel II, DVB's tier 1 ratio declined slightly, to
18.8% (31 December 2011: 19.7%), due to the stronger US dollar exchange rate.
Reflecting the issue of subordinated funds, the total capital ratio in
accordance with Basel II increased to 22.3% (31 December 2011: 21.8%).

You can find a video commentary on the six-month results by Wolfgang F. Driese,
CEO and Chairman of the Board of Managing Directors of DVB Bank SE, on our
website: www.dvbbank.com

Note to editors:
DVB Bank SE, headquartered in Frankfurt/Main, Germany, is the leading specialist
in the international Transport Finance business. The Bank offers integrated
financing solutions and advisory services in respect of Shipping Finance,
Aviation Finance, and Land Transport Finance. DVB is present at key
international financial centres and transport hubs: at its Frankfurt/Main head
office, as well as various European locations (Athens, Bergen, Hamburg, London,
Oslo, Rotterdam and Zurich), plus offices in the Americas (New York City and
Curaçao) and in Asia (Singapore and Tokyo). DVB Bank SE is listed at the
Frankfurt Stock Exchange (ISIN: DE0008045501). www.dvbbank.com

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Further inquiry note:
Elisabeth Winter
Head of Investor Relations
Tel: +49 (0)69-97504-329
E-Mail:  elisabeth.winter@dvbbank.com

end of announcement                               euro adhoc 
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company:     DVB Bank SE
             Platz der Republik 6
             D-60325 Frankfurt am Main
phone:       +49 (0)69 9750-40
FAX:         +49 (0)69 9750-4444
mail:         info@dvbbank.com
WWW:         http://www.dvbbank.com
sector:      Banking
ISIN:        DE0008045501
indexes:     
stockmarkets: free trade: Düsseldorf, Stuttgart, regulated dealing/general
             standard: Frankfurt 
language:   English

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