{"text_format":"1","workbook":"xlsx","n_sheets":24,"sheets":["Contents","Glossary","Reconciliation_income statement","Currency","Financial position","Income statement","Segment overview","Segment comparison","RBI Overview","Country Overview","CE-CZ","CE-HU","CE-PL","CE-SK","SEE-AL","SEE-BG","SEE-BH","SEE-HR","SEE-KO","SEE-RS","SEE-RO","EE-BY","EE-RU","EE-UA"],"not_rendered":{"charts":0,"images":6,"macros":1,"external_links":28,"defined_names":2421,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Contents","index":0,"n_rows":39,"n_cols":5,"rows_kept":39,"cut":false,"hidden":false,"merged":[[6,1,6,4],[7,1,7,4],[38,2,38,4],[36,2,36,4]]}
[]
[]
[]
[]
[]
[]
[null,"Key Financial Data"]
[null,"31/12/2017 (4Q 2017)"]
[]
[null,null,"Worksheet","Name","Pages"]
[]
[null,null,"Glossary","Glossary",1]
[null,null,"Reconciliation income statement","Reconciliation_income statement",1]
[null,null,"Currency","Currency",1]
[null,null,"Statement of financial position","Financial position",1]
[null,null,"Income statement","Income statement",1]
[null,null,"Segment Overview","Segment overview",1]
[null,null,"Segment comparison","Segment comparison",3]
[null,null,"RBI Overview","RBI Overview",1]
[null,null,"Country and Segment Overview","Country Overview",1]
[null,null,"Czech Republic","CE-CZ",1]
[null,null,"Hungary","CE-HU",1]
[null,null,"Poland","CE-PL",1]
[null,null,"Slovakia","CE-SK",1]
[null,null,"Albania","SEE-AL",1]
[null,null,"Bosnia and Herzegovina","SEE-BH",1]
[null,null,"Bulgaria","SEE-BG",1]
[null,null,"Croatia","SEE-HR",1]
[null,null,"Kosovo","SEE-KO",1]
[null,null,"Romania","SEE-RO",1]
[null,null,"Serbia","SEE-RS",1]
[null,null,"Belarus","EE-BY",1]
[null,null,"Russia","EE-RU",1]
[null,null,"Ukraine","EE-UA",1]
[null,null,null,null,25]
[]
[null,null,"Figures could be slightly different from financial report and presentation due to roundings"]
[]
[null,null,"RBI to align financial reporting with EBA financial reporting framework (FINREP) from 1 January 2018\nNo impact on historical consolidated profit, balance sheet total, equity or capital ratios\nIn parallel, IFRS 9 to be adopted in place of IAS 39 from 1 January 2018"]

{"sheet":"Glossary","index":1,"n_rows":25,"n_cols":2,"rows_kept":25,"cut":false,"hidden":false,"merged":[]}
["Glossary"]
[]
[]
[]
["Cost/income ratio","General administrative expenses in relation to operating income"]
[]
["Interest-bearing assets ","Total assets less investments in subsidiaries, joint ventures and associates, intangible fixed assets, tangible fixed assets, tax assets,\nnon-current assets and disposal groups classified as held for sale and other assets"]
[]
["Loan/deposit ratio ","Loans to non-financial corporations and households in relation to deposits from non-financial corporations and households"]
[]
["Net interest margin\n(average interest bearing assets) ","Net interest income in relation to average interest-bearing assets"]
[]
["NPE coverage ratio ","Individual impairment losses on loans and advances to customers and banks in relation to non-performing exposure to customers and banks"]
[]
["NPE ratio ","Non-performing exposure in relation to total loans"]
[]
["NPL coverage ratio ","Impairment losses on loans to customers in relation to non-performing loans to customers"]
[]
["NPL ratio ","Non-performing loans in relation to total loans to customers"]
[]
["Operating income ","Comprises net interest income, dividend income, net fee and commission income, net trading income and fair value result, net gains/losses\nfrom hedge accounting and other net operating income"]
[]
["Operating result ","Consists of operating income less general administrative expenses"]
[]
["Provisioning ratio ","Impairment loss on financial assets in relation to average loans to customers (categories: financial assets measured at amortized cost and \nfinancial assets at fair value through other comprehensive income)"]

{"sheet":"Reconciliation_income statement","index":2,"n_rows":40,"n_cols":8,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
[null,"Income statement reconciliation"]
[]
[]
[null,"NEW income statement (EUR mn)","FY 2017",null,"OLD income statement (EUR mn)","FY 2017",null,"Change"]
[null,"Net interest income",3224.8366607840003,null,"Net interest income",3207.7179923160002,null,17.118668468000124]
[null,"Dividend income",35.109036306,null,null,null,null,35.109036306]
[null,"Net fee and commision income",1717.822897771001,null,"Net fee and commission income ",1718.8715551150001,null,-1.0486573439991389]
[null,"Net trading income and fair value result",36.521478858999984,null,"Net trading income",244.35028523400001,null,-207.82880637500003]
[null,"Net gains/losses from hedge accounting",-15.529512624000001,null,null,null,null,-15.529512624000001]
[null,"Other net operating income ",99.637435432000004,null,"Recurring other net operating income",56.629547522999999,null,43.007887909000004]
[null,"Operating income",5098.3979965280014,null,"Operating income",5227.5693801879997,null,-129.17138365999836]
[null,"Staff expenses",-1553.8120290739998,null,"Staff expenses",-1553.7998002149998,null,-1.2228859000060766E-2]
[null,"Other administrative expenses",-1157.498718504,null,"Other administrative expenses",-1222.036865518,null,64.53814701400006]
[null,"Depreciation",-299.888604939,null,"Depreciation  ",-328.37626524299992,null,28.487660303999917]
[null,"General administrative expenses",-3011.1993525170001,null,"General administrative expenses",-3104.2129309759998,null,93.013578458999746]
[null,"Operating result",2087.1986440110013,null,"Operating result",2123.3564492119999,null,-36.15780520099861]
[null,"Other results",0.34487559599999384,null,"Other results",-224.394596385,null,224.73947198099998]
[null,"Levies and expenses from special governmental measures",-163.34952186800001,null,null,null,null,-163.34952186800001]
[null,"Impairment losses on financial assets",-312.13078560700001,null,"Net provisioning for impairment losses",-286.89864177300001,null,-25.232143833999999]
[null,"Profit/loss before tax",1612.063212132,null,"Profit/loss before tax",1612.0632110539962,null,1.0780038337543374E-6]
[null,"Income taxes",-366.05422259300002,null,"Income taxes  ",-366.05422159300002,null,-9.9999999747524271E-7]
[null,"Profit/loss after tax",1246.0089895390029,null,"Profit/loss after tax",1246.0089894609989,null,7.8003949965932406E-8]
[null,"Profit attributable to non-controlling interests",-129.952782517,null,"Profit attributable to non-controlling interests",-129.95278251299999,null,-4.0000145418161992E-9]
[null,"Consolidated profit/loss",1116.0562070220001,null,"Consolidated profit/loss",1116.056206947999,null,7.4001036409754306E-8]
[]
[]
[null,"Main changes"]
[]
[null,"Operating income:"]
[null,"Net interest income now includes all interest received (paid) from trading book assets (liabilities), including derivatives"]
[null,"Dividend income is reported separately and current income from associates (valued at equity) appears in other results"]
[null,"Net trading income now includes valuation results from macro hedging positions but excludes net interest income from trading positions "]
[null,"General administrative expenses:"]
[null,"Resolution fund contribution removed from other administrative expenses and reported in levies and expenses from special governmental measures"]
[null,"Impairment of non-financial assets removed from depreciation and reported in other results"]
[null,"Other results: "]
[null,"Now includes current income from associates and impairment of non-financial assets "]
[null,"Bank levies and governmental measures are removed from other results and now reported separately"]
[null,"Impairment losses on financial assets: "]
[null,"Will be in line with EBA definition and include impairments for loans, advances and bonds"]

{"sheet":"Currency","index":3,"n_rows":41,"n_cols":7,"rows_kept":41,"cut":false,"hidden":false,"merged":[]}
["Currency development"]
[]
[]
["Rates in units per € - as of","31/3/2017","30/6/2017","30/9/2017","31/12/2017","YTD Re-/\nDevaluation","QoQ Re-/\nDevaluation"]
["ALL",136.09,132.37,133.68,132.97999999999999,1.8198225297037185E-2,5.263949466085327E-3]
["BAM",1.95583,1.95583,1.95583,1.95583,0,0]
["BGN",1.95583,1.95583,1.95583,1.95583,0,0]
["BYN",2.0028999999999999,2.2117,2.3142,2.3639999999999999,-0.12504230118443316,-2.1065989847715683E-2]
["CHF",1.0696000000000001,1.093,1.1456999999999999,1.1701999999999999,-8.2293625021363725E-2,-2.0936592035549428E-2]
["CZK",27.03,26.196999999999999,25.981000000000002,25.535,5.8194634814959789E-2,1.7466222831407974E-2]
["HRK",7.4465000000000003,7.4103000000000003,7.4950000000000001,7.44,1.6088709677419377E-2,7.3924731182795078E-3]
["HUF",307.62,308.97000000000003,310.67,310.33,-1.6111880900976372E-3,1.0956079012665043E-3]
["KZT","–","–","–","–","–","–"]
["PLN",4.2264999999999997,4.2259000000000002,4.3041999999999998,4.1769999999999996,5.5853483361264278E-2,3.0452477854919779E-2]
["RON",4.5525000000000002,4.5522999999999998,4.5993000000000004,4.6585000000000001,-2.5652033916496841E-2,-1.2707953203820899E-2]
["RSD",123.78,120.41,119.05,118.44,4.1962174940898267E-2,5.1502870651807253E-3]
["RUB",60.313000000000002,67.544899999999998,68.251900000000006,69.391999999999996,-7.3380216739681758E-2,-1.6429847821074373E-2]
["SGD",1.494,1.571,1.6031,1.6024,-4.930104842735894E-2,4.3684473290062087E-4]
["TRY","–","–","–","–","–","–"]
["UAH",28.845199999999998,29.716899999999999,31.3888,33.727200000000003,-0.15205234943902857,-6.9332764059868657E-2]
["USD",1.0690999999999999,1.1412,1.1806000000000001,1.1993,-0.12107062453097639,-1.5592428916868073E-2]
[]
[]
["Rates in units per € - average","1/1-31/3/2017","1/1-30/6/2017","1/1-30/9/2017","1/1-31/12/2017","YoY Re-/\nDevaluation","QoQ Re-/\nDevaluation"]
["ALL",135.72,134.90428571428572,134.42700000000002,134.1723076923077,2.3305279090033437E-2,1.8982479475302405E-3]
["BAM",1.95583,1.9558300000000002,1.95583,1.9558299999999997,0,0]
["BGN",1.95583,1.9558300000000002,1.95583,1.9558299999999997,0,0]
["BYN",2.0257000000000001,2.0652857142857144,2.1341600000000001,2.1835692307692307,1.2400304371105175E-3,-2.2627737226277311E-2]
["CHF",1.068775,1.0772571428571429,1.0967,1.1130230769230769,-2.0429460996731041E-2,-1.4665533232430028E-2]
["CZK",27.023250000000001,26.804857142857145,26.579500000000003,26.345384615384617,2.6397851032146757E-2,8.88639084352838E-3]
["HRK",7.4804250000000003,7.4584999999999999,7.4530300000000009,7.4652153846153846,1.056592730592576E-2,-1.6322884186966702E-3]
["HUF",309.08500000000004,309.27000000000004,308.68100000000004,309.35000000000002,9.2849771854135454E-3,-2.1625989978987237E-3]
["KZT","–","–","–","–","–","–"]
["PLN",4.3188750000000002,4.2707142857142859,4.2706700000000009,4.2556307692307698,2.5911371721086152E-2,3.5339604361281918E-3]
["RON",4.5286749999999998,4.5381857142857145,4.5517999999999992,4.5711153846153838,-1.6506659711061689E-2,-4.2255298740419001E-3]
["RSD",123.75999999999999,122.97999999999999,121.90299999999999,121.24,1.4268900845113341E-2,5.4684922467831409E-3]
["RUB",62.699550000000002,63.450685714285719,65.199449999999999,66.03494615384615,0.11873526639682486,-1.2652333385714254E-2]
["SGD",1.50515,1.5241714285714285,1.54735,1.5585,-2.1119913131462775E-2,-7.1543150465190886E-3]
["TRY","–","–","–","–","–","–"]
["UAH",28.842374999999997,29.083314285714287,29.573430000000002,30.215323076923077,-6.6222736706184837E-2,-2.1243958745333469E-2]
["USD",1.0646,1.0878142857142856,1.1150499999999999,1.130653846153846,-2.5295098139265892E-2,-1.3800727965438631E-2]

{"sheet":"Financial position","index":4,"n_rows":63,"n_cols":5,"rows_kept":63,"cut":false,"hidden":false,"merged":[[0,0,0,1]]}
["Statement of financial position"]
[]
[]
[]
["Assets\n€ million","31/12\n2017","30/9\n2017","30/6\n2017","31/3\n2017"]
[]
["Cash, cash balances at central banks and other demand deposits",16905.454841767001,21583.533333668998,23836.704055187998,22567.641559539003]
["Financial assets - amortized cost",96307.387341296999,96209.176699179981,92156.99941649806,92318.095192403925]
["Financial assets - fair value through other comprehensive income",6690.7852807380004,5542.8345446919993,5651.2212550220002,4994.5089634740007]
["Financial assets - designated fair value through profit/loss",5268.6882437240001,6223.7956140089991,6332.8284500070004,7465.543802176001]
["Financial assets - held for trading",4622.0361727829986,5182.0848340399998,5319.6622855629994,5630.5922474770005]
["Derivatives – hedge accounting",596.56308285,600.882919152,548.25914773199997,615.42308168500006]
["Investments in subsidiaries, joint ventures and associates",923.25913736199993,944.60181663900005,948.185906015,1044.729507066]
["Tangible fixed assets",1539.8427620980001,1612.7724511449999,1781.8488308789999,1837.1419080980002]
["Intangible fixed assets",720.93519061799998,662.79950596000003,664.69067777199996,665.36854378299995]
["Current tax assets",189.204108002,161.28716626100001,176.526034095,155.40738117199999]
["Deferred tax assets",114.31324473700001,107.919213176,110.092121123,181.962218135]
["Other assets",1267.8697850229998,1131.1711401589989,1075.524257100999,1012.8622175369991]
["Total assets",135146.33919099905,139962.85923808202,138602.54243699499,138489.27662286602]
[]
[]
[]
[]
["Liabilities and equity\n€ million","31/12\n2017","30/9\n2017","30/6\n2017","31/3\n2017"]
[]
["Financial liabilities - amortized cost",114794.11098280398,119415.62853449894,118604.642187932,118226.439789275]
["Financial liabilities - designated  fair value through profit/loss",2508.6215520000001,2587.0394179999998,2718.0011380000001,2870.009262]
["Financial liabilities held for trading",4414.4773225360004,4806.743124358999,4966.4590729560005,5171.5074019169988]
["Derivatives – hedge accounting",264.586983799,297.09282397600003,314.18120949299998,336.07958444399992]
["Provisions for liabilities and charges",872.41951643499999,813.77650875500001,807.37777527000003,903.12320549800006]
["Current tax liabilities",74.678481617000003,65.297383178999993,58.915908537,60.916654373999997]
["Deferred tax liabilities",63.314540610999998,74.77637969300001,77.584102174999998,81.376680172000007]
["Other liabilities",912.78022720299987,847.88987092399998,821.68404034800005,772.52150644599999]
["Equity",11241.349580653005,11054.615134243999,10233.696999937994,10067.30253962196]
["   Consolidated equity",8820.9462961140052,8862.2145883180037,8969.0945347769994,9152.8742910229612]
["   Consolidated profit/loss",1116.056207022001,909.77388669499692,587.42975422199595,220.24755089600001]
["Non-controlling interests",659.73201951699991,637.30611223099993,677.17271093900001,694.18069770299996]
["Additional tier 1 capital (AT1)",644.61505799999998,645.32054700000003,0,0]
["Total liabilities and equity",135146.339191159,139962.85917651196,138602.54243805495,138489.27662426498]
[]
[]
[]
[]
[]
[]
[]
[]
["Assets\n€ million","31/12\n2017","30/9\n2017","30/6\n2017","31/3\n2017"]
["Loans to banks",10741.221628394,11529.094685135,7363.7767892930005,7442.4913760220006]
["Loans to customers",77745.025178469019,76648.051339443002,76383.999760511011,76676.308853215]
["Securities",21966.589716562001,22164.824276963001,22579.440295864002,23013.843431633006]
["Cash and other assets",24693.502667574005,29620.888936541,32275.325591326993,31356.632961676001]
["Total assets",135146.33919099905,139962.85923808196,138602.54243699499,138489.27662286602]
[]
[]
[]
[]
["Liabilities and equity\n€ million","31/12\n2017","30/9\n2017","30/6\n2017","31/3\n2017"]
["Deposits from banks",22377.820808738001,27499.250500977992,27862.771129735997,27385.935571306989]
["Deposits from customers",84974.115764649003,83891.777416441008,81724.742956984977,81511.463044581003]
["Debt issued and other liabilities",16553.053033617998,17517.216125966002,18781.331347990003,19524.575468237996]
["Equity",11241.349580653005,11054.615134243999,10233.696999937994,10067.30253962196]
["Total liabilities and equity",135146.339191159,139962.85917651196,138602.54243805498,138489.27662426495]

{"sheet":"Income statement","index":5,"n_rows":33,"n_cols":6,"rows_kept":33,"cut":false,"hidden":false,"merged":[[3,2,3,5]]}
["Income statement"]
[]
[]
[]
[" \n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",3224.8366607840003,817.59366598300085,813.77868509699942,796.50892809399897,796.95538161000104]
["Dividend income",35.109036306,5.3572859410000007,6.4511002370000021,17.991418011999997,5.3092321160000004]
["Net fee and commission income",1717.822897771001,446.44302172500102,428.69081629000084,433.30629974499914,409.38276001099996]
["Net trading and fair value result",36.521478858999984,9.9196229060000007,-0.77791857899998718,25.590906765,1.7888677669999709]
["Net gains/losses from hedge accounting",-15.529512624000001,-22.554752627999999,3.0306726249999993,2.4271007510000002,1.567466628]
["Other net operating income ",99.637435432000004,20.793004017999991,19.066679844000006,21.665488191000001,38.112263379000005]
["Operating income",5098.3979965280014,1277.551847945002,1270.2400355140007,1297.4901415579975,1253.1159715110011]
["Staff expenses",-1553.8120290739998,-408.75154730299982,-365.31604817899995,-391.51928694600002,-388.22514664600004]
["Other administrative expenses",-1157.498718504,-314.87090486399995,-270.60883440700002,-291.56237020999998,-280.456609023]
["Depreciation",-299.888604939,-74.726581369000002,-74.081433680000004,-74.764229442000001,-76.316360447999998]
["General administrative expenses",-3011.1993525170001,-798.34903353600021,-710.00631626599989,-757.84588659800011,-744.99811611699988]
["Operating result",2087.1986440110013,479.2028144090018,560.23371924800085,539.6442549599974,508.11785539400125]
["Other results",0.34487559599999384,-30.974571829000006,-1.154166735000004,1.3636934570000037,31.109920703]
["Levies and special governmental measures",-163.34952186800001,-16.546262687000024,-15.65732719799999,-11.609472584000002,-119.53645939899999]
["Impairment losses on financial assets ",-312.13078560700001,-120.811857409,-90.960962436000017,-10.382020197000003,-89.975945564999989]
["Profit/loss before tax ",1612.063212132,310.87012248400083,452.46126287900017,519.01645563599891,329.71537113300002]
["Income taxes",-366.05422259300002,-76.531389939000007,-96.67554173900001,-118.196792505,-74.650498409999997]
["Profit/loss after tax ",1246.008989539001,234.33873254499997,355.78572114000406,400.81966352099607,255.06487233300098]
["Profit attributable to non-controlling interests",-129.952782517,-28.056412218000006,-33.441588667000005,-33.637460194999996,-34.817321436999997]
["Consolidated profit/loss",1116.0562070220001,206.28232032699907,322.34413247300199,367.18220332599901,220.24755089600001]
[]
[]
[]
[null,"1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Cost/income ratio",0.59061676914348771,0.62490538823937436,0.55895444673076755,0.58408604607044956,0.59451649572280663]
["Provisioning ratio",4.0638427282678928E-3,6.2537906669820845E-3,4.764519929807619E-3,5.4275876309949848E-4,4.6948693677822655E-3]
["Return on equity before tax",0.16192715646517444,0.1224240309564342,0.20979880987865546,0.21329459912880686,0.13444535751741585]
["Earnings per share",3.3379047505999027,0.59729886331811866,0.9518686553606821,1.117728002761881,0.6706080113188565]

{"sheet":"Segment overview","index":6,"n_rows":63,"n_cols":8,"rows_kept":63,"cut":false,"hidden":false,"merged":[[1,0,1,2]]}
["Segment overview"]
[]
["1/1-31/12/2017\n€ million","Central \nEurope","Southeastern \nEurope","Eastern \nEurope","Group Corporates & Markets","Corporate \nCenter","Reconciliation","Total"]
["Net interest income",950.21008163699992,731.40250485499996,982.32776104300001,607.00981162200003,-22.795535000000001,-23.317963372998637,3224.8366607840017]
["Dividend income",4.8617693279999994,5.2473288679999994,3.4603345500000002,18.944666000000002,1093.2313219999999,-1090.63638444,35.109036306]
["Net fee and commission income",556.62285272500014,401.38615737699996,461.94213402700007,307.86850344700002,-8.4181939999999997,-1.5785558049993125,1717.822897771001]
["Net trading and fair value result",50.135414492999992,21.497743251000003,53.421359444000018,61.474356749000002,-126.14418499999999,-23.863210078000016,36.521478858999998]
["Net gains/losses from hedge accounting",2.5052452669999998,0.15904062299999999,-20.109446594999998,-0.57407200000000003,5.5950069999999998,-3.1052869190000023,-15.529512623999999]
["Other net operating income ",6.2291606630000063,29.503826639999996,-12.930679809000003,103.18447120400002,101.538426,-127.88776926599998,99.637435432000046]
["Operating income",1570.5645241130001,1189.1966016139997,1468.1114626599999,1097.907737022,1043.0068410000001,-1270.3891698809973,5098.3979965280023]
["General administrative expenses",-886.86634063400004,-677.87653944700003,-600.39959975499994,-648.03293718299994,-320.45507535900003,122.43113986100047,-3011.1993525169996]
["Operating result",683.69818347900014,511.32006216699978,867.71186290499998,449.87479983899999,722.55176564099997,-1147.9580300199971,2087.1986440110031]
["Other results",-3.5402374839999995,-1.2405557509999998,-0.6594072740000001,-35.912311301999992,-42.263039073000009,83.960426479999981,0.3448755959999894]
["Levies and special governmental measures",-90.832287148999995,6.2823202809999987,0,-20.740872000000003,-58.058683000000002,0,-163.34952186799998]
["Impairment losses on financial assets ",-59.448944807999993,-112.50408785899999,5.266620295000001,-136.01396255699999,-2.6810130000000001,-6.7493976780000446,-312.13078560700001]
["Profit/loss before tax ",529.87671403799993,403.85773883799999,872.31907592599998,257.20765397999998,619.54903056799992,-1070.7470012180017,1612.0632121319979]
["Income taxes",-111.01538400299999,-57.493783060999995,-183.76743185399999,-48.044129174999995,34.266505500000001,0,-366.05422259299996]
["Profit/loss after tax ",418.86133003500004,346.363955777,688.55164407200004,209.16352480499998,653.81553606800003,-1070.7470012179992,1246.0089895390008]
["Profit/loss after deduction of non-controlling interests",-56.226175169000001,-1.5454780989999999,-64.415440708000006,-6.2970551070000003,-6.7736760000000002E-3,-1.4618597580000059,-129.952782517]
["Consolidated profit/loss",362.63515486600005,344.81847767800002,624.13620336400004,202.866469698,653.80876239200006,-1072.2088609759992,1116.056207022001]
[]
["Return on equity before tax",0.1731032470470803,0.19319896750350296,0.51239441241850936,8.8982866039676048E-2,"–","–",0.16192715646517444]
["Return on equity after tax",0.13683608728348462,0.16569487761201204,0.40445064749660703,7.2363176324063652E-2,"–","–",0.12515805286664206]
["Net interest margin (average interest-bearing assets)",2.1251274391424602E-2,3.4442538425776069E-2,6.682137429537427E-2,1.465497165657579E-2,"–","–",2.4782502505260165E-2]
["Cost/income ratio",0.56467997781553803,0.57002899144428543,0.40896050131450173,0.59024352896969756,"–","–",0.59061676914348771]
["Loan/deposit ratio",0.89729905473662874,0.73082400286089322,0.86523922203947567,1.4291506852584035,"–","–",0.95502861074553635]
["Provisioning ratio",2.0201011729007773E-3,8.8942452764463418E-3,-5.3282492416784121E-4,5.3029709823538274E-3,"–","–",4.0638427282678928E-3]
["NPL ratio",4.9699134081716577E-2,7.5453235572858476E-2,6.3611072325054516E-2,4.9189247655190942E-2,"–","–",5.6767818187604999E-2]
["NPL coverage ratio",0.67715249645119491,0.80996130859507776,0.78632780344560582,0.48186506983379168,"–","–",0.6704034134423299]
[]
["Assets",46814.007408793994,23709.789049505995,15579.468826512006,41434.635695709992,28481.462635668999,-20873.024425191947,135146.33919099902]
["Liabilities",42255.02143718303,20651.696562130979,13299.830193073007,40364.85733517402,21650.119834360008,-14316.535754916049,123904.98960700499]
["Risk-weighted assets (total RWA)",24807.401302628386,14484.972381498597,11246.674987136405,20153.647507833932,13883.738443029091,-12674.263313800253,71902.171308326157]
["Average equity",3061.0443367124421,2090.3721333017866,1702.4367455309296,2890.7957968594155,2129.0276411707418,-1918.1926801337966,9955.4839734415182]
["Loans to customers",30281.145707307998,13064.194763146003,10030.721795484998,25343.243431378003,1161.859328,-2139.5779528479725,77741.587072469032]
["Deposits from customers",35606.412872405002,18275.469210477,11730.759688214999,21833.974772999998,497.75066000000004,-2970.251439447999,84974.115764649003]
[]
["Business outlets",631,978,775,25,0,"–",2409]
["Employees as at reporting date (full-time equivalents)",13069,14792,18132,2680,1027,"–",49700]
["Customers in million",3.3915600000000001,5.3688880000000001,5.7339099999999998,2.018084,4.6700000000000002E-4,"–",16.512909000000001]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Net Interest Margin (avg. interest bearing assets)","Central \nEurope","Southeastern \nEurope","Eastern \nEurope","Group Corporates & Markets","Corporate \nCenter","Reconciliation","Total"]
["Quarter 1 2017",2.1333287331074684E-2,3.4352363006550174E-2,6.3093592032430118E-2,1.5619362564803672E-2,"–","–",2.4388590486765595E-2]
["Quarter 2 2017",2.0611001757034588E-2,3.4880848069332934E-2,6.6402958503420914E-2,1.1409753636741725E-2,"–","–",2.4369994837196086E-2]
["Quarter 1-2 2017",2.0861541960540787E-2,3.468107037501144E-2,6.5826640132541414E-2,1.3563537431126916E-2,"–","–",2.4378469320265127E-2]
["Quarter 3 2017",2.1896052924863275E-2,3.4482967206731142E-2,6.6011724196705715E-2,1.2359464437367832E-2,"–","–",2.4682548562942008E-2]
["Quarter 1-3 2017",2.1215251913712884E-2,3.4546020795121021E-2,6.5951758129536783E-2,1.3226467169179055E-2,"–","–",2.4456911503011436E-2]
["Quarter 4 2017",2.1500966946449065E-2,3.4599616813324748E-2,6.9663324966462312E-2,1.8775620288182509E-2,"–","–",2.5518462193119578E-2]
["Financial Year  2017 ",2.1251274391424602E-2,3.4442538425776069E-2,6.682137429537427E-2,1.465497165657579E-2,"–","–",2.4782502505260165E-2]

{"sheet":"Segment comparison","index":7,"n_rows":206,"n_cols":6,"rows_kept":206,"cut":false,"hidden":false,"merged":[]}
["Segment comparison"]
[]
["Central Europe (CE)"]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",950.21008163699992,242.16756608400004,245.18988956899989,228.64695968900003,234.20566629500001]
["Dividends income",4.8617693279999994,0.1279807839999994,0.18187306100000022,3.5818008549999996,0.97011462800000003]
["Net fee and commission income",556.62285272500014,145.61121307300013,136.55334947999998,139.554259648,134.90403052400001]
["Net trading and fair value result",50.135414492999992,12.070890933000003,9.9782974559999857,16.977308652000008,11.108917451999995]
["Gains/losses from hedge accounting",2.5052452669999998,5.5676950000000031E-2,0.66911094999999976,-5.4759211000000051E-2,1.835216578]
["Other operating income and expenses",6.2291606630000063,-12.831423937000007,7.0958589620000199,10.394515212999995,1.5702104249999982]
["Operating income",1570.5645241130001,387.20190388700041,399.66837947799974,399.10008484600002,384.59415590199995]
["General administrative expenses",-886.86634063400004,-235.10227813400013,-216.0969943609999,-210.62948339399995,-225.03758474500003]
["Operating result",683.69818347900014,152.09962575300025,183.57138511699986,188.47060145200007,159.55657115699995]
["Other results",-3.5402374839999995,-4.246835731,3.4914055020000001,0.1816024980000002,-2.9664097529999998]
["Governmental and regulatory expenses",-90.832287148999995,-13.002686130999995,-11.631430627000009,-11.773159258,-54.425011132999991]
["Net impairment loss on financial assets not measured at fair value through profit/loss",-59.448944807999993,-10.632755487999988,-43.938528688000005,6.4740319490000005,-11.351692581000002]
["Profit/loss before tax ",529.87671403799993,124.21734840299999,131.49283130400005,183.35307664099994,90.813457689999993]
["Income taxes",-111.01538400299999,-42.567994068999994,-27.857840835000012,-28.451297322999995,-12.138251776000001]
["Profit/loss after tax ",418.86133003500004,81.649354334000094,103.63499046899996,154.90177931800002,78.675205914000003]
["Profit/loss after deduction of non-controlling interests",-56.226175169000001,-10.803375870332681,-16.309638269069474,-17.0429864657909,-12.070174563806949]
["Consolidated profit/loss",362.63515486600005,70.84597846366745,87.325352199930464,137.85879285220909,66.605031350193045]
[]
["Return on equity before tax",0.1731032470470803,0.16871136213871765,0.19298913488484828,0.28945487080609572,0.14850851074194485]
["Return on equity after tax",0.13683608728348462,0.11089573208698526,0.15210279491926032,0.24453629877799812,0.12866208740338542]
["Net interest margin (average interest-bearing assets)",2.1251274391424602E-2,2.1500966946449065E-2,2.1896052924863275E-2,2.0611001757034588E-2,2.1333287331074681E-2]
["Cost/income ratio",0.56467997781553803,0.60718265012098582,0.54069074627129776,0.52776105892153635,0.58513001638626772]
["Loan/deposit ratio",0.89729905473662874,0.89729905473662874,0.93888381991843439,0.92476244406279429,0.93133623744869665]
["Provisioning ratio",2.0201011729007773E-3,1.4135645035961127E-3,5.9110547282930116E-3,-8.8893828867342547E-4,1.5818491107357686E-3]
["NPL ratio",4.9699134081716577E-2,4.9699134081716577E-2,5.1843529541568345E-2,5.5629326763710324E-2,6.1662858355392758E-2]
["NPL coverage ratio",0.67715249645119491,0.67715249645119491,0.67413893838474725,0.63857137439010092,0.65723877751097781]
[]
["Assets",46814.007408793994,46814.007408793994,46128.127368622991,46331.681847856991,45416.817136499987]
["Liabilities",42255.02143718303,42255.02143718303,41662.937462198046,41897.092077155001,41050.808619443967]
["Risk-weighted assets (total RWA)",24807.401302628386,24807.401302628386,22096.210749878737,22046.254681344537,21263.515253361755]
["Average equity",3061.0443367124421,3061.0443367124421,2829.1267510589246,2621.6601588863837,2445.9483752765495]
["Loans to customers",30281.145707307998,30281.145707307998,29918.728998742001,29568.823884842001,28715.551631901002]
["Deposits from customers",35606.412872405002,35606.412872405002,34153.919753830996,33990.662344822005,33124.193757483001]
[]
["Business outlets",631,631,628,634,698]
["Employees as at reporting date (full-time equivalents)",13069,13069,13105,13264,13590]
["Customers in million",3.3915600000000001,3.3915600000000001,3.3947409999999998,3.3737309999999998,3.4391639999999999]
[]
["Southeastern Europe (SEE)"]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",731.40250485499996,185.67625985300006,181.48515754599993,183.16963540599997,181.07145205000003]
["Dividends income",5.2473288679999994,-0.3266490550000008,0.63743325500000081,4.9173741799999995,1.9170488000000003E-2]
["Net fee and commission income",401.38615737699996,103.63938656899997,105.53524631800002,100.42268628299998,91.788838207000012]
["Net trading and fair value result",21.497743251000003,0.16006004100000062,5.6033890490000049,5.610438702999998,10.123855458]
["Gains/losses from hedge accounting",0.15904062299999999,1.7418440000000004E-2,1.3390850999999969E-2,-1.2944840000000113E-3,0.12952581600000002]
["Other operating income and expenses",29.503826639999996,5.9248928599999999,4.1151684399999979,9.7233811789999969,9.7403841610000015]
["Operating income",1189.1966016139997,295.09136870799995,297.38978545899982,303.84222126700001,292.87322618000007]
["General administrative expenses",-677.87653944700003,-182.79906371099997,-167.33187486200006,-163.04085991600002,-164.70474095799997]
["Operating result",511.32006216699978,112.29230499699997,130.05791059699976,140.801361351,128.16848522200007]
["Other results",-1.2405557509999998,-1.3385798299999998,0.22987301600000001,-0.44396959100000005,0.312120654]
["Governmental and regulatory expenses",6.2823202809999987,0.45399686999999905,-0.21971299700000055,-0.68202632599999746,6.730062733999997]
["Net impairment loss on financial assets not measured at fair value through profit/loss",-112.50408785899999,-18.192794515999996,-25.743510975999989,-33.788411969000009,-34.779370397999998]
["Profit/loss before tax ",403.85773883799999,93.214927521000035,104.32455963999996,105.886953465,100.43129821199999]
["Income taxes",-57.493783060999995,-11.665333410999999,-13.455728200999994,-20.149710370000001,-12.223011078999999]
["Profit/loss after tax ",346.363955777,81.549594110000001,90.868831439000004,85.737243094999982,88.208287132999999]
["Profit/loss after deduction of non-controlling interests",-1.5454780989999999,-1.3444974305125057,-6.0852706606971341E-2,-7.1576510709555105E-2,-6.8551451170967947E-2]
["Consolidated profit/loss",344.81847767800002,80.205096679487497,90.807978732393039,85.66566658429042,88.139735681829038]
[]
["Return on equity before tax",0.19319896750350296,0.17652880362657988,0.194747743449567,0.19449753798238834,0.18229121428051615]
["Return on equity after tax",0.16569487761201204,0.15443711325493911,0.16962936357543801,0.15748571428270064,0.16010542746653175]
["Net interest margin (average interest-bearing assets)",3.4442538425776069E-2,3.4599616813324748E-2,3.4482967206731142E-2,3.4880848069332934E-2,3.4352363006550167E-2]
["Cost/income ratio",0.57002899144428543,0.61946597933836578,0.56266853484471668,0.53659711687247236,0.56237554762609931]
["Loan/deposit ratio",0.73082400286089322,0.73082400286089322,0.73647998672220871,0.73546858402459403,0.73407498238846924]
["Provisioning ratio",8.8942452764463418E-3,5.6285174471649973E-3,8.1265365015773909E-3,1.0826096543570907E-2,1.1201726327678376E-2]
["NPL ratio",7.5453235572858476E-2,7.5453235572858476E-2,9.4048869171473953E-2,0.10192958417531713,0.10533887523772584]
["NPL coverage ratio",0.80996130859507776,0.80996130859507776,0.7779539944440752,0.76651974183341864,0.79104241879423276]
[]
["Assets",23709.789049505995,23709.789049505995,22961.874571262997,22770.319122679008,22832.112646792004]
["Liabilities",20651.696562130979,20651.696562130979,19982.559227645015,19822.706768993979,19812.284840867022]
["Risk-weighted assets (total RWA)",14484.972381498597,14484.972381498597,14508.142993876372,14070.388805630022,14210.25231775986]
["Average equity",2090.3721333017866,2090.3721333017866,2133.9780055087472,2151.5474974664994,2203.7550764339699]
["Loans to customers",13064.194763146003,13064.194763146003,12798.155748625,12548.832224776001,12419.289449007001]
["Deposits from customers",18275.469210477,18275.469210477,17723.161062520001,17468.150745301002,17210.181153047004]
[]
["Business outlets",978,978,984,995,1008]
["Employees as at reporting date (full-time equivalents)",14792,14792,14809,14830,14854]
["Customers in million",5.3688880000000001,5.3688880000000001,5.3690170000000004,5.3711370000000001,5.415667]
[]
["Eastern Europe (EE)"]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",982.32776104300001,251.1197158280001,238.08243292099988,248.72148650000008,244.40412579399995]
["Dividends income",3.4603345500000002,-4.4573446999999759E-2,1.321722378,2.1831856190000001,0]
["Net fee and commission income",461.94213402700007,119.16640098700003,115.51127076200005,117.67828924199998,109.58617303599999]
["Net trading and fair value result",53.421359444000018,10.644606406000014,2.3695723919999945,21.634591224000012,18.772589421999996]
["Gains/losses from hedge accounting",-20.109446594999998,-20.109446594999998,6.0125177839999999,-2.9283532089999995,-3.0841645750000004]
["Other operating income and expenses",-12.930679809000003,-7.7373509820000024,-3.1266465399999999,-1.3575672240000003,-0.70911506300000005]
["Operating income",1468.1114626599999,353.0393521969998,360.17086969700011,385.93163215200002,368.96960861399998]
["General administrative expenses",-600.39959975499994,-156.91950293799997,-141.600655485,-149.74914991600002,-152.13029141600001]
["Operating result",867.71186290499998,196.11984925899992,218.57021421200008,236.182482236,216.83931719799997]
["Other results",-0.6594072740000001,-1.4596422010000001,0.18058121200000016,0.41310433799999985,0.20654937700000006]
["Governmental and regulatory expenses",0,0,0,0,0]
["Net impairment loss on financial assets not measured at fair value through profit/loss",5.266620295000001,-13.345400247000001,-1.8779195499999988,2.4094051510000027,18.080534941]
["Profit/loss before tax ",872.31907592599998,181.31480681099998,216.87287587400002,239.004991725,235.12640151600002]
["Income taxes",-183.76743185399999,-36.988238080000009,-47.113364374999975,-51.724113118000005,-47.941716280999998]
["Profit/loss after tax ",688.55164407200004,144.32656873100007,169.75951149899996,187.28087860700003,187.18468523500002]
["Profit/loss after deduction of non-controlling interests",-64.415440708000006,-15.247604832056618,-14.90356414110073,-14.828144653993549,-19.436127080849104]
["Consolidated profit/loss",624.13620336400004,129.07896389894344,154.85594735789923,172.45273395300651,167.74855815415091]
[]
["Return on equity before tax",0.51239441241850936,0.4200455493465553,0.49248229277036232,0.53536718800114091,0.52269926344045903]
["Return on equity after tax",0.40445064749660703,0.33435621675727695,0.38549566468922208,0.41950603886632987,0.41612212184731107]
["Net interest margin (average interest-bearing assets)",6.682137429537427E-2,6.9663324966462312E-2,6.6011724196705715E-2,6.6402958503420914E-2,6.3093592032430118E-2]
["Cost/income ratio",0.40896050131450173,0.44448161929109015,0.39314855086454925,0.38801989119415065,0.41231117106762066]
["Loan/deposit ratio",0.86523922203947567,0.86523922203947567,0.84800289322664313,0.82751406140284678,0.89448059952740344]
["Provisioning ratio",-5.3282492416784121E-4,5.473636318970531E-3,7.9646315606415918E-4,-9.8080316334871274E-4,-7.0460683031928597E-3]
["NPL ratio",6.3611072325054516E-2,6.3611072325054516E-2,9.5323696314093168E-2,0.11682136402648491,0.12378720329683648]
["NPL coverage ratio",0.78632780344560582,0.78632780344560582,0.81614874654547764,0.82973295699233085,0.85299739834390564]
[]
["Assets",15579.468826512006,15579.468826512006,15382.632698179998,15558.475944853004,16677.643815690997]
["Liabilities",13299.830193073007,13299.830193073007,13009.559809568991,13152.560906395007,13904.488997665001]
["Risk-weighted assets (total RWA)",11246.674987136405,11246.674987136405,11336.268213883217,11367.630067697371,12712.135129175851]
["Average equity",1702.4367455309296,1702.4367455309296,1750.804115362615,1772.1306827520411,1799.3245292321587]
["Loans to customers",10030.721795484998,10030.721795484998,9474.2646074259992,9388.3234302180008,10264.183747867999]
["Deposits from customers",11730.759688214999,11730.759688214999,11305.726607143999,11413.603305381999,11680.655279265002]
[]
["Business outlets",775,775,773,771,770]
["Employees as at reporting date (full-time equivalents)",18132,18132,17824,17767,17934]
["Customers in million",5.7339099999999998,5.7339099999999998,5.7305010000000003,5.6974530000000003,5.7169559999999997]
[]
["Group Corporates & Markets (GC&M)"]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",607.00981162200003,188.72657641400014,129.15344249399996,121.60912006399995,167.52067265000002]
["Dividends income",18.944666000000002,3.8713580000000003,1.0743170000000009,12.954086,1.044905]
["Net fee and commission income",307.86850344700002,72.895195577999957,75.001371797000033,83.878215117000011,76.093720954999995]
["Net trading and fair value result",61.474356749000002,37.241145103000001,-30.616877438999989,34.830845840999984,20.019243243999998]
["Gains/losses from hedge accounting",-0.57407200000000003,0.11659500000000003,0.93637499999999985,-5.640225,4.0131829999999997]
["Other operating income and expenses",103.18447120400002,35.636353668000027,21.722323102999979,36.213477200000007,9.6123172329999971]
["Operating income",1097.907737022,338.48722376299986,197.27095195500004,283.84551922199989,278.30404208200008]
["General administrative expenses",-648.03293718299994,-175.37499657999993,-152.01319767900003,-176.46110842899995,-144.18363449500001]
["Operating result",449.87479983899999,163.11222718299996,45.257754276000021,107.38441079299996,134.12040758700005]
["Other results",-35.912311301999992,-29.177986356999995,-3.7170306949999983,-11.883145250000002,8.865851000000001]
["Governmental and regulatory expenses",-20.740872000000003,-2.2690064260000034,-3.3128705740000006,1.6355529999999998,-16.794547999999999]
["Net impairment loss on financial assets not measured at fair value through profit/loss",-136.01396255699999,-138.22651513399998,36.267527466000004,28.504468701999997,-62.559443591000004]
["Profit/loss before tax ",257.20765397999998,-6.561280733999971,74.495380472999969,125.64128724500002,63.632266995999998]
["Income taxes",-48.044129174999995,0.33723987100000524,-9.9695370780000019,-37.565137763999999,-0.84669420400000006]
["Profit/loss after tax ",209.16352480499998,-6.224040863000031,64.525843395000038,88.076149870999984,62.785572402000007]
["Profit/loss after deduction of non-controlling interests",-6.2970551070000003,-8.6391483852112199,1.4937891994564998,-0.50023928998512046,1.3485433687398403]
["Consolidated profit/loss",202.866469698,-14.863189248211246,66.019632594456553,87.575910581014853,64.134115770739839]
[]
["Return on equity before tax",8.8982866039676048E-2,"–",0.10293070799210308,0.17412194351043406,8.7273493257841908E-2]
["Return on equity after tax",7.2363176324063652E-2,"–",8.916220788999521E-2,0.12216855970247509,8.6107284360227979E-2]
["Net interest margin (average interest-bearing assets)",1.465497165657579E-2,1.8775620288182509E-2,1.2359464437367832E-2,1.1409753636741725E-2,1.5619362564803672E-2]
["Cost/income ratio",0.59024352896969756,0.51811408014263194,0.77058074781165009,0.62168009173675565,0.51807955578495501]
["Loan/deposit ratio",1.4291506852584035,1.4291506852584035,1.4494830767708915,1.5380530549547813,1.4566050872686362]
["Provisioning ratio",5.3029709823538274E-3,2.1891487617472349E-2,-5.7250549338967423E-3,-4.4176380560312567E-3,9.5838171437202004E-3]
["NPL ratio",4.9189247655190942E-2,4.9189247655190942E-2,5.7231792620996001E-2,5.8216433930957164E-2,7.5259882163360381E-2]
["NPL coverage ratio",0.48186506983379168,0.48186506983379168,0.56148486293626265,0.63165102513921634,0.71832021191023843]
[]
["Assets",41434.635695709992,41434.635695709992,43351.029609945006,44434.44314973602,44891.539673333995]
["Liabilities",40364.85733517402,40364.85733517402,46416.002817202963,44546.934660639017,43603.206706733996]
["Risk-weighted assets (total RWA)",20153.647507833932,20153.647507833932,20208.775071053755,19961.03819107946,19953.088268158266]
["Average equity",2890.7957968594155,2890.7957968594155,2912.3176610525093,2880.3464659419774,2904.0910448628847]
["Loans to customers",25343.243431378003,25343.243431378003,25170.094921626998,25508.933153745002,26110.449585107996]
["Deposits from customers",21833.974772999998,21833.974772999998,23110.069930000001,22018.217321,21777.195392999998]
[]
["Business outlets",25,25,25,25,24]
["Employees as at reporting date (full-time equivalents)",2680,2680,2696,2675,2712]
["Customers in million",2.018084,2.018084,2.014875,2.0117259999999999,2.0030610000000002]
[]
["Corporate Center"]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",-22.795535000000001,6.936878000000001,8.9309419999999946,4.4289224470000041,-43.092277447000001]
["Dividends income",1093.2313219999999,165.19928299999995,204.74800199999999,664.63659800000005,58.647438999999999]
["Net fee and commission income",-8.4181939999999997,-1.1931219999999993,-0.18986900000000059,-4.4321739999999989,-2.6030289999999998]
["Net trading and fair value result",-126.14418499999999,-51.903978000000002,21.479233999999998,-49.260388999999996,-46.459051999999993]
["Gains/losses from hedge accounting",5.5950069999999998,-1.4766230000000005,-3.5446569999999999,10.033021000000002,0.58326599999999995]
["Other operating income and expenses",101.538426,41.310189000000001,18.262986000000012,-6.0854909999999949,48.050741999999993]
["Operating income",1043.0068410000001,158.87262700000022,249.68663799999968,619.32048744700012,15.127088552999995]
["General administrative expenses",-320.45507535900003,-85.485383359000025,-62.008331999999996,-85.564930348999994,-87.396429651000005]
["Operating result",722.55176564099997,73.387243641000126,187.67830599999974,533.75555709800005,-72.269341097999998]
["Other results",-42.263039073000009,-55.57786225600001,-3.0641027040000064,-8.0846595379999986,24.463585425000002]
["Governmental and regulatory expenses",-58.058683000000002,-1.7285670000000026,-0.49331300000000194,-0.78984000000000376,-55.046962999999998]
["Net impairment loss on financial assets not measured at fair value through profit/loss",-2.6810130000000001,55.346217000000003,-50.282781,-8.6772190000000009,0.93276999999999999]
["Profit/loss before tax ",619.54903056799992,71.427031384999978,133.83810929599991,516.20383856000001,-101.91994867299999]
["Income taxes",34.266505500000001,14.3529385,1.7209259999999995,19.693466000000001,-1.5008250000000001]
["Profit/loss after tax ",653.81553606800003,85.779969885000028,135.55903529599996,535.89730456000007,-103.42077367299999]
["Profit/loss after deduction of non-controlling interests",-6.7736760000000002E-3,4.8877643999999998E-2,2.9196000000000311E-4,2.4947999999999128E-4,-5.6192759999999994E-2]
["Consolidated profit/loss",653.80876239200006,85.828847529000015,135.55932725599996,535.89755404000005,-103.476966433]
[]
["Return on equity before tax","–","–","–","–","–"]
["Return on equity after tax","–","–","–","–","–"]
["Net interest margin (average interest-bearing assets)","–","–","–","–","–"]
["Cost/income ratio","–","–","–","–","–"]
["Loan/deposit ratio","–","–","–","–","–"]
["Provisioning ratio","–","–","–","–","–"]
["NPL ratio","–","–","–","–","–"]
["NPL coverage ratio","–","–","–","–","–"]
[]
["Assets",28481.462635668999,28481.462635668999,34942.660241018995,33354.638329580994,31559.109210613002]
["Liabilities",21650.119834360008,21650.119834360008,23735.327307970001,26186.354084359991,26279.385712009993]
["Risk-weighted assets (total RWA)",13883.738443029091,13883.738443029091,13855.944200809336,14173.912389063533,15512.780576276884]
["Average equity",2129.0276411707418,2129.0276411707418,2225.5981879057699,2303.2360818938578,2420.3957393433775]
["Loans to customers",1161.859328,1161.859328,1158.4759569999999,1392.7027209999999,1395.4150540000001]
["Deposits from customers",497.75066000000004,497.75066000000004,526.54681999999991,525.096495,525.81934999999999]
[]
["Business outlets",0,0,0,0,0]
["Employees as at reporting date (full-time equivalents)",1027,1027,1011,1152,1004]
["Customers in million",4.6700000000000002E-4,4.6700000000000002E-4,4.7600000000000002E-4,4.3600000000000003E-4,4.28E-4]

{"sheet":"RBI Overview","index":8,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["RBI Overview"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",3224.8366607839985,817.59366598300085,813.77868509700113,796.50892809400011,796.95538161000013]
["Dividend income",35.109036306,5.3572859409999998,6.4511002369999995,17.991418012000999,5.3092321160000004]
["Net fee and commission income",1717.8228977710019,446.44302172499903,428.69081628999993,433.30629974499999,409.38276001099996]
["Net trading and fair value result",36.521478858999984,9.9196229060000007,-0.77791857900000849,25.590906764999993,1.7888677669999709]
["Net gains/losses from hedge accounting",-15.529512624000001,-22.554752627999999,3.0306726249999998,2.4271007510000002,1.567466628]
["Other net operating income ",99.637435432000004,20.793004017999998,19.066679843999992,21.665488190999998,38.112263379000005]
["Operating income",5098.3979965279996,1277.551847945,1270.240035514001,1297.4901415580009,1253.1159715110002]
["Staff expenses",-1553.8120290739998,-408.751547303,-365.31604817900001,-391.51928694599997,-388.22514664600004]
["Other administrative expenses",-1157.498718504,-314.87090486400001,-270.60883440700002,-291.56237020999998,-280.456609023]
["Depreciation ",-299.888604939,-74.726581369000002,-74.081433680000004,-74.764229442000001,-76.316360447999998]
["General administrative expenses",-3011.1993525169996,-798.34903353599998,-710.006316266,-757.84588659799988,-744.998116117]
["Operating result",2087.1986440109999,479.20281440899998,560.23371924800097,539.64425496000104,508.11785539400023]
["Other results",0.34487559599999384,-30.974571828999999,-1.1541667350000007,1.3636934570000008,31.109920703]
["Net modification gains/losses",-3.1700000000000001E-4,-7.0827399999999995E-4,3.9127399999999999E-4,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",-51.580762270000001,-48.856060794000001,-5.3462058279999995,0.40097444599999998,2.2205299059999999]
["Impairment on non-financial assets",-28.664257193999997,-15.392176583000001,-6.9407490990000005,-6.566788635,0.23545712299999999]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",76.838258543999999,29.224039603000001,12.077921828999999,7.2665425070000005,28.269754604999999]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",3.7519535159999999,4.0503342189999998,-0.94552491099999991,0.26296513900000001,0.38417906900000004]
["Levies and special governmental measures",-163.34952186800001,-16.546262686999999,-15.657327197999999,-11.609472583999999,-119.53645939899999]
["Bank levies",-120.649188408,-16.566684292999998,-16.227373773,-16.714891278,-71.140239063999999]
["Profit/loss from banking business due to governmental measures",21.949470999999999,0.34678100000000001,0.63343300000000002,-0.29466700000000001,21.263923999999999]
["Resolution fund",-64.649804459999999,-0.32635939399999997,-6.3386424999999996E-2,5.4000856940000004,-69.660144334999998]
["Impairment losses on financial assets ",-312.13078560700001,-120.811857409,-90.960962436000003,-10.382020196999999,-89.975945564999989]
["Profit/loss before tax",1612.0632121320041,310.87012248400197,452.46126287899204,519.01645563599993,329.71537113300002]
["Income taxes",-366.05422259300002,-76.531389938999993,-96.675541738999996,-118.19679250499999,-74.650498409999997]
["Profit/loss after tax",1246.0089895390029,234.33873254499798,355.78572114000201,400.81966352099801,255.06487233300001]
[]
["Return on equity before tax",0.16192715646517433,0.1224240309564342,0.20979880987865546,0.21329459912880686,0.13444535751741585]
["Return on equity after tax",0.12515805286664197,9.2285125937537668E-2,0.16202009636782022,0.16471976902811181,0.1035032008008018]
["Net interest margin (avg. interest bearing assets)",2.4782502505260165E-2,2.5518462193119578E-2,2.4682548562942008E-2,2.4369994837196086E-2,2.4388590486765591E-2]
["Cost/income ratio",0.59061676914348826,0.62490538823937436,0.55895444673076755,0.58408604607044956,0.59451649572280663]
["Loan/deposit ratio",0.95502861074553635,0.95502861074553635,0.97064363302136492,0.97757797591677931,0.99131645680107994]
["Provisioning ratio",4.0638427282678928E-3,6.2537906669820845E-3,4.764519929807619E-3,5.4275876309949848E-4,4.6948693677822655E-3]
["NPL ratio",5.67682479294358E-2,5.67682479294358E-2,6.7114106087708764E-2,7.3159353027624344E-2,8.3391882748385521E-2]
["NPL coverage ratio",0.67039833841534235,0.67039833841534235,0.69410553167178257,0.70522102070526216,0.74037791064268244]
[]
["Assets",135146.33919099908,135146.33919099905,139962.85923808196,138602.54243699502,138489.27662286599]
["Liabilities",123904.98960700499,123904.98960700496,128908.24404338516,128368.84543471098,128421.97408428999]
["Risk-weighted assets (total RWA)",71902.171308326157,71902.171308326157,69670.3162919592,69020.628182257831,69863.5350571741]
["Equity",11241.349580653005,11241.349580653005,11054.615134243999,10233.696999937994,10067.30253962196]
["Loans to customers",77741.587072469018,77741.587072469018,76643.174384444996,76380.119187931996,76672.046621735004]
["Deposits from customers",84974.115764649003,84974.115764649003,83891.777416441008,81724.742956984992,81511.463044581003]
[]
["Business outlets",2409,2409,2410,2425,2500]
["Number of employees",49700,49700,49445,49688,50094]
["Number of customers in million",16.512909000000001,16.512909000000001,16.509609999999999,16.454483,16.575275999999999]

{"sheet":"Country Overview","index":9,"n_rows":29,"n_cols":12,"rows_kept":29,"cut":false,"hidden":false,"merged":[[1,1,1,3]]}
["Country and Segment Overview"]
[]
[]
[]
["1/1-31/12\n2017","Assets\nin € million","Share of \nAssets","Profit/loss after tax in € million","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin ","Provisioning ratio","Loan growth \nYoY","NPL ratio","NPL coverage ratio"]
["Czech Republic",16125.166255178996,0.11931633776916216,139.14341987700001,132,3325,0.8432235347272572,1.7673932163514049E-2,2.1648290107880545E-3,"–",2.6428651368595606E-2,0.8660741459194029]
["Hungary",7039.9754834910018,5.2091499670898052E-2,112.92379012299999,71,1993,0.65166730119446659,2.0478562020498227E-2,-1.8684979159861555E-2,"–",8.1269894361174738E-2,0.68205453044641173]
["Poland",11724.387581278999,8.6753275386240461E-2,49.221531665000001,237,3871,1.018653663966157,2.2813852776650104E-2,1.1001866761615523E-2,"–",8.8515759606819122E-2,0.61683197437837334]
["Slovakia",12605.722231975,9.3274611117358061E-2,129.37282820000001,190,3867,0.97885323379721834,2.3583696148497896E-2,4.9016001373050394E-4,"–",2.8898882947352763E-2,0.69926525406801576]
["Reconciliation/other",-681.24414313000307,-5.0407887273011326E-3,-11.800239830000024,1,13,"–","–","–","–","–","–"]
["Central Europe",46814.007408793994,0.34639493521635761,418.86133003500004,631,13069,0.89729905473662874,2.1251274391424602E-2,2.0201011729007773E-3,"–",4.9699134081716577E-2,0.67715249645119491]
["Albania",1882.6437146119999,1.3930408517772025E-2,33.770486693000002,78,1229,0.44666291203519248,3.058878462756404E-2,-5.0187229171694148E-3,"–",0.16347183732818171,0.78663871170391919]
["Bosnia and Herzegovina",2155.9648200489996,1.5952817020089809E-2,38.075913553000007,98,1277,0.74747598234959334,3.5780430943906094E-2,7.8061518526391606E-3,"–",6.8891624149160127E-2,0.89903893330620233]
["Bulgaria",3722.5621025339988,2.7544675829309685E-2,69.122669153000004,136,2576,0.82813510212153729,2.9970159712710373E-2,-4.1016741698127615E-3,"–",4.3395058780200155E-2,0.88751621353254317]
["Croatia",4606.0319659940005,3.4081810824963657E-2,25.904211864999997,75,2106,0.72586425600210314,3.0496698779615725E-2,1.9643184093680207E-2,"–",0.13087023213256288,0.79368848270373693]
["Kosovo",922.10699099999999,6.8230260362199579E-3,18.127822999999999,48,730,0.76238361229619667,4.4267921677740005E-2,7.773815469400606E-3,"–",4.7774978656811934E-2,0.79053480016273459]
["Romania",8144.4774661849997,6.0264136749384002E-2,106.578568795,454,5333,0.7438021397999548,3.6219639268215455E-2,1.5850724587081061E-2,"–",5.9705168493628169E-2,0.78268474411784295]
["Serbia",2277.1604542519999,1.6849590361702249E-2,54.784282718,89,1541,0.76421451774310301,4.2004338863363903E-2,-7.3943375761895743E-3,"–",4.7386556184035943E-2,0.8379832326662624]
["Reconciliation",-1.1584651200073495,"–","–","–","–","–","–","–","–","–","–"]
["Southeastern Europe",23709.789049505995,0.17543789340825228,346.363955777,978,14792,0.73082400286089322,3.4442538425776069E-2,8.8942452764463418E-3,"–",7.5453235572858476E-2,0.80996130859507776]
["Belarus",1517.7215833350001,1.1230208619931919E-2,65.199591538000007,90,1906,0.98649311382093385,8.0557462660443779E-2,-2.7993530882165351E-4,"–",5.9975177233725349E-2,0.87946078832551144]
["Russia",12060.229820286004,8.9238301921308993E-2,442.75716045799999,185,8229,0.87574641001480025,5.9319828285984762E-2,6.324790013324681E-3,"–",4.0914262713103867E-2,0.75448580501205198]
["Ukraine",2004.136332365,1.4829379355460033E-2,180.59489207600001,500,7997,0.72678320102035887,0.10534443453393376,-5.1197380373148603E-2,"–",0.20567638046404083,0.80470261390881004]
["Reconciliation",-2.6189094739982011,"–","–","–","–","–","–","–","–","–","–"]
["Eastern Europe",15579.468826512006,0.11527851157325041,688.55164407200004,775,18132,0.86523922203947567,6.682137429537427E-2,-5.3282492416784121E-4,"–",6.3611072325054516E-2,0.78632780344560582]
["Group Corporates & Markets",41434.635695709992,0.30659088469389789,209.16352480499998,25,2680,1.4291506852584035,1.465497165657579E-2,5.3029709823538274E-3,"–",4.9189247655190942E-2,0.48186506983379168]
["Corporate Center",28481.462635668999,0.21074535060410954,653.81553606800003,0,1027,"–","–","–","–","–","–"]
["Reconciliation",-20873.024425191947,-0.15444757549586757,-1070.7470012179992,"–","–","–","–","–","–","–","–"]
["Total RBI Group",135146.33919099902,1,1246.0089895390008,2409,49700,0.95502861074553635,2.4782502505260165E-2,4.0638427282678928E-3,"–",5.6767818187604999E-2,0.6704034134423299]

{"sheet":"CE-CZ","index":10,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Czech Republic"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",279.84531856299998,75.667078035999992,69.682032176000007,66.05984939999999,68.436358950999988]
["Dividend income",1.1854539979999998,2.8490662E-2,9.7269599999999998E-3,1.1284601740000002,1.8776202000000002E-2]
["Net fee and commission income",132.267240883,36.392318440000004,30.213435382000007,32.424241058999996,33.237246001999999]
["Net trading and fair value result",31.163132858999994,5.8005361569999998,8.3689381269999998,11.100484143999999,5.8931744309999985]
["Net gains/losses from hedge accounting",0.49935835100000003,-2.1055463999999999E-2,-0.22870217499999998,0.77549146400000002,-2.6375473999999999E-2]
["Other net operating income ",27.069959423000004,4.7967925820000001,9.8374265180000009,5.7767872379999998,6.6589530850000003]
["Operating income",472.03046407699998,122.66416041299998,117.88285698800001,117.26531347899999,114.21813319699999]
["Staff expenses",-133.20945421799999,-35.888466652000005,-33.199583523999998,-31.935410796999999,-32.185993244999999]
["Other administrative expenses",-83.520013696000007,-20.982135372000002,-20.354277271000001,-18.817222766999997,-23.366378286]
["Depreciation ",-30.221756560999999,-8.1043724879999992,-7.8721473980000001,-7.7662811840000003,-6.4789554910000007]
["General administrative expenses",-246.951224475,-64.974974512000003,-61.426008193000001,-58.518914747999993,-62.031327021999999]
["Operating result",225.07923960199997,57.689185900999973,56.456848795000013,58.746398730999992,52.186806174999987]
["Other results",-8.4740836999999999E-2,-4.5400555999999995E-2,8.0550714999999995E-2,-0.12103734200000001,1.1463459999999999E-3]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",-8.4740836999999999E-2,-4.5400517999999994E-2,8.0550677000000001E-2,-0.12103734200000001,1.1463459999999999E-3]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,-3.7999999999999996E-8,3.7999999999999996E-8,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",-8.6390233050000003,-7.6093414999999998E-2,-7.1991288000000001E-2,-0.24070963200000001,-8.2502289700000002]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",-8.6390233050000003,-7.6093414999999998E-2,-7.1991288000000001E-2,-0.24070963200000001,-8.2502289700000002]
["Impairment losses on financial assets ",-21.054303552,-2.259487585,-15.029298396000002,2.1702676510000005,-5.9357852220000007]
["Profit/loss before tax",195.30117190799999,55.308204345,41.436109825999999,60.554919407999996,38.001938329000005]
["Income taxes",-56.157752031000001,-27.779077111000003,-8.7243039220000007,-11.701045511,-7.9533254869999999]
["Profit/loss after tax",139.14341987700001,27.529127234000001,32.711805904000002,48.853873897,30.048612842000001]
[]
["Return on equity before tax",0.17063363793159769,0.18907720334653175,0.14339793993926414,0.21195814746989367,0.1372770313212226]
["Return on equity after tax",0.12156889636657561,9.4111361060772641E-2,0.11320574247542312,0.17100141011454614,0.10854668334059739]
["Net interest margin (avg. interest bearing assets)",1.7673932163514049E-2,1.915336107415349E-2,1.7329435678936876E-2,1.6514087245372108E-2,1.7826466815485685E-2]
["Cost/income ratio",0.52316798018086419,0.52969811469980055,0.52107668377305205,0.49903004573027149,0.54309526242221318]
["Loan/deposit ratio",0.8432235347272572,0.8432235347272572,0.87235103248541757,0.85891126643957505,0.8696333669202142]
["Provisioning ratio",2.1648290107880545E-3,8.9776804879851402E-4,6.0716901449161201E-3,-9.0660253056574016E-4,2.5412603865692684E-3]
["NPL ratio",2.6428651368595606E-2,2.6428651368595606E-2,3.0251987356168204E-2,3.5857374907418374E-2,3.8530711958887243E-2]
["NPL coverage ratio",0.8660741459194029,0.8660741459194029,0.80678491396148844,0.72008554287056281,0.74457581541117357]
[]
["Assets",16125.166255178996,16125.166255179001,16411.117895193001,16592.282014659002,15728.453678245001]
["Liabilities",14869.735193031011,14869.735193031007,15160.148066628008,15384.822374205,14566.196104849008]
["Risk-weighted assets (total RWA)",6521.4604102173707,6521.4604102173707,6437.2921540028674,6339.3581148911117,6016.5887403317402]
["Equity",1255.4310621479999,1255.4310621479999,1250.9698285650002,1207.459640454,1162.257573396]
["Loans to customers",10139.526340317001,10139.526340317001,9994.7396365029999,9807.7180479810013,9343.0570961890007]
["Deposits from customers",12265.674368280001,12265.674368280001,11980.972786654002,11887.279109096999,11237.218901147]
[]
["Business outlets",132,132,131,131,132]
["Number of employees",3325,3325,3307,3309,3362]
["Number of customers in million",1.1407179999999999,1.1407179999999999,1.1627559999999999,1.160998,1.183894]

{"sheet":"CE-HU","index":11,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Hungary"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",136.71937266500001,32.615393849,35.408263888,33.675781514000001,35.019933414000008]
["Dividend income",1.348386375,-2.922338E-3,0.11340752999999999,0.351722543,0.88617864000000002]
["Net fee and commission income",130.07031989699999,33.935318551999998,32.317629050999997,32.898143153999996,30.919229139999999]
["Net trading and fair value result",3.0111409340000006,0.27090449299999975,1.3275251729999997,0.49053991799999963,0.92217135000000106]
["Net gains/losses from hedge accounting",0.815176554,-6.537689499999999E-2,-0.53077465899999998,-0.38056144300000005,1.7918895509999999]
["Other net operating income ",-38.279638653999996,-13.944856572999999,-9.1922367510000011,-7.339433436000002,-7.8031118940000015]
["Operating income",233.68475777100002,52.808461088000016,59.443814231999987,59.696192249999989,61.736290200999996]
["Staff expenses",-72.370114895,-18.876923409000003,-17.439178133999999,-19.056659467999999,-16.997353883999999]
["Other administrative expenses",-72.221200480000007,-24.925524212999999,-18.114283094000001,-14.682142719,-14.499250454]
["Depreciation ",-18.802164373,-4.2791220039999995,-6.2494926849999999,-4.2089954170000006,-4.0645542670000001]
["General administrative expenses",-163.39347974800003,-48.081569626000004,-41.802953913000003,-37.947797604000002,-35.561158604999996]
["Operating result",70.29127802299999,4.7268914620000118,17.640860318999984,21.748394645999987,26.175131596]
["Other results",9.9869949830000007,13.811242629999999,1.8820420870000003,-1.22198056,-4.4843091739999998]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",-6.0195623499999993,-0.40080987400000001,-1.0700827999999999E-2,-1.0807925540000001,-4.5272590939999997]
["Impairment on non-financial assets",-0.25385054500000004,-4.8054338000000002E-2,-0.10755812099999999,-4.3498901E-2,-5.4739184999999996E-2]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",15.273095383999999,14.259393772999999,1.0137016110000001,-9.7689104999999998E-2,9.7689104999999998E-2]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0.98731249399999998,7.1306899999999999E-4,0.98659942500000009,0,0]
["Levies and special governmental measures",-14.192407917999997,-4.7801921000000004E-2,0.93465207699999997,0.36679312000000003,-15.446051193999999]
["Bank levies",-12.625621211999999,1.4114906999999999E-2,6.2674253999999999E-2,-9.0672860000000008E-3,-12.693343086999999]
["Profit/loss from banking business due to governmental measures",0.76431899999999997,-6.6969000000000001E-2,0.87642699999999996,-1.8641999999999999E-2,-2.6497E-2]
["Resolution fund",-2.3311057059999998,5.0521719999999997E-3,-4.4491769999999995E-3,0.39450240600000003,-2.7262111069999997]
["Impairment losses on financial assets ",52.483294074,4.4193796870000011,7.5064134879999997,26.226658539000002,14.33084236]
["Profit/loss before tax",118.56915916200001,22.909711857999998,27.963967971000002,47.119865744999998,20.575613588]
["Income taxes",-5.6453690390000002,-2.6651290759999999,-2.1371946980000001,1.3857808579999999,-2.2288261230000002]
["Profit/loss after tax",112.92379012299999,20.244582782000002,25.826773272999997,48.505646603000002,18.346787464999998]
[]
["Return on equity before tax",0.19540637711722264,0.15808466455951525,0.18499761178177293,0.30219375108868318,0.13758047105699309]
["Return on equity after tax",0.18610259931218984,0.13969438369708784,0.17085884879349655,0.31106520088972306,0.12269167918480188]
["Net interest margin (avg. interest bearing assets)",2.0478562020498227E-2,1.9157336628621739E-2,2.0780570690011151E-2,2.056918982227187E-2,2.1729570740006768E-2]
["Cost/income ratio",0.69920469484842429,0.91048988429859534,0.70323471757464195,0.635682045599818,0.5760170960908173]
["Loan/deposit ratio",0.65166730119446659,0.65166730119446659,0.68079765286771565,0.67645894586013777,0.68393600992759851]
["Provisioning ratio",-1.8684979159861555E-2,-6.0649029812343946E-3,-1.0578157646258317E-2,-3.8105624586243614E-2,-2.1162669626961193E-2]
["NPL ratio",8.1269894361174738E-2,8.1269894361174738E-2,9.2891335812905873E-2,0.10930423382953394,0.13884920110801446]
["NPL coverage ratio",0.68205453044641173,0.68205453044641173,0.67252101160083577,0.64307801093534755,0.7335830285147924]
[]
["Assets",7039.9754834910018,7039.9754834910018,7098.040852506002,6921.9388648040012,6795.1856279049998]
["Liabilities",6369.4958592879984,6369.4958592879984,6435.3486675069962,6222.0584861080024,6164.7211576169993]
["Risk-weighted assets (total RWA)",3242.6790820634096,3242.6790820634096,3400.0763674186942,3536.1561284916265,3625.3996577118837]
["Equity",670.47962420299996,670.47962420299996,662.69218499900001,699.88037869599998,630.46447028800003]
["Loans to customers",2963.5711182690006,2963.5711182690006,2890.1858685779998,2808.0374514650002,2719.3855603460006]
["Deposits from customers",5049.0328121399998,5049.0328121399998,4910.6398490909996,4667.4918686170004,4603.4025587139995]
[]
["Business outlets",71,71,71,71,72]
["Number of employees",1993,1993,1968,1991,2006]
["Number of customers in million",0.532806,0.532806,0.53734499999999996,0.54036899999999999,0.54232199999999997]

{"sheet":"CE-PL","index":12,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Poland"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",259.65559678399995,65.605643731000001,67.131065251999985,65.444003484999996,61.474884316000001]
["Dividend income",2.1110709550000002,1.1148459999999999E-2,1.3431571E-2,2.0689641380000001,1.7526785999999999E-2]
["Net fee and commission income",137.50205856999997,34.909791548999998,34.547529300000001,35.253038724999996,32.791698995999994]
["Net trading and fair value result",9.251069699999988,2.3022562830000055,2.9784241560000027,0.32191158999999914,3.6484776709999807]
["Net gains/losses from hedge accounting",0.14264136199999999,2.6844309E-2,4.4873784E-2,2.4409767999999998E-2,4.6513500999999999E-2]
["Other net operating income ",17.437685975000001,8.0744022279999985,-0.46469536900000108,11.857243681,-2.0292645650000001]
["Operating income",426.10012334599998,110.93008656000001,104.25062869399999,114.96957138699999,95.949836704999967]
["Staff expenses",-121.90689441799999,-28.933424212000002,-28.615281153999998,-29.891384848999998,-34.466804203000002]
["Other administrative expenses",-91.468073242000003,-23.248882341000002,-21.168060342,-22.671097333000002,-24.380033225999998]
["Depreciation ",-16.862628831999999,-4.1904186169999997,-4.1531571949999995,-4.3215761299999995,-4.1974768899999999]
["General administrative expenses",-230.23759649199997,-56.372725170000002,-53.936498690999997,-56.884058311999993,-63.044314319000001]
["Operating result",195.86252685400001,54.557361390000004,50.314130002999988,58.085513074999994,32.905522385999966]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",-42.529224925999998,-7.6218377950000002,-7.3285174159999995,-7.8528387459999998,-19.726030969]
["Bank levies",-31.136506195999999,-7.5817187740000005,-7.3284004529999995,-7.7262439919999997,-8.5001429769999994]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",-11.39271873,-4.0119020999999998E-2,-1.16963E-4,-0.126594754,-11.225887992000001]
["Impairment losses on financial assets ",-86.661933329999997,-18.663887589999998,-32.550827779999999,-20.638587241,-14.808630719]
["Profit/loss before tax",66.671368598000001,28.271636004999998,10.434784807,29.594087087999998,-1.629139302]
["Income taxes",-17.449836932999997,-6.8532218820000006,-7.5558722149999999,-8.3533846700000005,5.3126418339999999]
["Profit/loss after tax",49.221531665000001,21.418414122999998,2.8789125920000003,21.240702418000001,3.6835025320000003]
[]
["Return on equity before tax",4.5066699860703607E-2,7.5674389993123425E-2,2.8338773200110981E-2,7.985293831070632E-2,"–"]
["Return on equity after tax",3.3271433313007338E-2,5.7330443240642195E-2,7.8185465704919341E-3,5.7313222567306088E-2,1.0144616509049183E-2]
["Net interest margin (avg. interest bearing assets)",2.2813852776650104E-2,2.3227654580694562E-2,2.4120512517154923E-2,2.2731437127434338E-2,2.1121171612001707E-2]
["Cost/income ratio",0.54033684544381932,0.50818246805846534,0.5173733661531793,0.4947749010955439,0.65705494124842789]
["Loan/deposit ratio",1.018653663966157,1.018653663966157,1.0744627478576796,1.0673782311093754,1.0520698142478104]
["Provisioning ratio",1.1001866761615523E-2,9.5793357227677758E-3,1.6535891655919302E-2,1.0401888106605462E-2,7.4740494513350275E-3]
["NPL ratio",8.8515759606819122E-2,8.8515759606819122E-2,8.4488382477957508E-2,8.2674249965083796E-2,8.5920717577387479E-2]
["NPL coverage ratio",0.61683197437837334,0.61683197437837334,0.60897825554613394,0.58008051670810812,0.56901956392525643]
[]
["Assets",11724.387581278999,11724.387581278999,11359.320616139004,11791.327703450001,11959.071052882999]
["Liabilities",10170.054090251995,10170.054090251995,9869.281288973003,10282.913094013,10474.019032530996]
["Risk-weighted assets (total RWA)",9333.4150700979735,9333.4150700979735,6542.1879860940107,6525.9269909589129,6421.2827410766959]
["Equity",1554.333491027,1554.333491027,1490.0393271659998,1508.4146094370001,1485.052020352]
["Loans to customers",7786.4228537220006,7786.4228537220006,7800.3678216610006,7947.5959203960001,7925.358704366]
["Deposits from customers",8255.7826669850001,8255.7826669850001,7727.379269086,8022.3133801080003,8146.3121126219994]
[]
["Business outlets",237,237,237,237,299]
["Number of employees",3871,3871,3935,4054,4157]
["Number of customers in million",0.81622899999999998,0.81622899999999998,0.80134000000000005,0.78483000000000003,0.775891]

{"sheet":"CE-SK","index":13,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Slovakia"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",273.93347299999999,68.318462999999994,72.928445999999994,63.994983000000005,68.691580999999999]
["Dividend income",0.216858,9.1263999999999998E-2,4.5307E-2,3.2654000000000002E-2,4.7633000000000002E-2]
["Net fee and commission income",156.97512599999999,40.371817999999998,39.551837999999996,38.483505000000001,38.567965000000001]
["Net trading and fair value result",6.7100710000000001,3.6971940000000001,-2.6965900000000005,5.0643729999999998,0.64509399999999983]
["Net gains/losses from hedge accounting",1.0480689999999999,0.11526500000000001,1.3837140000000001,-0.47409899999999999,2.3189000000000001E-2]
["Other net operating income ",-2.2385890000000002,-12.206358,6.5439680000000005,-0.55075600000000013,3.974556999999999]
["Operating income",436.64500800000002,100.38764599999999,117.756683,106.55066000000001,111.95001900000001]
["Staff expenses",-131.36764299999999,-36.125003999999997,-32.148468999999999,-28.861196,-34.232973999999999]
["Other administrative expenses",-88.240247999999994,-22.633308,-20.132306,-21.984124000000001,-23.49051]
["Depreciation ",-24.758588,-6.3783019999999997,-6.2064110000000001,-5.9630539999999996,-6.2108210000000001]
["General administrative expenses",-244.366479,-65.136613999999994,-58.487186000000001,-56.808374000000001,-63.934305000000002]
["Operating result",192.27852900000002,35.251031999999995,59.269496999999994,49.742286000000007,48.01571400000001]
["Other results",-1.5223098000000004,-6.0924959750000003,1.5288127,1.5246203999999999,1.516753075]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",-6.7762010000000004,-6.7762010000000004,0,0,0]
["Impairment on non-financial assets",-0.39890399999999998,-0.62009000000000003,-4.7917000000000001E-2,0.19422900000000001,7.4873999999999996E-2]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",5.6527951999999999,1.3037950249999999,1.5767297,1.3303913999999999,1.4418790749999999]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",-25.471630999999999,-5.2569530000000002,-5.1655740000000003,-4.0464039999999999,-11.002700000000001]
["Bank levies",-20.286384999999999,-5.2569530000000002,-5.1655740000000003,-4.8611579999999996,-5.0026999999999999]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",-5.1852460000000002,0,0,0.81475399999999998,-6]
["Impairment losses on financial assets ",-4.4013339999999994,5.95709,-3.9467289999999999,-1.3145579999999999,-5.097137]
["Profit/loss before tax",160.88325419999998,29.858673024999998,51.6860067,45.905944399999996,33.432630074999999]
["Income taxes",-31.510425999999999,-5.0723929999999999,-9.4612669999999994,-9.708024,-7.2687419999999996]
["Profit/loss after tax",129.37282820000001,24.786280025,42.224739700000001,36.197920400000001,26.163888074999999]
[]
["Return on equity before tax",0.15192303979914956,0.11983678941948352,0.21136122530267695,0.17936033685217867,0.11302302266158402]
["Return on equity after tax",0.12216755202579149,9.9478909104945917E-2,0.17267096630002543,0.14142985796611451,8.8450167042859337E-2]
["Net interest margin (avg. interest bearing assets)",2.3583696148497896E-2,2.2692376848384363E-2,2.5171594459857748E-2,2.2473686830907644E-2,2.454727024916898E-2]
["Cost/income ratio",0.55964564926389804,0.64885089545779362,0.49667827345306598,0.53315834927723582,0.57109686600410481]
["Loan/deposit ratio",0.97885323379721834,0.97885323379721834,1.0297374436814934,0.99807656951483892,1.0090434701772306]
["Provisioning ratio",4.9016001373050394E-4,-2.5683832843026075E-3,1.7381983668632089E-3,5.9568196227488242E-4,2.346944820631424E-3]
["NPL ratio",2.8898882947352763E-2,2.8898882947352763E-2,3.0588832033289926E-2,3.1937307815307923E-2,3.4133858076043987E-2]
["NPL coverage ratio",0.69926525406801576,0.69926525406801576,0.74421758823671735,0.72230820878050805,0.70836144623635222]
[]
["Assets",12605.722231975,12605.722231975,12037.949883674999,11863.792097375001,11596.636592774999]
["Liabilities",11515.791719999997,11515.791719999997,10971.534919,10840.081180000003,10501.875594999998]
["Risk-weighted assets (total RWA)",5620.9898010650822,5620.9898010650822,5622.4927266940194,5547.3224278042817,5099.7756658800281]
["Equity",1089.9305119749999,1089.9305119749999,1066.4149656749998,1023.710917375,1094.7609977750001]
["Loans to customers",9357.6774110000006,9357.6774110000006,9197.4659319999992,8967.2226340000016,8687.2719890000008]
["Deposits from customers",10035.923025,10035.923025,9534.9278489999997,9413.5779870000006,9137.2601849999992]
[]
["Business outlets",190,190,188,194,194]
["Number of employees",3867,3867,3882,3896,4049]
["Number of customers in million",0.90175099999999997,0.90175099999999997,0.89322500000000005,0.88744699999999999,0.93696500000000005]

{"sheet":"SEE-AL","index":14,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Albania"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",55.787409834999998,13.884262059999999,13.81938753,13.899639627999999,14.184120616999998]
["Dividend income",0,0,0,0,0]
["Net fee and commission income",15.304003997000001,3.8705780260000004,4.280208408,3.645485077,3.5077324860000005]
["Net trading and fair value result",-1.6257761989999997,-0.84840916000000011,8.3527949999997464E-3,-3.5767212050000001,2.7910013710000001]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",3.8758514479999997,3.3111869890000003,0.18944761100000002,-0.29914454300000004,0.67436139099999992]
["Operating income",73.341489081000006,20.217617915000002,18.297396343999999,13.669258956999998,21.157215865000001]
["Staff expenses",-17.239411854,-4.8269505259999992,-4.3107131150000004,-4.0791721819999998,-4.0225760309999998]
["Other administrative expenses",-20.709868776,-5.5440902539999994,-4.9536052419999992,-5.4828697139999996,-4.7293035659999996]
["Depreciation ",-4.721655181,-1.0962878950000001,-0.824638078,-1.3296853670000002,-1.471043841]
["General administrative expenses",-42.670935811000007,-11.467328674999997,-10.088956435,-10.891727263,-10.222923437999999]
["Operating result",30.670553269999999,8.7502892400000043,8.2084399089999991,2.7775316939999986,10.934292427000003]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",3.3366847280000003,-0.92874753599999993,-6.1393529249999998,11.285105392,-0.88032020299999991]
["Profit/loss before tax",34.007237998000001,7.8215417039999995,2.0690869840000001,14.062637085999999,10.053972223999999]
["Income taxes",-0.236751305,-7.0906095000000002E-2,-7.2273736000000005E-2,-3.8646635999999998E-2,-5.4924838000000004E-2]
["Profit/loss after tax",33.770486693000002,7.7506356090000006,1.9968132479999998,14.023990449999999,9.9990473859999991]
[]
["Return on equity before tax",0.17479335203065235,0.16125396760276239,4.2903204334606225E-2,0.29095612018050826,0.21060133660277677]
["Return on equity after tax",0.17357647713507679,0.15979212164324397,4.1404584464775449E-2,0.29015652084528942,0.20945082175783539]
["Net interest margin (avg. interest bearing assets)",3.058878462756404E-2,3.0933527749757522E-2,3.0954623373165822E-2,2.998660146247523E-2,3.0209290493689124E-2]
["Cost/income ratio",0.58181169138621203,0.56719484576331192,0.55138754417965741,0.79680451568461697,0.48318850189129081]
["Loan/deposit ratio",0.44666291203519248,0.44666291203519248,0.44217756397816227,0.42720425266883116,0.41613281289888654]
["Provisioning ratio",-5.0187229171694148E-3,5.5508005173293302E-3,3.6857244957091577E-2,-6.795204288594954E-2,5.35883436705428E-3]
["NPL ratio",0.16347183732818171,0.16347183732818171,0.17905439728626638,0.18515951806409076,0.22662656239948623]
["NPL coverage ratio",0.78663871170391919,0.78663871170391919,0.79368799690025382,0.76201750208546504,0.79324723508652939]
[]
["Assets",1882.6437146119999,1882.6437146119999,1837.8931867669999,1928.0086082990001,1952.0164570569989]
["Liabilities",1658.153335644,1658.1533356439991,1622.3079311199999,1707.7360664870009,1751.6069023280011]
["Risk-weighted assets (total RWA)",1453.4104862781192,1453.4104862781192,1394.9468207042689,1450.0492638652931,1526.6093390507751]
["Equity",224.49037896799999,224.49037896799999,215.58525564700003,220.27254181200001,200.40955472900001]
["Loans to customers",677.471261755,677.471261755,661.07085749499993,671.49817899100003,657.0982737679999]
["Deposits from customers",1541.7559031430001,1541.7559031430001,1519.429050898,1592.8105906149999,1607.5816104129999]
[]
["Business outlets",78,78,78,79,81]
["Number of employees",1229,1229,1222,1257,1252]
["Number of customers in million",0.47576600000000002,0.47576600000000002,0.51483299999999999,0.51985599999999998,0.52350300000000005]

{"sheet":"SEE-BG","index":15,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Bulgaria"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",101.35059029,24.350785089999999,24.885661844999998,26.200813466,25.913329888999996]
["Dividend income",3.1834101120000002,-0.331427578,0.331427578,3.1834101120000002,0]
["Net fee and commission income",45.232563157000001,11.454282324000001,11.810977439,11.471572681,10.495730713]
["Net trading and fair value result",2.5757248850000001,0.82769617200000001,0.71203018499999993,0.45068232200000014,0.58531620600000001]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",3.3691067199999996,0.95787108099999996,0.59080134900000003,0.93128952800000009,0.88914476200000003]
["Operating income",155.71139516400001,37.259207089000007,38.330898396000002,42.237768109000001,37.883521569999999]
["Staff expenses",-39.013538496999999,-10.253950495,-9.6986992740000009,-9.7311739779999993,-9.3297147500000008]
["Other administrative expenses",-36.730419819999995,-9.0008282899999994,-8.3118803799999998,-7.4915524319999998,-11.926158718]
["Depreciation ",-8.5745785679999997,-2.3992356200000002,-2.1238169980000001,-2.0557522879999999,-1.9957736619999999]
["General administrative expenses",-84.318536884999986,-21.654014404999998,-20.134396652,-19.278478698000001,-23.251647130000002]
["Operating result",71.392858279000023,15.605192684000009,18.196501744000003,22.959289411,14.631874439999997]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",-3.7016540290000002,0,0,-0.27576578699999998,-3.4258882420000001]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",-3.7016540290000002,0,0,-0.27576578699999998,-3.4258882420000001]
["Impairment losses on financial assets ",8.8447666719999987,-5.1916546930000003,3.4159032219999999,3.5579263010000002,7.0625918419999989]
["Profit/loss before tax",76.535970922000004,10.413537991,21.612404966,26.241449925000001,18.268578039999998]
["Income taxes",-7.4133017690000003,-1.0567646470000001,-1.9543539050000001,-2.6716790320000001,-1.730504185]
["Profit/loss after tax",69.122669153000004,9.3567733440000005,19.658051061000002,23.569770892999998,16.538073855]
[]
["Return on equity before tax",0.17472590683825664,0.10177620152395564,0.21468468453083508,0.24112910628567713,0.15160696978008267]
["Return on equity after tax",0.15780189243562395,9.1447964205373378E-2,0.195271303550868,0.21657941184956664,0.13724589060330392]
["Net interest margin (avg. interest bearing assets)",2.9970159712710373E-2,2.7765372464836686E-2,2.9414369354737749E-2,3.1985140380483584E-2,3.142462937982763E-2]
["Cost/income ratio",0.54150524305683045,0.58117217452523007,0.52527849579703845,0.45642749513301462,0.61376678213603564]
["Loan/deposit ratio",0.82813510212153729,0.82813510212153729,0.84995717885182265,0.86199085924358898,0.85030924731799307]
["Provisioning ratio",-4.1016741698127615E-3,9.2464812889435418E-3,-6.2720714323699122E-3,-6.7607329541217133E-3,-1.3581890421644064E-2]
["NPL ratio",4.3395058780200155E-2,4.3395058780200155E-2,5.1881278882339975E-2,5.6939941321987847E-2,5.5919872993166302E-2]
["NPL coverage ratio",0.88751621353254317,0.88751621353254317,0.81911149292781116,0.83339191920341049,0.96694008220830763]
[]
["Assets",3722.5621025339988,3722.5621025340001,3605.7837148460003,3421.7264445310011,3439.6688403410003]
["Liabilities",3247.4739859820011,3247.4739859819988,3142.7959924960032,2979.47678275,2954.6535087400011]
["Risk-weighted assets (total RWA)",1788.9224712227449,1788.9224712227449,1794.0435511486075,1726.3262770516237,1764.7180590317289]
["Equity",475.08811655199997,475.08811655199997,462.98772235000001,442.24966178100004,485.01533160100001]
["Loans to customers",2264.923212139,2264.923212139,2226.8652040299999,2130.104589867,2080.0025983850001]
["Deposits from customers",2752.9166134079996,2752.9166134079996,2646.7022737160005,2490.3131995120002,2458.2050377599999]
[]
["Business outlets",136,136,137,136,136]
["Number of employees",2576,2576,2580,2590,2584]
["Number of customers in million",0.61712999999999996,0.61712999999999996,0.61297400000000002,0.59950999999999999,0.64738899999999999]

{"sheet":"SEE-BH","index":16,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Bosnia and Herzegovina"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",66.152223352999997,16.572853981000002,16.468378639999997,16.478006780000001,16.632983952000004]
["Dividend income",0.58022322999999998,0,0.30677512800000001,0.27344810200000003,0]
["Net fee and commission income",39.285720640999997,9.8351738120000007,9.8957624129999999,10.742249583,8.8125348329999991]
["Net trading and fair value result",0.3797952790000001,4.6513756999999989E-2,0.35858740299999997,-2.3504087999999979E-2,-1.8017930000000515E-3]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",1.0911689670000007,0.73923858500000028,0.10029603999999992,0.24043193500000004,1.1202407000000081E-2]
["Operating income",107.48913147,27.193780135000001,27.129799624,27.710632312000001,25.454919399000005]
["Staff expenses",-25.269676301000001,-7.5356477819999999,-6.5986742199999995,-5.6429326660000001,-5.4924216330000002]
["Other administrative expenses",-25.025051768000001,-8.1987682970000009,-5.7326050850000003,-5.9082440680000001,-5.1854343179999995]
["Depreciation ",-5.5239872589999992,-1.3872059429999999,-1.35454922,-1.3717608379999999,-1.4104712579999998]
["General administrative expenses",-55.818715328000003,-17.121622022,-13.685828524999998,-12.922937572,-12.088327208999999]
["Operating result",51.670416142000001,10.072158113,13.443971099000002,14.787694740000001,13.366592190000006]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",-8.940510677999999,-3.6745126109999999,-4.2254112060000004,0.67029854399999989,-1.710885405]
["Profit/loss before tax",42.729905463999998,6.3976455020000005,9.2185598929999983,15.457993284000001,11.655706785]
["Income taxes",-4.6539919110000003,-0.122531611,-1.316972845,-1.8553447890000001,-1.3591426659999999]
["Profit/loss after tax",38.075913553000007,6.2751138910000002,7.9015870480000006,13.602648494999999,10.296564119000001]
[]
["Return on equity before tax",0.16762681969232621,0.10466181481006841,0.15278799180190092,0.24450900252013574,0.1763132111570227]
["Return on equity after tax",0.14936949254685616,0.10265726786090741,0.13096054384643085,0.21516182301724843,0.15575377084460804]
["Net interest margin (avg. interest bearing assets)",3.5780430943906094E-2,3.541440794965408E-2,3.5933799728457214E-2,3.5740765363130679E-2,3.6303069059700273E-2]
["Cost/income ratio",0.51929636573144033,0.62961537296403525,0.50445741268553346,0.46635303830305463,0.47489159244695506]
["Loan/deposit ratio",0.74747598234959334,0.74747598234959334,0.72765024050296156,0.71865210696314152,0.72087814844855214]
["Provisioning ratio",7.8061518526391606E-3,1.2575996027391298E-2,1.4770161281005985E-2,-2.3719386713930077E-3,6.0651344890547323E-3]
["NPL ratio",6.8891624149160127E-2,6.8891624149160127E-2,7.3442099576057351E-2,8.0754150158790325E-2,8.7186664650765106E-2]
["NPL coverage ratio",0.89903893330620233,0.89903893330620233,0.84977172475139351,0.81328054820707274,0.76708337610485566]
[]
["Assets",2155.9648200489996,2155.9648200489996,2090.154710278,2111.4160325789999,2091.1421053979998]
["Liabilities",1876.5442819670011,1876.5442819670011,1817.0487987229999,1846.2117080740009,1816.4138994659997]
["Risk-weighted assets (total RWA)",1728.1809669928123,1728.1809669928123,1659.4549475831873,1560.3076060222102,1572.3249461475777]
["Equity",279.42053808200001,279.42053808200001,273.10591155500003,265.20432450499999,274.72820593199998]
["Loans to customers",1181.277265406,1181.277265406,1156.1996886239999,1132.4205237679998,1128.341281195]
["Deposits from customers",1698.5371525139999,1698.5371525139999,1680.7128129749999,1687.1912144729999,1662.786992733]
[]
["Business outlets",98,98,98,98,98]
["Number of employees",1277,1277,1278,1288,1271]
["Number of customers in million",0.435502,0.435502,0.42965900000000001,0.431396,0.43393300000000001]

{"sheet":"SEE-HR","index":17,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Croatia"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",126.14211686899999,29.725629347999998,31.073839401000001,32.727351532000007,32.615296588000007]
["Dividend income",1.5535788E-2,-2.5399999999999997E-5,3.6036900000000001E-3,3.8449909999999999E-3,8.1125069999999997E-3]
["Net fee and commission income",70.733533867999995,15.680076415999999,21.138103418999997,17.546389433000002,16.368964600000002]
["Net trading and fair value result",3.8461817929999995,-2.2229843999999943E-2,-0.29335306199999955,2.0973309269999998,2.0644337720000001]
["Net gains/losses from hedge accounting",1.0187917999999999E-2,-2.05046E-3,-8.7630300000000015E-3,2.032299E-3,1.8969109000000001E-2]
["Other net operating income ",18.862184970000001,6.3246086549999987,2.285657112,3.4754383080000002,6.7764808949999997]
["Operating income",219.60974120599997,51.706008714999996,54.19908753,55.852387490000012,57.852257471000009]
["Staff expenses",-56.593594826999997,-14.156470596,-14.131759478999999,-14.145955759,-14.159408993000001]
["Other administrative expenses",-47.3862576,-12.407836473999998,-11.992546484999998,-11.483122729000002,-11.502751912000001]
["Depreciation ",-25.270233477000001,-6.382118577,-6.3313446369999999,-6.4127099989999996,-6.1440602640000002]
["General administrative expenses",-129.250085904,-32.946425646999998,-32.455650600999995,-32.041788486999998,-31.806221169000001]
["Operating result",90.359655301999965,18.759583067999998,21.743436929000005,23.810599003000014,26.046036302000008]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",-2.9633199009999998,0.50893733900000004,-0.180707283,-0.37887252599999999,-2.9126774310000001]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",-0.170902,0.50437200000000004,-0.17865600000000001,-0.230849,-0.26576899999999998]
["Resolution fund",-2.7924179009999999,4.5653389999999999E-3,-2.0512830000000001E-3,-0.14802352600000002,-2.646908431]
["Impairment losses on financial assets ",-47.525218631000008,-2.4378643600000003,-6.014910617,-32.263902828999996,-6.8085408250000006]
["Profit/loss before tax",39.87111677,16.830656046999998,15.547819028999999,-8.8321763519999994,16.324818046000001]
["Income taxes",-13.966904905,-2.7440476249999999,-0.80136086699999998,-7.3882545850000003,-3.0332418280000004]
["Profit/loss after tax",25.904211864999997,14.086608421999999,14.746458162,-16.220430937,13.291576218000001]
[]
["Return on equity before tax",6.1435160633276129E-2,0.10607138924024652,9.8934047157641453E-2,"–",9.6331335256302192E-2]
["Return on equity after tax",3.9914342659712054E-2,8.8777651958873632E-2,9.3834819183827162E-2,"–",7.8432438343769062E-2]
["Net interest margin (avg. interest bearing assets)",3.0496698779615725E-2,2.8432675282052268E-2,3.0565939562653483E-2,3.2229187311806816E-2,3.0754326592877849E-2]
["Cost/income ratio",0.58854441152844783,0.63718756225409801,0.59882282304172219,0.57368699758335073,0.54978357905815034]
["Loan/deposit ratio",0.72586425600210314,0.72586425600210314,0.73858845550083307,0.77576645763313545,0.76735878342594599]
["Provisioning ratio",1.9643184093680207E-2,4.1448032860810537E-3,1.0090785952623145E-2,5.2582952405295078E-2,1.096785660529695E-2]
["NPL ratio",0.13087023213256288,0.13087023213256288,0.17623513903379109,0.18107080728136571,0.16819914680059581]
["NPL coverage ratio",0.79368848270373693,0.79368848270373693,0.78132267611493444,0.75023762072952183,0.79311000356667571]
[]
["Assets",4606.0319659940005,4606.0319659939987,4481.9922788520025,4435.5321681960004,4637.1403859569991]
["Liabilities",3951.3841774170014,3951.3841774169987,3845.3890757830045,3807.4916329979997,3943.7828488559999]
["Risk-weighted assets (total RWA)",2678.3459840936571,2678.3459840936571,2790.5987822197599,2749.8947682519415,2797.4351253845261]
["Equity",654.64778857700003,654.64778857700003,636.60320306899996,628.04053519799902,693.35753710099993]
["Loans to customers",2362.3131913990001,2362.3131913990001,2343.076554236,2425.5594233699999,2483.0889279539997]
["Deposits from customers",3351.8629056440004,3351.8629056440004,3334.8236621739998,3296.8984773890002,3306.398160748]
[]
["Business outlets",75,75,75,78,78]
["Number of employees",2106,2106,2110,2110,2119]
["Number of customers in million",0.52084600000000003,0.52084600000000003,0.528362,0.52891200000000005,0.52849400000000002]

{"sheet":"SEE-KO","index":18,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Kosovo"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",37.870225000000005,9.5853450000000002,9.6466630000000002,9.3952790000000004,9.2429380000000005]
["Dividend income",0,0,0,0,0]
["Net fee and commission income",13.465567,3.3061709999999995,4.4213290000000001,3.2991580000000003,2.4389089999999998]
["Net trading and fair value result",0.17679199999999998,-6.6543999999999992E-2,-8.3505999999999997E-2,0.16888800000000001,0.15795399999999998]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",0.713534,0.21161700000000006,7.5912000000000021E-2,0.200761,0.225244]
["Operating income",52.226118000000007,13.036588999999999,14.060398000000001,13.064086000000001,12.065045000000001]
["Staff expenses",-12.746074,-3.8168310000000001,-2.9753850000000002,-3.0481790000000002,-2.9056790000000001]
["Other administrative expenses",-11.486806,-3.5104799999999998,-2.6242719999999999,-2.5974390000000001,-2.7546149999999998]
["Depreciation ",-3.3541319999999999,-0.82615099999999997,-0.83997999999999995,-0.987456,-0.70054499999999997]
["General administrative expenses",-27.587012000000001,-8.1534619999999993,-6.4396370000000003,-6.6330740000000006,-6.3608390000000004]
["Operating result",24.639106000000005,4.883127,7.6207610000000008,6.4310120000000008,5.704206000000001]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",-4.1546599999999998,-1.597305,-0.41999799999999998,-1.93947,-0.19788700000000001]
["Profit/loss before tax",20.484445999999998,3.285822,7.2007630000000002,4.4915419999999999,5.5063190000000004]
["Income taxes",-2.3566229999999999,-0.386017,-0.82596099999999995,-0.51382799999999995,-0.63081699999999996]
["Profit/loss after tax",18.127822999999999,2.8998050000000002,6.3748019999999999,3.9777140000000002,4.875502]
[]
["Return on equity before tax",0.18080134426720693,0.11950399026031799,0.26574423487124443,0.16597182435223626,0.18383875094225063]
["Return on equity after tax",0.16000114165829962,0.10546306816976819,0.23526380340770314,0.14698477346078623,0.16277777598323326]
["Net interest margin (avg. interest bearing assets)",4.4267921677740005E-2,4.4429043278098712E-2,4.5176104437413322E-2,4.4683945751839566E-2,4.2801797309675746E-2]
["Cost/income ratio",0.5282225265144157,0.62542909038552952,0.45799820175787342,0.50773349165031523,0.52721220683387426]
["Loan/deposit ratio",0.76238361229619667,0.76238361229619667,0.74556881583366497,0.77310047516377833,0.71061481618225397]
["Provisioning ratio",7.773815469400606E-3,1.1654170344760222E-2,3.1096270090516568E-3,1.4672796471306194E-2,1.5272178066834076E-3]
["NPL ratio",4.7774978656811934E-2,4.7774978656811934E-2,4.9948339204126543E-2,5.1835429947690526E-2,5.7730800562722451E-2]
["NPL coverage ratio",0.79053480016273459,0.79053480016273459,0.74134474633023395,0.72288273151599824,0.62176021853176844]
[]
["Assets",922.10699099999999,922.10699099999999,912.90187500000002,883.19970699999999,906.56246399999998]
["Liabilities",795.41019900000003,795.41019900000003,789.17805899999996,766.069705,793.46714599999996]
["Risk-weighted assets (total RWA)",579.54584832016803,579.54584832016803,590.35020304104557,564.50953048580982,556.42149349165391]
["Equity",126.696792,126.696792,123.723754,117.130002,113.09531800000001]
["Loans to customers",555.11566500000004,555.11566500000004,541.35363500000005,539.15666099999999,518.29411400000004]
["Deposits from customers",734.43365999999992,734.43365999999992,733.36779100000001,701.99889299999995,735.99339999999995]
[]
["Business outlets",48,48,48,48,48]
["Number of employees",730,730,727,732,732]
["Number of customers in million",0.25500499999999998,0.25500499999999998,0.25727499999999998,0.27205000000000001,0.26348500000000002]

{"sheet":"SEE-RS","index":19,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Serbia"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",81.067768895,20.721486508999998,20.537242397,19.968244649999999,19.840795339]
["Dividend income",0,0,0,0,0]
["Net fee and commission income",41.168703108000003,10.992873036999999,10.575677631,10.199623991999999,9.4005284479999993]
["Net trading and fair value result",4.1510536619999998,-6.8148874999999998E-2,2.1224385519999998,1.4525823660000001,0.64418161899999993]
["Net gains/losses from hedge accounting",0.14885270499999997,1.9468900000000001E-2,2.2153881E-2,-3.3267829999999998E-3,0.11055670699999999]
["Other net operating income ",2.2580622909999986,-1.6934964639999994,1.2732341720000002,1.443454958,1.2348696250000002]
["Operating income",128.79444066099998,29.972183106999999,34.530746633,33.060579183000002,31.230931738000002]
["Staff expenses",-31.023906144000001,-8.8665187880000005,-7.856658114,-6.8916551950000002,-7.4090740469999998]
["Other administrative expenses",-34.542034397000002,-9.5717628709999989,-8.6784465480000001,-8.3651171719999997,-7.9267078059999996]
["Depreciation ",-8.9836439529999996,-2.225793489,-2.2869889730000001,-2.248690442,-2.222171049]
["General administrative expenses",-74.549584494000001,-20.664075147999998,-18.822093635000002,-17.505462809000001,-17.557952902]
["Operating result",54.24485616699998,9.3081079590000009,15.708652997999998,15.555116374000001,13.672978836000002]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",8.5055914619999999,0.78876509100000003,8.6477606929999986,-1.405775693,0.47484137099999996]
["Profit/loss before tax",62.750447629,10.096873050000001,24.356413691,14.149340681,14.147820207000001]
["Income taxes",-7.9661649109999999,-1.2188227460000001,-3.0774696079999999,-1.944689388,-1.7251831689999999]
["Profit/loss after tax",54.784282718,8.8780503040000003,21.278944082999999,12.204651293,12.422637038000001]
[]
["Return on equity before tax",0.13341557070194929,8.9840684443320246E-2,0.21003640871312418,0.11873231060154341,0.12046691226885563]
["Return on equity after tax",0.11647847338953433,7.8995755604032533E-2,0.18349799171846123,0.10241370817801454,0.10577719424471925]
["Net interest margin (avg. interest bearing assets)",4.2004338863363903E-2,4.1968254806989326E-2,4.2219225647981078E-2,4.1637853026146719E-2,4.2981139335714104E-2]
["Cost/income ratio",0.57882610547004942,0.68944177587030375,0.54508215055542097,0.52949655576516474,0.56219753702181396]
["Loan/deposit ratio",0.76421451774310301,0.76421451774310301,0.80046780723319555,0.72181417296287476,0.74325264922517287]
["Provisioning ratio",-7.3943375761895743E-3,-2.5986273692706272E-3,-2.959132065576154E-2,5.0520657190450706E-3,-1.731244478357985E-3]
["NPL ratio",4.7386556184035943E-2,4.7386556184035943E-2,5.2099126139318302E-2,8.044136464617499E-2,0.10145618378565092]
["NPL coverage ratio",0.8379832326662624,0.8379832326662624,0.79675332788466424,0.90304814663173338,0.79992211105788724]
[]
["Assets",2277.1604542519999,2277.1604542520008,2238.7710511179998,2245.284807217,2136.8310222310001]
["Liabilities",1776.2420685469999,1776.2420685469999,1748.7855982599999,1737.034201339,1654.6709452280002]
["Risk-weighted assets (total RWA)",1733.9482966168512,1733.9482966168512,1662.9964840087707,1651.2176214814656,1681.4998913264224]
["Equity",500.91838570499999,500.91838570499999,489.98545285799997,508.25060587800004,482.16007700300003]
["Loans to customers",1219.2842243330001,1219.2842243330001,1213.290755253,1128.950901512,1097.1099158689999]
["Deposits from customers",1708.5072496779999,1708.5072496779999,1635.888378286,1681.1745687160001,1601.5382011460001]
[]
["Business outlets",89,89,88,87,87]
["Number of employees",1541,1541,1520,1523,1528]
["Number of customers in million",0.74400900000000003,0.74400900000000003,0.72872700000000001,0.71956799999999999,0.70972199999999996]

{"sheet":"SEE-RO","index":20,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Romania"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",262.96338879699999,70.817941090999994,65.037723196999991,64.479430691999994,62.628293817000007]
["Dividend income",1.468159738,4.8039229999999999E-3,-4.3731409999999997E-3,1.4566709750000002,1.1057981E-2]
["Net fee and commission income",176.26493990799997,48.518281214000005,43.429449544000001,43.539077174999996,40.778131975000008]
["Net trading and fair value result",11.993971831,0.29118199100000197,2.7788391759999995,5.0411803810000002,3.8827702830000002]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",-0.66534518099999929,-3.9253964110000004,-0.40017984400000084,3.7311499930000003,-7.0918918999998803E-2]
["Operating income",452.02511509299995,115.70681180800001,110.84145893199998,118.247509216,107.22933513700002]
["Staff expenses",-122.665759012,-30.829648899999999,-31.086516330999999,-30.502702802000002,-30.246890979]
["Other administrative expenses",-115.824838985,-32.474139645000001,-28.911782544000001,-26.997859733999999,-27.441057061999999]
["Depreciation ",-25.191812065000001,-7.4890883060000002,-5.7070131390000007,-6.2668285509999997,-5.728882069]
["General administrative expenses",-263.68241006200003,-70.792876851000003,-65.705312014,-63.767391087000007,-63.416830109999999]
["Operating result",188.34270503099992,44.913934957000009,45.13614691799998,54.48011812899999,43.812505027000022]
["Other results",-1.240555751,-1.3385798300000002,0.22987301599999999,-0.443969591,0.312120654]
["Net modification gains/losses",0,-3.9127399999999999E-4,3.9127399999999999E-4,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",-1.240555751,-1.3381885560000002,0.22948174199999999,-0.443969591,0.312120654]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",12.947294210999999,-5.4940468999999992E-2,-3.9005714000000011E-2,-2.7388012999999999E-2,13.068628407]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",21.356054,-9.0621999999999994E-2,-6.4338000000000006E-2,-4.5176000000000001E-2,21.556190000000001]
["Resolution fund",-8.4087597890000012,3.5681531000000002E-2,2.5332285999999999E-2,1.7787987000000002E-2,-8.4875615930000006]
["Impairment losses on financial assets ",-72.570829435999997,-5.1515634310000005,-21.007502143,-13.692593684,-32.719170178000006]
["Profit/loss before tax",127.47861405500001,38.368851227,24.319512076999999,40.316166840999998,24.474083910000001]
["Income taxes",-20.900045260000002,-6.0662436870000001,-5.4073362400000002,-5.7372679400000006,-3.6891973930000002]
["Profit/loss after tax",106.578568795,32.302607539999997,18.912175836999999,34.578898901000002,20.784886517]
[]
["Return on equity before tax",0.17519404206701725,0.21534849476909085,0.13758019655517434,0.22066528511478845,0.12962100088363238]
["Return on equity after tax",0.14647107990186262,0.18130117760540365,0.10698984670894685,0.18926309673593811,0.11008206899646095]
["Net interest margin (avg. interest bearing assets)",3.6219639268215455E-2,3.820064870728318E-2,3.5901669615526023E-2,3.5969426518245397E-2,3.5166903964905218E-2]
["Cost/income ratio",0.58333575117336078,0.61182981144162285,0.59278642348355859,0.53927048028147107,0.59141306834530316]
["Loan/deposit ratio",0.7438021397999548,0.7438021397999548,0.74492187504768614,0.74807037706856294,0.75922925017037957]
["Provisioning ratio",1.5850724587081061E-2,4.356451649830821E-3,1.8312296111664496E-2,1.2203062977475958E-2,2.9375145227072515E-2]
["NPL ratio",5.9705168493628169E-2,5.9705168493628169E-2,7.629443238664961E-2,7.9617852107220055E-2,8.119881294907462E-2]
["NPL coverage ratio",0.78268474411784295,0.78268474411784295,0.73683539238298046,0.7238428201510847,0.74858371367340015]
[]
["Assets",8144.4774661849997,8144.4774661850006,7795.0153762669988,7746.8044965670015,7669.9046110790005]
["Liabilities",7348.1677312640004,7348.1677312640031,7018.0704928729974,6980.3689761990017,6898.6746347550006]
["Risk-weighted assets (total RWA)",4522.6183279742463,4522.6183279742463,4615.7522051707319,4368.0837384716824,4311.243463327175]
["Equity",796.30973492099997,796.30973492099997,776.94488339400004,766.43552036800008,771.22997632399995]
["Loans to customers",4803.8099431139999,4803.8099431139999,4656.2990539869998,4521.1419462679996,4455.354337836]
["Deposits from customers",6487.4557260900001,6487.4557260900001,6172.2370934709998,6017.7638015960001,5837.6777502469995]
[]
["Business outlets",454,454,460,469,480]
["Number of employees",5333,5333,5372,5330,5368]
["Number of customers in million",2.32063,2.32063,2.2971870000000001,2.2998449999999999,2.3091409999999999]

{"sheet":"EE-BY","index":21,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Belarus"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",106.53022372400001,21.641652163999996,24.438013036999997,29.483415934999996,30.967142588000002]
["Dividend income",2.2354228E-2,-5.1753399999999994E-4,-7.6273699999999999E-4,2.3634499E-2,0]
["Net fee and commission income",52.185489717999999,12.895065238000001,13.262862362000003,12.873897873000002,13.153664244999998]
["Net trading and fair value result",4.4715118230000019,1.2250410590000003,1.4416535749999984,2.4696034130000002,-0.66478622400000109]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",-0.62438875699999929,0.95009839700000021,-0.43979499999999988,-0.64888260700000011,-0.48580954700000012]
["Operating income",162.58519073600004,36.711339323999994,38.701971237000002,44.201669113000001,42.970211061999997]
["Staff expenses",-38.556095386999999,-9.9033327189999998,-8.765981902,-9.5166739420000006,-10.370106823999999]
["Other administrative expenses",-26.525733844000001,-6.1697275459999998,-6.5005355339999999,-7.0996263210000006,-6.755844443]
["Depreciation ",-9.4379668760000008,-2.3001298070000002,-2.2774045490000003,-2.4177744190000001,-2.4426581009999997]
["General administrative expenses",-74.519796107000005,-18.373190072,-17.543921985000001,-19.034074682,-19.568609367999997]
["Operating result",88.065394629000039,18.338149251999994,21.158049252000001,25.167594431000001,23.401601694]
["Other results",0,0,0,0,0]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",0,0,0,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,0,0]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",0.25648572800000002,3.7082830819999999,-3.670497922,0.113971566,0.10472900200000002]
["Profit/loss before tax",88.321880356999998,22.046432333999999,17.487551329999999,25.281565997000001,23.506330695999999]
["Income taxes",-23.122288818999998,-5.745645573,-5.4502778279999999,-6.9738486349999995,-4.9525167830000001]
["Profit/loss after tax",65.199591538000007,16.300786761000001,12.037273502,18.307717361999998,18.553813912999999]
[]
["Return on equity before tax",0.27523447349776836,0.32963805162803383,0.23928487472551646,0.29790904371966309,0.25684569762077603]
["Return on equity after tax",0.20317927082874512,0.24372921235420045,0.16470787861948735,0.2157316747170839,0.20273122758463827]
["Net interest margin (avg. interest bearing assets)",8.0557462660443779E-2,6.4379459827327803E-2,7.5664156574853036E-2,8.9868681345837323E-2,9.2911744819261621E-2]
["Cost/income ratio",0.45834307398883928,0.50047724791093484,0.45330822757233608,0.43061891245192724,0.45539942402808398]
["Loan/deposit ratio",0.98649311382093385,0.98649311382093385,0.99255552326253427,0.99235996436600815,1.0318942113103953]
["Provisioning ratio",-2.7993530882165351E-4,-1.6199428830708108E-2,1.6665060454211643E-2,-5.0240071850770924E-4,-4.4803180912259308E-4]
["NPL ratio",5.9975177233725349E-2,5.9975177233725349E-2,7.7217763083720706E-2,8.2200454952585739E-2,8.7940726420038126E-2]
["NPL coverage ratio",0.87946078832551144,0.87946078832551144,0.81819204293144054,0.75972004277302974,0.72047373960389804]
[]
["Assets",1517.7215833350001,1517.7215833350001,1441.2978965560001,1472.0206547320001,1532.792235294]
["Liabilities",1201.7924901749991,1201.7924901749991,1135.1395958920011,1114.6660606620001,1158.1246609]
["Risk-weighted assets (total RWA)",1465.0077191912853,1465.0077191912853,1335.4203457213032,1401.6109930866496,1478.9549704743285]
["Equity",315.92909316000004,315.92909316000004,306.15830066400099,357.35459407000002,374.66757439399998]
["Loans to customers",949.12393121400009,949.12393121400009,882.19154083300009,879.81727135699998,935.01398666399996]
["Deposits from customers",975.02382812999997,975.02382812999997,901.58062378,902.97793491100015,921.77478088299995]
[]
["Business outlets",90,90,90,90,90]
["Number of employees",1906,1906,1919,1951,2000]
["Number of customers in million",0.75928899999999999,0.75928899999999999,0.75910900000000003,0.75719499999999995,0.76182399999999995]

{"sheet":"EE-RU","index":22,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Russia"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",688.00387471100021,181.52841221999998,165.870915693,172.74458202900004,167.85996476899999]
["Dividend income",3.4379758869999999,-4.4055817000000004E-2,1.322480584,2.1595511200000002,0]
["Net fee and commission income",316.70961272199997,82.350793776000003,76.900250349999993,82.140132343000005,75.318436252999987]
["Net trading and fair value result",46.256483029999998,12.308938166000001,1.4619985279999987,16.560003297000002,15.925543039000001]
["Net gains/losses from hedge accounting",-20.109446594999998,-20.109446594999998,6.0125177839999999,-2.928353209,-3.0841645750000004]
["Other net operating income ",-17.159529183000004,-10.076968871,-3.6194989500000001,-1.9629352529999999,-1.500126109]
["Operating income",1017.1389705720002,245.957672879,247.94866398900001,268.71298032699997,254.519653377]
["Staff expenses",-210.79283547899999,-54.196204373,-48.111082863999997,-52.991858479999998,-55.493689762000002]
["Other administrative expenses",-145.79168586399999,-42.967369262000005,-34.755403902999994,-37.814214616999998,-30.254698081999997]
["Depreciation ",-47.282800260999998,-11.157493835999999,-10.875093007999999,-10.599906486,-14.650306930999999]
["General administrative expenses",-403.86732160399998,-108.32106747100001,-93.741579774999991,-101.40597958299999,-100.39869477500001]
["Operating result",613.27164896800014,137.63660540799998,154.20708421400002,167.30700074399999,154.12095860199997]
["Other results",-0.82770916499999991,-1.0861964830000002,-0.17524711000000001,0.29515147200000003,0.13858295599999998]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",-1.3125318829999999,-1.0799837400000001,-0.27585405800000001,0.13963177400000001,-9.6325859E-2]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0.48482271799999999,-6.2127430000000006E-3,0.100606948,0.15551969800000001,0.23490881499999999]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",-49.932843331000008,-29.634901723000002,-6.5609005470000001,-10.071668917000002,-3.665372144]
["Profit/loss before tax",562.51109647199996,106.915507202,147.47093655700002,157.530483299,150.59416941399999]
["Income taxes",-119.753936014,-20.845597215999998,-32.028929314000003,-34.727995813,-32.151413671]
["Profit/loss after tax",442.75716045799999,86.069909985999999,115.44200724300001,122.802487486,118.44275574300001]
[]
["Return on equity before tax",0.34475339736449534,0.31023513701835775,0.39166970568337528,0.35797748958396425,0.32006176202829073]
["Return on equity after tax",0.27135826516458739,0.24974777762908007,0.30660371495911515,0.2790604412862609,0.25172951417356443]
["Net interest margin (avg. interest bearing assets)",5.9319828285984762E-2,6.3928503187280133E-2,5.858563843222387E-2,5.9582484451607479E-2,5.4324845361169799E-2]
["Cost/income ratio",0.39706208619347311,0.44040531935057392,0.37806850122474855,0.3773765579154304,0.39446342725560479]
["Loan/deposit ratio",0.87574641001480025,0.87574641001480025,0.85604798380231528,0.8512852793742206,0.93009043705754724]
["Provisioning ratio",6.324790013324681E-3,1.5414166968439795E-2,3.5246466531449173E-3,5.1069026809469108E-3,1.7630528261082517E-3]
["NPL ratio",4.0914262713103867E-2,4.0914262713103867E-2,4.688211476938494E-2,6.0678707415907356E-2,5.6358296708855796E-2]
["NPL coverage ratio",0.75448580501205198,0.75448580501205198,0.69900910550848516,0.73138345173383523,0.76148773694180494]
[]
["Assets",12060.229820286004,12060.229820286004,11904.236330652,11978.266689832999,13073.314391327003]
["Liabilities",10390.675454624004,10390.675454624004,10105.675855648005,10169.428319192,11003.873779981002]
["Risk-weighted assets (total RWA)",7900.7280757300596,7900.7280757300596,8207.9790343319237,8049.0389007374697,9338.3042552144543]
["Equity",1669.554365662,1669.554365662,1798.560475004,1808.8383706409991,2069.440611346]
["Loans to customers",7950.5007727840002,7950.5007727840002,7430.104242681,7461.3755398859994,8315.9666907789979]
["Deposits from customers",9200.1400472389996,9200.1400472389996,8787.1982853959998,8810.8846253379998,9115.3497213030005]
[]
["Business outlets",185,185,184,183,182]
["Number of employees",8229,8229,7966,7912,7895]
["Number of customers in million",2.4710269999999999,2.4710269999999999,2.420229,2.393008,2.401872]

{"sheet":"EE-UA","index":23,"n_rows":51,"n_cols":6,"rows_kept":51,"cut":false,"hidden":false,"merged":[[0,6,3,6]]}
["Ukraine"]
[]
[]
["\n€ million","1/1-31/12\n2017","Q4\n2017","Q3\n2017","Q2\n2017","Q1\n2017"]
["Net interest income",187.778485375,47.953530137999998,47.755401438999996,46.506355067000001,45.563198730999993]
["Dividend income",4.4349999999999999E-6,-9.5999999999999999E-8,4.5309999999999995E-6,0,0]
["Net fee and commission income",93.049763759000001,23.921067528000002,25.348771151000001,22.664353667,21.115571413000005]
["Net trading and fair value result",2.6933645910000008,-2.8893728189999992,-0.53407971099999996,2.6049845140000003,3.5118326070000001]
["Net gains/losses from hedge accounting",0,0,0,0,0]
["Other net operating income ",4.8574613949999996,1.3899562059999999,0.93698036900000004,1.2549368669999998,1.2755879530000003]
["Operating income",288.37907955499998,70.375180956999984,73.507077778999985,73.030630114999994,71.466190703999999]
["Staff expenses",-59.111720071000001,-15.019281485999999,-15.032161513,-14.041327937999998,-15.018949134]
["Other administrative expenses",-47.464811115000003,-11.861191346999998,-11.817429313,-11.456178,-12.330012455]
["Depreciation ",-15.435950857999998,-3.3447725619999997,-3.465562899,-3.811589713,-4.8140256840000006]
["General administrative expenses",-122.01248204400001,-30.225245394999998,-30.315153725000002,-29.309095650999996,-32.162987272999999]
["Operating result",166.36659751099995,40.149935561999982,43.191924053999983,43.721534464000001,39.303203431]
["Other results",0.16830189100000004,-0.37344571799999998,0.35582832199999997,0.117952866,6.7966420999999999E-2]
["Net modification gains/losses",0,0,0,0,0]
["Impairment on investments in  subsidiaries, joint ventures and associates",0,0,0,0,0]
["Impairment on non-financial assets",-0.46748217800000003,-0.46110243099999998,-4.0853390000000003E-3,-6.7557500000000009E-4,-1.6188330000000001E-3]
["Negative goodwill recognized in profit or loss",0,0,0,0,0]
["Current income from investments in subsidaries, joint ventures and associates",0,0,0,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0.63578406900000006,8.7656712999999997E-2,0.359913661,0.118628441,6.9585253999999999E-2]
["Levies and special governmental measures",0,0,0,0,0]
["Bank levies",0,0,0,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,0,0]
["Resolution fund",0,0,0,0,0]
["Impairment losses on financial assets ",54.951199695,12.576377430999999,8.3666356109999995,12.353455099,21.654731554000001]
["Profit/loss before tax",221.48609909699999,52.352867275000001,51.914387987000005,56.192942428999999,61.025901406000003]
["Income taxes",-40.891207021,-10.396995291,-9.6341572329999998,-10.022268670000001,-10.837785826999999]
["Profit/loss after tax",180.59489207600001,41.955871983999998,42.280230754000002,46.170673759000003,50.188115579000005]
[]
["Return on equity before tax",1.0548908089846414,1.4740001598453096,1.525908805904175,1.0670475086181153,0.81238287410967969]
["Return on equity after tax",0.86013475597739109,1.1812717283158738,1.2427340266368516,0.87673469794433867,0.66810919035998884]
["Net interest margin (avg. interest bearing assets)",0.10534443453393376,0.11045309957279303,0.10672533658646778,0.10221251442591738,0.10103207125841525]
["Cost/income ratio",0.42309755004516419,0.42948728492034632,0.41241135739530976,0.40132606832020357,0.4500447967936792]
["Loan/deposit ratio",0.72678320102035887,0.72678320102035887,0.723635779107626,0.61827247298921861,0.62430429238771346]
["Provisioning ratio",-5.1197380373148603E-2,-4.3876200318687046E-2,-3.0298810270182927E-2,-4.7966812997548985E-2,-8.5490193174865406E-2]
["NPL ratio",0.20567638046404083,0.20567638046404083,0.33272977728211695,0.40472568397216979,0.47361407566051417]
["NPL coverage ratio",0.80470261390881004,0.80470261390881004,0.8932011209172056,0.90830442528432509,0.92010255046766853]
[]
["Assets",2004.136332365,2004.136332365,2038.742150158999,2111.244331977,2073.6641431170001]
["Liabilities",1710.4927824420001,1710.4927824420001,1770.80598379,1871.899167781,1745.133397826]
["Risk-weighted assets (total RWA)",1880.9391922150585,1880.9391922150585,1792.8688338299905,1916.9801738732519,1892.6022534870674]
["Equity",293.64354992299997,293.64354992299997,267.93616636899901,239.34516419600001,328.53074529100002]
["Loans to customers",1131.0970914869999,1131.0970914869999,1161.9688239120001,1047.1306189750001,1013.2030704250001]
["Deposits from customers",1555.5958128459999,1555.5958128459999,1616.9476979679998,1699.740745133,1643.530777079]
[]
["Business outlets",500,500,499,498,498]
["Number of employees",7997,7997,7939,7904,8039]
["Number of customers in million",2.5035940000000001,2.5035940000000001,2.5511629999999998,2.54725,2.5532599999999999]