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{"sheet":"RBI Overv. excl. RU_BY 17 Oct.","index":0,"n_rows":65,"n_cols":21,"rows_kept":65,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18],[62,0,62,4]]}
["RBI Overview excl. RU/BY (management planning and steering view - published 17 October 2024)",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-30/6\n2024","1/1-30/6\n2023","YoY Change\nabsolute","YoY Change\nin percent",null,"Q2\n2024","Q1\n2024","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q2\n2024","Q1\n2024","Q4\n2023","Q3\n2023","Q2\n2023",null,null,"1/1-31/12\n2023","1/1-31/12\n2022"]
["Net interest income",2095.6775523149995,2000.7402532780002,94.93729903699932,4.74510866072968E-2,null,1034.647079832999,1061.0304724820005,-26.383392649001507,-2.4865819911170428E-2,null,null,1034.647079832999,1061.0304724820005,1092.347167216999,1082.5774762430005,1020.8327978220002,null,null,4175.6648967379997,3363.7742627950006]
["Dividend income",27.293643008,17.138057611000001,10.155585396999999,0.59257505299093371,null,21.232365192,6.0612778159999996,15.171087375999999,2.5029519907424089,null,null,21.232365192,6.0612778159999996,8.2643630080000037,9.6725878899999955,6.5566870609999999,null,null,35.075008509,64.892441140000003]
["Current income from investments in associates",32.911694025999999,49.206359354,-16.294665328000001,-0.3311495819223903,null,15.689220620999997,17.222473405000002,-1.5332527840000054,-8.9026282575351501E-2,null,null,15.689220620999997,17.222473405000002,12.919977930000002,19.585969004000006,20.334809870000001,null,null,81.712306288000008,57.549243482000001]
["Net fee and commission income",896.40985802,871.24365199599993,25.166206024000076,2.8885382368462498E-2,null,463.45145713499994,432.95840088500006,30.493056249999881,7.0429528997866253E-2,null,null,463.45145713499994,432.95840088500006,461.34064840899987,431.74256931399964,426.00670378299992,null,null,1764.3268697189994,1764.0341074359994]
["Net trading income and fair value result",20.488830138000004,38.934786933000026,-18.445956795000022,-0.47376544853686486,null,28.840102155000011,-8.3512720170000048,37.191374172000017,"–",null,null,28.840102155000011,-8.3512720170000048,-25.710173837000028,43.583016708000045,-16.881289903999956,null,null,56.807629804000044,235.9640939300001]
["Net gains/losses from hedge accounting",1.6728289620000001,-15.146243087000002,16.819072049000003,"–",null,-4.2993075109999985,5.9721364729999991,-10.271443983999998,"–",null,null,-4.2993075109999985,5.9721364729999991,-16.333202387000004,5.9259627200000011,-6.3270654740000012,null,null,-25.553482754000004,-11.662599112000006]
["Other net operating income ",60.99149650999999,85.140884296999985,-24.149387786999995,-0.28364032140844142,null,26.280094620999996,34.711401888999994,-8.4313072679999976,-0.24289734234767024,null,null,26.280094620999996,34.711401888999994,10.314051230000018,18.158668059999926,61.373556810999972,null,null,113.61360358699993,117.154433748]
["Operating income",3135.4459029789987,3047.2577513819997,88.188151596998978,2.8940168109180764E-2,null,1585.8410120459985,1549.6048909330002,36.236121112998262,2.3384103473744755E-2,null,null,1585.8410120459985,1549.6048909330002,1543.1428315699959,1611.2462489390018,1511.8962009689999,null,null,6201.6468318909974,5591.7059834190004]
["Staff expenses",-826.38451586400004,-767.88279878599997,-58.50171707800007,7.6185737160006095E-2,null,-418.78809579200004,-407.596420072,-11.191675720000035,2.7457738019443623E-2,null,null,-418.78809579200004,-407.596420072,-428.1024359400003,-393.11541906399998,-403.51433546600003,null,null,-1589.1006537900003,-1436.909698594]
["Other administrative expenses",-566.97070749799991,-550.35772572899998,-16.61298176899993,3.0185788247079737E-2,null,-292.34136537699993,-274.62934212099998,-17.712023255999952,6.449428571327287E-2,null,null,-292.34136537699993,-274.62934212099998,-310.83827739399987,-246.52762170200003,-297.70770811099999,null,null,-1107.7236248249999,-954.07379788099979]
["Depreciation ",-206.84522176299998,-201.33494357900003,-5.5102781839999579,2.7368712485013047E-2,null,-105.41326638699999,-101.43195537599999,-3.9813110110000025,3.9251052552833121E-2,null,null,-105.41326638699999,-101.43195537599999,-118.50128793800002,-104.46397160799995,-103.05902874700003,null,null,-424.300203125,-399.50936078000001]
["General administrative expenses",-1600.200445125,-1519.5754680939999,-80.624977031000071,5.3057566882234397E-2,null,-816.54272755599993,-783.65771756900006,-32.885009986999876,4.1963486417275542E-2,null,null,-816.54272755599993,-783.65771756900006,-857.4420012720002,-744.10701237400008,-804.28107232399987,null,null,-3121.1244817400002,-2790.4928572549998]
["Operating result",1535.2454578539996,1527.6822832879996,7.5631745660000433,4.950750983196528E-3,null,769.29828448999922,765.94717336400038,3.3511111259983863,4.3751204293644985E-3,null,null,769.29828448999922,765.94717336400038,685.70083029799707,867.13923656500151,707.61512864499991,null,null,3080.5223501509981,2801.2131261639997]
["Other result",-386.05739166299998,-447.38530402599997,61.327912362999996,-0.13708074854295149,null,-246.91770428899997,-139.139687374,-107.77801691499997,0.77460298315388942,null,null,-246.91770428899997,-139.139687374,-308.88524118299995,-138.55179296300003,-351.44390585499997,null,null,-894.82233817199995,-658.10343281899998]
["Net modification gains/losses",-8.433982576,-6.8887745740000002,-1.5452080019999999,0.2243081095775743,null,-4.1280780089999993,-4.3059045669999998,0.17782655800000047,-4.1298304510240302E-2,null,null,-4.1280780089999993,-4.3059045669999998,-21.543058812999998,1.5546648139999999,-8.8026914739999995,null,null,-26.877168572999999,-11.040792167000001]
["Impairment or reversal of impairment on investments in subsidiaries and associates",11.065036409999999,-8.8925846780000004,19.957621088,"–",null,41.572915409999993,-30.507878999999999,72.080794409999996,"–",null,null,41.572915409999993,-30.507878999999999,-2.726829455999999,32.602744657000002,-1.0335162410000001,null,null,20.983330522999999,-67.306504097000001]
["Impairment on non-financial assets",-5.7270468999999991E-2,-5.7066684460000001,5.6493979770000005,-0.98996429010342402,null,-1.099035655,1.0417651860000001,-2.1408008409999999,"–",null,null,-1.099035655,1.0417651860000001,-14.406633521,3.347865573,-0.61339406099999993,null,null,-16.765436393999998,-79.27692691099999]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",3.0714019720000003,3.1711014909999999,-9.9699518999999626E-2,-3.1440027789384817E-2,null,-0.78207203499999989,3.8534740069999995,-4.6355460419999996,"–",null,null,-0.78207203499999989,3.8534740069999995,2.6083126069999998,-0.16076882599999998,2.9327337400000002,null,null,5.6186452720000002,9.6224813559999998]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",-391.70257599999997,-428.96019899999999,37.257623000000024,-8.6855664201144323E-2,null,-282.48143499999998,-109.22114099999999,-173.26029399999999,1.586325618041291,null,null,-282.48143499999998,-109.22114099999999,-272.81703199999998,-175.89626899999999,-343.81892900000003,null,null,-877.6735000000001,-510.18655799999999]
["Governmental measures and compulsory contributions",-142.25409797099999,-212.76737594800002,70.51327797700003,-0.33141019699483132,null,-11.963400122999998,-130.29069784800001,118.32729772500001,-0.90817916919167352,null,null,-11.963400122999998,-130.29069784800001,-14.900239351000039,-12.474834960999942,9.5361337100000014,null,null,-240.14245026,-281.40127218100002]
["Bank levies",-88.920097892000001,-93.522389262000004,4.6022913700000032,-4.9210583757722803E-2,null,-12.22953186,-76.690566032000007,64.461034172000012,-0.84053407749139453,null,null,-12.22953186,-76.690566032000007,-1.0938570220000001,-0.75910078700000005,-2.0012916229999997,null,null,-95.375347070999993,-87.152038501000007]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-15.439850847999999,-74.025547979000009,58.585697131000011,-0.79142537583943229,null,0.78473246200000002,-16.22458331,17.009315772000001,"–",null,null,0.78473246200000002,-16.22458331,-1.8803559999999999E-3,-2.4984791000000003E-2,22.443326044999999,null,null,-74.052413126000005,-89.403520020000002]
["Deposit insurance fees",-37.736127355000008,-45.065741431999996,7.329614076999988,-0.1626427047263761,null,-0.43438095199999921,-37.301746403000003,36.867365451000005,-0.98835494329656737,null,null,-0.43438095199999921,-37.301746403000003,-13.69182215,-11.544505759999998,-10.829303128000003,null,null,-70.302069341999996,-78.654128895999975]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-25.745495456]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment losses on financial assets ",-79.911586716000002,-61.151016373999965,-18.760570342000037,0.30679081811592934,null,-77.148752293999991,-2.7628344220000045,-74.385917871999993,">500,0%",null,null,-77.148752293999991,-2.7628344220000045,-194.51949561099994,-35.163473156000066,-39.209032692999955,null,null,-290.83398514099997,-467.33930432800008]
["Profit/loss before tax",927.02238150400024,806.37858693999999,120.64379456400025,0.14961185294095225,null,433.26842778399993,493.75395372000014,-60.485525936000215,-0.12250135007587315,null,null,433.26842778399993,493.75395372000014,167.39585415300007,680.9491354849996,326.4983238070003,null,null,1654.7235765779997,1394.3691168359992]
["Income taxes",-270.57038656099996,-188.25916350599999,-82.311223054999971,0.4372229299339081,null,-137.762582933,-132.80780362799999,-4.9547793050000166,3.7307892831949463E-2,null,null,-137.762582933,-132.80780362799999,-193.90996695800015,-112.30799586199993,-100.38857152999999,null,null,-494.47712632600008,-256.92084833899992]
["Profit/loss after tax from continuing operations",656.45199494300027,618.11942343399994,38.332571509000331,6.201483088177584E-2,null,295.50584485099995,360.94615009200015,-65.440305241000203,-0.18130212837654702,null,null,295.50584485099995,360.94615009200015,-26.514112805000195,568.64113962299973,226.10975227700015,null,null,1160.2464502519995,1137.4482684969994]
["Gains/losses from discontinued operations",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,452.90588732099997]
["Profit/loss after tax",656.45199494300027,618.11942343399994,38.332571509000331,6.201483088177584E-2,null,295.50584485099995,360.94615009200015,-65.440305241000203,-0.18130212837654702,null,null,295.50584485099995,360.94615009200015,-26.514112805000195,568.64113962299973,226.10975227700015,null,null,1160.2464502519995,1590.3541558179991]
[]
["Return on equity before tax2",0.12494961634592043,0.11255591069479691,1.2393705651123521,0.11011154878156426,null,0.11813958807204407,0.13134912818492617,-1.3209540112882099,-0.10056815979992206,null,null,0.11813958807204407,0.13134912818492617,4.7277659423170373E-2,0.18992803785677501,9.0985356582853505E-2,null,null,0.11587422648991719,0.10785341994213007]
["Return on equity after tax2",8.8480522751314003E-2,8.627832601764697E-2,0.22021967336670334,2.5524333112543207E-2,null,8.0575773688690941E-2,9.6019407599873402E-2,-1.5443633911182462,-0.16083867102719784,null,null,8.0575773688690941E-2,9.6019407599873402E-2,"–",0.15860347005640493,6.3010052271707459E-2,null,null,8.1247805878999421E-2,0.12301909701657311]
["Consolidated return on equity2",8.2307396827118198E-2,8.1835170145509145E-2,4.7222668160905312E-2,5.7704612915130404E-3,null,7.2958021368426357E-2,9.1133808957135257E-2,-1.81757875887089,-0.19944066638603763,null,null,7.2958021368426357E-2,9.1133808957135257E-2,"–",0.1627154427717504,5.2239740561844016E-2,null,null,7.4912720665691865E-2,0.12930392777876676]
["Net interest margin (avg. interest bearing assets)",2.3502416726892451E-2,2.2346438267158663E-2,0.11559784597337877,5.1729875066160558E-2,null,2.3177161054207619E-2,2.3918793845437547E-2,-7.4163279122992781E-2,-3.1006278829205813E-2,null,null,2.3177161054207619E-2,2.3918793845437547E-2,2.4637246139125622E-2,2.4478822808389134E-2,2.2776968843927003E-2,null,null,2.3423542822679555E-2,1.9712700170667102E-2]
["Cost/income ratio1",0.50494286190721838,0.49303741384654209,1.1905448060676282,2.4147149336585239E-2,null,0.50805176085551351,0.50174599471617221,0.63057661393413067,1.2567646190994264E-2,null,null,0.50805176085551351,0.50174599471617221,0.54890356876442836,0.45465294950678969,0.5250367257047569,null,null,0.49759111901466407,0.49358999063346798]
["Loan/deposit ratio3",0.89603254935702847,0.94620243871079612,-5.0169889353767649,-5.3022363187019805E-2,null,0.89603254935702847,0.9097351173589594,-1.3702568001930926,-1.5062151323465112E-2,null,null,0.89603254935702847,0.9097351173589594,0.90961781963529742,0.93100365403424379,0.94620243871079612,null,null,0.90961781963529742,0.91508506892332375]
["Provisioning ratio (avg. loans and advances to customers)",1.8623794476004482E-3,3.6607822725491626E-4,0.1496301220345532,4.0873810812670701,null,3.2453711557930975E-3,4.8436218942237151E-4,0.2761008966370726,">500,0%",null,null,3.2453711557930975E-3,4.8436218942237151E-4,7.9375718273926137E-3,1.80032389379731E-3,4.0550092848767947E-4,null,null,2.589045788211865E-3,4.5254829855675598E-3]
["NPE ratio",1.8796674914275217E-2,1.5033944049593406E-2,0.37627308646818114,0.25028235120933373,null,1.8796674914275217E-2,1.975194580435E-2,-9.5527089007478236E-2,-4.8363381488440549E-2,null,null,1.8796674914275217E-2,1.975194580435E-2,1.9525640646987676E-2,1.5417939772169651E-2,1.5033944049593406E-2,null,null,1.9525640646987676E-2,1.5953354455762743E-2]
["NPE coverage ratio",0.51331044471748899,0.55925035982631621,-4.5939915108827218,-8.2145526241761524E-2,null,0.51331044471748899,0.48137915452457319,3.1931290192915798,6.6332930898207021E-2,null,null,0.51331044471748899,0.48137915452457319,0.49685448988431247,0.56814617417328572,0.55925035982631621,null,null,0.49685448988431247,0.57784345500215872]
[]
["Assets",188063.38831525203,184386.75908179898,3676.6292334530444,1.993976819030685E-2,null,188063.38831525203,183044.32079336399,5019.0675218880351,2.7419957637221604E-2,null,null,188063.38831525203,183044.32079336399,178465.10411300702,183622.37342912302,184386.75908179898,null,null,178465.10411300702,182520.06249733499]
["Total risk-weighted assets (RWA) ",75665.543461058551,83989.684909541204,-8324.1414484826528,-9.9109092473057214E-2,null,75665.543461058551,75045.158302548618,620.38515850993281,8.2668245699317744E-3,null,null,75665.543461058551,75045.158302548618,76444.72460736311,82944.253097059162,83989.684909541204,null,null,76444.72460736311,80426.333062159814]
["Equity",15119.526061801002,14907.884563521002,211.64149827999972,1.419661504475811E-2,null,15119.526061801002,15251.014486149001,-131.48842434799917,-8.6216182187366375E-3,null,null,15119.526061801002,15251.014486149001,15021.297528904001,15438.789661749002,14907.884563521002,null,null,15021.297528904001,14113.437341792998]
["Loans to customers",95290.083179960013,94300.355880856994,989.72729910301859,1.0495477878720738E-2,null,95290.083179960013,93830.517134055,1459.5660459050123,1.5555344790647796E-2,null,null,95290.083179960013,93830.517134055,92814.675810796994,94963.95724410699,94300.355880856994,null,null,92814.675810796994,93922.241523892008]
["  Hereof non-financial corporations %3",0.45729505184242708,0.45911128191324446,-0.18162300708173817,-3.9559691568646915E-3,null,0.45729505184242708,0.45635377162127794,9.4128022114914334E-2,2.0626108069734528E-3,null,null,0.45729505184242708,0.45635377162127794,0.46128056918860949,0.45505657037774477,0.45911128191324446,null,null,0.46128056918860949,0.46519201681450112]
["  Hereof households %",0.39056891964358154,0.39604105962385255,-0.5472139980271018,-1.3817102664729464E-2,null,0.39056891964358154,0.39152667374959571,-9.5775410601417477E-2,-2.4462039759434173E-3,null,null,0.39056891964358154,0.39152667374959571,0.39749383532622606,0.38989602670864532,0.39604105962385255,null,null,0.39749383532622606,0.39126976533777452]
["  Hereof FCY %","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Deposits from customers",108830.239491481,101197.68989371402,7632.549597766978,7.5422172243094554E-2,null,108830.239491481,104687.29638412,4142.9431073610031,3.9574458892888575E-2,null,null,108830.239491481,104687.29638412,102976.37901561799,103673.93913254101,101197.68989371402,null,null,102976.37901561799,103111.05486825701]
[]
["Business outlets",1329,1396,-67,-4.7994269340974172E-2,null,1329,1342,-13,-9.6870342771981921E-3,null,null,1329,1342,1350,1373,1396,null,null,1350,1481]
["Number of employees",33485,33084,401,1.212066255591826E-2,null,33485,33533,-48,-1.4314257596993452E-3,null,null,33485,33533,33335,33294,33084,null,null,33335,33264]
["Number of customers in million",14.348922999999999,14.116882,0.23204099999999883,1.6437128255375244E-2,null,14.348922999999999,14.348841000000002,8.1999999997250939E-5,5.7147472745100458E-6,null,null,14.348922999999999,14.348841000000002,14.340956999999998,14.213763,14.116882,null,null,14.340956999999998,13.901621000000002]
[]
["1 From 1 January 2024, the calculation of the cost/income ratio has been slightly adjusted, the calculation is now exclusive of financial transaction tax (figures of previous periods were adapted)."]
["2 RoE calculation under the assumption of price-book value 0 for Russia"]
["3 Adaption of previous years' figures due different allocation"]

{"sheet":"RBI Overv. excl. RU_BY 30 Jul.","index":1,"n_rows":65,"n_cols":21,"rows_kept":65,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18],[1,0,1,8]]}
["RBI Overview excl. RU/BY (as originally published with Q2 results on 30 July 2024)",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-30/6\n2024","1/1-30/6\n2023","YoY Change\nabsolute","YoY Change\nin percent",null,"Q2\n2024","Q1\n2024","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q2\n2024","Q1\n2024","Q4\n2023","Q3\n2023","Q2\n2023",null,null,"1/1-31/12\n2023","1/1-31/12\n2022"]
["Net interest income",2159.1388217029994,2036.1115198470002,123.02730185599921,6.0422673638840685E-2,null,1066.7074487410002,1092.4313729620005,-25.723924221000289,-2.3547405226245766E-2,null,null,1066.7074487410002,1092.4313729620005,1122.8727381890003,1122.8100550269999,1039.2407822110001,null,null,4281.7943130629992,3399.4014712800004]
["Dividend income",27.293248007999999,17.137556611000001,10.155691396999998,0.59259856159899793,null,21.231970191999999,6.0612778159999996,15.170692375999998,2.5028868229655816,null,null,21.231970191999999,6.0612778159999996,8.2643630080000001,9.64248789,6.556186061,null,null,35.044407509000003,64.160190139999997]
["Current income from investments in associates",32.911694025999999,49.206359354,-16.294665328000001,-0.3311495819223903,null,15.689220620999999,17.222473405000002,-1.5332527840000036,-8.902628257535139E-2,null,null,15.689220620999999,17.222473405000002,12.91997793,19.585969003999999,20.334809870000001,null,null,81.712306288000008,57.549243482000001]
["Net fee and commission income",882.4461880450001,845.95104572399987,36.49514232100023,4.3140962477050016E-2,null,455.88171881799991,426.56446922700002,29.317249590999893,6.8728766003711472E-2,null,null,455.88171881799991,426.56446922700002,453.40196544899999,424.73187850900001,417.02197367199989,null,null,1724.0848896819998,1738.7249511489995]
["Net trading income and fair value result",25.230638603999999,13.483382797000008,11.747255806999991,0.87123950894679814,null,32.813617187999995,-7.5829785840000037,40.396595771999998,"–",null,null,32.813617187999995,-7.5829785840000037,-28.706592460999968,44.819975614000001,-20.352821759999966,null,null,29.596765950000059,253.71983096000008]
["Net gains/losses from hedge accounting",1.6728289620000001,-15.146243087000002,16.819072049000003,"–",null,-4.2993075110000003,5.9721364729999991,-10.271443983999999,"–",null,null,-4.2993075110000003,5.9721364729999991,-16.333202387,5.9259627200000011,-6.3270654740000003,null,null,-25.553482754000004,-11.662599112000006]
["Other net operating income ",56.531198961999991,71.756446210999997,-15.225247249000006,-0.21217950515874395,null,21.923211353999999,34.607987608000002,-12.684776254000003,-0.36652741551108803,null,null,21.923211353999999,34.607987608000002,6.7396245029999537,18.604503501999972,47.513128137999992,null,null,97.100574215999927,81.108310082000003]
["Operating income",3185.2246183099992,3018.5000684570005,166.72454985299873,5.5234237558995591E-2,null,1609.9478794030001,1575.2767389070007,34.671140495999452,2.2009555298871497E-2,null,null,1609.9478794030001,1575.2767389070007,1559.158874231,1646.1208312660006,1503.9869937180006,null,null,6223.7797739539974,5583.0013979809992]
["Staff expenses",-826.38451586400015,-767.88279878599997,-58.501717078000183,7.6185737160006317E-2,null,-418.78809579200009,-407.596420072,-11.191675720000092,2.7457738019443623E-2,null,null,-418.78809579200009,-407.596420072,-428.10243593999991,-393.11541906399998,-403.51433546599998,null,null,-1589.1006537900003,-1436.9096985940002]
["Other administrative expenses",-566.97070749799991,-550.35052572900008,-16.620181768999828,3.0199265726119862E-2,null,-292.34136537699999,-274.62934212099998,-17.712023256000009,6.4494285713273092E-2,null,null,-292.34136537699999,-274.62934212099998,-310.83827739399999,-246.52762170199998,-297.70770811100004,null,null,-1107.7164248249999,-954.0400688809998]
["Depreciation ",-206.84522176299998,-201.33494357899997,-5.5102781840000148,2.7368712485013269E-2,null,-105.41326638699999,-101.43195537599999,-3.9813110110000025,3.9251052552833121E-2,null,null,-105.41326638699999,-101.43195537599999,-118.50128793799999,-104.46397160800001,-103.05902874699999,null,null,-424.300203125,-399.50936078000001]
["General administrative expenses",-1600.200445125,-1519.5682680940001,-80.632177030999856,5.3062556466868749E-2,null,-816.54272755600016,-783.65771756900006,-32.885009987000103,4.1963486417275764E-2,null,null,-816.54272755600016,-783.65771756900006,-857.44200127199997,-744.10701237399996,-804.28107232400009,null,null,-3121.1172817400002,-2790.459128255]
["Operating result",1585.0241731849994,1498.9318003629996,86.092372821999788,5.7435817160694347E-2,null,793.4051518470003,791.61902133800049,1.7861305089993493,2.2563006457081425E-3,null,null,793.4051518470003,791.61902133800049,701.71687295900051,902.01381889200047,699.70592139400014,null,null,3102.6624922139977,2792.5422697260001]
["Other result",-386.05739166299998,-450.09490302600005,64.037511363000078,-0.14227557551190684,null,-246.91770428899997,-139.139687374,-107.77801691499997,0.77460298315388942,null,null,-246.91770428899997,-139.139687374,-308.88524118300001,-138.55176296300002,-354.15357485500004,null,null,-897.53190717200005,-658.18829981899989]
["Net modification gains/losses",-8.433982576,-6.8887745739999993,-1.5452080020000007,0.22430810957757452,null,-4.1280780089999993,-4.3059045669999998,0.17782655800000047,-4.1298304510240302E-2,null,null,-4.1280780089999993,-4.3059045669999998,-21.543058812999998,1.5546648139999999,-8.8026914739999995,null,null,-26.877168572999999,-11.040792167000001]
["Impairment or reversal of impairment on investments in subsidiaries and associates",11.065036409999999,-8.8925846780000004,19.957621088,"–",null,41.572915409999993,-30.507878999999999,72.080794409999996,"–",null,null,41.572915409999993,-30.507878999999999,-2.726829455999999,32.602744657000002,-1.0335162410000001,null,null,20.983330522999999,-67.306504097000001]
["Impairment on non-financial assets",-5.7270468999999991E-2,-5.7066684460000001,5.6493979770000005,-0.98996429010342402,null,-1.099035655,1.0417651860000001,-2.1408008409999999,"–",null,null,-1.099035655,1.0417651860000001,-14.406633521,3.347865573,-0.61339406099999993,null,null,-16.765436393999998,-79.27692691099999]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",3.0714019720000003,0.35332349099999999,2.7180784810000005,">500,0%",null,-0.78207203499999989,3.8534740069999995,-4.6355460419999996,"–",null,null,-0.78207203499999989,3.8534740069999995,2.6083126069999998,-0.16076882599999998,0.11495573999999997,null,null,2.8008672720000001,9.6224813559999998]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",-391.70257599999997,-428.96019899999999,37.257623000000024,-8.6855664201144323E-2,null,-282.48143499999998,-109.22114099999999,-173.26029399999999,1.586325618041291,null,null,-282.48143499999998,-109.22114099999999,-272.81703199999998,-175.89626899999999,-343.81892900000003,null,null,-877.6735000000001,-510.18655799999999]
["Governmental measures and compulsory contributions",-142.25409797099999,-212.76737594800002,70.51327797700003,-0.33141019699483132,null,-11.963400122999998,-130.29069784800001,118.32729772500001,-0.90817916919167352,null,null,-11.963400122999998,-130.29069784800001,-14.900239351000002,-12.474834960999997,9.5361337099999925,null,null,-240.14245026,-281.40127218100002]
["Bank levies",-88.920097892000001,-93.522389262000004,4.6022913700000032,-4.9210583757722803E-2,null,-12.22953186,-76.690566032000007,64.461034172000012,-0.84053407749139453,null,null,-12.22953186,-76.690566032000007,-1.0938570220000001,-0.75910078700000005,-2.0012916229999997,null,null,-95.375347070999993,-87.152038501000007]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-15.439850847999999,-74.025547979000009,58.585697131000011,-0.79142537583943229,null,0.78473246200000002,-16.22458331,17.009315772000001,"–",null,null,0.78473246200000002,-16.22458331,-1.8803559999999999E-3,-2.4984791000000003E-2,22.443326044999999,null,null,-74.052413126000005,-89.403520020000002]
["Deposit insurance fees",-37.736127355000008,-45.065741431999996,7.329614076999988,-0.1626427047263761,null,-0.43438095199999921,-37.301746403000003,36.867365451000005,-0.98835494329656737,null,null,-0.43438095199999921,-37.301746403000003,-13.69182215,-11.544505759999998,-10.829303128000003,null,null,-70.302069341999996,-78.654128895999975]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-25.745495456]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment losses on financial assets ",-81.049793140999995,-64.800241755000002,-16.249551385999993,0.25076374633658172,null,-77.818892650999999,-3.2309004900000033,-74.587992160999988,">500,0%",null,null,-77.818892650999999,-3.2309004900000033,-195.77256639199996,-35.741094563000026,-41.989009636999981,null,null,-296.31390271000004,-459.17010510300008]
["Profit/loss before tax",975.66289040999936,771.26927963399987,204.39361077599949,0.26500940225830449,null,456.705154784,518.95773562600016,-62.252580842000157,-0.11995693785527084,null,null,456.705154784,518.95773562600016,182.158826033,715.2461264049997,313.09947061200012,null,null,1668.6742320719977,1393.7825926229993]
["Income taxes",-270.57038656099996,-188.25916350599999,-82.311223054999971,0.4372229299339081,null,-137.762582933,-132.80780362800004,-4.9547793049999598,3.7307892831949019E-2,null,null,-137.762582933,-132.80780362800004,-193.90996695800001,-112.30799586199998,-100.38857152999999,null,null,-494.47712632600002,-256.92084833899992]
["Profit/loss after tax from continuing operations",705.09250384899929,583.01011612799994,122.08238772099935,0.20940011904389699,null,318.94257185099997,386.14993199800017,-67.207360147000202,-0.17404472868675336,null,null,318.94257185099997,386.14993199800017,-11.751140925000044,602.93813054299972,212.71089908200017,null,null,1174.1971057459975,1136.8617442839998]
["Gains/losses from discontinued operations",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,452.90588732099997]
["Profit/loss after tax",705.09250384899929,583.01011612799994,122.08238772099935,0.20940011904389699,null,318.94257185099997,386.14993199800017,-67.207360147000202,-0.17404472868675336,null,null,318.94257185099997,386.14993199800017,-11.751140925000044,602.93813054299972,212.71089908200017,null,null,1174.1971057459975,1589.7676316049995]
[]
["Return on equity before tax2",0.13172961664665314,0.10751138461849738,2.4218232028155762,0.22526202331124101,null,0.12484767718831076,0.13810271420917636,-1.3255037020865599,-9.5979554759430319E-2,null,null,0.12484767718831076,0.13810271420917636,5.146706628869991E-2,0.19925093919417958,8.7095125722198727E-2,null,null,0.11675905435154285,0.10785341994213007]
["Return on equity after tax2",9.5198419603133883E-2,8.1268924450139099E-2,1.3929495152994784,0.1714000184848139,null,8.7188066162502395E-2,0.10276049481425421,-1.5572428651751817,-0.1515410049348237,null,null,8.7188066162502395E-2,0.10276049481425421,"–",0.16796454307228306,5.9169957865236253E-2,null,null,8.2159921364031691E-2,0.12301909701657311]
["Consolidated return on equity2",9.0829259144650121E-2,7.5972341501226032E-2,1.485691764342409,0.19555692703224548,null,8.145073746665904E-2,9.9492709972602816E-2,-1.8041972505943775,-0.18133964298401328,null,null,8.145073746665904E-2,9.9492709972602816E-2,"–",0.17424436795114956,4.7960328185606346E-2,null,null,7.6255061524599807E-2,0.12930392777876676]
["Net interest margin (avg. interest bearing assets)",2.4214116481240052E-2,2.2739963259844183E-2,0.14741532213958691,6.4826543673403014E-2,null,2.3895346364079622E-2,2.4626663868609722E-2,-7.3131750453010042E-2,-2.9696166254263634E-2,null,null,2.3895346364079622E-2,2.4626663868609722E-2,2.5325732386468486E-2,2.5389154719119351E-2,2.3187090097770247E-2,null,null,2.4018879610834321E-2,1.9921486023674696E-2]
["Cost/income ratio1",0.49696571448840399,0.49778552120011049,-8.1980671170650554E-2,-1.6469075069319716E-3,null,0.50168213192627109,0.49214821636962386,0.95339155566472322,1.9372041266297879E-2,null,null,0.50168213192627109,0.49214821636962386,0.54447229493315918,0.44612270380337848,0.52934724514399289,null,null,0.49580025054292626,0.49448130660779799]
["Loan/deposit ratio3",0.89603254935702847,0.94620243871079612,-5.0169889353767649,-5.3022363187019805E-2,null,0.89603254935702847,0.9097351173589594,-1.3702568001930926,-1.5062151323465112E-2,null,null,0.89603254935702847,0.9097351173589594,0.90961781963529742,0.93100365403424379,0.94620243871079612,null,null,0.90961781963529742,0.91508506892332375]
["Provisioning ratio (avg. loans and advances to customers)",1.8623794476004482E-3,3.6607822725491626E-4,0.1496301220345532,4.0873810812670701,null,3.2453711557930975E-3,4.8436218942237151E-4,0.2761008966370726,">500,0%",null,null,3.2453711557930975E-3,4.8436218942237151E-4,7.9375718273926137E-3,1.80032389379731E-3,4.0550092848767947E-4,null,null,2.589045788211865E-3,4.5254829855675598E-3]
["NPE ratio",1.8796674914275217E-2,1.5033944049593406E-2,0.37627308646818114,0.25028235120933373,null,1.8796674914275217E-2,1.975194580435E-2,-9.5527089007478236E-2,-4.8363381488440549E-2,null,null,1.8796674914275217E-2,1.975194580435E-2,1.9525640646987676E-2,1.5417939772169651E-2,1.5033944049593406E-2,null,null,1.9525640646987676E-2,1.5953354455762743E-2]
["NPE coverage ratio",0.51331044471748899,0.55925035982631621,-4.5939915108827218,-8.2145526241761524E-2,null,0.51331044471748899,0.48137915452457319,3.1931290192915798,6.6332930898207021E-2,null,null,0.51331044471748899,0.48137915452457319,0.49685448988431247,0.56814617417328572,0.55925035982631621,null,null,0.49685448988431247,0.57784345500215872]
[]
["Assets",188063.38831525203,184386.75908179898,3676.6292334530444,1.993976819030685E-2,null,188063.38831525203,183044.32079336399,5019.0675218880351,2.7419957637221604E-2,null,null,188063.38831525203,183044.32079336399,178465.10411300702,183622.37342912302,184386.75908179898,null,null,178465.10411300702,182520.06249733499]
["Total risk-weighted assets (RWA) ",75665.543461058551,83989.684909541204,-8324.1414484826528,-9.9109092473057214E-2,null,75665.543461058551,75045.158302548618,620.38515850993281,8.2668245699317744E-3,null,null,75665.543461058551,75045.158302548618,76444.72460736311,82944.253097059162,83989.684909541204,null,null,76444.72460736311,80426.333062159814]
["Equity",15119.526061801002,14907.884563521002,211.64149827999972,1.419661504475811E-2,null,15119.526061801002,15251.014486149001,-131.48842434799917,-8.6216182187366375E-3,null,null,15119.526061801002,15251.014486149001,15021.297528904001,15438.789661749002,14907.884563521002,null,null,15021.297528904001,14113.437341792998]
["Loans to customers",95290.083179960013,94300.355880856994,989.72729910301859,1.0495477878720738E-2,null,95290.083179960013,93830.517134055,1459.5660459050123,1.5555344790647796E-2,null,null,95290.083179960013,93830.517134055,92814.675810796994,94963.95724410699,94300.355880856994,null,null,92814.675810796994,93922.241523892008]
["  Hereof non-financial corporations %3",0.45729505184242708,0.45911128191324446,-0.18162300708173817,-3.9559691568646915E-3,null,0.45729505184242708,0.45635377162127794,9.4128022114914334E-2,2.0626108069734528E-3,null,null,0.45729505184242708,0.45635377162127794,0.46128056918860949,0.45505657037774477,0.45911128191324446,null,null,0.46128056918860949,0.46519201681450112]
["  Hereof households %",0.39056891964358154,0.39604105962385255,-0.5472139980271018,-1.3817102664729464E-2,null,0.39056891964358154,0.39152667374959571,-9.5775410601417477E-2,-2.4462039759434173E-3,null,null,0.39056891964358154,0.39152667374959571,0.39749383532622606,0.38989602670864532,0.39604105962385255,null,null,0.39749383532622606,0.39126976533777452]
["  Hereof FCY %","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Deposits from customers",108830.239491481,101197.68989371402,7632.549597766978,7.5422172243094554E-2,null,108830.239491481,104687.29638412,4142.9431073610031,3.9574458892888575E-2,null,null,108830.239491481,104687.29638412,102976.37901561799,103673.93913254101,101197.68989371402,null,null,102976.37901561799,103111.05486825701]
[]
["Business outlets",1329,1396,-67,-4.7994269340974172E-2,null,1329,1342,-13,-9.6870342771981921E-3,null,null,1329,1342,1350,1373,1396,null,null,1350,1481]
["Number of employees",33485,33084,401,1.212066255591826E-2,null,33485,33533,-48,-1.4314257596993452E-3,null,null,33485,33533,33335,33294,33084,null,null,33335,33264]
["Number of customers in million",14.348922999999999,14.116882,0.23204099999999883,1.6437128255375244E-2,null,14.348922999999999,14.348841000000002,8.1999999997250939E-5,5.7147472745100458E-6,null,null,14.348922999999999,14.348841000000002,14.340956999999998,14.213763,14.116882,null,null,14.340956999999998,13.901621000000002]
[]
["1 From 1 January 2024, the calculation of the cost/income ratio has been slightly adjusted, the calculation is now exclusive of financial transaction tax (figures of previous periods were adapted)."]
["2 RoE calculation under the assumption of price-book value 0 for Russia"]
["3 Adaption of previous years' figures due different allocation"]