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[]
[]
[]
[]
[]
[]
[null,"Key Financial Data"]
[null,"31/12/2012 (4Q 2012)"]
[]
[null,null,"Worksheet","Name","Pages"]
[]
[null,null,"Survey of key data","Summary",1]
[null,null,"Currency","Currency",1]
[null,null,"Statement of financial position","Financial position",1]
[null,null,"Income statement","Income statement",1]
[null,null,"Statement of changes in equity \nand comprehensive income","Equity",1]
[null,null,"Segment Overview","Segment overview",1]
[null,null,"Segment Comparison","Segment comparison",4]
[null,null,"Asset Quality","Asset Quality",1]
[null,null,"Non-performing loans development ","NPL",1]
[null,null,"Funding structure","Funding",1]
[null,null,"Own funds development (regulatory)","Own Funds",1]
[null,null,"Loans to Long-term and Stable Funding Ratio","LLSFR",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,"Slovakia","CE-SK",1]
[null,null,"Slovenia","CE-SI",1]
[null,null,"Poland","CE-PL",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,"Serbia","SEE-RS",1]
[null,null,"Romania","SEE-RO",1]
[null,null,"Russia","RU",1]
[null,null,"Belarus","CIS-BY",1]
[null,null,"Ukraine","CIS-UA",1]
[null,null,null,null,31]

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["Survey of key data",null,null,null,"Archive"]
[]
[]
["Raiffeisen Bank International Group\nMonetary values in € million",2012,2011,"YoY Change\n",null,2011,2010,"2009\ncombined","2009\nRI Group","2008\nRI Group","2007\nRI Group","2006\nRI Group","2006\nRI Group","2005\nRI Group","2004\nRI Group","2003\nRI Group","2002\nRI Group"]
["Income statement  ","1/1–31/12","1/1–31/12",null,null,"1/1–31/12","1/1–31/12","1/1–31/12",null,null,null,"excl. one-offs"]
["Net interest income",3472.1550183010022,3667.150253913002,-5.3173505886193739E-2,null,3667.150253913002,3578.1677409999998,3282.3639543898707,2936.5017999999995,3232.01,2061.8723639999994,1455.0040979999999,1455.0040979999999,1034.8376490000003,665.87533487126655,476.08213024000003,344.18236350000001]
["Net provisioning for impairment losses",-1008.822763958,-1063.550924444,-5.1457959584408797E-2,null,-1063.550924444,-1194.0841969999999,-2232.2017090000004,-1737.8824,-780.30100000000004,-356.97712300000001,-308.87708100000003,-308.87708100000003,-167.260426,-137.59629699999999,-87.598692510000006,-49.513726380000001]
["Net fee and commission income",1516.3990226160008,1489.926738631,1.7767507152280926E-2,null,1489.926738631,1490.791821,1420.8903190000003,1223.0568000000001,1496.3689999999999,1249.8345480000003,933.28875999999991,933.28875999999991,606.63945699999999,441.38634300000001,333.11265437999998,234.00264239000001]
["Net trading income",214.685620005,363.26061446599999,-0.40900386263842026,null,363.26061446599999,328.12121500000001,418.88616000000002,186.33960000000002,167.642,127.89122900000001,174.823486,174.823486,100.99699199999999,78.414924000000013,121.62423656999999,100.18648578]
["General administrative expenses  ",-3263.8502933100012,-3120.4397312680012,4.595844637054558E-2,null,-3120.4397312679998,-2979.7449280000005,-2715.4618299999997,-2269.7255,-2633.03,-2184.0198089999999,-1693.6713689999999,-1693.6713689999999,-1162.5098370000001,-823.34753999999998,-658.63610083000003,-510.40667728]
["Profit before tax  ",1031.6162240900051,1373.3551849360001,-0.24883508985471992,null,1373.3551849360017,1287.3215770000002,790.29776938987038,367.59699999999947,1429.1351230000002,1237.6041250000005,891.16532043099994,1479.6124010000001,568.55677100000025,340.77226587126648,276.70077949,175.29302605000001]
["Profit after tax  ",747.68293694999807,974.11265625400199,-0.23244715880681655,null,974.11265625400165,1177.160668,530.9918773898703,287.09719999999948,1078.2551570000001,973.45509700000048,685.92503243099986,1274.3721130000001,459.5934960000003,269.7526958712665,227.44729543999998,136.04545467]
["Consolidated profit ",725.381490281997,967.663498005002,-0.25037836833001281,null,967.66349800500166,1087.4752880000001,450.26529274292352,212.18069999999949,981.98589500000014,841.25764300000048,593.6793394309999,1182.1264200000001,382.33416000000028,209.43746187126649,178.73315421999999,103.54182259000001]
["Statement of financial position","31/12","31/12",null,null,"31/12","31/12","31/12"]
["Loans and advances to banks  ",22323.300969046002,25748.043714016003,-0.13300982330963396,null,25748.043714016003,21532.405502999998,38581.65306284,10310.101000000001,9038.0955360000007,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001]
["Loans and advances to customers  ",83343.268787134977,81576.235405427986,2.1661129285078795E-2,null,81576.235405427986,75657.06137000001,72566.36288500001,50514.970999999998,57902.303544000002,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001]
["Deposits from banks  ",30186.449255818996,37991.808545944987,-0.20544847926064547,null,37991.808545944987,33659.182182999997,49098.824571856981,20110.169999999998,26213.163392000002,19926.969548000001,13813.569099999999,13813.569099999999,10236,6620,5320,2909]
["Deposits from customers  ",66297.150535260007,66747.234305767008,-6.7431074139369107E-3,null,66747.234305767008,57633.112935000005,55407.04924,42578.249000000003,44205.905761000002,40457.265952000002,33156.348525000001,33156.348525000001,24890,18169,12083,9365]
["Equity ",10872.89279892205,10935.785951264921,-5.7511323487083876E-3,null,10935.785951264921,10403.925360000001,9326.2827647429258,7000.1819999999998,6518.2055099999998,6622.1366770000004,4589.5834610000002,4589.5834610000002,3277,2177,1379,1145]
["Total assets",136116.02291149698,146985.002817086,-7.394618292530708E-2,null,146985.002817086,131173.114107,145638.08216197003,76275.328999999998,85396.984704999995,72742.804509000023,55866.994520000007,55866.994520000007,40695,28907,20063,14381]
["Key ratios","1/1–31/12","1/1–31/12",null,null,"1/1–31/12","1/1–31/12","1/1–31/12"]
["Return on equity before tax",9.6535614892203719E-2,0.13689696884280145,-4.0361353950597731,null,0.1371428633213429,0.13694938772287077,9.5208691011723148E-2,5.7491418892374996E-2,0.22045074892879893,0.25728780053283873,0.27347235246514195,0.45404940611515399,0.218,0.222,0.24099999999999999,0.19900000000000001]
["Return on equity after tax",6.9965972206908658E-2,9.7274616458711841E-2,-2.730864425180318,null,9.7274616458711841E-2,0.12523011779988641,6.3969611888411007E-2,4.4901414832079579E-2,0.16632587004462285,0.20237337264021868,0.2104901614438171,0.39106721509382913,0.17599999999999999,0.17599999999999999,0.19800000000000001,0.154]
["Consolidated return on equity",7.4312689576659041E-2,0.10811224437756502,-3.3799554800905978,null,0.10811224437756502,0.12953981991500735,7.0910113842501205E-2,3.8680078660259271E-2,0.17381640661922373,0.20105084541175858,0.21385383214750198,0.42582291253039661,0.17199999999999999,0.17,0.19400000000000001,0.13800000000000001]
["Cost/income ratio",0.63503145432379626,0.56989999999999996,6.5131454323796305,null,0.56989999999999996,0.55145958468007172,0.52548921361829848,0.52472249284146888,0.53953715950652115,0.57603113461188393,0.59059642570119975,0.59059642590714534,0.61599999999999999,0.63500000000000001,0.64700000000000002,0.70299999999999996]
["Return on assets before tax",7.3118337537800256E-3,9.7618851902312644E-3,-0.24500514364512388,null,9.7618851902312644E-3,9.0227377764258467E-3,5.2641041617732609E-3,4.6667456320071826E-3,1.7658437066636327E-2,1.975249581140039E-2,1.8978376181590609E-2,3.1510024128344305E-2,1.6799999999999999E-2,1.4E-2,1.61E-2,1.3599999999999999E-2]
["Net interest margin (avg. assets)",2.3725138866866422E-2,2.6066308371416932E-2,-0.23411695045505096,null,2.6066308371416932E-2,2.5100000000000001E-2]
["Net interest margin (avg. interest bearing assets)",2.6556933098486168E-2,2.8997889774925342E-2,-0.24409566764391732]
["Provisioning ratio (avg. loans and advances to customers)",1.2123724456918516E-2,1.3380824021495345E-2,-0.1257099564576829]
["Bank-specific information*","31/12","31/12",null,null,"31/12","31/12","31/12"]
["Risk-weighted assets (credit risk)",68136.387499999997,77150.487500000003,-0.11683788777096193,null,77150.487500000003,75601.3125,70554.874500000005,50089.599999999999,60387.5625,49802.309818069101,31858.390219013021,31858.390219013021,20543.700229635095,14008.142266687522,10215,7161.5]
["Total own funds",12885.253000000001,12857.848,2.1313831054776688E-3,null,12857.848,12607.563,12019.291140984049,8328.4692799999993,6992.1708760000001,6684.2617718761285,4512.9333506247467,4512.9333506247467,2938,2359,1463,1071]
["Total own funds requirement",6625.7250000000004,7624.1283748799997,-0.13095311697131717,null,7624.1283748799997,7584.850764854612,7136.8114941754757,5116.8159177208354,5766.8150195168109,4317.1194654455267,3284.144802700037,3284.144802700037,2393,1571,1024,743]
["Excess cover ratio",0.94473102943451481,0.68646793020485786,25.826309922965695,null,0.68646793020485786,0.66220317193566625,0.68412618867589292,0.6276663874415318,0.21231058259014102,0.54831521929780846,0.37415784678996777,0.37415784678996777,0.22800000000000001,0.502,0.42799999999999999,0.442]
["Core tier 1 ratio, total",0.10654151373120216,9.0401683459435209E-2,1.6139830271766951,null,9.0401683459435209E-2,8.8505145428905155E-2,8.469672084900659E-2,9.1999999999999998E-2,7.3999999999999996E-2,9.6000000000000002E-2,"–","–","–","–","–","–"]
["Tier 1 ratio, credit risk",0.13598000040727137,0.12203974083767131,1.3940259569600058,null,0.12203974083767131,0.12157499249765009,0.11842989864473537,0.14092641546348941,9.6820448349774019E-2,0.11429756083777623,9.7505888788217115E-2,9.7505888788217115E-2,0.09,0.11799999999999999,0.1,0.108]
["Tier 1 ratio, total",0.11186924902557834,9.8796085659018762E-2,1.3073163366559573,null,9.8796085659018762E-2,9.6943017443019433E-2,9.3664310934891859E-2,0.1103650605546055,8.110890820964653E-2,0.10548297459644357,9.0261355604244004E-2,9.0261355604244004E-2,0.08,0.10100000000000001,9.4E-2,9.8000000000000004E-2]
["Own funds ratio",0.15557848235476118,0.13491743441638862,2.0661047938372561,null,0.13491743441638862,0.13297625375485328,0.13473009509407144,0.13021374361468527,9.6984846607211267E-2,0.12386521754382468,0.10993262774319741,0.10993262774319741,9.8000000000000004E-2,0.12,0.114,0.115]
["Stock data  ","31/12","31/12",null,null,"31/12","31/12","31/12"]
["Earnings per share in €  ",2.6962185729478363,3.9457932570420322,-0.31668529055953143,null,3.9457932570420322,4.5621606443530593,1.29,0.9902838531560183,6.39,5.8022957287367447,4.17,8.290689328580962,2.79,1.93,1.79,1.04]
["Price in €  ",31.46,20.07,0.56751370204285001,null,20.07,41,39.5,39.5,19.3,103.6,115.51,115.51,55.55]
["High (closing prices) in €",33.36,45.1,-0.2603104212860311,null,45.1,42.75,47.86,47.86,110.2,122.5,115.51,115.51,59.4]
["Low (closing prices) in €",18.64,14.16,0.31638418079096042,null,14.16,29.01,13,13,16.23,98.25,55.2,55.2,39.25]
["Number of shares in million",195.51,195.505124,"–",null,195.505124,195.505124,195.50512400000002,154.66749999999999,154.66749999999999,154.66749999999999,142.77000000000001,142.77000000000001,142.77000000000001]
["Market capitalization  in € million",6150,3923.7878386799998,0.56736303104219821,null,3923.7878386799998,8016,7722.4523980000013,6109.36625,2985.08275,16023.552999999998,16492,16492,7931]
["Dividend per share in €","1.17**",1.05,"–",null,1.05,1.05,0.2,0.2,0.93,0.93,0.71,0.71,0.45,0.15693006000000001,0.33,0.13]
["Resources  ","31/12","31/12",null,null,"31/12","31/12","31/12"]
["Number of employees as of reporting date  ",60084,59261,1.3887717048311599E-2,null,59261,59782,59211,56530,63376,58365,52732,52732,43614,22851,18386,13478]
["Business outlets  ",3106,2928,6.0792349726775941E-2,null,2928,2961,3029,3018,3231,3015,2848,2848,2443,916,722,604]
[]
["* Calculated according to the Austrian Banking Act (Bankwesengesetz, BWG). Raiffeisen Bank International as part of the RZB Group is as a group not subject to the Austrian Banking Act. The figures from 2007 accord with the provisions of Basel I; from 2008 onward, the own funds requirement is calculated according to Basel II."]
["** Proposal to the Annual General Meeting."]
["Back to Contents"]

{"sheet":"Currency","index":2,"n_rows":54,"n_cols":11,"rows_kept":54,"cut":false,"hidden":false,"merged":[]}
["Currency Development"]
[]
[]
["Rates in units per € - as of","30/6/2011","30/9/2011","31/12/2011","31/3/2012","30/6/2012","30/9/2012","31/12/2012","Change YTD","Change QoQ"]
["ALL",141.41,140.94999999999999,138.93,140.38,138.16999999999999,140.19,139.59,-4.7281323877068626E-3,4.2983021706426427E-3,0]
["BAM",1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,"–","–",0]
["BGN",1.9558,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,"–","–",0]
["BYR",7152.13,7638.16,10800,10750,10470,10870,11340,-4.7619047619047672E-2,-4.1446208112874805E-2,0]
["CHF",1.2071000000000001,1.2170000000000001,1.2156,1.2044999999999999,1.2030000000000001,1.2099,1.2072000000000001,6.958250497017815E-3,2.2365805168984565E-3,0]
["CZK",24.344999999999999,24.754000000000001,25.786999999999999,24.73,25.64,25.140999999999998,25.151,2.5287264919883867E-2,-3.9759850502962824E-4,0]
["GBP",0.90254999999999996,0.86665000000000003,0.83530000000000004,0.83389999999999997,0.80679999999999996,0.79805000000000004,0.81610000000000005,2.352652861168969E-2,-2.2117387575052105E-2,0]
["HRK",7.4017999999999997,7.4995000000000003,7.5369999999999999,7.5125000000000002,7.5178000000000003,7.4467999999999996,7.5575000000000001,-2.7125372146874493E-3,-1.4647700959312004E-2,0]
["HUF",266.11,292.55,314.58,294.92,287.77,284.89,292.3,7.622305850153932E-2,-2.5350667122819082E-2,0]
["KZT",210.29,201.72,191.72,197.13,187.9,194.02,199.22,-3.764682260817187E-2,-2.6101797008332484E-2,0]
["LTL",0,3.4527999999999999,3.4527999999999999,3.4527999999999999,3.4527999999999999,3.4527999999999999,3.4527999999999999,"–","–",0]
["MDL",16.75,16.225100000000001,15.073700000000001,15.6835,15.235799999999999,15.9323,15.996700000000001,-5.769940050135336E-2,-4.0258303275051421E-3,0]
["MYR","–","–","–",4.0915999999999997,3.996,3.9596,4.0347,"–",-1.8613527647656558E-2,0]
["PLN",3.9903,4.4050000000000002,4.4580000000000002,4.1521999999999997,4.2488000000000001,4.1037999999999997,4.0739999999999998,9.4256259204712922E-2,7.3146784486990413E-3,0]
["RON",4.2435,4.3574999999999999,4.3232999999999997,4.3819999999999997,4.4512999999999998,4.5382999999999996,4.4444999999999997,-2.7269659129260826E-2,2.1104736190797668E-2,0]
["RSD",102.4631,101.17319999999999,104.6409,111.3643,115.8203,115.032,113.7183,-7.9823564017400872E-2,1.1552230379807016E-2,0]
["RUB",40.4,43.35,41.765000000000001,39.295000000000002,41.37,40.14,40.329500000000003,3.5594292019489382E-2,-4.698793687003322E-3,0]
["SEK",9.1738999999999997,9.2579999999999991,8.9120000000000008,8.8454999999999995,8.7728000000000002,8.4497999999999998,8.5820000000000007,3.8452575157305935E-2,-1.5404334653926988E-2,0]
["SGD",1.7761,1.7588999999999999,1.6819,1.6775,1.5973999999999999,1.5848,1.6111,4.3945130656073417E-2,-1.6324250512072536E-2,0]
["TRY",0,2.5099999999999998,2.4432,2.3774000000000002,2.2833999999999999,2.3203,2.3551000000000002,3.7408177996687941E-2,-1.4776442613901764E-2]
["UAH",11.50004,10.854799999999999,10.2981,10.5999,9.9706440000000001,10.2902,10.5372,-2.2691037467258868E-2,-2.3440762251831559E-2]
["USD",1.4453,1.3503000000000001,1.2939000000000001,1.3355999999999999,1.2589999999999999,1.2929999999999999,1.3193999999999999,-1.9326966803092205E-2,-2.0009095043201475E-2]
[]
[]
["Rates in units per € - average","30/6/2011","30/9/2011","31/12/2011","31/3/2012","30/6/2012","30/9/2012","31/12/2012","Change YTD","Change QoQ"]
["ALL",140.63999999999999,140.60599999999999,140.49845999999999,139.58000000000001,139.4157142857143,139.16499999999999,139.2976923076923,8.6201549531441657E-3,-9.5258080370208553E-4,0]
["BAM",1.95583,1.95583,1.95583,1.95583,1.9558300000000002,1.95583,1.9558299999999997,"–","–",0]
["BGN",1.9558,1.95583,1.95583,1.95583,1.9558300000000002,1.95583,1.9558299999999997,"–","–",0]
["BYR",5040.5171399999999,5741.36,7056.4307699999999,10847.5,10705.714285714286,10649,10766.923076923076,-0.34461956126312776,-1.0952346931485279E-2,0]
["CHF",1.2636099999999999,1.2371099999999999,1.23325,1.2075,1.2051142857142858,1.2048000000000001,1.2052461538461539,2.3234959982640024E-2,-3.7017653591342459E-4,0]
["CZK",24.47071,24.434699999999999,24.635079999999999,25.137,25.249714285714283,25.198399999999999,25.189307692307693,-2.2002498007396398E-2,3.6095901496668858E-4,0]
["GBP",0.87492000000000003,0.87515500000000002,0.87043999999999999,0.83704999999999996,0.82397857142857145,0.81450999999999996,0.81372692307692318,6.9695465781848709E-2,9.6233380126564683E-4,0]
["HRK",7.4021600000000003,7.4236900000000006,7.4441100000000002,7.5503799999999996,7.5414000000000003,7.5227099999999991,7.526930769230769,-1.100325906667432E-2,-5.6075568650426622E-4,0]
["HUF",269.38571000000002,272.02200000000005,280.45999999999998,298.02999999999997,295.47000000000003,291.577,290.24230769230775,-3.3703934378437328E-2,4.5985449823089386E-3,0]
["KZT",205.34714,206.00899999999996,204.44385,195.66499999999999,192.92857142857142,191.60499999999996,192.77307692307687,6.0541509546896854E-2,-6.0593364058976196E-3,0]
["LTL","–",3.4527999999999999,3.4527999999999999,3.4527999999999999,3.4527999999999999,3.4527999999999999,3.4527999999999994,"–","–",0]
["MDL",16.62471,16.527539999999998,16.358000000000001,15.52233,15.400700000000001,15.47809,15.594461538461539,4.8962156189574113E-2,-7.4623633637189712E-3,0]
["MYR","–","–","–",4.0593500000000002,4.024285714285714,3.9911099999999999,3.9886923076923071,-1,6.0613657840447033E-4,0]
["PLN",3.9654699999999998,4.0320000000000009,4.1254400000000002,4.2389299999999999,4.2524142857142859,4.2152199999999995,4.190030769230769,-1.5415344847843904E-2,6.011705440018833E-3,0]
["RON",4.1854699999999996,4.2129700000000003,4.2416400000000003,4.3489300000000002,4.3899142857142852,4.4310999999999998,4.4470999999999998,-4.6200894965258144E-2,-3.5978502844550286E-3,0]
["RSD",102.28494000000001,102.08765,102.30589999999999,108.06345,110.9406142857143,112.77986000000001,112.87986923076923,-9.3674534731715831E-2,-8.8597932873890617E-4,0]
["RUB",40.446109999999997,40.777830000000002,41.02187,39.971350000000001,40.199914285714286,40.184739999999998,40.235415384615393,1.954632772811693E-2,-1.2594721374437068E-3,0]
["SEK",8.9272899999999993,8.9981899999999992,9.0037599999999998,8.8657500000000002,8.8756428571428589,8.727450000000001,8.7014615384615386,3.4741113340817975E-2,2.9866777464440109E-3]
["SGD",1.76963,1.7602699999999998,1.75075,1.67018,1.6439571428571429,1.6194900000000001,1.6136307692307692,8.4975592548099943E-2,3.6310851781935494E-3]
["TRY","–",2.2972200000000003,2.33338,2.3746499999999999,2.3430571428571425,2.3212800000000002,2.324646153846154,3.757064764198903E-3,-1.4480284840703295E-3]
["UAH",11.17834,11.1949503,11.09216,10.529450000000001,10.371334857142857,10.2704144,10.306764923076923,7.6201900672496325E-2,-3.5268605957562427E-3]
["USD",1.41133,1.4100600000000001,1.3951100000000001,1.3228500000000001,1.3017285714285713,1.2894600000000001,1.293223076923077,7.8785265199055488E-2,-2.9098436226721036E-3]
[]
[]
["Back to Contents"]

{"sheet":"Financial position","index":3,"n_rows":45,"n_cols":42,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,30,3,30]]}
["Statement of financial position",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Archive"]
[]
[]
[]
["Assets\n€ million","31/12\n2012","31/12\n2011","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2012","30/9\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2012","30/9\n2012","30/6\n2012","31/3\n2012","31/12\n2011","30/9\n2011","30/6\n2011","31/3\n2011","31/12 \n2010","30/9/ 2010\ncombined figures","30/6/ 2010 \ncombined figures","31/3/ 2010 \ncombined figures","31/12 2009 \ncombined figures","31/12 \n2009","30/9 \n2009","30/6 \n2009","31/3 \n2009",null,null,"31/12\n2011","31/12 \n2010","31/12\n2009","31/12\n2008","31/12\n2007","31/12\n2006","31/12\n2005","31/12\n2004","31/12\n2003","31/12\n2002","31/12\n2001"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RI Group","RI Group","RI Group","RI Group",null,null,null,null,"RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group"]
["Cash reserve",6556.7230670790004,11401.746933792001,-4845.0238667130006,-0.4249369763113694,null,6556.7230670790004,13525.602028480002,-6968.8789614010011,-0.51523613860049078,null,null,6556.7230670790004,13525.602028480002,15393.210922758999,14631.275844156999,11401.746933792001,7534.3094344279989,4244,4936,4806.8907449999997,3630,4101.7551020000001,3654.317106,6093.1451819100002,4179.6000000000004,3244,6228,6507,null,null,11401.746933792001,4806.8907449999997,4179.5720000000001,7129.8604610000002,3664.1871700000002,4063.6329879999998,2908.1605070000001,1895.3557209999999,1748.9765737499999,933.69581558000004,1099.2103200000001]
["Loans and advances to banks",22323.300969046002,25748.043714016003,-3424.7427449700008,-0.13300982330963396,null,22323.300969046002,24777.321450242001,-2454.0204811959993,-9.9043009395675896E-2,null,null,22323.300969046002,24777.321450242001,25700.864721673996,24626.289535225005,25748.043714016003,28375.851676926002,24972,29069,21532.405502999998,30077,34487.840271000001,34200.653410999999,38581.65306284,10310,11213,7181,7012,null,null,25748.043714016003,21532.405502999998,10310.101000000001,9038.0955360000007,11053.201563999999,8202.4447340000006,5794.2658030000002,4779.4028920000001,3520.5023749400002,2718.8044932799999,2707.8697689999999]
["Loans and advances to customers",83343.268787134977,81576.235405427986,1767.0333817069913,2.1661129285078795E-2,null,83343.268787134977,83768.648347346971,-425.37956021199352,-5.0780282194378135E-3,null,null,83343.268787134977,83768.648347346971,84886.767301656015,82478.235912195029,81576.235405427986,81320.827861849,79431,77061,75657.06137000001,75626,76497.540433000002,76072.319210999995,72566.36288500001,50515,51830,53512,55662,null,null,81576.235405427986,75657.06137000001,50514.970999999998,57902.303544000002,48879.805538999994,35042.748817,24714.026007,16242.004999999999,11706.603377590001,8240.4581381999997,5896.575863]
["Impairment losses on loans and advances",-5641.8974036510008,-5053.2120736769994,-588.68532997400143,0.11649725390322696,null,-5641.8974036510008,-5661.2408348589988,19.343431207998037,-3.4168182863536511E-3,null,null,-5641.8974036510008,-5661.2408348589988,-5625.2204345740001,-5076.7403047980006,-5053.2120736769994,-5052.3071806799999,-4873,-4782,-4755.8721770000002,-4619,-4746.1832340000001,-4539.7058909999996,-4144.3889810000001,-3084,-2759,-2497,-2007,null,null,-5053.2120736769994,-4755.8721770000002,-3084.0230000000001,-1641.2616910000002,-1103.1662020000001,-872.05620599999997,-649.78616299999999,-366.25648699999999,-271.93232994000005,-188.45886661000003,-139.93861999999999]
["Trading assets",9813.2926690170007,10616.670705348999,-803.37803633199837,-7.5671371810301369E-2,null,9813.2926690170007,9880.1463661550006,-66.853697137999916,-6.7664682951470434E-3,null,null,9813.2926690170007,9880.1463661550006,11243.638590934999,11075.136290963996,10616.670705348999,11108.883966777001,8324,7750,8068.393435,10960,10593.111508,9442.9079389999988,8532.2715219999991,3709,3569,3172,3505,null,null,10616.670705348999,8068.393435,3709.4520000000002,3763.1782829999997,2809.3624479999999,2683.67787,1656.3371589999999,2447.0222290000002,1480.3409779900001,1483.9221635900001,991.39455799999996]
["Derivatives",1405.0876940119999,1404.8093291790001,0.27836483299984138,1.9815132717160289E-4,null,1405.0876940119999,1410.9188816689998,-5.8311876569998731,-4.1329007165189502E-3,null,null,1405.0876940119999,1410.9188816689998,1229.9884405140001,1194.6327328089999,1404.8093291790001,1273.0857226349999,1067,1282,1488.0359920000001,1891,1862.3730370000003,1855.991239,1808.0021549999999,333,380,589,808,null,null,1404.8093291790001,1488.0359920000001,332.88200000000001,864.94354399999997,92.324663000000001,35.763579,25.149507,44.257966000000003,15.307216650000001,1.0081659700000001,2.4187999999999998E-2]
["Financial investments",13355.459425157002,16534.963974514001,-3179.5045493569996,-0.19228977784636825,null,13355.459425157002,14136.275867730004,-780.81644257300286,-5.5234946592647827E-2,null,null,13355.459425157002,14136.275867730004,14917.745485177007,14410.349263707001,16534.963974514001,18847.243606213997,19384,19264,19630.901704,20224,20017.159151,20000.132809999999,18478.968416070002,7271,6842,6566,5280,null,null,16534.963974514001,19630.901704,7270.5469999999996,5136.6069944934743,4133.414702,3757.8540079999998,4107.8057360000003,2964.7018900000003,1077.30728544,662.93540122999991,528.32532100000003]
["Investments in associates",4.9354986060000003,5.0166090719999996,-8.1110465999999271E-2,-1.6168384826458548E-2,null,4.9354986060000003,4.826559284,0.10893932200000034,2.2570803669838435E-2,null,null,4.9354986060000003,4.826559284,4.8959047920000005,4.9863801919999995,5.0166090719999996,4.9190444060000003,5,5,4.9608509999999999,5,4.7689219999999999,5.6688749999999999,5.4669410000004284,5,3,3,3,null,null,5.0166090719999996,4.9608509999999999,5.4370000000000003,2.526443506525792,23.993655999999998,24.707342000000001,22.146044999999997,15.128281000000001,11.402492269999998,9.6961264100000015,8.9588049999999999]
["Intangible fixed assets",1321.0108973500001,1065.548484791,255.46241255900009,0.23974733783147117,null,1321.0108973500001,1329.937133012,-8.9262356619999537,-6.7117726397969424E-3,null,null,1321.0108973500001,1329.937133012,1317.6989859569999,1082.9873899670001,1065.548484791,1192.0692801110001,1191,1197,1219.815971,1154,1205.7113629999999,1161.192943,1097.08618546,972,931,941,934,null,null,1065.548484791,1219.815971,971.88099999999997,951.88813899999991,1136.8086350000001,1220.747325,880.65733999999998,177.03958700000001,107.54357679,104.90033254000001,46.675606000000002]
["Tangible fixed assets",1596.8960692740011,1511.4769947459999,85.419074528001147,5.6513645146385905E-2,null,1596.8960692740011,1602.3221131349997,-5.4260438609985613,-3.3863627147866504E-3,null,null,1596.8960692740011,1602.3221131349997,1607.8843571999989,1502.094249243999,1511.4769947459999,1427.3007298699997,1448,1430,1453.6303360000002,1343,1330.867426,1309.6671069999998,1290.05013564,1244,1259,1272,1241,null,null,1511.4769947459999,1453.6303360000002,1244.2329999999999,1263.7686740000001,1153.596415,1055.7332589999999,738.83468400000004,441.01385799999997,333.47714625999998,273.52248699999996,225.46064000000001]
["Other assets",2037.9452384719998,2173.7027398759997,-135.75750140399987,-6.2454492472022283E-2,null,2037.9452384719998,2353.4172718640002,-315.47203339200041,-0.1340484907473013,null,null,2037.9452384719998,2353.4172718640002,2039.7990481430013,2868.939852662003,2173.7027398759997,2335.5568899840014,2362,2251,2066.8903769999997,2788,2557.460223999999,2410.628475,1329.4646580499998,820,1010,895,938,null,null,2173.7027398759997,2066.8903769999997,820.27599999999995,985.07477699999993,899.27591900000004,651.74080400000003,497.26567999999997,267.45153599999998,333.10039944999994,140.26794033000002,109.74786200000001]
["Total assets",136116.02291149698,146985.002817086,-10868.979905589018,-7.394618292530708E-2,null,136116.02291149698,147128.17518405899,-11012.152272562002,-7.4847338103566363E-2,null,null,136116.02291149698,147128.17518405899,152717.27332423299,148798.18714632402,146985.002817086,148367.74103251999,137556,139463,131173.114107,143079,147912.40420300001,145573.77322499995,145638.08216197003,76275,77522,77862,79883,null,null,146985.002817086,131173.114107,76275.328999999998,85396.984704999995,72742.804509000009,55866.99452,40694.862305000002,28907.121999999999,20062.62909119,14380.752197520002,11474.304312]
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[null,null,null,null,null,null,0]
[null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,0]
["Equity and liabilities\n€ million","31/12\n2012","31/12\n2011","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2012","30/9\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2012","30/9\n2012","30/6\n2012","31/3\n2012","31/12\n2011","30/9\n2011","30/6\n2011","31/3\n2011","31/12 \n2010","30/9/ 2010\ncombined figures","30/6/ 2010 \ncombined figures","31/3/ 2010 \ncombined figures","31/12 2009 \ncombined figures","31/12 \n2009","30/9 \n2009","30/6 \n2009","31/3 \n2009",null,null,"31/12\n2011","31/12 \n2010","31/12\n2009","31/12\n2008","31/12\n2007","31/12\n2006","31/12\n2005","31/12\n2004","31/12\n2003","31/12\n2002","31/12\n2001"]
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["Deposits from banks",30186.449255818996,37991.808545944987,-7805.3592901259908,-0.20544847926064547,null,30186.449255818996,36772.778481983994,-6586.3292261649985,-0.17910882718290722,null,null,30186.449255818996,36772.778481983994,40343.688080315987,39317.617192316007,37991.808545944987,37606.685523706015,34829,37047,33659.182182999997,44373,48681.159784999996,49379.582184999999,49098.824571856981,20110,21017,22610,24965,null,null,37991.808545944987,33659.182182999997,20110.169999999998,26213.163392000002,19926.969548000001,13813.569099999999,10236.464443999999,6619.765445,5319.7444142800005,2908.92208377,2584.4560769999998]
["Deposits from customers",66297.150535260007,66747.234305767008,-450.08377050700074,-6.7431074139369107E-3,null,66297.150535260007,70942.022191236974,-4644.8716559769673,-6.5474193045355844E-2,null,null,66297.150535260007,70942.022191236974,72011.145673427018,67748.80680230599,66747.234305767008,68936.003737596999,63625,60863,57633.112935000005,55565,55234.841946,54428.923374999998,55407.04924,42578,42607,42276,40936,null,null,66747.234305767008,57633.112935000005,42578.249000000003,44205.905761000002,40457.265952000002,33156.348525000001,24889.548234000002,18169.461155000001,12082.772339469999,9365.1707364199992,7137.1917989999993]
["Debt securities issued",13290.101542965998,14366.813622366,-1076.712079400002,-7.4944389737456873E-2,null,13290.101542965998,13102.821045815001,187.28049715099769,1.4293143170936773E-2,null,null,13290.101542965998,13102.821045815001,12455.799065673998,13486.106883306,14366.813622366,15161.216553603001,15398,18946,16555.382174000002,17578,18673.591506000001,18481.273603999998,19922.119573,2527,2615,2827,2949,null,null,14366.813622366,16555.382174000002,2526.6509999999998,3393.38319,2320.4280839999997,1421.7046319999999,759.07181800000001,662.45770200000004,432.90756406999998,405.56458380999999,416.95538099999999]
["Provisions for liabilities and charges",720.99551395000003,770.956886951,-49.96137300099997,-6.4804366945327541E-2,null,720.99551395000003,677.27752984899996,43.71798410100007,6.454958591457638E-2,null,null,720.99551395000003,677.27752984899996,699.46923911299996,756.55989125899998,770.956886951,725.30219434399999,654,691,671.9084620000001,614,560.22488299999998,612.94295,511.17741874999973,312,347,330,379,null,null,770.956886951,671.9084620000001,311.53100000000001,436.76716399999998,315.00648899999999,217.64603500000001,131.467871,112.36839999999999,66.586753259999995,54.078357799999999,56.200142999999997]
["Trading liabilities",8824.242137184001,9714.9263020450035,-890.6841648610025,-9.1682030019467287E-2,null,8824.242137184001,8768.4150042859965,55.827132898004493,6.3668442780955292E-3,null,null,8824.242137184001,8768.4150042859965,10749.656720358002,9677.5788005069971,9714.9263020450035,9264.7154092739984,5653,4852,5741.5909790000005,7519,7104.0334680000005,5364.6452730000001,4391.4909500000003,514,574,724,1161,null,null,9714.9263020450035,5741.5909790000005,514.19899999999996,1460.1345959999999,541.01006700000005,486.21842599999997,264.13875199999995,409.94411600000001,114.84250048999999,115.42868525,94.759945999999999]
["Derivatives",471.80375079700002,791.71962524399999,-319.91587444699996,-0.40407723169474941,null,471.80375079700002,518.60641649499996,-46.802665697999942,-9.0246985400442292E-2,null,null,471.80375079700002,518.60641649499996,546.36211246100004,519.256168237,791.71962524399999,797.93490806700004,721,955,1263.5277269999999,1580,1800.3577719999998,1584.5685119999998,1482.449398,259,312,351,740,null,null,791.71962524399999,1263.5277269999999,259.43299999999999,831.89601500000003,154.26578700000002,20.398197,17.089933000000002,24.212666000000002,13.365174150000001,4.5903411600000004,1.566041]
["Other liabilities",1515.338269732001,1515.024440554,0.31382917800101495,2.071446305422775E-4,null,1515.338269732001,1455.7558277269998,59.582442005001212,4.0928870673341278E-2,null,null,1515.338269732001,1455.7558277269998,1272.8208080900001,2019.3639564749988,1515.024440554,1436.5308267730009,2094,1430,1243.38653,1657,1581.9490330000003,1397.1602610000002,1184.8312886201275,505,848,757,817,null,null,1515.024440554,1243.38653,504.62900000000002,653.07305299999996,873.95495199999993,745.366039,539.97334000000001,288.41133399999995,343.30856159000001,188.06586348999997,168.34895599999999]
["Subordinated capital",3937.0491068669999,4150.7331369490003,-213.68403008200039,-5.1481033116734909E-2,null,3937.0491068669999,3754.2550655810001,182.79404128599981,4.8689830097548459E-2,null,null,3937.0491068669999,3754.2550655810001,3788.3356401999999,3799.2990515910001,4150.7331369490003,4091.4591370289995,4099,4007,4001.0977599999997,4138,4222.8901059999998,4340.6774379999997,4313.856957,2470,2340,1772,1720,null,null,4150.7331369490003,4001.0977599999997,2470.2849999999999,1684.456124,1531.7659580000002,1416.1601049999999,580.74556000000007,443.698014,310.58379112,193.52358790000002,133.34472200000002]
["Equity",10872.89279892205,10935.785951264921,-62.893152342870962,-5.7511323487083876E-3,null,10872.89279892205,11136.243621084939,-263.35082216288902,-2.3648083781524942E-2,null,null,10872.89279892205,11136.243621084939,10849.995984595604,11473.598400333192,10935.785951264921,10347.893078333978,10483,10672,10403.925360000001,10055,10053.355695,9983.9996269999992,9326.2827647429258,7000,6862,6215,6216,null,null,10935.785951264921,10403.925360000001,7000.1819999999998,6518.2055099999998,6622.1376769999997,4589.5834610000002,3276.3625059999995,2176.8029999999999,1378.5179927599997,1146.1360949700002,881.34021600000005]
["   Consolidated equity",9428.368271059051,8825.2281921489121,603.14007891013898,6.8342717692750909E-2,null,9428.368271059051,9405.5207183579369,22.847552701114182,2.4291640394262792E-3,null,null,9428.368271059051,9405.5207183579369,9280.4898334077134,9869.3880235638953,8825.2281921489121,8550.3662132909867,8773,9297,8250.7598429999998,8234,8564.3416379999999,8609.4719979999991,7875.5817110000007,5790,5711,5178,5263,null,null,8825.2281921489121,8250.7598429999998,5790.4629999999997,4613.1935429999994,4986.1795269999993,2803.6014569999998,2418.884607,1628.902,924.00524439999992,815.58630982000011,594.214966]
["   Consolidated profit",725.38149028199905,967.663498003001,-242.28200772100195,-0.25037836832846061,null,725.38149028199905,842.38450503300203,-117.00301475100298,-0.13889502246532792,null,null,725.38149028199905,842.38450503300203,700.92723950300001,541.08983704599905,967.663498003001,745.4774630349981,615,270,1087.4752879999999,783,472.18464799999998,333.70477799999998,450.26529374292517,212,156,78,56,null,null,967.663498003001,1087.4752879999999,212.18100000000001,981.98619400000007,841.25764400000003,1182.1264199999998,382.33416099999999,210.94399999999999,178.73315421999999,103.54902537000001,93.736979000000005]
["Non-controlling interests",719.14303758100004,1142.894261113008,-423.751223532008,-0.37077027853769928,null,719.14303758100004,888.33839769400004,-169.19536011299999,-0.19046273419251836,null,null,719.14303758100004,888.33839769400004,868.57891168489095,1063.120539723297,1142.894261113008,1052.04940200799,1095,1105,1065.690229,1038,1016.8294089999999,1040.8228510000001,1000.43576,998,995,959,897,null,null,1142.894261113008,1065.690229,997.53800000000001,923.02577300000007,794.70050600000002,603.85558400000002,475.14373799999998,336.95699999999999,275.77959414000003,227.00075977999998,193.388271]
["Total equity and liabilities",136116.02291149704,146985.00281708589,-10868.979905588843,-7.394618292530597E-2,null,136116.02291149704,147128.17518405887,-11012.152272561827,-7.4847338103565253E-2,null,null,136116.02291149704,147128.17518405887,152717.27332423459,148798.18714633019,146985.00281708589,148367.741368727,137556,139463,131173.11410999999,143079,147912.40419400003,145573.77322500001,145638.08216197003,76275,77522,77862,79883,null,null,146985.00281708589,131173.11410999999,76275.328999999998,85396.984805,72742.804514000003,55866.994520000007,40694.862458000003,28907.121831999997,20062.629091190003,14381.480334569998,11474.163280999999]
[]
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[]
[]
[]
[]
[]
["Back to Contents"]

{"sheet":"Income statement","index":4,"n_rows":36,"n_cols":46,"rows_kept":36,"cut":false,"hidden":false,"merged":[[0,11,6,11],[0,32,6,32]]}
["Income statement",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Archive"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* excluding one-off"]
[" \n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4 2012\n","Q3 2012\n","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4\n2011","Q3\n2011","Q2\n2011","Q1 \n2011","Q4 2010\ncombined figures","Q3 2010 \ncombined figures","Q2 2010\ncombined figures","Q1 2010\ncombined figures","Q3\n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\npro forma","1/1-31/12\n2009","1/1–31/12\n2008","1/1–31/12\n2007","1/1–31/12\n2006","1/1-31/12 \n2006*","1/1-31/12 \n2005","1/1–31/12\n2004","1/1–31/12\n2003","1/1–31/12\n2002","1/1–31/12\n2001"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group",null,null,null,null,"RBI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group"]
["Interest income",6478.884372864999,6614.4171377030025,-135.53276483800346,-2.0490507631496291E-2,null,1519.6572858179979,1609.3962545180002,-89.73896870000226,-5.5759399494115458E-2,null,null,1519.6572858179979,1609.3962545180002,1689.9120567370001,1659.9187757920008,1757.4401377030024,1687.7769999999998,1600.9,1568.3,1555.3206850000006,1588.0785360000002,1629.9682189999996,1590.2992830000001,1182.5999999999999,1214.5999999999999,1193.2,1273.17,1345.8999999999996,1423.5,1546,null,null,6614.4171377030025,6364.799,7091.2980262698702,5588.5662999999995,6183.2780000000002,4606.006746,3249.099119,3249.099119,2102.8139000000001,1512.9920496755101,1115.4784968400002,856.00449616000014,700.52801328999988]
["Current income from associates",5.0492006000000006E-2,8.8968224000000012E-2,-3.8476218000000006E-2,-0.43247146306978101,null,8.5437310000000058E-3,3.0556013999999999E-2,-2.2012282999999994E-2,-0.72039118060359553,null,null,8.5437310000000058E-3,3.0556013999999999E-2,-8.4133230000000003E-3,1.9805584000000001E-2,3.5968224000000014E-2,5.2999999999999999E-2,0,0,1.1322770000000002,-3.007899999999996E-2,-0.94879900000000006,4.6600999999999997E-2,0,-0.9,0,2.4300000000000002,0,0.2,0.3,null,null,8.8968224000000012E-2,0.2,2.9309281199999955,2.9310999999999998,0.60299999999999998,-0.69092299999999995,-0.90848800000000007,-0.90848800000000007,0.50167399999999995,7.2852E-2,1.5897371499999999,4.5218853299999999,0]
["Interest expenses ",-3006.7798465699975,-2947.3558520140009,-59.423994555996615,2.0161798418535382E-2,null,-643.43121272399708,-775.13642412599916,131.70521140200208,-0.16991229840670374,null,null,-643.43121272399708,-775.13642412599916,-803.57135735500106,-784.640852365,-814.08585201400081,-745.17,-704,-684.1,-686.70367500000032,-660.86655899999971,-707.54366400000015,-731.71710199999995,-451.2,-473.5,-503.3,-563.5,-617.29999999999995,-695,-779.2,null,null,-2947.3558520140009,-2786.8310000000001,-3811.8649999999998,-2654.9956000000002,-2951.8710000000001,-2186.4673360000002,-1484.309452,-1484.309452,-901.21749899999998,-709.59326980424521,-553.38741124000001,-466.83029161000002,-436.42019693000003]
["Net interest income",3472.1550183010022,3667.150253913002,-194.99523561199976,-5.3173505886193739E-2,null,876.23461682500124,834.29038640600061,41.944230419000633,5.0275337103775408E-2,null,null,876.23461682500124,834.29038640600061,886.33228605900001,875.297729011,943.39025391300197,942.56,896.9,884.3,870.88156399999991,927.18189800000061,921.47575599999948,858.62878200000011,731.3,740.2,689.9,712.1,728.60000000000025,728.69999999999993,767.1,null,null,3667.150253913002,3578.1680000000001,3282.3639543898707,2936.5018,3232.01,2418.8484869999997,1763.881179,1763.881179,1202.0980750000001,803.4716318712666,563.68082275000006,393.69608988000005,264.1078163599999]
["Net provisioning for impairment losses",-1008.822763958,-1063.550924444,54.728160485999979,-5.1457959584408797E-2,null,-385.45125130999998,-223.51055310199999,-161.94069820799999,0.72453267177097302,null,null,-385.45125130999998,-223.51055310199999,-246.91246013600002,-152.94849940999998,-281.94692444399993,-376.6040000000001,-196.8,-208.2,-280.69974200000001,-305.74574900000005,-282.69708900000001,-324.94141999999999,-277.39999999999998,-265.10000000000002,-294.8,-372.88,-396.50000000000006,-523.29999999999995,-445.2,null,null,-1063.550924444,-1194.0840000000001,-2232.2017090000004,-1737.8824,-780.30100000000004,-356.97612300000003,-308.87708100000003,-308.87708100000003,-167.260426,-137.59629699999999,-87.598692510000006,-49.513726380000001,-14.349010839999998]
["Net interest income after provisioning",2463.3322543429999,2603.599329469002,-140.26707512600206,-5.3874293766471792E-2,null,490.78336551499979,610.77983330400025,-119.99646778900046,-0.19646435793382733,null,null,490.78336551499979,610.77983330400025,639.41982592299996,722.34922960099993,661.44332946900192,565.95600000000002,700.1,676.1,590.18182199999956,621.43614900000057,638.77866699999947,533.68736200000012,454,475.1,395.1,339.22,332.1,205.39999999999998,321.89999999999998,null,null,2603.599329469002,2384.0839999999998,1050.1622453898703,1198.6193999999998,2451.7089999999998,2061.8723639999994,1455.0040979999999,1455.0040979999999,1034.8376490000003,665.87533487126666,476.08213024000003,344.18236350000001,249.75880551999987]
["Fee and commission income",1869.194417674001,1795.2571918310002,73.937225843000761,4.1184754017106195E-2,null,491.85726688400098,487.10690674999989,4.7503601340010846,9.7521921126015876E-3,null,null,491.85726688400098,487.10690674999989,419.748686883,470.481557157,443.09819183100007,475.05900000000014,449.4,427.7,471.87855100000007,441.39091999999988,444.26640900000001,395.69711999999998,385,371.8,333.3,372.72,374.5,345.80000000000007,348.4,null,null,1795.2571918310002,1753.2329999999999,1684.1545859999999,1441.4151999999999,1764.2360000000001,1474.6344040000001,1108.854795,1108.854795,518.75177799999994,395.932569,301.33362306999999,206.98022611000002,134.88127068000003]
["Fee and commission expense",-352.79539505800005,-305.33045319999997,-47.464941858000088,0.1554543327091884,null,-95.843358728000055,-87.36117563800002,-8.482183090000035,9.7093280030339901E-2,null,null,-95.843358728000055,-87.36117563800002,-44.989279696999972,-124.60158099500001,-77.674453199999959,-87.556000000000012,-69.5,-70.599999999999994,-69.35178099999996,-68.118638000000004,-66.155889000000002,-58.814692000000001,-62.4,-55.7,-50.9,-56.06,-52.900000000000006,-54.7,-54.7,null,null,-305.33045319999997,-262.44099999999997,-263.26400000000001,-218.35839999999999,-267.86700000000002,-224.79985600000001,-175.566035,-175.566035,-111.916962,-96.276225999999994,-88.220968689999992,-72.477583719999998,-55.265984869999997]
["Net fee and commission income",1516.3990226160008,1489.926738631,26.472283985000786,1.7767507152280926E-2,null,396.01390815600081,399.74573111199999,-3.7318229559991778,-9.3354917027334006E-3,null,null,396.01390815600081,399.74573111199999,374.75940718600003,345.87997616199999,365.42373863100022,387.60299999999995,379.8,357.1,402.52677000000006,373.2722819999999,378.11052000000001,336.882428,322.60000000000002,316.2,282.3,316.66000000000003,321.59999999999997,291.09999999999997,293.7,null,null,1489.926738631,1490.7919999999999,1420.8903190000003,1223.0568000000001,1496.3689999999999,1249.8345480000003,933.28876000000002,933.28875999999991,406.83481599999999,299.65634299999999,213.11265437999995,134.50264239000003,79.615285810000017]
["Net trading income",214.685620005,363.26061446599999,-148.57499446099999,-0.40900386263842026,null,-5.8010248839999861,53.571372429999997,-59.372397313999983,"–",null,null,-5.8010248839999861,53.571372429999997,84.909641343000004,82.005631115999989,70.282614465999956,36.777999999999992,132.80000000000001,123.4,69.95125800000001,65.814292999999978,66.198002000000017,126.15744699999998,38.700000000000003,36.4,57.6,39.64,27.799999999999976,73.300000000000011,45.6,null,null,363.26061446599999,328.12099999999998,418.88616000000002,186.33960000000002,167.642,127.89122900000001,174.823486,174.823486,300.80162800000005,220.144924,241.62423656999997,199.68648578,173.19922040000003]
["Net income from derivatives and liabilities",-127.46209614100002,412.82765355999999,-540.28974970100001,"–",null,-19.558682147000006,-87.790714038000004,68.232031890999991,-0.77721240382514623,null,null,-19.558682147000006,-87.790714038000004,-54.640527771000009,34.527827815000002,263.77665356,108.45099999999999,37.799999999999997,2.8,42.765810999999992,4.595952000000004,-86.33810600000001,-45.208656999999995,-0.49999999999999645,-17.8,-18.600000000000001,2.71,-13.499999999999998,23.9,-4.9000000000000004,null,null,412.82765355999999,-84.185000000000002,180.27887100000001,8.2053999999999991,-19.920999999999999,-30.169915,4.689565,4.689565,0.15484299999999998,-3.9056739999999999,1.6085379700000006,-0.77635591999999976,-1.43166255]
["Net income from financial investments",318.41038663200004,-141.07734191200001,459.48772854400005,"–",null,19.179518508000001,45.957456808000018,-26.777938300000017,-0.58266797512038704,null,null,19.179518508000001,45.957456808000018,-8.1170805720000203,261.39049188800004,4.6456580880000047,-157.72300000000001,-13.1,25.1,1.0128510000000119,83.542415000000005,-87.852988000000011,140.52072200000001,32.6,-39.9,54.6,-2.25,12.299999999999999,34.200000000000003,-2.9,null,null,-141.07734191200001,137.22300000000001,390.60211300000003,41.350099999999998,-25.638000000000002,-9.2427060000000001,103.187409,1.2189149999999935,10.908138000000001,8.2726989999999994,3.0615485199999997,9.9637597899999975,-2.0801740899999999]
["General administrative expenses",-3263.8502933100012,-3120.4397312680012,-143.41056204200004,4.595844637054558E-2,null,-927.66488550900124,-818.48412028199994,-109.1807652270013,0.13339387108620282,null,null,-927.66488550900124,-818.48412028199994,-764.40344369699994,-753.29784382200012,-833.75273126800153,-772.38699999999994,-761.3,-753,-827.13868799999966,-727.77342800000008,-724.87170300000014,-699.96118100000001,-614.9,-622.70000000000005,-584.6,-591.73,-534.9,-569.49999999999989,-573.6,null,null,-3120.4397312680012,-2979.7449999999999,-2715.4618299999997,-2269.7255,-2633.03,-2184.0198089999999,-1693.6713689999999,-1693.6713689999999,-1162.5098370000001,-823.34753999999998,-658.63610083000003,-510.40667728,-356.59449477999993]
["Other net operating income",-102.03536809800001,-232.16658065400003,130.13121255600004,-0.56050794300121842,null,-50.230842690000003,-16.035696360999999,-34.195146329000004,2.1324391257597726,null,null,-50.230842690000003,-16.035696360999999,-27.817529331999999,-7.9512997149999993,-190.23958065400004,-15.427,-2.6,-23.9,10.844761999999999,-2.9415300000000002,2.9858170000000008,-4.5920490000000003,-12.8,-9.4,-17.3,-23.33,-12.5,11.8,3.7,null,null,-232.16658065400003,6.2969999999999997,45.352560999999973,-20.325099999999999,-15.856,-5.0781499999999999,-4.2629500000000116,-4.2629500000000116,-22.470466000000002,-25.923821,-0.15222735999999998,-1.8591922099999934,17.304857980000001]
["Net income from disposal of group assets",12.136698043000001,-2.5754973560000005,14.712195399000002,"–",null,13.689623983000001,2.6751292000000038E-2,13.662872691,">500,0%",null,null,13.689623983000001,2.6751292000000038E-2,-1.514389569,-6.5287662999999996E-2,3.5026439999996661E-3,2.0999999999999908E-2,-0.1,-2.5,1.9435000000000535E-2,-0.15546900000000008,0.2109299999999994,4.6591040000000001,-0.1,0.1,-3.1,-0.02,0,0,0.1,null,null,-2.5754973560000005,4.734,-0.41266999999999987,7.6299999999999993E-2,7.86,26.516562999999998,506.55340200000001,20.074814430999918,0,0,0,0,0]
["Profit before tax",1031.6162240900051,1373.3551849360001,-341.73896084599505,-0.24883508985471992,null,-83.589019067995878,187.77061426500097,-271.35963333299685,"–",null,null,-83.589019067995878,187.77061426500097,242.59590351099894,684.83872538200103,341.58318493600018,153.27199999999993,473.5,405,290.16502100000008,417.79066399999994,187.22113899999994,392.14517599999994,219.5,137.80000000000001,166.2,80.900000000000006,132.89999999999998,70.200000000000088,83.599999999999923,null,null,1373.3551849360001,1287.3219999999999,790.29776938987038,367.59699999999947,1429.135,1237.6041239999997,1479.6124010000001,891.16531943100006,568.55677100000025,340.77226587126648,276.70077949,175.29302605000001,159.77183828999998]
["Income taxes  ",-283.93328713999995,-399.242528682,115.30924154200005,-0.28882003608850204,null,-57.754343623999944,-32.391166679999998,-25.363176943999946,0.7830275826298192,null,null,-57.754343623999944,-32.391166679999998,-82.866137304999995,-110.92163953100001,-127.27552868200003,-70.866999999999976,-101.4,-99.7,34.047967000000007,-80.421944000000011,-30.584400999999993,-33.202622000000005,-46.5,-49.8,-42.1,-9.5,-36.299999999999997,-14.800000000000004,-19.899999999999999,null,null,-399.242528682,-110.161,-259.30589199999997,-80.499800000000008,-350.88,-264.14902799999999,-205.24028799999999,-205.24028799999999,-108.963275,-71.019570000000002,-49.253484049999997,-39.247571380000004,-32.678732869999997]
["Profit after tax",747.68293694999807,974.11265625400199,-226.42971930400392,-0.23244715880681655,null,-141.34336269200389,155.37944758500191,-296.72281027700581,"–",null,null,-141.34336269200389,155.37944758500191,159.72976620599911,573.91708585100093,214.30665625400195,82.406000000000063,372,305.39999999999998,324.21298800000022,337.36871999999994,156.63673800000004,358.94255399999986,173,88.1,124,71.400000000000006,96.6,55.40000000000007,63.699999999999925,null,null,974.11265625400199,1177.1610000000001,530.9918773898703,287.09719999999948,1078.2550000000001,973.45509599999991,1274.3721130000001,685.92503143100009,459.5934960000003,269.7526958712665,227.44729543999998,136.04545467,127.09310541999997]
["Profit attributable to non-controlling interests",-22.301446668000001,-6.4491582489999999,-15.852288419000001,2.4580399188464699,null,24.340347940999994,-13.922182054999993,38.262529995999984,"–",null,null,24.340347940999994,-13.922182054999993,0.1076362510000024,-32.827248805000004,7.8788417510000031,47.971999999999994,-27,-35.299999999999997,-19.92244599999999,-26.367911000000017,-18.156866999999995,-25.237776,-25.3,-17.350000000000001,-24.1,-14.82,-19.100000000000001,-33.5,-7.5,null,null,-6.4491582489999999,-89.685000000000002,-80.726584646946804,-74.916499999999999,-96.269000000000005,-132.19745399999999,-92.245693000000003,-92.245693000000003,-77.25933599999999,-60.315233999999997,-48.714141219999995,-32.503632080000003,-33.356126590000002]
["Consolidated profit",725.381490281997,967.663498005002,-242.28200772300499,-0.25037836833001281,null,-117.00301475100594,141.45726553000293,-258.46028028100886,"–",null,null,-117.00301475100594,141.45726553000293,159.83740245699994,541.08983704600007,222.18649800500208,130.27699999999999,345.2,270,304.28954200000015,311.00080899999995,138.479871,333.70477799999986,147.6,70.7,99.9,56.58,77.5,21.90000000000007,56.199999999999925,null,null,967.663498005002,1087.4749999999999,450.26529274292352,212.18069999999949,981.98599999999999,841.25764199999992,1182.1264199999998,593.67933843100013,382.33416,209.43746187126649,178.73315421999999,103.54182259000001,93.736978829999984]
[]
[]
[]
[null,"1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4 2012\n","Q3 2012\n","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4\n2011","Q3\n2011","Q2\n2011","Q1 \n2011","Q4 2010\ncombined figures","Q3 2010 \ncombined figures","Q2 2010\ncombined figures","Q1 2010\ncombined figures","Q3\n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\npro forma","1/1-31/12\n2009","1/1–31/12\n2008","1/1–31/12\n2007","1/1–31/12\n2006","1/1-31/12 \n2006*","1/1-31/12 \n2005","1/1–31/12\n2004","1/1–31/12\n2003","1/1–31/12\n2002","1/1–31/12\n2001"]
["Cost/Income ratio",0.63503145432379626,0.56989999999999996,6.5131454323796305,0.11428575947323449,null,0.73936402750103281,0.64367904699515432,9.5684980505878485,0.14865324722399853,null,null,0.73936402750103281,0.64367904699515432,0.57989139348328411,0.5815929675539353,0.60584816557906462,0.57149019337659002,0.54110825809119723,0.56158188617233329,0.61079310929464026,0.53382164251704356,0.52957885743405309,0.5314506208282761,0.56945730690868668,0.57476462986893118,0.57738271604938274,0.56621087582649954,0.50201783200375394,0.51543126074757895,0.51671020628772191,null,null,0.56989999999999996,0.55145958468007172,0.52548921361829848,0.52472249284146888,0.53953708532395939,0.57603113476381107,0.59059642590714534,0.59059642590714534,0.61597625152244651,0.63463839767086894,0.64682158991499072,0.70301429854317965,0.66749597879478395]
["Provisioning ratio (avg. loans and advances to customers)",1.2123724456918516E-2,1.3380824021495345E-2,-0.1257099564576829,-9.3947843761893024E-2,null,1.8452364519272971E-2,1.0680076606819862E-2,0.77722879124531086,0.7277370938978136,null,null,1.8452364519272971E-2,1.0680076606819862E-2,1.0607353072611046E-2,7.4999999999999997E-3,1.3846647367651493E-2,1.8741284728931034E-2,9.9114918880987887E-3,2.0892222739566896E-2]
["Return on equity before tax",9.6535614892203719E-2,0.13689696884280145,-4.0361353950597731,-0.29483015067298235,null,-3.0383388960964409E-2,6.8322957498016645E-2,-9.8706346458981056,"–",null,null,-3.0383388960964409E-2,6.8322957498016645E-2,8.6937936365620291E-2,0.25090875026297582,0.12839234710276037,5.8858009096513716E-2,0.17905063203302404,0.15600776802700045,0.11346104674685459,0.16621387236132759,7.4748842246437824E-2,0.16544752838909951,null,null,null,null,null,null,null,null,null,0.1371428633213429,0.13694938772287077]
["Earnings per share",2.6962185729478363,3.9457932570420322,-1.2495746840941959,-0.31668529055953143,null,-0.38890548110483758,0.46862948463785603,-0.85753496574269361,"–",null,null,-0.38890548110483758,0.46862948463785603,3.0851240540526814,2.5224171103546595,0.88499693000917112,0.41280852164267934,1.5170080333926961,1.1309797719974857,1.31,1.34,1.65,0.26,0.87,0.55000000000000004,0.36,0.27,0.20999999999999996,0.14000000000000001,0.37,null,null,3.9457932570420322,4.5621606443530593,1.29,0.99,6.39,5.8022957287367447,8.290689328580962,4.17,2.7888417606925744,1.931740357029323,1.7873315422,1.0354182259,0.93736978829999995]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* excluding one-off"]
["Back to Contents"]

{"sheet":"Equity","index":5,"n_rows":64,"n_cols":8,"rows_kept":64,"cut":false,"hidden":false,"merged":[[49,4,49,5],[49,6,49,7],[0,0,0,3]]}
["Statement of changes in equity \nand comprehensive income"]
[]
["€ million","Subscribed \ncapital","Participation        capital/rights","Capital \nreserves","Retained \nearnings","Consolidated \nprofit","Non-controlling\ninterests","Total"]
["Equity as of 1/1/2006",434.22746899999999,0,1432.4062570000001,552.25088100000005,382.33416,475.14373799999998,3276.3625050000001]
["Capital increases",0,0,0,0,0,73.335336999999996,73.335336999999996]
["Transferred to retained earnings",0,0,0,318.13052700000026,-318.13052700000026,0,0]
["Dividend payments",0,0,0,0,-64.203632999999996,-46.436578999999995,-110.64021200000001]
["Comprehensive income",0,0,0,73.245888999999991,1182.1264199999998,106.36064999999999,1361.7329589999997]
["Own shares/share incentive program",-0.50826100000000007,0,-5.8310010000000005,0,0,0,-6.3392620000000006]
["Other changes",0,0,0,-0.32030400000046938,0,-4.5475619999999184,-4.8678660000003875]
["Equity as of  31/12/2006",433.71920799999998,0,1426.5752560000001,943.30699299999981,1182.1264199999996,603.85558400000002,4589.5834609999993]
["Capital increases",36.287374999999997,0,1183.5461299999999,0,0,85.495985000000005,1305.3294900000001]
["Transferred to retained earnings",0,0,0,1081.0069390000001,-1081.0069390000001,0,0]
["Dividend payments",0,0,0,0,-101.11948099999999,-38.215701000000003,-139.335182]
["Comprehensive income",0,0,0,-64.535441104314003,841.25764200000003,131.3646965679352,908.08689746362109]
["Own shares/share incentive program",-1.7217979999999999,0,-21.481157,0,0,0,-23.202954999999999]
["Other changes",0.93110900000000008,0,-0.93110900000000008,-30.523977895685398,0,12.199941432064799,-18.324036463620601]
["Equity as of  31/12/2007",469.21489399999996,0,2587.70912,1929.2545130000001,841.25764200000003,794.70050600000002,6622.1376749999999]
["Capital increases",0,0,0,0,0,87.579730999999995,87.579730999999995]
["Transferred to retained earnings",0,0,0,698.48466899999971,-698.48466899999971,0,0]
["Dividend payments",0,0,0,0,-142.77297300000001,-46.855350999999999,-189.62832399999999]
["Comprehensive income",0,0,0,-943.32360499999982,981.98599999999999,80.668861000000007,119.33125600000014]
["Own shares/share incentive program",-0.618506,0,-19.706439999999997,0,0,0,-20.324946000000001]
["Other changes",0,0,0,-107.82164499999955,0,6.9322529999999096,-100.88939199999965]
["Equity as of  31/12/2008",468.59738799999997,0,2568.0026799999996,1,981.98599999999999,923.02599999999995,6518.2060000000019]
["Capital increases",0,600,0,0,0,26.56288808464215,626.56288808464217]
["Transferred to retained earnings",0,0,0,839.05949499999997,-839.05949499999997,0,0]
["Dividend payments",0,0,0,0,-142.92650499999999,-57.297991000000003,-200.22449600000002]
["Comprehensive income",0,0,0,-245.1406094018545,212.18069999999949,69.898007471351121,36.938098069496107]
["Own shares/share incentive program",0.13572800000000002,0,1.128925,0,0,0,1.264653]
["Other changes",0,0,0,-17.914538598147221,0,35.349095444006842,17.434556845859625]
["Equity as of 1/1/2011",593.32325500000002,2500,2567.8742360000001,2589.5623519999995,1087.4752880000001,1065.690229,10403.925360000001]
["Capital increases",0,0,0,0,0,168.930204019,168.930204019]
["Transferred to retained earnings",0,0,0,683.18586900000014,-683.18586900000014,0,0]
["Dividend payments",0,0,0,0,-404.28941900000001,-58.498439712000007,-462.787858712]
["Total comprehensive income",0,0,0,-127.06620371853441,967.66349800500166,-29.261651505465316,811.33564278100187]
["Own shares/share incentive program",8.8870999999999992E-2,0,2.9041840000000003,0,0,0,2.9930550000000005]
["Other changes",0,0,0,15.35562886744674,0,-3.9660806885267448,11.389548178919995]
["Equity as of 31/12/2011",593.41212600000006,2500,2570.7784200000001,3161.0376461489127,967.66349800500166,1142.8942611130078,10935.785951266924]
[]
["Equity as of 1/1/2012",593.41212600000006,2500,2570.7784200000001,3161.0376461489122,967.66349800500166,1142.894261113008,10935.785951266922]
["Capital increases",0,0,0,0,0,17.123768814999998,17.123768814999998]
["Transferred to retained earnings",0,0,0,563.37407735500153,-563.37407735500153,0,0]
["Dividend payments",0,0,0,0,-404.28942065000001,-58.428312194,-462.71773284400001]
["Total comprehensive income",0,0,0,69.361105913396131,725.3814902820028,43.566534168833073,838.30913036423203]
["Own shares/share incentive program",1.178752,0,3.2468569999999999,0,0,0,4.4256089999999997]
["Other changes",0,0,0,-34.020713358258035,0,-426.01321432184102,-460.03392768009905]
["Equity as of 31/12/2012",594.59087800000009,2500,2574.0252770000002,3759.7521160590518,725.3814902820028,719.14303758100004,10872.892798922056]
[]
["Comprehensive income",null,null,null,"Group equity",null,"Non-controlling interests"]
["€ million",null,null,null,"1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2012","1/1-31/12\n2011"]
["Consolidated profit",null,null,null,725.38149028200189,967.66349800500166,22.301446668000001,6.4491582489999999]
["Exchange differences",null,null,null,150.30323682024431,-302.22956734167138,17.097283194984872,-47.376454916328314]
["Capital hedge",null,null,null,0.22539100000000001,31.321014000000002,0,0]
["Hyperinflation",null,null,null,29.827336851151799,83.486436093137002,4.1678043058482004,11.665645161862997]
["Net gains (losses) on derivatives hedging fluctuating cash flows",null,null,null,-1.2447519999999999,-45.951082,0,0]
["Net gains (losses) on financial assets available-for-sale",null,null,null,-147.374919183,150.82432860299997,0,0]
["Deferred taxes on income and expenses directly recognized in equity",null,null,null,37.619668304999998,-44.555944527999998,0,0]
["Other comprehensive income",null,null,null,69.361105913396131,-127.06620371853441,21.265087500833072,-35.710809754465316]
["Comprehensive income",null,null,null,794.74259619539794,840.59729428646733,43.566534168833073,-29.261651505465316]
[]
[]
[]
["Back to Contents"]

{"sheet":"Segment overview","index":6,"n_rows":693,"n_cols":11,"rows_kept":693,"cut":false,"hidden":false,"merged":[]}
["Segment Overview"]
[]
["1/1-31/12/2012\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",1042.9433677300001,868.65383826100003,748.68000351400008,417.51636071799999,404.04085636500002,159.06814303099998,500.81940859399998,-669.56695991199797,3472.1550183010022]
["Net fee and commission income ",495.78427336500005,319.47892040699998,285.13364926700001,209.07049659800001,162.765646839,105.19645054799999,-41.607128846000002,-19.42328556199919,1516.3990226160008]
["Net trading income",7.8864060920000005,53.118484977000001,69.312842982999996,-19.443456733999998,16.301362352000002,78.336040648999997,-36.194627623999999,45.368567310000003,214.685620005]
["Other net operating income",-17.848111314000001,39.716447076999998,-4.8566846469999998,-5.165401930999999,11.525575204999999,12.782118056,43.636808003999995,-181.82611854800001,-102.03536809800001,"*"]
["Operating income",1528.765935873,1280.9676907219998,1098.2698111170002,601.97799865100001,594.63344076099997,355.38275228399993,466.65446012799993,-825.44779671199547,5101.2042928240035]
["General administrative expenses",-1036.922751502,-701.64627580999991,-510.96902203399998,-383.96538182099999,-177.104669626,-256.400050824,-328.27418033800001,131.43203864499867,-3263.8502933100012]
["Operating result",491.84318437099995,579.32141491199991,587.30078908300027,218.01261682999996,417.52877113499994,98.98270145999993,138.38027978999995,-694.01575806699702,1837.3539995140029]
["Net provisioning for impairment losses",-517.22046110100007,-287.40636551299997,15.946202633999999,-88.689803658000002,-113.05976498599999,-17.7731812,-0.61939069999999996,5.6600000243633988E-7,-1008.822763958]
["Other results",78.370089447000012,10.778800535999999,-4.7199495249999996,-21.286337206999999,14.440151531,177.18934960000001,-537.24167076599997,485.55455491799972,203.08498853400005]
["Profit/loss before tax",52.992812716999964,302.693849935,598.52704219200029,108.03647596499999,318.90915767999996,258.39886985999993,-399.48078167600005,-208.46120258299518,1031.6162240900051]
["Income taxes  ",-67.654355124999995,-35.935605302000006,-125.663952962,-47.163426437000005,-71.582843725999993,-67.880665136999994,131.94756153100002,1.7999962437897922E-8,-283.93328713999995]
["Profit/loss after tax",-14.661542408000038,266.758244633,472.86308923000036,60.873049527999989,247.32631395399994,190.51820472299994,-267.53322014500003,-208.4612025650022,747.68293694999807]
["Profit attributable to non-controlling interests",1.8877485505380878,-15.534385451861974,-5.0300138288749991,-6.3221893787426717,0.112936465,-0.52674111681999991,-0.10805409780000011,3.2192521905615563,-22.301446668000001]
["Consolidated profit/loss",-12.77379385746195,251.22385918113801,467.83307540112537,54.550860149257318,247.43925041899996,189.99146360617996,-267.64127424280002,-205.24195037444159,725.381490281997]
[]
["Share of profit before tax",4.27334709729974E-2,0.24409270213642739,0.48265296127338325,8.712075039931233E-2,0.25716874674156459,0.20837317436965,-0.32214180589333502,"–",1]
["Risk-weighted assets (credit risk)",21957.833809843392,13168.810644280096,10242.994031529441,5148.0265351088501,13151.234723268266,3323.1534161942595,18957.029399355302,-17812.695059579612,68136.387499999997]
["Total own funds requirement",2044.7270917874714,1269.4519625424077,978.50691852235536,503.17216080870804,1116.4751608614613,369.37405294814857,1565.2071789484244,-1221.1895264189777,6625.7250000000004]
["Total assets",40787.142996056013,21345.863872337985,15635.306598959996,6323.791123721001,18996.626218715999,20242.596512079996,47341.359561035992,-34556.663971409995,136116.02291149698]
["Liabilities",37075.826507455211,18408.608916492973,13175.284559855012,5274.8432857510015,13190.568187815003,25569.822117093991,31161.089964273,-18612.913426161173,125243.130112575]
["Net interest margin (avg. assets)",2.6781512806325337E-2,3.8978224023974724E-2,4.8282210223082746E-2,6.4483950023160305E-2,1.9265767511462712E-2,6.764170349367841E-3,9.1445252728026248E-3,"–",2.3725138866866422E-2]
["Net interest margin (avg. interest bearing assets)",2.8545318814533874E-2,4.2104441189997392E-2,5.2866572277511889E-2,7.12006717167388E-2,1.934398481266315E-2,8.4602241428713178E-3,"–","–",2.6556933098486168E-2]
["NPL Ratio",0.11515540184561396,0.12465360990002901,5.0493144138459255E-2,0.28239486983005591,4.8041324000340238E-2,4.136797206647682E-2,"–","–",9.8183699896627202E-2]
["NPL Coverage Ratio",0.64029137200724373,0.61975739028694588,0.99967306893992125,0.70188943697728601,0.60599999999999998,0.90295935517021497,"–","–",0.67019572769684488]
["Cost/income ratio",0.67827436965349863,0.54774705161730242,0.46524908256771319,0.63783956005276876,0.29783839502760728,0.72147578681337055,0.70346307254399065,"–",0.63503145432379626]
["Provisioning ratio (avg. loans and advances to customers)",1.8244756694875582E-2,1.9275420627996833E-2,-1.7025132000222584E-3,1.8263747956025346E-2,5.5864312333395554E-3,3.7767409656651119E-3,1.3787275161096166E-4,"–",1.2123724456918516E-2]
["Average equity ",3038.2378207865281,2059.4317716512969,1528.2275219168584,791.26327340655484,1769.8081313201842,1051.1512003479227,2402.9464811088587,-1954.788375442404,10686.2778250958]
["Return on equity before tax",1.7441956766663307E-2,0.14697930472942713,0.39164786238194876,0.13653669972559226,0.1801941984762554,0.24582464423241104,"–","–",9.6535614892203719E-2]
["Business outlets",853,1129,186,926,8,3,1,"–",3106]
["indicative loans and advances to customers",29933.602408173007,14499.947931307999,9668.5162179900017,4627.3487078089993,19130.583807255,5115.0628960000004]
["indicative deposits from customers",26874.921067642001,14193.563708826001,9608.885433169,3517.8819927010004,9659.7541844999996,2103.1732780000002]
["* including goodwill-impairment"]
[]
["1/1-31/12/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",1102.442,919.08399999999995,590.101,415.45100000000002,429.34399999999999,229.251,362.93591840199997,-381.45866448899778,3667.150253913002]
["Net fee and commission income ",490.57600000000002,364.93700000000001,237.69200000000001,175.54599999999999,177.798,114.60299999999999,-64.740390454999996,-6.4848709139998535,1489.926738631]
["Net trading income",76.67,41.448,38.155000000000001,-0.51100000000000001,21.062000000000001,176.01499999999999,37.648093215000003,-27.226478749000002,363.26061446599999]
["Other net operating income",-1.7310000000000001,40.097999999999999,-12.595000000000001,-6.5780000000000003,5.952,27.855,19.670408864000002,-304.83798951800003,-232.16658065400003,"*"]
["Operating income",1667.9570000000001,1365.567,853.35299999999995,583.90899999999999,634.15599999999995,547.72299999999996,355.514030026,-720.00800366999772,5288.1710263560026]
["General administrative expenses",-938.37,-746.46500000000003,-487.69499999999999,-335.97500000000002,-140.99199999999999,-263.59399999999999,-317.69343572299999,110.34470445499849,-3120.4397312680012]
["Operating result",729.58699999999999,619.10199999999998,365.65800000000002,247.935,493.16399999999999,284.12799999999999,37.820594303000021,-609.66329921499914,2167.7312950880009]
["Net provisioning for impairment losses",-646.14700000000005,-257.87200000000001,42.061999999999998,-127.685,-115.52,-13.544,55.156593299999997,-1.5177440000697969E-3,-1063.550924444]
["Other results",-50.487000000000002,-9.9670000000000005,25.989000000000001,-14.625999999999999,-3.9660000000000002,-4.3369999999999997,-157.63971908400001,484.20853337599999,269.17481429200001]
["Profit/loss before tax",32.953000000000003,351.26299999999998,433.70800000000003,105.624,373.678,266.29300000000001,-64.662531480999988,-125.50128358300007,1373.3551849360001]
["Income taxes  ",-65.676000000000002,-46.552,-112.129,-51.610999999999997,-75.95,-71.629000000000005,24.353445897999997,-4.8974579999980054E-2,-399.242528682]
["Profit/loss after tax",-32.722999999999999,304.70999999999998,321.57900000000001,54.012999999999998,297.72699999999998,194.66399999999999,-40.309085582999984,-125.54825816299801,974.11265625400199]
["Profit attributable to non-controlling interests",21.818999999999999,-15.936999999999999,0.16300000000000001,-3.202,0,-0.879,-1.7314789000004532E-2,-8.3958434599999965,-6.4491582489999999]
["Consolidated profit/loss",-10.904,288.77300000000002,321.74200000000002,50.811,297.72699999999998,193.78399999999999,-40.326400371999988,-133.94310162299803,967.663498005002]
[]
["Share of profit before tax",2.1985365115459638E-2,0.23435407343335052,0.28935949607044603,7.0469685153892361E-2,0.24930863884293217,0.17766402133117024,-4.3141279947251025E-2,"–",1]
["Risk-weighted assets (credit risk)",21510.076405365799,16324.785971088128,10516.501033183376,5489.957407242051,15732.908642,5128.7537380000003,19595.510289000002,-17148.005985879354,77150.487500000003]
["Total own funds requirement",1965.168215125894,1524.0200250564103,1032.7717376041503,532.18268851769415,1333.0512993599998,841.13354653791532,1682.9899341199998,-1287.189071442064,7624.1283748799997]
["Total assets",34851.818697969989,22827.461345381005,14217.958378748996,6760.7767327929987,22842.659627063993,25731.848818564995,53835.243186776002,-34082.763970211978,146985.002817086]
["Liabilities",31798.429847298012,19829.743216712999,12135.401554619999,5723.5617168650051,15377.841363824002,29357.601440633996,43818.97215635101,-21992.334430484039,136049.21686582098]
["Net interest margin (avg. assets)",3.162076447151399E-2,4.0713216509335258E-2,4.4683582556600522E-2,6.1029727644491563E-2,1.9657104011552247E-2,8.4726671230756345E-3,7.9880818182188219E-3,"–",2.6061976594022932E-2]
["Net interest margin (avg. interest bearing assets)",3.3552506057077151E-2,4.413592336298508E-2,5.1801267346272231E-2,6.7743074560013675E-2,1.9731180675932269E-2,9.9945021559044462E-3,"–","–",2.9000000000000001E-2]
["NPL Ratio",9.7620944663874817E-2,0.11264406676722158,5.7768818618632999E-2,0.29660470620067297,3.0011064869512018E-2,6.4915900632188925E-2,"–","–",8.6017951976200671E-2]
["NPL Coverage Ratio",0.60730856485733209,0.58582149261486982,1.0015914691783165,0.6822435658873055,0.66721657618348795,1.0782754435084436,"–","–",0.68393956247303833]
["Cost/income ratio",0.56258639907753771,0.54663384315264052,0.57150467595527343,0.57538843503917392,0.22233001984046877,0.48125501240011126,0.89361715401151942,"–",0.56999999999999995]
["Provisioning ratio (avg. loans and advances to customers)",1.3791334905633917E-2,1.6613671112250258E-2,1.0855812045036596E-3,2.8085976187670517E-2,2.0153984514588272E-3,8.5068091621120293E-3,4.7018425558442356E-5,"–",1.3380824021495345E-2]
["Average equity ",2739.6332834259324,2008.8326696136435,1274.7569359806491,699.06602837865353,1667.2976601667581,1363.4545615592294,1917.5044695638733,-1638.5105932675945,10032.035015421145]
["Return on equity before tax",1.2028207889120146E-2,0.17485917332803919,0.34022798471094862,0.15109281420236337,0.22412167719867485,0.19530730871916338,"–","–",0.13689696884280145]
["Business outlets",552,1161,191,1011,8,4,1,"–",2928]
["indicative loans and advances to customers",25380.886023293002,15321.103033029,9072.5821045429984,5076.5300162880012,21745.289428769,3770.1983329999998]
["indicative deposits from customers",22644.133917149997,14543.738302092997,9319.5841325519996,3299.1259628180001,1744.5816288010001,511.38647500000002]
["* including goodwill-impairment"]
[]
["Share in assets 31/12/2012",0.29964982904750254,0.15682109582511916,0.11486749513043087,4.645882966939717E-2,0.13956201343810684,0.14871575057142089,0.34780151923640523,-0.25387653291838269,1]
["Share in assets 31/12/2011",0.23711139252309285,0.15530469713150538,9.673067392081075E-2,4.5996371080159644E-2,0.15540809735187955,0.17506445096706044,0.36626351093635534,-0.23187919391086401,1]
[]
[]
["Net Interest Margin (total assets)","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Quarter 1 2008",3.2099999999999997E-2,3.7400000000000003E-2,4.6100000000000002E-2,6.4100000000000004E-2,null,null,null,null,3.8338036594202839E-2]
["Quarter 1-2 2008",3.1281699571667508E-2,3.7770738251504669E-2,4.8621232345481463E-2,6.2746181444784721E-2,null,null,null,null,3.9256706540182935E-2]
["Quarter 1-3 2008",3.1233019771835142E-2,3.8388846073781513E-2,4.9553061779183248E-2,6.3517051573777308E-2,null,null,null,null,3.956528868051308E-2]
["Financial Year 2008",3.1389740584618915E-2,3.9577755565233748E-2,5.6326497345105912E-2,6.9244248700717395E-2,null,null,null,null,3.993481546505883E-2]
["Quarter 1 2009",2.678680422904671E-2,3.5024417498536971E-2,5.7609890638672293E-2,6.3789578302357944E-2,null,null,null,null,3.713810121647456E-2]
["Quarter 1-2 2009",2.7108493963217881E-2,3.6135371502045169E-2,5.3926654805346745E-2,6.5567260485564618E-2,null,null,null,null,3.7017847819575116E-2]
["Quarter 1-3 2009",2.8155643831308742E-2,3.6082181463289287E-2,5.1795767483201638E-2,6.7676179783284107E-2,null,null,null,null,3.7199843522357355E-2]
["Financial Year 2009",2.8969584703244608E-2,3.7027770259324536E-2,4.9594034648552825E-2,6.8430233311843849E-2,"–","–","–","–",3.7279702320369729E-2]
["Financial Year 2009 RBI pro forma",2.8969584703244608E-2,3.7027770259324536E-2,4.9594034648552825E-2,6.8430233311843849E-2,1.4042441603305691E-2,1.9761790255090408E-3,1.205894474347443E-2,"–",2.1863538557242608E-2]
["Quarter 1 2010 combined",3.0859632587107104E-2,3.7927593672645574E-2,3.9678494318771886E-2,7.0989333907652108E-2,1.5031887200869823E-2,5.3053038535770761E-3,5.5444658828875939E-3,"–",2.358774249376713E-2]
["Quarter 1-2 2010 combined",3.197433142017491E-2,3.817934515896991E-2,4.1532985024749502E-2,7.2737457054008192E-2,1.5723641947414026E-2,6.8880239990229755E-3,1.0580713288492895E-2,"–",2.4322562451851281E-2]
["Quarter 2 2010 combined",3.3040916094051367E-2,3.8424719867091874E-2,4.330414002568015E-2,7.4852812767932209E-2,1.668283840320875E-2,8.2893269389254197E-3,1.4859668092188772E-2,"–",2.5490290327427736E-2]
["Quarter 1-3 2010 combined",3.2252541723551839E-2,3.8890439109456464E-2,4.1445602302747159E-2,7.2855483549065278E-2,1.6160790136158284E-2,6.4896030033484492E-3,7.2933872475687677E-3,"–",2.4800378464636102E-2]
["Quarter 3 2010 combined",3.2817829103973871E-2,4.0252711186903885E-2,3.9895589511988939E-2,7.0486181322024638E-2,1.686839260480371E-2,5.5805132574882144E-3,1.1577913027746457E-3,"–",2.5490290327427736E-2]
["Quarter 4 2010 combined",3.52025837290455E-2,3.9789555866754533E-2,4.1641625671688047E-2,3.085432045784758E-2,1.6523422155324097E-2,8.9399865689780006E-3,9.2885284118516456E-3,"–",2.5403817468929082E-2]
["Financial Year  2010",3.2948816076747121E-2,3.9024277200022134E-2,4.1413821818102839E-2,6.19356320273955E-2,1.6283267229704083E-2,7.0470680261886564E-3,7.9409173891936708E-3,"–",2.5079102086012054E-2]
["Quarter 1 2011",3.3634605637996702E-2,3.939656072229733E-2,4.4124729115700353E-2,5.7613460430807596E-2,1.7541155985496285E-2,7.0867151379371291E-3,6.4000377365042577E-3,"–",2.6138485960301862E-2]
["Quarter 2 2011",3.2251008418978676E-2,4.1782494155695113E-2,4.4609205298651144E-2,6.0996520473502409E-2,1.9861396959675662E-2,8.7016707385558813E-3,2.3528249254777728E-2,"–",2.5902521698606597E-2]
["Quarter 1-2 2011",3.2880446777324907E-2,4.0485246605843239E-2,4.424136629173666E-2,5.9321532151772431E-2,1.8449993876450417E-2,8.0351724784231623E-3,1.5808683541364769E-2,"–",2.6181623652872486E-2]
["Quarter 3 2011",3.1369828515576258E-2,4.1593425520484645E-2,4.4911500962144114E-2,6.7925912172174349E-2,2.0846524961444172E-2,9.3607237331724772E-3,2.5331671756728892E-3,"–",2.6372796485339814E-2]
["Quarter 1-3 2011",3.2433840378383857E-2,4.0831394175751934E-2,4.4420220769575962E-2,6.1713992281985722E-2,1.9103467663081467E-2,8.3072104566979527E-3,1.0741384544772898E-2,"–",2.6100946336840188E-2]
["Quarter 4 2011",2.8870076052926845E-2,4.0425488991383901E-2,4.4993635611068249E-2,5.9074910032583312E-2,2.1600928343377776E-2,8.6347748327667024E-3,1.0386674546404065E-3,"–",2.5552907119667709E-2]
["Financial Year  2011",3.162076447151399E-2,4.0713216509335258E-2,4.4683582556600522E-2,6.1029727644491563E-2,1.9657104011552247E-2,8.4726671230756345E-3,7.9880818182188219E-3,"–",2.6061976594022932E-2]
["Quarter 1 2012",2.8160436658016139E-2,3.979232158425075E-2,5.0117007868687495E-2,6.4608258937112834E-2,1.9294691390508798E-2,6.6571742863089532E-3,7.0597243638825845E-3,"–",2.3674035813036679E-2]
["Quarter 2 2012",2.6731872371090839E-2,3.9197846668020203E-2,4.4111173752967227E-2,6.4484871489965359E-2,1.9910259984064455E-2,6.0538682148473617E-3,2.5923670070767742E-2,"–",2.3516732035584631E-2]
["Quarter 1-2 2012",2.7154785113743592E-2,3.9652403308567133E-2,4.6757202706585489E-2,6.41793559186013E-2,1.9607417551590248E-2,6.6100718940272822E-3,1.6543776233574132E-2,"–",2.3566932379378916E-2]
["Quarter 3 2012",2.5544374129976209E-2,3.6825755629929076E-2,4.6509961205677589E-2,6.6182452759114052E-2,1.8236830817399494E-2,8.1766134559287228E-3,1.0645227498679581E-3,"–",2.2259210951682776E-2]
["Quarter 1-3 2012",2.6802343503520499E-2,3.8725506712292856E-2,4.7464870213413196E-2,6.4933968212798829E-2,1.9130691885895116E-2,7.0111726694193814E-3,1.1251317614825028E-2,"–",2.3244195986606792E-2]
["Quarter 4 2012",2.6158831524776112E-2,3.9722995098321938E-2,5.092329464556334E-2,6.3316386352558582E-2,1.9557236149724325E-2,6.173475821623981E-3,1.7301425980382893E-3,"–",2.4748527884179795E-2]
["Financial Year  2012",2.678151280632533E-2,3.8978224023974717E-2,4.8282210223082746E-2,6.4483950023160305E-2,1.9265767511462712E-2,6.764170349367841E-3,9.1445252728026248E-3,"–",2.3725181757648036E-2]
[]
["Net Interest Margin (avg. interest bearing assets)","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Financial Year  2011 ",3.3552506057077137E-2,4.4135923362985087E-2,5.1801267346272217E-2,6.7743074560013661E-2,1.9731180675932269E-2,9.9945021559044462E-3,0,"–",2.8997889774925338E-2]
["Quarter 1 2012",2.9902093448646912E-2,4.3363669275506445E-2,5.707030692188432E-2,7.1609772373326011E-2,1.9364788979197946E-2,7.94074584405699E-3,0,"–",2.653556842942096E-2]
["Quarter 2 2012",2.8345679061820176E-2,4.2764194407411221E-2,4.8343605602918199E-2,7.1052169585272745E-2,1.9986036226121509E-2,7.4939426908029903E-3,0,"–",2.6381166689841501E-2]
["Quarter 1-2 2012",2.8807293274774215E-2,4.2953006966808926E-2,5.2000741895529071E-2,7.1043056051618161E-2,1.9680653169729816E-2,8.0757518417609413E-3,0,"–",2.6398389301093124E-2]
["Quarter 3 2012 ",2.7310231312973568E-2,3.9440229858855536E-2,4.9733873811015759E-2,7.3082575636682842E-2,1.8313005267957476E-2,1.0642096560843934E-2,0,"–",2.4860535890576838E-2]
["Quarter 1-3 2012 ",2.8564971117238519E-2,4.1841951972013999E-2,5.2269280785190025E-2,7.1838648729786347E-2,1.9205174621852172E-2,8.6749820757956939E-3,0,"–",2.6006801103531086E-2]
["Quarter 4 2012 ",2.806838576917705E-2,4.2720043302451258E-2,5.4499141070749331E-2,6.9639422865523215E-2,1.9647247556229753E-2,8.0895826166187887E-3,0,"–",2.7673612631964717E-2]
["Financial Year  2012 ",2.854800982376365E-2,4.2104441189997392E-2,5.2866650643558014E-2,7.1200671716738786E-2,1.934398481266315E-2,8.4602241428713178E-3,0,"–",2.6557696374522474E-2]
[]
[]
[]
["1/1-30/9/2012\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",773.54659413999991,654.08999782500007,550.85671678100005,317.16031686500003,307.991564514,127.96111084100001,477.81735477199999,-613.50325426199913,2595.9204014760007]
["Net fee and commission income ",363.16138185900002,241.09525961399999,210.98359530799999,152.81599373399999,119.161705356,76.231878731999998,-30.019970068999999,-13.044730073999904,1120.3851144600001]
["Net trading income",7.4567259249999998,42.904379886000001,64.720299079,-5.3971531320000006,19.777580100999998,61.573816920999995,-14.625731290999999,44.076727400000003,220.48664488899999]
["Other net operating income",-27.053319551000001,26.783368365999998,7.6272214549999999,-2.2623143960000003,5.8744420039999996,9.1911111300000012,31.642893448999999,-103.60792786500001,-51.804525407999996]
["Operating income",1117.111382373,964.873005691,834.18783262300008,462.31684307099994,452.80529197499999,274.957917624,464.81454686100005,-686.0791848009992,3884.987635417001]
["General administrative expenses",-723.21569626099983,-516.24080172200001,-360.32861151999998,-278.439818903,-130.217498057,-192.33943216999998,-233.28742055999999,97.88387139199989,-2336.1854078010001]
["Operating result",393.89568611200013,448.63220396900005,473.85922110300004,183.87702416799996,322.58779391799999,82.618485454000009,231.52712630100007,-588.19531340899948,1548.8022276160009]
["Net provisioning for impairment losses",-292.96006159500001,-199.92437848800003,13.457295568999999,-75.742447690000006,-52.424926216999999,-18.957286,3.1802930000000003,-1.226999971549958E-6,-623.37151264800002]
["Other results",51.010054115999992,12.790793930000001,-2.1833538530000003,-26.534219343,17.545624174,174.27710300000001,-78.955252137999992,41.823778304000029,189.77452819000004]
["Profit/loss before tax",151.94567863300003,261.49861941100005,485.13316281900001,81.600357135000053,287.70849187499999,237.93830245399997,155.75216716300005,-546.37153633199921,1115.2052431580009]
["Income taxes  ",-60.581246593000003,-31.666657638999997,-102.59479478999999,-27.143244212999999,-70.898766847000005,-64.572212965999995,131.27797952,1.2000018614344299E-8,-226.178943516]
["Profit/loss after tax",91.364432040000025,229.83196177200006,382.53836802900003,54.457112922000057,216.809725028,173.36608948799997,287.03014668300005,-546.3715363199982,889.02629964200196]
["Profit attributable to non-controlling interests",-19.468152127269171,-14.675233135406234,-3.2787716526250001,-3.766023541685088,0.10169365549999999,-0.47234618940999984,-0.61632518250000001,-4.4666364356045127,-46.641794608999994]
["Consolidated profit/loss",71.896279912730847,215.15672863659384,379.25959637637499,50.69108938031497,216.91141868350002,172.89374329858998,286.41382150050003,-550.8381727556017,842.38450503300294]
[]
["Share of profit before tax",9.1446679147525051E-2,0.15737979889876874,0.29197155906807115,4.9110193487445254E-2,0.17315389540007201,0.14320030551163102,9.3737568486486803E-2,"–",1]
["Risk-weighted assets (credit risk)",21438.84949251678,13150.127660446984,9699.9450133162281,5119.652780110865,12393.150140319522,3272.8262563737831,18782.835982268505,-15076.337325352675,68781.05]
["Total own funds requirement",1916.0984825490523,1261.2903514839386,935.03767963646828,497.87787242821918,1060.5627302255616,371.25508597839075,1549.5572595814804,-868.45146188311071,6723.2280000000001]
["Total assets",41600.871418071991,21866.15272508399,15442.539107589995,6356.1547334790002,20292.889381822009,20067.961868715,59017.752563390008,-37516.146614093006,147128.17518405899]
["Liabilities",37704.732634030013,18938.729577083977,13066.004313827993,5266.4997278450019,14314.585502258005,27001.983091910013,40114.169851251041,-20414.773135232081,135991.93156297394]
["Net interest margin",2.6802343503520499E-2,3.8725506712292856E-2,4.7464870213413196E-2,6.4933968212798829E-2,1.9130691885895116E-2,7.0111726694193814E-3,1.1251317614825028E-2,"–",2.3244195986606792E-2]
["NPL ratio",0.11147283084985916,0.12546911828348839,5.7970427416686461E-2,0.31302093546471804,4.5772651145297542E-2,9.8895567213711771E-3,"–","–",9.9564089531643266E-2]
["Coverage ratio",0.61763181169914083,0.59798184006977417,0.97101587622737895,0.68500954367888867,0.61095658726990298,0.7635260190283204,0,"–",0.65814345890798265]
["Cost/income ratio",0.64739801927783103,0.5350349721436044,0.43195141121513536,0.60227054903175747,0.28757945272465918,0.69952316278820781,0.50189354471679903,"–",0.60133663914486102]
["Net provisioning ratio (average risk-weighted assets, credit risk)",1.8605576393930782E-2,1.7571971262842354E-2,-2.8511255488658993E-3,1.8762215260196738E-2,3.0622692578305441E-3,8.4460204522782203E-3,-3.1980582934508457E-4,"–",1.1616776374412522E-2]
["Net provisioning ratio (average loans)",1.4642930561983944E-2,1.6941591038244674E-2,-1.9312902550182281E-3,2.0247226214434831E-2,2.0310324713285507E-3,8.1690161435777654E-3,-1.2829968328113511E-3,"–",9.9926338161074688E-3]
["Average equity ",2947.770459769009,2042.1542666295643,1501.6142537424271,778.79331782725751,1733.7421585492307,1133.8594785244859,2351.0370195670271,-1907.0611659642502,10581.909788644751]
["Return on equity before tax",6.872795590509069E-2,0.17073383317744198,0.43076590108271157,0.13970391590356823,0.22126203749985532,0.27979751984038781,8.8331044764058356E-2,"–",0.14051719906043861]
["Business outlets",848,1135,193,927,8,3,1,"–",3115]
["indicative loans and advances to customers",30289.758394560995,14785.681691079,9112.9066412219963,4766.7181614700003,18775.543397562,4282.5441920000003]
["indicative deposits from customers",26923.423734911012,14474.699432918002,10087.509997583002,3456.970464785999,10687.5230362,4886.9630109999998]
[]
[]
["1/1-30/9/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",848.1695889240001,689.3776654620001,431.54031252499993,315.62070815700002,309.35298204399999,170.645619444,349.10468346900001,-390.05156002500019,2723.76]
["Net fee and commission income ",368.00354344599998,272.45827400800005,173.767553445,131.154642838,131.52115161900002,91.433475638000004,-40.989135920000002,-2.8465050740000493,1124.5029999999999]
["Net trading income",30.348668081,26.348419532000001,37.464199001999994,52.219066186999996,7.5763095190000005,88.525130494999999,49.184176557000001,1.3120306270000268,292.97800000000001]
["Other net operating income",-28.856419978999998,27.802310021999997,-2.8628418680000003,-1.4041918530000002,3.731457931,22.928197089000001,18.338167128000002,-81.603678470000006,-41.927]
["Operating income",1217.6653804719999,1015.9866690240001,639.90922310399992,497.59022532899996,452.18190111299998,373.532422666,375.63789123400005,-473.18971294199991,4099.3140000000003]
["General administrative expenses",-708.27453961000015,-554.47302232899995,-335.13557035400004,-248.44998953500001,-102.24977563799999,-197.47015610900002,-204.58058890999999,63.946642485000552,-2286.6869999999999]
["Operating result",509.39084086199989,461.51364669500015,304.77365274999994,249.14023579399998,349.93212547500002,176.06226655700002,171.05730232400003,-409.24307045699948,1812.6270000000004]
["Net provisioning for impairment losses",-484.24042487700001,-193.52429811899998,-20.973031154000001,-98.837851385000008,-36.037081972999999,-7.7827790000000006,59.791900999999996,-4.3449200012446454E-4,-781.60400000000004]
["Other results",-12.22277119,-7.6606123200000003,2.7663867419999999,-8.0799081189999988,-5.9825225030000002,-66.47752890000001,93.22319593200001,5.1827603579999781,0.74899999999997435]
["Profit/loss before tax",12.927644794999855,260.32873625600024,286.56700833799994,142.22247629000006,307.91252099899998,101.80195865699999,324.07239925599998,-404.06074459099966,1031.7720000000004]
["Income taxes  ",-54.835373128000001,-31.363620840999999,-76.431929432999993,-38.268844744999996,-63.187436500000004,-29.668872658000002,22.928500234000001,-1.13942292900002,-271.96699999999998]
["Profit/loss after tax",-41.907728333000144,228.96511541500024,210.13507890499994,103.95363154500005,244.72508449899999,72.133085998999974,347.00089948999999,-405.2001675199997,759.8050000000004]
["Profit attributable to non-controlling interests",6.0012140434869776,-12.435286722444671,6.9483806874935508E-2,-9.7073966340023894,-2.7735999996047724E-5,-0.67308192521111176,-1.090091182798568,3.5071863500948242,-14.327999999999999]
["Consolidated profit/loss",-35.906514289513161,216.52982869255558,210.20456271187487,94.246234910997657,244.725056763,71.460004073788866,345.91080830720142,-401.69298116990529,745.47699999999998]
[]
["Share of profit before tax",9.0035868339820597E-3,0.18130853836332825,0.19958244399811981,9.9052258576616051E-2,0.21444873865633252,7.0900986929364446E-2,0.22570344664225686,"–",1]
["Risk-weighted assets (credit risk)",23861.530171193852,16514.574766551472,11331.009126816736,5605.4796537249767,14609.802322521091,5835.060581354508,17687.119475098443,-15011.363597261094,80433.212499999994]
["Total own funds requirement",2152.8012076393984,1549.768054361318,1097.6870582633489,540.63212943913823,1229.1519658016873,1277.4837815772935,1509.9190180078751,-1289.5802150900588,8067.8630000000003]
["Total assets",35608.07537389802,22630.217950363993,13974.532820072007,6758.364097849003,21596.418275357995,28565.087532903999,52695.368675234997,-33460.323693160011,148367.74103251999]
["Liabilities",32884.039850009991,19695.100386676993,12078.000929773998,5793.2973359749994,15056.408219787005,27741.913197888003,52526.972757236028,-27755.884386954003,138019.84829039301]
["Net interest margin",3.2433840378383857E-2,4.0831394175751934E-2,4.4420220769575962E-2,6.1713992281985722E-2,1.9103467663081467E-2,8.3072104566979527E-3,1.0741384544772898E-2,"–",2.6100946336840233E-2]
["NPL ratio",9.1068304765879737E-2,0.10328770422225896,5.9023270790034249E-2,0.28063416035047434,3.6475886885648928E-2,0.10210829231341294,"–","–",8.3878532343373322E-2]
["Coverage ratio",0.63347148534439468,0.62901940421432045,1.0725837010617176,0.71581670054027169,0.755,0.88029999999999997,"–","–",0.70537750679644329]
["Cost/income ratio",0.58166599048373513,0.54574832449489741,0.52372361305930537,0.49930641095437156,0.22612531679468487,0.52865599912211925,0.54462181181439562,"–",0.55782180089075373]
["Net provisioning ratio (average risk-weighted assets, credit risk)",2.758183195744902E-2,1.5646349725919283E-2,2.9307237008937273E-3,2.3811172690174347E-2,3.135299357215906E-3,1.8804600052774333E-3,-4.7301436917593356E-3,"–",1.355522949008261E-2]
["Net provisioning ratio (average loans)",1.3791334905633917E-2,1.6613671112250258E-2,1.0855812045036596E-3,2.8085976187670517E-2,2.0153984514588272E-3,8.5068091621120293E-3,4.7018425558442356E-5,"–",1.3198311995740097E-2]
["Average equity ",2774.3202733314401,2017.9870761218001,1259.1499475374001,712.68303195760097,1654.14032154749,1478.4244369129001,1881.39998893246,-1687.1050763410901,10091]
["Return on equity before tax",6.2130028361751504E-3,0.17200555235553774,0.30345023259377796,0.26607897183379026,0.24819540558360054,9.1811215701649448E-2,0.22966755335558053,"–",0.13633579856503794]
["Business outlets",561,1153,192,1014,8,4,1,"–",2933]
["indicative loans and advances to customers",25942.068275823993,15137.586296191999,9219.0001285369981,5089.9384922210002,20145.871169732,1837.8556309999999]
["indicative deposits from customers",22424.275383177006,14151.950054263003,9269.5607363099971,3297.1420743029998,11503.149183895999,3687.349643]
[]
[]
[]
[]
["1/1-30/6/2012\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",508.36151591199996,450.82189896200003,362.00841973799999,210.655036309,214.277282426,85.127651979000007,461.78240081500002,-576.61920707100023,1716.4149990699998]
["Net fee and commission income ",234.39756877000002,151.89181898500001,134.730035907,96.681505020000003,81.996786454000002,49.176940002999999,-18.505404614,-9.7298671770000364,720.63938334800002]
["Net trading income",18.66167218,26.899732326999999,56.006392515999998,-6.2957148740000006,15.149431641000001,45.315301908000002,-7.5645167890000007,63.957989549999994,212.13028845900001]
["Other net operating income",-19.154281664000003,16.962804348000002,2.3096043009999998,-1.8963459150000002,4.0380035040000006,7.3693327210000001,24.306218922999999,-69.704165264999986,-35.768829046999997]
["Operating income",742.26647519799997,646.57625462200008,555.05445246199997,299.14448053999996,315.46150402499995,186.98922661099999,460.01869833499995,-592.09524996299933,2613.4158418300003]
["General administrative expenses",-459.62000321200003,-341.83921603599998,-238.01308323799998,-181.99089250699998,-81.713991920999987,-127.38197131199999,-151.98083668900003,64.838707395999862,-1517.7012875190001]
["Operating result",282.64647198599994,304.73703858600004,317.04136922399999,117.15358803299998,233.74751210399995,59.607255298999995,308.03786164599995,-527.25654256699954,1095.7145543110003]
["Net provisioning for impairment losses",-198.95251856200002,-127.815619176,14.824680637,-50.234107435999995,-21.422408509,-19.2409991,2.9800133999999998,-7.9999992158263923E-7,-399.860959546]
["Other results",27.508424085999998,12.279991317,0.36194178699999974,-12.224434971999999,1.2423949160000001,154.01236540000002,19.542448388999997,28.857903205000017,231.58103412800003]
["Profit/loss before tax",111.20237750999995,189.20141072700008,332.227991648,54.695045625000013,213.567498511,194.37862159900001,330.56032343499999,-498.39864016200016,927.43462889299997]
["Income taxes  ",-48.446940845999997,-24.323672598000002,-76.960367101000003,-18.495470985000001,-49.081272073999997,-58.261661144000001,70.780875911999999,11.000732000000019,-193.78777683600001]
["Profit/loss after tax",62.755436663999951,164.87773812900005,255.26762454700005,36.199574640000016,164.48622643699997,136.116960455,401.34119934699999,-487.39790816200002,733.64685205700005]
["Profit attributable to non-controlling interests",-15.003294791352413,-9.8520960221870375,5.7161737608437502,-2.487725267209886,-7.7980277500000004E-3,-0.30318866426999996,-0.61632518250000001,-10.165358359574414,-32.719612554000001]
["Consolidated profit/loss",47.752141872647542,155.02564210681302,260.98379830784381,33.711849372790127,164.47842840925,135.81377179072999,400.72487416449997,-497.56326652157435,700.92723950300001]
[]
["Share of profit before tax",7.7991150805242174E-2,0.13269532618803118,0.2330061998540621,3.8360057106291444E-2,0.14978434235339885,0.13632633339228253,0.2318365903006917,"–",1]
["Risk-weighted assets (credit risk)",22296.026478264997,13306.0688132,10073.807734800001,5338.8904301999992,11679.261796000001,3827.6104360000004,19098.6023752,-16414.543063664994,69205.725000000006]
["Total own funds requirement",2036.1951274079699,1281.8468046502499,958.84093178750004,522.10675400360992,989.37595568000006,420.63637692998776,1579.3400310159998,-1033.9429814753178,6754.3990000000003]
["Total assets",41449.925404327027,22291.659194527998,17040.531984706999,6517.986506786001,20817.008725513009,21840.301588148988,61486.606476293993,-38726.746556071033,152717.27332423299]
["Liabilities",37695.852205875024,19378.688035731022,14852.149155999999,5421.6133935390026,15741.242158768,28659.076688030011,41992.538621566011,-21873.882919870099,141867.27733963897]
["Net interest margin",2.7154785113743592E-2,3.9652403308567133E-2,4.6757202706585482E-2,6.41793559186013E-2,1.9607417551590248E-2,6.6100718940272822E-3,1.6543776233574132E-2,"–",2.2962049847014596E-2]
["NPL ratio",0.10981445038932121,0.12300114838768791,5.7230568681677446E-2,0.31329994438743713,4.0634062873070205E-2,4.4558100959146446E-2,"–","–",9.7626006290496933E-2]
["Coverage ratio",0.61865285611459009,0.58095275874764751,0.96299671638805096,0.67767134798224726,0.63291850606386146,0.76807374013251573,"–","–",0.65769999999999995]
["Cost/income ratio",0.61921158851933344,0.52869126200102301,0.42881033055814427,0.60837121974799446,0.25902999535095178,0.68122625897050748,0.33037969378001852,"–",0.58073470866245891]
["Net provisioning ratio (average risk-weighted assets, credit risk)",1.8605576393930782E-2,1.7571971262842354E-2,-2.8511255488658993E-3,1.8762215260196738E-2,3.0622692578305441E-3,8.4460204522782203E-3,-3.1980582934508457E-4,"–",1.103533337128508E-2]
["Net provisioning ratio (average loans)",1.4642930561983944E-2,1.6941591038244674E-2,-2.2796444496350553E-3,2.0247226214434831E-2,2.0310324713285507E-3,8.1690161435777654E-3,-1.2829968328113511E-3,"–",9.0349263535070071E-3]
["Average equity ",2968.2845362049657,2089.7351231489688,1532.7668677542497,788.42585246806607,1779.3052460193283,1326.2821927022685,2042.5687054880464,-1783.3236507805923,10744.044873005301]
["Return on equity before tax",7.4927033546571833E-2,0.18107693040244954,0.43350100871474023,0.13874493195215298,0.24005717848446118,0.29311804481512066,0.32367119161949237,"–",0.17264161493281113]
["Business outlets",877,1145,193,926,8,3,1,"–",14.244989]
["indicative loans and advances to customers",30288.901016285996,14789.576917332999,9491.9046501440025,4963.0943504960005,20126.564516933999,5116.0727699999998]
["indicative deposits from customers",26832.700007289994,14037.564705153001,10624.713144936999,3483.4557256470007,11442.660462587999,5279.3444749999999]
[]
[]
["1/1-30/6/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",569.1750384579999,454.88698625400002,279.00481788799999,202.85620062700002,199.16518767599999,108.46350023999999,317.86723889799998,-350.23332436999999,1781.185645671]
["Net fee and commission income ",243.07849987399999,179.01416095799999,109.47487681999999,84.59159331299999,85.356119374000002,65.749247709000002,-21.082092359999997,-9.2394056879999997,736.94299999999998]
["Net trading income",25.765631240999998,26.510110445999999,59.723259387000006,43.649038203000003,4.7325767180000007,90.434823207999997,15.101327217,-9.7247664200000035,256.19200000000001]
["Other net operating income",-16.827579970999999,17.283567294000001,-0.7692242090000001,-2.2824485259999996,2.289855787,15.959092498,15.184011991,-57.349274864000009,-26.512]
["Operating income",821.19158960199991,677.69482495199998,447.43372988599998,328.81438361699998,291.543739555,280.60666365499998,327.07048574599997,-426.54677134199977,2747.8086456709998]
["General administrative expenses",-470.20121657800001,-371.60502108599997,-221.902560499,-165.25116271600001,-71.004310047999994,-126.55527737300001,-135.55774303999999,47.762291340000054,-1514.3150000000001]
["Operating result",350.99037302399995,306.08980386599995,225.53116938699998,163.56322090099994,220.53942950699997,154.05138628199998,191.51274270599995,-378.78448000200012,1233.4936456709997]
["Net provisioning for impairment losses",-177.16784624799999,-123.851033218,-4.2830215549999995,-71.227520271999992,-19.279199381000002,-9.0680010000000006,-0.14049460000000003,3.8499999998020939E-4,-405.01673127399994]
["Other results",-10.670459185999999,6.3860810949999998,-15.358728614000002,4.4404778889999994,-0.27442046299999995,46.453469800000001,9.9252002920000066,9.1343791869999933,50.036000000000001]
["Profit/loss before tax",163.15206758999997,188.62485174300002,205.889419218,96.77617851799998,200.985809663,191.43685508199997,201.297448398,-369.64863021199994,878.51400000000001]
["Income taxes  ",-36.092916196000004,-23.797419435999998,-49.783729090999998,-25.592062602000002,-43.160205090999995,-47.508064773999997,25.294445285999998,-0.43212428500002714,-201.072076189]
["Profit/loss after tax",127.05915139399995,164.82743230700004,156.10569012699997,71.184115915999982,157.82560457199997,143.92879030799998,226.59189368400001,-370.0806209290003,677.44205737899949]
["Profit attributable to non-controlling interests",-43.603160127137713,-12.334973748721403,-2.0182798985000714,-7.6501580356678716,-3.7553999994648703E-5,-0.45769739999220799,-3.3477576308416674,7.1215572548609201,-62.290507140000003]
["Consolidated profit/loss",83.455991266862242,152.49245855827863,154.08741022849992,63.533957880332103,157.82556701800002,143.47109290800776,223.24413605315834,-362.95906367413943,615.15155023899956]
[]
["Share of profit before tax",0.13071378972649475,0.15112201501415098,0.16495400057204868,7.7534911056872935E-2,0.16102533820361425,0.15337492923456977,0.16127501619224871,"–",1]
["Risk-weighted assets (credit risk)",23736.198338199996,16484.874834599999,9309.8420910000004,5329.6526361999995,15382.787495,6151.1252310000009,15876.491892999999,-14759.023325,76502.237500000003]
["Total own funds requirement",2177.1632820157492,1550.78970736934,967.69479259154002,513.84285845990996,1266.7355936000004,995.64599999999996,1355.1858164399998,-1125.0330504765388,7702.0249999999996]
["Total assets",35541.704823968015,22471.27129197101,13196.323885977001,6522.5184312419988,20688.919764164002,24577.913778961993,45955.663506097015,-31398.808329990046,137555.50715239099]
["Liabilities",32652.323013895992,19571.907579437997,11219.75391426999,5629.4946747329977,13863.075160808003,22802.150274498999,53396.606339645994,-32062.837627651974,127072.473329638]
["Net interest margin",3.2880446777324907E-2,4.0485246605843239E-2,4.424136629173666E-2,5.9321532151772431E-2,1.8449993876450417E-2,8.0351724784231623E-3,1.5808683541364766E-2,"–",2.6181623652872472E-2]
["NPL ratio",8.72E-2,0.1,7.1800000000000003E-2,0.27529999999999999,4.2599999999999999E-2,1.2E-2,"–","–",8.5099999999999995E-2]
["Coverage ratio",0.58699999999999997,0.62480000000000002,1.0350999999999999,0.72909999999999997,0.69,0.877,"–","–",0.68510000000000004]
["Cost/income ratio",0.57258406263742723,0.54833681386355604,0.49594508790282255,0.5025667092120979,0.24354599469835289,0.4510059587487098,0.41446033484437644,"–",0.55109902953108159]
["Net provisioning ratio (average risk-weighted assets, credit risk)",1.52E-2,1.4999999999999999E-2,1E-3,2.58E-2,2.5000000000000001E-3,3.3999999999999998E-3,0,"–",1.09E-2]
["Net provisioning ratio (average loans)",1.3791334905633917E-2,1.6613671112250258E-2,1.0855812045036596E-3,2.8085976187670517E-2,2.0153984514588272E-3,8.5068091621120293E-3,3.975285100306633E-5,"–",1.0362061155482624E-2]
["Average equity ",2882.19416870449,2088.9398503439797,1244.6530851141401,725.52658550416595,1728.83185795033,1403.2736881713499,1877.50916008274,-1676.1778532424701,10274.750542628701]
["Return on equity before tax",0.1132137934088837,0.18059385645971504,0.33083824188507871,0.26677500301591445,0.2325105344845802,0.27284321896103886,0.21443032361997055,"–",0.17100446963128646]
["Business outlets",556,1154,190,1022,8,4,1,"–",2935]
["indicative loans and advances to customers",25465.297473758998,14822.146492493996,7733.7962999870006,5097.8817197190001,17588.218239580001,2441.290105]
["indicative deposits from customers",21021.609400540994,13305.151898690998,7362.1671086749993,3304.7096807679991,9767.6342963570005,4561.3551429999998]
[]
[]
[]
["1/1-31/3/2012\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",249.48514966900001,228.42989978900002,184.263226952,106.407644189,107.93754952500001,46.126357487,93.532464650000009,-140.88456324999999,875.297729011]
["Net fee and commission income ",111.668665449,74.511572905000008,63.404907251999994,44.820295633000001,38.172561152,25.358637339000001,-6.6597614809999994,-5.3969020870000382,345.87997616199999]
["Net trading income",12.124081411000001,17.078100864,41.335922269000001,-6.4495968569999995,10.962828419999999,25.524562677999999,-6.8523996970000001,-11.717867972000017,82.005631115999989]
["Other net operating income",-7.2683404730000003,9.9768138339999997,-0.18662272000000002,-4.4975817999999994E-2,2.0954108709999999,3.3137478990000004,19.773554835000002,-35.610888143000004,-7.9512997149999993]
["Operating income",366.00955605600001,329.99638739199997,288.81743375299999,144.733367147,159.16834996800003,100.32330540300001,99.793858307000022,-193.61022145200002,1295.2320365739999]
["General administrative expenses",-222.03630334300001,-176.87793289000004,-121.92382620000001,-90.417725930000017,-35.402955657000007,-57.317526150000006,-80.316431979000001,30.994858326999964,-753.29784382200012]
["Operating result",143.97325271299999,153.11845450199991,166.89360755299998,54.315641216999964,123.76539431100001,43.005779253,19.477426328000014,-162.61536312499996,541.93419275199994]
["Net provisioning for impairment losses",-75.321570621999996,-60.331508341000003,0.56561649699999994,-23.537273410999997,-0.61420953300000003,4.6178739999999996,1.6725719999999999,0,-152.94849940999998]
["Other results",18.745041099000002,21.453029308999998,-9.9017465250000001,-6.2250990159999997,1.751641856,137.72146799999999,106.7819808,25.526716517000008,295.85303204000002]
["Profit/loss before tax",87.396723190000003,114.23997547,157.55747752500002,24.553268789999979,124.90282663399999,185.345121253,127.93197912800001,-137.08864660799892,684.83872538200103]
["Income taxes  ",-24.710506318,-15.103165911,-37.653437074000003,-8.1757409879999994,-32.002075046000002,-50.089102165,60.766387971,-3.9540000000000184,-110.92163953100001]
["Profit/loss after tax",62.686216872000003,99.136809559,119.90404045100003,16.377527801999982,92.900751588000006,135.25601908799999,188.69836709900002,-141.04264660799905,573.91708585100093]
["Profit attributable to non-controlling interests",-19.520501789650524,-8.1078899276800289,-2.8501291451249999,-0.91880417314601615,-2.5983400000000002E-3,-0.17057944339999997,-0.28668027349999997,-0.97006571249843543,-32.827248805000004]
["Consolidated profit/loss",43.165715082349479,91.02891963131998,117.05391130587502,15.458723628853964,92.898153248,135.0854396446,188.41168682550003,-142.01271232049837,541.08983704600007]
[]
["Share of profit before tax",0.10633144261688285,0.13899035287437769,0.19169270046759915,2.9872796096999561E-2,0.15196333750461791,0.22550060695053115,0.1556487634889917,"–",1]
["Risk-weighted assets (credit risk)",20352.893650408052,14012.15507412608,10607.22438076945,5235.6008663001694,14561.425033829886,4712.3210076537716,17215.063339926564,-15645.258353013978,71051.425000000003]
["Total own funds requirement",1882.2517227547839,1336.3226750575466,1046.576602794576,508.49679540957356,1204.4405447063909,1367.1336720694401,1408.8872701941252,-1856.1142829864364,6897.9949999999999]
["Total assets",36023.545259990991,23096.956370304,15195.326218734001,6414.9560220640005,21979.663734927995,29680.881631377993,52161.259503565016,-35754.40159463996,148798.18714632402]
["Liabilities",31798.429847298012,19829.743216712999,12135.401554619999,5723.5617168650051,15377.841363824002,29357.601440633996,43818.97215635101,-20716.962550307999,137324.58874599703]
["Net interest margin",2.8160436658016139E-2,3.979232158425075E-2,5.0117007868687495E-2,6.4608258937112834E-2,1.9264962889724343E-2,6.659315592277941E-3,7.0592868463403135E-3,"–",2.3674035813036679E-2]
["NPL ratio",0.10001210794286419,0.11988989751138326,5.9718790102061103E-2,1,3.3355123298295854E-2,3.6429636842925418E-2,"–","–",8.8974153009436022E-2]
["Coverage ratio",0.60752407617611803,0.56911471338156083,0.97589961275560566,0.68994199433088299,0.52546997324567923,0.89004821918668386,"–","–",0.66792875623208381]
["Cost/income ratio",0.60664072745966258,0.5359996037771414,0.4221484299464785,0.62471928700564461,0.22242459423696725,0.57132812679720602,0.80482339636492661,"–",0.5815929675539353]
["Net provisioning ratio",1.4393927716385034E-2,1.5909714364696653E-2,-2.1421088786787354E-4,1.7556026687439986E-2,1.6219786566622329E-4,-3.7539590903234998E-3,-3.6349816590430003E-4,"–",8.1253943079015751E-3]
["Average equity ",2892.4905896177102,2150.4058503472679,1563.2542338109208,782.38291183934496,1907.6865532481299,1660.1754558410632,2324.4735074743171,"–",10917.733632872101]
["Return on equity before tax",0.12086016598111167,0.21249937624853737,0.40315253684848035,0.12553070072696967,0.26189381357505237,0.44656754947410565,0.22014788074226052,"–",0.25090875026297582]
["Business outlets",552,1147,192,927,8,4,1,"–",2831]
["indicative loans and advances to customers",25851.811997373999,15156.244051568001,9485.4541599370004,4846.5945556440001,21352.571946163003,5245.9073589999998]
["indicative deposits from customers",23799.119376042989,14143.500016968002,10063.535008270999,3286.7216850509999,10024.712708468,5633.0122419999998]
[]
[]
["1/1-31/3/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",287.24349258500001,221.32963902900002,135.91641369499999,100.788345487,96.652358109999994,49.973413274999999,59.750040581,-67.401702761999971,884.25199999999995]
["Net fee and commission income ",118.827981474,87.271267986000012,52.076905049999993,42.744285462999997,41.117352646999997,31.874851019999998,-12.185319676000001,-4.6193239640000243,357.108]
["Net trading income",12.204284893999999,14.154289605000001,31.642781895999999,7.0892522329999998,4.7710824740000009,70.062326584999994,-25.837738960000003,9.3387212730000009,123.425]
["Other net operating income",-5.4137304380000009,7.0289228069999998,-1.6023385209999998,-1.4676689590000001,0.173222397,6.8345062690000002,-11.666669000000001,-17.788244555000006,-23.902000000000001]
["Operating income",412.86202851500002,329.78411942700001,218.03376212000001,149.15421422399999,142.714015628,158.74509714899997,10.060312945,-80.470550007999933,1340.883]
["General administrative expenses",-236.39938646099998,-182.11181506399998,-112.67407104199999,-85.260794976,-32.899606247999998,-61.883703703999998,-68.758345787999986,26.971723282999999,-753.01599999999996]
["Operating result",176.46264205400001,147.67230436299999,105.359691078,63.893419247999994,109.81440938,96.861393444999976,-58.698032842999993,-53.498826724999937,587.86699999999996]
["Net provisioning for impairment losses",-78.764736966000015,-60.277773648999997,-1.7906613490000001,-50.655461321000004,-11.110159952,-5.6237409999999999,2.5673999999999999E-2,-1.3976299998466856E-4,-208.197]
["Other results",-2.7670977469999998,5.3097180689999997,-9.1999490219999984,5.3996833959999995,1.8354015669999999,50.478678170000002,-25.839861907000003,0.15442747399999918,25.370999999999999]
["Profit/loss before tax",94.930807340999976,92.704248782999983,94.369080707000009,18.637641323000008,100.53965099500002,141.71633061499998,-84.512220749999983,-53.343539014000037,405.04199999999997]
["Income taxes  ",-19.159176340999998,-12.500602419,-23.943665054,-7.4497785929999996,-23.032549168999999,-35.348382729000008,21.750261251000001,-1.0694599999987986E-4,-99.683999999999997]
["Profit/loss after tax",75.771630999999985,80.203646363999979,70.425415653000016,11.187862730000008,77.507101826000024,106.36794788599998,-62.761959498999978,-53.343645959999996,305.358]
["Profit attributable to non-controlling interests",-28.159270202419627,-7.3733354739882184,-1.2108074999999998,-2.4315524896265943,-5.6919999991889108E-6,-0.21550579999709049,-0.69569016686751184,4.740167324899037,-35.345999999999997]
["Consolidated profit/loss",47.612360797580351,72.830310890011759,69.214608153000029,8.7563102403734145,77.507096134000022,106.15244208600289,-63.457649665867486,-48.603478635100991,270.012]
[]
["Share of profit before tax",0.20709817230534536,0.20224077963368872,0.20587272650439742,4.0659313474613733E-2,0.21933425563830744,0.3091640519895888,-0.18436929954594142,"–",1]
["Risk-weighted assets (credit risk)",23151.234063200001,16268.705259200002,8833.5499316000005,5531.9456742000002,15663.882431,4813.9172099999996,17724.096499000003,-17000.5060682,74986.824999999997]
["Total own funds requirement",2129.8085110984098,1529.7999850206002,907.95641250303015,539.94371392270989,1274.6565254799998,1036.8973195867018,1451.7364919200002,-1310.5119595314516,7560.2870000000003]
["Total assets",34392.615916735995,22247.427664522998,12464.461278887005,6864.1933808640006,20602.366956152997,29195.747599273003,41808.520057909001,-28112.544149232992,139462.78870511201]
["Liabilities",31484.873924355008,19309.538886907012,10464.129894651007,5900.0266924440011,13103.546652638006,29701.343031990989,47768.275466998995,-28940.709868764021,128791.024681221]
["Net interest margin",3.3634605637996702E-2,3.939656072229733E-2,4.4124729115700353E-2,5.7613460430807596E-2,1.7541155985496285E-2,7.0867151379371291E-3,6.4000377365042577E-3,"–",2.6138485960301834E-2]
["NPL ratio",8.5000000000000006E-2,9.0999999999999998E-2,8.4000000000000005E-2,0.26300000000000001,4.5999999999999999E-2,1.52E-2,"–","–",8.5999999999999993E-2]
["Coverage ratio",0.57599999999999996,0.63,0.98699999999999999,0.72399999999999998,0.67200000000000004,0.88700000000000001,"–","–",0.68300000000000005]
["Cost/income ratio",0.57258689376519201,0.55221523516784043,0.51677350308704562,0.57162846802273537,0.23052820778133307,0.38983064557839692,">100%","–",0.56158188617233329]
["Net provisioning ratio",1.8586792543596801E-2,2.0681157615327982E-2,9.5928086924495452E-3,3.9999595583838018E-2,8.6108835386632596E-3,4.314039576171028E-3,0,"–",1.1553557583155198E-2]
["Average equity ",2900.0733894882396,2120.5234743098003,1233.51446838534,753.48422706624001,1766.43365074799,1456.1142177434301,1932.3930636050702,-1777.37066847759,10385.165822868499]
["Return on equity before tax",0.13093573105438125,0.17487049760328399,0.30601693981110178,9.8941109334523838E-2,0.2276669739674107,0.38930003948349851,"–","–",0.15600776802700006]
["Business outlets",548,1156,196,1019,8,4,1,"–",2932]
["indicative loans and advances to customers",25465.297473758998,14822.146492493996,7733.7962999870006,5097.8817197190001,17588.218239580001,2441.290105]
["indicative deposits from customers",21021.609400540994,13305.151898690998,7362.1671086749993,3304.7096807679991,9767.6342963570005,4561.3551429999998]
[]
[]
[]
["1/1-31/12/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",1102.442,919.08399999999995,590.101,415.45100000000002,429.34399999999999,229.251,362.93591840199997,-381.45866448899778,3667.150253913002]
["Net fee and commission income ",490.57600000000002,364.93700000000001,237.69200000000001,175.54599999999999,177.798,114.60299999999999,-64.740390454999996,-6.4848709139998535,1489.926738631]
["Net trading income",76.67,41.448,38.155000000000001,-0.51100000000000001,21.062000000000001,176.01499999999999,37.648093215000003,-27.226478749000002,363.26061446599999]
["Other net operating income",-1.7310000000000001,40.097999999999999,-12.595000000000001,-6.5780000000000003,5.952,27.855,19.670408864000002,-304.83798951800003,-232.16658065400003]
["Operating income",1667.9570000000001,1365.567,853.35299999999995,583.90899999999999,634.15599999999995,547.72299999999996,355.514030026,-720.00800366999772,5288.1710263560026]
["General administrative expenses",-938.37,-746.46500000000003,-487.69499999999999,-335.97500000000002,-140.99199999999999,-263.59399999999999,-317.69343572299999,110.34470445499849,-3120.4397312680012]
["Operating result",729.58699999999999,619.10199999999998,365.65800000000002,247.935,493.16399999999999,284.12799999999999,37.820594303000021,-609.66329921499914,2167.7312950880009]
["Net provisioning for impairment losses",-646.14700000000005,-257.87200000000001,42.061999999999998,-127.685,-115.52,-13.544,55.156593299999997,-1.5177440000697969E-3,-1063.550924444]
["Other results",-50.487000000000002,-9.9670000000000005,25.989000000000001,-14.625999999999999,-3.9660000000000002,-4.3369999999999997,-157.63971908400001,484.20853337599999,269.17481429200001]
["Profit/loss before tax",32.953000000000003,351.26299999999998,433.70800000000003,105.624,373.678,266.29300000000001,-64.662531480999988,-125.50128358300007,1373.3551849360001]
["Income taxes  ",-65.676000000000002,-46.552,-112.129,-51.610999999999997,-75.95,-71.629000000000005,24.353445897999997,-4.8974579999980054E-2,-399.242528682]
["Profit/loss after tax",-32.722999999999999,304.70999999999998,321.57900000000001,54.012999999999998,297.72699999999998,194.66399999999999,-40.309085582999984,-125.54825816299801,974.11265625400199]
["Profit attributable to non-controlling interests",21.818999999999999,-15.936999999999999,0.16300000000000001,-3.202,0,-0.879,-1.7314789000004532E-2,-8.3958434599999965,-6.4491582489999999]
["Consolidated profit/loss",-10.904,288.77300000000002,321.74200000000002,50.811,297.72699999999998,193.78399999999999,-40.326400371999988,-133.94310162299803,967.663498005002]
[]
["Share of profit before tax",2.1985365115459638E-2,0.23435407343335052,0.28935949607044603,7.0469685153892361E-2,0.24930863884293217,0.17766402133117024,-4.3141279947251025E-2,"–",1]
["Risk-weighted assets (credit risk)",21510.076405365799,16324.785971088128,10516.501033183376,5489.957407242051,15732.908642,5128.7537380000003,19595.510289000002,-17148.005985879354,77150.487500000003]
["Total own funds requirement",1965.168215125894,1524.0200250564103,1032.7717376041503,532.18268851769415,1333.0512993599998,841.13354653791532,1682.9899341199998,-1287.189071442064,7624.1283748799997]
["Total assets",34851.818697969989,22827.461345381005,14217.958378748996,6760.7767327929987,22842.659627063993,25731.848818564995,53835.243186776002,-34082.763970211978,146985.002817086]
["Liabilities",31798.429847298012,19829.743216712999,12135.401554619999,5723.5617168650051,15377.841363824002,29357.601440633996,43818.97215635101,-21992.334430484039,136049.21686582098]
["Net interest margin",3.162076447151399E-2,4.0713216509335258E-2,4.4683582556600522E-2,6.1029727644491563E-2,1.9657104011552247E-2,8.4726671230756345E-3,7.9880818182188219E-3,"–",2.6061976594022932E-2]
["NPL ratio",9.7620944663874817E-2,0.11264406676722158,5.7768818618632999E-2,0.29660470620067297,3.0011064869512018E-2,6.4915900632188925E-2,0,"–",8.6017951976200671E-2]
["Coverage ratio",0.60730856485733209,0.58582149261486982,1.0015914691783165,0.6822435658873055,0.66721657618348795,1.0782754435084436,0,"–",0.68393956247303833]
["Cost/income ratio",0.56258639907753771,0.54663384315264052,0.57150467595527343,0.57538843503917392,0.22233001984046877,0.48125501240011126,0.89361715401151942,"–",0.56999999999999995]
["Net provisioning ratio",2.758183195744902E-2,1.5646349725919283E-2,2.9307237008937273E-3,2.3811172690174347E-2,3.135299357215906E-3,1.8804600052774333E-3,-4.7301436917593356E-3,"–",1.3824052536475196E-2]
["Average equity ",2739.6332834259324,2008.8326696136435,1274.7569359806491,699.06602837865353,1667.2976601667581,1363.4545615592294,1917.5044695638733,-1638.5105932675945,10032.035015421145]
["Return on equity before tax",1.2028207889120146E-2,0.17485917332803919,0.34022798471094862,0.15109281420236337,0.22412167719867485,0.19530730871916338,"–","–",0.13689696884280145]
["Business outlets",552,1161,191,1011,8,4,1,"–",2928]
["indicative loans and advances to customers",25380.886023293002,15321.103033029,9072.5821045429984,5076.5300162880012,21745.289428769,3770.1983329999998]
["indicative deposits from customers",22644.133917149997,14543.738302092997,9319.5841325519996,3299.1259628180001,1744.5816288010001,511.38647500000002]
[]
[]
["1/1-31/12/2010\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",1111.0260000000001,897.69799999999998,507.16399999999999,423.57499999999999,370.94900000000001,284.25,290.87299999999999,-307.36700000000002,3578.1680000000001]
["Net fee and commission income ",473.41300000000001,387.62700000000001,214.07599999999999,183.27199999999999,155.35,106.806,-17.376000000000001,-12.375999999999999,1490.7919999999999]
["Net trading income",41.862000000000002,56.228000000000002,74.381,23.158000000000001,18.934000000000001,93.165000000000006,20.231000000000002,0.16200000000000001,328.12099999999998]
["Other net operating income",-57.777000000000001,37.244999999999997,-28.39,-7.875,2.0089999999999999,29.513000000000002,132.77199999999999,-101.199,6.2969999999999997]
["Operating income",1568.5239999999999,1378.798,767.23099999999999,622.13099999999997,547.24,513.73400000000004,426.49900000000002,-420.77800000000002,5403.3789999999999]
["General administrative expenses",-883.34699999999998,-737.90099999999995,-414.94299999999998,-346.30099999999999,-141.77199999999999,-240.70400000000001,-306.82600000000002,92.049000000000007,-2979.7449999999999]
["Operating result",685.178,640.89800000000002,352.28699999999998,275.83,405.46800000000002,273.03100000000001,119.673,-328.73099999999999,2423.634]
["Net provisioning for impairment losses",-408.21100000000001,-335.31900000000002,-76.929000000000002,-213.57499999999999,-129.05500000000001,-30.995000000000001,0,0,-1194.0840000000001]
["Other results",-7.8239999999999998,-0.88500000000000001,-8.4049999999999994,26.902999999999999,18.872,7.1059999999999999,-10.601000000000001,32.606000000000002,57.771999999999998]
["Profit/loss before tax",269.14299999999997,304.69400000000002,266.95400000000001,89.156999999999996,295.28500000000003,249.14099999999999,109.07299999999999,-296.125,1287.3219999999999]
["Income taxes  ",-65.305000000000007,-39.156999999999996,-53.215000000000003,-7.1689999999999996,-65.430999999999997,-62.039000000000001,183.05099999999999,-0.89600000000000002,-110.161]
["Profit/loss after tax",203.83799999999999,265.536,213.739,81.988,229.85499999999999,187.10300000000001,292.12299999999999,-297.02100000000002,1177.1610000000001]
["Profit attributable to non-controlling interests",-54.393000000000001,-17.212,-0.23400000000000001,-8.4429999999999996,-7.0000000000000001E-3,-0.79500000000000004,-2.9000000000000001E-2,-8.5719999999999992,-89.685000000000002]
["Consolidated profit/loss",149.44499999999999,248.32400000000001,213.505,73.545000000000002,229.84800000000001,186.30799999999999,292.09500000000003,-305.59500000000003,1087.4749999999999]
[]
["Share of profit before tax",0.16997253543691451,0.19242423370758568,0.16859058730630014,5.630581972223396E-2,0.1864825570030996,0.15734127971285752,6.8882987111008487E-2,"–",1]
["Risk-weighted assets (credit risk)",22885.702000000001,16698.004000000001,8692.3379999999997,5671.0680000000002,15644.778,5273.3019999999997,16128.878000000001,-15392.757,75601.312999999995]
["Total own funds requirement",2099.4949999999999,1562.652,890.93100000000004,558.89499999999998,1301.4100000000001,1086.617,1366.356,-1281.5050000000001,7584.8509999999997]
["Total assets",33928.326000000001,22696.524000000001,12177.759,7130.9170000000004,23477.901999999998,27217.88,32878.589999999997,-28334.784,131173.114]
["Liabilities",31087.48,19850.740000000002,10276.907999999999,6114.1289999999999,16148.276,26647.48,40820.712,-30176.536,120769.189]
["Net interest margin",3.2948816076747128E-2,3.9024277200022134E-2,4.1413821818102839E-2,6.1935632027395507E-2,1.6283267229704083E-2,7.0470680261886564E-3,7.9409173891936708E-3,"–",2.5079102086012054E-2]
["NPL ratio",9.0625011068636588E-2,8.992568195659835E-2,8.7932977847855226E-2,0.26906243199156149,4.3298510915423291E-2,5.6914508812661649E-2,0,"–",8.974374069805216E-2]
["Coverage ratio",0.53327598052618808,0.68203064787885537,0.94286491920121085,0.69552939420122495,0.65185250263764805,0.88901889367908937,0,"–",0.6628896298506306]
["Cost/income ratio",0.56317061882092578,0.53517704873465888,0.54083240673919353,0.55663698779404347,0.2590671482515689,0.46853712962628019,0.71940549097852802,"–",0.55145958468007172]
["Net provisioning ratio",1.8586792543596801E-2,2.0681157615327982E-2,9.5928086924495452E-3,3.9999595583838018E-2,8.6108835386632596E-3,4.314039576171028E-3,0,"–",1.6565956589996645E-2]
["Average equity ",2583.3870000000002,1941.597,1079.2270000000001,664.14599999999996,1593.673,1613.915,2043.1759999999999,-2119.14,9399.9809999999998]
["Return on equity before tax",0.10418199433528651,0.15692930082195253,0.24735692033074733,0.13424351918439356,0.18528584671983861,0.1543708623763167,5.3383813977086941E-2,"–",0.13694938772287077]
["Business outlets",555,1167,198,1028,8,4,1,"–",2961]
["indicative loans and advances to customers",25216.960848360002,14780.848252466003,7601.4233217759993,5305.8986363610002,20159.252917381,3626.1767836620002]
["indicative deposits from customers",20978.747903379,13644.273084940001,6764.0627249380004,3409.3915676420002,9960.7581344690007,2861.3541220980001]
[]
[]
["1/1-30/9/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",848.1695889240001,689.3776654620001,431.54031252499993,315.62070815700002,309.35298204399999,170.645619444,349.10468346900001,-390.05156002500019,2723.76]
["Net fee and commission income ",368.00354344599998,272.45827400800005,173.767553445,131.154642838,131.52115161900002,91.433475638000004,-40.989135920000002,-2.8465050740000493,1124.5029999999999]
["Net trading income",30.348668081,26.348419532000001,37.464199001999994,52.219066186999996,7.5763095190000005,88.525130494999999,49.184176557000001,1.312030627000027,292.97800000000001]
["Other net operating income",-28.856419978999998,27.802310021999997,-2.8628418680000003,-1.4041918530000002,3.731457931,22.928197089000001,18.338167128000002,-81.603678470000006,-41.927]
["Operating income",1217.6653804719999,1015.9866690240001,639.90922310399992,497.59022532899996,452.18190111299998,373.532422666,375.63789123400005,-473.18971294199991,4099.3140000000003]
["General administrative expenses",-708.27453961000015,-554.47302232899995,-335.13557035400004,-248.44998953500001,-102.24977563799999,-197.47015610900002,-204.58058890999999,63.946642485000552,-2286.6869999999999]
["Operating result",509.39084086199989,461.51364669500015,304.77365274999994,249.14023579399998,349.93212547500002,176.06226655700002,171.05730232400003,-409.24307045699948,1812.6270000000004]
["Net provisioning for impairment losses",-484.24042487700001,-193.52429811899998,-20.973031154000001,-98.837851385000008,-36.037081972999999,-7.7827790000000006,59.791900999999996,-4.3449200012446454E-4,-781.60400000000004]
["Other results",-12.22277119,-7.6606123200000003,2.7663867419999999,-8.0799081189999988,-5.9825225030000002,-66.47752890000001,93.22319593200001,5.1827603579999781,0.74899999999997435]
["Profit/loss before tax",12.927644794999855,260.32873625600024,286.56700833799994,142.22247629000006,307.91252099899998,101.80195865699999,324.07239925599998,-404.06074459099966,1031.7720000000004]
["Income taxes  ",-54.835373128000001,-31.363620840999999,-76.431929432999993,-38.268844744999996,-63.187436500000004,-29.668872658000002,22.928500234000001,-1.1394229290000197,-271.96699999999998]
["Profit/loss after tax",-41.907728333000144,228.96511541500024,210.13507890499994,103.95363154500005,244.72508449899999,72.133085998999974,347.00089948999999,-405.2001675199997,759.80499999999995]
["Profit attributable to non-controlling interests",6.0012140434869776,-12.435286722444671,6.9483806874935508E-2,-9.7073966340023894,-2.7735999996047724E-5,-0.67308192521111176,-1.090091182798568,3.5071863500948242,-14.327999999999999]
["Consolidated profit/loss",-35.906514289513161,216.52982869255558,210.20456271187487,94.246234910997657,244.725056763,71.460004073788866,345.91080830720142,-401.69298116990529,745.47699999999998]
[]
["Share of profit before tax",9.0035868339820597E-3,0.18130853836332825,0.19958244399811981,9.9052258576616051E-2,0.21444873865633252,7.0900986929364446E-2,0.22570344664225686,"–",1]
["Risk-weighted assets (credit risk)",23861.530171193852,16514.574766551472,11331.009126816736,5605.4796537249767,14609.802322521091,5835.060581354508,17687.119475098443,-15011.363597261094,80433.212499999994]
["Total own funds requirement",2152.8012076393984,1549.768054361318,1097.6870582633489,540.63212943913823,1229.1519658016873,1277.4837815772935,1509.9190180078751,-1289.5802150900588,8067.8630000000003]
["Total assets",35608.07537389802,22630.217950363993,13974.532820072007,6758.364097849003,21596.418275357995,28565.087532903999,52695.368675234997,-33460.323693160011,148367.74103251999]
["Liabilities",32884.039850009991,19695.100386676993,12078.000929773998,5793.2973359749994,15056.408219787005,27741.913197888003,52526.972757236028,-27755.884386954003,138019.84829039301]
["Net interest margin",3.2433840378383857E-2,4.0831394175751934E-2,4.4420220769575962E-2,6.1713992281985722E-2,1.9103467663081467E-2,8.3072104566979527E-3,1.0741384544772898E-2,"–",2.6100946336840233E-2]
["NPL ratio",9.1068304765879737E-2,0.10328770422225896,5.9023270790034249E-2,0.28063416035047434,3.6475886885648928E-2,0.10210829231341294,"–","–",8.3878532343373322E-2]
["Coverage ratio",0.63347148534439468,0.62901940421432045,1.0725837010617176,0.71581670054027169,0.755,0.88029999999999997,"–","–",0.70537750679644329]
["Cost/income ratio",0.58166599048373513,0.54574832449489741,0.52372361305930537,0.49930641095437156,0.22612531679468487,0.52865599912211925,0.54462181181439562,"–",0.55782180089075373]
["Net provisioning ratio",2.758183195744902E-2,1.5646349725919283E-2,2.9307237008937273E-3,2.3811172690174347E-2,3.135299357215906E-3,1.8804600052774333E-3,-4.7301436917593356E-3,"–",1.355522949008261E-2]
["Average equity ",2774.3202733314438,2017.987076121801,1259.1499475373976,712.68303195760097,1654.14032154749,1478.4244369129008,1881.3999889324555,-1687.1050763410897,10091]
["Return on equity before tax",6.2130028361751504E-3,0.17200555235553774,0.30345023259377796,0.26607897183379026,0.24819540558360054,9.1811215701649448E-2,0.22966755335558053,"–",0.13633579856503794]
["Business outlets",561,1153,192,1014,8,4,1,"–",2933]
["indicative loans and advances to customers",25942.068275823993,15137.586296191999,9219.0001285369981,5089.9384922210002,20145.871169732,1837.8556309999999]
["indicative deposits from customers",22424.275383177006,14151.950054263003,9269.5607363099971,3297.1420743029998,11503.149183895999,3687.349643]
[]
[]
["1/1-30/6/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",569.1750384579999,454.88698625400002,279.00481788799999,202.85620062700002,199.16518767599999,108.46350023999999,317.86723889799998,-350.2333243700009,1781.1856456709991]
["Net fee and commission income ",243.07849987399999,179.01416095799999,109.47487681999999,84.59159331299999,85.356119374000002,65.749247709000002,-21.082092359999997,-9.2390926310010038,736.94331305699905]
["Net trading income",25.765631240999998,26.510110445999999,59.723259387000006,43.649038203000003,4.7325767180000007,90.434823207999997,15.101327217,-9.7245841819999921,256.19218223799999]
["Other net operating income",-16.827579970999999,17.283567294000001,-0.7692242090000001,-2.2824485259999996,2.289855787,15.959092498,15.184011991,-57.348532433000003,-26.511257569000001]
["Operating income",821.19158960199991,677.69482495199998,447.43372988599998,328.81438361699998,291.543739555,280.60666365499998,327.07048574599997,-426.54553361600188,2747.809883396998]
["General administrative expenses",-470.20121657800001,-371.60502108599997,-221.902560499,-165.25116271600001,-71.004310047999994,-126.55527737300001,-135.55774303999999,47.761931264000133,-1514.3153600759999]
["Operating result",350.99037302399995,306.08980386599995,225.53116938699998,163.56322090099994,220.53942950699997,154.05138628199998,191.51274270599995,-378.78360235200176,1233.494523320998]
["Net provisioning for impairment losses",-177.16784624799999,-123.851033218,-4.2830215549999995,-71.227520271999992,-19.279199381000002,-9.0680010000000006,-0.14049460000000003,3.8500000003477907E-4,-405.01673127399994]
["Other results",-10.670459185999999,6.3860810949999998,-15.358728614000002,4.4404778889999994,-0.27442046299999995,46.453469800000001,9.9252002920000066,9.1347207079999979,50.036341521000004]
["Profit/loss before tax",163.15206758999997,188.62485174300002,205.889419218,96.77617851799998,200.985809663,191.43685508199997,201.297448398,-369.64849664400123,878.51413356799867]
["Income taxes  ",-36.092916196000004,-23.797419435999998,-49.783729090999998,-25.592062602000002,-43.160205090999995,-47.508064773999997,25.294445285999998,-0.4321242850000126,-201.072076189]
["Profit/loss after tax",127.05915139399995,164.82743230700004,156.10569012699997,71.184115915999982,157.82560457199997,143.92879030799998,226.59189368400001,-370.08062092900127,677.44205737899858]
["Profit attributable to non-controlling interests",-43.603160127137713,-12.334973748721403,-2.0182798985000714,-7.6501580356678716,-3.7553999994648703E-5,-0.45769739999220799,-3.3477576308416674,7.1215572548609289,-62.290507140000003]
["Consolidated profit/loss",83.455991266862242,152.49245855827863,154.08741022849992,63.533957880332103,157.82556701800002,143.47109290800776,223.24413605315834,-362.9590636741404,615.15155023899865]
[]
["Share of profit before tax",0.13071378972649475,0.15112201501415098,0.16495400057204868,7.7534911056872935E-2,0.16102533820361425,0.15337492923456977,0.16127501619224871,"–",1]
["Risk-weighted assets (credit risk)",23736.198338199996,16484.874834599999,9309.8420910000004,5329.6526361999995,15382.787495,6151.1252310000009,15876.491892999999,-14759.023324999987,76502.237500000003]
["Total own funds requirement",2177.1632820157492,1550.78970736934,967.69479259154002,513.84285845990996,1266.7355936000004,995.64599999999996,1355.1858164399998,-1125.0327166664883,7702.0249999999996]
["Total assets",35541.704823968015,22471.27129197101,13196.323885977001,6522.5184312419988,20688.919764164002,24577.913778961993,45955.663506097015,-31398.808329990043,137555.50715239099]
["Liabilities",32652.323013895992,19571.907579437997,11219.75391426999,5629.4946747329977,13863.075160808003,22802.150274498999,53396.606339645994,-32062.837627651974,127072.47332963801]
["Net interest margin",3.2880446777324907E-2,4.0485246605843239E-2,4.424136629173666E-2,5.9321532151772431E-2,1.8449993876450417E-2,8.0351724784231623E-3,1.5808683541364766E-2,"–",2.6181623652872472E-2]
["NPL ratio",8.72E-2,0.1,7.1800000000000003E-2,0.27529999999999999,4.2599999999999999E-2,1.2E-2,"–","–",8.5099999999999995E-2]
["Coverage ratio",0.58699999999999997,0.62480000000000002,1.0350999999999999,0.72909999999999997,0.69,0.877,"–","–",0.68510000000000004]
["Cost/income ratio",0.57258406263742723,0.54833681386355604,0.49594508790282255,0.5025667092120979,0.24354599469835289,0.4510059587487098,0.41446033484437644,"–",0.55109902953108159]
["Net provisioning ratio",1.52E-2,1.4999999999999999E-2,1E-3,2.58E-2,2.5000000000000001E-3,3.3999999999999998E-3,0,"–",1.09E-2]
["Average equity ",2882.1941687044946,2088.9398503439843,1244.653085114136,725.52658550416595,1728.8318579503255,1403.273688171349,1877.5091600827354,-1676.1778532424678,10274.750542628723]
["Return on equity before tax",0.1132137934088837,0.18059385645971504,0.33083824188507871,0.26677500301591445,0.2325105344845802,0.27284321896103886,0.21443032361997055,"–",0.17100446963128646]
["Business outlets",556,1154,190,1022,8,4,1,"–",2935]
["indicative loans and advances to customers",26396,15126,8337,4813,19648,2770,"–","–","–"]
["indicative deposits from customers",22112,13515,8283,3265,9260,3985,"–","–","–"]
[]
[]
["RBI Group 1/1-31/3/2011\n€ million","Central Europe","Southeastern Europe","Russia","CIS other","Group corporates","Group markets","Corporate center","Reconciliation","Total"]
["Net interest income",287.24349258500001,221.32963902900002,135.91641369499999,100.788345487,96.652358109999994,49.973413274999999,59.750040581,-67.402109510999878,884.25159325100003]
["Net fee and commission income ",118.827981474,87.271267986000012,52.076905049999993,42.744285462999997,41.117352646999997,31.874851019999998,-12.185319676000001,-4.6190093869999833,357.10831457700004]
["Net trading income",12.204284893999999,14.154289605000001,31.642781895999999,7.0892522329999998,4.7710824740000009,70.062326584999994,-25.837738960000003,9.3386428560000283,123.424921583]
["Other net operating income",-5.4137304380000009,7.0289228069999998,-1.6023385209999998,-1.4676689590000001,0.173222397,6.8345062690000002,-11.666669000000001,-17.788041585000002,-23.901797030000001]
["Operating income",412.86202851500002,329.78411942700001,218.03376212000001,149.15421422399999,142.714015628,158.74509714899997,10.060312945,-80.470517626999836,1340.8830323810002]
["General administrative expenses",-236.39938646099998,-182.11181506399998,-112.67407104199999,-85.260794976,-32.899606247999998,-61.883703703999998,-68.758345787999986,26.97210082199998,-753.01562246100002]
["Operating result",176.46264205400001,147.67230436299999,105.359691078,63.893419247999994,109.81440938,96.861393444999976,-58.698032842999993,-53.498416804999856,587.86740992000023]
["Net provisioning for impairment losses",-78.764736966000015,-60.277773648999997,-1.7906613490000001,-50.655461321000004,-11.110159952,-5.6237409999999999,2.5673999999999999E-2,1.0000000220315997E-6,-208.19685923699998]
["Other results",-2.7670977469999998,5.3097180689999997,-9.1999490219999984,5.3996833959999995,1.8354015669999999,50.478678170000002,-25.839861907000003,0.15451194499999474,25.371084470999993]
["Profit/loss before tax",94.930807340999976,92.704248782999983,94.369080707000009,18.637641323000008,100.53965099500002,141.71633061499998,-84.512220749999983,-53.343903859999848,405.04163515400018]
["Income taxes  ",-19.159176340999998,-12.500602419,-23.943665054,-7.4497785929999996,-23.032549168999999,-35.348382729000008,21.750261251000001,-9.9999999656574807E-7,-99.683894054000007]
["Profit/loss after tax",75.771630999999985,80.203646363999979,70.425415653000016,11.187862730000008,77.507101826000024,106.36794788599998,-62.761959498999978,-53.343904859999789,305.35774110000023]
["Profit attributable to non-controlling interests",-28.159270202419627,-7.3733354739882184,-1.2108075000000007,-2.4315524896265943,-5.6919999991889108E-6,-0.21550579999709049,-0.69569016686751184,4.7401410858990438,-35.346026238999997]
["Consolidated profit/loss",47.612360797580351,72.830310890011759,69.214608153000029,8.7563102403734145,77.507096134000022,106.15244208600289,-63.457649665867486,-48.603763774100763,270.0117148610002]
[]
["Share of profit before tax",0.20709817230534536,0.20224077963368872,0.20587272650439742,4.0659313474613733E-2,0.21933425563830744,0.3091640519895888,-0.18436929954594142,0,1]
["Risk-weighted assets (credit risk)",23151.234063200001,16268.705259200002,8833.5499316000005,5531.9456742000002,15663.882431,4813.9172099999987,17724.096499000003,-17000.506068200008,74986.824999999997]
["Total own funds requirement",2129.8085110984098,1529.7999850206002,907.95641250303015,539.94371392270989,1274.6565254799998,1036.8973195867018,1451.7364919200002,-1310.5119595314525,7560.2870000000003]
["Total assets",34392.615916735995,22247.427664522998,12464.461278887005,6864.1933808640006,20602.366956152997,29195.747599273003,41808.520057909001,-28112.544149232999,139462.78870511201]
["Liabilities",31484.873924355008,19309.538886907012,10464.129894651007,5900.0266924440011,13103.546652638006,29701.343031990989,47768.275466998995,-28940.709868764057,128791.02468122095]
["Net interest margin",3.3634605637996702E-2,3.939656072229733E-2,4.4124729115700353E-2,5.7613460430807596E-2,1.7541155985496285E-2,7.0867151379371291E-3,6.4000377365042577E-3,"–",2.6138485960301834E-2]
["NPL ratio",8.5000000000000006E-2,9.0999999999999998E-2,8.4000000000000005E-2,0.26300000000000001,4.5999999999999999E-2,1.52E-2,"–","–",8.5999999999999993E-2]
["Coverage ratio",0.57599999999999996,0.57699999999999996,0.98699999999999999,0.72399999999999998,0.67200000000000004,">100%","–","–",0.68300000000000005]
["Cost/income ratio",0.57258689376519201,0.55221523516784043,0.51677350308704562,0.57162846802273537,0.23052820778133307,0.38983064557839692,0.72499999999999998,"–",0.56158188617233329]
["Net provisioning ratio",1.8586792543596801E-2,2.0681157615327982E-2,9.5928086924495452E-3,3.9999595583838018E-2,8.6108835386632596E-3,4.314039576171028E-3,0,"–",1.1553557583155198E-2]
["Average equity ",2900.0733894882387,2120.5234743098035,1233.5144683853409,753.4842270662399,1766.4336507479866,1456.1142177434276,1932.3930636050679,-1777.3706684775893,10385.165822868517]
["Return on equity before tax",0.13093573105438125,0.17487049760328399,0.30601693981110178,9.8941109334523838E-2,0.2276669739674107,0.38930003948349851,"–","–",0.15600776802700006]
["Business outlets",548,1168,196,1019,8,4,1,0,2944]
[]
[]
["RBI Group 1/1-31/3/2010\n€ million","Central Europe","Southeastern Europe","Russia","CIS other","Group corporates","Group markets","Corporate center","Reconciliation","Total"]
["Net interest income",260.77132799999998,222.336082,119.156696,114.744664,82.087665999999999,63.701945000000002,45.748453999999995,-49.918053000000015,858.628782]
["Net fee and commission income ",107.44904700000001,90.038668999999999,47.151608000000003,37.185406,38.507641000000007,26.193278999999997,-7.2546660000000003,-2.3885560000000261,336.882428]
["Net trading income",3.761466,14.040753,33.791593999999996,11.906139,1.7696229999999999,30.831009999999999,55.881701999999997,-25.824839999999998,126.15744699999999]
["Other net operating income",-2.6770162183646047,5.2268437202385281,-3.2328902935550072,-1.6622779999999999,0.89552999999999994,4.4513400000000001,22.337156999999998,-29.930735208318914,-4.5920490000000003]
["Operating income",369.30482478163543,331.64234772023855,196.86700770644498,162.17393100000001,123.26046000000001,125.17757399999999,116.712647,-108,1317.0766079999999]
["General administrative expenses",-215.757453,-178.239937,-95.785049999999998,-78.316265999999999,-39.769869,-63.190212000000002,-47.560771000000003,18.658377000000037,-699.96118100000001]
["Operating result",153.54737178163541,153.40241072023855,101.08195770644497,83.857665000000011,83.490591000000009,61.98736199999999,69.151875999999987,1.8550314815791717E-2,617.11542699999984]
["Net provisioning for impairment losses",-111.14232700000001,-68.571706000000006,-37.003005999999999,-78.091848999999996,-21.161560000000001,-6.8835139999999999,-2.087456,-2.0000000076834112E-6,-324.94141999999999]
["Other results",17.909656218364606,12.435103279761472,-6.334631706444994,11.713257000000002,9.1387859999999996,25.427632999999993,11.741399655293121,17.939965553025818,99.971169000000003]
["Profit/loss before tax",60.314700999999978,97.265808000000007,57.744320000000009,17.479072999999996,71.467817000000011,80.531480999999971,78.805819655293107,-71.463843655293161,392.14517599999994]
["Income taxes  ",-13.889996,-13.115270000000001,-14.129531,-5.381456,-15.217183,-19.260415000000002,47.791489999999996,-2.6100000000587898E-4,-33.202622000000005]
["Profit/loss after tax",46.424704999999982,84.150537999999997,43.614789000000002,12.097616999999996,56.250634000000005,61.271065999999969,126.59730965529309,-71.464104655293198,358.94255399999986]
["Profit attributable to non-controlling interests",-16.813608778147394,-5.3372687099818963,-5.9219250000000001E-2,-1.6215895351904033,4.7499958000000002E-2,-0.21380519999999995,-0.57720019958817026,-0.6625842850921374,-25.237776]
["Consolidated profit/loss",29.611096221852584,78.813269290018098,43.555569750000004,10.476027464809594,56.298133958000008,61.057260799999966,126.02010945570493,-72.126688940385293,333.70477799999986]
[]
["Share of profit before tax",0.13009820439827882,0.20980137114743797,0.12455391839212836,3.7702184942381409E-2,0.15415536361466486,0.17370559584858269,0.16998336165652589,0,1]
["Risk-weighted assets (credit risk)",21668.305703000002,16338.779726000001,7610.9704369999999,5374.1368000000002,14312.425138106733,7817.1311430000005,19875.084957591855,-22029.632523958586,70967.201380740007]
["Total own funds requirement",1984.9057524748803,1522.0682823207799,804.57123948490016,515.24941978407992,1192.2026310181159,1314.0330553729502,1614.688352637771,-1515.5542019070726,7432.1645311864058]
["Total assets",33845.065913000006,23300.492225999998,12343.334446000001,6650.1165029999993,21490.153949,49390.460142999997,35832.999175999998,-37278.849131000039,145573.77322499995]
["Liabilities",31068.946871000004,20495.647800000002,10534.570045,5710.7148850000003,9699.755482999999,51332.888277999999,39218.450504,-32471.200267999979,135589.77359800003]
["Net interest margin",3.086305571848013E-2,3.7921836584883281E-2,3.9693466877365635E-2,7.0962340878002683E-2,1.503419878089883E-2,5.3051672808988029E-3,5.5385934502832201E-3,"–",2.3592952575953268E-2]
["NPL ratio",7.62830915158626E-2,7.0396602862758076E-2,0.11846516257011526,0.22973323630034756,3.1470226115726245E-2,2.4242208997301996E-2,"–","–",8.8242357022520521E-2]
["Coverage ratio",0.57812202536017088,0.67778487300602397,0.85609003580721321,0.72852756803035834,0.63892149046699109,">100%","–","–",0.63969059266452044]
["Cost/income ratio",0.5842259253655141,0.53744625264309354,0.48654698984823458,0.4829152596664873,0.3226490392782892,0.5048045746596751,0.40750314745239219,"–",0.5314506208282761]
["Net provisioning ratio",2.0770228828578829E-2,1.6813403214377246E-2,2.0646520412883666E-2,6.0028755331815752E-2,5.9348738763156236E-3,3.2167324363819739E-3,4.061227463242283E-4,"–",1.8368380648900409E-2]
["Average equity ",2563.5786697003264,1978.788594661911,987.6764359129877,649.71467150622402,1535.5106842133648,1796.4522897244208,2196.5979684920021,-2227.4843977112369,9480.8349165]
["Return on equity before tax",9.4110162036963055E-2,0.19661687612792919,0.23385925957268527,0.10761076371865526,0.18617341509834601,0.17931226219729698,0.14350522177600755,"–",0.16544752838909951]
["Business outlets",554,1179,210,1034,8,3,1,0,2989]
[]
[]
[]
["RBI Group 1/1-31/12/2010\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",1111.0260000000001,897.69799999999998,507.16399999999999,423.57499999999999,370.94900000000001,284.25,290.87299999999999,-307.36700000000002,3578.1680000000001]
["Net fee and commission income ",473.41300000000001,387.62700000000001,214.07599999999999,183.27199999999999,155.35,106.806,-17.376000000000001,-12.375999999999999,1490.7919999999999]
["Net trading income",41.862000000000002,56.228000000000002,74.381,23.158000000000001,18.934000000000001,93.165000000000006,20.231000000000002,0.16200000000000001,328.12099999999998]
["Other net operating income",-57.777000000000001,37.244999999999997,-28.39,-7.875,2.0089999999999999,29.513000000000002,132.77199999999999,-101.199,6.2969999999999997]
["Operating income",1568.5239999999999,1378.798,767.23099999999999,622.13099999999997,547.24,513.73400000000004,426.49900000000002,-420.77800000000002,5403.3789999999999]
["General administrative expenses",-883.34699999999998,-737.90099999999995,-414.94299999999998,-346.30099999999999,-141.77199999999999,-240.70400000000001,-306.82600000000002,92.049000000000007,-2979.7449999999999]
["Operating result",685.178,640.89800000000002,352.28699999999998,275.83,405.46800000000002,273.03100000000001,119.673,-328.73099999999999,2423.634]
["Net provisioning for impairment losses",-408.21100000000001,-335.31900000000002,-76.929000000000002,-213.57499999999999,-129.05500000000001,-30.995000000000001,0,0,-1194.0840000000001]
["Other results",-7.8239999999999998,-0.88500000000000001,-8.4049999999999994,26.902999999999999,18.872,7.1059999999999999,-10.601000000000001,32.606000000000002,57.771999999999998]
["Profit/loss before tax",269.14299999999997,304.69400000000002,266.95400000000001,89.156999999999996,295.28500000000003,249.14099999999999,109.07299999999999,-296.125,1287.3219999999999]
["Income taxes  ",-65.305000000000007,-39.156999999999996,-53.215000000000003,-7.1689999999999996,-65.430999999999997,-62.039000000000001,183.05099999999999,-0.89600000000000002,-110.161]
["Profit/loss after tax",203.83799999999999,265.536,213.739,81.988,229.85499999999999,187.10300000000001,292.12299999999999,-297.02100000000002,1177.1610000000001]
["Profit attributable to non-controlling interests",-54.393000000000001,-17.212,-0.23400000000000001,-8.4429999999999996,-7.0000000000000001E-3,-0.79500000000000004,-2.9000000000000001E-2,-8.5719999999999992,-89.685000000000002]
["Consolidated profit/loss",149.44499999999999,248.32400000000001,213.505,73.545000000000002,229.84800000000001,186.30799999999999,292.09500000000003,-305.59500000000003,1087.4749999999999]
[]
["Share of profit before tax",0.16997253543691451,0.19242423370758568,0.16859058730630014,5.630581972223396E-2,0.1864825570030996,0.15734127971285752,6.8882987111008487E-2,"–",1]
["Risk-weighted assets (credit risk)",22885.702000000001,16698.004000000001,8692.3379999999997,5671.0680000000002,15644.778,5273.3019999999997,16128.878000000001,-15392.757,75601.312999999995]
["Total own funds requirement",2099.4949999999999,1562.652,890.93100000000004,558.89499999999998,1301.4100000000001,1086.617,1366.356,-1281.5050000000001,7584.8509999999997]
["Total assets",33928.326000000001,22696.524000000001,12177.759,7130.9170000000004,23477.901999999998,27217.88,32878.589999999997,-28334.784,131173.114]
["Liabilities",31087.48,19850.740000000002,10276.907999999999,6114.1289999999999,16148.276,26647.48,40820.712,-30176.536,120769.189]
["Net interest margin",3.2948816076747128E-2,3.9024277200022134E-2,4.1413821818102839E-2,6.1935632027395507E-2,1.6283267229704083E-2,7.0470680261886564E-3,7.9409173891936708E-3,0,2.5079102086012054E-2]
["NPL ratio",9.0625011068636588E-2,8.992568195659835E-2,8.7932977847855226E-2,0.26906243199156149,4.3298510915423291E-2,1.2622063457632431E-2,0,0,8.974374069805216E-2]
["Coverage ratio",0.53327598052618808,0.68203064787885537,0.94286491920121085,0.69552939420122495,0.65185250263764805,0.88901889367908937,0,0,0.6628896298506306]
["Cost/income ratio",0.56317061882092578,0.53517704873465888,0.54083240673919353,0.55663698779404347,0.2590671482515689,0.46853712962628019,0.71940549097852802,"–",0.55145958468007172]
["Net provisioning ratio",1.8586792543596801E-2,2.0681157615327982E-2,9.5928086924495452E-3,3.9999595583838018E-2,8.6108835386632596E-3,4.314039576171028E-3,0,"-",1.6565956589996645E-2]
["Average equity ",2583.3870000000002,1941.597,1079.2270000000001,664.14599999999996,1593.673,1613.915,2043.1759999999999,-2119.14,9399.9809999999998]
["Return on equity before tax",0.10418199433528651,0.15692930082195253,0.24735692033074733,0.13424351918439356,0.18528584671983861,0.1543708623763167,5.3383813977086941E-2,0,0.13694938772287077]
["Business outlets",555,1167,198,1028,8,4,1,0,2961]
[]
[]
["RBI Group pro forma 1/1-31/12/2009\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CIS \nother","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",983.54600000000005,895.73599999999999,650.51599999999996,488.38400000000001,311.70100000000002,92.222999999999999,363.89699999999999,-503.63900000000001,3282.364]
["Net fee and commission income ",436.37299999999999,398.04300000000001,206.911,175.33199999999999,110.901,122.523,-15.903,-13.29,1420.89]
["Net trading income",89.387,87.866,-13.339,17.071000000000002,6.4539999999999997,90.501000000000005,122.41,18.536000000000001,418.88600000000002]
["Other net operating income",-22.241,25.472999999999999,-18.472000000000001,-2.8780000000000001,0.47599999999999998,30.375,134.79900000000001,-102.179,45.353000000000002]
["Operating income",1487.0650000000001,1407.1179999999999,825.61699999999996,677.90899999999999,429.53199999999998,335.62200000000001,605.20299999999997,-600.57299999999998,5167.4930000000004]
["General administrative expenses",-804.91300000000001,-741.44399999999996,-366.40300000000002,-294.09899999999999,-130.029,-242.23699999999999,-265.404,129.06700000000001,-2715.462]
["Operating result",682.15200000000004,665.67399999999998,459.214,383.81,299.50299999999999,93.385999999999996,339.79899999999998,-471.50700000000001,2452.0309999999999]
["Net provisioning for impairment losses",-487.34100000000001,-413.95699999999999,-322.149,-514.43499999999995,-162.85,-331.99099999999999,0.52100000000000002,0,-2232.2020000000002]
["Other results",35.777000000000001,8.6430000000000007,14.718999999999999,4.9400000000000004,19.285,517.495,-320.39499999999998,290.00400000000002,570.46799999999996]
["Profit/loss before tax",230.58799999999999,260.36,151.78399999999999,-125.685,155.93799999999999,278.89,19.925000000000001,-181.50200000000001,790.298]
["Income taxes  ",-50.786000000000001,-34.517000000000003,-28.440999999999999,21.361999999999998,-47.548000000000002,-50.192999999999998,-89.655000000000001,20.472000000000001,-259.30599999999998]
["Profit/loss after tax",179.80199999999999,225.84299999999999,123.342,-104.32299999999999,108.39,228.697,-69.73,-161.029,530.99199999999996]
["Profit attributable to non-controlling interests",-27.181999999999999,-16.003,-0.253,0.90900000000000003,0.47099999999999997,-0.68200000000000005,-0.15,-37.837000000000003,-80.727000000000004]
["Consolidated profit/loss",152.62,209.84,123.089,-103.414,108.86,228.01499999999999,-69.88,-198.86500000000001,450.26499999999999]
[]
["Share of profit before tax",0.23727941801986438,0.26791515891037854,0.15618818169283244,-0.12933224347104438,0.16046320684416959,0.28698298468641903,2.0503293317380149E-2,0,1]
["Risk-weighted assets (credit risk)",21140.014999999999,16288.383,6726.7510000000002,5033.1220000000003,14212.609,9302.1389999999992,21244.620999999999,-23392.764999999999,70554.875]
["Total own funds requirement",1954.49,1518.693,713.17,483.15300000000002,1167.383,1446.5360000000001,1760.7760000000001,-1907.373,7136.8280000000004]
["Total assets",33756.860999999997,23596.463,11681.105,6280.8019999999997,22197.063999999998,46667.292000000001,30176.539000000001,-28718.044000000002,145638.08199999999]
["Liabilities",31116.266,20831.373,10062.24,5387.2950000000001,12568.215,48242.902999999998,32738.239000000001,-24645.482,136301.049]
["Net interest margin",2.8969584703244608E-2,3.7027770259324536E-2,4.9594034648552825E-2,6.8430233311843849E-2,1.4042441603305691E-2,1.9761790255090408E-3,1.205894474347443E-2,0,2.1863538557242608E-2]
["NPL ratio",7.0016536088461798E-2,6.4799999999999996E-2,0.1010091014060512,0.19902573849742949,0,0,0,0,7.4227072314935305E-2]
["Coverage ratio",0.57812202536017088,0.67778487300602397,0.85609003580721321,0.72852756803035834,0,0,0,0,0.6939376435909862]
["Cost/income ratio",0.54127602601933111,0.52692383185653591,0.44379286730923961,0.43383199651967319,0.30272315143502959,0.72175364709920076,0.43853657621992259,"–",0.52548921361829848]
["Net provisioning ratio",2.3053011119100977E-2,2.5414247191895559E-2,4.7890731193315404E-2,0.10220992066288674,1.1458117172270178E-2,3.5689698497264326E-2,-2.4503513838296296E-5,0,2.8899999999999999E-2]
["Average equity ",2273.6770000000001,1766.711,829.63699999999994,562.05700000000002,1358.029,1682.77,2048.328,-2218.866,8302.3430000000008]
["Return on equity before tax",0.10141634722516092,0.14736982741104945,0.1829517726537595,"–",0.11482681647937736,0.16573269086706041,9.7274909155867471E-3,"–",9.5189724755937566E-2]
["Business outlets",549,1204,215,1050,7,3,1,0,3029]
[]
[]
[]
["RI Group Financial year 2009\nin € million","CE\n","SEE\n","Russia","CIS \nother",null,null,null,"Reconciliation\nConsolidation","Total\n"]
["Net interest income",985.11220800000001,895.635355,650.38000399999999,488.384321,null,null,null,-83.010133999999582,2936.5017540000003]
["   hereof current income from associates",0,2.9311319999999998,0,0,null,null,null,0,2.9311319999999998]
["Provisioning for impairment losses",-487.34092700000002,-413.95728399999996,-322.148978,-514.43525999999997,null,null,null,0,-1737.882449]
["Net interest income after provisioning",497.77128099999993,481.67807099999999,328.23102599999993,-26.050939000000014,null,null,null,-83.010133999999823,1198.6193050000002]
["Net fee and commission income",435.23615100000001,398.04316299999999,206.53267000000002,175.33170199999998,null,null,null,7.9131999999999278,1223.0568859999998]
["Net trading income",89.252397999999999,88.337926999999993,-13.302052999999999,17.071013999999998,null,null,null,4.9803270000000053,186.33961300000001]
["Net income from derivatives",-1.1603829999999999,0.19261699999999998,11.479321000000001,0.67795799999999995,null,null,null,-2.9841210000000005,8.2053919999999998]
["Net income from financial investments",36.860855000000001,8.4500609999999998,3.2393749999999999,4.2617709999999995,null,null,null,-11.462001999999979,41.350059999999999]
["General administrative expenses",-801.88633800000002,-740.63235099999997,-364.63873700000005,-294.09850300000005,null,null,null,-68.469580000000164,-2269.7255089999999]
["   hereof staff expenses",-378.367572,-325.557211,-161.96316200000001,-145.09794200000002,null,null,null,-43.181491000000001,-1054.1673780000001]
["   hereof other administrative expenses",-348.096136,-316.71599800000001,-170.01740599999999,-112.82780899999999,null,null,null,-22.52633699999997,-970.18368599999997]
["   hereof depreciation on intangible and tangible fixed assets",-75.422629999999998,-98.359142000000006,-32.658169000000001,-36.172752000000003,null,null,null,-2.7617520000000022,-245.37444500000001]
["Other net operating income",-21.653944119829461,24.165135999999997,-18.786922999999998,-2.878295,null,null,null,-1.1710618801705424,-20.325088000000001]
["Net income from disposal of group assets",7.6290119829465333E-2,0,0,0,null,null,null,-1.1982946533350969E-7,7.6290000000000011E-2]
["Profit before tax",234.49630999999999,260.23462399999988,152.75467900000001,-125.68529200000003,null,null,null,-154.20337200000009,367.596949]
["Income taxes",-51.049264999999998,-34.535896999999999,-28.470192999999998,21.361927000000001,null,null,null,12.193607,-80.499820999999997]
["Profit after tax",183.44704500000014,225.69872699999991,124.284486,-104.32336500000004,null,null,null,-142.00976499999996,287.097128]
["Minority interests in profit",-56.931843915589297,-16.326450765544585,-0.25313849999999999,0.92073274877181144,null,null,null,-2.3258235676379408,-74.91652400000001]
["Profit after minorities",126.51520108441086,209.37227623445531,124.03134750000001,-103.40263225122823,null,null,null,-144.33558856763801,212.18060400000002]
[]
["Share of profit before tax",0.44939855450951344,0.49872453796363198,0.29274546766712312,-0.24086856014026869,null,null,null,0,1]
["Share of profit after tax",0.42750896802769411,0.52597320313845419,0.28963525878387603,-0.24311742995002422,null,null,null,0,1]
["Risk-weighted assets (credit risk)",21493.237626000002,16437.435389000002,7298.2486610000005,5068.4191559999999,null,null,null,-207.74083200000294,50089.599999999999]
["Total own funds requirement",1979.1223109566599,1528.83883448539,758.43614914130001,485.85602123928993,null,null,null,364.56260189819511,5116.8159177208354]
["Total assets",33653.791320000004,23573.422345999999,11680.852541999999,6280.802291,null,null,null,1086.4603509999756,76275.328849999976]
["Liabilities",31021.088157999999,20807.836565000001,10062.581619999999,5387.295325,null,null,null,1996.3450530000064,69275.146720999997]
["Risk/earnings ratio",0.4947060071353821,0.46219399635022224,0.49532423509133594,1.0533410633385178,null,null,null,0,0.59182067459442755]
["Cost/income ratio",0.53892137209381463,0.52669751972807288,0.4420808202821544,0.43383199651967319,null,null,null,0,0.52472248703716007]
["Average equity ",2586.5961400198139,2038.4290395659268,1046.0558437309344,741.72026567023022,null,null,null,-18.855773602290519,6393.9455153846156]
["Return on equity before tax",9.065826178732482E-2,0.12766430371077109,0.1460291818218564,-0.16945106911219257,null,null,null,0,5.74914109160794E-2]
["Return on equity after minorities",6.7197342976384702E-2,0.11600917015414144,0.1190776818036369,-0.14908801675534764,null,null,null,0,3.8680061159668828E-2]
["Average number of staff",13517,18282,9351,18670,null,null,null,366,60186]
["Business outlets",549,1204,215,1050,null,null,null,0,3018]
[]
[]
["RI Group Financial year 2008\nin € million","CE\n","SEE\n","Russia","CIS \nother",null,null,null,"Reconciliation\nConsolidation","Total\n"]
["Net interest income",1024.5384710000001,946.78920400000004,763.89380599999993,532.94502800000009,null,null,null,-36.156661000000078,3232.0098480000001]
["   hereof current income from associates",0.91900000000000004,-0.316,0,0,null,null,null,0,0.60299999999999998]
["Provisioning for impairment losses",-265.36525799999998,-159.17689100000001,-175.32180400000001,-180.96931599999999,null,null,null,0.53215799999995939,-780.30111099999999]
["Net interest income after provisioning",759.17321300000003,787.61231300000009,588.572002,351.97571200000004,null,null,null,-35.624503000000026,2451.7087370000004]
["Net fee and commission income",568.37926900000002,463.13566700000001,223.04624299999998,233.593615,null,null,null,8.2142080000000348,1496.3690020000001]
["Net trading income",55.713315999999999,57.077092999999998,101.97717,58.658335000000001,null,null,null,-105.783464,167.64245000000003]
["Net income from derivatives",-10.929058000000001,-4.9580280000000005,-7.3022099999999996,-1.120924,null,null,null,4.3896000000000006,-19.92062]
["Net income from financial investments",1.7529400000000002,-18.922636999999998,5.3831580000000008,-13.836184999999999,null,null,null,-1.5320999999997411E-2,-25.638044999999998]
["General administrative expenses",-930.03469499999994,-772.70614899999998,-455.86987699999997,-396.65631500000001,null,null,null,-77.763353000000151,-2633.030389]
["   hereof staff expenses",-454.85299400000002,-344.41122899999999,-217.01536100000001,-208.03007300000002,null,null,null,-51.704781000000004,-1276.0144380000002]
["   hereof other administrative expenses",-389.49787599999996,-338.58931900000005,-211.97638800000001,-149.90631099999999,null,null,null,-23.5103189999999,-1113.480213]
["   hereof depreciation on intangible and tangible fixed assets",-85.683824999999999,-89.705601000000001,-26.878128,-38.719930999999995,null,null,null,-2.548253000000019,-243.53573800000001]
["Other net operating income",-10.160015,23.043583999999999,-17.839633999999997,-5.1502470000000002,null,null,null,-5.749938000000002,-15.856249999999999]
["Net income from disposal of group assets",7.8602380000000007,0,0,0,null,null,null,0,7.8602380000000007]
["Profit before tax",441.75520799999998,534.28184300000009,437.96685200000013,227.46399099999996,null,null,null,-212.33277100000004,1429.1351230000002]
["Income taxes",-90.69497100000001,-84.261904999999999,-125.21773899999999,-66.563581999999997,null,null,null,15.858230999999989,-350.87996600000002]
["Profit after tax",351.06023699999997,450.01993800000008,312.74911300000014,160.90040899999997,null,null,null,-196.47454000000002,1078.2551570000001]
["Minority interests in profit",-90.488196246599983,-21.456021921600016,13.7646097271,-10.880944298399996,null,null,null,12.791290739499978,-96.269261999999998]
["Profit after minorities",260.57204075339996,428.56391607840004,326.51372272710012,150.01946470159996,null,null,null,-183.68324926050005,981.98589500000014]
[]
["Share of profit before tax",0.26912205204544803,0.32549027912939493,0.26681414458417674,0.13857352424098032,null,null,null,0,1]
["Share of profit after tax",0.27539974774746301,0.35303165765973366,0.24534543577045109,0.12622315882235224,null,null,null,0,1]
["Risk-weighted assets (credit risk)",23532.545753999999,18939.237738,11102.812851000001,6960.1227230000013,null,null,null,-147.15656600000273,60387.5625]
["Total own funds requirement",2400.9562601615498,1704.4132722813799,969.47197238418994,624.35068147853019,null,null,null,67.622833211161094,5766.8150195168109]
["Total assets",36316.186290999998,25239.486015999999,14952.380732000001,8027.6677290000007,null,null,null,861.26373699999135,85396.984505]
["Liabilities",33909.678812999999,22487.774136,13381.114866,7046.5159129999993,null,null,null,2053.6955670000043,78878.779295]
["Risk/earnings ratio",0.25900955943703158,0.16812284120637269,0.22951070243394539,0.33956469521655802,null,null,null,0,0.24142906355401675]
["Cost/income ratio",0.56762351712507308,0.51857887836862282,0.42561797892540154,0.48369964784360564,null,null,null,0,0.53953715950652115]
["Average equity ",2605.5200983531277,2070.9980809782742,1204.2700228222825,760.23505843067505,null,null,null,-161.24455427666661,6479.7787063076921]
["Return on equity before tax",0.1695458838637324,0.25798278033537442,0.36367828119942508,0.29920218553133476,null,null,null,0,0.22055307561797122]
["Return on equity after minorities",0.13385806793326954,0.23317477284643839,0.2720488564464667,0.21605005204439373,null,null,null,0,0.17381638803370147]
["Average number of staff",13265,18261,9654,20011,null,null,null,263,61454]
["Business outlets",572,1184,237,1238,null,null,null,0,3231]
[]
["Share in assets 31.12.2009",0.44759007539058249,0.31352277027966613,0.15535348217343306,8.3533672156318378E-2,null,null,null,null,1]
["Share in assets 31.12.2008",0.42959574912321635,0.2985659291326952,0.17687648009810364,9.4961841645984743E-2,null,null,null,null,1]
[]
[]
["RI Group Financial year 2007\nin € million","CE\n","SEE\n","Russia","CIS \nother",null,null,null,"Reconciliation\nConsolidation","Total\n"]
["Net interest income",821.02937325000005,732.02620556916008,547.26455099999998,374.11908500000004,null,null,null,-55.590727819160165,2418.8484870000002]
["   hereof current income from associates",1.8126132500000001,-2.5039464308400001,0,0,null,null,null,4.1018084000006636E-4,-0.69092299999999995]
["Provisioning for impairment losses",-122.30585000000001,-58.780298000000002,-119.972712,-55.916764000000001,null,null,null,-4.9899999998888236E-4,-356.97612300000003]
["Net interest income after provisioning",698.72352325000008,673.24590756916007,427.29183899999998,318.20232099999998,null,null,null,-55.591226819160333,2061.8723639999998]
["Net fee and commission income",470.78041899999999,384.81940200000003,195.36835200000002,197.48171199999999,null,null,null,1.3846639999999897,1249.8345490000002]
["Net trading income",56.014840999999997,47.551271999999997,42.786311000000005,4.4997550000000004,null,null,null,-22.96095,127.89122900000001]
["Net income from derivatives",0.71421500000000016,-0.28376600000000002,-30.600339999999999,0,null,null,null,-2.4000000001251465E-5,-30.169915]
["Net income from financial investments",-6.590643,0.10412399999999999,-3.2784400000000002,0.52415099999999992,null,null,null,-1.8979999999992286E-3,-9.2427060000000001]
["General administrative expenses",-790.94104400000003,-646.71642599999996,-364.70853600000004,-326.67050300000005,null,null,null,-54.9833,-2184.0198089999999]
["   hereof staff expenses",-397.18863500000003,-289.69151199999999,-183.429182,-173.774722,null,null,null,-40.762729000000093,-1084.8467800000001]
["   hereof other administrative expenses",-312.23910999999998,-283.06288799999999,-156.61796799999999,-112.55508500000001,null,null,null,-12.140088000000047,-876.615139]
["   hereof depreciation on intangible and tangible fixed assets",-81.513299000000004,-73.962025999999994,-24.661386,-40.340696000000001,null,null,null,-2.0804830000000036,-222.55789000000001]
["Other net operating income",0.18247999999999956,16.903524000000001,-7.5827939999999998,-13.499473999999999,null,null,null,-1.0818859999999912,-5.0781499999999982]
["Net income from disposal of group assets",23.805388999999998,0,2.7111740000000002,0,null,null,null,0,26.516562999999998]
["Profit before tax",452.68918025000028,475.6240375691599,261.98756600000007,180.53796199999999,null,null,null,-133.23462081915969,1237.6041250000005]
["Income taxes",-87.519020999999995,-67.347611000000001,-63.006422000000001,-53.042524,null,null,null,6.7665499999999632,-264.14902799999999]
["Profit after tax",365.17015925000027,408.27642656915987,198.98114400000006,127.49543799999999,null,null,null,-126.46807081915979,973.45509700000048]
["Minority interests in profit",-91.061625914279787,-25.957641775461003,-0.64637187500000004,-15.035386832069998,null,null,null,0.5035723968107686,-132.19745399999999]
["Profit after minorities",274.10853333572049,382.3187847936988,198.33477212500006,112.46005116792999,null,null,null,-125.96449842234888,841.25764300000048]
[]
["Share of profit before tax",0.3302278853954414,0.34695841434285207,0.1911147950836817,0.13169890517802477,null,null,null,0,1]
["Share of profit after tax",0.33199606111946023,0.371186314202889,0.18090458481252283,0.11591303986512781,null,null,null,0,1]
["Risk-weighted assets (credit risk)",20774.82028,16278.479479999996,9376.0284900000006,5967.8193899999987,null,null,null,-2594.8378219309179,49802.309818069087]
["Total own funds requirement",1742.9116224000002,1324.0093583999999,800.81827920000001,477.42555119999986,null,null,null,-28.045345754472656,4317.1194654455267]
["Total assets",28962.369817999999,22605.026159000001,12171.400863000001,7365.5248609999999,null,null,null,1638.4828080000011,72742.804508999994]
["Liabilities",26910.044852000003,20487.099550999999,11012.594242000001,6392.4947480000001,null,null,null,1318.4334440000016,66120.666836999997]
["Risk/earnings ratio",0.14896647304573155,8.0298078884071561E-2,0.21922251638769127,0.14946247396066414,null,null,null,0,0.14758101837240042]
["Cost/income ratio",0.58674842011261175,0.54746144507021466,0.46887562297481528,0.58064322265660506,null,null,null,0,0.57603113461188393]
["Average equity ",2006.5516501743018,1572.2691904279859,905.59076733879544,576.40632667589523,null,null,null,0,4810.1935709230765]
["Return on equity before tax",0.22560554581820846,0.30250801864259053,0.28930017337730485,0.31321301249615502,null,null,null,0,0.25728780074073071]
["Average number of staff",12079,15043,8516,19681,null,null,null,231,55550]
["Business outlets",532,973,240,1270,null,null,null,0,3015]
[]
[]
["Back to Contents"]

{"sheet":"Segment comparison","index":7,"n_rows":248,"n_cols":29,"rows_kept":248,"cut":false,"hidden":false,"merged":[[0,25,6,25],[0,11,6,11]]}
["Segment Comparison",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["Central Europe (CE)"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",1042.9433677300001,1102.442,-59.498632269999916,-5.396985262716758E-2,null,269.39677359000012,265.18507822800001,4.2116953620001141,1.5882097854612365E-2,null,null,269.39677359000012,265.18507822800001,258.87636624299995,249.48514966900001,254.27241107599991,278.99455046600019,281.93154587299989,287.24349258500001,296.57818077899992,275.13013699999999,278.54591800000009,260.77132799999998,null,null,1102.442,1111.0260000000001,983.54600000000005]
["Net fee and commission income ",495.78427336500005,490.57600000000002,5.208273365000025,1.0616649336698147E-2,null,132.62289150600003,128.763813089,3.8590784170000347,2.9970209210352428E-2,null,null,132.62289150600003,128.763813089,122.72890332100002,111.668665449,122.57245655400006,124.92504357199998,124.25051839999999,118.827981474,128.46146730900006,118.67317199999998,118.829593,107.44904700000001,null,null,490.57600000000002,473.41300000000001,436.37299999999999]
["Net trading income",7.8864060920000005,76.67,-68.783593908,-0.89713830583018128,null,0.42968016700000078,-11.204946254999999,11.634626422,"–",null,null,0.42968016700000078,-11.204946254999999,6.5375907689999995,12.124081411000001,46.321331919000002,4.5830368400000037,13.561346346999999,12.204284893999999,26.863003504000009,-13.671479999999999,24.909140000000001,3.761466,null,null,76.67,41.862000000000002,89.387]
["Other net operating income",-17.848111314000001,-1.7310000000000001,-16.117111313999999,">500,0%",null,9.205208236999999,-7.8990378869999969,17.104246123999996,"–",null,null,9.205208236999999,-7.8990378869999969,-11.885941191000002,-7.2683404730000003,27.125419979,-12.028840008,-11.413849532999997,-5.4137304380000009,-13.321889307795804,-17.378080795929996,-24.3995345959096,-2.6770162183646047,null,null,-1.7310000000000001,-57.777000000000001,-22.241]
["Operating income",1528.765935873,1667.9570000000001,-139.19106412700012,-8.3450031461842267E-2,null,411.65455349999996,374.84490717499995,36.809646325000017,9.8199670371445391E-2,null,null,411.65455349999996,374.84490717499995,376.25691914199996,366.00955605600001,450.29161952800007,396.47379087000002,408.32956108699989,412.86202851500002,438.58076228420418,362.75374820406995,397.88511640409047,369.30482478163543,null,null,1667.9570000000001,1568.5239999999999,1487.0650000000001]
["General administrative expenses",-1036.922751502,-938.37,-98.552751501999978,0.10502547129810202,null,-313.70705524100015,-263.59569304899981,-50.111362192000342,0.19010690809233033,null,null,-313.70705524100015,-263.59569304899981,-237.58369986900001,-222.03630334300001,-230.09546038999983,-238.07332303200016,-233.80183011700004,-236.39938646099998,-246.14184708499999,-212.46035200000003,-208.98723399999997,-215.757453,null,null,-938.37,-883.34699999999998,-804.91300000000001]
["Operating result",491.84318437099995,729.58699999999999,-237.74381562900004,-0.32586081663872857,null,97.947498258999786,111.2492141260002,-13.301715867000411,-0.11956682994573753,null,null,97.947498258999786,111.2492141260002,138.67321927299994,143.97325271299999,220.1961591380001,158.40046783799994,174.52773096999994,176.46264205400001,192.43891519920419,150.29339620406992,188.89788240409052,153.54737178163541,null,null,729.58699999999999,685.178,682.15200000000004]
["Net provisioning for impairment losses",-517.22046110100007,-646.14700000000005,128.92653889899998,-0.19953128142512455,null,-224.26039950600006,-94.00754303299999,-130.25285647300007,1.3855575017770296,null,null,-224.26039950600006,-94.00754303299999,-123.63094794000003,-75.321570621999996,-161.90657512299998,-307.07257862900008,-98.403109281999974,-78.764736966000015,-102.79608992300001,-107.62760899999998,-86.645348999999996,-111.14232700000001,null,null,-646.14700000000005,-408.21100000000001,-487.34100000000001]
["Other results",78.370089447000012,-50.487000000000002,128.85708944700002,"–",null,27.360035331000017,23.501630029999991,3.8584053010000261,0.16417607187564198,null,null,27.360035331000017,23.501630029999991,8.7633829869999964,18.745041099000002,-38.264228809999999,-1.5523120040000009,-7.9033614389999993,-2.7670977469999998,-14.180217979204201,23.356255795929989,-34.909478404090393,17.909656218364606,null,null,-50.487000000000002,-7.8239999999999998,35.777000000000001]
["Profit/loss before tax",52.992812716999964,32.953000000000003,20.039812716999961,0.608133181106423,null,-98.952865916000064,40.74330112300008,-139.69616703900016,"–",null,null,-98.952865916000064,40.74330112300008,23.805654319999945,87.396723190000003,20.025355205000153,-150.22442279500012,68.221260248999997,94.930807340999976,75.462607296999977,66.022042999999954,67.343055000000106,60.314700999999978,null,null,32.953000000000003,269.14299999999997,230.58799999999999]
["Income taxes  ",-67.654355124999995,-65.676000000000002,-1.9783551249999931,3.0122953971009059E-2,null,-7.073108531999992,-12.134305747000006,5.0611972150000142,-0.41709821068677999,null,null,-7.073108531999992,-12.134305747000006,-23.736434527999997,-24.710506318,-10.840626872000001,-18.742456931999996,-16.933739855000006,-19.159176340999998,-21.228401101999989,-13.068051000000002,-17.118088,-13.889996,null,null,-65.676000000000002,-65.305000000000007,-50.786000000000001]
["Profit/loss after tax",-14.661542408000038,-32.722999999999999,18.061457591999961,-0.55194993099654566,null,-106.02597444800008,28.608995376000074,-134.63496982400017,"–",null,null,-106.02597444800008,28.608995376000074,6.9219791999948654E-2,62.686216872000003,9.1847283330001375,-168.96687972700011,51.287520393999969,75.771630999999985,54.234206195000013,52.953991999999921,50.224967000000113,46.424704999999982,null,null,-32.722999999999999,203.83799999999999,179.80199999999999]
["Profit attributable to non-controlling interests",1.8877485505380878,21.818999999999999,-19.931251449461911,-0.91348143587982544,null,21.355900677807259,-4.4648573359167578,25.820758013724017,"–",null,null,21.355900677807259,-4.4648573359167578,4.5172069982981107,-19.520501789650524,15.817785956513024,49.604374170624688,-15.443889924718086,-28.159270202419627,-11.239371927190936,-10.209825527429384,-16.130302544205765,-16.813608778147394,null,null,21.818999999999999,-54.393000000000001,-27.181999999999999]
["Consolidated profit/loss",-12.77379385746195,-10.904,-1.8697938574619499,0.17147779323752288,null,-84.670073770192801,24.144138040083305,-108.81421181027611,"–",null,null,-84.670073770192801,24.144138040083305,4.5864267902980629,43.165715082349479,25.002514289513158,-119.3625055563754,35.843630469281891,47.612360797580351,42.994834267809082,42.744166472570534,34.094664455794351,29.611096221852584,null,null,-10.904,149.44499999999999,152.62]
[]
["Share of profit before tax",4.27334709729974E-2,2.1985365115459638E-2,2.0748105857537764,0.94372350645876413,null,4.27334709729974E-2,9.1446679147525051E-2,4.8713208174527649,-0.5326952124302049,null,null,4.27334709729974E-2,9.1446679147525051E-2,7.7991150805242174E-2,0.10633144261688285,1.1883834563678579E-2,-0.21863017833223225,6.6362116339456975E-2,0.20709817230534536,null,null,null,null,null,null,2.1985365115459638E-2,0.16997253543691451,0.23727941801986438]
["Risk-weighted assets (credit risk)",21957.833809843392,21510.076405365799,447.75740447759381,2.081616987496604E-2,null,21957.833809843392,21438.84949251678,518.98431732661265,2.4207657109014402E-2,null,null,21957.833809843392,21438.84949251678,22296.026478264997,20352.893650408052,21510.076405365799,23861.530171193852,23736,23151.234063200001,22885.702569600002,22481.981630000002,21636.210976780476,21668.305703000002,null,null,21510.076405365799,22885.702000000001,21140.014999999999]
["Own funds requirement",2044.7270917874714,1965.168215125894,79.558876661577415,4.0484512241350634E-2,null,2044.7270917874714,1916.0984825490523,128.62860923841913,6.7130479153294953E-2,null,null,2044.7270917874714,1916.0984825490523,2036.1951274079699,1882.2517227547839,1965.168215125894,2152.8012076393984,2177,2129.8085110984098,2099.4943003473504,2055.66472913182,1968.7494588701979,1984.9057524748803,null,null,1965.168215125894,2099.4949999999999,1954.49]
["Total assets",40787.142996056013,34851.818697969989,5935.3242980860232,0.1703017093461392,null,40787.142996056013,41600.871418071991,-813.72842201597814,-1.9560369633566888E-2,null,null,40787.142996056013,41600.871418071991,41449.925404327027,36023.545259990991,34851.818697969989,35608.07537389802,35541,34392.615916735995,33928.326074152996,33470.858726999999,33597.596319999997,33845.065913000006,null,null,34851.818697969989,33928.326000000001,33756.860999999997]
["Liabilities",37075.826507455211,31798.429847298012,5277.3966601571992,0.16596406443652234,null,37075.826507455211,37704.732634030013,-628.90612657480233,-1.6679766242585381E-2,null,null,37075.826507455211,37704.732634030013,37695.852205875024,31798.429847298012,31797.512200250996,32884.039850009991,32652,31484.873924355008,31087.479924343999,30735.774615999999,30989.372668,31068.946871000004,null,null,31798.429847298012,31087.48,31116.266]
["Net interest margin (avg. assets)",2.6781512806325337E-2,3.162076447151399E-2,-0.48392516651886536,-0.15304031215147129,null,2.6158831524776119E-2,2.5544374129976209E-2,6.1445739479991032E-2,2.405450968081646E-2,null,null,2.6158831524776119E-2,2.5544374129976209E-2,2.6731872371090846E-2,2.8160436658016139E-2,2.8870076052926737E-2,3.1369828515576258E-2,3.2300000000000002E-2,3.3634605637996702E-2,3.52025837290455E-2,3.2817829103973871E-2,3.3040916094051367E-2,3.0859632587107104E-2,null,null,3.162076447151399E-2,3.2948816076747128E-2,2.8969584703244608E-2]
["Net interest margin (avg. interest bearing assets)",2.8545318814533874E-2,3.3552506057077151E-2,-0.50071872425432773,-0.14923437414854812,null,2.806838576917705E-2,2.7310231312973568E-2,7.5815445620348171E-2,2.7760821485364851E-2]
["NPL Ratio",0.11515540184561396,9.7620944663874817E-2,1.753445718173914,0.17961777815317403,null,0.11515540184561396,0.111552915403051,0.36024864425629605,3.2293969454288529E-2,null,null,0.11515540184561396,0.111552915403051,0.10981445038932121,0.10001210794286419,9.7620944663874817E-2,9.1068304765879737E-2,8.72E-2,8.5000000000000006E-2,9.0625011068636588E-2,8.8119372365445467E-2,7.9755583112952291E-2,7.62830915158626E-2,null,null,9.7620944663874817E-2,9.0625011068636588E-2,7.0016536088461798E-2]
["NPL Coverage Ratio",0.64029137200724373,0.60730856485733209,3.2982807149911642,5.4309800747927683E-2,null,0.64029137200724373,0.61763181169914083,2.26595603081029,3.6687812834259814E-2,null,null,0.64029137200724373,0.61763181169914083,0.61865298712065375,0.60752407617611803,0.60730856485733209,0.63347148534439468,0.58699999999999997,0.57599999999999996,0.53327598052618808,0.5451873476232566,0.56497117933282781,0.57812202536017088,null,null,0.60730856485733209,0.53327598052618808,0.57812202536017088]
["Cost/income ratio",0.67827436965349863,0.56258639907753771,11.568797057596091,0.20563591790639135,null,0.76206385323270831,0.70321268344173526,5.8851169790973046,8.3689005014724094E-2,null,null,0.76206385323270831,0.70321268344173526,0.63144008198115165,0.60664072745966258,0.51099189779177501,0.60047682473432895,0.57299999999999995,0.57258689376519201,0.56122353794783619,0.5856875443792211,0.52524516596331638,0.5842259253655141,null,null,0.56258639907753771,0.56317061882092578,0.54127602601933111]
["Provisioning ratio (avg. loans and advances to customers)",1.8244756694875582E-2,1.3791334905633917E-2,0.44534217892416639,0.32291448360248221,null,"–","–","–","–",null,null,"–","–","–"]
["Average equity ",3038.2378207865281,2739.6332834259324,298.60453736059571,0.10899434576411204,null,3038.2378207865281,2947.770459769009,90.467361017519124,3.0690096889229412E-2,null,null,3038.2378207865281,2947.770459769009,2969.279760859979,2892.4905896177102,2739.6332834259324,2774.3202733314438,2881,2900.0733894882387,2583.3869663775604,2593.5070786311262,2563.5629475677028,2563.5786697003264,null,null,2739.6332834259324,2583.3870000000002,2273.6770000000001]
["Return on equity before tax",1.7441956766663307E-2,1.2028207889120146E-2,0.54137488775431608,0.45008773771195365,null,"–",5.5068446458978591E-2,"–","–",null,null,"–",5.5068446458978591E-2,3.260455321802648E-2,0.12086016598111167,2.9043228683836804E-2,"–",9.4401698503882428E-2,0.13100000000000001,0.11661448990984453,0.10241791197652354,0.10507695714616676,9.9750270979001909E-2,null,null,1.2028207889120146E-2,0.10418199433528651,0.10141634722516092]
["Business outlets",853,552,301,0.54528985507246386,null,853,848,5,5.8962264150943522E-3,null,null,853,848,877,552,552,561,556,548,555,551,554,554,null,null,552,555,549]
["indicative loans and advances to customers",29933.602408173007,25380.886023293002,4552.7163848800046,0.17937578619996963,null,29933.602408173007,30289.758394560995,-356.15598638798838,-1.1758297367335246E-2,null,null,29933.602408173007,30289.758394560995,30288.901016285996,25851.811997373999,25380.886023293002,25942.068275823993,26396,25465.297473758998,25216.960848360002,null,null,null,null,null,25380.886023293002,25465.297473758998]
["indicative deposits from customers",26874.921067642001,22644.133917149997,4230.787150492004,0.18683810853493199,null,26874.921067642001,26923.423734911012,-48.502667269010999,-1.801504435192558E-3,null,null,26874.921067642001,26923.423734911012,26832.700007289994,23799.119376042989,22644.133917149997,22424.275383177006,22112,21021.609400540994,20978.747903379,null,null,null,null,null,22644.133917149997,21021.609400540994]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
["Southeastern Europe (SEE)"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",868.65383826100003,919.08399999999995,-50.430161738999914,-5.4870024653894456E-2,null,214.56384043599994,203.26809886300001,11.29574157299993,5.5570655878535602E-2,null,null,214.56384043599994,203.26809886300001,222.39199917300002,228.42989978900002,229.70633453799985,234.49067920800007,233.557347225,221.32963902900002,224.47253899000003,228.55672600000003,222.33228999999997,222.336082,null,null,919.08399999999995,897.69799999999998,895.73599999999999]
["Net fee and commission income ",319.47892040699998,364.93700000000001,-45.458079593000036,-0.12456418393585755,null,78.38366079299999,89.203440628999971,-10.819779835999981,-0.12129330169000763,null,null,78.38366079299999,89.203440628999971,77.380246080000006,74.511572905000008,92.478725991999951,93.44411305000007,91.742892971999979,87.271267986000012,100.37044291200003,101.38179500000001,95.835812000000004,90.038668999999999,null,null,364.93700000000001,387.62700000000001,398.04300000000001]
["Net trading income",53.118484977000001,41.448,11.670484977000001,0.28156931521424444,null,10.214105091,16.004647559000002,-5.7905424680000017,-0.36180381021535002,null,null,10.214105091,16.004647559000002,9.8216314629999992,17.078100864,15.099580468000001,-0.16169091399999758,12.355820840999998,14.154289605000001,11.754817681999997,19.769884000000001,10.663008999999999,14.040753,null,null,41.448,56.228000000000002,87.866]
["Other net operating income",39.716447076999998,40.097999999999999,-0.38155292300000099,-9.5155100753154809E-3,null,12.933078711000002,9.8205640179999971,3.1125146930000049,0.31693848614958497,null,null,12.933078711000002,9.8205640179999971,6.9859905140000027,9.9768138339999997,12.295689978000002,10.518742727999996,10.254644487,7.0289228069999998,8.6029790346300796,12.064402886222299,11.35117694390909,5.2268437202385281,null,null,40.097999999999999,37.244999999999997,25.472999999999999]
["Operating income",1280.9676907219998,1365.567,-84.599309278000192,-6.1951782137383393E-2,null,316.09468503099981,318.29675106899992,-2.2020660380001118,-6.9182799717699694E-3,null,null,316.09468503099981,318.29675106899992,316.5798672300001,329.99638739199997,349.58033097599986,338.29184407200017,347.91070552499997,329.78411942700001,345.20077861863007,361.77280788622238,340.18228794390905,331.64234772023855,null,null,1365.567,1378.798,1407.1179999999999]
["General administrative expenses",-701.64627580999991,-746.46500000000003,44.818724190000125,-6.0041293550267105E-2,null,-185.40547408799992,-174.40158568600006,-11.003888401999859,6.3095116702732934E-2,null,null,-185.40547408799992,-174.40158568600006,-164.96128314599994,-176.87793289000004,-191.99197767100009,-182.86800124299998,-189.49320602199998,-182.11181506399998,-195.08597934100001,-185.79979999999995,-178.77544700000001,-178.239937,null,null,-746.46500000000003,-737.90099999999995,-741.44399999999996]
["Operating result",579.32141491199991,619.10199999999998,-39.780585088000066,-6.4255300561135487E-2,null,130.68921094299986,143.89516538300001,-13.205954440000141,-9.1774830689067111E-2,null,null,130.68921094299986,143.89516538300001,151.61858408400013,153.11845450199991,157.5883533049998,155.42384282900022,158.41749950299996,147.67230436299999,150.11479927763008,175.9730078862224,161.40684094390906,153.40241072023855,null,null,619.10199999999998,640.89800000000002,665.67399999999998]
["Net provisioning for impairment losses",-287.40636551299997,-257.87200000000001,-29.534365512999955,0.11453110656837473,null,-87.48198702499991,-72.108759312000046,-15.373227712999864,0.21319501069881142,null,null,-87.48198702499991,-72.108759312000046,-67.484110834999996,-60.331508341000003,-64.347701881000035,-69.673264900999996,-63.573259569000001,-60.277773648999997,-108.763283895,-87.396100000000004,-70.587671999999998,-68.571706000000006,null,null,-257.87200000000001,-335.31900000000002,-413.95699999999999]
["Other results",10.778800535999999,-9.9670000000000005,20.745800535999997,"–",null,-2.0119933940000028,0.51080261300000096,-2.5227960070000037,"–",null,null,-2.0119933940000028,0.51080261300000096,-9.1730379919999976,21.453029308999998,-2.3063876800000003,-14.046693415,1.0763630260000001,5.3097180689999997,0.57334463436991701,5.6226071137776978,-19.515883943909088,12.435103279761472,null,null,-9.9670000000000005,-0.88500000000000001,8.6430000000000007]
["Profit/loss before tax",302.693849935,351.26299999999998,-48.569150064999974,-0.13827004285962363,null,41.195230523999953,72.297208683999983,-31.10197816000003,-0.43019611304693672,null,null,41.195230523999953,72.297208683999983,74.961435257000076,114.23997547,90.934263743999722,71.703884513000233,95.920602960000039,92.704248782999983,41.924860017000128,94.199514999999906,71.30328499999996,97.265808000000007,null,null,351.26299999999998,304.69400000000002,260.36]
["Income taxes  ",-35.935605302000006,-46.552,10.616394697999993,-0.22805453467090553,null,-4.2689476630000129,-7.3429850409999933,3.0740373779999803,-0.41863593086951834,null,null,-4.2689476630000129,-7.3429850409999933,-9.2205066870000021,-15.103165911,-15.188379159,-7.566201405000001,-11.296817016999999,-12.500602419,-4.5507181239999994,-10.954511999999999,-10.536690999999999,-13.115270000000001,null,null,-46.552,-39.156999999999996,-34.517000000000003]
["Profit/loss after tax",266.758244633,304.70999999999998,-37.951755366999976,-0.12455040978963594,null,36.926282860999947,64.954223643000006,-28.027940782000059,-0.43150297563475803,null,null,36.926282860999947,64.954223643000006,65.740928570000051,99.136809559,75.744884584999738,64.137683108000203,84.623785943000058,80.203646363999979,37.374141893000107,83.24500299999994,60.766593999999955,84.150537999999997,null,null,304.70999999999998,265.536,225.84299999999999]
["Profit attributable to non-controlling interests",-15.534385451861974,-15.936999999999999,0.40261454813802544,-2.5262881855934283E-2,null,-0.85915231645573975,-4.8231371132191967,3.9639847967634569,-0.82186856888206949,null,null,-0.85915231645573975,-4.8231371132191967,-1.7442060945070086,-8.1078899276800289,-3.5017132775553286,-0.10031297372326797,-4.9616382747331844,-7.3733354739882184,-0.81186065675528885,-6.6113537948431311,-4.4515655587312173,-5.3372687099818963,null,null,-15.936999999999999,-17.212,-16.003]
["Consolidated profit/loss",251.22385918113801,288.77300000000002,-37.549140818862014,-0.13002995715964449,null,36.06713054454417,60.131086529780816,-24.063955985236646,-0.40019160427641054,null,null,36.06713054454417,60.131086529780816,63.996722475493044,91.02891963131998,72.243171307444442,64.037370134276955,79.662147668266869,72.830310890011759,36.5622812362448,76.6336492051568,56.315028441268744,78.813269290018098,null,null,288.77300000000002,248.32400000000001,209.84]
[]
["Share of profit before tax",0.24409270213642739,0.23435407343335052,0.97386287030768737,4.1555192791844053E-2,null,0.24409270213642739,0.15737979889876874,8.6712903237658647,0.55097861253104607,null,null,0.24409270213642739,0.15737979889876874,0.13269532618803118,0.13899035287437769,0.11766172737202039,9.2779325057785106E-2,0.12411390069321952,0.20224077963368872,null,null,null,null,null,null,0.23435407343335052,0.19242423370758568,0.26791515891037854]
["Risk-weighted assets (credit risk)",13168.810644280096,16324.785971088128,-3155.9753268080312,-0.19332414724440461,null,13168.810644280096,13150.127660446984,18.682983833112303,1.4207454342292092E-3,null,null,13168.810644280096,13150.127660446984,13306.0688132,14012.15507412608,16324.785971088128,16514.574766551472,16484.874834599999,16268.705259200002,16698.003895399997,15818.033210000001,15925.46344573555,16338.779726000001,null,null,16324.785971088128,16698.004000000001,16288.383]
["Own funds requirement",1269.4519625424077,1524.0200250564103,-254.56806251400258,-0.16703721626267998,null,1269.4519625424077,1261.2903514839386,8.1616110584691342,6.4708423788915059E-3,null,null,1269.4519625424077,1261.2903514839386,1281.8468046502499,1336.3226750575466,1524.0200250564103,1549.768054361318,1550.78970736934,1529.7999850206002,1562.6513729837498,1473.3811353610599,1486.4870850164641,1522.0682823207799,null,null,1524.0200250564103,1562.652,1518.693]
["Total assets",21345.863872337985,22827.461345381005,-1481.5974730430207,-6.4904171805456268E-2,null,21345.863872337985,21866.15272508399,-520.28885274600543,-2.3794256780670486E-2,null,null,21345.863872337985,21866.15272508399,22291.659194527998,23096.956370304,22827.461345381005,22630.217950363993,22471.27129197101,22247.427664522998,22696.523781215004,22435.427877999999,22988.936197999999,23300.492225999998,null,null,22827.461345381005,22696.524000000001,23596.463]
["Liabilities",18408.608916492973,19829.743216712999,-1421.1343002200265,-7.1666802978177735E-2,null,18408.608916492973,18938.729577083977,-530.12066059100471,-2.7991352769113687E-2,null,null,18408.608916492973,18938.729577083977,19378.688035731022,19829.743216712999,19829.847656192982,19695.100386676993,19571.907579437997,19309.538886907012,19850.739588421009,19618.204198000003,20241.817728000002,20495.647800000002,null,null,19829.743216712999,19850.740000000002,20831.373]
["Net interest margin (avg. assets)",3.8978224023974724E-2,4.0713216509335258E-2,-0.17349924853605342,-4.2614969636769251E-2,null,3.9722995098321938E-2,3.6825755629929076E-2,0.28972394683928621,7.8674270733448681E-2,null,null,3.9722995098321938E-2,3.6825755629929076E-2,3.9197846668020203E-2,3.979232158425075E-2,4.0425488991383721E-2,4.1593425520484645E-2,4.1782494155695113E-2,3.939656072229733E-2,3.9789555866754533E-2,4.0252711186903885E-2,3.8424719867091874E-2,3.7927593672645574E-2,null,null,4.0713216509335258E-2,3.9024277200022134E-2,3.7027770259324536E-2]
["Net interest margin (avg. interest bearing assets)",4.2104441189997392E-2,4.413592336298508E-2,-0.20314821729876878,-4.6027861619213462E-2,null,4.2720043302451258E-2,3.9440229858855536E-2,0.32798134435957221,8.3159085414389544E-2]
["NPL Ratio",0.12465360990002901,0.11264406676722158,1.200954313280743,0.10661496408528204,null,0.12465360990002901,0.12546911828348839,-8.1550838345938181E-2,-6.4996741398691826E-3,null,null,0.12465360990002901,0.12546911828348839,0.12300114838768791,0.11988989751138326,0.11264406676722158,0.10328770422225896,0.1,9.0999999999999998E-2,8.9984954164714123E-2,8.0925747077864249E-2,7.456138848829208E-2,7.0396602862758076E-2,null,null,0.11264406676722158,8.992568195659835E-2,6.4799999999999996E-2]
["NPL Coverage Ratio",0.61975739028694588,0.58582149261486982,3.3935897672076054,5.792873443512625E-2,null,0.61975739028694588,0.59798184006977417,2.1775550217171702,3.6415069418547663E-2,null,null,0.61975739028694588,0.59798184006977417,0.58095275874764751,0.56911471338156083,0.58582149261486982,0.62901940421432045,0.62480000000000002,0.63,0.68203064787885537,0.66676611419694332,0.66929440461269796,0.67778487300602397,null,null,0.58582149261486982,0.68203064787885537,0.67778487300602397]
["Cost/income ratio",0.54774705161730242,0.54663384315264052,0.11132084646618967,2.0364792239015994E-3,null,0.58655043209542401,0.54792135043877155,3.8629081656652464,7.0501143322337256E-2,null,null,0.58655043209542401,0.54792135043877155,0.52107319580797318,0.5359996037771414,0.54920742761113539,0.54056284373228758,0.54500000000000004,0.55200000000000005,0.56513771527881318,0.51358144103089698,0.52552838091757847,0.53744625264309354,null,null,0.54663384315264052,0.53517704873465888,0.52692383185653591]
["Provisioning ratio (avg. loans and advances to customers)",1.9275420627996833E-2,1.6613671112250258E-2,0.26617495157465754,0.16021441003390913,null,"–","–","–","–",null,null,"–","–"]
["Average equity ",2059.4317716512969,2008.8326696136435,50.599102037653438,2.5188311004213704E-2,null,2059.4317716513001,2042.1542666295643,17.277505021735806,8.4604308812825657E-3,null,null,2059.4317716513001,2042.1542666295643,2090.4357823653063,2150.4058503472679,2008.8326696136435,2017.987076121801,2088,2120.5234743098035,1941.5970530748523,1954.1746766532526,1964.3875317960642,1978.788594661911,null,null,2008.8326696136435,1941.597,1766.711]
["Return on equity before tax",0.14697930472942713,0.17485917332803919,-2.787986859861205,-0.15944184150012464,null,8.0349283656057563E-2,0.13991038876722289,-5.9561105111165329,-0.42570895296603473,null,null,8.0349283656057563E-2,0.13991038876722289,0.14140860093198507,0.21249937624853737,0.18059023438925034,0.13969927899361209,0.18232366650217327,0.17499999999999999,8.609305252066432E-2,0.19231444594016489,0.14466162852137035,0.20774972423678792,null,null,0.17485917332803919,0.15692930082195253,0.14736982741104945]
["Business outlets",1129,1161,-32,-2.7562446167097354E-2,null,1129,1135,-6,-5.2863436123348206E-3,null,null,1129,1135,1145,1147,1161,1153,1154,1156,1167,1171,1173,1179,null,null,1161,1167,1204]
["indicative loans and advances to customers",14499.947931307999,15321.103033029,-821.15510172100039,-5.3596343549858427E-2,null,14499.947931307999,14785.681691079,-285.73375977100113,-1.9325031184960539E-2,null,null,14499.947931307999,14785.681691079,14789.576917332999,15156.244051568001,15321.103033029,15137.586296191999,15126,14822.146492493996,14780.848252466003,null,null,null,null,null,15321.103033029,14822.146492493999]
["indicative deposits from customers",14193.563708826001,14543.738302092997,-350.17459326699645,-2.407734421463037E-2,null,14193.563708826001,14474.699432918002,-281.1357240920006,-1.9422560405824352E-2,null,null,14193.563708826001,14474.699432918002,14037.564705153001,14143.500016968002,14543.738302092997,14151.950054263003,13515,13305.151898690998,13644.273084940001,null,null,null,null,null,14543.738302092997,13305.151898690998]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
["Russia (RU)"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",748.68000351400008,590.101,158.57900351400008,0.268731968788394,null,197.82328673300006,188.84829704300009,8.9749896899999726,4.7524864298651215E-2,null,null,197.82328673300006,188.84829704300009,177.74519278599999,184.263226952,158.56068747500009,152.53549463699991,143.088404193,135.91641369499999,125.91598607199997,124.81867000000001,137.272786,119.156696,null,null,590.101,507.16399999999999,650.51599999999996]
["Net fee and commission income ",285.13364926700001,237.69200000000001,47.441649267000003,0.19959295755431405,null,74.150053959000019,76.25355940099999,-2.103505441999971,-2.7585668898918114E-2,null,null,74.150053959000019,76.25355940099999,71.325128655000015,63.404907251999994,63.924446555000003,64.292676625000013,57.397971769999998,52.076905049999993,58.647156320999997,52.855190999999998,55.421885000000003,47.151608000000003,null,null,237.69200000000001,214.07599999999999,206.911]
["Net trading income",69.312842982999996,38.155000000000001,31.157842982999995,0.8166123177303104,null,4.5925439039999958,8.7139065630000019,-4.1213626590000061,-0.47296383421181809,null,null,4.5925439039999958,8.7139065630000019,14.670470246999997,41.335922269000001,0.69080099800000383,-22.259060385000012,28.080477491000007,31.642781895999999,15.717657506000004,17.602958999999995,7.2686470000000041,33.791593999999996,null,null,38.155000000000001,74.381,-13.339]
["Other net operating income",-4.8566846469999998,-12.595000000000001,7.7383153530000008,-0.61439582000793969,null,-12.483906102000001,5.3176171540000006,-17.801523256000003,"–",null,null,-12.483906102000001,5.3176171540000006,2.4962270209999997,-0.18662272000000002,-9.7321581319999986,-2.0936176590000004,0.83311431199999975,-1.6023385209999998,-14.333192559845324,-4.5559432979730481,-6.2681581086266211,-3.2328902935550072,null,null,-12.595000000000001,-28.39,-18.472000000000001]
["Operating income",1098.2698111170002,853.35299999999995,244.91681111700029,0.28700527345307303,null,264.08197849400011,279.13338016100016,-15.05140166700005,-5.3921898048591044E-2,null,null,264.08197849400011,279.13338016100016,266.23701870899998,288.81743375299999,213.44377689599997,192.47549321799994,229.39996776599997,218.03376212000001,185.94760733915464,190.72087670202697,193.69515989137338,196.86700770644498,null,null,853.35299999999995,767.23099999999999,825.61699999999996]
["General administrative expenses",-510.96902203399998,-487.69499999999999,-23.274022033999984,4.7722494661622594E-2,null,-150.640410514,-122.315528282,-28.324882231999993,0.2315722511265832,null,null,-150.640410514,-122.315528282,-116.08925703799997,-121.92382620000001,-152.55942964599996,-113.23300985500002,-109.22848945700001,-112.67407104199999,-112.85241585000009,-103.23365099999999,-103.07208299999999,-95.785049999999998,null,null,-487.69499999999999,-414.94299999999998,-366.40300000000002]
["Operating result",587.30078908300027,365.65800000000002,221.64278908300025,0.60614779133233854,null,113.44156798000023,156.81785187900005,-43.376283898999816,-0.27660297204216755,null,null,113.44156798000023,156.81785187900005,150.14776167100001,166.89360755299998,60.884347250000076,79.242483362999963,120.17147830899998,105.359691078,73.095191489154544,87.487225702026961,90.623076891373387,101.08195770644497,null,null,365.65800000000002,352.28699999999998,459.214]
["Net provisioning for impairment losses",15.946202633999999,42.061999999999998,-26.115797365999999,-0.6208881500166421,null,2.4889070649999994,-1.3673850680000008,3.8562921330000002,"–",null,null,2.4889070649999994,-1.3673850680000008,14.25906414,0.56561649699999994,63.035031153999995,-16.690009599,-2.4923602059999994,-1.7906613490000001,5.6677230580000035,-16.083196999999998,-29.510203000000001,-37.003005999999999,null,null,42.061999999999998,-76.929000000000002,-322.149]
["Other results",-4.7199495249999996,25.989000000000001,-30.708949525000001,"–",null,-2.5365956719999998,-2.5452956399999991,8.6999679999992807E-3,-3.4180579510203479E-3,null,null,-2.5365956719999998,-2.5452956399999991,10.263688311999999,-9.9017465250000001,23.222613258000003,18.125115356000002,-6.1587795920000037,-9.1999490219999984,4.6261219008453249,-6.8908007020269508,0,-6,null,null,25.989000000000001,-8.4049999999999994,14.718999999999999]
["Profit/loss before tax",598.52704219200029,433.70800000000003,164.81904219200027,0.38002306204174285,null,113.39387937300029,152.90517117100001,-39.511291797999718,-0.25840389501158634,null,null,113.39387937300029,152.90517117100001,174.67051412299998,157.55747752500002,147.14099166200009,80.677589119999951,111.52033851099999,94.369080707000009,83.3890364479998,64.513227999999955,61,58,null,null,433.70800000000003,266.95400000000001,151.78399999999999]
["Income taxes  ",-125.663952962,-112.129,-13.534952961999991,0.12070876367398253,null,-23.069158171999987,-25.634427688999999,2.5652695170000115,-0.10007126151292212,null,null,-23.069158171999987,-25.634427688999999,-39.306930027,-37.653437074000003,-35.697070567000011,-26.648200341999996,-25.840064036999998,-23.943665054,-7.3866625890000011,-16.537478999999998,-15.161394999999999,-14.129531,null,null,-112.129,-53.215000000000003,-28.440999999999999]
["Profit/loss after tax",472.86308923000036,321.57900000000001,151.28408923000035,0.47044144434182678,null,90.32472120100033,127.270743482,-36.946022280999671,-0.29029469986733425,null,null,90.32472120100033,127.270743482,135.36358409600001,119.90404045100003,111.44392109500009,54.029388777999969,85.680274473999958,70.425415653000016,76.002373858999803,47.975748999999951,46,44,null,null,321.57900000000001,213.739,123.342]
["Profit attributable to non-controlling interests",-5.0300138288749991,0.16300000000000001,-5.1930138288749994,"–",null,-1.751242176249999,-8.9949454134687521,7.2437032372187531,-0.80530819301829859,null,null,-1.751242176249999,-8.9949454134687521,8.566302905968751,-2.8501291451249999,9.3516193125064317E-2,2.0877637053750071,-0.80747239850007069,-1.2108075000000007,-3.9392759820583136E-2,-8.562629556414969E-2,-5.0051125000000002E-2,-5.9219250000000001E-2,null,null,0.16300000000000001,-0.23400000000000001,-0.253]
["Consolidated profit/loss",467.83307540112537,321.74200000000002,146.09107540112535,0.45406280622711792,null,88.573479024750384,118.27579806853117,-29.70231904378079,-0.25112761468386557,null,null,88.573479024750384,118.27579806853117,143.92988700196878,117.05391130587502,111.53743728812518,56.117152483374952,84.872802075499891,69.214608153000029,75.962981099179217,47.890122704435804,46,44,null,null,321.74200000000002,213.505,123.089]
[]
["Share of profit before tax",0.48265296127338325,0.28935949607044603,19.329346520293722,0.66800456811646836,null,0.48265296127338325,0.29197155906807115,19.068140220531209,0.65308211119582382,null,null,0.48265296127338325,0.29197155906807115,0.2330061998540621,0.19169270046759915,0.19038913219775724,0.10439061030906634,0.14429876160182625,0.20587272650439742,null,null,null,null,null,null,0.28935949607044603,0.16859058730630014,0.15618818169283244]
["Risk-weighted assets (credit risk)",10242.994031529441,10516.501033183376,-273.50700165393573,-2.6007414518471661E-2,null,10242.994031529441,9699.9450133162281,543.04901821321255,5.5984752229802037E-2,null,null,10242.994031529441,9699.9450133162281,10073.807734800001,10607.22438076945,10516.501033183376,11331.009126816736,9309.8420910000004,8833.5499316000005,8692.3377078000012,8442.0857210000013,8624.9144875419897,7610.9704369999999,null,null,10516.501033183376,8692.3379999999997,6726.7510000000002]
["Own funds requirement",978.50691852235536,1032.7717376041503,-54.26481908179494,-5.2542897046814807E-2,null,978.50691852235536,935.03767963646828,43.46923888588708,4.6489291108340547E-2,null,null,978.50691852235536,935.03767963646828,958.84093178750004,1046.576602794576,1032.7717376041503,1097.6870582633489,967.69479259154002,907.95641250303015,890.93123910283009,897.19305404114016,898.14507860696926,804.57123948490016,null,null,1032.7717376041503,890.93100000000004,713.17]
["Total assets",15635.306598959996,14217.958378748996,1417.3482202110008,9.9687183100032994E-2,null,15635.306598959996,15442.539107589995,192.76749137000115,1.2482888340250797E-2,null,null,15635.306598959996,15442.539107589995,17040.531984706999,15195.326218734001,14217.958378748996,13974.532820072007,13196.323885977001,12464.461278887005,12177.759338692002,12012.648031999999,13016.418394,12343.334446000001,null,null,14217.958378748996,12177.759,11681.105]
["Liabilities",13175.284559855012,12135.401554619999,1039.8830052350131,8.5690036753594212E-2,null,13175.284559855012,13066.004313827993,109.28024602701953,8.3637080933278707E-3,null,null,13175.284559855012,13066.004313827993,14852.149155999999,12135.401554619999,12135.401554619995,12078.000929773998,11219.75391426999,10464.129894651007,10276.907661598001,10229.352983000001,11132.913988000002,10534.570045,null,null,12135.401554619999,10276.907999999999,10062.24]
["Net interest margin (avg. assets)",4.8282210223082746E-2,4.4683582556600522E-2,0.35986276664822237,8.0535791012814606E-2,null,5.0923294645563347E-2,4.6509961205677589E-2,0.44133334398857582,9.4890069255680443E-2,null,null,5.0923294645563347E-2,4.6509961205677589E-2,4.4111173752967227E-2,5.0117007868687495E-2,4.4993635611068249E-2,4.4911500962144114E-2,4.4600000000000001E-2,4.4124729115700353E-2,4.1641625671688047E-2,3.9895589511988939E-2,4.330414002568015E-2,3.9678494318771886E-2,null,null,4.4683582556600522E-2,4.1413821818102839E-2,4.9594034648552825E-2]
["Net interest margin (avg. interest bearing assets)",5.2866572277511889E-2,5.1801267346272231E-2,0.10653049312396579,2.0565229111451755E-2,null,5.4499141070749331E-2,4.9733873811015759E-2,0.47652672597335716,9.5815324537983138E-2]
["NPL Ratio",5.0493144138459255E-2,5.7768818618632999E-2,-0.72756744801737439,-0.12594466451192088,null,5.0493144138459255E-2,5.7970427416686461E-2,-0.7477283278227207,-0.1289844427828889,null,null,5.0493144138459255E-2,5.7970427416686461E-2,5.7230568681677425E-2,5.9718790102061103E-2,5.7768818618632999E-2,5.9023270790034249E-2,7.1800000000000003E-2,8.4000000000000005E-2,8.7932977847855212E-2,0.1007249844994616,0.11222367600559877,0.11846516257011526,null,null,5.7768818618632999E-2,8.7932977847855226E-2,0.1010091014060512]
["NPL Coverage Ratio",0.99967306893992125,1.0015914691783165,-0.19184002383952903,-1.9153520146982794E-3,null,0.99967306893992125,0.97101587622737895,2.8657192712542301,2.9512589252280952E-2,null,null,0.99967306893992125,0.97101587622737895,0.96299671638805096,0.97589961275560566,1.0015914691783165,1.0725837010617176,1.0350999999999999,0.98699999999999999,0.94286491920121085,0.88254709308408896,0.86634169269014272,0.85609003580721321,null,null,1.0015914691783165,0.94286491920121085,0.85609003580721321]
["Cost/income ratio",0.46524908256771319,0.57150467595527343,-10.625559338756025,-0.18592252672290632,null,0.57043288010813775,0.43819742451243271,13.223545559570503,0.3017714121502173,null,null,0.57043288010813775,0.43819742451243271,0.43603724831702251,0.4221484299464785,0.71475354794397084,0.58829832287662209,0.47599999999999998,0.51677350308704562,0.606904371961967,0.54128133629171205,0.53213556321079003,0.48654698984823458,null,null,0.57150467595527343,0.54083240673919353,0.44379286730923961]
["Provisioning ratio (avg. loans and advances to customers)",-1.7025132000222584E-3,1.0855812045036596E-3,-0.27880944045259182,"-",null,"–","–","–","–",null,null,"–","–"]
["Average equity ",1528.2275219168584,1274.7569359806491,253.47058593620932,0.19883836579498082,null,1528.22752191686,1501.6142537424271,26.61326817443296,1.7723105723127963E-2,null,null,1528.22752191686,1501.6142537424271,1533.280783235926,1563.2542338109208,1274.7569359806491,1259.1499475373976,1244,1233.5144683853409,1079.2265892179144,1078.9426363959039,1048.2606172490021,987.6764359129877,null,null,1274.7569359806491,1079.2270000000001,829.63699999999994]
["Return on equity before tax",0.39164786238194876,0.34022798471094862,5.1419877671000149,0.15113359271338456,null,0.29940329536601379,0.40292983750635314,-10.352654214033935,-0.25693441513550608,null,null,0.29940329536601379,0.40292983750635314,0.45126701467650793,0.40315253684848035,0.46437772581046455,0.25782167619135377,0.36006616828585664,0.30599999999999999,0.30911027905805705,0.24262177256247899,0.22853329344214268,0.26805266737365807,null,null,0.34022798471094862,0.24735692033074733,0.1829517726537595]
["Business outlets",186,191,-5,-2.6178010471204161E-2,null,186,193,-7,-3.6269430051813489E-2,null,null,186,193,193,192,191,192,190,196,198,199,202,210,null,null,191,198,215]
["indicative loans and advances to customers",9668.5162179900017,9072.5821045429984,595.93411344700326,6.5685171716285184E-2,null,9668.5162179900017,9112.9066412219963,555.60957676800535,6.0969523626492439E-2,null,null,9668.5162179900017,9112.9066412219963,9491.9046501440025,9485.4541599370004,9072.5821045429984,9219.0001285369981,8337,7733.7962999870006,7601.4233217759993,null,null,null,null,null,9072.5821045429984,{"$error":"#REF!"}]
["indicative deposits from customers",9608.885433169,9319.5841325519996,289.30130061700038,3.1042297220807535E-2,null,9608.885433169,10087.509997583002,-478.62456441400172,-4.7447245606565103E-2,null,null,9608.885433169,10087.509997583002,10624.713144936999,10063.535008270999,9319.5841325519996,9269.5607363099971,8283,7362.1671086749993,6764.0627249380004,null,null,null,null,null,9319.5841325519996,{"$error":"#REF!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
["CIS other "]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",417.51636071799999,415.45100000000002,2.0653607179999653,4.9713701928746357E-3,null,100.35604385299996,106.50528055600003,-6.1492367030000707,-5.7736449037067539E-2,null,null,100.35604385299996,106.50528055600003,104.24739212,106.407644189,99.830291843000012,112.76450753000002,102.06785514000002,100.788345487,53.907032058999974,124.52231800000001,130.40127800000002,114.744664,null,null,415.45100000000002,423.57499999999999,488.38400000000001]
["Net fee and commission income ",209.07049659800001,175.54599999999999,33.524496598000013,0.19097271711118458,null,56.254502864000017,56.134488713999986,0.12001415000003135,2.1379752937893404E-3,null,null,56.254502864000017,56.134488713999986,51.861209387000002,44.820295633000001,44.391357162000006,46.563049525000011,41.847307849999993,42.744285462999997,53.096137292000016,48.642039000000004,44.348608999999996,37.185406,null,null,175.54599999999999,183.27199999999999,175.33199999999999]
["Net trading income",-19.443456733999998,-0.51100000000000001,-18.932456733999999,">500,0%",null,-14.046303601999997,0.89856174200000005,-14.944865343999997,"–",null,null,-14.046303601999997,0.89856174200000005,0.15388198299999889,-6.4495968569999995,-52.730066186999991,8.5700279839999887,36.559785970000007,7.0892522329999998,1.8250661340000005,4.9422530000000009,4.4843790000000006,11.906139,null,null,-0.51100000000000001,23.158000000000001,17.071000000000002]
["Other net operating income",-5.165401930999999,-6.5780000000000003,1.4125980690000013,-0.21474582988750401,null,-2.9030875349999987,-0.3659684809999999,-2.5371190539999988,">500,0%",null,null,-2.9030875349999987,-0.3659684809999999,-1.8513700970000002,-4.4975817999999994E-2,-5.1738081469999999,0.87825667299999943,-0.81477956699999954,-1.4676689590000001,-2.2757349280000008,-1.9313399999999994,-2.0052250000000003,-1.6622779999999999,null,null,-6.5780000000000003,-7.875,-2.8780000000000001]
["Operating income",601.97799865100001,583.90899999999999,18.068998651000015,3.0944888075025379E-2,null,139.66115558000016,163.17236253099995,-23.511206950999792,-0.14408816901534449,null,null,139.66115558000016,163.17236253099995,154.41111339299997,144.733367147,86.318774671000028,168.77584171199999,179.66016939299999,149.15421422399999,106.55250055699997,176.17527000000001,177.229041,162.17393100000001,null,null,583.90899999999999,622.13099999999997,677.90899999999999]
["General administrative expenses",-383.96538182099999,-335.97500000000002,-47.990381820999971,0.14283914523699681,null,-105.52556291799999,-96.448926396000019,-9.0766365219999727,9.4108217283136231E-2,null,null,-105.52556291799999,-96.448926396000019,-91.573166576999967,-90.417725930000017,-87.525010465000008,-83.198826819000004,-79.990367740000011,-85.260794976,-99.206523551000018,-84.176586999999998,-84.601606000000004,-78.316265999999999,null,null,-335.97500000000002,-346.30099999999999,-294.09899999999999]
["Operating result",218.01261682999996,247.935,-29.922383170000046,-0.1206864023635229,null,34.135592662000022,66.723436134999972,-32.58784347299995,-0.48840175747342696,null,null,34.135592662000022,66.723436134999972,62.837946816000013,54.315641216999964,-1.2052357939999823,85.57701489300004,99.669801652999951,63.893419247999994,7.3459770059999574,91.998683000000014,92.627434999999991,83.857665000000011,null,null,247.935,275.83,383.81]
["Net provisioning for impairment losses",-88.689803658000002,-127.685,38.995196342,-0.30540154553784704,null,-12.947355967999993,-25.508340254000007,12.560984286000014,-0.49242656170192434,null,null,-12.947355967999993,-25.508340254000007,-26.696834024999998,-23.537273410999997,-28.847148614999995,-27.610331113000015,-20.572058950999988,-50.655461321000004,9.1505277679999999,-66.304113999999984,-78.329588000000001,-78.091848999999996,null,null,-127.685,-213.57499999999999,-514.43499999999995]
["Other results",-21.286337206999999,-14.625999999999999,-6.6603372069999995,0.45537653541638168,null,5.247882136000003,-14.309784371000003,19.557666507000008,"–",null,null,5.247882136000003,-14.309784371000003,-5.9993359559999995,-6.2250990159999997,-6.5460918809999997,-12.520386007999999,-0.95920550700000007,5.3996833959999995,8.6652110700000016,4.316885000000001,2.2071599999999991,11.713257000000002,null,null,-14.625999999999999,26.902999999999999,4.9400000000000004]
["Profit/loss before tax",108.03647596499999,105.624,2.4124759649999987,2.2840225374914702E-2,null,26.436118829999945,26.905311510000043,-0.46919268000009851,-1.7438663730977799E-2,null,null,26.436118829999945,26.905311510000043,30.141776835000034,24.553268789999979,-36.598476290000065,45.446297772000079,78.138537194999969,18.637641323000008,25.161715843999986,30.01145399999999,16.50500700000002,17.479072999999996,null,null,105.624,89.156999999999996,-125.685]
["Income taxes  ",-47.163426437000005,-51.610999999999997,4.4475735629999917,-8.6174915483133274E-2,null,-20.020182224000003,-8.6477732280000001,-11.372408996000003,1.3150679020095142,null,null,-20.020182224000003,-8.6477732280000001,-10.319729997000001,-8.1757409879999994,-13.342155255,-12.676782142999995,-18.142284009000001,-7.4497785929999996,14.373270752000002,-11.346387,-4.8148870000000006,-5.381456,null,null,-51.610999999999997,-7.1689999999999996,21.361999999999998]
["Profit/loss after tax",60.873049527999989,54.012999999999998,6.8600495279999905,0.12700737837187326,null,6.4159366059999314,18.257538282000041,-11.84160167600011,-0.64858698325582309,null,null,6.4159366059999314,18.257538282000041,19.822046838000034,16.377527801999982,-49.940631545000052,32.769515629000068,59.996253185999976,11.187862730000008,39.534986595999989,18.66506699999999,11.69012000000002,12.097616999999996,null,null,54.012999999999998,81.988,-104.32299999999999]
["Profit attributable to non-controlling interests",-6.3221893787426717,-3.202,-3.1201893787426718,0.97445014951363884,null,-2.5561658370575833,-1.2782982744752023,-1.277867562582381,0.99966305837892322,null,null,-2.5561658370575833,-1.2782982744752023,-1.5689210940638698,-0.91880417314601615,6.5053966340023894,-2.0572385983345178,-5.2186055460412772,-2.4315524896265943,-2.9422532415161511,-2.1082993965618355,-1.7709671845264847,-1.6215895351904033,null,null,-3.202,-8.4429999999999996,0.90900000000000003]
["Consolidated profit/loss",54.550860149257318,50.811,3.7398601492573178,7.3603356542034648E-2,null,3.8597707689423544,16.97924000752484,-13.119469238582486,-0.77267705932469388,null,null,3.8597707689423544,16.97924000752484,18.253125743936163,15.458723628853964,-43.435234910997657,30.712277030665554,54.777647639958687,8.7563102403734145,36.592733354483833,16.55676760343815,9.9191528154735327,10.476027464809594,null,null,50.811,73.545000000000002,-103.414]
[]
["Share of profit before tax",8.712075039931233E-2,7.0469685153892361E-2,1.6651065245419969,0.23628692549224839,null,8.712075039931233E-2,4.9110193487445254E-2,3.8010556911867077,0.77398507748873491,null,null,8.712075039931233E-2,4.9110193487445254E-2,3.8360057106291444E-2,2.9872796096999561E-2,-4.7355809796902848E-2,5.8804022436146047E-2,0.10110527192763659,4.0659313474613733E-2,0,0,0,0,null,null,7.0469685153892361E-2,5.630581972223396E-2,-0.12933224347104438]
["Risk-weighted assets (credit risk)",5148.0265351088501,5489.957407242051,-341.93087213320086,-6.2282973576833989E-2,null,5148.0265351088501,5119.652780110865,28.373754997985088,5.5421248699156767E-3,null,null,5148.0265351088501,5119.652780110865,5338.8904301999992,5235.6008663001694,5489.957407242051,5605.4796537249767,5329.6526361999995,5531.9456742000002,5671.0676133999996,5180.5134499999995,5438.3079625514656,5374.1368000000002,null,null,5489.957407242051,5671.0680000000002,5033.1220000000003]
["Own funds requirement",503.17216080870804,532.18268851769415,-29.010527708986103,-5.4512347610911727E-2,null,503.17216080870804,497.87787242821918,5.2942883804888652,1.0633708934819408E-2,null,null,503.17216080870804,497.87787242821918,522.10675400360992,508.49679540957356,532.18268851769415,540.63212943913823,513.84285845990996,539.94371392270989,558.89501597357992,500.2199217854,529.59010708291737,515.24941978407992,null,null,532.18268851769415,558.89499999999998,483.15300000000002]
["Total assets",6323.791123721001,6760.7767327929987,-436.98560907199771,-6.4635414885453768E-2,null,6323.791123721001,6356.1547334790002,-32.363609757999257,-5.0916963345046806E-3,null,null,6323.791123721001,6356.1547334790002,6517.986506786001,6414.9560220640005,6760.7767327929987,6758.364097849003,6522.518431241997,6864.1933808640006,7130.9174468279989,6846.2581989999999,7286.704111,6650.1165029999993,null,null,6760.7767327929987,7130.9170000000004,6280.8019999999997]
["Liabilities",5274.8432857510015,5723.5617168650051,-448.71843111400358,-7.8398461187517698E-2,null,5274.8432857510015,5266.4997278450019,8.3435579059996599,1.5842700725656744E-3,null,null,5274.8432857510015,5266.4997278450019,5421.6133935390026,5723.5617168650051,5723.5617168649969,5793.2973359749994,5629.4946747329977,5900.0266924440011,6114.1286321470025,5890.4974520000005,6241.4176649999999,5710.7148850000003,null,null,5723.5617168650051,6114.1289999999999,5387.2950000000001]
["Net interest margin (avg. assets)",6.4483950023160305E-2,6.1029727644491563E-2,0.3454222378668742,5.6599013496998918E-2,null,6.3316386352558582E-2,6.6182452759114052E-2,-0.28660664065554703,-4.3305533220220238E-2,null,null,6.3316386352558582E-2,6.6182452759114052E-2,6.4484871489965359E-2,6.4608258937112834E-2,5.9074910032583312E-2,6.7925912172174349E-2,6.0999999999999999E-2,5.7613460430807596E-2,3.085432045784758E-2,7.0486181322024638E-2,7.4852812767932209E-2,7.0989333907652108E-2,null,null,6.1029727644491563E-2,6.1935632027395507E-2,6.8430233311843849E-2]
["Net interest margin (avg. interest bearing assets)",7.12006717167388E-2,6.7743074560013675E-2,0.34575971567251257,5.103986170072683E-2,null,6.9639422865523215E-2,7.3082575636682842E-2,-0.34431527711596271,-4.7113183151571647E-2]
["NPL Ratio",0.28239486983005591,0.29660470620067297,-1.4209836370617068,-4.7908330763312801E-2,null,0.28239486983005591,0.31302093546471804,-3.0626065634662138,-9.7840310869923064E-2,null,null,0.28239486983005591,0.31302093546471804,0.31329994438743713,0.30249536889623174,0.29660470620067297,0.28063416035047434,0.27529999999999999,0.26300000000000001,0.26906243199156149,0.27079470002573358,0.24518943727130824,0.22973323630034756,null,null,0.29660470620067297,0.26906243199156149,0.19902573849742949]
["NPL Coverage Ratio",0.70188943697728601,0.6822435658873055,1.9645871089980504,2.8795978551193313E-2,null,0.70188943697728601,0.68500954367888867,1.6879893298397342,2.4641836678278572E-2,null,null,0.70188943697728601,0.68500954367888867,0.67767134798224726,0.68994199433088299,0.6822435658873055,0.71581670054027169,0.72909999999999997,0.72399999999999998,0.69552939420122495,0.71832581021801567,0.73754662334285037,0.72852756803035834,null,null,0.6822435658873055,0.69552939420122495,0.72852756803035834]
["Cost/income ratio",0.63783956005276876,0.57538843503917392,6.2451125013594844,0.10853733097597451,null,0.75558277088401604,0.5910861674119372,16.449660347207885,0.27829547118709441,null,null,0.75558277088401604,0.5910861674119372,0.59304777075165704,0.62471928700564461,1.0139671607967962,0.49295459572330791,0.44500000000000001,0.57162846802273537,0.93105767609770695,0.47780024404106203,0.4773574664888019,0.4829152596664873,null,null,0.57538843503917392,0.55663698779404347,0.43383199651967319]
["Provisioning ratio (avg. loans and advances to customers)",1.8263747956025346E-2,2.8085976187670517E-2,-0.98222282316451703,-0.34972002276200165,null,"–","–","–","–",null,null,"–","–"]
["Average equity ",791.26327340655484,699.06602837865353,92.197245027901317,0.13188631872404777,null,791.26327340655484,778.79331782725751,12.469955579297334,1.6011893391801424E-2,null,null,791.26327340655484,778.79331782725751,788.69020072627893,782.38291183934496,699.06602837865353,712.68303195760097,725,753.4842270662399,664.1456540001443,660.51091790879036,663.00081624439315,649.71467150622402,null,null,699.06602837865353,664.14599999999996,562.05700000000002]
["Return on equity before tax",0.13653669972559226,0.15109281420236337,-1.4556114476771103,-9.6338893107620893E-2,null,0.13470052808393368,0.13727344706583808,-0.25729189819043985,-1.8743020131711252E-2,null,null,0.13470052808393368,0.13727344706583808,0.15348376390085286,0.12553070072696967,"–",0.25283904054518008,0.42271808257272164,9.9000000000000005E-2,0.15195918022881941,0.18140498932079105,0.10058543319714716,0.11539518998373159,null,null,0.15109281420236337,0.13424351918439356,"–"]
["Business outlets",926,1011,-85,-8.4075173095944589E-2,null,926,927,-1,-1.0787486515642097E-3,null,null,926,927,926,927,1011,1014,1022,1019,1028,1030,1029,1034,null,null,1011,1028,1050]
["indicative loans and advances to customers",4627.3487078089993,5076.5300162880012,-449.18130847900193,-8.8481956580145793E-2,null,4627.3487078089993,4766.7181614700003,-139.36945366100099,-2.9238031060351388E-2,null,null,4627.3487078089993,4766.7181614700003,4963.0943504960005,4846.5945556440001,5076.5300162880012,5089.9384922210002,4813,5097.8817197190001,5305.8986363610002,null,null,null,null,null,5076.5300162880012,5097.8817197190001]
["indicative deposits from customers",3517.8819927010004,3299.1259628180001,218.75602988300034,6.6307268151758025E-2,null,3517.8819927010004,3456.970464785999,60.911527915001443,1.7619915627127725E-2,null,null,3517.8819927010004,3456.970464785999,3483.4557256470007,3286.7216850509999,3299.1259628180001,3297.1420743029998,3265,3304.7096807679991,3409.3915676420002,null,null,null,null,null,3299.1259628180001,3304.7096807679991]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
["Group corporates"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",404.04085636500002,429.34399999999999,-25.303143634999969,-5.8934429350357642E-2,null,96.049291851000021,93.714282088000004,2.3350097630000164,2.4916263679076955E-2,null,null,96.049291851000021,93.714282088000004,106.33973290099999,107.93754952500001,119.99101795600004,110.187794368,102.51282956599999,96.652358109999994,96.941559342000048,98.552902999999986,93.36631899999999,82.087665999999999,null,null,429.34399999999999,370.94900000000001,311.70100000000002]
["Net fee and commission income ",162.765646839,177.798,-15.032353161000003,-8.4547369267370831E-2,null,43.603941483,37.164918901999997,6.4390225810000032,0.17325539167673232,null,null,43.603941483,37.164918901999997,43.824225302000002,38.172561152,46.276848380999972,46.165032245000013,44.238766727000005,41.117352646999997,40.070788882999999,39.130710000000008,37.640254999999989,38.507641000000007,null,null,177.798,155.35,110.901]
["Net trading income",16.301362352000002,21.062000000000001,-4.7606376479999994,-0.22602970506124775,null,-3.4762177489999964,4.6281484599999967,-8.104366208999993,"–",null,null,-3.4762177489999964,4.6281484599999967,4.1866032210000022,10.962828419999999,13.485690481000002,2.8437328009999998,-3.8505756000000169E-2,4.7710824740000009,5.6081759439999983,4.1606529999999999,7.3954189999999995,1.7696229999999999,null,null,21.062000000000001,18.934000000000001,6.4539999999999997]
["Other net operating income",11.525575204999999,5.952,5.5735752049999991,0.93642056535618257,null,5.6511332009999995,1.836438499999999,3.8146947010000005,2.0772243127118073,null,null,5.6511332009999995,1.836438499999999,1.9425926330000007,2.0954108709999999,2.220542069,1.441602144,2.1166333900000001,0.173222397,1.176044447,-1.2742399999999998,1.2112839999999998,0.89552999999999994,null,null,5.952,2.0089999999999999,0.47599999999999998]
["Operating income",594.63344076099997,634.15599999999995,-39.522559238999975,-6.2323086494490254E-2,null,141.82814878599999,137.34378795000003,4.4843608359999507,3.2650627326752391E-2,null,null,141.82814878599999,137.34378795000003,156.29315405699992,159.16834996800003,181.97409888699994,160.63816155799995,148.829723927,142.714015628,143.79656861600003,140.57002600000001,139.61327700000001,123.26046000000001,null,null,634.15599999999995,547.24,429.53199999999998]
["General administrative expenses",-177.104669626,-140.99199999999999,-36.112669626000013,0.25613275665285995,null,-46.887171569000003,-48.503506136000013,1.6163345670000098,-3.3324076871225294E-2,null,null,-46.887171569000003,-48.503506136000013,-46.311036263999981,-35.402955657000007,-38.742224362000002,-31.245465589999995,-38.104703799999996,-32.899606247999998,-39.273617120000019,-30.264209000000008,-32.464297000000002,-39.769869,null,null,-140.99199999999999,-141.77199999999999,-130.029]
["Operating result",417.52877113499994,493.16399999999999,-75.635228865000045,-0.15336729539260785,null,94.940977216999968,88.840281814000022,6.1006954029999463,6.8670374276531776E-2,null,null,94.940977216999968,88.840281814000022,109.98211779299994,123.76539431100001,143.23187452499997,129.39269596800006,110.72502012699996,109.81440938,104.52295149600002,110.305817,107.14898000000001,83.490591000000009,null,null,493.16399999999999,405.46800000000002,299.50299999999999]
["Net provisioning for impairment losses",-113.05976498599999,-115.52,2.4602350140000055,-2.129704825138512E-2,null,-60.634838768999998,-31.002517707999999,-29.632321060999999,0.95580369762529216,null,null,-60.634838768999998,-31.002517707999999,-20.808198976,-0.61420953300000003,-79.482918026999982,-16.757882591999998,-8.1690394290000015,-11.110159952,-59.030845675999998,-23.865306999999998,-24.997160000000001,-21.161560000000001,null,null,-115.52,-129.05500000000001,-162.85]
["Other results",14.440151531,-3.9660000000000002,18.406151530999999,"–",null,-3.1054726430000024,16.303229258000002,-19.408701901000004,"–",null,null,-3.1054726430000024,16.303229258000002,-0.50924693999999993,1.751641856,2.0165225029999996,-5.70810204,-2.1098220299999997,1.8354015669999999,10.845705365999997,1.5440709999999995,-2.656887999999999,9.1387859999999996,null,null,-3.9660000000000002,18.872,19.285]
["Profit/loss before tax",318.90915767999996,373.678,-54.768842320000033,-0.14656694351821631,null,31.200665804999971,74.140993363999982,-42.940327559000011,-0.5791711927594726,null,null,31.200665804999971,74.140993363999982,88.664671877000004,124.90282663399999,65.765479001000017,106.92671133599998,100.44615866799998,100.53965099500002,56.337811186000096,87.984580999999977,79.494931999999949,71.467817000000011,null,null,373.678,295.28500000000003,155.93799999999999]
["Income taxes  ",-71.582843725999993,-75.95,4.3671562740000098,-5.7500411770902038E-2,null,-0.68407687899998848,-21.817494773000007,21.133417894000019,-0.96864548903907333,null,null,-0.68407687899998848,-21.817494773000007,-17.079197027999996,-32.002075046000002,-12.762563499999999,-20.027231409000009,-20.127655921999995,-23.032549168999999,-9.6993401450000096,-21.900005999999998,-18.614069999999995,-15.217183,null,null,-75.95,-65.430999999999997,-47.548000000000002]
["Profit/loss after tax",247.32631395399994,297.72699999999998,-50.400686046000033,-0.16928490209487224,null,30.516588925999955,52.323498591000032,-21.806909665000077,-0.41677086303917377,null,null,30.516588925999955,52.323498591000032,71.585474848999965,92.900751588000006,53.001915500999985,86.899479927000016,80.31850274599995,77.507101826000024,46.638471041000102,66.084574999999987,60.880861999999951,56.250634000000005,null,null,297.72699999999998,229.85499999999999,108.39]
["Profit attributable to non-controlling interests",0.112936465,0,0.112936465,"–",null,1.1242809500000006E-2,0.10949168325,-9.8248873749999993E-2,-0.89731814174114444,null,null,1.1242809500000006E-2,0.10949168325,-5.1996877500000002E-3,-2.5983400000000002E-3,2.7735999996047724E-5,9.8179999986009826E-6,-3.1861999995459796E-5,-5.6919999991889108E-6,-4.2123878909484762E-2,3.2678000688907666E-2,-4.4888732000000001E-2,4.7499958000000002E-2,null,null,1.0000000000000001E-5,-7.0000000000000001E-3,0.47099999999999997]
["Consolidated profit/loss",247.43925041899996,297.72699999999998,-50.287749581000014,-0.16890557316266253,null,30.527831735499944,52.432990274250017,-21.905158538750072,-0.41777435206680846,null,null,30.527831735499944,52.432990274250017,71.58027516125,92.898153248,53.001943236999978,86.899489744999983,80.318470883999993,77.507096134000022,46.596347162090638,66.117253000688905,60.835973267999947,56.298133958000008,null,null,297.72699999999998,229.84800000000001,108.86]
[]
["Share of profit before tax",0.25716874674156459,0.24930863884293217,0.78601078986324235,3.152761948046412E-2,null,0.25716874674156459,0.17315389540007201,8.401485134149258,0.48520335709096418,null,null,0.25716874674156459,0.17315389540007201,0.14978434235339885,0.15196333750461791,8.5094899079765127E-2,0.13835496048479853,0.16127501619224871,0.21933425563830744,null,null,null,null,null,null,0.24930863884293217,0.1864825570030996,0.16046320684416959]
["Risk-weighted assets (credit risk)",13151.234723268266,15732.908642,-2581.6739187317344,-0.16409387338840775,null,13151.234723268266,12393.150140319522,758.08458294874436,6.116964406671821E-2,null,null,13151.234723268266,12393.150140319522,11679.261796000001,14561.425033829886,15732.908642,14609.802322521091,15382.787495,15663.882431,15644.778007000001,15360.715399368331,15406.540222978998,14312.425138106733,null,null,15732.908642,15644.778,14212.609]
["Own funds requirement",1116.4751608614613,1333.0512993599998,-216.57613849853851,-0.16246646967188516,null,1116.4751608614613,1060.5627302255616,55.912430635899682,5.2719588424541497E-2,null,null,1116.4751608614613,1060.5627302255616,989.37595568000006,1204.4405447063909,1333.0512993599998,1229.1519658016873,1266.7355936000004,1274.6565254799998,1301.4102845600003,1270.4213718741455,1276.5648961647237,1192.2026310181159,null,null,1333.0512993599998,1301.4100000000001,1167.383]
["Total assets",18996.626218715999,22842.659627063993,-3846.0334083479938,-0.16837064821432668,null,18996.626218715999,20292.889381822009,-1296.2631631060103,-6.3877703106546169E-2,null,null,18996.626218715999,20292.889381822009,20817.008725513009,21979.663734927995,22842.659627063993,21596.418275357995,20688.919764163995,20602.366956152997,23477.901500459997,23282.236333000001,23457.440793999998,21490.153949,null,null,22842.659627063993,23477.901999999998,22197.063999999998]
["Liabilities",13190.568187815003,15377.841363824002,-2187.2731760089991,-0.14223538429486637,null,13190.568187815003,14314.585502258005,-1124.0173144430028,-7.8522519165203808E-2,null,null,13190.568187815003,14314.585502258005,15741.242158768,15377.841363824002,15377.841363824002,15056.408219787005,13863.075160808003,13103.546652638006,16148.276187102003,14193.378724000002,14149.947009000001,9699.755482999999,null,null,15377.841363824002,16148.276,12568.215]
["Net interest margin (avg. assets)",1.9265767511462712E-2,1.9657104011552247E-2,-3.9133650008953483E-2,-1.9908146177562647E-2,null,1.9557236149724325E-2,1.8236830817399498E-2,0.13204053323248277,7.2403223210528944E-2,null,null,1.9557236149724325E-2,1.8236830817399498E-2,1.9910259984064458E-2,1.9264962889724343E-2,2.1600928343377776E-2,2.0846524961444172E-2,1.9900000000000001E-2,1.7541155985496285E-2,1.6523422155324097E-2,1.686839260480371E-2,1.668283840320875E-2,1.5031887200869823E-2,null,null,1.9657104011552247E-2,1.6283267229704083E-2,1.4042441603305691E-2]
["Net interest margin (avg. interest bearing assets)",1.934398481266315E-2,1.9731180675932269E-2,-3.8719586326911928E-2,-1.962355267170679E-2,null,1.9647247556229753E-2,1.8313005267957476E-2,0.13342422882722771,7.2857636895175215E-2]
["NPL Ratio",4.8041324000340238E-2,3.0011064869512018E-2,1.8030259130828219,0.60078705001717569,null,4.8041324000340238E-2,4.5772651145297542E-2,0.22686728550426957,4.9563938253023077E-2,null,null,4.8041324000340238E-2,4.5772651145297542E-2,4.0634062873070205E-2,3.3355123298295854E-2,3.0011064869512018E-2,3.6475886885648928E-2,4.2599999999999999E-2,4.5999999999999999E-2,4.3298510915423291E-2,3.6581405607979976E-2,4.1632403469753623E-2,3.1470226115726245E-2,null,null,3.0011064869512018E-2,4.3298510915423291E-2,"–"]
["NPL Coverage Ratio",0.60599999999999998,0.66721657618348795,-6.121657618348797,-9.1749183651356203E-2,null,0.60599999999999998,0.60999429515534043,-0.39942951553404438,-6.5480860838595945E-3,null,null,0.60599999999999998,0.60999429515534043,0.59425738020081409,0.52546997324567923,0.66721657618348795,0.75502574567001657,0.69,0.67200000000000004,0.65185250263764805,0.45698495772360348,0.51930855611579441,0.63892149046699109,null,null,0.66721657618348795,0.65185250263764805,"–"]
["Cost/income ratio",0.29783839502760728,0.22233001984046877,7.5508375187138519,0.3396229408935374,null,0.33059143738628777,0.35315398577515356,-2.2562548388865791,-6.3888698125103227E-2,null,null,0.33059143738628777,0.35315398577515356,0.29630879575896457,0.22242459423696725,0.21289922267349012,0.19450836144385594,0.25600000000000001,0.23052820778133307,0.27311929274806146,0.23253015542354183,0.21529631786509029,0.3226490392782892,null,null,0.22233001984046877,0.2590671482515689,0.30272315143502959]
["Provisioning ratio (avg. loans and advances to customers)",5.5864312333395554E-3,2.0153984514588272E-3,0.3571032781880728,1.7718743305056477,null,"–","–","–","–",null,null,"–","–"]
["Average equity ",1769.8081313201842,1667.2976601667581,102.51047115342612,6.1483005465966523E-2,null,1769.8081313201801,1733.766927160581,36.041204159599147,2.0787802325093585E-2,null,null,1769.8081313201801,1733.766927160581,1779.9018224014214,1907.6865532481299,1667.2976601667581,1654.14032154749,1728,1766.4336507479866,1593.6734856628625,1575.0717014803849,1597.8821614874751,1535.5106842133648,null,null,1667.2976601667581,1593.673,1358.029]
["Return on equity before tax",0.1801941984762554,0.22412167719867485,-4.3927478722419453,-0.19599834907303282,null,0.35527144703186059,0.16875169524665118,18.651975178520942,1.1052911291503653,null,null,0.35527144703186059,0.16875169524665118,0.19235264426471052,0.26189381357505237,0.15840133664770734,0.25290453106981453,0.2299380045508754,0.22800000000000001,0.14121718037109021,0.20445028523433958,0.22183639548468581,0.19759280761317263,null,null,0.22412167719867485,0.18528584671983861,0.11482681647937736]
["Business outlets",8,8,"–",0,null,8,8,"–",0,null,null,8,8,8,8,8,8,8,8,8,8,8,8,null,null,8,8,7]
["indicative loans and advances to customers",19130.583807255,21745.289428769,-2614.7056215140001,-0.12024239226978262,null,19130.583807255,18775.543397562,355.04040969299967,1.8909727520275199E-2,null,null,19130.583807255,18775.543397562,20126.564516933999,21352.571946163003,21745.289428769,20145.871169732,19648,17588.218239580001,20159.252917381,null,null,null,null,null,21745.289428769,17588.218239580001]
["indicative deposits from customers",9659.7541844999996,1744.5816288010001,7915.1725556989995,4.5370032706001071,null,9659.7541844999996,10687.5230362,-1027.7688517000006,-9.6165299313865082E-2,null,null,9659.7541844999996,10687.5230362,11442.660462587999,10024.712708468,1744.5816288010001,11503.149183895999,9260,9767.6342963570005,9960.7581344690007,null,null,null,null,null,10073.795990801,9767.6342963570005]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
["Group markets"]
[]
[0,"1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",159.06814303099998,229.251,-70.182856969000028,-0.30613980732472279,null,31.107032189999963,42.833458862000008,-11.726426672000045,-0.27376791376526499,null,null,31.107032189999963,42.833458862000008,39.001294492000007,46.126357487,58.605380555999986,62.182119204000017,58.490086964999989,49.973413274999999,71.964911841000017,54.692013000000017,93.891535999999988,63.701945000000002,null,null,229.251,284.25,92.222999999999999]
["Net fee and commission income ",105.19645054799999,114.60299999999999,-9.4065494520000072,-8.2079434674484975E-2,null,28.964571815999985,27.054938729000003,1.9096330869999818,7.0583530279928475E-2,null,null,28.964571815999985,27.054938729000003,23.818302663999997,25.358637339000001,23.169524361999986,25.684227928999999,33.874396689000008,31.874851019999998,31.794890072999998,22.092555000000004,26.725399999999997,26.193278999999997,null,null,114.60299999999999,106.806,122.523]
["Net trading income",78.336040648999997,176.01499999999999,-97.678959350999989,-0.55494679062011754,null,16.762223728000013,16.25851501299999,0.50370871500002323,3.0981225197828088E-2,null,null,16.762223728000013,16.25851501299999,19.790739230000003,25.524562677999999,87.489869505000001,-1.9096927129999983,20.372496623000004,70.062326584999994,31.968826341000003,5.1761739999999952,25.189345000000007,30.831009999999999,null,null,176.01499999999999,93.165000000000006,90.501000000000005]
["Other net operating income",12.782118056,27.855,-15.072881944000001,-0.54111943794650874,null,3.5910069259999986,1.8217784090000002,1.7692285169999984,0.971154619167516,null,null,3.5910069259999986,1.8217784090000002,4.0555848220000001,3.3137478990000004,4.9268029109999993,6.9691045910000007,9.1245862290000002,6.8345062690000002,11.821479409999998,7.9346890000000005,5.3049569999999999,4.4513400000000001,null,null,27.855,29.513000000000002,30.375]
["Operating income",355.38275228399993,547.72299999999996,-192.34024771600002,-0.35116335760229178,null,80.424834659999931,87.968691013000011,-7.5438563530000806,-8.5756151036568751E-2,null,null,80.424834659999931,87.968691013000011,86.665921207999986,100.32330540300001,174.19057733399998,92.925759011000025,121.861566506,158.74509714899997,147.55010766500001,89.895431000000016,151.11123799999999,125.17757399999999,null,null,547.72299999999996,513.73400000000004,335.62200000000001]
["General administrative expenses",-256.400050824,-263.59399999999999,7.1939491759999896,-2.7291778932752586E-2,null,-64.060618654000066,-64.957460857999976,0.89684220399990977,-1.3806608080947802E-2,null,null,-64.060618654000066,-64.957460857999976,-70.064445161999984,-57.317526150000006,-66.12384389099995,-70.91487873600002,-64.671573669000011,-61.883703703999998,-68.534618050999995,-56.920431999999998,-52.058355999999996,-63.190212000000002,null,null,-263.59399999999999,-240.70400000000001,-242.23699999999999]
["Operating result",98.98270145999993,284.12799999999999,-185.14529854000006,-0.65162637452134264,null,16.364216005999921,23.011230155000014,-6.6470141490000927,-0.28885957440027565,null,null,16.364216005999921,23.011230155000014,16.601476045999995,43.005779253,108.06573344299997,22.010880275000034,57.189992837000005,96.861393444999976,79.015489614000018,32.974999000000011,99.052881999999983,61.98736199999999,null,null,284.12799999999999,273.03100000000001,93.385999999999996]
["Net provisioning for impairment losses",-17.7731812,-13.544,-4.2291811999999993,0.31225496160661548,null,1.1841048000000001,0.28371309999999994,0.90039170000000013,3.1735993156466877,null,null,1.1841048000000001,0.28371309999999994,-23.8588731,4.6178739999999996,-5.7612210000000017,1.2852220000000001,-3.4442600000000008,-5.6237409999999999,-30.317765999999999,-1.7180009999999992,7.9238,-6.8835139999999999,null,null,-13.544,-30.995000000000001,-331.99099999999999]
["Other results",177.18934960000001,-4.3369999999999997,181.5263496,"–",null,2.9122466000000031,20.264737599999989,-17.352490999999986,-0.85628994278218507,null,null,2.9122466000000031,20.264737599999989,16.290897400000034,137.72146799999999,62.186528900000006,-112.9309987,-4.0252083700000014,50.478678170000002,47.095322762000002,55.999226999999991,-121.41594499999998,25.427632999999993,null,null,-4.3369999999999997,7.1059999999999999,517.495]
["Profit/loss before tax",258.39886985999993,266.29300000000001,-7.8941301400000725,-2.9644527419046218E-2,null,20.460567405999967,43.559680854999954,-23.099113448999987,-0.53028656306944866,null,null,20.460567405999967,43.559680854999954,9.0335003460000109,185.345121253,164.49104134299998,-89.63489642499998,49.72052446699999,141.71633061499998,95.793046375999978,87.256225000000029,-14.439262999999963,80.531480999999971,null,null,266.29300000000001,249.14099999999999,278.89]
["Income taxes  ",-67.880665136999994,-71.629000000000005,3.7483348630000108,-5.2329850521437016E-2,null,-3.308452170999999,-6.3105518219999936,3.0020996509999947,-0.47572696266180792,null,null,-3.308452170999999,-6.3105518219999936,-8.1725589790000015,-50.089102165,-41.960127341999993,17.839192115999996,-12.15968204499999,-35.348382729000008,-24.207917780000002,-23.700526999999994,5.1302630000000011,-19.260415000000002,null,null,-71.629000000000005,-62.039000000000001,-50.192999999999998]
["Profit/loss after tax",190.51820472299994,194.66399999999999,-4.1457952770000475,-2.1297185288497333E-2,null,17.152115234999968,37.249129032999974,-20.097013798000006,-0.5395297640434904,null,null,17.152115234999968,37.249129032999974,0.86094136700000945,135.25601908799999,122.53091400100003,-71.795704309000001,37.560842421999993,106.36794788599998,71.585128595999961,63.555698000000056,-9.3089999999999637,61.271065999999969,null,null,194.66399999999999,187.10300000000001,228.697]
["Profit attributable to non-controlling interests",-0.52674111681999991,-0.879,0.35225888318000009,-0.40074958268486927,null,-5.4394927410000071E-2,-0.16915752513999988,0.1147625977299998,-0.67843625422527798,null,null,-5.4394927410000071E-2,-0.16915752513999988,-0.13260922086999999,-0.17057944339999997,-0.20591807478888827,-0.21538452521890375,-0.2421915999951175,-0.21550579999709049,-7.5614548328974018E-2,-0.27013552861759116,-0.23505479999999995,-0.21380519999999995,null,null,-0.879,-0.79500000000000004,-0.68200000000000005]
["Consolidated profit/loss",189.99146360617996,193.78399999999999,-3.7925363938200292,-1.9570947001919858E-2,null,17.097720307589981,37.079971507859995,-19.982251200270014,-0.5388960775235303,null,null,17.097720307589981,37.079971507859995,0.72833214612998631,135.0854396446,122.32399592621108,-72.011088834218896,37.318650822004869,106.15244208600289,71.50951404767099,63.285562471382455,-9.5440547999999623,61.057260799999966,null,null,193.78399999999999,186.30799999999999,228.01499999999999]
[]
["Share of profit before tax",0.20837317436965,0.17766402133117024,3.0709153038479764,0.1728495888384578,null,0.20837317436965,0.14320030551163102,6.517286885801898,0.45511682831378808,null,null,0.20837317436965,0.14320030551163102,0.13632633339228253,0.22550060695053115,0.21283832232775005,-0.11598067870964789,6.4334543838151292E-2,0.3091640519895888,null,null,null,null,null,null,0.17766402133117024,0.15734127971285752,0.28698298468641903]
["Risk-weighted assets (credit risk)",3323.1534161942595,5128.7537380000003,-1805.6003218057408,-0.35205440035610869,null,3323.1534161942595,3272.8262563737831,50.327159820476481,1.5377278192652222E-2,null,null,3323.1534161942595,3272.8262563737831,3827.6104360000004,4712.3210076537716,5128.7537380000003,5835.060581354508,6151.1252310000009,4813.9172099999987,5273.3016499999985,5966.8140839999996,7564.5785810000007,7817.1311430000005,null,null,5128.7537380000003,5273.3019999999997,9302.1389999999992]
["Own funds requirement",369.37405294814857,841.13354653791532,-471.75949358976675,-0.56086158438397449,null,369.37405294814857,371.25508597839075,-1.8810330302421789,-5.0666862254155065E-3,null,null,369.37405294814857,371.25508597839075,420.63637692998776,1367.1336720694401,844.95154653791531,1277.4837815772935,995.64566618994922,1036.8973195867018,1086.6172015320744,1141.9265532856584,1297.7191136408201,1314.0330553729502,null,null,841.13354653791532,1086.617,1446.5360000000001]
["Total assets",20242.596512079996,25731.848818564995,-5489.2523064849993,-0.21332521985457253,null,20242.596512079996,20067.961868715,174.63464336499601,8.7021614106832512E-3,null,null,20242.596512079996,20067.961868715,21840.301588148988,29680.881631377993,25614.931818564997,28565.087532903999,24577.913778961993,29195.747599273003,27217.879648114002,37180.348501999993,41223.927917000001,49390.460142999997,null,null,25731.848818564995,27217.88,46667.292000000001]
["Liabilities",25569.822117093991,29357.601440633996,-3787.7793235400059,-0.12902209777592122,null,25569.822117093991,27001.983091910013,-1432.1609748160226,-5.3039103459223691E-2,null,null,25569.822117093991,27001.983091910013,28659.076688030011,29357.601440633996,29366.737283634007,27741.913197888003,22802.150274498999,29701.343031990989,26647.480141780998,36426.185662999997,39453.514013,51332.888277999999,null,null,29357.601440633996,26647.48,48242.902999999998]
["Net interest margin (avg. assets)",6.764170349367841E-3,8.4726671230756345E-3,-0.17084967737077936,-0.20164804646398027,null,6.173475821623981E-3,8.1766134559287228E-3,-0.20031376343047419,-0.24498377538592109,null,null,6.173475821623981E-3,8.1766134559287228E-3,6.0538682148473617E-3,6.659315592277941E-3,8.6534081219608906E-3,9.3607237331724772E-3,8.6999999999999994E-3,7.0867151379371291E-3,8.9399865689780006E-3,5.5805132574882144E-3,8.2893269389254197E-3,5.3053038535770761E-3,null,null,8.4726671230756345E-3,7.0470680261886564E-3,1.9761790255090408E-3]
["Net interest margin (avg. interest bearing assets)",8.4602241428713178E-3,9.9945021559044462E-3,-0.15342780130331285,-0.15351219991750409,null,8.0895826166187887E-3,1.0642096560843934E-2,-0.25525139442251454,-0.23985066566833779]
["NPL Ratio",4.136797206647682E-2,6.4915900632188925E-2,-2.3547928565712106,-0.36274515698601784,null,4.136797206647682E-2,5.2215801863230368E-2,-1.0847829796753548,-0.20774994177370731,null,null,4.136797206647682E-2,5.2215801863230368E-2,4.4558100959146446E-2,3.6429636842925418E-2,6.4915900632188925E-2,0.10210829231341294,1.2E-2,1.52E-2,5.6914508812661649E-2,6.2379768850278711E-2,3.958207657923983E-2,2.4242208997301996E-2,null,null,6.4915900632188925E-2,1.2622063457632431E-2,"–"]
["NPL Coverage Ratio",0.90295935517021497,1.0782754435084436,-17.531608833822865,-0.16258933595649094,null,0.90295935517021497,0.76616446500796576,13.679489016224922,0.17854507277471687,null,null,0.90295935517021497,0.76616446500796576,0.76807374013251573,0.89004821918668386,1.0782754435084436,0.88030339928050849,0.877,0.88700000000000001,">100%",">100%",">100%",">100%",null,null,1.0782754435084436,0.88901889367908937,"–"]
["Cost/income ratio",0.72147578681337055,0.48125501240011126,24.02207744132593,0.49915485184295982,null,0.79652782532683442,0.73841568073805464,5.8112144588779779,7.8698416223631718E-2,null,null,0.79652782532683442,0.73841568073805464,0.8084428594931089,0.57132812679720602,0.37960864514103326,0.76300000000000001,0.53100000000000003,0.38983064557839692,0.46448368717291638,0.63318492794144332,0.34450353718894161,0.5048045746596751,null,null,0.48125501240011126,0.46853712962628019,0.72175364709920076]
["Provisioning ratio (avg. loans and advances to customers)",3.7767409656651119E-3,8.5068091621120293E-3,-0.47300681964469171,-0.55603318545264735,null,"–","–","–","–",null,null,"–","–"]
["Average equity ",1051.1512003479227,1363.4545615592294,-312.30336121130676,-0.22905300258349681,null,1051.1512003479227,1133.875677083545,-82.724476735622375,-7.2957272483698543E-2,null,null,1051.1512003479227,1133.875677083545,2043.2535504584207,1660.1754558410632,1918.9228626664985,1881.3999889324555,1402.7750000000001,1456.1142177434276,1613.9152527933461,1693.5103122307294,1760.9042055749942,1796.4522897244208,null,null,1363.4545615592294,1613.915,1682.77]
["Return on equity before tax",0.24582464423241104,0.19530730871916338,5.0517335513247659,0.25865563272845882,null,7.4162858509965054E-2,0.14157442325955294,-6.7411564749587889,-0.47615637907985753,null,null,7.4162858509965054E-2,0.14157442325955294,0.16601759424024123,0.44656754947410565,0.3747268181451554,"–",0.13912960742914232,0.38900000000000001,0.23170419286591612,0.20207470655357485,"-",0.18517123286087486,null,null,0.19530730871916338,0.1543708623763167,0.16573269086706041]
["Business outlets",3,4,-1,-0.25,null,3,3,"–","–",null,null,3,3,3,4,4,4,4,4,4,3,3,3,null,null,4,4,3]
["indicative loans and advances to customers",5115.0628960000004,3770.1983329999998,1344.8645630000005,0.35670923495684459,null,5115.0628960000004,4282.5441920000003,832.51870400000007,0.19439815835530316,null,null,5115.0628960000004,4282.5441920000003,5116.0727699999998,5245.9073589999998,3770.1983329999998,1837.8556309999999,2770,2441.290105,3626.1767836620002,null,null,null,null,null,3770.1983329999998]
["indicative deposits from customers",2103.1732780000002,511.38647500000002,1591.7868030000002,3.1126885062808904,null,2103.1732780000002,4886.9630109999998,-2783.7897329999996,-0.56963593273245661,null,null,2103.1732780000002,4886.9630109999998,5279.3444749999999,5633.0122419999998,511.38647500000002,3687.349643,3985,4561.3551429999998,2861.3541220980001,null,null,null,null,null,5725.5544749999999]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
["Corporate center"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","Change absolute","Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*","Q4 2010\ncombined figures*","Q3 2010\ncombined figures*","Q2 2010\ncombined figures*","Q1 2010\ncombined figures*",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",500.81940859399998,362.93591840199997,137.88349019200001,0.37991139262021356,null,23.002053821999993,16.034953956999971,6.9670998650000229,0.43449453510644931,null,null,23.002053821999993,16.034953956999971,368.24993616500001,93.532464650000009,13.831234932999969,31.237444571000033,258.11719831699997,59.750040581,85.377731448000006,12.194445000000007,147.55229,45.748453999999995,null,null,362.93591840199997,290.87299999999999,363.89699999999999]
["Net fee and commission income ",-41.607128846000002,-64.740390454999996,23.133261608999995,-0.35732347992370472,null,-11.587158777000006,-11.514565455,-7.2593322000006566E-2,6.3044777750154157E-3,null,null,-11.587158777000006,-11.514565455,-11.845643132999999,-6.6597614809999994,-23.751254534999994,-19.907043560000005,-8.8967726839999965,-12.185319676000001,-4.9459570710000014,-7.6318129999999993,2.45641,-7.2546660000000003,null,null,-64.740390454999996,-17.376000000000001,-15.903]
["Net trading income",-36.194627623999999,37.648093215000003,-73.842720839000009,"–",null,-21.568896333000001,-7.0612145019999986,-14.507681831000003,2.0545590035383983,null,null,-21.568896333000001,-7.0612145019999986,-0.71211709200000062,-6.8523996970000001,-11.536083341999998,34.082849340000003,40.939066177000001,-25.837738960000003,-17.750227676999994,9.2043369999999989,-27.10528,55.881701999999997,null,null,37.648093215000003,20.231000000000002,122.41]
["Other net operating income",43.636808003999995,19.670408864000002,23.966399139999993,1.2183986263682773,null,11.993914554999996,7.3366745259999995,4.6572400289999969,0.63478896501343818,null,null,11.993914554999996,7.3366745259999995,4.5326640879999971,19.773554835000002,1.3322417359999985,3.1541551370000018,26.850680991000001,-11.666669000000001,30.551227999999988,21.244195999999995,58.639279000000002,22.337156999999998,null,null,19.670408864000002,132.77199999999999,134.79900000000001]
["Operating income",466.65446012799993,355.514030026,111.14043010199993,0.31261897060397814,null,1.839913266999929,4.7958485260000998,-2.9559352590001708,-0.61635292336172287,null,null,1.839913266999929,4.7958485260000998,360.2248400279999,99.793858307000022,-20.123861208000029,48.567405488000098,317.01017280099995,10.060312945,93.232774700000007,35.011165000000005,181.54269900000003,116.712647,null,null,355.514030026,426.49900000000002,605.20299999999997]
["General administrative expenses",-328.27418033800001,-317.69343572299999,-10.580744615000015,3.3304889006978033E-2,null,-94.986759778000007,-81.306583870999944,-13.680175907000063,0.16825422070007101,null,null,-94.986759778000007,-81.306583870999944,-71.664404710000028,-80.316431979000001,-113.112846813,-69.022845869999998,-66.799397252000006,-68.758345787999986,-74.088626031000018,-80.540570000000002,-104.63596099999998,-47.560771000000003,null,null,-317.69343572299999,-306.82600000000002,-265.404]
["Operating result",138.38027978999995,37.820594303000021,100.55968548699992,2.6588605319463023,null,-93.14684651100012,-76.510735344999858,-16.636111166000262,0.21743499250118581,null,null,-93.14684651100012,-76.510735344999858,288.56043531799992,19.477426328000014,-133.236708021,-20.455440381999921,250.21077554899995,-58.698032842999993,19.144148668999989,-45.529404999999997,76.906738000000047,69.151875999999987,null,null,37.820594303000021,119.673,339.79899999999998]
["Net provisioning for impairment losses",-0.61939069999999996,55.156593299999997,-55.775983999999994,"–",null,-3.7996837000000006,0.20027960000000045,-3.999963300000001,"–",null,null,-3.7996837000000006,0.20027960000000045,1.3074413999999999,1.6725719999999999,-4.6353076999999958,59.932395599999992,-0.16616860000000003,2.5673999999999999E-2,5.3897950000000003,-2.75142,-0.55091899999999983,-2.087456,null,null,55.156593299999997,0,0.52100000000000002]
["Other results",-537.24167076599997,-157.63971908400001,-379.60195168199994,2.4080349412429807,null,-458.28641862799998,-98.497700526999978,-359.78871810099997,3.6527626145178438,null,null,-458.28641862799998,-98.497700526999978,-87.239532410999999,106.7819808,-250.86291501599999,83.297995639999996,35.765062199000013,-25.839861907000003,-55.033714416187685,29.201841184751597,3.4896366901429712,11.741399655293121,null,null,-157.63971908400001,-10.601000000000001,-320.39499999999998]
["Profit/loss before tax",-399.48078167600005,-64.662531480999988,-334.81825019500008,">500,0%",null,-555.23294883900007,-174.80815627199991,-380.42479256700017,2.1762416621742902,null,null,-555.23294883900007,-174.80815627199991,202.62834430699996,127.93197912800001,-388.73493073699996,122.77495085799995,285.80966914800001,-84.512220749999983,-30.499770747187707,-19.078983815248385,79.845455690142984,78.805819655293107,null,null,-64.662531480999988,109.07299999999999,19.925000000000001]
["Income taxes  ",131.94756153100002,24.353445897999997,107.59411563300003,4.4180242945346837,null,0.66958201100001702,60.497103608000003,-59.827521596999986,-0.98893199887157124,null,null,0.66958201100001702,60.497103608000003,10.014487940999999,60.766387971,1.4249456639999956,-2.3659450519999972,3.5441840349999971,21.750261251000001,87.644172720999975,17.084666000000013,30.530553999999995,47.791489999999996,null,null,24.353445897999997,183.05099999999999,-89.655000000000001]
["Profit/loss after tax",-267.53322014500003,-40.309085582999984,-227.22413456200005,">500,0%",null,-554.56336682800008,-114.31105266399993,-440.25231416400015,3.8513538621506296,null,null,-554.56336682800008,-114.31105266399993,212.64283224799996,188.69836709900002,-387.30998507299995,120.40900580599995,289.35385318300001,-62.761959498999978,57.144401973812229,-1.9943178152483596,110.37600969014299,126.59730965529309,null,null,-40.309085582999984,292.12299999999999,-69.73]
["Profit attributable to non-controlling interests",-0.10805409780000011,-1.7314789000004532E-2,-9.0739308799995574E-2,">500,0%",null,0.50827108469999993,0,0.50827108469999993,"–",null,null,0.50827108469999993,0,-0.32964490900000004,-0.28668027349999997,1.0727763937985633,2.2576664480430995,-2.6520674639741557,-0.69569016686751184,0.73126372312303467,0.16285022698064983,-0.34551820541551409,-0.57720019958817026,null,null,-1.7314789000004532E-2,-2.9000000000000001E-2,-0.15]
["Consolidated profit/loss",-267.64127424280002,-40.326400371999988,-227.31487387080003,">500,0%",null,-554.05509574330006,-114.31105266399993,-439.74404307930013,3.8469074759713857,null,null,-554.05509574330006,-114.31105266399993,212.31318733899994,188.41168682550003,-386.23720867920139,122.66667225404305,286.70178571902585,-63.457649665867486,57.875665696935265,-1.8314675882676965,110.03049148472748,126.02010945570493,null,null,-40.326400371999988,292.09500000000003,-69.88]
[]
["Share of profit before tax",-0.32214180589333502,-4.3141279947251025E-2,-0.27900052594608399,">500,0%",null,-0.32214180589333502,9.3737568486486803E-2,-41.587937437982184,9.2740743331434228E-3,null,null,-0.32214180589333502,9.3737568486486803E-2,0.2318365903006917,0.1556487634889917,-0.5029931745695686,0.15886136646533769,0.36981578304495655,"–",null,null,null,null,null,null,-4.3141279947251025E-2,6.8882987111008487E-2,2.0503293317380149E-2]
["Risk-weighted assets (credit risk)",18957.029399355302,19595.510289000002,-638.48088964469935,-3.2583019284938564E-2,null,18957.029399355302,18782.835982268505,174.19341708679713,1.0099607013664524E-2,null,null,18957.029399355302,18782.835982268505,19098.6023752,17215.063339926564,19595.510289000002,17687.119475098443,15876.491892999999,17724.096499000003,16128.878064999999,19202.751687511289,19866.086544126698,19875.084957591855,null,null,19595.510289000002,16128.878000000001,21244.620999999999]
["Own funds requirement",1565.2071789484244,1682.9899341199998,-117.78275517157545,-6.9984230317551854E-2,null,1565.2071789484244,1549.5572595814804,15.649919366944005,1.0099607013664524E-2,null,null,1565.2071789484244,1549.5572595814804,1579.3400310159998,1408.8872701941252,1682.9899341199998,1509.9190180078751,1355.1858164399998,1451.7364919200002,1366.3561282000001,1573.5086476744991,1643.6411806054566,1614.688352637771,null,null,1682.9899341199998,1366.356,1760.7760000000001]
["Total assets",47341.359561035992,53835.243186776002,-6493.8836257400108,-0.1206251377598524,null,47341.359561035992,59017.752563390008,-11676.393002354016,-0.19784543624924711,null,null,47341.359561035992,59017.752563390008,61486.606476293993,52161.259503565016,53835.243186775995,52695.368675234997,45955.663506097,41808.520057909001,32878.590288582003,40655.323943999996,43604.732049000006,35832.999175999998,null,null,53835.243186776002,32878.589999999997,30176.539000000001]
["Liabilities",31161.089964273,43818.97215635101,-12657.88219207801,-0.28886761987280907,null,31161.089964273,40114.169851251041,-8953.079886978041,-0.22318995806662123,null,null,31161.089964273,40114.169851251041,41992.538621566011,43818.97215635101,43818.97215635101,52526.972757236028,53396.606339645994,47768.275466998995,40820.712307036003,46101.59165799999,46779.937895000003,39218.450504,null,null,43818.97215635101,40820.712,32738.239000000001]
["Net interest margin (avg. assets)",9.1445252728026248E-3,7.9880818182188219E-3,0.11564434545838029,0.14477110787050829,null,1.7301425980382893E-3,1.0645227498679581E-3,6.6561984817033112E-2,0.62527536236580539,null,null,1.7301425980382893E-3,1.0645227498679581E-3,2.5923670070767742E-2,7.0592868463403135E-3,1.0386674546404065E-3,2.5331671756728892E-3,2.35E-2,6.4000377365042577E-3,9.2885284118516456E-3,1.1577913027746457E-3,1.4859668092188772E-2,5.5444658828875939E-3,null,null,7.9880818182188219E-3,7.9409173891936708E-3,1.205894474347443E-2]
["Net interest margin (avg. interest bearing assets)","–","–","–","–",null,"–","–","–","–"]
["NPL Ratio","–","–","–","–",null,"–","–","–","–",null,null,"–",0,"–","–",0,"–","–","–","-","-","-","-",null,null,"–","–","–"]
["NPL Coverage Ratio","–","–","–","–",null,"–","–","–","–",null,null,"–",0,"–","–",0,"–","–","–","-","-","-","-",null,null,"–","–","–"]
["Cost/income ratio",0.70346307254399065,0.89361715401151942,-19.015408146752875,-0.21279144051108667,null,"–",">500,0%","–","–",null,null,"–",">500,0%",0.19894353955276819,0.80482339636492661,"–",1.4211763048996742,0.21099999999999999,"–",0.7946628883394159,2.3004253071841507,0.57637107730782366,0.40750314745239219,null,null,0.89361715401151942,0.71940549097852802,0.43853657621992259]
["Provisioning ratio (avg. loans and advances to customers)",1.3787275161096166E-4,4.7018425558442356E-5,9.0854326052519294E-3,1.9323132362139681,null,"–","–","–","–",null,null,"–","–"]
["Average equity ",2402.9464811088587,1917.5044695638733,485.44201154498546,0.25316343155924792,null,2402.9464811088587,2351.0706069848106,51.875874124048096,2.2064787833223631E-2,null,null,2402.9464811088587,2351.0706069848106,2042.5687054880464,2324.4735074743171,1917.5044695638733,1881.3999889324555,1877,1932.3930636050679,2043.1758740545479,2146.9613112377942,2177.8058603568761,2196.5979684920021,null,null,1917.5044695638733,2043.1759999999999,2048.328]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–",0.37119557709894069,0.22014788074226052,"–",0.2613454741261832,"–","–",-5.8231545934570188E-2,-3.5292505808054216E-2,0.14602301719574762,0.14851767388000142,null,null,"–",5.3383813977086941E-2,9.7274909155867471E-3]
["Business outlets",1,1,"–",0,null,1,1,"–","–",null,null,1,1,1,1,1,1,1,1,1,1,1,1,null,null,1,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as of 1-3, 1-6, 1-9, 1-12"]
[]
[]
["Back to Contents"]

{"sheet":"Asset Quality","index":8,"n_rows":66,"n_cols":10,"rows_kept":66,"cut":false,"hidden":false,"merged":[[62,0,62,1],[57,0,57,1],[5,0,5,1],[22,0,22,1],[39,0,39,1]]}
["Asset quality"]
[]
[]
["Corporate customers"]
[]
["Internal Rating\n€ thousand",null,"31/12/\n2012","Proportion","31/12/\n2011","Proportion"]
[0.5,"Minimal Risk",1185493.42337934,1.4654570376533508E-2,1266170.30249785,1.4200187101281217E-2]
[1,"Excellent credit standing",8438769.5142782405,0.10431651437239947,7899653.4512703102,8.8595157240714692E-2]
[1.5,"Very good credit standing",8983094.2640949991,0.11104522766305618,8938731.1613616105,0.1002484852858908]
[2,"Good credit standing",12419278.452461399,0.15352188929784114,12745700.555405099,0.14294390909864485]
[2.5,"Sound credit standing",11745453.9300404,0.14519235436283973,15629626.2628657,0.175287334427249]
[3,"Acceptable credit standing",12450870.406199399,0.15391241572359388,14551590.493174601,0.16319708906192359]
[3.5,"Marginal credit standing",11275789.2215204,0.13938655705629655,12505943.4276413,0.14025501640672555]
[4,"Weak credit standing/sub-standard",5223169.1045240499,6.4566616500149485E-2,6384398.6798116099,7.1601470673927456E-2]
[4.5,"Very weak credit standing/doubtful",3361390.7651995299,4.1552096840172824E-2,3803250.4415587001,4.2653715504637382E-2]
[5,"Default",4925690.3283084603,6.0889309164989795E-2,4609661.2377689695,5.1697668094655126E-2]
["NR","Not rated ",886816.22425357497,1.0962448642127339E-2,831021.83679823193,9.3199671043503376E-3]
["Total",null,80895815.634259805,0.99999999999999989,89165747.850153983,1]
[]
[]
["Financial institutions"]
[]
["Internal Rating\n€ thousand",null,"31/12/\n2012","Proportion","31/12/\n2011","Proportion"]
["A1","Minimal Risk",95668.348110431005,2.9234118739213982E-3,85186.705316566789,2.1938618816070505E-3]
["A2","Excellent credit standing",985963.48359544692,3.01288504727674E-2,3409172.0261333701,8.7798354545830029E-2]
["A3","Very good credit standing",19974121.9038857,0.6103647266656026,24221050.677602299,0.62377855343268329]
["B1","Good credit standing",7338379.6364878593,0.22424455515724021,5233224.5678205304,0.13477422157091237]
["B2","Average credit standing",1781660.53043869,5.444358194592535E-2,2992969.1608371502,7.7079644416170448E-2]
["B3","Mediocre credit standing",1047219.15886717,3.2000687626553309E-2,1276922.0962549301,3.2885304136896304E-2]
["B4","Weak credit standing ",696652.35764317901,2.1288146127270167E-2,620881.32447965303,1.5989911403613208E-2]
["B5","Very weak credit standing ",330228.28306711902,1.0091041633840364E-2,370185.933263238,9.533609793632998E-3]
["C","Doubtful/high default risk",157261.066201373,4.8055483064048665E-3,184309.73465416901,4.7466338763104497E-3]
["D","Default",269207.28659799899,8.2263757421451884E-3,352390.58305752702,9.0753159748842051E-3]
["NR","Not rated ",48533.456356971299,1.4830744483289131E-3,83273.459431422001,2.1445889674596781E-3]
["Total",null,32724895.511251945,1,38829566.268850856,1]
[]
[]
["Sovereigns"]
[]
["Internal Rating\n€ thousand",null,"31/12/\n2012","Proportion","31/12/\n2011","Proportion"]
["A1","Minimal Risk",1560975.6317443398,8.2499777943229421E-2,9567285.1724874303,0.35575313079071619]
["A2","Excellent credit standing",792834.12882725894,4.1902409136887399E-2,465011.75709345599,1.7291152658040657E-2]
["A3","Very good credit standing",3860525.1456955299,0.20403423396701559,4518890.7847301802,0.16803194588492759]
["B1","Good credit standing",2730261.0391326598,0.14429817152481117,1785502.9745409901,6.6392739609740972E-2]
["B2","Average credit standing",1272111.43107188,6.7232894894840148E-2,758450.58336102299,2.8202480088777088E-2]
["B3","Mediocre credit standing",3414523.0440630396,0.18046238979557469,5513312.7744521201,0.20500886564770873]
["B4","Weak credit standing ",3794917.4655243102,0.20056677493983807,2253625.49875772,8.3799564072615865E-2]
["B5","Very weak credit standing ",1171674.7187906001,6.1924672080820767E-2,1658843.55280801,6.1682993321919781E-2]
["C","Doubtful/high default risk",232424.343426415,1.22839564765356E-2,155560.833167212,5.7844260341264183E-3]
["D","Default",83382.769042946107,4.4068977057941071E-3,139389.57246522,5.1831084691279046E-3]
["NR","Not rated ",7337.9587212452998,3.8782153465318891E-4,77172.106789918296,2.8695934222990249E-3]
["Total",null,18920967.676040221,1,26893045.610653274,1]
[]
[]
[]
["Retail customers"]
[]
["31/12/2012\n€ million",null,"Total","Proportion","CE","SEE","Russia","CIS other","Group Markets","Corporate Center"]
["Retail – private individuals",null,25855.999721126595,0.88747542073384844,13948.709468354429,6580.0752527721615,3680.9670000000001,1630.2539999999999,15.994,0]
["Retail – SME",null,3278.327965094184,0.11252457926615157,2265.3267789941838,800.3731861,55.22,157.40799999999999,0,0]
["Total",null,29134.327686220775,1,16214.036247348615,7380.4484388721621,3736.1869999999999,1787.662,15.994,0]
[]
["31/12/2011\n€ million",null,"Total","Proportion","CE","SEE","Russia","CIS other","Group Markets","Corporate Center"]
["Retail – private individuals",null,20778.317322240047,0.89001313785861402,9659.4179999999997,6614.9833222400466,2781.4319999999998,1710.895,11.589,0]
["Retail – SME",null,2567.7620089404072,0.10998686214138606,1527.5419999999999,845.70000894040686,48.052,146.376,9.1999999999999998E-2,0]
["Total",null,23346.079331180452,1,11186.96,7460.683331180453,2829.4839999999999,1857.271,11.680999999999999,0]

{"sheet":"NPL","index":9,"n_rows":36,"n_cols":29,"rows_kept":36,"cut":false,"hidden":false,"merged":[[8,5,9,5],[8,6,9,6],[8,7,9,7],[8,1,9,1],[8,2,9,2],[8,3,9,3],[8,4,9,4]]}
["Non-performing loans development "]
[]
["€ million","31/3/2006","30/6/2006","30/9/2006","31/12/2006","31/3/2007","30/6/2007","30/9/2007","31/12/2007","31/3/2008","30/6/2008","30/9/2008","31/12/2008","31/3/2009","30/6/2009","30/9/2009","31/12/2009","31/3/2010","30/6/2010","30/9/2010","31/12/2010","31/3/\n2011","30/6/\n2011","30/9/\n2011","31/12/\n2011","31/3/\n2012","30/6/\n2012","30/9/\n2012","31/12/\n2012"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"RI Group","RI Group","RI Group","RI Group","combined","combined","combined"]
["NPL as of reporting date"]
[]
["Central Europe",286,333,356,371,400.27632,466.52739000000003,530.13593999999989,571.29488000000003,635.05128000000002,718.03902000000005,750.92157999999995,820.25393399999996,995.45829900000001,1339.9025079999999,1580.9549989999998,1736.82888,1928.736382,2001.4226130000002,2265.4876139999997,2285.2873560000003,2232.3626140000001,2301.0551499999997,2362.50018,2477.7060699999997,2585.4942119999996,3326.1590179999998,3376.4851140000001,3447.0160139999994]
["Southeastern Europe",122,182,183,178,182.84364000000002,173.69372000000001,203.14941999999999,218.78154999999998,241.49892000000003,270.37342000000007,293.50852000000003,382.54447399999998,684.56911200000002,826.40935000000002,909.34014700000012,986.75831100000005,1055.8053910000001,1129.6542059999999,1205.7948849999998,1329.1778590000001,1377.0058160000001,1519.6663859999999,1563.5265359999999,1725.8313529999998,1817.0805459999999,1819.134945,1855.1464449999999,1807.4708529999998]
["Russia",115,141,157,188,237.44792000000001,239.09619000000001,284.15582000000001,98.492999999999995,120.35646787639001,147.92599999999999,132.00899999999999,177.7843161788872,281.74822772437381,546.96006722175878,620.5264384387159,647.61337049673261,777.81963426174582,804.30902381056364,708.63890546791617,668.41578856589899,657.7916436064653,598.68070399999999,544.13554099999999,524.11234999999999,566.45984599999997,543.22710099999995,528.27909299999999,488.193783]
["CIS other",null,null,null,null,null,null,null,160.11678999999998,181.13200000000001,368.68369676621279,304.96800000000002,399.84855800000003,689.79484500000001,916.78499299999999,971.49958400000003,1071.161998,1275.6555310000042,1488.7509079999966,1456.1305440000001,1427.6179910000001,1340.311819,1324.742475,1428.4106149999998,1505.7226939999998,1466.072408,1554.9371840000001,1492.0825780000002,1306.739536]
["Group corporates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,806.81713284,903.73264192000011,874.95931736000011,872.86563248999994,814.30305199999987,836.16652600000009,734.83851800000014,652.873468,712.21767,817.82408799999996,859.40639800000008,921.93057499999998]
["Group markets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,137.32812715999998,179.82486007999992,162.39553063999992,206.38207050999998,206.828914,177.906747,187.66029999999998,169.30275199999997,191.10650000000001,227.96248699999998,223.616479,211.59977900000001]
["Total",524,656,696,737,820.56788000000006,879.31730000000005,1017.4411799999998,1048.68622,1178.0386678763964,1357.0961367662128,1481.4071438194703,1780.4312821788872,2651.5704837243738,3630.0569182217587,4082.3211684387161,4442.3625594967325,5982.1621982617453,6507.6942528105637,6673.4067964679161,6789.746697565899,6628.6038586064651,6758.2179880000012,6821.0716899999998,7055.5486869999995,7338.4311819999994,8289.2448229999991,8340.3492040000001,8182.9505399999998]
[]
["NPL/Loans and advances to customers"]
[]
["Central Europe",2.35E-2,2.58E-2,2.5000000000000001E-2,2.2864782285008926E-2,2.3602954874458779E-2,2.5485526233492112E-2,2.6462602615803851E-2,2.6407229488390332E-2,2.6719497565602969E-2,2.7156101966649616E-2,2.7404419724027226E-2,3.1213084267978936E-2,3.9374227099477958E-2,5.3018849931210525E-2,6.2200882187276645E-2,7.0052814049811979E-2,7.62830915158626E-2,7.9755583112952291E-2,8.8119372365445467E-2,9.0625011068636588E-2,8.5327958660560713E-2,8.7175585145041659E-2,9.1068304765879737E-2,9.7620944663874817E-2,0.10001210794286419,0.10981445038932121,0.11147283084985915,0.11515540184561396]
["Southeastern Europe",1.6400000000000001E-2,2.1999999999999999E-2,2.0500000000000001E-2,1.7875693889232321E-2,1.7051080737862285E-2,1.4701224685814914E-2,1.5894397029826614E-2,1.5844961722519191E-2,1.6649064024327451E-2,1.7123549980318176E-2,1.7285652054243057E-2,2.2599428110112112E-2,4.1627435568610802E-2,5.2102998232114707E-2,5.8439880672214742E-2,6.4837838622019292E-2,7.0396602862758076E-2,7.456138848829208E-2,8.0925747077864249E-2,8.9984954164714123E-2,9.0530308224971254E-2,0.10046981083378838,0.10328770422225896,0.11264406676722158,0.11988989751138328,0.1230011483876879,0.12546911828348842,0.12465360990002897]
["Russia",1.6899999999999998E-2,1.61E-2,1.52E-2,1.8868446501874192E-2,2.095548155485321E-2,1.8407280482477004E-2,2.0596249290015477E-2,1.1343456715532991E-2,1.4414269332992329E-2,1.6312112421094791E-2,1.2853274201917208E-2,1.8900983280261775E-2,3.3356069485268203E-2,7.197843236151126E-2,9.214474877583341E-2,0.1010091014060512,0.11846516257011526,0.11222367600559877,0.1007249844994616,8.7932977847855212E-2,8.3869280919094916E-2,7.1809966568144298E-2,5.9023270790034249E-2,5.7768818618632999E-2,5.971879010206109E-2,5.7230568681677432E-2,5.7970427416686489E-2,5.0493144138459248E-2]
["CIS other",null,null,null,null,null,null,null,2.6524731336875499E-2,3.0559428938260108E-2,3.2951609316016435E-2,3.9064045113074736E-2,6.0820415051249924E-2,0.1045108459846144,0.15491193432240721,0.17651960921229456,0.19902573849742949,0.22973323630034756,0.24518943727130824,0.27079470002573358,0.26906243199156149,0.26264372862554086,0.27526906138906759,0.28063416035047434,0.29660470620067297,0.30249536889623174,0.31329994438743713,0.31302093546471804,0.28239486983005591]
["Group corporates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3.1470226115726245E-2,4.1632403469753623E-2,3.6581405607979976E-2,4.3298510915423291E-2,4.6298211729458562E-2,4.2556851452152773E-2,3.6475886885648928E-2,3.0023673409297048E-2,3.3355123298295854E-2,4.0634062873070205E-2,4.5772651145297542E-2,4.8191450103596475E-2]
["Group markets*",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.0642625780830988E-2,1.8500007361358504E-2,1.4251278408846288E-2,1.2622063457632431E-2,1.5180079426523963E-2,1.239316352630539E-2,7.2403499083088527E-3,8.3590200870601282E-3,8.5756250968125544E-3,9.2262362826386005E-3,9.8895567213711771E-3,1.1449543105874361E-2]
["Total",2.0400000000000001E-2,2.2599999999999999E-2,2.1399999999999999E-2,2.1036549782372623E-2,2.1691399826894428E-2,2.0987346844326463E-2,2.2426228924177338E-2,2.1454385858495614E-2,2.3031303079647153E-2,2.3965724255024138E-2,2.4256097704798581E-2,3.0748885160085861E-2,4.763695894765306E-2,6.7835959603291168E-2,7.8763932148975202E-2,8.7941504704585491E-2,7.6917080140370395E-2,8.5070633852735389E-2,8.8242357022520521E-2,8.974374069805216E-2,8.6017951976200671E-2,8.5082901021134041E-2,8.3878532343373308E-2,8.6490246233286355E-2,8.8974153009436008E-2,9.7650612533554296E-2,9.9564089531643266E-2,9.8183700484557157E-2]
[]
["Coverage LLP/NPL",null,null,null,1]
[]
["Central Europe",0.871,0.78700000000000003,0.80500000000000005,0.81899999999999995,0.80447400935433788,0.73781283452617841,0.68937658706934668,0.69954711654338642,0.70541331402402641,0.68806935450388207,0.70533159268108936,0.7243226644494215,0.64944082705367057,0.5746434460896751,0.56096513822888927,0.57521247573911838,0.57812202536017088,0.56497117933282781,0.5451873476232566,0.53327598052618808,0.57591595293397957,0.58701547051186498,0.63347148534439468,0.60730856485733209,0.60752407617611803,0.61865298712065375,0.61763181169914083,0.64029137200724373]
["Southeastern Europe",1.341,0.98599999999999999,1.0429999999999999,1.151,1.1105249490767095,1.139748023129449,1.0205677377764604,1.0228255673296034,1.0350976476416538,1.0159321911155319,1.0364518515510215,0.90728965803855832,0.65354069027876327,0.67195699262667041,0.70629816909764809,0.7574790358162995,0.67778487300602397,0.66929440461269796,0.66676611419694332,0.68203064787885537,0.62968456081524649,0.62482441616564133,0.62901940421432045,0.58582149261486982,0.56911471338156083,0.58095275874764751,0.59798184006977417,0.61975739028694588]
["Russia",null,null,null,null,null,null,null,2.6496908409734701,2.211422491006914,1.8723348160566771,2.2333174253270611,2.0678415222526692,1.5831096103161522,1.0847065209410356,0.89650000884149716,0.92813893039138939,0.85609003580721321,0.86634169269014272,0.88254709308408896,0.94286491920121085,0.98740619469708335,1.0351350762459182,1.0725837010617176,1.0015914691783165,0.97589961275560566,0.96299671638805096,0.97101587622737895,0.99967306893992125]
["CIS other",null,null,null,null,null,null,null,1.3676142270901135,1.1690921537883974,1.0790552507961242,0.9190439652684872,0.83137661084174774,0.67728714325199102,0.62438322766044685,0.6931285290636876,0.75354075994768421,0.72852756803035834,0.73754662334285037,0.71832581021801567,0.69552939420122495,0.72401718328128839,0.72908094512557997,0.71581670054027169,0.6822435658873055,0.68994199433088299,0.67767134798224726,0.68500954367888867,0.70188943697728601]
["Group corporates",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.63892149046699109,0.51930855611579441,0.45698495772360348,0.65185250263764805,0.67206202914120983,0.68979202355680036,0.75502574567001657,0.78955268557490221,0.52546997324567923,0.63291850606386146,0.61095658726990298,0.60599999999999998]
["Group markets*",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,">100%",">100%",">100%",">100%",0.72485151677160331,0.69325415862402484,0.71441441703960706,0.94394015491492478,0.77728068592735466,0.72171756942590581,0.7329150841376556,0.79781533925379022]
["Total",1.292,1.196,1.2410000000000001,1.1830000000000001,1.1237436408064134,1.1005437900516681,1.0199414318968294,1.0519506988467915,1.0005367863898256,0.95551062954900035,0.97336737777722127,0.92183377557342638,0.75695248092399403,0.68621344950037899,0.67444243165815554,0.69345642318509793,0.68936541541649277,0.66080999858632739,0.63969059266452044,0.6628896298506306,0.68336090788781678,0.68508431447683571,0.70537750679644329,0.68393956247303833,0.66792875622663317,0.65769849356107035,0.65814345890798265,0.67019572368367264]
[]
["* including exposure to banks"]
["Back to Contents"]

{"sheet":"Funding","index":10,"n_rows":36,"n_cols":24,"rows_kept":36,"cut":false,"hidden":false,"merged":[[32,0,32,3]]}
["Funding structure"]
[]
["€ million","31/12/2007","31/3/2008","30/6/2008","30/9/2008","31/12/2008","31/3/2009","30/6/2009","30/9/2009","31/12/2009","31/3/2010","30/6/2010","31/3/2010","30/6/2010","30/9/2010","31/12/2010","31/3/2011","30/6/2011","30/9/\n2011","31/12/\n2011","31/3/\n2012","30/6/2012","30/9/2012","31/12/\n2012"]
[null,"RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","RI Group","combined","combined","combined"]
["Customer deposits",40457.265952000002,42052.491000000002,43608.042000000001,45553.286999999997,44205.906000000003,40936.050999999999,42276.021000000001,42607.262000000002,42578.249000000003,42552.789282999998,43254.865846000001,54428.923374999998,55234.841946,55564.590454000005,57633,60862.943157936999,63625.122049277001,68936.003737597013,66747.234305767008,67748.806802306004,72011.145673427018,70942.022191237003,66297.150535260036]
["Medium- and long-term refinancing",10847.714260999999,11738.36377,13211.786364,17429.463733000001,16921.178257,17922.972143999999,16016.825971,13746.991462,11958.163640000001,13388.811021,12989.505243,29085.567228,27701.754409000001,26406.618139999999,26315.806260000001,27152.795411177998,24053.037940424001,24093.197755142999,23902.608953761002,22434.667946903002,22468.767599273004,23241.449737083003,23097.296940733999]
["Short-term refinancing",11399.683371000001,11692.983003000001,12451.279946999999,12376.030854000001,12685.368324999999,9990.9186919999993,9420.7908079999997,9885.3459239999993,10678.657319,9304.8644939999995,9390.9671449999987,38775.288560999994,39652.996881999992,35544.683888,23898.758097000002,28840.541792943979,26174.111216459001,28674.70432216601,28456.013214549988,30369.056128718999,30330.719546716988,26634.149790716008,20379.253858051001]
["Subordinated liabilities",1531.7659580000002,1524.9709290000003,1563.0744040000002,1613.731092,1684.4559999999999,1719.74,1772.3869999999999,2340.3910000000001,2470.2849999999999,2514.5355410000002,2571.0369890000002,4340.6774379999997,4222.8901059999998,4137.7492459999994,4001,4006.5197321350001,4098.5032953270011,4091.4591370289991,4150.7331369490003,3799.2990515910001,3788.3356401999999,3754.2550655810001,3937.0491068669999]
[]
["Total funding",64236.429542000005,67008.808702000009,70834.182715000003,76972.512678999992,75496.908582000004,70569.681836000003,69486.024778999999,68579.990386000005,67685.354959000004,67761.000339000006,68206.375222999995,126630.45660199999,126812.483343,121653.64172799999,111848.564357,120862.80009419398,117950.774501487,125795.36495193503,123256.589611027,124351.82992951901,128598.968459617,124571.87678461701,113710.75044091203]
[]
["Equity",6622.1376769999997,6846.2860630000005,7246.4553370000003,7586.7450849999996,6518.2052099999992,6216.4845529999993,6214.7320580000005,6861.7052990000002,7000.182127,7367.3279069999999,7469,9983.9996269999992,10053.355695,10055.226486,10404,10671.764026837029,10483.033480157988,10348,10935.785951264921,8171.6148486722441,10849.995615354077,11115.25452516101,10872.850310094656]
["Other liabilities",1884.2372949999999,2616.9709830000002,2618.6717130000006,2691.8774130000002,3381.8708279999996,3097.2488540000004,2161.7917360000001,2080.5853040000002,1589.7917259999997,2061.7738199999999,2439.6247770000045,8959.3169959999996,11046.565156000001,11370.123943000013,10920.435643000004,7928.2245840810501,9121.698828151013,12224.37641679302,12792.627254794104,16274.737276880875,13268.309577504471,11420.231106520981,11532.424996110902]
[]
["Balance-Sheet Total",72742.804514000003,76472.065748000023,80699.309765000013,87251.135176999989,85396.984620000003,79883.41524300001,77862.548572999993,77522.280988999992,76275.328811999992,77190.102066000007,78115,145573.77322500001,147912.404194,143078.992157,131173,139462.78870511206,137555.506809796,148367.74136872805,146985.00281708603,148798.18205507213,152717.27365247556,147107.36241629897,136116.02574711759]
[]
[]
["Customer deposits",0.62981809917607012,0.62756661123487278,0.61563556362972571,0.5918123939901998,0.58553266392340186,0.58007985773739346,0.6084104125176063,0.62127833148104228,0.62906147165500603,0.62798348711078045,0.63417628784081681,0.42982490022973158,0.43556312824977844,0.45674416042747346,0.51527706530095541,0.50357052054481355,0.53942097725246285,0.54800114268070743,0.54153075723097521,0.54481551932693828,0.55996674418146797,0.56948666121402947,0.5830332688703016]
["Medium- and long-term refinancing",0.16887168758200341,0.17517642825441912,0.18651710032651006,0.22643750510895289,0.2241307435604635,0.25397552713432925,0.23050427797447681,0.20045193043372497,0.17667283635054565,0.19758874506009969,0.19044415130595865,0.22968855999166179,0.21844658884309379,0.21706393466659543,0.23528067983067533,0.22465800386898671,0.20392437474092859,0.19152691169780964,0.19392560697316735,0.18041284924893086,0.17471965652919452,0.18657059953641975,0.2031232478123178]
["Short-term refinancing",0.17746446140108851,0.17449919241216119,0.17578066788880009,0.16078507019268046,0.16802500345059757,0.14157522652884189,0.13557820925808872,0.14414329702236303,0.15776909680784762,0.13731887734019421,0.13768459494140151,0.30620823458665142,0.31269001155625442,0.29217936580536397,0.21367067368624931,0.23862215479425603,0.2219070737524409,0.22794722470992701,0.2308680883054727,0.24421881162449946,0.23585507652218474,0.21380547903894931,0.17922011576768862]
["Subordinated liabilities",2.3845751840837891E-2,2.275776809854679E-2,2.2066668154964116E-2,2.0965030708166889E-2,2.2311589065537027E-2,2.4369388599435372E-2,2.5507100249828208E-2,3.4126441062869703E-2,3.6496595186600707E-2,3.7108890488925579E-2,3.7694965911823093E-2,3.4278305191955245E-2,3.3300271350873295E-2,3.401253910056725E-2,3.577158118212001E-2,3.3149320791943708E-2,3.4747574254167628E-2,3.2524720911555831E-2,3.3675547490384726E-2,3.055281979963136E-2,2.9458522767152859E-2,3.0137260210601573E-2,3.4623367549692009E-2]
[]
["Total funding",1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1]
[null,null,null,null,1]
["Additional information:"]
["Customer loans in € mn",48879.805538999994,51149.457927000003,56626.543906000006,61073.597733999995,57902.303544000002,55662,53512.280793999998,51830,50514.970999999998,51230.264262999997,52370,76072.319210999995,76497.540433000002,75625.890123999998,75657.06137000001,77061,79431,81320.827861849,81576.235405427986,82478.235912195029,84886.767301656015,83768.648347346971,83343.268787134977]
["Customer deposits in € mn",40457.265952000002,42052.491000000002,43608.042000000001,45553.286999999997,44205.906000000003,40936.050999999999,42276.021000000001,42607.262000000002,42578.249000000003,42552.789282999998,43254.865846000001,54428.923374999998,55234.841946,55564.590454000005,57633.112935000005,60863,63625,68936.003737596999,66747.234305767008,67748.80680230599,72011.145673427018,70942.022191236974,66297.150535260007]
["Loan to deposit ratio",1.208183607784886,1.2163240918831657,1.2985344287184462,1.3407067141828866,1.3098318478983328,1.3597305709825307,1.2657832863220499,1.2164592974784438,1.1864032031941942,1.2039225894756254,1.2107308386171522,1.3976451212691288,1.3849508342539905,1.3610446780240024,1.3127359866076962,1.2661387049603208,1.2484243614931239,1.179656833189729,1.2221665250088083,1.2174123767651017,1.1788003996856318,1.1808043492407578,1.2571169064469676]
[]
["Customer loans in € mn",null,null,null,null,null,null,null,null,null,null,null,null,null,null,75471.408629919999,75627.683195144025,77444.948156399987,79256.39202784904,80072.835001428,80260.331866195003,82489.602798655978,81667.67619434699,80553.271382134975]
["Customer deposits in € mn",null,null,null,null,null,null,null,null,null,null,null,null,null,null,56290.178778019981,57727.316485936972,59294.538331277014,64120.161599596999,62999.715292766981,65066.607005305996,69201.373773427025,68267.420388236962,66169.91416426003]
["Loan to deposit ratio*",null,null,null,null,null,null,null,null,null,null,null,null,null,null,1.3407562432434457,1.3100848575486406,1.3061059304267979,1.2360603911570176,1.2710031248446163,1.2335103298017371,1.1920226189256888,1.1962906424455872,1.2173700449749678]
["*Loan to deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
[]
[]
["Back to Contents"]

{"sheet":"Own Funds","index":11,"n_rows":70,"n_cols":17,"rows_kept":70,"cut":false,"hidden":false,"merged":[]}
["Own funds development (regulatory)"]
[]
["€ million","31/12/2007","31/12/2008","31/12/2009","31/12/2009","31/3/2010","30/6/2010","30/9/2010","31/12/2010","31/3/\n2011","30/6/\n2011","30/9/\n2011","31/12/\n2011","31/3/\n2012","30/6/2012","30/09/2012","31/12/\n2012"]
[null,"RI Group","RI Group","RI Group","combined","combined","combined","combined"]
["Available own funds"]
["Paid-in capital",3056.9250139999995,3036.6000680000002,3637.8649999999998,4924.1400000000003,5085,5046,5046,4913.8779999999997,4914,4914,4926,4933.0770000000002,4935.8919999999998,5658.0190000000002,5657.366,5668.6161549999997]
["Earned capital",1259.0992092964425,1546.20491581122,1512.0540000000001,2097.8838938699996,2177,2478,3680,2958.2289999999998,2897,2716,2477,3031.1010000000001,3325.2910000000002,2753.5749999999998,2802.49,3071.0118450000004]
["Non-controlling interests",1079.0892191281082,1005.0573631981905,1061.5709999999999,930.28099999999995,932.90599999999995,839.61699999999996,-513,1003.313,1089.9560114582805,1049.4649999999999,1071.7560000000001,1171.0160000000001,1039.3414,844.41140000000007,847.9434,848.31040000000007]
["Hybrid tier 1 capital",500.00000199999999,500.00000199999999,1150,800,800,800,800,800,800,800,800,800,441.2516,441.2516,441.2516,441.2516]
["Intangible fixed assets",-202.83090813201872,-227.64599999999999,-289.483,-372.76876300000004,-379.34156335999995,-383.14222999999998,-398,-469.346,-465.17599999999999,-462.613,-468.33699999999999,-501.178,-501.49200000000002,-739.03099999999995,-735.93600000000004,-750.40899999999999]
["Core capital (tier 1 capital)",5692.2825362925323,5860.2158760000002,7072.0069999999996,8379.5361308699994,8615.2243305100001,8780.4558508299997,8614,9206.0740000000005,9236.3269999999993,9017.3209999999999,8806.3590000000004,9434.0159999999996,9240.2839999999997,8958.2260000000006,9013.1149999999998,9278.7810000000009]
["Deductions from the core capital",-11.185882208201511,-13.77,-13.058999999999999,-23.729494942975002,-22.074217560304998,-22.15874733271,-25,-14.845000000000001,-25.812999999999999,-22.934999999999999,-21.372499999999999,-18.590499999999999,-12.445499999999999,-10.222,-15.7895,-13.595000000000001]
["Eligible core capital (after deductions)",5681.096654084331,5846.4458759999998,7058.9480000000003,8355.8066359270251,8592.1501129496955,8757.2971034972888,8589,9191.2289999999994,9209.5139999999992,8993.3860000000004,8783.9865000000009,9415.4254999999994,9227.8384999999998,8948.0040000000008,8997.3255000000008,9265.1859999999997]
["Supplementary capital according to Section 23 (1) 5 BWG",91.001000000000005,91.001000000000005,91.001000000000005,599.95600000000002,596.39099999999996,597.72,599,599.79200000000003,599.65700000000004,599.90099999999995,599.99900000000002,598.74199999999996,600,638.0334417176,634.78700000000003,33.844000000000001]
["Provision excess of internal rating approach positions",0,58.337000000000003,7.883,202.72200000000001,206.04599999999999,215.072,215,230.55500000000001,229.101,233.238,241.05199999999999,233.696,207.92400000000001,236.137,229.27600000000001,225.893]
["Hidden reserves",null,null,0,55,55.4,55.4,55,55.4,55.4,55.4,55.4,0,0,0,0,0]
["Long-term subordinated own funds",865.92,897.04100000000005,1003.079,2538.0859999999998,2517.5880000000002,2584.8389999999999,2475,2480.1709999999998,2425.9549999999999,2455.4609999999998,2363.6179999999999,2535.5709999999999,2523.605,2528.029,2479.9679999999998,3080.221]
["Additional own funds (tier 2 capital)",956.92100000000005,1046.3789999999999,1101.963,3395.7640000000001,3375.4250000000002,3453.0309999999999,3344,3365.9180000000001,3310.1129999999998,3344,3260.069,3368.009,3331.529,3402.1994417176002,3344.0309999999999,3339.9580000000001]
["Deduction items: participations, securitisations",-11.185882208201511,-12.773999999999999,-13.058999999999999,-23.729494942975002,-23.074217560304998,-23.15874733271,-26,-14.845000000000001,-26.812999999999999,-23.934999999999999,-22.372499999999999,-18.590499999999999,-12.445499999999999,-10.222,-15.7895,-13.595000000000001]
["Eligible additional own funds (after deductions)",945.73511779179842,1033.605,1088.904,3372.0345050570249,3352.3507824396952,3429.87225266729,3319,3351.0729999999999,3283.3,3320.0650000000001,3237.6965,3349.4185000000002,3319.0835000000002,3391.9774417176,3328.2415000000001,3326.3629999999998]
["Deduction items: insurances",null,-0.996,-0.96399999999999997,-0.96499999999999997,-0.98499999999999999,-1.0740000000000001,-1,-3.8170000000000002,-3.7810000000000001,-4.5529999999999999,-6.056,-7.0750000000000002,-7.3419999999999996,-7.1980000000000004,-8.3610000000000007,-8.3659999999999997]
["Tier 2 capital available to be redesignated as tier 3 capital ",57.43,112.455,181.58099999999999,292.41500000000002,300.87099999999998,141.61099999999999,144,69.078000000000003,84.757000000000005,187.22,180.27799999999999,100.07899999999999,116.989,121.202,98.662000000000006,302.07]
["Total own funds",6684.2617718761303,6991.5098760000001,8328.4689999999991,12019.291140984049,12244.386895389391,12327.706356164579,12051,12607.563,12573.79,12496.118,12195.905000000001,12857.848,12656.569,12453.985441717601,12415.868,12885.253000000001]
["Total own funds requirement",4317.1196799999998,5766.81501951681,5116.8159999999998,7136.8284941754764,7181.9887581864059,7359.0663923673983,7104,7584.8509999999997,7559.6869999999999,7702.0249999999996,8067.8630000000003,7624.1279999999997,6897.9949999999999,6754.3990000000003,6723.2280000000001,6625.7250000000004]
["Excess own funds",2367.1420918761305,1224.6948564831903,3211.6529999999998,1,5062.3981372029857,4968.6399637971799,4947,5022.7120000000004,5014.1030000000001,4794.0929999999998,4128.0420000000004,5233.72,5758.5739999999996,5699.5864417176008,5692.64,6259.5280000000002]
["Excess cover ratio",0.54831514234882883,0.21236936720501998,0.628,0.68412217706972478,0.70487413829945078,0.6751725964791544,0.69599999999999995,0.66220312040407903,0.66326859828984985,0.62244578536164186,0.51166486094273034,0.68646801312884564,0.83481852335352524,0.8438332472981831,0.84671232330660207,0.94473102943451481]
["Core tier 1 ratio, total",9.6000000000000002E-2,7.3999999999999996E-2,0,8.469651910053308E-2,8.6796572652028128E-2,8.6503332670028438E-2,8.7999999999999995E-2,8.8505145428905183E-2,8.89932506464884E-2,8.5103707141952936E-2,7.9168290289510376E-2,9.0401683459435223E-2,0.1019030779186017,0.10075510670897592,0.10180911788206497,0.10654151373120216]
["Tier 1 ratio, credit risk",0.11407295473009849,9.6826062088530229E-2,0.14099999999999999,0.11842989864473537,0.12107212833225159,0.12034345172073835,0.122,0.12157499249765009,0.12281509451827037,0.11755716295226006,0.10920845042711678,0.12203974083767131,0.12987548807078816,0.12929571939315715,0.13081111003684881,0.13598000040727137]
["Tier 1 ratio, total",0.10506840101085417,8.0922586991372059E-2,0.11,9.3664087825525114E-2,9.570775340639083E-2,9.520008801747018E-2,9.7000000000000003E-2,9.6943014437594094E-2,9.7459209620715775E-2,9.3511735905410898E-2,8.7100998120567985E-2,9.8796090516843363E-2,0.10702052987860966,0.10598134933988945,0.10705959101788605,0.11186924902557834]
["Own funds ratio",0.12386521138790631,9.6989549376401599E-2,0.13,0.13472977416557799,0.13638993106395605,0.13401380771833235,0.13600000000000001,0.13297624963232632,0.133061487863188,0.12993256224728389,0.12093318887541843,0.13491744105030765,0.14678548186828203,0.14750665978385463,0.14773698586452816,0.15557848235476118]
[null,null,null,0,0,null,null,null,0,0,0,0,0,0,0]
["Required own funds","(Basel I)"]
[]
["Risk-weighted assets according to Section 22 BWG"]
["of which 8 per cent minimum own funds for the credit risk",49802.310000000005,60387.5625,50089.599999999999,70554.874500000005,70967.201380740007,72769.203295073661,70510,75601.3125,74986.824999999997,76502.237500000003,80433.212499999994,77150.487500000003,71051.425000000003,69205.725000000006,68781.05,68136.387499999997]
["according to Sections §§ 22a to 22h BWG",3984.1848000000005,4831.0050000000001,4007.1680000000001,5644.3899599999995,5677.3761104592004,5821.5362636058917,5641,6048.1049999999996,5998.9459999999999,6120.1790000000001,6434.6570000000002,6172.0389999999998,5684.1139999999996,5536.4579999999996,5502.4840000000004,5450.9110000000001]
["Standardized approach",3984.1848000000005,4053.174,2861.6680000000001,2941.43496,2930.0978736592001,2953.9114808858917,2772,2974.0349999999999,2944.2660000000001,3010.337,3220.636,3056.0990000000002,2911.7930000000001,2387.962,2445.473,2439.0059999999999]
["Internal rating approach",0,777.83100000000002,1145.5,2702.9549999999999,2747.2782368000003,2867.62478272,2868,3074.07,3054.68,3109.8420000000001,3214.0210000000002,3115.94,2772.3209999999999,3148.4960000000001,3057.011,3011.9050000000002]
["Settlement risk",7.8945001935503082E-3,0,1.7000000000000001E-2,1.7000000000000001E-2,259,1580,0,2.7E-2,0.20699999999999999,7.0000000000000007E-2,8.9999999999999993E-3,7.3748800000000003E-3,1.8472947199999998,0,0,8.2103999999999999E-4]
["Own funds requirement for position risk in bonds, equities and commodities ",146.22810549980645,152.14263098889001,136.18899999999999,387.66045117547617,390.91948272720526,417.40930576150703,368,326.65476485461181,331.90788455304823,345.05755276023075,376.85122393445698,519.91220131534465,300.00530195202157,293.82166608299229,305.69401116461188,273.35266334739225]
["Own funds requirement for open currency positions ",186.69868,343.23372352792001,399.10899999999998,404.55200000000002,374.74,369.78199999999998,368,385.62200000000001,405.39511544695176,430.27744723976929,468.728776065543,140.13879868465534,89.403698047978423,69.532333917007719,63.919988835388118,55.977336652607761]
["Own funds requirement for the operational risk",0,440.43366499999991,574.33299999999997,700.20908299999996,738.93516499999987,750.31082300000003,727,824.44200000000001,823.23099999999999,806.44100000000003,787.61699999999996,792.03099999999995,822.625,854.58699999999999,851.13,845.48299999999995]
["Total own funds requirements",4317.1194800000003,5766.8150195168109,5116.8159999999998,7136.8284941754764,7181.9887581864059,7359.0663923673983,7104,7584.850764854612,7559.6869999999999,7702.0249999999996,8067.8630000000003,7624.1283748799997,6897.9952947199999,6754.3990000000003,6723.2280000000001,6625.7248210400003]
[]
[]
["Risk weighted assets by asset classes","(Basel I)"]
[]
["Risk-weighted assets according to section 22 BWG on standardized approach",null,50664.675000000003,35770.85,36768.112000000001,36798.335920740006,37014.831011073657,34656,37175.442499999997,36803.32499999999,37629.212500000001,40257.949999999997,38201.237500000003,36397.412500000006,29849.525000000001,30568.412500000002,30487.574999999997]
["Central governments and central banks",0,3927.4625000000001,2604.7379999999998,2678.5124999999998,2813.1125000000002,3191.0749999999998,3291,3712.3874999999998,3657.5625,3468.9375,3465.125,3518.1875,2707.8,2087.9250000000002,2053.4250000000002,2063.35]
["Regional governments",0,498.4,126.675,126.72499999999999,126.72499999999999,92.012500000000003,91,95.174999999999997,111.96250000000001,108.55,113.66249999999999,99,86.862499999999997,75.674999999999997,101.325,97.512500000000003]
["Public administration and non-profit organisations",0,52.862499999999997,38.424999999999997,38.424999999999997,35.799999999999997,39.737499999999997,50,41.637500000000003,28.612500000000001,26.462499999999999,36.237499999999997,22.25,6.6875,3.4750000000000001,3.1124999999999998,4.2]
["Multilateral development banks",0,27.5,0,0,0,0,0,0,0,0,0,0,0,0,0,1.1499999999999999]
["Banks",0,1824.2874999999999,1683.7629999999999,912.35,947.45,747.73749999999995,765,1013.2625,956.52499999999998,755.27499999999998,935.9,699.48749999999995,507.86250000000001,359.8125,401.9375,368.22500000000002]
["Corporates",0,28438.012500000001,17545.988000000001,17965.625,18350.628000000001,18384.525000000001,18006,18800.171999999999,18775.099999999999,19717.45,21854.387500000001,21186.0625,20615.212500000001,12991.7,13656.075000000001,13242.525]
["Retail (including small and medium-sized entities)",0,13585.8125,11450.513000000001,11455.45,11471.875,10670.275,9949,10088.582999999999,10179.4125,10322.375,10328.612499999999,9443.875,9360.3374999999996,11345.225,11297.8375,11397.075000000001]
["Covered Bonds",null,null,null,null,null,null,null,null,null,null,null,1.3125,1.3,1.325,1.3,1.3125]
["Mutual funds",0,68.900000000000006,122.925,0,189.71250000000001,117.6125,122,124.5125,129.72499999999999,128.41249999999999,116.5,117.575,144.88749999999999,89.4375,92.05,111.22499999999999]
["Securitisation positions",0,0,2.7130000000000001,192.51249999999999,189.71250000000001,117.6125,16,18.05,19.7,11.425000000000001,2.5625,0,0,0,0.13750000000000001,0]
["Other positions",0,2241.4375,2195.11,18.774999999999999,2673.3204207399999,3654.243511073646,2366,3281.6624999999999,2944.7249999999999,3090.3249999999998,3404.9625000000001,3113.4875000000002,2966.4625000000001,2894.95,2961.2125000000001,3201]
["Risk-weighted assets on internal approach",null,9722.8874999999989,14318.75,3379.7370000000005,34340.977960000004,35845.309784000005,35854,38425.875,38183.5,38873.025000000001,40175.262499999997,38949.25,34654.012499999997,39356.199999999997,38212.637499999997,37648.8125]
["Central governments and central banks",0,0,679.91099999999994,33786.9375,872.05,875.95,756,878.51250000000005,957.88750000000005,923.65,817.5,38.837499999999999,42.674999999999997,204.86250000000001,191.86250000000001,402.65]
["Banks",0,384.25,1669.6130000000001,753.1875,6200.2779600000003,5698.934784,5077,5047.6875,4861.9624999999996,4735.3625000000002,4653.4624999999996,4378.8125,4048.9,3944.3375000000001,3671.75,3702.15]
["Corporates",0,9334.4,11816.963,6489.5124999999998,26917.162499999999,27741.262500000001,27384,29586.424999999999,29547.65,30138.662499999999,31672.262500000001,32097.35,28273.012500000001,32061.0625,30663.3125,30537.674999999999]
["Retail (including small and medium-sized entities)",null,null,0,26232.224999999999,0,1155.1375,2280,2464.6624999999999,2393.3125,2667.6875,2603.0625,2170.5749999999998,2111.7375000000002,3002.0374999999999,3052.7249999999999,2811.8375000000001]
["Equity exposures",0,4.2374999999999998,152.26300000000001,209.27500000000001,211.3125,206.15,212,313.5,284.03750000000002,267.0625,243.41249999999999,225.72499999999999,153.1,99.075000000000003,100.7625,90.237499999999997]
["Securitisation positions",0,0,0,102.7375,140.17500000000001,167.875,147,135.08750000000001,138.65,140.6,185.5625,37.950000000000003,24.587499999999999,44.825000000000003,532.22500000000002,104.2625]
["Total",null,60387.5625,50089.599999999999,70555.049499999994,70967.201380740007,72769.203295073661,70510,75601.317500000005,74986.824999999997,76502.237500000003,80433.212499999994,77150.487500000003,71051.425000000003,69205.725000000006,68781.05,68136.387499999997]
[0]
[]
["Back to Contents"]

{"sheet":"LLSFR","index":12,"n_rows":21,"n_cols":7,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
["LLSFR (Austrian Finish)"]
[]
[]
[]
["As per Definition of Austrian National Bank (OeNB)","31/12/2010","31/12/2011","31/3/\n2012","30/6/2012","30/9/2012","31/12/\n2012"]
["Raiffeisenbank a.s., Prag (CZ)",1.0565332629764841,0.92279375423360266,0.91128992619470894,0.85992808339674542,0.8473900086277012,0.87008849113536946]
["Raiffeisen Bank Zrt., Budapest (HU)",1.0390905944322375,0.89879230995722093,0.84901398129596573,0.8624223371505928,0.81035708387148742,0.80157754092170486]
["Tatra banka a.s., Bratislava (SK)",0.73482400630364209,0.76645232886640025,0.74944652902577324,0.77234296463665253,0.78983786694718683,0.78972872947513884]
["Raiffeisen Banka d.d., Maribor (SI)",2.3121132358011107,2.2151698312752202,2.1672929208722778,2.1402723143634277,2.072104087897134,1.9232840913946458]
["Raiffeisen Bank Polska S.A., Warschau (PL)",0.97523604881916426,0.91920127753884284,0.90296097822317689,0.8177322860417563,0.85655012975559175,1.0654087709941837]
["Raiffeisen Bank Sh.a., Tirana (AL)",0.41304369170948979,0.44299977469885671,0.43521449341671664,0.41897307115014615,0.40748667542066197,0.42697248684345174]
["Raiffeisen Bank d.o.o., Sarajewo (BA)",0.70533379093877957,0.70840380259818625,0.67795458764526828,0.68279287845922698,0.69740188513558554,0.68424835949448526]
["Raiffeisenbank (Bulgaria) EAD, Sofia (BG)",0.99688363262696156,1.0217082038997849,0.99537606241333509,0.95670853614971496,0.94347342297300907,0.96154541111425529]
["Raiffeisenbank Austria d.d., Zagreb (HR)",1.0355377266639278,1.0197799018210552,1.0213120335608963,1.0035686163418267,0.93697387256417974,0.90998627011358835]
["Raiffeisen Bank Kosovo J.S.C., Pristina (RS)",0.62428550233756297,0.70497676606426785,0.72065043342031454,0.73763003001001981,0.73291333253882618,0.75090200811755592]
["Raiffeisen Bank S.A., Bukarest (RO)",0.75277325479558577,0.84054706428623949,0.78735539270241639,0.82889158722056944,0.81341322729049437,0.83362672745370148]
["Raiffeisen banka a.d., Belgrad (RS)",0.78760715572365791,0.78220835172781844,0.80876622880139859,0.82866995117853748,0.82376180720668069,0.80075776114891362]
["Priorbank JSC, Minsk (BY)",1.0589392426292306,0.89721739025158109,0.82440848454042259,0.77030635080015286,0.72672465872370484,0.81052532733664751]
["Raiffeisen Bank Aval JSC, Kiew (UA)",1.0513595144278696,1.0437199371257846,0.94677275927079241,0.91745161556950305,0.90071088816200562,0.85616149746242232]
["ZAO Raiffeisenbank, Moskau (RU)",0.89207859222213814,0.87027639991578809,0.82068232380469552,0.79641916178886429,0.80295727815177498,0.9063356347212449]
["Polbank EFG S.A., Warsaw (PL)",null,null,null,1.3496107202538874,1.35215508843613,0]

{"sheet":"Country Overview","index":13,"n_rows":165,"n_cols":15,"rows_kept":165,"cut":false,"hidden":false,"merged":[[28,6,31,6],[160,6,163,6],[129,6,132,6],[97,6,100,6],[64,6,67,6]]}
["Country and Segment Overview"]
[]
[]
[]
["1/1-31/12\n2012","Total assets\nin € million","Share of \ntotal assets","Profit after tax\nin € million","Share of \ntotal profit","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin \n(avg. assets)","Net interest margin \n(avg. interest bearing assets)","Provisioning ratio\n(avg. loans)\n(annualised)","Loan growth \nYoY","NPL Ratio","NPL Coverage Ratio"]
["Czech Republic",8937.9743373639994,6.5664380623106325E-2,77.827102901000003,0.1040910512395507,132,3066,1.0097125604452846,2.875707554463652E-2,3.1355149561497132E-2,1.1603276233648357E-2,-2.4038391893354105E-2,6.8342613594713844E-2,0.60244312408978318]
["Hungary",7155.2684654619998,5.2567422353460735E-2,-173.74991044800001,-0.23238447991975464,125,2865,1.0618008253612687,3.2416167711943854E-2,3.4257432641555341E-2,4.468486121749498E-2,-5.9828865071643533E-2,0.28069319732236803,0.61093564634911779]
["Slovakia",9666.9035449999992,7.1019585631630203E-2,105.75546199999999,0.14144426303401447,163,3827,0.91873390663448695,2.9749735795267209E-2,3.175000793914811E-2,6.1074802505680934E-3,1.4530201348785798E-3,5.1462863932636015E-2,0.64154300136328957]
["Slovenia",1611.5708079999999,1.1839684803660828E-2,-25.384414,-3.3950773443553392E-2,17,310,2.4756491187670928,1.4807805356363495E-2,1.5726354742612504E-2,2.6655036835688813E-2,-5.9647354997496294E-2,0.14659864244906481,0.43459611852625357]
["Poland",13428.23101399,9.8652831068397243E-2,0.88695713899999995,1.1862744154870501E-3,416,6656,1.3227735368763427,2.4043204031653283E-2,2.5310655670369057E-2,1.6062840440947617E-2,0.95702764924240191,9.7690660210074887E-2,0.73444798318448135]
["Reconciliation",-12.805173759988065,"–","–","–","–","–","–","–","–","–","–","–","–"]
["Segment CE",40787.142996056013,0.29964982904750254,-14.661542408000038,-1.9609304537306221E-2,853,16724,1.1138117329845381,2.6802343503520499E-2,2.8545318814533874E-2,1.8244756694875582E-2,0.17937578619996986,0.11515540184561394,0.64029137200724373]
["Albania",2289.4832274300002,1.6820086118139291E-2,37.302198709000002,4.989039720655631E-2,105,1388,0.4781872154205063,3.3329912677967422E-2,3.9068179101762718E-2,2.0827102494051744E-2,2.6657609491063106E-3,0.11618472890960717,0.72265643076631614]
["Bosnia and Herzegovina",1983.14684098,1.4569532657220286E-2,19.477241372999998,2.605013490404497E-2,98,1561,0.82505568304511856,3.5260464486392785E-2,3.7174510031937003E-2,1.5695021062781377E-2,-7.27995860019649E-2,0.10747517713773763,0.5555876318648002]
["Bulgaria",3485.9323915969999,2.5610007676051209E-2,10.350492667999999,1.3843425008764374E-2,183,3119,1.3372365683535656,3.7519374577513143E-2,3.9189448546684824E-2,2.579113912647155E-2,-3.0636582540197854E-2,0.18181193259046827,0.50475872938121524]
["Croatia",5097.1194400240001,3.7446873123365948E-2,45.362565566000001,6.0670858360157627E-2,79,2066,1.1596876510067733,2.7809057423502582E-2,3.1761189996489997E-2,1.4108600730086981E-2,-7.9613039092938154E-2,0.12206340504911987,0.6186849655404546]
["Kosovo",628.928358,4.6205314006928554E-3,12.935788000000001,1.7301167862367697E-2,52,688,0.83348305801193434,5.8690339794071497E-2,5.9642676859842841E-2,1.0966070875000757E-2,-4.0622620372776641E-4,8.0585046185055548E-2,0.76981638266910335]
["Romania",5981.9346079500001,4.394732141005523E-2,86.104384096000004,0.1151616277980653,527,5486,1.117556153418104,4.8677125087670373E-2,5.0836774091262471E-2,2.2933769937751564E-2,-4.5685337934153081E-2,9.9357589051490225E-2,0.69521236201525971]
["Serbia",1883.0775209139999,1.3834356019484805E-2,47.175504220999997,6.3095600942080748E-2,85,1769,1.0572457128163399,4.534989216470791E-2,4.7702726514531911E-2,1.2041695482391005E-2,-9.4947001053959146E-2,0.12466668548133823,0.75903145276534234]
["Reconciliation",-3.7585145570144505,-2.7612579890453065E-5,8.0500700000000052,1.0766689464438534E-2,"–","–","–","–","–","–","–","–","–"]
["Segment SEE",21345.863872337985,0.15682109582511916,266.758244633,0.35677990154647554,1129,16077,1.0215861378274915,3.8725506712292856E-2,4.2104441189997392E-2,1.9275420627996833E-2,-5.3596343549858427E-2,0.12465360990002901,0.61975739028694588]
[]
["Segment Russia",15635.306598959996,0.11486749513043087,472.86308923000036,0.63243798388517125,186,8155,1.0062057962118229,4.7464870213413196E-2,5.2866572277511889E-2,-1.7025132000222584E-3,6.5685171716285184E-2,5.0493144138459248E-2,0.99967306893992125]
["Belarus",1354.6681545460001,9.9523048467762623E-3,25.794355016000001,3.4499055336506927E-2,100,2190,0.99621585346746766,5.0269836474191212E-2,5.4632085531412349E-2,-2.2351266567552177E-2,0.12571422937366128,1.0932341917152285E-2,3.6356689854082656]
["Ukraine",4922.1413027190001,3.6161365851244347E-2,33.443050964999998,4.4728920926593953E-2,825,13849,1.4041748479209069,6.832234296017739E-2,7.580710552201253E-2,2.6836664904896626E-2,-0.12558451998610409,0.34655984743442503,0.68381765934553373]
["Kasachstan","–","–","–","–","–",11,"–","–","–","–",-0.22582140932872841,0.22534956216983898,0.23195097454655109]
["Reconciliation",46.981666456001221,"–",1.6356435469999937,"–","–","–","–","–","–","–","–","–","–"]
["Segment CIS other",6323.791123721001,4.645882966939717E-2,60.873049527999989,8.1415592786318894E-2,926,16050,1.3153791734372988,6.4933968212798829E-2,7.12006717167388E-2,1.8263747956025346E-2,-8.8481956580145793E-2,0.28239486983005591,0.70188943697728601]
["Segment Group corporates",18996.626218715999,0.13956201343810684,247.32631395399994,0.33079036812436996,8,3078,1.9804420942669383,1.9130691885895116E-2,1.934398481266315E-2,5.5864312333395554E-3,"–",4.8191450103596475E-2,0.60599999999999998]
["Segment Group markets",20242.596512079996,0.14871575057142089,190.51820472299994,0.25481149202117076,3,null,2.4320691735224682,7.0111726694193814E-3,8.4602241428713178E-3,3.7767409656651119E-3,"–",1.1527576201222215E-2,0.79781533925379022,"*"]
["Segment Corporate center",47341.359561035992,0.34780151923640523,-267.53322014500003,-0.35781640441915225,1,null,"–",1.1251317614825028E-2,"–",1.3787275161096166E-4,"–","–","–"]
["Reconciliation",-34556.663971409995,-0.25387653291838269,-208.4612025650022,-0.27880962940704801,"–",null,"–","–","–","–","–","–","–"]
["Total RBI Group",136116.02291149698,1,747.68293694999807,1,3106,60084,1.2571169064469676,2.3725181757648036E-2,2.6556933098486168E-2,1.2123724456918516E-2,2.1661129285079017E-2,9.8183699896627202E-2,0.67019572769684488]
["* including exposure to banks"]
[]
[]
[]
["Vorquartale - OVK"]
[]
[]
["1/1-30/09\n2012","Total assets\nin € million","Share of \ntotal assets","Profit after tax\nin € million","Share of \ntotal profit","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin \n(annualised)","Provisioning ratio\n (average risk-weighted assets, credit risk)\n(annualised)","Provisioning ratio\n(average loans)\n(annualised)","Loan growth \nYoY","NPL ratio","Coverage ratio"]
["Czech Republic",9053.8755199469997,6.1537333067717997E-2,84601.129742999998,9.5161560211511911E-2,132,3044,1.008202724556043,2.9420689763673596E-2,8.8099341909907199E-3,7.2778447973351557E-3,-6.3310466373119434E-2,6.5576148433399567E-2,0.5919790516440987]
["Hungary",7400.8959540440001,5.0302370329716906E-2,-96701.138745999997,-0.10877196634671005,125,2904,1.0902357312052673,3.21343035723951E-2,3.0756647316208703E-2,3.5683229203087967E-2,-8.1850993003466432E-2,0.27665904973927902,0.57880575239740883]
["Slovakia",9793.7891419999996,6.6566374045949117E-2,84018.375,9.4506062457132015E-2,152,3823,0.92214907856154138,2.9778646465553692E-2,5.3808413067376725E-3,4.9085090238593218E-3,1.7726681048238824E-2,5.1895517516505708E-2,0.60041810486798186]
["Slovenia",1650.97649,1.1221348242337744E-2,-2493.9849999999997,-2.8052994618992613E-3,17,321,2.6040235903425484,1.4534047375795211E-2,1.1938871430670316E-2,1.3988626790990591E-2,-4.9903831738000504E-2,0.10472950733730087,0.41865899009239987]
["Poland",13711.394356692999,9.3193532370940455E-2,21940.051042999999,2.4678742408222275E-2,422,6471,1.3334919968736119,2.3322445054781597E-2,8.5026918820754766E-3,1.2928941244595359E-2,0.97501025164107435,9.2489114914193121E-2,0.72163465654974757]
["Reconciliation",-10.060044612007005," ",0," ","–","–","–","–","–",null,"–","–","–"]
["Segment CE",41600.871418071991,0.28275258199885128,91364.432040000029,0.10276909926825693,848,16563,1.1250336767268172,2.6802343503520499E-2,1.8605576393930782E-2,1.4642930561983944E-2,0.16759227030439638,0.11147283084985914,0.61763181169914083]
["Albania",2361.4880605899998,1.6050549513278146E-2,32346.508307999997,3.6384197319050592E-2,105,1419,0.45715230161153891,3.3446739360059007E-2,9.7989493107530218E-3,1.6843305662113277E-2,0.13197167913222474,0.11613270622958878,0.74479751207565947]
["Bosnia and Herzegovina",1989.8097053419999,1.3524328041537427E-2,17887.667637999999,2.012051572062953E-2,98,1558,0.85925528397716311,3.486131341651811E-2,1.1339204619246236E-2,1.5198354578930423E-2,-4.8349557020785583E-2,0.12687705795954446,0.47684120870290503]
["Bulgaria",3580.9057600229999,2.4338681258999146E-2,13323.097795000001,1.4986168351110671E-2,184,3136,1.2991312383241866,3.7790832540145786E-2,2.3463064461050617E-2,2.3326114280733799E-2,-1.1530886981947264E-2,0.18003124576153634,0.47742576839118095]
["Croatia",5292.8776512049999,3.5974602720271295E-2,43698.504526000004,4.9153219138282814E-2,79,2056,1.1695544877437596,2.8222891373002677E-2,1.166098861492721E-2,1.2092371274018191E-2,-2.9969676691729008E-2,0.11941469765064831,0.56156835739585775]
["Kosovo",649.35017300000004,4.4134998085013678E-3,10350.148000000001,1.164211677896127E-2,54,697,0.81402294070007009,5.8291213684175842E-2,9.5904920947176685E-3,1.2826501007121202E-2,1.2876372978729567E-2,8.5088753767828748E-2,0.74077410762640494]
["Romania",6090.3270577470003,4.1394702613064653E-2,72344.490466000003,8.1374972253500349E-2,530,5660,1.1058578312372842,4.9125898395031092E-2,2.0964850046983324E-2,2.2873161899787522E-2,-4.2585869540204935E-2,0.10321592037858811,0.72358990874252749]
["Serbia",1974.5112578660001,1.3420347634950713E-2,37683.535039000002,4.2387424369981649E-2,85,1776,1.0982554477957271,4.2307265559865762E-2,6.449773026768732E-3,8.9684048973917626E-3,-5.0642908935547015E-2,0.11200012574171544,0.75563275331634316]
["Reconciliation",-73.116940689008516,-4.9696083430341201E-4,2198.0100000000384,2.4723790520990718E-3,"–","–","–",null,"–",null,"–","–","–"]
["Segment SEE",21866.15272508399,0.14861975075629932,229831.96177200007,0.25852099298361597,1135,16302,1.02148453994518,3.8725506712292856E-2,1.7571971262842354E-2,1.6941591038244674E-2,-2.3247075077056589E-2,0.12546911828348842,0.59798184006977417]
[]
["Segment Russia",15442.539107589995,0.10495976782333639,382538.368029,0.43028914688242931,193,8018,0.90338514097190248,4.7464870213413196E-2,-2.8511255488658993E-3,-1.9312902550182281E-3,-1.1508133836184098E-2,5.7970427416686489E-2,0.97101587622737895]
["Belarus",1330.920981966,9.045996664479819E-3,19676.762181000002,2.2132935987297056E-2,100,2168,0.9277067977830501,5.1763039881697379E-2,2.1814416001315336E-3,3.2590123620274895E-3,-9.8114492407548659E-2,1.5275200145856024E-2,4.7036314643671293]
["Ukraine",4978.0799173019996,3.3834987153713872E-2,34215.774064000005,1,826,14494,1.508471000283276,6.79253384913234E-2,1.9802132423346976E-2,2.3929334505507788E-2,-5.431973708415061E-2,0.37383774856413265,0.65494928335526681]
["Kasachstan",0,"–","–","–","–",11,"–","–","–",null,-0.20170982833977669,0.21834250368201591,0.2618672254868834]
["Reconciliation",47.153834211000685,"–",564.57667700004822,"–","–","–","–","–","–",null,"–","–","–"]
["Segment CIS other",6356.1547334790002,4.3201478748223311E-2,54457.112922000058,6.1254782838178298E-2,927,16673,1.3788715321769693,6.4933968212798829E-2,1.8762215260196738E-2,2.0247226214434831E-2,-6.3501814657481614E-2,0.31302093546471804,0.68500954367888867]
["Segment Group corporates",20292.889381822009,0.13792660281713803,216809.72502800002,0.24387324100007632,-0.11162317728628302,3076,1.7567722038087632,1.9130691885895116E-2,3.0622692578305441E-3,2.0310324713285507E-3,"–",4.5772651145297542E-2,0.61095658726990298]
["Segment Group markets",20067.961868715,0.13639781669017342,173366.08948799997,0.19500670515350557,-0.22011193170712318,null,0.87632015678458752,7.0111726694193814E-3,8.4460204522782203E-3,8.1690161435777654E-3,"–",9.8895567213711771E-3,0.7329150841376556,"*"]
["Segment Corporate center",59017.752563390008,0.40113154730260292,287030.14668300003,0.32285900518194222,9.6266108776249082E-2,null,"–",1.1251317614825028E-2,-3.1980582934508457E-4,-1.2829968328113511E-3,"–",0,0]
["Reconciliation",-37516.146614093006,-0.25498954613662467,-546371.53631999821,-0.61457297330800464,"–",null,"–","–","–","–","–","–","–"]
["Total RBI Group",147128.17518405899,1,889026.29964200198,1,3115,60632,1.1808043492407578,2.3244195986606792E-2,1.1616776374412522E-2,9.9926338161074688E-3,3.0100781679896604E-2,9.9564089531643252E-2,0.65814345890798265]
["* including exposure to banks"]
[]
[]
[]
["1/1-30/6\n2012","Total assets\nin € million","Share of \ntotal assets","Profit after tax\nin € million","Share of \ntotal profit","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin \n(annualised)","Provisioning ratio\n (average risk-weighted assets, credit risk)\n(annualised)","Provisioning ratio\n(average loans)\n(annualised)","Loan growth \nYoY","NPL ratio","Coverage ratio"]
["Czech Republic",8889.5999358930003,5.8209524976389225E-2,43708.237538000001,5.9576671549057679E-2,131,3001,1.0250705745375301,3.0067466552263528E-2,7.2642494829943975E-3,6.3415638882738197E-3,-9.0995187088976914E-2,6.6347772334311036E-2,0.59425480356756311]
["Hungary",7392.2619414970004,4.8404884271359014E-2,-82307.602627,-0.11218967599496384,134,2916,1.1520275624477949,3.2756060098367124E-2,3.2619284912600244E-2,3.9196172760933554E-2,-0.11181883470926812,0.28405452122775843,0.56332760429397055]
["Slovakia",9823.0995039999998,6.4322124735324768E-2,48029.688563000003,6.5467041027074943E-2,152,3819,0.90791915291855474,3.0293713256703027E-2,5.1685558705909093E-3,4.8554003655969574E-3,4.4509842851191639E-2,5.0678230455811546E-2,0.61727621288941736]
["Slovenia",1628.6916859999999,1.066475095153209E-2,-378.97486800000001,-5.165630670089155E-4,17,326,2.7188269052427603,1.4706203223099434E-2,1.0176679803325451E-2,7.9062863860296199E-3,-5.59029745802887E-2,9.1242629766889558E-2,0.44982137051034177]
["Poland",13727.391909477999,8.9887617888079155E-2,20103.334704999997,2.7401923212284275E-2,443,6218,1.3010299773958351,2.0557715256375907E-2,1.1303810825854684E-2,1.2319490937421579E-2,0.89691907896447898,8.4601304616990419E-2,0.74873675655879346]
["Reconciliation",-11.119572540971603," ",33600.753352999949," ","–","–","–","–","–",null,"–","–","–"]
["Segment CE",41449.925404327027,0.27141609133057909,62755.43666399995,8.5539025333573188E-2,877,16280,1.0862507804972534,2.7154785113743592E-2,1.8605576393930782E-2,1.4642930561983944E-2,0.1474964733005113,0.10981445038932121,0.61865298712065375]
["Albania",2355.799785664,1.5425889517176081E-2,24517.911135000002,3.3419227611018364E-2,105,1419,0.46860631021516186,3.5458065259208443E-2,7.1969045800085799E-3,1.2913843921654388E-2,0.22339625430710619,0.11365544540936676,0.724483753401435]
["Bosnia and Herzegovina",2031.259489322,1.330078415563017E-2,11257.052052999999,1.5343965589762242E-2,98,1552,0.84135095585411646,3.440938501037686E-2,1.2337194847594541E-2,1.6486271886410036E-2,-4.5524692233508079E-2,0.13509036316909501,0.43435222146803282]
["Bulgaria",3820.3990119750001,2.5016155205075837E-2,15556.742256,2.1204673900504015E-2,184,3151,1.3089900710278866,3.8652689785855579E-2,2.0462248378373626E-2,1.9811694743848161E-2,4.8951900863469788E-3,0.17351474760506866,0.464982468027416]
["Croatia",5158.9267778900003,3.3780898948720217E-2,23173.513745,3.1586741877275247E-2,79,2070,1.2512379603723316,2.924899678940332E-2,1.1228804213916987E-2,1.1996130629503776E-2,-4.4951178751953758E-2,0.11068080542177125,0.56801138222162229]
["Kosovo",635.21430899999996,4.1594136352302519E-3,6800.4799000000003,9.2694187686252656E-3,54,708,0.82162744122679965,5.9604310453467139E-2,1.1176020115576338E-2,1.4787739260642013E-2,2.4234077841587265E-2,8.8482567170210372E-2,0.73828247146815373]
["Romania",6401.1699535420003,4.1915166596457762E-2,49325.283979,6.723300705332777E-2,541,5821,1.1436467104803107,4.9726482428211351E-2,1.9744924645996944E-2,2.2749471501078793E-2,-3.9713624421276128E-2,0.10309631075701881,0.6834867828093002]
["Serbia",1952.1194441120001,1.2782571359609524E-2,25076.100074000002,3.4180069066869975E-2,84,1761,1.1792719765395179,4.33834049119644E-2,6.9601871080108837E-3,1.0034930620410294E-2,-9.2797380820161202E-2,0.11601237261581519,0.7413069444237107]
["Reconciliation",-63.229576977003035,-4.1403029009535E-4,9170.6549870000454,1.2500094509077972E-2,"–","–","–",null,"–",null,"–","–","–"]
["Segment SEE",22291.659194527998,0.1459668491278045,164877.73812900006,0.22473719837646089,1145,16482,1.0716049092081172,3.9652403308567133E-2,1.7571971262842354E-2,1.6941591038244674E-2,-2.2215659380775854E-2,0.1230011483876879,0.58095275874764751]
[]
["Segment Russia",17040.531984706999,0.11158221734700804,255267.62454700004,0.34794346057817915,193,8015,0.94255688007654492,4.6757202706585489E-2,-2.8511255488658993E-3,-2.2796444496350553E-3,0.13852567995051679,5.7230568681677432E-2,0.96299671638805096]
["Belarus",1314.242109196,8.605720103486536E-3,9860.644096,1.3440586664214141E-2,100,2192,0.99435393385262061,5.1737734235213259E-2,1.6208260648010533E-3,2.4366013030646116E-3,-0.1275633177352663,1.7544873600750823E-2,4.0112057241771026]
["Ukraine",5148.0332197690004,3.3709567409832199E-2,23639.020805,1,825,14875,1.5350257940276699,6.6564680662099196E-2,1.974942314279609E-2,2.3328805389279065E-2,7.1712800795126652E-2,0.37152644023011183,0.64998686417627805]
["Kasachstan",57.069584011000003,"–","–","–","–",11,"–","–","–",null,-0.15793158829833076,0.2104453512402778,0.27236491912681526]
["Reconciliation",-1.3584061900000961,"–",2699.909739000017,"–","–","–","–","–","–",null,"–","–","–"]
["Segment CIS other",6517.986506786001,4.2680086966637422E-2,36199.574640000013,4.9341961378970817E-2,926,17078,1.4745984053617229,6.41793559186013E-2,1.8762215260196738E-2,2.0247226214434831E-2,3.1284456585735976E-2,0.31329994438743713,0.67767134798224726]
["Segment Group corporates",20817.008725513009,0.13631076742259904,164486.22643699998,0.22420354694607258,-8.8678417251859432E-2,3063,2.1299934040130863,1.9607417551590248E-2,3.0622692578305441E-3,2.0310324713285507E-3,"–",4.0634062873070205E-2,0.63291850606386146]
["Segment Group markets",21840.301588148988,0.14301133796292967,136116.96045499999,0.1855347161558113,-0.15123465312792983,null,0.93127923988630312,6.6100718940272822E-3,8.4460204522782203E-3,8.1690161435777654E-3,"–",9.2262362826386005E-3,0.72171756942590581]
["Segment Corporate center",61486.606476293993,0.40261723600677579,401341.19934699999,0.54704957599384363,0.14212554521156995,null,"–",1.6543776233574132E-2,"–",-1.2829968328113511E-3,"–",0,0]
["Reconciliation",-38726.746556071033,-0.25358458616433355,-487397.90816200001,-0.66434948476291156,"–",null,"–","–","–","–","–","–","–"]
["Total RBI Group",152717.27332423299,1,733646.85205700004,1,3153,60918,1.1788003996856318,2.2962049847014596E-2,1.103533337128508E-2,9.0349263535070071E-3,6.868592181475397E-2,9.7650612533554337E-2,0.65769849356107035]
["* including exposure to banks"]
[]
[]
["1/1-31/3\n2012","Total assets\nin € million","Share of \ntotal assets","Profit after tax\nin € million","Share of \ntotal profit","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin \n(annualised)","Provisioning ratio\n(annualised)",null,"Loan growth \nYoY","NPL ratio","Coverage ratio"]
["Czech Republic",8988.2394406029944,6.0405570880807898E-2,15804.828252000001,2.7538521925278968E-2,130,3018,{"$error":"#DIV/0!"},2.9620154832006518E-2,4.1340040076625409E-3,null,-8.8854357946317464E-3,6.4331626318315932E-2,0.61504573991820832]
["Hungary",7638.9080339219981,5.1337372991043954E-2,-23675.342230999999,-4.1252199689950572E-2,134,2932,1.1016008447725074,3.0291794740691463E-2,2.497937812198657E-2,null,-8.4643520713244103E-2,0.24815842584807044,0.59922065802985358]
["Slovakia",10008.022940000001,6.7259038110177971E-2,17405.770077000001,3.0328022123946398E-2,155,3815,0.8812144166879593,3.1449452144308214E-2,8.204723621681495E-3,null,0.10111654807992365,4.9318611526256335E-2,0.63960385575405643]
["Slovenia",1660.297386,1.1158048480572611E-2,98.064442,1.7086865754238804E-4,17,319,2.7827821649943387,1.4704501685779933E-2,8.9598314519314798E-3,null,-2.693452648351935E-2,7.0263968639889846E-2,0.56677918583336806]
["Poland",7750.2749706169989,5.2085815823788177E-2,22025.465658000001,3.8377435000633876E-2,116,3183,1.2175067826956096,2.2851820851663159E-2,5.6656971583272254E-3,null,7.3299704449028225E-2,6.4078315926823476E-2,0.61101790236938347]
["Reconciliation",-22.197511151001891," ",31027.430673999999," ","–","–","–","–","–",null,"–","–","–"]
["Segment CE",36023.545259990991,0.24209666764667256,62686.216872000005,0.10922521461275062,552,13267,1.0862507804972534,2.8160436658016139E-2,1.4393927716385034E-2,null,1.5178087906229543E-2,0.10001210794286419,0.60752407617611803]
["Albania",2286.6864137880002,1.5367703448828554E-2,13283.788845000001,2.3145832686446117E-2,105,1420,0.48588745138276745,3.7222291402942358E-2,8.619795255898826E-3,null,0.24733672802839557,0.1109505034702556,0.72722311025731334]
["Bosnia and Herzegovina",2068.7409304519997,1.390299821608483E-2,6478.0659230000001,1.1287459604716875E-2,98,1550,0.85055917676773862,3.4352567556131003E-2,1.1792397831411974E-2,null,-2.607006242301102E-2,0.13111337242971771,0.41794163960118225]
["Bulgaria",3609.8693466469999,2.426017020689341E-2,6810.4636909999999,1.1866633454380406E-2,184,3202,1.3767532839304495,4.05067899238334E-2,2.005133585526812E-2,null,4.0889212882103454E-2,0.16644719975972286,0.48001202007988103]
["Croatia",6333.1850109829993,4.2562245766846071E-2,15645.228129000001,2.7260432760598766E-2,81,2080,1.2607953685607594,2.6273059365927536E-2,4.3193347287215147E-3,null,-1.9054400674500593E-2,0.10675367708104336,0.53903388235753014]
["Kosovo",649.83735899999999,4.3672397591844846E-3,3827.1107000000002,6.6684034930327655E-3,54,714,0.8077140513513722,6.0342838285005723E-2,1.0051189690692906E-2,null,8.7406410838456239E-2,9.8640650345134584E-2,0.64575862114350602]
["Romania",6263.1846157480031,4.2091807271744247E-2,31454.009460000001,5.4805842578044488E-2,540,5880,1.1206829147170327,5.0774104974264225E-2,2.0235933194308695E-2,null,3.1931868096871208E-2,9.9347223508056109E-2,0.68892006064662004]
["Serbia",1969.18700375,1.3233944858572476E-2,14529.802577,2.5316901927488866E-2,85,1763,1.2562397390070996,4.420850411994403E-2,3.9788634578360512E-3,null,-2.4222358125115862E-2,0.12481693835177497,0.63092982064234515]
["Reconciliation",-83.734310064002557,-5.6273743430530201E-4,7108.340234000003,1.2385657108395365E-2,"–","–","–",null,"–",null,"–","–","–"]
["Segment SEE",23096.956370304,0.15522337209384879,99136.809559000001,0.17273716361310365,1147,16609,1.0716049092081172,3.979232158425075E-2,1.5909714364696653E-2,null,2.2540430243567666E-2,0.11988989751138328,0.56911471338156083]
[]
["Segment Russia",15195.326218734001,0.10212037196253834,119904.04045100002,0.20892223529677112,192,8257,0.94255688007654492,5.0117007868687495E-2,-2.1421088786787354E-4,null,0.22649392251938982,5.971879010206109E-2,0.97589961275560566]
["Belarus",1214.2176131870001,8.1601640213060673E-3,3021.4220720000003,5.2645619837573803E-3,98,2198,1.0682912613364539,4.9983655263626872E-2,3.3365483173988754E-3,null,-0.33656092293939466,1.8610460114681694E-2,3.8010902551549286]
["Ukraine",5130.6252219369999,3.4480428292393679E-2,12508.331639,1,828,14971,1.5695963421159511,6.7204113378929273E-2,1.7590901067324329E-2,null,3.840764121624729E-2,0.35763875394449668,0.66221323182221714]
["Kasachstan",72.408125423000001,"–","–","–","–",11,"–","–","–",null,-0.19013693325637382,0.20773972725738402,0.24273050820474892]
["Reconciliation",-2.2949384829989867,"–",847.77409099998113,"–","–","–","–","–","–",null,"–","–","–"]
["Segment CIS other",6414.9560220640005,4.3111788826806809E-2,16377.527801999982,2.8536400476238614E-2,927,17180,1.4745984053617229,6.4608258937112834E-2,1.7556026687439986E-2,null,-4.9292466536248081E-2,0.30249536889623174,0.68994199433088299]
["Segment Group corporates",21979.663734927995,0.14771459354752622,92900.751587999999,0.16187138156071323,-3.7780009255731328E-2,3053,2.1299934040130863,1.9294691390508798E-2,1.6219786566622329E-4,null,"–",3.3355123298295854E-2,0.52546997324567923]
["Segment Group markets",29680.881631377993,0.19947072071644686,135256.019088,0.2356717066324017,0.15346867769422978,null,0.93127923988630312,6.6571742863089532E-3,-3.7539590903234998E-3,null,"–",3.6429636842925418E-2,0.89004821918668386]
["Segment Corporate center",52161.259503565016,0.35055036962426883,188698.36709900002,0.32879029349544309,-3.1094568987146021E-2,null,"–",7.0597243638825845E-3,"–",null,"–",0,0]
["Reconciliation",-35754.40159463996,-0.24028788441810833,-141042.64660799905,-0.24575439568742202,"–",null,"–","–","–",null,"–","–","–"]
["Total RBI Group",148798.18714632402,1,573917.08585100097,1,2831,58366,1.2174123767651017,2.3674035813036679E-2,8.1253943079015751E-3,null,6.3051536056554225E-2,8.8974153009436022E-2,0.66792875623208381]
[]
[]
["1/1-31/12\n2011","Total assets\nin € million","Share of \ntotal assets","Profit after tax\nin € million","Share of \ntotal profit","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin \n(annualised)","Provisioning ratio\n(annualised)",null,"Loan growth \nYoY","NPL ratio","Coverage ratio"]
["Czech Republic",8789.3345877070005,5.979749239209662E-2,44673.125771999999,4.586032784318058E-2,129,3012,1.0824837820918551,3.2567208888523103E-2,1.3908143892675499E-2,null,8.4552703234705984E-3,6.8247678766460387E-2,0.60442616252163806]
["Hungary",7320.3120872709997,4.9803122406853223E-2,-355119.32144500001,-0.36455672674516804,134,2977,1.2153609819770992,3.5784555362558951E-2,6.950744938073368E-2,null,-0.11388449656379007,0.22737297261818393,0.61679261862056389]
["Slovakia",9682.2952619999996,6.5872674602381262E-2,98184.484074000007,0.10079376696692686,156,3805,0.92070638335951649,3.285488212840388E-2,2.5027262505812014E-3,null,0.10385853431204417,5.0992755736742688E-2,0.61560782511504153]
["Slovenia",1731.839326,1.1782421966921142E-2,-4771.0155569999997,-4.8978067643091448E-3,17,323,2.8097819223844414,1.8453532084207528E-2,1.4962680065355463E-2,null,-1.0205396296666169E-2,6.7107351227397971E-2,0.56018035998974092]
["Poland",7368.0393068579988,5.0127830497286044E-2,82147.981868999996,8.4331089778572524E-2,116,3169,1.2260990849311657,2.6901737032524055E-2,1.1460911838156352E-2,null,4.1603308592919719E-2,6.3778245191168495E-2,0.57971260483619425]
["Reconciliation",-40.001871866007605," ",102161.74528700003," ","–","–","–","–","–",null,"–","–","–"]
["Segment CE",34851.818697969989,0.23711139252309285,-32723,-3.3592623799631044E-2,552,13286,1.1208592086655287,3.162076447151399E-2,2.805803727272747E-2,null,6.5005920387770644E-3,9.7620944663874817E-2,0.60730856485733209]
["Albania",2329.5464831049999,1.5848871915211515E-2,49266.115494999998,5.0575377682141265E-2,105,1427,0.48468351837909435,4.1232398751450461E-2,8.0617412586321095E-3,null,0.25223663618002634,0.11094927774917357,0.72549494294681216]
["Bosnia and Herzegovina",2170.1511808309988,1.4764439495447175E-2,22677.666021000001,2.3280331977420434E-2,98,1569,0.81839931210362293,3.669963166213016E-2,9.8354458768764204E-3,null,6.131133412510037E-3,9.422370641865864E-2,0.54359066038921833]
["Bulgaria",3680.7574063319998,2.5041720827209027E-2,32962.801352000002,3.3838797946389561E-2,187,3271,1.3698647842456679,4.5090976007970116E-2,2.9683767429515024E-2,null,5.5935305877886643E-2,0.16139551582952119,0.48454661155283757]
["Croatia",5464.9739747189997,3.7180486920286901E-2,30567.234004000002,3.1379567658578425E-2,81,2083,1.2271597417861169,3.1245379007172069E-2,1.0289574147279637E-2,null,4.2166816958564279E-3,0.10281390065084725,0.54390332532691532]
["Kosovo",680.34296199999994,4.6286556380629243E-3,12536.8645,1.2870035533888992E-2,54,720,0.76887078646261742,5.6572133902827233E-2,5.5524233421302468E-3,null,0.10869590041003496,9.1801376057453199E-2,0.68717776949552078]
["Romania",6358.7098184489987,4.3260942930089481E-2,93388.29731200001,9.5870120065095224E-2,551,6030,1.1342912197418353,4.3006227699937713E-2,1.4172839843596505E-2,null,4.2690518831679514E-2,9.2558833795149745E-2,0.70577733009511878]
["Serbia",2206.8932445910009,1.5014411009926957E-2,50839.678060999999,5.2190758157795086E-2,85,1765,1.1313342639097022,4.8995546799154938E-2,7.7459993526661211E-3,null,-4.3588190293610718E-2,0.12557814877925919,0.59965951305155551]
["Reconciliation",-63.913724645993625,-4.3483160472861581E-4,12471.343255000014,1.2802773041630704E-2,"–","–","–",null,"–",null,"–","–","–"]
["Segment SEE",22827.461345381005,0.15530469713150538,304710,0.31280776206293964,1161,16865,1.0534501319254439,4.0713216509335258E-2,1.5668293254196525E-2,null,3.6550999735273093E-2,0.11264406676722158,0.58582149261486982]
[]
["Segment Russia",14217.958378748996,9.673067392081075E-2,321579,0.33012506093150235,191,8475,0.97349645386576233,4.4683582556600522E-2,-4.3199410076951543E-3,null,0.19353727854526048,5.7768818618632985E-2,1.0015914691783165]
["Belarus",1222.6145167880002,8.3179541678103739E-3,4369.4368709999999,4.4855560010921974E-3,101,2210,1.1560429820393083,4.8796402484750666E-2,1.3744788014892283E-2,null,-0.29588826196938411,2.0162938372104762E-2,3.4102786897916983]
["Ukraine",5466.6519368639974,3.7191902793422514E-2,59342.981387,6.0920039387647777E-2,909,15267,1.6145230605265637,6.4131737563204755E-2,2.1998117002259638E-2,null,2.4286534687353978E-2,0.34845550912263634,0.65652323787581879]
["Kasachstan",72.408125423000001,"–","–","–","–",11,"–","–","–",null,-9.2485774542848787E-2,0.17376776788693038,0.23306021523206974]
["Reconciliation",-0.89784628199868166,"–",-9699.4182579999979,"–","–","–","–","–","–",null,"–","–","–"]
["Segment CIS other",6760.7767327929987,4.5996371080159644E-2,54013,5.5448412104314136E-2,1011,17488,1.5387499821170223,6.1029727644491563E-2,2.3107845410052265E-2,null,-4.3228986415449033E-2,0.29660470620067297,0.6822435658873055]
["Segment Group corporates",22842.659627063993,0.15540809735187955,297727,0.30563918668804058,-2.7057012458441276E-2,3147,2.1585993451352357,1.9657104011552247E-2,7.4980003116330097E-3,null,"–",3.0011064869512018E-2,0.66721657618348795]
["Segment Group markets",25731.848818564995,0.17506445096706044,194664,0.19983725573240158,-5.4572113949343359E-2,null,0.65848615177135317,8.4726671230756345E-3,2.4895889134378965E-3,null,"–",8.3590200870601282E-3,0.94425257009104191]
["Segment Corporate center",53835.243186776002,0.36626351093635534,-40309.085582999985,-4.1380311942574022E-2,0.63739513120167279,null,"–",7.9880818182188219E-3,"–",null,"–",0,0]
["Reconciliation",-34082.763970211978,-0.23187919391086401,-125548.25816299801,-0.12888474177699322,"–",null,"–","–","–",null,"–","–","–"]
["Total RBI Group",146985.002817086,1,974112.65625400201,1,2928,59261,1.2221665250088083,2.6061976594022932E-2,1.3824052536475196E-2,null,6.3051536056554225E-2,8.6490246233286383E-2,0.68393956247303833]

{"sheet":"CE-CZ","index":14,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Czech Republic",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",256.85258435700001,278.49579366399996,-21.64320930699995,-7.7714672176026012E-2,null,59.992753495000017,63.969637744999986,-3.9768842499999693,-6.2168309688619638E-2,null,null,59.992753495000017,63.969637744999986,67.068381209999998,65.821811906999997,64.687741419999966,70.022088825999973,71.069990510000011,72.715972908000012,72.647367385999956,72.678551967000004,71.213367000000005,64.942068000000006,64.232690999999988,64.305367000000018,61.765487999999991,54.564891000000003,null,null,278.49579366399996,281.48135435299997,244.868437]
["Net fee and commission income",124.736729564,126.502926941,-1.7661973769999975,-1.396171155647441E-2,null,33.18080212400001,30.763870937999986,2.4169311860000242,7.856394895398533E-2,null,null,33.18080212400001,30.763870937999986,31.082094653999999,29.709961848000003,31.093536893000021,32.777719615999992,32.504453355999992,30.127217076000001,31.188102022999995,27.953463269999997,27.152237000000003,23.741975,27.999263999999993,22.814355000000003,20.171281000000004,20.709638999999999,null,null,126.502926941,110.035777293,91.694539000000006]
["Net trading income",4.788998307,7.0798160680000004,-2.2908177610000005,-0.32357023671197449,null,0.18404251800000004,1.0731772049999995,-0.88913468699999942,-0.82850686993486766,null,null,0.18404251800000004,1.0731772049999995,1.1747894050000001,2.3569891790000002,2.9524224030000008,-5.8128742000000955E-2,2.1626983290000004,2.0228240780000002,1.7610243069999987,1.7341121210000008,-3.9330600000000002,-2.144361,-4.2137340000000005,-2.4307080000000001,0.41419400000000017,3.0550419999999998,null,null,7.0798160680000004,-2.5822845720000003,-3.1752060000000002]
["Other net operating income",8.4192985910000004,10.370138074,-1.9508394829999993,-0.18812087834116131,null,3.7828761630000014,2.8082338079999993,0.97464235500000207,0.34706595733712575,null,null,3.7828761630000014,2.8082338079999993,4.8485630999999918E-2,1.779702989,7.9129632770000002,-0.15579266599999997,1.6498600290000001,0.96310743399999998,1.0780511210000001,1.426160812,-0.22914400000000001,0.89962200000000003,0.75154800000000055,3.0324139999999997,1.44435,1.4810430000000001,null,null,10.370138074,3.1746899330000002,6.7093550000000004]
["Operating income",394.79761081899994,422.44867474699998,-27.651063928000042,-6.54542565308317E-2,null,97.140474300000022,98.614919695999959,-1.4744453959999362,-1.4951544863041066E-2,null,null,97.140474300000022,98.614919695999959,99.373750900000005,99.668465922999999,106.64666399299999,102.58588703399997,107.38700222399999,105.82912149600001,106.67454483699996,103.79228817000001,94.203400000000002,87.439303999999993,88.769768999999982,87.721428000000031,83.795312999999993,79.810614999999999,null,null,422.44867474699998,392.10953700699997,340.09712500000001]
["General administrative expenses",-236.75640013899999,-237.08084038200002,0.32444024300002638,-1.3684793865132994E-3,null,-68.670003855000004,-60.154882730999994,-8.5151211240000109,0.14155328274976187,null,null,-68.670003855000004,-60.154882730999994,-52.855060277999996,-55.076453274999999,-55.292036590000009,-63.500898046000003,-59.373500734000004,-58.914405012000003,-58.433716123000011,-51.54162041799998,-48.098819000000006,-46.784803999999994,-44.713711999999987,-44.515220999999997,-44.578383000000002,-44.424834000000004,null,null,-237.08084038200002,-204.85895954099999,-178.23214999999999]
["Staff expenses",-120.214636414,-126.554072311,6.3394358970000013,-5.0092705680945371E-2,null,-30.042642119999996,-33.414388719000002,3.3717465990000051,-0.10090702623216841,null,null,-30.042642119999996,-33.414388719000002,-29.034183053,-27.723422522,-31.383915361999993,-33.25666187600001,-31.099731211999998,-30.813763861000002,-30.026275671000004,-28.491365153999997,-25.528617000000001,-23.235921999999999,-23.803989000000001,-24.758347999999998,-24.185997,-23.453288000000001,null,null,-126.554072311,-30.813763861000002,-96.201622]
["Other administrative expenses",-87.158633667000004,-85.134767511000007,-2.0238661559999969,2.3772498770710859E-2,null,-27.717491366999994,-20.483831105000007,-7.2336602619999866,0.35314000710708271,null,null,-27.717491366999994,-20.483831105000007,-17.689516309999998,-21.267794885000001,-16.614277142000002,-23.971119877000003,-22.821757737000002,-21.727612754999999,-22.579690567000007,-17.480350034999994,-17.528668000000003,-18.949486,-16.798561999999997,-15.213845999999997,-16.586399,-17.3536,null,null,-85.134767511000007,-21.727612754999999,-65.952406999999994]
["Depreciation on intangible and tangible fixed ass.",-29.383130057999999,-25.39200056,-3.9911294979999994,0.15718058482903552,null,-10.909870367999998,-6.2566629069999991,-4.6532074609999992,0.74372033944708082,null,null,-10.909870367999998,-6.2566629069999991,-6.1313609150000001,-6.0852358679999998,-7.2938440859999991,-6.2731162930000002,-5.4520117850000007,-6.3730283959999996,-5.8277498850000002,-5.5699052289999988,-5.0415340000000013,-4.5993959999999996,-4.1111609999999992,-4.5430270000000004,-3.805987,-3.6179459999999999,null,null,-25.39200056,-6.3730283959999996,-16.078120999999999]
["Operating result",158.04121067999995,185.36783436499996,-27.326623685000015,-0.14741836834103761,null,28.470470445000018,38.460036964999965,-9.989566519999947,-0.25973886944234648,null,null,28.470470445000018,38.460036964999965,46.518690622000008,44.592012648000001,51.354627403000009,39.084988987999978,48.013501489999982,46.91471648400001,48.240828713999946,52.250667752000027,46.104580999999996,40.654499999999999,44.056056999999996,43.206207000000035,39.216929999999991,35.385780999999994,null,null,185.36783436499996,187.25057746599998,161.86497500000002]
["Net provisioning for impairment losses",-74.946383109999999,-78.790504411000001,3.8441213010000013,-4.8789144450042676E-2,null,-39.723385221000001,-14.887798397999997,-24.835586823000003,1.6681839825515352,null,null,-39.723385221000001,-14.887798397999997,-13.948770481,-6.3864290099999996,-21.571703934999995,-25.069870430000009,-16.963576613999997,-15.185353431999999,-15.462658185999995,-35.856987488000001,-15.857882,-26.439634000000002,-20.866280999999997,-14.236652999999997,-20.298143,-16.688289000000001,null,null,-78.790504411000001,-93.617161674000002,-72.089365999999998]
["Other results",15.900566866999998,10.536669236,5.3638976310000004,0.50906956561505168,null,1.6478355829999982,6.6725623429999983,-5.0247267600000001,-0.7530430592786147,null,null,1.6478355829999982,6.6725623430000001,1.523018129,6.0571508120000006,-2.1326465319999999,10.717671823,0.98390379500000003,0.96774015000000002,-4.6747353239999985,6.7403245710000004,-7.1371640000000003,0.43638400000000033,-2.3045270000000002,2.3141669999999976,18.524067000000002,-12.589539,null,null,10.536669236,-4.6351907529999989,5.9441679999999995]
["Net income from derivatives",14.290292703,9.5483183979999993,4.7419743050000012,0.4966292604981899,null,1.408159313000001,10.783351834999999,-9.375192521999999,-0.86941357988251144,null,null,1.408159313000001,10.783351834999999,2.098781555,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",3.1637611209999998,0.98835083800000001,2.1754102829999997,2.2010506789290543,null,0.24023728700000024,-4.072253121000001,4.3124904080000013,"–",null,null,0.24023728700000024,-4.072253121000001,0.93862614300000002,6.0571508120000006,-2.1326465319999999,10.717671823,0.98390379500000003,0.96774015000000002,-4.6747353239999985,6.7403245710000004,-7.1371640000000003,0.43638400000000033,-2.3045270000000002,2.3141669999999976,18.524067000000002,-12.589539,null,null,10.536669236,-4.6351907529999989,5.9441679999999995]
["Net income from disposal from group assets",-1.5534869570000001,0,-1.5534869570000001,"–",null,-5.6101700000010801E-4,-3.8536370999999958E-2,3.797535399999985E-2,-0.98544188294221813,null,null,-5.6101700000010801E-4,-3.8536370999999958E-2,-1.514389569,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",98.995394437000002,117.11399919,-18.118604753,-0.15470912852702834,null,-9.5079651699999914,30.232082984999984,-39.740048154999975,"–",null,null,-9.5079651699999914,30.232082984999984,34.008542171999999,44.262734450000004,27.650276936000012,24.732790380999987,32.033828671000002,32.697103202000001,28.103435204000007,23.134004834999999,23.109532999999999,14.651251999999999,20.885249999999999,31.283721,37.442855000000002,6.1079530000000002,null,null,117.11399919,88.998225039000005,95.719779000000003]
["Income taxes",-21.168291536000002,-26.070585735000002,4.902294199,-0.18803928108215173,null,2.7339383279999971,-6.5956508959999987,9.3295892239999958,"–",null,null,2.7339383279999971,-6.5956508959999987,-7.468363471,-9.8382154970000002,-5.936283164999999,-5.7723878179999986,-7.1823124690000011,-7.1796022829999995,-7.8233191689999995,-4.3061701779999986,-4.1636679999999995,-3.7286800000000002,-3.8246649999999995,-7.3918309999999998,-8.4370120000000011,-1.255908,null,null,-26.070585734999998,-20.021837346999998,-20.909416]
["Profit after tax",77.827102901000003,91.043413455000007,-13.216310554000003,-0.1451649279443199,null,-6.7740268419999943,23.636432088999996,-30.41045893099999,"–",null,null,-6.7740268419999943,23.636432088999996,26.540178700999999,34.424518953000003,21.713993770999991,18.960402563000002,24.851516201999999,25.517500919,20.280116035000006,18.827833656999992,18.945866000000002,10.922572000000001,17.060584999999996,23.891889999999997,29.005843000000002,4.8520450000000004,null,null,91.043413454999992,68.976387692000003,74.810362999999995]
[]
["Total assets",8937.9743373639994,8789.3345877070005,148.6397496569989,1.6911376870882844E-2,null,8937.9743373639994,9053.8755199469997,-115.90118258300026,-1.280127856050739E-2,null,null,8937.9743373639994,9053.8755199469997,8889.5999358930003,8988.2394406029944,8789.3345877070024,8988.0945775689925,8713.9176289020015,8357.7710186610002,7907.9687120279987,7988.0062537490021,7908.9338280000002,7694.1283249999997,7738.5560379999997,7689.3802290000003,7226.7497780000003,6808.9136710000002,null,null,8789.3345877070024,7907.9687120279987,7738.5560379999997]
["Loans and advances to customers",6380.4935612489999,6537.6481085429996,-157.15454729399971,-2.4038391893353772E-2,null,6380.4935612489999,6368.3696736800002,12.123887568999635,1.9037662997338778E-3,null,null,6380.4935612489999,6368.3696736800002,6288.9668080720003,6770.5991737999984,6537.6481085430005,6798.8052017849986,6918.5187127139998,6831.298235667,6482.833994655999,6463.692998818,6115.9812270000002,6065.637635,5719.2248239999999,5924.9416199999996,5750.933207,5404.2548740000002,null,null,6537.6481085430005,6482.833994655999,5719.2248239999999]
["  Hereof corporate %",0.44009962238033606,0.4225238189636395,1.7575803416696567,4.1597189620708797E-2,null,0.44009962238033606,0.4360261731023794,0.40734492779566644,9.3422127597835303E-3,null,null,0.44009962238033606,0.4360261731023794,0.42912246160617473,0.43240383901040363,0.4225238189636395,0.43279914632056665,0.43374138309080312,0.43418015141485555,0.42346356547152064,0.42401286702527224,0.41099999999999998,0.42199999999999999,0.42299999999999999,0.42599999999999999,0.44400000000000001,0.45700000000000002,null,null,0.4225238189636395,0.42346356547152064,0.42299999999999999]
["  Hereof retail %",0.55831993572911442,0.57644492331186992,-1.8124987582755492,-3.1442704844413139E-2,null,0.55831993572911442,0.56178190023506802,-0.34619645059535964,-6.1624707106173737E-3,null,null,0.55831993572911442,0.56178190023506802,0.56842960060054382,0.56679372091007019,0.57644492331186992,0.5658366433512948,0.56458239111578645,0.5637458649878837,0.57416093023514103,0.57316305101085074,0.58899999999999997,0.57799999999999996,0.57699999999999996,0.57399999999999995,0.55700000000000005,0.54300000000000004,null,null,0.57644492331186992,0.57416093023514103,0.57699999999999996]
["  Hereof FCY %",7.0849221249195862E-2,6.8981228801637914E-2,0.18679924475579479,2.707972125184277E-2,null,7.0849221249195862E-2,6.8218715662113114E-2,0.26305055870827487,3.8559881427724818E-2,null,null,7.0849221249195862E-2,6.8218715662113114E-2,6.957979161829124E-2,6.515464712592231E-2,6.8981228801637914E-2,6.6331507759863212E-2,6.9755538727260813E-2,6.9634348199929502E-2,7.1317575057624663E-2,7.5570111403701234E-2,8.2000000000000003E-2,7.8E-2,7.4999999999999997E-2,7.5999999999999998E-2,7.2999999999999995E-2,8.1000000000000003E-2,null,null,6.8981228801637914E-2,7.1317575057624663E-2,7.4999999999999997E-2]
["Deposits from customers",6319.1187385399999,6039.4882738189999,279.63046472099995,4.6300357255959934E-2,null,6319.1187385399999,6316.5566989360004,2.5620396039994375,4.0560699857739024E-4,null,null,6319.1187385399999,6316.5566989360004,6135.1549486329995,6151.2435798240022,6039.4882738189999,6003.8242463849992,5575.5487651259991,5141.3850980310008,5034.9395626660016,5078.9523721970018,4840.451188,4825.3804229999996,4939.6882050000004,4736.7008450000003,4358.4278420000001,4044.5486559999999,null,null,6039.4882738189999,5034.9395626660016,4939.6882050000004]
["Loan/deposit ratio",1.0097125604452846,1.0824837820918551,-7.2771221646570572,-6.7226154193223309E-2,null,1.0097125604452846,1.008202724556043,0.15098358892415842,1.4975518836317647E-3,null,null,1.0097125604452846,1.008202724556043,1.0250705745375301,1.1006878667603857,1.0824837820918551,1.1324124296074574,1.2408677610333216,1.3286883019681186,1.287569376746071,1.2726429635767584,1.2635146992417106,1.2570278616973616,1.1578108954753348,1.2508583112767806,1.3194971708791685,1.3361824355810148,null,null,1.0824837820918551,1.287569376746071,1.1578108954753348]
[]
["Return on equity before tax",0.16342420305200858,0.20837559365226174,-4.4951390600253163,-0.21572291558899293,null,"–",0.18521775365627743,"–","–",null,null,"–",0.18521775365627743,0.20670880952930082,0.28970388748030174,0.19569457843011537,0.1694753983000622,0.21841872349587821,0.22624855280814665,0.21354551290332044,0.18437664978693047,0.1802362578136478,0.11129662170312883,0.18355323932088735,0.27186479058952284,0.33458580956533202,5.469515686598566E-2,null,null,0.20837559365226174,0.1900898725834981,0.21417977641926927]
["Return on equity after tax",0.12847903015868856,0.16198939032075879,-3.3510360162070234,-0.20686762321727137,null,"–",0.14480930269164299,"–","–",null,null,"–",0.14480930269164299,0.16131502245031354,0.22531181340793613,0.1536805894163574,0.12992152227038872,0.16944700870838891,0.17656908682513389,0.15409958779048227,0.15005672027747158,0.14776291623369561,8.2972114868353042E-2,0.14993958135331587,0.20762759237105821,0.25919346861450387,4.3448821953250359E-2,null,null,0.16198939032075876,0.14732555331183908,0.16739347905498583]
["Cost/income ratio",0.59969055954480943,0.56120625901829424,3.8484300526515192,6.8574253954036379E-2,null,0.70691443859874159,0.609997786505727,9.6916652093014584,0.15888033405528534,null,null,0.70691443859874159,0.609997786505727,0.53188150592391492,0.55259657871678225,0.51846006728939253,0.61900228074212538,0.55289280363886151,0.55669369809733105,0.54777563112443983,0.496584296644281,0.51058474534889409,0.53505462486297917,0.50370427346724311,0.5074611986480656,0.53199136567459337,0.55662813774834341,null,null,0.56120625901829424,0.5224533968357491,0.5240625012634258]
["Net interest margin (avg. assets)",2.875707554463652E-2,3.2567208888523103E-2,-0.38101333438865825,-0.1169929347316373,null,2.6675524293849943E-2,2.8520511715774664E-2,-0.18449874219247203,-6.4689842886102911E-2,null,null,2.6675524293849943E-2,2.8520511715774664E-2,3.0011850894319965E-2,2.9620154832006525E-2,3.2599999999999997E-2,3.164480422193057E-2,3.3304258050720861E-2,3.5763991856235043E-2,3.6561389932938372E-2,3.6574863637029609E-2,null,null,null,null,null,null,null,null,3.2567208888523103E-2]
["Net interest margin (avg. interest bearing assets)",3.1355149561497132E-2,3.3967049216929827E-2,-0.26118996554326951,-7.6895100270613859E-2,null,2.9967008328671829E-2,3.185635283367709E-2,-0.1889344505005261,-5.930824896589959E-2,null,null,2.9967008328671829E-2,3.185635283367709E-2,3.2220651641992275E-2,3.1402261704894935E-2,3.0552225409103826E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.1603276233648357E-2,1.3899999999999999E-2,-0.22967237663516424,-0.16523192563680877,null,2.4926699417194727E-2,9.4097512028465946E-3,1.5516948214348132,1.6490285321947744,null,null,2.4926699417194727E-2,9.4097512028465946E-3,8.5447069223355872E-3,3.8390804586105522E-3,1.3899999999999999E-2,1.4620852047388949E-2,9.8698486984569837E-3,9.1243518807273289E-3,9.5547837308302443E-3,2.2803126277727358E-2,1.0414301862270825E-2,1.7948200306611657E-2,1.4335955158560596E-2,9.7545773389610506E-3,1.4556916729766431E-2,null,null,null,1.2102547937398105E-2,1.5344486215861645E-2]
[]
["NPL ratio",6.8342613594713844E-2,6.8247678766460387E-2,9.4934828253456782E-3,1.3910338046561055E-3,null,6.8342613594713844E-2,6.5576148433399567E-2,0.27664651613142771,4.2187063854839835E-2,null,null,6.8342613594713844E-2,6.5576148433399567E-2,6.6347772334311036E-2,6.4331626318315932E-2,6.8247678766460387E-2,6.8285844677254431E-2,5.8034190940634917E-2,5.9505045191368115E-2,6.3893431073732035E-2,7.1292005420010504E-2,null,null,null,null,null,null,null,null,6.8247678766460387E-2]
["NPL coverage ratio",0.60244312408978318,0.60442616252163806,-0.19830384318548777,-3.280861343893049E-3,null,0.60244312408978318,0.5919790516440987,1.046407244568448,1.7676423543405262E-2,null,null,0.60244312408978318,0.5919790516440987,0.59425480356756311,0.61504573991820832,0.60442616252163806,0.56923574403940858,0.6399650605444982,0.59837657740979033,0.55788960795482678,0.58870426909622897,null,null,null,null,null,null,null,null,0.60442616252163806]
[]
["Number of employees",3066,3012,54,1.7928286852589626E-2,null,3066,3044,22,7.227332457293123E-3,null,null,3066,3044,3001,3018,3012,3171,3092,2988,2894,2765,2646,2623,2638,2652,2710,2715,null,null,3012,2894,2638]
["Business outlets",132,129,3,2.3255813953488413E-2,null,132,132,0,0,null,null,132,132,131,130,129,128,121,114,112,109,110,111,111,110,111,110,null,null,129,112,111]
["Number of customers",486261,470666,15595,3.3133899623087215E-2,null,486261,487292,-1031,-2.1157745253359561E-3,null,null,486261,487292,485652,478474,470666,435751,433505,432215,423371,427438,426901,412663,407878,425900,413659,402496,null,null,470666,423371,407878]
[]
["Back to Contents"]

{"sheet":"CE-HU","index":15,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Hungary",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",239.28089164400001,297.75985707000001,-58.478965426000002,-0.19639640481239296,null,61.884978587000006,56.914423284999998,4.9705553020000082,8.7333842901470948E-2,null,null,61.884978587000006,56.914423284999998,63.838786597999999,56.642703174000005,61.435932914999981,76.089920298000024,76.196342443000006,84.037661413999999,93.081561959000041,79.916552113000009,87.259826999999987,79.582565000000002,86.686034999999933,84.864836000000011,77.572486000000012,88.311965999999998,null,null,297.75985707000001,339.84050607200004,337.43532299999998]
["Net fee and commission income",77.11044579,89.996023553000001,-12.885577763000001,-0.14317941231493958,null,19.662973567999991,19.791215497000003,-0.12824192900001208,-6.4797399138749601E-3,null,null,19.662973567999991,19.791215497000003,19.018141226000001,18.638115499000001,21.896729089000011,23.426123875999998,22.395699473999997,22.277471114000001,24.700139823000001,23.729639521999999,25.831156999999997,25.203218,26.035990999999999,28.424493999999999,27.333757000000002,25.206078999999999,null,null,89.996023553000001,99.464154344999997,107.000321]
["Net trading income",-62.037749626,38.190532867000002,-100.22828249299999,"–",null,-16.759463341999997,-26.337935280000004,9.578471938000007,-0.36367588560647435,null,null,-16.759463341999997,-26.337935280000004,-16.137037601999999,-2.8033134019999997,28.074320204000003,-2.4686646069999991,8.5336314560000002,4.0512458139999996,7.6271798160000044,-9.7966719880000017,27.885655,-1.842932,13.862460000000002,4.4375989999999987,9.7687589999999993,6.6668260000000004,null,null,38.190532867000002,23.873230828000001,34.735644000000001]
["Other net operating income",-36.043017487999997,-52.540766097999999,16.497748610000002,-0.31399901134346042,null,-10.580278171999998,0.81826961199999992,-11.398547783999998,"–",null,null,-10.580278171999998,0.81826961199999992,-15.869824459,-10.411184469,-2.456527905999998,-17.785389743000003,-16.438941376999999,-15.859907072,-16.559365464999996,-15.729115372000004,-23.949776,0.27890100000000001,-6.6132639999999983,-2.2454440000000004,-4.0982669999999999,-0.89996799999999999,null,null,-52.540766097999999,-55.959355836999997,-13.856942999999999]
["Operating income",218.31057031999998,373.40564739199999,-155.09507707200001,-0.4153527889983456,null,54.208210640999987,51.185973113999992,3.0222375269999944,5.9044252617195481E-2,null,null,54.208210640999987,51.185973113999992,50.850065763000003,62.066320802,108.95045430199994,79.26198982400004,90.686731995999992,94.506471269999992,108.84951613300005,78.120404274999999,117.02686299999998,103.22175200000001,119.97122199999993,115.48148500000001,110.57673500000001,119.284903,null,null,373.40564739199999,407.21853540800004,465.31434499999995]
["General administrative expenses",-197.426145808,-216.83712452499998,19.410978716999978,-8.9518705616122518E-2,null,-52.825058252999995,-48.474533795999989,-4.3505244570000059,8.9748660096634181E-2,null,null,-52.825058252999995,-48.474533795999989,-48.455867815000005,-47.670685943999999,-51.914347628000002,-56.654375965000014,-51.001986388999995,-57.266414542999996,-57.800443647000009,-54.197261715999986,-59.072897000000012,-60.261403000000001,-61.214156999999958,-58.163207000000014,-58.808962999999991,-54.144586000000004,null,null,-216.83712452500001,-231.33200536300001,-232.33091299999998]
["Staff expenses",-85.301396213999993,-99.030262831000002,13.728866617000008,-0.13863304230979367,null,-19.113810710999999,-21.959917735999994,2.8461070249999949,-0.12960463054623506,null,null,-19.113810710999999,-21.959917735999994,-22.34787626,-21.879791507,-25.466343722000001,-25.008320470000005,-19.643911376999998,-28.911687261999997,-27.844257374000012,-26.879149922999996,-27.473288,-28.254819999999999,-25.727842999999993,-23.725712000000001,-23.528283999999999,-23.383347000000001,null,null,-99.030262831000002,0,-96.365185999999994]
["Other administrative expenses",-85.629148485000002,-95.531274077000006,9.9021255920000044,-0.10365323489791112,null,-21.840771583000013,-21.623028622,-0.21774296100001322,1.0069956656232337E-2,null,null,-21.840771583000013,-21.623028622,-21.269883281999999,-20.895464998000001,-21.278392814000014,-25.883225491999994,-25.613686211000001,-22.755969559999997,-23.862892820999988,-21.833579861000004,-26.017048000000003,-26.797995,-29.594375999999997,-28.566400999999999,-29.530510999999997,-25.178463000000001,null,null,-95.531274077000006,0,-112.86975099999999]
["Depreciation on intangible and tangible fixed ass.",-26.495601108999999,-22.275587616999999,-4.2200134919999996,0.18944566422029752,null,-11.870475958999997,-4.8915874380000011,-6.9788885209999956,1.4267124138035276,null,null,-11.870475958999997,-4.8915874380000011,-4.8381082729999996,-4.8954294389999999,-5.169611092000002,-5.7628300029999995,-5.7443888009999995,-5.5987577210000001,-6.0932934520000019,-5.4845319319999986,-5.582561000000001,-5.2085879999999998,-5.8919379999999988,-5.871094000000002,-5.7501679999999995,-5.582776,null,null,-22.275587616999999,0,-23.095976]
["Operating result",20.884424511999981,156.56852286700001,-135.68409835500003,-0.86661160155582073,null,1.3831523879999921,2.7114393180000036,-1.3282869300000115,-0.48988259526301148,null,null,1.3831523879999921,2.7114393180000036,2.3941979479999986,14.395634858000001,57.036106673999967,22.607613859000026,39.684745606999996,37.240056726999995,51.049072486000043,23.923142559000013,57.953965999999966,42.960349000000008,58.757064999999969,57.318277999999992,51.767772000000022,65.140316999999996,null,null,156.56852286699998,175.88653004500003,232.98343199999997]
["Net provisioning for impairment losses",-241.18907378899999,-477.56700456800002,236.37793077900002,-0.49496286074626106,null,-94.019813927000001,-38.819004391,-55.200809536000001,1.4220047732290126,null,null,-94.019813927000001,-38.819004391,-62.005976210999997,-46.34427926,-104.25642134600002,-257.91080628599997,-68.020789343000004,-47.378987593000005,-68.825864797999998,-46.671634037000004,-39.994703000000001,-40.062551999999997,-80.134429999999981,-67.139066999999997,-65.212291000000008,-59.129559999999998,null,null,-477.56700456800002,-195.55475383500001,-271.61534799999998]
["Other results",58.574223752000002,-53.548160142999997,112.122383895,"–",null,23.701227072000002,19.074682257000003,4.626544814999999,0.24254898470469444,null,null,23.701227072000002,19.074682256999999,7.6689653470000003,8.1293490760000005,-28.243375122999996,-13.034798026000001,-8.8559921149999994,-3.4139948790000001,-4.8502675109999966,11.709702790999996,-27.538055999999997,12.5101,-1.1880769999999998,9.0775220000000001,9.6225269999999998,-3.7177959999999999,null,null,-53.548160142999997,-8.1685207200000001,13.794176]
["Net income from derivatives",0.20920211999999999,0.46810489599999999,-0.258902776,-0.55308709268445677,null,-1.0577800499999999,0.87240676599999989,-1.9301868159999997,"–",null,null,-1.0577800499999999,0.87240676599999989,0.39457540400000002,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",44.674836392000003,-54.016265038999997,98.691101430999993,"–",null,11.068821882000002,18.202275491000002,-7.133453609,-0.39189900254652721,null,null,11.068821882000002,18.202275491000002,7.2743899430000001,8.1293490760000005,-28.243375122999996,-13.034798026000001,-8.8559921149999994,-3.4139948790000001,-4.8502675109999966,11.709702790999996,-27.538055999999997,12.5101,-1.1880769999999998,9.0775220000000001,9.6225269999999998,-3.7177959999999999,null,null,-53.548160142999997,-8.1685207200000001,13.794176]
["Net income from disposal from group assets",13.69018524,0,13.69018524,"–",null,13.69018524,0,13.69018524,"–",null,null,13.69018524,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",-161.73042552499999,-374.54664184400002,212.81621631900003,-0.56819683463518733,null,-68.935434466999993,-17.03288281599999,-51.902551651000003,3.0471971310836992,null,null,-68.935434466999993,-17.03288281599999,-51.942812916000001,-23.819295326000002,-75.463689794999937,-248.33799045300003,-37.192035851,-13.552925745,-22.627059823000003,-11.038789687000001,-9.578792,15.407897,-22.565441999999997,-0.74326500000000006,-3.8219919999999998,2.2929599999999999,null,null,-374.54664184399996,-27.836744510000003,-24.837738999999999]
["Income taxes",-12.019484923,19.427320398999999,-31.446805321999999,"–",null,-8.1133372350000013,2.6393466970000001,-10.752683932000002,"–",null,null,-8.1133372350000013,2.6393466970000001,-6.6894474800000001,0.143953095,6.8041822559999989,3.4570989489999988,6.5923947199999997,2.573644474,6.4234071899999998,5.0727142829999998,-2.0565579999999999,-1.895167,9.2334879999999995,-0.31647099999999995,0.97716299999999978,-2.2081439999999999,null,null,19.427320398999999,7.5443964729999999,7.6860359999999996]
["Profit after tax",-173.74991044800001,-355.11932144500003,181.36941099700002,-0.51072808502504996,null,-77.04877170200001,-14.393536119,-62.655235583000007,4.3530120093486122,null,null,-77.04877170200001,-14.393536119,-58.632260396,-23.675342230999998,-68.659507538999947,-244.88089150400003,-30.599641131000006,-10.979281271,-16.203652632999997,-5.9660754040000006,-11.635351,13.512731,-13.331954,-1.059736,-2.8448289999999998,8.4816000000000003E-2,null,null,-355.11932144499997,-20.292348037,-17.151703000000001]
[]
["Total assets",7155.2684654619998,7320.3120872709997,-165.04362180899989,-2.2545981625016753E-2,null,7155.2684654619998,7400.8959540440001,-245.6274885820003,-3.3188885522405509E-2,null,null,7155.2684654619998,7400.8959540440001,7392.2619414970004,7638.9080339219981,7320.3120872709997,8290.2917147840017,8857.1650578559984,8602.5606963750033,8534.1914518949998,8623.0545626100029,8628.2076859999997,8995.1778990000003,8778.1359969999994,8899.3645589999996,9375.3039250000002,8769.004234,null,null,7320.3120872709997,8534.1914518949998,8778.1359969999994]
["Loans and advances to customers",5231.1128164379998,5564.0006612589996,-332.88784482099982,-5.9828865071643533E-2,null,5231.1128164379998,5434.2012502999996,-203.08843386199987,-3.7372269540217773E-2,null,null,5231.1128164379998,5434.2012502999996,5493.2274137220002,5529.8001238939987,5564.0006612589996,5918.6485079110007,6184.8051145330019,6041.1438046550011,6279.0918787479986,6354.8267026679996,6387.1483170000001,6442.7307360000004,6452.1911829999999,6632.7700610000002,6713.2631099999999,6827.0514389999998,null,null,5564.0006612589996,6279.0918787479986,6452.1911829999999]
["  Hereof corporate %",0.55752781482640501,0.53192387995616819,2.5603934870236822,4.8134584355089771E-2,null,0.55752781482640501,0.55969368817973419,-0.21658733533291841,-3.8697476835466427E-3,null,null,0.55752781482640501,0.55969368817973419,0.54575771217901614,0.54574197981843831,0.53192387995616819,0.51886655214728905,0.51134013117632648,0.516551666373124,0.51590134369746454,0.52629979643596447,0.55900000000000005,0.56399999999999995,0.55200000000000005,0.53600000000000003,0.54600000000000004,0.54900000000000004,null,null,0.53192387995616819,0.51590134369746454,0.55200000000000005]
["  Hereof retail %",0.37895587420879651,0.42499884525541964,-4.6042971046623133,-0.10833669681843916,null,0.37895587420879651,0.38624335021836698,-0.72874760095704705,-1.8867576633877059E-2,null,null,0.37895587420879651,0.38624335021836698,0.40093336758156911,0.40330898043328872,0.42499884525541964,0.44994930430914215,0.45511151927991261,0.45181078285834603,0.45146400148301696,0.44327975125070362,0.41799999999999998,0.40699999999999997,0.41299999999999998,0.42,0.41799999999999998,0.41599999999999998,null,null,0.42499884525541964,0.45146400148301696,0.41299999999999998]
["  Hereof FCY %",0.63315361687330107,0.75872295080654573,-12.556933393324465,-0.1655009035903825,null,0.63315361687330107,0.62193813668815057,1.1215480185150506,1.8033112175550814E-2,null,null,0.63315361687330107,0.62193813668815057,0.67436949556217207,0.693258149319953,0.75872295080654573,0.71325996033678973,0.68281779648587604,0.67703917209326847,0.72525376088429194,0.72845794489666804,0.79200000000000004,0.745,0.76300000000000001,0.74399999999999999,0.77500000000000002,0.82,null,null,0.75872295080654573,0.72525376088429194,0.76300000000000001]
["Deposits from customers",4926.6422585970004,4578.0642490330001,348.57800956400024,7.6140916903389533E-2,null,4926.6422585970004,4984.4277661790002,-57.785507581999809,-1.1593207945372108E-2,null,null,4926.6422585970004,4984.4277661790002,4768.3124890259996,5019.7856602370002,4578.064249033001,4883.1382326140001,5175.9986422829988,4994.2690627879992,4785.3260398449984,4985.6137992020003,4650.9703840000002,4872.008476,4940.9399210000001,5075.2662849999997,5482.9053160000003,4863.7133020000001,null,null,4578.064249033001,4785.3260398449984,4940.9399210000001]
["Loan/deposit ratio",1.0618008253612687,1.2153609819770992,-15.356015661583044,-0.12634942119503056,null,1.0618008253612687,1.0902357312052673,-2.8434905843998548,-2.6081429025045288E-2,null,null,1.0618008253612687,1.0902357312052673,1.1520275624477949,1.1016008447725074,1.2153609819770992,1.2120583579594224,1.1949008378806383,1.2096152066910457,1.3121554992209863,1.2746327651141283,1.3732936977996462,1.322397275730848,1.3058631123153055,1.3068811937224296,1.2243988767067739,1.4036706144238926,null,null,1.2153609819770992,1.3121554992209863,1.3058631123153055]
[]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–",0.11260324635637559,"–","–","–",1.6365780139475119E-2,null,null,"–","–","–"]
["Return on equity after tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–",9.8753086014297303E-2,"–","–","–",6.0536599343631006E-4,null,null,"–","–","–"]
["Cost/income ratio",0.90433617354676155,0.58070124552070601,32.363492802605556,0.55731743391708588,null,0.97448444854304317,0.94702768838718454,2.7456760155858628,2.8992563250836101E-2,null,null,0.97448444854304317,0.94702768838718454,0.95291652209146038,0.76806044450541811,0.47649500830991065,0.71477357672700537,0.56239744521006219,0.6059523096507633,0.53101240777566094,0.69376576092994091,0.504780658779173,0.58380527197406995,0.51024033913733069,0.50365828773331078,0.53183848302267189,0.45390979611225407,null,null,0.58070124552070612,0.56807828045259301,0.49929884065792129]
["Net interest margin (avg. assets)",3.2416167711943854E-2,3.5784555362558951E-2,-0.33683876506150967,-9.4129649411248795E-2,null,3.4011695280974426E-2,3.0778782292132673E-2,0.32329129888417524,0.10503706605924146,null,null,3.4011695280974426E-2,3.0778782292132673E-2,3.3976749223059981E-2,3.029179474069147E-2,3.5799999999999998E-2,3.5499104645958679E-2,3.4912961871482039E-2,3.9231546648696235E-2,4.340163305010953E-2,3.706003698109183E-2,null,null,null,null,null,null,null,null,3.5784555362558951E-2]
["Net interest margin (avg. interest bearing assets)",3.4257432641555341E-2,3.8659205703616889E-2,-0.44017730620615481,-0.11386092864421493,null,3.5834654169290409E-2,3.237783347132351E-2,0.34568206979668992,0.10676504037950973,null,null,3.5834654169290409E-2,3.237783347132351E-2,3.5853037942877253E-2,3.2200464076512877E-2,3.3722105502121069E-2]
["Provisioning ratio (avg. loans and advances to customers)",4.468486121749498E-2,6.9500000000000006E-2,-2.4815138782505026,-0.3570523565828061,null,7.052380330381107E-2,2.8419497822985265E-2,4.2104305480825808,1.4815288342910997,null,null,7.052380330381107E-2,2.8419497822985265E-2,4.500104966582371E-2,3.3419946983020102E-2,6.9500000000000006E-2,0.17047088497633031,4.4509127131224867E-2,3.0764987820371532E-2,4.3581642135475003E-2,2.9302605892703164E-2,2.4938475466390664E-2,2.4854777563853195E-2,4.8993300633118776E-2,4.0245107225352031E-2,3.852926208708566E-2,null,null,null,8.0649037057632891E-2,3.0720352832709765E-2]
[]
["NPL ratio",0.28069319732236803,0.22737297261818393,5.3320224704184103,0.23450555310160848,null,0.28069319732236803,0.27665904973927902,0.40341475830890094,1.4581657772954726E-2,null,null,0.28069319732236803,0.27665904973927902,0.28405452122775843,0.24815842584807044,0.22737297261818393,0.1974313817484043,0.18939746189374454,0.16970634941938792,0.18547882854554121,0.15683161712701471,null,null,null,null,null,null,null,null,0.22737297261818393]
["NPL coverage ratio",0.61093564634911779,0.61679261862056389,-0.58569722714461037,-9.4958533786364541E-3,null,0.61093564634911779,0.57880575239740883,3.2129893951708954,5.5510667989437268E-2,null,null,0.61093564634911779,0.57880575239740883,0.56332760429397055,0.59922065802985358,0.61679261862056389,0.66909449816944011,0.54756707964519957,0.52941719537376775,0.45733490471120442,0.47263874741061784,null,null,null,null,null,null,null,null,0.61679261862056389]
[]
["Number of employees",2865,2977,-112,-3.7621766879408769E-2,null,2865,2904,-39,-1.3429752066115741E-2,null,null,2865,2904,2916,2932,2977,3188,3230,3262,3244,3242,3158,3164,3197,3527,3601,3805,null,null,2977,3244,3197]
["Business outlets",125,134,-9,-6.7164179104477584E-2,null,125,125,0,0,null,null,125,125,134,134,134,144,144,144,144,144,144,144,145,177,177,178,null,null,134,144,145]
["Number of customers",622990,643257,-20267,-3.1506847185495013E-2,null,622990,631653,-8663,-1.3714808605357676E-2,null,null,622990,631653,639151,640019,643257,646256,645761,642768,640806,642976,647944,653709,660167,667766,668949,664919,null,null,643257,640806,660167]
[]
["Back to Contents"]

{"sheet":"CE-SK","index":16,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Slovakia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",291.39336900000001,303.55404199999998,-12.160672999999974,-4.0060981958527142E-2,null,73.904082000000017,69.766577999999996,4.1375040000000212,5.9304958313994183E-2,null,null,73.904082000000017,69.766577999999996,70.316494000000006,77.406215000000003,76.250265999999968,76.288692000000012,77.517451000000008,73.497632999999993,72.982646000000031,69.888345999999999,67.863957999999982,69.397765000000007,66.744375999999988,64.434505999999999,60.636700000000005,60.122562000000002,null,null,303.55404199999998,280.13271500000002,251.93814399999999]
["Net fee and commission income",132.09079800000001,128.79054099999999,3.3002570000000162,2.5624995239363235E-2,null,35.620983999999993,32.703569000000002,2.9174149999999912,8.9207847620545344E-2,null,null,35.620983999999993,32.703569000000002,32.773158000000002,30.993086999999999,32.231471999999997,33.185506000000004,32.720659999999995,30.652902999999998,34.149321999999998,32.425533999999999,31.592272000000001,27.425142999999998,29.701292000000006,29.548004000000002,25.522966999999998,25.286289,null,null,128.79054099999999,125.592271,110.05855200000001]
["Net trading income",6.4487819999999996,-1.209471,7.6582529999999993,"–",null,0.46963799999999933,2.3996490000000001,-1.9300110000000008,-0.8042888772482979,null,null,0.46963799999999933,2.3996490000000001,1.375021,2.2044739999999998,-1.0468629999999999,0.26852999999999994,-1.7613989999999999,1.3302609999999999,7.8778100000000011,-4.1689190000000007,-6.2531720000000002,0.46936099999999997,4.0514370000000017,0.59508800000000051,6.398708000000001,13.302458,null,null,-1.209471,-2.0749200000000001,24.347691000000001]
["Other net operating income",-7.1830590000000001,24.797098999999999,-31.980157999999999,"–",null,3.5380019999999992,-8.6919369999999994,12.229938999999998,"–",null,null,3.5380019999999992,-8.6919369999999994,-0.40549000000000002,-1.623634,17.678995999999998,4.5415879999999991,1.989125,0.58738999999999997,13.216716000000002,-5.1348630000000011,-1.50875,-3.745981,-2.9725300000000008,-5.2540689999999994,-1.6775479999999998,-1.471603,null,null,24.797098999999999,2.8271220000000001,-11.37575]
["Operating income",422.74988999999999,455.93221099999994,-33.182320999999945,-7.2779067149523979E-2,null,113.53270600000002,96.177858999999998,17.354847000000021,0.18044534553425673,null,null,113.53270600000002,96.177858999999998,104.059183,108.98014200000001,125.11387099999989,114.28431600000006,110.46583700000001,106.06818699999998,128.22649400000003,93.010097999999999,91.694307999999964,93.546288000000018,97.524574999999999,89.323529000000008,90.880826999999996,97.239705999999998,null,null,455.93221099999994,406.47718799999996,374.968637]
["General administrative expenses",-249.95301699999999,-250.64427899999998,0.69126199999999471,-2.7579404674941133E-3,null,-72.219788999999977,-56.171901000000005,-16.047887999999972,0.28569244968227037,null,null,-72.219788999999977,-56.171901000000005,-58.420856000000001,-63.140471000000005,-60.669026999999971,-60.075997000000001,-65.668430000000001,-64.23082500000001,-72.768451669999976,-57.092561329999995,-51.425645999999986,-55.611180000000004,-51.004720999999961,-51.943760000000026,-51.738627000000008,-60.574985999999996,null,null,-250.64427899999998,-236.89783899999998,-215.26209399999999]
["Staff expenses",-122.216536,-120.89348699999999,-1.3230490000000117,1.0943922893050573E-2,null,-33.248812000000001,-29.704305999999999,-3.5445060000000019,0.11932633605376952,null,null,-33.248812000000001,-29.704305999999999,-29.550836,-29.712582000000001,-29.809193999999998,-31.190733000000002,-30.416862999999999,-29.476697000000001,-32.506270000000001,-27.727803999999992,-26.638204000000002,-26.670034000000001,-26.677502999999991,-24.847160000000006,-25.455814999999998,-29.804342999999999,null,null,-120.89348699999999,0,-106.78482099999999]
["Other administrative expenses",-100.976889,-107.07778500000001,6.1008960000000059,-5.6976299986033596E-2,null,-31.075345000000006,-19.997928999999999,-11.077416000000007,0.55392815926089178,null,null,-31.075345000000006,-19.997928999999999,-22.459779999999999,-27.443835,-25.007753999999998,-23.144606000000003,-29.653118999999997,-29.272306,-34.82464367,-22.146158330000002,-20.110384999999997,-24.326331,-19.307727999999994,-22.555514999999996,-21.829535000000003,-25.170148999999999,null,null,-107.07778500000001,0,-88.862926999999999]
["Depreciation on intangible and tangible fixed ass.",-26.759592000000001,-22.673006999999998,-4.086585000000003,0.18024009783969119,null,-7.8956320000000009,-6.4696660000000001,-1.4259660000000007,0.22040797778432464,null,null,-7.8956320000000009,-6.4696660000000001,-6.4102399999999999,-5.9840540000000004,-5.8520790000000007,-5.7406579999999972,-5.5984480000000003,-5.4818220000000002,-5.437538,-7.2185989999999993,-4.6770569999999996,-4.6148150000000001,-5.019490000000002,-4.5410849999999998,-4.453276999999999,-5.6004940000000003,null,null,-22.673006999999998,0,-19.614346000000001]
["Operating result",172.79687300000001,205.28793199999996,-32.49105899999995,-0.15827067223805424,null,41.312917000000041,40.005957999999993,1.3069590000000488,3.2669108936225211E-2,null,null,41.312917000000041,40.005957999999993,45.638327000000004,45.83967100000001,64.444843999999932,54.208319000000046,44.797407000000007,41.83736199999997,55.458042330000055,35.917536670000004,40.268661999999978,37.935108000000014,46.519854000000038,37.379768999999982,39.142199999999988,36.664720000000003,null,null,205.28793199999996,169.57934899999998,159.70654300000001]
["Net provisioning for impairment losses",-40.557187999999996,-16.652593,-23.904594999999997,1.4354878546542271,null,-16.099195999999992,-8.3308540000000004,-7.7683419999999916,0.93247847099468939,null,null,-16.099195999999992,-8.3308540000000004,-3.5694880000000002,-12.557650000000001,-11.905145000000001,-7.3747160000000003,3.2479040000000001,-0.62063599999999997,-6.0335290000000015,-5.1111419999999939,-14.539886000000003,-23.267384,-16.318928,-16.064503999999999,-15.707250999999999,-13.976520000000001,null,null,-16.652593,-48.951940999999998,-62.067202999999999]
["Other results",1.8426319999999998,-3.9649839999999998,5.8076160000000003,"–",null,-0.46651200000000026,-1.7207549999999998,1.2542429999999996,-0.72889109722185885,null,null,-0.46651200000000026,-1.7207549999999998,-0.18241199999999999,4.2123109999999997,-4.8859109999999992,2.321866,4.8105000000000064E-2,-1.449044,-2.9967730000000006,1.3664150000000004,-0.335588,3.4927220000000001,3.0476449999999975,3.411937,8.1307120000000008,4.9568539999999999,null,null,-3.9649839999999998,1.5267759999999999,19.547148]
["Net income from derivatives",6.3346E-2,-0.15424199999999999,0.217588,"–",null,-7.2438000000000002E-2,4.2009999999999999E-2,-0.11444799999999999,"–",null,null,-7.2438000000000002E-2,4.2009999999999999E-2,9.3773999999999996E-2,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",1.7792859999999999,-3.8107419999999999,5.5900280000000002,"–",null,-0.39407399999999981,-1.7627649999999999,1.3686910000000001,-0.77644552733915195,null,null,-0.39407399999999981,-1.7627649999999999,-0.27618599999999999,4.2123109999999997,-4.8859109999999992,2.321866,4.8105000000000064E-2,-1.449044,-2.9967730000000006,1.3664150000000004,-0.335588,3.4927220000000001,3.0476449999999975,3.411937,8.1307120000000008,4.9568539999999999,null,null,-3.9649839999999998,1.5267759999999999,19.547148]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",134.08231699999999,184.670355,-50.588038000000012,-0.27393697272093298,null,24.747208999999984,29.954349000000001,-5.2071400000000168,-0.17383585936052282,null,null,24.747208999999984,29.954349000000001,41.886426999999998,37.494332,47.653787999999999,49.155469000000004,48.093415999999998,39.767682000000001,46.427740330000013,32.172809669999992,25.393188000000002,18.160446,33.248570999999998,24.727201999999995,31.565661000000002,27.645053999999998,null,null,184.670355,122.154184,117.186488]
["Income taxes",-28.326854999999998,-35.543919000000002,7.2170640000000041,-0.20304637763776145,null,-3.0101220000000009,-7.3001079999999998,4.289985999999999,-0.58766062091136173,null,null,-3.0101220000000009,-7.3001079999999998,-8.8470479999999991,-9.1695770000000003,-7.6757590000000029,-10.391526000000001,-9.4227830000000008,-8.0538509999999999,-11.402086329999998,-7.8336356700000014,-5.5405820000000006,-4.8461049999999997,-8.7690769999999976,-5.148632000000001,-6.9505540000000003,-4.9461320000000004,null,null,-35.543919000000002,-29.622409000000001,-25.814395000000001]
["Profit after tax",105.75546199999999,149.12643600000001,-43.370974000000018,-0.29083357158753542,null,21.737086999999999,22.654240999999999,-0.91715400000000002,-4.0484869919058419E-2,null,null,21.737086999999999,22.654240999999999,33.039378999999997,28.324755,39.978029000000006,38.763943000000012,38.670632999999995,31.713830999999999,35.025653999999996,24.339174,19.852606000000002,13.314341000000001,24.479493999999999,19.57857000000001,24.615106999999998,22.698922,null,null,149.12643600000001,92.531774999999996,91.372093000000007]
[]
["Total assets",9666.9035449999992,9682.2952619999996,-15.391717000000426,-1.5896764747929115E-3,null,9666.9035449999992,9793.7891419999996,-126.88559700000042,-1.2955720728748399E-2,null,null,9666.9035449999992,9793.7891419999996,9823.0995039999998,10008.022940000001,9682.2952619999996,9453.1249810000008,9148.6186620000008,8939.7200780000003,8972.4259270000002,8743.1255870000005,9132,9130.8807739999993,9323.7218229999999,9391.0332969999999,9406.5651479999997,9301.8375379999998,null,null,9682.2952619999996,8972.4259270000002,9323.7218229999999]
["Loans and advances to customers",6645.3971439999996,6635.7552580000001,9.6418859999994311,1.4530201348783578E-3,null,6645.3971439999996,6651.6425410000002,-6.2453970000005938,-9.3892553027385972E-4,null,null,6645.3971439999996,6651.6425410000002,6650.1835199999996,6687.1239029999997,6635.7552580000001,6535.7847689999999,6366.7983270000004,6073.0391479999998,6011.4181769999996,5827.7388250000004,5786.9324299999998,5899.1637689999998,5835.2452119999998,6089.5815929999999,6127.5466749999996,6328.6209239999998,null,null,6635.7552580000001,6011.4181769999996,5835.2452119999998]
["  Hereof corporate %",0.49281299522060157,0.51994204125981147,-2.7129046039209905,-5.2177057991842024E-2,null,0.49281299522060157,0.49460035663369184,-0.17873614130902715,-3.6137487349489072E-3,null,null,0.49281299522060157,0.49460035663369184,0.50091230558432664,0.51067828262194626,0.51994204125981147,0.53015712726168318,0.51776277494589906,0.53328852325828968,0.5333438799298269,0.53060682588156305,0.52800000000000002,0.54,0.54200000000000004,0.55200000000000005,0.55700000000000005,0.57299999999999995,null,null,0.51994204125981147,0.5333438799298269,0.54200000000000004]
["  Hereof retail %",0.50462177052778034,0.47758288243010782,2.703888809767252,5.6616116474043743E-2,null,0.50462177052778034,0.50302038158091167,0.16013889468686759,3.1835468412546586E-3,null,null,0.50462177052778034,0.50302038158091167,0.4966339277229021,0.48686445772502501,0.47758288243010782,0.46748049392689633,0.4799158069723588,0.46391732376492228,0.46373451322133979,0.46632700634109148,0.47199999999999998,0.46,0.45800000000000002,0.44800000000000001,0.443,0.42699999999999999,null,null,0.47758288243010782,0.46373451322133979,0.45800000000000002]
["  Hereof FCY %",8.5532886550384341E-3,9.2129678722397499E-3,-6.5967921720131578E-2,-7.1603334164340504E-2,null,8.5532886550384341E-3,7.1456034666671064E-3,0.14076851883713276,0.19700018269106501,null,null,8.5532886550384341E-3,7.1456034666671064E-3,9.5434960267081481E-3,1.0634915851954719E-2,9.2129678722397499E-3,9.6372512599794888E-3,1.0971762636765548E-2,1.4432806682773585E-2,1.586863485308319E-2,1.8764739341248702E-2,2.5999999999999999E-2,2.1000000000000001E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.2999999999999999E-2,1.7000000000000001E-2,null,null,9.4920619509080758E-3,1.586863485308319E-2,1.4999999999999999E-2]
["Deposits from customers",7233.2120279999999,7207.2436749999997,25.968353000000207,3.6030907474486895E-3,null,7233.2120279999999,7213.1965380000001,20.015489999999772,2.7748432882086504E-3,null,null,7233.2120279999999,7213.1965380000001,7324.6428370000003,7588.5321169999997,7207.2436749999997,7037.2268100000001,6899.0750660000003,6690.572083,6815.9141890000001,6596.2710779999998,6812,6609.8885570000002,6726.3533559999996,6806.8084699999999,7106.3823050000001,6716.1751459999996,null,null,7207.2436749999997,6815.9141890000001,6726.3533559999996]
["Loan/deposit ratio",0.91873390663448695,0.92070638335951649,-0.19724767250295372,-2.1423515256104864E-3,null,0.91873390663448695,0.92214907856154138,-0.34151719270544278,-3.7034922079862698E-3,null,null,0.91873390663448695,0.92214907856154138,0.90791915291855474,0.8812144166879593,0.92070638335951649,0.92874436840838437,0.92284810153419483,0.90770102655809015,0.88196799582683238,0.88348989240857279,0.84942834069720197,0.89247552634645722,0.86751987342367032,0.89463095955159144,0.86225964379775932,0.9422953967734421,null,null,0.92070638335951649,0.88196799582683238,0.86751987342367032]
[]
["Return on equity before tax",0.14249180925632537,0.20954161042511019,-6.7049801168784811,-0.31998322926294531,null,0.10198520223985827,0.12298026682077627,-2.0995064580918004,-0.17071897080459986,null,null,0.10198520223985827,0.12298026682077627,0.16445386983222363,0.15195906137387899,0.2099608666808005,0.23456144919274746,0.23704798271594416,0.18721915148315302,0.24710748168030716,0.17254813900427676,0.13055172080709157,8.960199520191249E-2,0.18572913985610653,0.15037974589472711,0.19853297065812145,0.16524761019366971,null,null,0.20954161042511019,0.16697512025178296,0.16868059772991761]
["Return on equity after tax",0.11238832574110849,0.1692106648974446,-5.6822339156336108,-0.33580826120371943,null,8.9580251809422043E-2,9.3009018583651057E-2,-0.3428766774229014,-3.6864885001933745E-2,null,null,8.9580251809422043E-2,9.3009018583651057E-2,0.12971872089742822,0.11479610260679096,0.17614175009613459,0.18497487322326353,0.19060396007217745,0.14930305794791143,0.18642090036316386,0.13053504563878149,0.10206642331814307,6.5691752195878167E-2,0.13674438413406462,0.11906807658958458,0.15481729705509792,0.13568223142094471,null,null,0.1692106648974446,0.12648362709979646,0.13152283617436869]
["Cost/income ratio",0.59125507282804968,0.54974023100991221,4.1514841818137471,7.5517197898854471E-2,null,0.63611439861214936,0.58404191550988893,5.2072483102260421,8.9158811584266751E-2,null,null,0.63611439861214936,0.58404191550988893,0.56141951450839278,0.57937592887335376,0.48491047807161225,0.52567140533964429,0.59446822459689497,0.60556163743988589,0.5674993474437503,0.61383185866549672,0.56083793118325298,0.59447767719014133,0.52299352240191732,0.58152382223949106,0.5693018946669578,0.62294497270487426,null,null,0.54974023100991221,0.58280721770787292,0.57408026367815923]
["Net interest margin (avg. assets)",2.9749735795267209E-2,3.285488212840388E-2,-0.31051463331366708,-9.4510956423495829E-2,null,3.0380863903932433E-2,2.8451638487217826E-2,0.1929225416714607,6.7807181564651486E-2,null,null,3.0380863903932433E-2,2.8451638487217826E-2,2.836611763093605E-2,3.1449452144308214E-2,3.1878167307203345E-2,3.2809264965312265E-2,3.42839448615943E-2,3.2825830240322443E-2,3.2957549616143451E-2,3.1278480549900033E-2,null,null,null,null,null,null,null,null,3.285488212840388E-2]
["Net interest margin (avg. interest bearing assets)",3.175000793914811E-2,3.4989518452920962E-2,-0.32395105137728519,-9.2585169988311566E-2,null,3.2499086294434529E-2,3.0305965552992548E-2,0.21931207414419807,7.2365974864160743E-2,null,null,3.2499086294434529E-2,3.0305965552992548E-2,3.5853037942877253E-2,3.2200464076512877E-2,3.3722105502121069E-2]
["Provisioning ratio (avg. loans and advances to customers)",6.1074802505680934E-3,2.633409446875352E-3,0.34740708036927415,1.3192292629673932,null,9.6858828018155183E-3,5.0103520895829288E-3,0.46755307122325895,0.93317408210762887,null,null,9.6858828018155183E-3,5.0103520895829288E-3,2.1410546442646849E-3,7.5405022282330376E-3,7.2308294857524342E-3,4.5725516790734878E-3,-2.0887115327847161E-3,4.108656157631803E-4,4.0769990626736358E-3,3.5204729520344866E-3,9.9536308805975478E-3,1.5862671251819394E-2,1.0947867514961362E-2,1.0519332299769547E-2,1.008801519418284E-2,null,null,null,2.633409446875352E-3,8.2642579421060309E-3]
[]
["NPL ratio",5.1462863932636015E-2,5.0992755736742688E-2,4.701081958933262E-2,9.2191172863911319E-3,null,5.1462863932636015E-2,5.1895517516505708E-2,-4.3265358386969377E-2,-8.3370126086917962E-3,null,null,5.1462863932636015E-2,5.1895517516505708E-2,5.0678230455811546E-2,4.9318611526256335E-2,5.0992755736742688E-2,4.8151117290869891E-2,5.0239044896953286E-2,5.3915704870403709E-2,5.6292327041017297E-2,5.6238353440425826E-2,null,null,null,null,null,null,null,null,5.0992755736742688E-2]
["NPL coverage ratio",0.64154300136328957,0.61560782511504153,2.5935176248248037,4.2129380410980577E-2,null,0.64154300136328957,0.60041810486798186,4.1124896495307706,6.8493764864652418E-2,null,null,0.64154300136328957,0.60041810486798186,0.61727621288941736,0.63960385575405643,0.61560782511504153,0.67075649136031978,0.6449834640651303,0.65045825248600053,0.65776914834026257,0.66259540741792722,null,null,null,null,null,null,null,null,0.61560782511504153]
[]
["Number of employees",3827,3805,22,5.7818659658344096E-3,null,3827,3823,4,1.0462987182839889E-3,null,null,3827,3823,3819,3815,3805,3807,3768,3769,3693,3695,3564,3621,3601,3661,3659,3846,null,null,3805,3693,3601]
["Business outlets",163,156,7,4.4871794871794934E-2,null,163,152,11,7.2368421052631637E-2,null,null,163,152,152,155,156,156,157,157,159,157,158,156,152,155,155,160,null,null,156,159,152]
["Number of customers",840728,788215,52513,6.6622685434811535E-2,null,840728,830408,10320,1.2427625938093101E-2,null,null,840728,830408,818395,800581,788215,770491,757893,747832,735722,734946,728775,733546,742042,745238,743817,743960,null,null,788215,735722,742042]
[]
["Back to Contents"]

{"sheet":"CE-SI","index":17,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Slovenia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",24.531723,30.908846,-6.377123000000001,-0.20632032007924206,null,6.0944709999999995,6.0820889999999999,1.2381999999999671E-2,2.0358136817792971E-3,null,null,6.0944709999999995,6.0820889999999999,6.1202030000000001,6.2349600000000001,7.4717289999999998,7.295304999999999,8.337016000000002,7.8047959999999996,8.4376100000000029,6.7964219999999997,8.1056069999999991,8.0946999999999996,8.1027409999999982,6.8069800000000003,5.9325099999999997,4.4096719999999996,null,null,30.908846,31.434339000000001,25.251902999999999]
["Net fee and commission income",7.9538380000000002,7.5511699999999999,0.40266800000000025,5.3325246286337169E-2,null,2.1433270000000002,2.1479460000000001,-4.6189999999999287E-3,-2.1504265004799183E-3,null,null,2.1433270000000002,2.1479460000000001,1.7987359999999999,1.863829,1.8305720000000001,1.8661770000000004,2.0111939999999997,1.8432269999999999,1.7563679999999995,1.691875,1.6061110000000001,1.3735790000000001,1.601701,1.4442099999999998,1.3356809999999999,1.2865040000000001,null,null,7.5511699999999999,6.4279330000000003,5.6680960000000002]
["Net trading income",0.73157700000000003,0.194412,0.537165,2.7630238874143571,null,0.27308199999999999,0.16556000000000001,0.10752199999999998,0.64944431021985971,null,null,0.27308199999999999,0.16556000000000001,0.173958,0.118977,5.595E-2,0.36993799999999999,-0.203233,-2.8243000000000001E-2,0.1824380000000001,-1.530915,0.30047999999999997,0.300373,0.20076499999999992,0.16940499999999997,0.36081000000000002,0.106255,null,null,0.194412,-0.74762399999999996,0.83723499999999995]
["Other net operating income",0.32384800000000002,-4.4070999999999999E-2,0.367919,"–",null,2.8382000000000004E-2,3.7629000000000003E-2,-9.2469999999999983E-3,-0.24574131653777664,null,null,2.8382000000000004E-2,3.7629000000000003E-2,0.13995299999999999,0.117884,-0.44677599999999995,0.24280499999999999,-4.0386000000000005E-2,0.20028599999999999,0.34810800000000014,1.8549719999999998,-0.37826699999999996,-2.4081000000000002E-2,-8.8550000000000018E-2,0.14019000000000004,-4.927999999999999E-2,0.399864,null,null,-4.4070999999999999E-2,1.800732,0.40222400000000003]
["Operating income",33.540985999999997,38.610357,-5.0693710000000038,-0.13129562619687785,null,8.5392620000000008,8.4332240000000009,0.10603799999999985,1.2573838901942969E-2,null,null,8.5392620000000008,8.4332240000000009,8.2328500000000009,8.3356499999999993,8.9114749999999976,9.7742249999999995,10.104591000000001,9.8200660000000006,10.724524000000002,8.8123539999999991,9.6339310000000005,9.7445709999999988,9.8166569999999993,8.5607849999999992,7.5797209999999993,6.2022949999999994,null,null,38.610357,38.915379999999999,32.159457999999994]
["General administrative expenses",-24.159891999999999,-25.720621999999999,1.5607299999999995,-6.0680103303878075E-2,null,-5.9019939999999993,-6.1947470000000004,0.29275300000000115,-4.7258265753226225E-2,null,null,-5.9019939999999993,-6.1947470000000004,-6.0126720000000002,-6.0504790000000002,-5.3114999999999961,-6.6971840000000027,-6.9060350000000001,-6.8059029999999998,-6.659199000000001,-6.5635350000000017,-6.899182999999999,-6.4617710000000006,-6.9529299999999985,-6.5185320000000004,-6.7174950000000013,-6.3058759999999996,null,null,-25.720621999999999,-26.583688000000002,-26.494833]
["Staff expenses",-11.985715000000001,-12.674517,0.68880199999999903,-5.4345423971580042E-2,null,-2.6216400000000006,-3.1657790000000001,0.54413899999999948,-0.17188154953330581,null,null,-2.6216400000000006,-3.1657790000000001,-3.114258,-3.0840380000000001,-2.1625219999999996,-3.5162230000000014,-3.4559529999999996,-3.539819,-3.3771670000000005,-3.2602150000000001,-3.2363379999999995,-3.2012170000000002,-2.9186139999999994,-3.3259250000000011,-3.3278260000000004,-3.3869729999999998,null,null,-12.674517,0,-12.959338000000001]
["Other administrative expenses",-9.6120269999999994,-10.371625999999999,0.75959899999999969,-7.3238178854501679E-2,null,-2.6265179999999995,-2.3876680000000001,-0.23884999999999934,0.1000348457155682,null,null,-2.6265179999999995,-2.3876680000000001,-2.2625380000000002,-2.3353030000000001,-2.5177149999999986,-2.4971590000000004,-2.7836000000000003,-2.5731519999999999,-2.6847859999999999,-2.5427539999999995,-2.8985620000000001,-2.5578560000000001,-3.4206090000000002,-2.6263330000000003,-2.7705150000000001,-2.272891,null,null,-10.371625999999999,0,-11.090348000000001]
["Depreciation on intangible and tangible fixed ass.",-2.5621499999999999,-2.6744789999999998,0.1123289999999999,-4.2000329783856927E-2,null,-0.65383600000000008,-0.64129999999999998,-1.2536000000000103E-2,1.954779354436309E-2,null,null,-0.65383600000000008,-0.64129999999999998,-0.635876,-0.63113799999999998,-0.6312629999999998,-0.68380200000000035,-0.66648199999999991,-0.69293199999999999,-0.59724599999999994,-0.76056599999999985,-0.76428300000000005,-0.70269800000000004,-0.613707,-0.56627399999999994,-0.61915399999999998,-0.64601200000000003,null,null,-2.6744789999999998,0,-2.445147]
["Operating result",9.3810939999999974,12.889735000000002,-3.5086410000000043,-0.27220427727955643,null,2.6372680000000015,2.2384770000000005,0.39879100000000101,0.17815282444269065,null,null,2.6372680000000015,2.2384770000000005,2.2201780000000007,2.2851709999999992,3.599975000000005,3.0770409999999959,3.1985560000000008,3.0141630000000008,4.0653250000000014,2.2488189999999975,2.7347480000000015,3.2827999999999982,2.8637270000000008,2.0422529999999988,0.86222599999999794,-0.10358100000000015,null,null,12.889735000000002,12.331691999999997,5.6646249999999938]
["Net provisioning for impairment losses",-33.699545999999998,-15.224714000000001,-18.474831999999999,1.2134764567662812,null,-24.684783999999997,-3.9309379999999998,-20.753845999999996,">500,0%",null,null,-24.684783999999997,-3.9309379999999998,-2.7448320000000002,-2.3389920000000002,-2.0790670000000002,-3.4173419999999997,-7.4796880000000012,-2.2486169999999999,-2.8412929999999994,-2.5677840000000005,-0.78209599999999968,-2.6203820000000002,-0.9528989999999995,-0.80507699999999982,-1.3659820000000003,-2.891607,null,null,-15.224714000000001,-8.8115550000000002,-6.0155649999999996]
["Other results",-0.11157399999999995,-3.7036509999999998,3.5920770000000002,-0.96987459131543441,null,0.25775900000000002,-0.54647699999999999,0.80423599999999995,"–",null,null,0.25775900000000002,-0.54647699999999999,3.7738000000000008E-2,0.13940600000000003,-2.2165130000000004,-1.6287119999999997,-0.23771100000000012,0.37928500000000009,-0.18755499999999969,5.9797999999999796E-2,7.9565000000000108E-2,0.13575999999999988,0.65059400000000023,8.3176999999999834E-2,0.33513400000000004,0.41134400000000004,null,null,-3.7036509999999998,8.756800000000009E-2,1.4802490000000001]
["Net income from derivatives",-0.48104999999999998,-1.430321,0.94927099999999998,-0.6636768949068077,null,-0.19551299999999999,-0.16277,-3.2742999999999994E-2,0.20116114763162751,null,null,-0.19551299999999999,-0.16277,-0.122767,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",0.36947600000000003,-2.2733300000000001,2.6428060000000002,"–",null,0.45327200000000001,-0.38370700000000002,0.83697900000000003,"–",null,null,0.45327200000000001,-0.38370700000000002,0.16050500000000001,0.13940600000000003,-2.2165130000000004,-1.6287119999999997,-0.23771100000000012,0.37928500000000009,-0.18755499999999969,5.9797999999999796E-2,7.9565000000000108E-2,0.13575999999999988,0.65059400000000023,8.3176999999999834E-2,0.33513400000000004,0.41134400000000004,null,null,-3.7036509999999998,8.756800000000009E-2,1.4802490000000001]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",-24.430026000000002,-6.0386300000000004,-18.391396,3.0456239246319114,null,-21.789756999999998,-2.2389380000000001,-19.550818999999997,">500,0%",null,null,-21.789756999999998,-2.2389380000000001,-0.48691600000000002,8.5584999999999994E-2,-0.69560500000000047,-1.9690129999999995,-4.5188430000000004,1.1448309999999999,1.0364770000000001,-0.25916700000000015,2.0322170000000002,0.79817800000000005,2.5614219999999999,1.3203530000000001,-0.16862200000000005,-2.583844,null,null,-6.0386300000000004,3.6077050000000002,1.1293089999999999]
["Income taxes",-0.95438800000000001,0.51333099999999998,-1.467719,"–",null,-1.1006720000000001,0.119586,-1.2202580000000001,"–",null,null,-1.1006720000000001,0.119586,-2.8046999999999999E-2,5.4745000000000002E-2,0.55843599999999993,1.8204999999999999E-2,0.24166099999999999,-0.30497099999999999,-0.21976899999999988,-0.12199499999999996,-0.43904800000000005,-0.27119799999999999,-0.33296700000000001,-0.13372299999999998,-3.5696000000000006E-2,7.8253000000000003E-2,null,null,0.51333099999999998,-1.0520099999999999,-0.42413299999999998]
["Profit after tax",-25.384414,-5.5252990000000004,-19.859114999999999,3.5942154442682641,null,-22.890428999999997,-2.1193520000000001,-20.771076999999998,">500,0%",null,null,-22.890428999999997,-2.1193520000000001,-0.51496299999999995,0.14033000000000001,-0.1371690000000001,-1.9508080000000003,-4.2771819999999998,0.83986000000000005,0.81670799999999977,-0.381162,1.5931690000000001,0.52698,2.2284550000000003,1.1866300000000001,-0.20431800000000022,-2.5055909999999999,null,null,-5.5252990000000004,2.5556950000000001,0.70517600000000003]
[]
["Total assets",1611.5708079999999,1731.839326,-120.26851800000009,-6.9445540469266431E-2,null,1611.5708079999999,1650.97649,-39.40568200000007,-2.3868106080662699E-2,null,null,1611.5708079999999,1650.97649,1628.6916859999999,1660.297386,1731.839326,1668.3001039999999,1679.2923900000001,1684.775521,1610.570414,1614.6789699999999,1593.654728,1603.093744,1582.707678,1523.715672,1485.7003360000001,1475.518885,null,null,1731.839326,1610.570414,1582.707678]
["Loans and advances to customers",1225.419656,1303.14905,-77.729393999999957,-5.9647354997496183E-2,null,1225.419656,1274.59132,-49.171663999999964,-3.8578376636049905E-2,null,null,1225.419656,1274.59132,1268.892362,1295.308716,1303.14905,1341.53927,1344.027497,1331.1629600000001,1316.585325,1284.1761530000001,1232.277464,1240.104008,1233.4666669999999,1185.5654790000001,1178.3105149999999,1167.459912,null,null,1303.14905,1316.585325,1233.4666669999999]
["  Hereof corporate %",0.62367596415922699,0.61719803337914547,0.647793078008152,1.0495708718666785E-2,null,0.62367596415922699,0.62479885704512272,-0.11228928858957321,-1.7972070102788562E-3,null,null,0.62367596415922699,0.62479885704512272,0.62119471160666151,0.62124327091064757,0.61719803337914547,0.62373587350050952,0.63107437573798741,0.68776400786380032,0.69076284478404359,0.69507753894570246,0.65800000000000003,0.68,0.68600000000000005,0.68400000000000005,0.71299999999999997,0.69099999999999995,null,null,0.61719803337914547,0.69076284478404359,0.68600000000000005]
["  Hereof retail %",0.31213053483703546,0.32102929135501773,-0.88987565179822758,-2.7719453512861425E-2,null,0.31213053483703546,0.31294117093247953,-8.1063609544407278E-2,-2.5903785463210482E-3,null,null,0.31213053483703546,0.31294117093247953,0.3158361783351144,0.31671979427302677,0.32102929135501773,0.31535199498486438,0.30824380760207942,0.30385234565564095,0.30045990194328509,0.29497432974057097,0.34200000000000003,0.32,0.314,0.316,0.307,0.309,null,null,0.32102929135501773,0.30045990194328509,0.314]
["  Hereof FCY %",4.8979955320710145E-2,6.8524778497133537E-2,-1.9544823176423392,-0.28522271220827033,null,4.8979955320710145E-2,4.9990141153636598E-2,-0.10101858329264538,-2.0207701150949164E-2,null,null,4.8979955320710145E-2,4.9990141153636598E-2,5.5014122624216726E-2,5.7342314679522298E-2,6.8524778497133537E-2,6.6563836032917628E-2,7.2146589423534691E-2,7.8174500889057183E-2,9.5122585389594852E-2,9.8656247201002162E-2,0.13500000000000001,0.13400000000000001,0.13600000000000001,0.154,0.17199999999999999,0.184,null,null,6.8524778497133537E-2,9.5122585389594852E-2,0.13600000000000001]
["Deposits from customers",494.98923200000002,463.79010399999999,31.19912800000003,6.726993036487916E-2,null,494.98923200000002,489.46995900000002,5.5192729999999983,1.1276019903807777E-2,null,null,494.98923200000002,489.46995900000002,466.705828,465.47255200000001,463.79010399999999,402.11069099999997,479.577584,527.51088200000004,446.694773,474.79130600000002,469.25570900000002,471.70513599999998,527.84316000000001,586.54966200000001,515.19130700000005,525.78743699999995,null,null,463.79010399999999,446.694773,527.84316000000001]
["Loan/deposit ratio",2.4756491187670928,2.8097819223844414,-33.413280361734856,-0.11891769996647861,null,2.4756491187670928,2.6040235903425484,-12.837447157545556,-4.9298505609378318E-2,null,null,2.4756491187670928,2.6040235903425484,2.7188269052427603,2.7827821649943387,2.8097819223844414,3.3362437259843958,2.8025235996017694,2.5234796198953107,2.9473936221769939,2.7047170762642399,2.6260255130961014,2.6289813558443003,2.3368052491198332,2.0212533666075152,2.2871319818290332,2.2204028279207444,null,null,2.8097819223844414,2.9473936221769939,2.3368052491198332]
[]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–",5.4402995505209648E-2,5.2567376776056954E-2,-1.3144265947937446E-2,0.10306868047212639,4.048148068925754E-2,0.13108057398254369,6.756896329444094E-2,-8.62921788993945E-3,-0.13222801810921886,null,null,"–",4.5948735638429078E-2,1.4448075319456577E-2]
["Return on equity after tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–",3.9910606722743686E-2,4.1421273363538132E-2,-1.9331530238216016E-2,8.0801325153316367E-2,2.6727034187392959E-2,0.11404101334894033,6.0725699047211208E-2,-1.045595794639282E-2,-0.12822342684863938,null,null,"–",3.2550043289973817E-2,9.0218319002798274E-3]
["Cost/income ratio",0.72030953413235976,0.66615861645620111,5.4150917676158645,8.1288324339671814E-2,null,0.69115972785470203,0.73456450344494584,-4.3404775590243805,-5.9089127485312698E-2,null,null,0.69115972785470203,0.73456450344494584,0.73032692202578686,0.72585569211759138,0.59602927685932994,0.68518823743058943,0.683455173989724,0.69306082056882301,0.62093189404023896,0.74481063743013531,0.7161337360626725,0.66311497961275068,0.70827879592818599,0.76144091926149304,0.88624568107454116,1.0167004310501193,null,null,0.66615861645620111,0.68311521049004287,0.82385819437628593]
["Net interest margin (avg. assets)",1.4807805356363495E-2,1.8453532084207528E-2,-0.36457267278440336,-0.19756254310599075,null,1.4944080053609692E-2,1.4835864297510565E-2,1.0821575609912606E-2,7.2941996454689573E-3,null,null,1.4944080053609692E-2,1.4835864297510565E-2,1.4886526810570079E-2,1.4704501685779933E-2,1.8453532084207528E-2,1.7434153083030538E-2,1.9826034956640926E-2,1.8947439580421468E-2,2.092888702959288E-2,1.6946920463383794E-2,null,null,null,null,null,null,null,null,1.8453532084207528E-2]
["Net interest margin (avg. interest bearing assets)",1.5726354742612504E-2,1.9341370196002405E-2,-0.36150154533899015,-0.18690586120610397,null,1.6023774667399925E-2,1.5892143030248836E-2,1.3163163715108894E-2,8.2828122614140298E-3,null,null,1.6023774667399925E-2,1.5892143030248836E-2,1.5774511065440713E-2,1.542274221106921E-2,1.8403527966042013E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.6655036835688813E-2,1.4962680065355463E-2,1.169235677033335,0.78143465737837925,null,7.8990961998080436E-2,1.2363949579292013E-2,6.6627012418788416,">500,0%",null,null,7.8990961998080436E-2,1.2363949579292013E-2,8.5635468249342962E-3,7.2011699573646263E-3,1.4962680065355463E-2,1.0179875747620909E-2,2.2367567828087541E-2,6.7940506663381707E-3,8.7398802974733968E-3,8.1631832437625267E-3,2.5306644912440105E-3,8.474815865125827E-3,3.1513396845946652E-3,2.7245997744160849E-3,4.6585360077096762E-3,null,null,null,1.16230974752927E-2,6.9108826232904524E-3]
[]
["NPL ratio",0.14659864244906481,6.7107351227397971E-2,7.949129122166684,1.184539245965841,null,0.14659864244906481,0.10472950733730087,4.1869135111763951,0.39978355839025004,null,null,0.14659864244906481,0.10472950733730087,9.1242629766889558E-2,7.0263968639889846E-2,6.7107351227397971E-2,6.5338567390576655E-2,6.0563031769579938E-2,5.1146440683834435E-2,4.1747468209096132E-2,4.9276375775845288E-2,null,null,null,null,null,null,null,null,6.7107351227397971E-2]
["NPL coverage ratio",0.43459611852625357,0.56018035998974092,-12.558424146348734,-0.22418537034355734,null,0.43459611852625357,0.41865899009239987,1.5937128433853698,3.8067087560537782E-2,null,null,0.43459611852625357,0.41865899009239987,0.44982137051034177,0.56677918583336806,0.56018035998974092,0.52826871357549843,0.57889152093690321,0.59957747720393062,0.70054273967606195,0.57030915833588602,null,null,null,null,null,null,null,null,0.56018035998974092]
[]
["Number of employees",310,323,-13,-4.0247678018575872E-2,null,310,321,-11,-3.4267912772585674E-2,null,null,310,321,326,319,323,342,357,353,352,351,357,368,352,354,348,347,null,null,323,352,352]
["Business outlets",17,17,0,0,null,17,17,0,0,null,null,17,17,17,17,17,17,17,17,17,17,17,17,17,16,16,16,null,null,17,17,17]
["Number of customers",68593,67526,1067,1.5801320972662403E-2,null,68593,67914,679,9.9979385693671485E-3,null,null,68593,67914,67718,67720,67526,67823,67102,67040,66899,66321,66508,66822,67364,67582,70418,71190,null,null,67526,66899,67364]
[]
["Back to Contents"]

{"sheet":"CE-PL","index":18,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Poland",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",269.21334988399997,191.189904442,78.023445441999968,0.40809396118333963,null,83.08291754899993,81.819750158410088,1.2631673905898424,1.5438416618777762E-2,null,null,83.08291754899993,81.819750158410088,61.125555995589934,43.185126181000001,44.091938418000019,49.178970039999989,48.960711713999991,48.95828427,49.382982812000009,45.982599664000006,43.845192999999995,38.721502999999998,39.003558999999996,32.367080999999999,26.153859000000001,25.437808,null,null,191.189904442,177.93227847600002,122.962307]
["Net fee and commission income",154.21129251799999,138.268909385,15.942383132999993,0.11529984002845906,null,42.154592751000003,43.294689280999997,-1.1400965299999939,-2.6333403679151268E-2,null,null,42.154592751000003,43.294689280999997,38.104004977000002,30.658005508999999,35.854963950000005,33.789091381999988,34.468545776000006,34.156308277000001,36.748006613999976,32.743707935000003,32.909734999999998,29.696065000000001,36.43472100000001,32.822915999999992,25.408285000000003,26.322661,null,null,138.268909385,132.09751454899998,120.98858300000001]
["Net trading income",19.307417748999999,32.414628944999997,-13.107211195999998,-0.40436098214296556,null,0.78156096700000077,-1.9051837344100697,2.6867447014100705,"–",null,null,0.78156096700000077,-1.9051837344100697,10.256761897410067,10.174278619000001,15.351041395999999,6.6985032089999974,4.773657963999999,5.5914263760000003,9.0580368910000004,9.1598800999999952E-2,6.8274890000000008,7.0547659999999999,7.2210859999999997,7.0945220000000013,9.1917299999999997,8.9996949999999991,null,null,32.414628944999997,23.031890692000001,32.507033]
["Other net operating income",17.366984962,16.361076572999998,1.0059083890000018,6.1481797026731844E-2,null,13.024180080999999,-2.7524173609999996,15.776597441999998,"–",null,null,13.024180080999999,-2.7524173609999996,4.2319120909999999,2.8633101509999999,5.0340438380000023,1.1589901109999996,1.4496409499999992,8.7184016740000008,-9.1976851679999996,0.22624352800000014,2.0266739999999999,1.104811,-5.2268090000000003,-0.8129489999999997,1.1951499999999997,1.4204220000000001,null,null,16.361076573000002,-5.8399566399999996,-3.4241860000000002]
["Operating income",460.09904511299999,378.23451934499997,81.864525768000021,0.21643853636037047,null,139.04325134799996,120.45683834400002,18.586413003999937,0.15429935950104356,null,null,139.04325134799996,120.45683834400002,113.71823496100001,86.880720460000006,100.33198760200001,90.825554741999952,89.652556403999995,97.424420597000008,85.991341148999993,79.04414992800001,85.609090999999992,76.577145000000002,77.432557000000003,71.471569999999986,61.949024000000001,62.180586000000005,null,null,378.23451934499997,327.22172707699997,273.03373699999997]
["General administrative expenses",-329.36272293400003,-208.76158143999999,-120.60114149400005,0.57769796847731736,null,-114.68142396800002,-92.653156805000009,-22.02826716300001,0.23774977477951675,null,null,-114.68142396800002,-92.653156805000009,-71.870221229999999,-50.157920931,-57.505799199999984,-51.175908730999993,-50.875026129000005,-49.204847380000004,-50.86907719300001,-42.964754690999996,-45.429736000000005,-44.506986999999995,-39.200166000000003,-37.526900000000019,-35.617011999999995,-37.254624,null,null,-208.76158143999999,-183.77055488400001,-149.598702]
["Staff expenses",-141.60965243499999,-95.032342263999993,-46.577310170999993,0.49012061642770166,null,-48.822653418999998,-37.928933588999996,-10.893719830000002,0.28721397622313738,null,null,-48.822653418999998,-37.928933588999996,-32.748099338999999,-22.109966088,-26.073580855999989,-22.107199297000005,-23.625936472999999,-23.225625638,-20.636068709,-20.022667538,-22.170121000000002,-21.278075999999999,-17.643835000000003,-16.047716000000001,-14.997523000000001,-17.367531,null,null,-95.032342263999993,0,-66.056605000000005]
["Other administrative expenses",-151.86130624099999,-92.024638354999993,-59.836667886000001,0.650224428540217,null,-54.137520999999992,-44.342287690000006,-9.7952333099999862,0.22090049522205835,null,null,-54.137520999999992,-44.342287690000006,-31.304080758000001,-22.077416793000001,-26.000331313,-23.317451107999997,-21.957850989000004,-20.749004944999999,-25.592588916999997,-18.365645302000008,-19.068321999999998,-19.048354,-17.735418000000013,-17.893716999999999,-17.456384000000003,-16.267537999999998,null,null,-92.024638355000008,0,-69.353057000000007]
["Depreciation on intangible and tangible fixed ass.",-35.891764258000002,-21.704600821,-14.187163437000002,0.65364774749846588,null,-11.721249549000001,-10.381935525999998,-1.3393140230000036,0.12900427089398625,null,null,-11.721249549000001,-10.381935525999998,-7.8180411330000004,-5.97053805,-5.4318870310000023,-5.7512583259999985,-5.2912386669999982,-5.2302167970000006,-4.6404195670000021,-4.5764418510000002,-4.1912929999999999,-4.1805570000000003,-3.8209130000000009,-3.5854669999999995,-3.1631049999999998,-3.6195550000000001,null,null,-21.704600821,0,-14.18904]
["Operating result",130.73632217899996,169.47293790499998,-38.736615726000025,-0.22857109934398068,null,24.361827379999937,27.80368153900001,-3.4418541590000729,-0.1237913099447715,null,null,24.361827379999937,27.80368153900001,41.848013731000009,36.722799529000007,42.826188402000028,39.649646010999945,38.77753027499999,48.219573217000004,35.122263955999983,36.079395237000014,40.179354999999987,32.070158000000006,38.232391,33.944669999999967,26.332012000000006,24.925962000000006,null,null,169.47293790499998,143.45117219299996,123.43503499999997]
["Net provisioning for impairment losses",-126.828270202,-57.912274041000003,-68.915996160999995,1.1900067352252428,null,-49.733220357999997,-28.038948243999997,-21.694272114,0.77371918251756533,null,null,-49.733220357999997,-28.038948243999997,-41.361881248000003,-7.6942203520000003,-22.094327862000011,-13.299843912999997,-9.1869593250000001,-13.331142941,-9.6327449369999982,-17.420061477000001,-15.470780999999999,-18.752376000000002,-23.913153999999995,-18.061853999999997,-20.885771000000002,-12.692665999999999,null,null,-57.912274041000003,-61.275963413999996,-75.553444999999996]
["Other results",2.1642408279999996,0.19313246299999998,1.9711083649999999,">500,0%",null,2.1642408279999996,6.3956658999999985E-2,2.1002841689999996,">500,0%",null,null,2.1642408279999996,-0.34478788900000001,0,0.34478788900000001,0.14860319700000002,-0.15548082099999999,0.21432347900000001,-1.4313392000000008E-2,-3.4085904780000003,3.5071864669999999,-0.105075,5.0306999999999998E-2,2.7975000000000361E-2,-2.7088060000000005,0.27990700000000002,-0.18219299999999999,null,null,0.19313246300000003,4.3827988999999998E-2,-2.5831170000000001]
["Net income from derivatives",0.13835676599999999,-7.4867687000000002E-2,0.21322445299999998,"–",null,4.2150636999999984E-2,0.10750857900000001,-6.535794200000003E-2,-0.60793233998563045,null,null,4.2150636999999984E-2,0.10750857900000001,-1.130245E-2,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",2.0258840619999998,0.26800014999999999,1.7578839119999998,">500,0%",null,1.8590640619999999,-4.3551920000000022E-2,1.9026159819999999,"–",null,null,1.8590640619999999,-4.3551920000000022E-2,-0.134415969,0.34478788900000001,0.14860319700000002,-0.15548082099999999,0.21432347900000001,-1.4313392000000008E-2,-3.4085904780000003,3.5071864669999999,-0.105075,5.0306999999999998E-2,2.7975000000000361E-2,-2.7088060000000005,0.27990700000000002,-0.18219299999999999,null,null,0.19313246300000003,4.3827988999999998E-2,-2.5831170000000001]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",6.072292805,111.753796327,-105.681503522,-0.94566365524414031,null,-23.470178278999999,-0.1713100460000021,-23.298868232999997,">500,0%",null,null,-23.470178278999999,-0.1713100460000021,0.34041406400000002,29.373367066,20.880463736999999,26.194321277,29.804894429000001,34.874116884000003,22.080928541000013,22.166519226999995,24.603498999999999,13.36809,14.347213,13.174010000000003,5.7261489999999995,12.051100999999999,null,null,111.753796327,82.219036768000009,45.298473000000001]
["Income taxes",-5.1853356660000003,-24.002411138999999,18.817075472999999,-0.78396605091166549,null,2.417084375,-0.99747954800000027,3.4145639230000002,"–",null,null,2.417084375,-0.99747954800000027,-0.70352857700000004,-5.9014119159999998,-4.5914674379999978,-6.0538470630000019,-7.162700106,-6.1943965319999998,-8.2066339230000018,-5.8789633049999992,-4.933662,-3.1334170000000001,-4.1398779999999995,-3.0169799999999998,-1.8654430000000004,-2.5650569999999999,null,null,-24.002411138999999,-22.152676228000001,-11.587358]
["Profit after tax",0.88695713899999995,87.751385188,-86.864428048999997,-0.98989238589111994,null,-21.053093904000001,-1.1687895939999997,-19.884304310000001,">500,0%",null,null,-21.053093904000001,-1.1687895939999997,-0.36311451300000003,23.471955149999999,16.288996299000008,20.140474213999997,22.642194322999995,28.679720352,13.874294617999997,16.287555921999999,19.669836999999998,10.234673000000001,10.207334999999997,10.157031999999997,3.8607040000000001,9.4860450000000007,null,null,87.751385188,60.066360539999998,33.711115999999997]
[]
["Total assets",13428.23101399,7368.0393068579997,6060.1917071320004,0.82249720105202417,null,13428.23101399,13711.394356692999,-283.16334270299922,-2.0651681027960334E-2,null,null,13428.23101399,13711.394356692999,13727.391909477999,7750.2749706169989,7368.0393068580006,7233.587686040999,7172.8091642319987,6832.421049470001,6928.0051353459976,6516.1872238809983,6374.7484080000004,6408.4908219999998,6240.7597610000003,6155.3559349999996,6144.7064049999999,6475.4063480000004,null,null,7368.0393068580006,6928.0051353459976,6240.7597610000003]
["Loans and advances to customers",10451.179230485999,5340.3329454909999,5110.8462849949992,0.95702764924240102,null,10451.179230485999,10560.953609581,-109.77437909500077,-1.0394362398809531E-2,null,null,10451.179230485999,10560.953609581,10587.630912492001,5568.9800806799994,5340.332945490999,5347.2905271279997,5581.487913691999,5188.6533254370006,5127.0314729559996,5084.4083692619997,4955.7340940000004,4983.394961,4820.0481110000001,4783.6823350000004,4713.544253,4750.4699650000002,null,null,5340.332945490999,5127.0314729559996,4820.0481110000001]
["  Hereof corporate %",0.32315636350693067,0.61763601633081677,-29.447965282388612,-0.47678510487989034,null,0.32315636350693067,0.3232114257859659,-5.5062279035233974E-3,-1.7035993978653519E-4,null,null,0.32315636350693067,0.3232114257859659,0.31958348378404949,0.62090526451881678,0.61763601633081677,0.605690993813503,0.59997405709731888,0.57949471664418495,0.57175936716590947,0.58914071853649819,0.66700000000000004,0.67900000000000005,0.69699999999999995,0.70399999999999996,0.71099999999999997,0.71299999999999997,null,null,0.61763601633081677,0.57175936716590947,0.69699999999999995]
["  Hereof retail %",0.67574806631864215,0.37611175183270407,29.963631448593809,0.79666831207980304,null,0.67574806631864215,0.67582057454279221,-7.2508224150058531E-3,-1.0728916354629803E-4,null,null,0.67574806631864215,0.67582057454279221,0.6795353937061086,0.37692288354420378,0.37611175183270407,0.38565677461727815,0.39240163196624267,0.4123077800731712,0.41909147808936598,0.40147817636770411,0.33300000000000002,0.32100000000000001,0.30299999999999999,0.29599999999999999,0.28899999999999998,0.28699999999999998,null,null,0.37611175183270407,0.41909147808936598,0.30299999999999999]
["  Hereof FCY %",0.54042179121038336,0.39792163179530393,14.250015941507943,0.35811111542783225,null,0.54042179121038336,0.5403193888498099,1.0240236057346142E-2,1.8952190627730126E-4,null,null,0.54042179121038336,0.5403193888498099,0.54855860088090203,0.377466245083664,0.39792163179530393,0.39740387944496897,0.36300732552509951,0.35529469486087434,0.36152303916545653,0.36259400624572463,0.39100000000000001,0.36899999999999999,0.38400000000000001,0.38200000000000001,0.39100000000000001,0.39500000000000002,null,null,0.39792163179530393,0.36152303916545653,0.38400000000000001]
["Deposits from customers",7900.9588105049997,4355.547615298,3545.4111952069998,0.81399895222232077,null,7900.9588105049997,7919.772772796,-18.81396229100028,-2.3755684450474934E-3,null,null,7900.9588105049997,7919.772772796,8137.8839046310004,4574.0854669819992,4355.547615298,4097.9754031780003,3981.7200989899989,3667.8722747219999,3895.8733388680012,3476.652443597,3339.7815820000001,3610.4200430000001,3523.8079240000002,3374.5032040000001,3376.5901349999999,3457.5952189999998,null,null,4355.547615298,3895.8733388680012,3523.8079240000002]
["Loan/deposit ratio",1.3227735368763427,1.2260990849311657,9.6674451945176987,7.8847177306721861E-2,null,1.3227735368763427,1.3334919968736119,-1.071845999726917,-8.0378885080666373E-3,null,null,1.3227735368763427,1.3334919968736119,1.3010299773958351,1.2175067826956096,1.2260990849311657,1.3048615477245542,1.4017780695101587,1.4146221397063958,1.316015955088963,1.4624436729722659,1.4838497585319039,1.3802812142764298,1.3678521119643183,1.4175960269735752,1.395948002140331,1.3739231067001312,null,null,1.2260990849311657,1.316015955088963,1.3678521119643183]
[]
["Return on equity before tax",5.7770770111435759E-3,0.15798349446541704,-15.220641745427347,-0.9634324013993234,null,"–","–","–","–",null,null,"–","–","–",0.16335266125032202,0.1295581246470035,0.15458248420628484,0.16709082241824252,0.18858359740733918,0.12518957583619353,0.12851672179327545,0.14046148234114758,7.5794748986142205E-2,8.9485801530959294E-2,8.5674931603789709E-2,4.0366412628153422E-2,8.3946183897655749E-2,null,null,0.15798349446541704,0.12588853613786724,7.1675982951876632E-2]
["Return on equity after tax",8.4383607018544897E-4,0.12405189740146373,-12.320806133127828,-0.99319771734361639,null,"–","–","–","–",null,null,"–","–","–",0.13053342948002847,0.10106920226780507,0.11885646908616183,0.12693562393908694,0.15508707660201806,7.8661413854434759E-2,9.4431754110064908E-2,0.11229518461698278,5.8028818701119388E-2,6.3664737811449101E-2,6.6054528719615591E-2,2.7215982451585255E-2,6.6078383878073715E-2,null,null,0.12405189740146373,9.1969773628544693E-2,5.3341254476828283E-2]
["Cost/income ratio",0.7158517854630817,0.55193688244404204,16.391490301903964,0.29698124592291242,null,0.82478957343260972,0.76918137715354606,5.5608196279063655,7.2295297222157107E-2,null,null,0.82478957343260972,0.76918137715354606,0.63200260938492492,0.57731934847493316,0.57315518783616393,0.56345275155622032,0.56746877244350535,0.50505660776303518,0.59156045845194472,0.54355388387547809,0.53066485660967955,0.58120457481145316,0.50624914788749653,0.52506052406572323,0.57494064797534172,0.59913594252714175,null,null,0.55193688244404204,0.56160865760835055,0.54791288301489283]
["Net interest margin (avg. assets)",2.4043204031653283E-2,3.285488212840388E-2,-0.8811678096750597,-0.26819996073377106,null,2.4618944535172275E-2,2.3862165878802709E-2,7.5677865636956596E-2,3.1714583672466601E-2,null,null,2.4618944535172275E-2,2.3862165878802709E-2,1.9986918332467796E-2,2.2851820851663159E-2,3.285488212840388E-2,2.7309518431914117E-2,2.7967101413927112E-2,2.8463237177361978E-2,2.9385466373877081E-2,2.8536392378085525E-2,null,null,null,null,null,null,null,null,2.6901737032524058E-2]
["Net interest margin (avg. interest bearing assets)",2.5310655670369057E-2,2.8944188133951637E-2,-0.36335324635825805,-0.12553582248591155,null,2.58263871208501E-2,2.5084456933113973E-2,7.4193018773612701E-2,2.9577287230671656E-2,null,null,2.58263871208501E-2,2.5084456933113976E-2,2.3893981827261546E-2,2.4193462705768658E-2,2.5773729515063556E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.6062840440947617E-2,2.5027262505812014E-3,1.3560114190366415,">500,0%",null,1.8935048902095717E-2,1.0606458589126077E-2,0.83285903129696404,0.78523762130257624,null,null,1.8935048902095717E-2,1.0606458589126077E-2,2.0480473913981136E-2,5.6423133765008873E-3,2.5027262505812014E-3,9.7356490370955635E-3,6.824021428148302E-3,1.0338542288982506E-2,7.5466301213856606E-3,1.3880330117419706E-2,1.2452423880917197E-2,1.5302685688916297E-2,1.9919887701521182E-2,1.5214423985900583E-2,1.7654894017615899E-2,null,null,null,1.1065301966355388E-2,1.2320392713623039E-2]
[]
["NPL ratio",9.7690660210074887E-2,6.3778245191168495E-2,3.3912415018906392,0.53172386473252042,null,9.7690660210074887E-2,9.2489114914193121E-2,0.52015452958817654,5.6239540195702986E-2,null,null,9.7690660210074887E-2,9.2489114914193121E-2,8.4601304616990419E-2,6.4078315926823476E-2,6.3778245191168495E-2,6.1218195708513098E-2,5.8568231456361988E-2,6.192722623192113E-2,6.1064072387972818E-2,6.5355191175104632E-2,null,null,null,null,null,null,null,null,6.3778245191168495E-2]
["NPL coverage ratio",0.73444798318448135,0.57971260483619425,15.47353783482871,0.26691739502888634,null,0.73444798318448135,0.72163465654974757,1.2813326634733779,1.7755974603542946E-2,null,null,0.73444798318448135,0.72163465654974757,0.74873675655879346,0.61101790236938347,0.57971260483619425,0.58973700474937218,0.60863999256452805,0.62153093640115653,0.61928326442934378,0.59331189601667245,null,null,null,null,null,null,null,null,0.57971260483619425]
[]
["Number of employees",6656,3169,3487,1.100347112653834,null,6656,6471,185,2.8589089785195476E-2,null,null,6656,6471,6218,3183,3169,3149,3134,3153,3071,3071,3016,3028,3007,2969,3053,3217,null,null,3169,3071,3007]
["Business outlets",416,116,300,2.5862068965517242,null,416,422,-6,-1.4218009478673022E-2,null,null,416,422,443,116,116,116,117,116,123,123,125,126,124,125,124,121,null,null,116,123,124]
["Number of customers",871102,246586,624516,2.5326498665779891,null,871102,891009,-19907,-2.234208633133894E-2,null,null,871102,891009,935310,241015,246586,243900,247543,248826,242781,240959,244333,256193,274567,290143,297673,299287,null,null,246586,242781,274567]
[]
["Back to Contents"]

{"sheet":"SEE-AL","index":19,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Albanien ",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",77.478741479000007,87.377972420000006,-9.899230940999999,-0.11329206511473311,null,18.641312837000008,17.304100202000001,1.3372126350000073,7.7277212879607093E-2,null,null,18.641312837000008,17.304100202000001,20.054982680999998,21.478345759,21.581615054000018,21.831609035999996,21.778963028,22.185785301999999,21.763752710999995,21.665714039999997,22.032135000000004,21.290331999999999,24.087135,24.142759999999992,16.395064000000001,17.003159,null,null,87.377972420000006,86.751933750999996,81.628118000000001]
["Net fee and commission income",7.7664089489999997,7.8184474909999997,-5.2038542000000021E-2,-6.6558664056902694E-3,null,2.2408211509999996,1.9135453610000004,0.32727578999999918,0.17103111150130657,null,null,2.2408211509999996,1.9135453610000004,1.816427727,1.7956147099999999,1.7214096760000004,2.1635943339999999,1.9266499760000002,2.0067935050000001,2.1645638560000009,2.002695482,1.9598139999999999,1.900774,-0.96070200000000128,3.5174990000000008,3.2475559999999994,2.6365850000000002,null,null,7.8184474910000006,8.0278473380000008,8.4409379999999992]
["Net trading income",18.541457542,14.099700281000001,4.4417572609999993,0.31502494184117324,null,4.7934161379999995,5.4803203420000006,-0.68690420400000107,-0.12534015552625899,null,null,4.7934161379999995,5.4803203420000006,3.9539718929999998,4.3137491689999994,3.8910474999999991,3.7180444329999993,3.177448322,3.3131600260000003,3.8465625929999989,4.2124119110000011,3.3889909999999999,3.4659990000000001,3.2539509999999994,-1.8113830000000002,3.9595560000000005,3.6427299999999998,null,null,14.099700280999999,14.913964504000001,9.0448540000000008]
["Other net operating income",-0.72714445999999999,-0.82524676100000005,9.8102301000000058E-2,-0.11887632358729128,null,-0.29689611999999993,-7.419127200000003E-2,-0.2227048479999999,3.0017661376664337,null,null,-0.29689611999999993,-7.419127200000003E-2,-0.31733737299999998,-3.8719694999999998E-2,-0.87379006600000009,0.16081280100000001,-0.14233093099999999,3.0061435000000001E-2,2.7721102000000063E-2,-0.37377631,0.50477899999999998,-2.9100999999999998E-2,0.53024199999999999,0.581125,-0.38840700000000006,0.57404500000000003,null,null,-0.82524676100000005,0.12962279200000001,1.297005]
["Operating income",103.05946351,108.470873431,-5.4114099210000006,-4.9888138168651119E-2,null,25.378654006000005,24.623774633000004,0.75487937300000141,3.0656525421099978E-2,null,null,25.378654006000005,24.623774633000004,25.508044927999997,27.548989942999999,26.32028216400002,27.874060603999979,26.740730395,27.535800268000003,27.802600261999995,27.507045122999997,27.885719000000005,26.628003999999997,26.910626000000001,26.430000999999994,23.213768999999999,23.856519000000002,null,null,108.470873431,109.82336838500001,100.410915]
["General administrative expenses",-42.151907476999995,-38.812776536999998,-3.3391309399999969,8.6031746191020941E-2,null,-12.977958738999996,-9.9247762879999986,-3.0531824509999979,0.307632369980126,null,null,-12.977958738999996,-9.9247762879999986,-10.636842854000001,-8.6123295960000004,-11.433228993999997,-9.3361946349999982,-9.3018208830000013,-8.7415320250000015,-10.355887289999998,-8.6343724020000003,-8.6177409999999988,-7.8354810000000006,-8.4237899999999968,-8.3142040000000037,-8.3500559999999986,-7.6425009999999993,null,null,-38.812776536999998,-35.443481691999999,-32.730550999999998]
["Staff expenses",-17.664544901999999,-15.334519125,-2.3300257769999995,0.15194645218455771,null,-5.5168256109999998,-4.2217639649999992,-1.2950616460000006,0.3067584205883005,null,null,-5.5168256109999998,-4.2217639649999992,-4.1924784370000001,-3.7334768889999999,-4.5448133090000002,-3.8331026809999997,-3.519903749,-3.4366993859999999,-5.0091288760000001,-3.3266387389999998,-3.1713480000000001,-2.8870740000000001,-3.2851140000000005,-3.3607,-3.2481719999999998,-2.9576129999999998,null,null,-15.334519125,0,-12.851599]
["Other administrative expenses",-19.968434429999999,-19.0508405,-0.91759392999999889,4.8165535268640758E-2,null,-6.3777650739999991,-4.553227485999999,-1.8245375880000001,0.40071303127506441,null,null,-6.3777650739999991,-4.553227485999999,-5.2912513350000001,-3.7461905350000002,-5.7992100800000008,-4.363275783999998,-4.6444965500000004,-4.2438580860000004,-4.2942695789999972,-4.2115204450000023,-4.3452259999999994,-3.8306870000000002,-3.9550039999999997,-3.6524550000000007,-3.7670110000000001,-3.2355299999999998,null,null,-19.0508405,0,-14.61]
["Depreciation on intangible and tangible fixed ass.",-4.5189281450000003,-4.427416912,-9.1511233000000303E-2,2.0669215214851322E-2,null,-1.0833680539999999,-1.1497848370000001,6.6416783000000201E-2,-5.7764531991301826E-2,null,null,-1.0833680539999999,-1.1497848370000001,-1.153113082,-1.1326621720000001,-1.0892056050000003,-1.1398161699999998,-1.1374205839999998,-1.0609745530000001,-1.0524888349999999,-1.0962132180000002,-1.101167,-1.11772,-1.1836719999999998,-1.3010490000000001,-1.3348730000000002,-1.4493579999999999,null,null,-4.427416912,0,-5.2689519999999996]
["Operating result",60.907556033000006,69.65809689400001,-8.7505408609999975,-0.12562130249288694,null,12.400695267000009,14.698998345000005,-2.2983030779999964,-0.15635780235200747,null,null,12.400695267000009,14.698998345000005,14.871202073999996,18.936660347,14.887053170000033,18.537865968999977,17.438909511999999,18.794268243000001,17.446712971999997,18.872672720999997,19.267978000000006,18.792522999999996,18.486836000000004,18.11579699999999,14.863713000000001,16.214018000000003,null,null,69.65809689400001,74.379886693000003,67.680363999999997]
["Net provisioning for impairment losses",-20.263761628000001,-14.29753161,-5.966230018000001,0.41729091291724041,null,-8.0152434090000018,-5.9575240029999996,-2.0577194060000021,0.34539842474219262,null,null,-8.0152434090000018,-5.9575240029999996,-2.217189216,-4.0738050000000001,3.0509453890000029,-4.2896432660000041,-10.235287848999999,-2.8235458840000001,-11.522610963999997,-10.579556670000004,-2.5558350000000001,-6.3723989999999997,-1.2023640000000002,-13.660048,-9.7220319999999987,-4.1207289999999999,null,null,-14.29753161,-31.030401634,-28.705172999999998]
["Other results",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from derivatives",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",40.643794405000001,55.360565284000003,-14.716770879000002,-0.26583490980453117,null,4.3854518580000033,8.7414743419999965,-4.3560224839999933,-0.49831668132579132,null,null,4.3854518580000033,8.7414743419999965,12.654012858,14.862855347,17.937998559,14.248222703000003,7.2036216629999998,15.970722359,5.9241020080000037,8.2931160509999966,16.712142,12.420125000000001,17.284471999999997,4.4557490000000008,5.1416800000000009,12.09329,null,null,55.360565284000003,43.349485059000003,38.975191000000002]
["Income taxes",-3.3415956960000002,-5.9808368569999999,2.6392411609999997,-0.4412829214545485,null,0.57023854299999988,-0.97047920099999985,1.5407177439999997,"–",null,null,0.57023854299999988,-0.97047920099999985,-1.3935788090000001,-1.5477762290000001,-1.6368472539999996,-1.4977839009999996,-0.71393909300000002,-2.1322666090000002,-0.65648681100000061,-0.8934470200000002,-1.7042279999999999,-1.258675,-1.8093559999999997,-0.48471299999999995,-0.58962399999999993,-1.2451490000000001,null,null,-5.9808368569999999,-4.5128368310000004,-4.1288419999999997]
["Profit after tax",37.302198709000002,49.379728427000003,-12.077529718000001,-0.24458477401014245,null,4.9556904010000054,7.7709951409999967,-2.8153047399999913,-0.36228368296698088,null,null,4.9556904010000054,7.7709951409999967,11.260434049000001,13.315079118,16.301151305000005,12.750438801999996,6.4896825700000011,13.83845575,5.2676151969999996,7.3996690310000037,15.007914000000001,11.16145,15.475117000000003,3.9710359999999998,4.5520560000000003,10.848141,null,null,49.379728427000003,38.836648228000001,34.846350000000001]
[]
["Total assets",2289.4832274300002,2329.5464831049999,-40.063255674999709,-1.7197877769582148E-2,null,2289.4832274300002,2361.4880605899998,-72.004833159999635,-3.0491296721614547E-2,null,null,2289.4832274300002,2361.4880605899998,2355.799785664,2286.6864137880002,2329.5464831049999,2155.846247601,2093.8181104270002,2007.7087773420001,2008.8709571249999,1988.2685441189999,1955.285903,1890.9636439999999,1841.746132,1905.396485,1936.8255300000001,1891.025695,null,null,2329.5464831049999,2008.8709571249999,1841.746132]
["Loans and advances to customers",974.24665067700005,971.65644686500002,2.590203812000027,2.6657609491063106E-3,null,974.24665067700005,967.55405645899998,6.6925942180000675,6.9170235743656328E-3,null,null,974.24665067700005,967.55405645899998,976.94824563899999,978.06661173999998,971.65644686500002,854.751116389,798.55422329400005,784.123957679,775.93676689500001,740.62708857299992,736.52468799999997,695.55876599999999,683.36700499999995,691.67012399999999,707.29159000000004,700.78319099999999,null,null,971.65644686500002,775.93676689500001,683.36700499999995]
["  Hereof corporate %",0.68663285593899703,0.6561447672838947,3.048808865510233,4.6465490811284704E-2,null,0.68663285593899703,0.67889027382451006,0.77425821144869733,1.1404762172934513E-2,null,null,0.68663285593899703,0.67889027382451006,0.67332754660432281,0.66564764990537462,0.6561447672838947,0.62193317118084679,0.60600535467858152,0.61820834459855845,0.62561393515195174,0.60793077507807236,0.58599999999999997,0.57699999999999996,0.56999999999999995,0.56200000000000006,0.55500000000000005,0.55900000000000005,null,null,0.6561447672838947,0.62561393515195174,0.56999999999999995]
["  Hereof retail %",0.31336714406100302,0.3438552327161053,-3.0488088655102272,-8.866547824291493E-2,null,0.31336714406100302,0.32110972617548994,-0.77425821144869178,-2.4111951408957055E-2,null,null,0.31336714406100302,0.32110972617548994,0.32667245339567713,0.33435235009462544,0.3438552327161053,0.37806682881915316,0.39399464532141848,0.38179165540144161,0.37438606484804821,0.3920691053300287,0.38500000000000001,0.39600000000000002,0.40600000000000003,0.41,0.42,0.41899999999999998,null,null,0.3438552327161053,0.37438606484804821,0.40600000000000003]
["  Hereof FCY %",0.64630039996796962,0.57581051595465249,7.0489884013317123,0.12241854231586924,null,0.64630039996796962,0.67821430298329466,-3.191390301532504,-4.7055779972412504E-2,null,null,0.64630039996796962,0.67821430298329466,0.67520874615885274,0.68971273725406068,0.64968127576032741,0.6545648075472934,0.6392289779576642,0.64049694577193306,0.63473857795250932,0.61386088493735702,0.58099999999999996,0.56699999999999995,0.56699999999999995,0.56599999999999995,0.60399999999999998,0.628,null,null,0.57581051595465249,0.63473857795250932,0.56699999999999995]
["Deposits from customers",2037.3749428250001,2004.72351549,32.651427335000108,1.6287247135433169E-2,null,2037.3749428250001,2116.4807724870002,-79.105829662000133,-3.7376115431961066E-2,null,null,2037.3749428250001,2116.4807724870002,2084.7953267859998,2012.948901966,2004.72351549,1839.9721129119998,1767.8097331029999,1705.557893448,1704.4880834330002,1637.4326299089998,1598.094478,1543.618686,1504.640699,1517.6876299999999,1585.7386550000001,1578.013674,null,null,2004.72351549,1704.4880834330002,1504.640699]
["Loan/deposit ratio",0.4781872154205063,0.48468351837909435,-0.64963029585880516,-1.3403185196627532E-2,null,0.4781872154205063,0.45715230161153891,2.1034913808967381,4.6012923340461809E-2,null,null,0.4781872154205063,0.45715230161153891,0.46860631021516186,0.48588745138276745,0.48468351837909435,0.46454569087802261,0.45171955349081278,0.45974631567257723,0.45523155863442,0.45230996075494123,0.46087681181512724,0.4506027118668865,0.45417288356892965,0.45573944883506762,0.44603288680000047,0.44409196355290897,null,null,0.48468351837909435,0.45523155863442,0.45417288356892965]
[]
["Return on equity before tax",0.2265846878564273,0.29553614270330525,-6.8951454846877951,-0.23330972048349341,null,9.247187538359615E-2,0.17820241975342008,-8.5730544369823924,-0.48108518665711653,null,null,9.247187538359615E-2,0.17820241975342008,0.25123044975706144,0.32286885710669211,0.43540653475804808,0.33419109420004517,0.15313320560108673,0.31204106331654391,0.1347509534858998,0.18839652913289015,0.37653335191951537,0.27040603607690217,0.5157906803318667,0.12653992980699375,0.14234535594203146,0.34857903817270852,null,null,0.29553614270330525,0.27386023997397013,0.29100049485520929]
["Return on equity after tax",0.20795565902669297,0.26360811874278428,-5.5652459716091309,-0.21111815516727017,null,0.10449595618407899,0.15841837244373047,-5.3922416259651484,-0.34037981471375423,null,null,0.10449595618407899,0.15841837244373047,0.22356259175139828,0.28924619642359506,0.39567556987652924,0.29906067469551195,0.13795642549941051,0.27038015875690935,0.11981835718460258,0.16809989798761324,0.33813619844421028,0.24300266312702487,0.26,0.189,0.222,0.313,null,null,0.26360811874278423,0.24535040702396041,0.26017332651167308]
["Cost/income ratio",0.40900569478425375,0.35781749800041396,5.1188196783839786,0.14305671765605088,null,0.51137301197816698,0.40305665706910454,10.831635490906244,0.26873729290741255,null,null,0.51137301197816698,0.40305665706910454,0.41699953422631836,0.31261870630535882,0.43438854199055571,0.33494203688644603,0.34785216206133479,0.3174606127267251,0.37247909161051407,0.31389676220730722,0.30903779099258644,0.29425716625249121,0.31302839257622606,0.31457448677357241,0.35970272642930146,0.32035273042139967,null,null,0.35781749800041396,0.32273169374798533,0.32596606653768662]
["Net interest margin (avg. assets)",3.3329912677967422E-2,4.1232398751450461E-2,-0.79024860734830393,-0.19165719950273441,null,3.2064378268713743E-2,2.9345845775752177E-2,0.27185324929615667,9.2637728479028292E-2,null,null,3.2064378268713743E-2,2.9345845775752177E-2,3.4559038962127309E-2,3.7222291402942358E-2,4.1232398751450461E-2,4.1098039179980159E-2,4.2479717673817863E-2,4.4188412567279067E-2,4.3558655291818814E-2,4.3951646831356592E-2,null,null,null,null,null,null,null,null,4.1232398751450461E-2]
["Net interest margin (avg. interest bearing assets)",3.9068179101762718E-2,4.8308686661603428E-2,-0.92405075598407105,-0.19128045489146417,null,3.764134669375481E-2,3.4664261969224411E-2,0.29770847245303989,8.5883401388251457E-2,null,null,3.764134669375481E-2,3.4664261969224432E-2,4.0718609931602978E-2,4.3279236498150936E-2,4.4769185436798635E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.0827102494051744E-2,8.0617412586321095E-3,1.2765361235419634,1.5834496327640291,null,3.3021899228049378E-2,6.1275566468316266E-3,2.6894342581217754,4.3890810205930935,null,null,3.3021899228049378E-2,6.1275566468316266E-3,9.0728280969587533E-3,1.6715420098338485E-2,8.0617412586321095E-3,2.0756689828740228E-2,5.1736546176216522E-2,1.4479158866183317E-2,6.0782727598076416E-2,5.7297059586088744E-2,1.4277575753626436E-2,3.69702220903666E-2,6.9953834679325252E-3,7.8115350053103744E-2,5.5235884520823605E-2,null,null,null,1.6362539631563831E-2,4.2527679612182491E-2]
[]
["NPL ratio",0.11618472890960717,0.11094927774917357,0.52354511604335996,4.7187789471415442E-2,null,0.11618472890960717,0.11613270622958878,5.2022680018387613E-3,4.479589058705713E-4,null,null,0.11618472890960717,0.11613270622958878,0.11365544540936676,0.1109505034702556,0.11094927774917357,0.13565881316407513,0.14673923020110141,0.13003106360442515,0.12983850140669137,0.13640718247300437,null,null,null,null,null,null,null,null,0.11094927774917357]
["NPL coverage ratio",0.72265643076631614,0.72549494294681216,-0.28385121804960223,-3.9125182168280315E-3,null,0.72265643076631614,0.74479751207565947,-2.2141081309343336,-2.972765208041428E-2,null,null,0.72265643076631614,0.74479751207565947,0.724483753401435,0.72722311025731334,0.72549494294681216,0.71374499798291602,0.6677293413733929,0.65601838466163187,0.66365693445111085,0.58625784271872616,null,null,null,null,null,null,null,null,0.72549494294681216]
[]
["Number of employees",1388,1427,-39,-2.7330063069376354E-2,null,1388,1419,-31,-2.1846370683579974E-2,null,null,1388,1419,1419,1420,1427,1378,1364,1355,1343,1319,1313,1340,1326,1357,1385,1431,null,null,1427,1343,1326]
["Business outlets",105,105,0,0,null,105,105,0,0,null,null,105,105,105,105,105,104,103,103,105,104,104,104,104,104,104,103,null,null,105,105,104]
["Number of customers",712875,692142,20733,2.995483585738179E-2,null,712875,698367,14508,2.0774177474021549E-2,null,null,712875,698367,683625,669632,692142,689725,670701,654340,635145,618762,606884,592658,574899,562725,551766,546731,null,null,692142,635145,574899]
[]
["Back to Contents"]

{"sheet":"SEE-BH","index":20,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Bosnia and Herzegovina",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",72.235350209000003,78.214576421999993,-5.9792262129999898,-7.6446443700463051E-2,null,17.852212613999999,18.241148261000003,-0.38893564700000383,-2.1321883986413104E-2,null,null,17.852212613999999,18.241148261000003,17.939885881999999,18.202103451999999,19.257626175000006,19.746732590000001,19.859637597999999,19.350580059000002,20.088401344999991,18.777573853999993,17.977112000000002,16.710578000000002,15.613975999999994,15.954971999999998,17.837628000000002,17.841073999999999,null,null,78.214576422000007,73.553665198999994,67.247649999999993]
["Net fee and commission income",31.415841871000001,31.685832100999999,-0.26999022999999767,-8.5208502380303974E-3,null,8.0514763590000022,8.4270181959999988,-0.37554183699999655,-4.4564023509318207E-2,null,null,8.0514763590000022,8.4270181959999988,8.1793100620000008,6.7580372539999995,8.2714059980000005,8.4417296000000004,7.8959761339999996,7.0767203690000002,7.772955219,7.6766170460000005,8.0715000000000003,6.4044319999999999,6.8611890000000004,7.3023350000000002,6.488576000000001,6.4124679999999996,null,null,31.685832100999999,29.925504265000001,27.064568000000001]
["Net trading income",1.2211858900000001,1.0743316140000001,0.14685427600000001,0.13669361869863028,null,0.24165034800000001,0.42437532900000002,-0.18272498100000001,-0.43057399550198638,null,null,0.24165034800000001,0.42437532900000002,0.36130185100000001,0.19385836200000001,0.35515459000000016,0.22738837199999995,0.32454354399999996,0.167245108,0.21317190099999991,0.236970875,0.259243,-5.0872000000000001E-2,-5.3267000000000037E-2,0.28525299999999998,0.27883000000000002,-0.14250399999999999,null,null,1.0743316140000001,0.65851377599999994,0.36831199999999997]
["Other net operating income",0.121303998,4.0551162449999998,-3.9338122469999997,-0.97008618479197262,null,-7.7751134E-2,0.14255073299999999,-0.22030186699999998,"–",null,null,-7.7751134E-2,0.14255073299999999,-0.54339691999999995,0.59990131899999999,0.44450489299999985,2.0266751210000002,1.2215667999999997,0.36236943099999996,3.1641295000000014E-2,0.42728438200000002,7.1902999999999995E-2,-0.33865400000000001,-0.70061200000000001,0.19252900000000001,4.0205999999999992E-2,-0.156248,null,null,4.0551162449999998,0.19217467699999999,-0.62412500000000004]
["Operating income",104.993681968,115.02985638199999,-10.036174413999987,-8.724843036116714E-2,null,26.067588187000002,27.235092519000002,-1.167504332,-4.2867646995710218E-2,null,null,26.067588187000002,27.235092519000002,25.937100874999999,25.753900386999998,28.32869165599999,30.442525683000014,29.301724075999999,26.956914967000003,28.10616975999999,27.118446156999994,26.379758000000002,22.725484000000002,21.721285999999992,23.735088999999999,24.645240000000005,23.954789999999999,null,null,115.02985638200001,104.329857917,94.056404999999998]
["General administrative expenses",-63.112909102000003,-66.31809410999999,3.2051850079999866,-4.8330475279998786E-2,null,-17.796755856000004,-15.437736922000001,-2.3590189340000034,0.1528085979129632,null,null,-17.796755856000004,-15.437736922000001,-15.310544369999999,-14.567871953999999,-19.037560016,-16.179919523000002,-15.900679509000001,-15.199935062,-19.519227637999997,-16.083805588000004,-15.977348999999998,-15.304052,-18.878452999999997,-15.649888000000004,-15.387728999999997,-15.091345,null,null,-66.318094110000004,-66.884434225999996,-65.007414999999995]
["Staff expenses",-31.273373452000001,-32.489751665999997,1.2163782139999952,-3.7438827680327136E-2,null,-9.0456803490000031,-7.6920504350000005,-1.3536299140000025,0.17597777412389037,null,null,-9.0456803490000031,-7.6920504350000005,-7.4933010539999998,-7.0423416139999997,-9.2534765290000038,-7.9909470669999996,-7.7742221970000012,-7.471105873,-9.7129459099999984,-7.9298907329999997,-8.0910580000000003,-7.565976,-9.5080129999999983,-7.7233310000000008,-7.4490319999999999,-7.8039379999999996,null,null,-32.489751666000004,0,-32.484313999999998]
["Other administrative expenses",-24.917114476999998,-27.282190169,2.3650756920000013,-8.6689363183435786E-2,null,-7.0281277029999982,-6.0053015870000008,-1.0228261159999974,0.17032052448692414,null,null,-7.0281277029999982,-6.0053015870000008,-6.0790201579999996,-5.8046650289999997,-7.9672226129999979,-6.5000153380000016,-6.5680708450000003,-6.2468813729999999,-8.3134786729999988,-6.6789342159999991,-6.4406349999999994,-6.3581630000000002,-8.0252109999999988,-6.6603570000000021,-6.8330010000000003,-6.1811210000000001,null,null,-27.282190169,0,-27.69969]
["Depreciation on intangible and tangible fixed ass.",-6.922421173,-6.5461522749999999,-0.37626889800000018,5.7479398919115354E-2,null,-1.7229478040000001,-1.7403848999999993,1.7437095999999208E-2,-1.0019103245494265E-2,null,null,-1.7229478040000001,-1.7403848999999993,-1.738223158,-1.7208653110000001,-1.8168608740000012,-1.6889571179999991,-1.5583864669999998,-1.4819478160000001,-1.4928030549999993,-1.4749806390000002,-1.4456560000000003,-1.3799129999999999,-1.3452289999999996,-1.2662000000000002,-1.1056959999999998,-1.1062860000000001,null,null,-6.5461522750000007,0,-4.8234110000000001]
["Operating result",41.880772866000001,48.711762272000001,-6.8309894060000005,-0.14023285316299305,null,8.2708323309999976,11.797355597000001,-3.5265232660000034,-0.29892489354960006,null,null,8.2708323309999976,11.797355597000001,10.626556505,11.186028432999999,9.2911316399999873,14.262606160000013,13.401044566999998,11.756979905000003,8.5869421219999928,11.03464056899999,10.402409000000004,7.4214320000000011,2.8428329999999953,8.0852009999999943,9.257511000000008,8.8634449999999987,null,null,48.711762272000001,37.445423691000002,29.048990000000003]
["Net provisioning for impairment losses",-20.541977063000001,-19.632371933000002,-0.90960512999999921,4.6331901876361936E-2,null,-5.3518368149999986,-4.1936129429999998,-1.1582238719999989,0.27618759474054766,null,null,-5.3518368149999986,-4.1936129429999998,-4.9879989560000002,-6.0085283490000005,-7.3441868679999986,-5.7933204789999992,-3.6674976890000002,-2.8273668970000001,-6.4897772289999978,-6.9496349449999997,-8.2253540000000012,-6.1569079999999996,8.3184880000000021,-7.5979670000000006,-5.2588810000000006,-8.1684520000000003,null,null,-19.632371932999998,-27.821674173999998,-12.706811999999999]
["Other results",1.5439808159999999,-2.1940546990000001,3.738035515,"–",null,-3.0577300000000029E-2,-0.22403941100000035,0.19346211100000033,-0.86351820930291601,null,null,-3.0577300000000029E-2,-0.22403941100000035,-0.26691890400000001,2.0655164310000003,-0.92684640400000018,-0.31683530799999993,-0.14616965699999995,-0.80420332999999999,-1.045153209,0.48318642899999986,-1.208494,0.74751400000000001,0.27909600000000001,4.6500000000000014E-4,8.6E-3,-7.535E-3,null,null,-2.1940546990000001,-1.0229467800000001,0.28062599999999999]
["Net income from derivatives",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",1.5439808159999999,-2.1940546990000001,3.738035515,"–",null,-3.0577300000000029E-2,-0.22403941100000035,0.19346211100000033,-0.86351820930291601,null,null,-3.0577300000000029E-2,-0.22403941100000035,-0.26691890400000001,2.0655164310000003,-0.92684640400000018,-0.31683530799999993,-0.14616965699999995,-0.80420332999999999,-1.045153209,0.48318642899999986,-1.208494,0.74751400000000001,0.27909600000000001,4.6500000000000014E-4,8.6E-3,-7.535E-3,null,null,-2.1940546990000001,-1.0229467800000001,0.28062599999999999]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",22.882776619000001,26.885335640000001,-4.0025590209999997,-0.14887517398313577,null,2.8884182160000025,7.3797032429999989,-4.4912850269999964,-0.60859967929742909,null,null,2.8884182160000025,7.3797032429999989,5.371638645,7.2430165149999999,1.0200983680000029,8.1524503729999971,9.5873772210000006,8.1254096780000005,1.0520116839999996,4.5681920530000006,0.96856100000000023,2.012038,11.440418000000001,0.48770000000000058,4.0072289999999997,0.68745800000000001,null,null,26.885335640000001,8.6008027370000004,16.622805]
["Income taxes",-3.4055352459999999,-3.9410183910000001,0.53548314500000016,-0.13587430757056829,null,-1.2988444809999997,-0.80476984200000035,-0.49407463899999937,0.61393284541097293,null,null,-1.2988444809999997,-0.80476984200000035,-0.597865867,-0.70405505599999996,-2.4077905539999991,-0.2632023240000001,-0.64295925499999995,-0.62706625800000004,-0.61036081900000005,-0.43631999899999996,-0.38528999999999997,1.0426E-2,0.17880199999999991,-0.35472899999999985,-0.16928300000000007,-0.58315899999999998,null,null,-3.9410183909999996,-1.4215448179999999,-0.928369]
["Profit after tax",19.477241372999998,22.944317249000001,-3.4670758760000027,-0.15110826085492302,null,1.5895737349999983,6.5749334010000009,-4.9853596660000026,-0.75823728727682083,null,null,1.5895737349999983,6.5749334010000009,4.7737727779999997,6.5389614589999994,-1.387692185999998,7.889248048999999,8.9444179659999996,7.4983434200000003,0.44165086499999884,4.1318720540000005,0.58327100000000032,2.0224639999999998,11.61922,0.13297100000000009,3.8379460000000001,0.104299,null,null,22.944317249000001,7.1792579189999994,15.694436]
[]
["Total assets",1983.14684098,2170.1511808310001,-187.00433985100017,-8.6171111719226867E-2,null,1983.14684098,1989.8097053419999,-6.6628643619999366,-3.34849324742581E-3,null,null,1983.14684098,1989.8097053419999,2031.259489322,2068.7409304519997,2170.1511808309997,2143.5386894569992,2147.4674976870001,2142.7534719260002,2052.132951228999,2082.9614782499998,2197.8314620000001,2325.969509,2325.3877520000001,2412.799141,2385.2479739999999,2407.1212369999998,null,null,2170.1511808309997,2052.132951228999,2325.3877520000001]
["Loans and advances to customers",1259.380804058,1358.26169299,-98.880888932000062,-7.2799586001965011E-2,null,1259.380804058,1306.963706968,-47.58290291000003,-3.6407210587650285E-2,null,null,1259.380804058,1306.963706968,1309.782939724,1329.9435196320001,1358.26169299,1373.3653114019999,1372.2543989000001,1365.543319205,1349.9847563440001,1330.341173824,1357.055744,1372.1876219999999,1393.298446,1443.7939309999999,1547.7806109999999,1620.6805449999999,null,null,1358.26169299,1349.9847563440001,1393.298446]
["  Hereof corporate %",0.39544982812985108,0.42766270424999003,-3.2212876120138958,-7.5323089434773172E-2,null,0.39544982812985108,0.41726857051915739,-2.1818742389306314,-5.2289446008741747E-2,null,null,0.39544982812985108,0.41726857051915739,0.41907018185455147,0.42694955577076932,0.42766270424999003,0.43485016728983189,0.43611532558841148,0.43427925740895745,0.42350840935269651,0.41748012534525708,0.39100000000000001,0.38500000000000001,0.375,0.372,0.38500000000000001,0.38,null,null,0.42766270424999003,0.42350840935269651,0.375]
["  Hereof retail %",0.59823754685833752,0.56219124145415245,3.6046305404185075,6.4117515084276988E-2,null,0.59823754685833752,0.57645887721467459,2.1778669643662929,3.7780092395996778E-2,null,null,0.59823754685833752,0.57645887721467459,0.57538996917810048,0.56756449895634709,0.56219124145415245,0.55237973881670199,0.55075955326054793,0.55226089548260293,0.55811805316355367,0.57423615462800492,0.60899999999999999,0.61499999999999999,0.625,0.628,0.61499999999999999,0.62,null,null,0.56219124145415245,0.55811805316355367,0.625]
["  Hereof FCY %",0.73491433013566487,0.74230172668752648,-0.73873965518616025,-9.9520131588907157E-3,null,0.73491433013566487,0.74713015732112298,-1.2215827185458106,-1.6350333426853769E-2,null,null,0.73491433013566487,0.74713015732112298,0.75351340292153268,0.7434894680892945,0.74230172668752648,0.73413824539571215,0.66205581175637795,0.66014310005545174,0.75514037859271332,0.76218869260837085,0.72899999999999998,0.73099999999999998,0.74099999999999999,0.73399999999999999,0.79900000000000004,0.72699999999999998,null,null,0.74230172668752648,0.75514037859271332,0.74099999999999999]
["Deposits from customers",1526.4191616860001,1659.65644509,-133.23728340399998,-8.028003855748278E-2,null,1526.4191616860001,1521.0423855859999,5.3767761000001428,3.5349285141246245E-3,null,null,1526.4191616860001,1521.0423855859999,1556.761694523,1563.6108056420001,1659.6564450899998,1610.7613166789999,1617.1655455729999,1605.3351380239999,1515.638508971,1537.0766380510001,1639.4872780000001,1618.317959,1605.286388,1614.784447,1562.0732370000001,1530.2308029999999,null,null,1659.6564450899998,1515.638508971,1605.286388]
["Loan/deposit ratio",0.82505568304511856,0.81839931210362293,0.66563709414956262,8.1334024149972706E-3,null,0.82505568304511856,0.85925528397716311,-3.4199600932044549,-3.9801443843030859E-2,null,null,0.82505568304511856,0.85925528397716311,0.84135095585411646,0.85055917676773862,0.81839931210362293,0.85261875684570498,0.84855530261360967,0.85062818776012183,0.89070365285224518,0.86550087412092935,0.82773179286603771,0.84790977840220583,0.86794384878319919,0.89410938635328574,0.99085022029604097,1.0591085618082412,null,null,0.81839931210362293,0.89070365285224518,0.86794384878319919]
[]
["Return on equity before tax",9.5504348418949114E-2,0.11112882311129228,-1.5624474692343169,-0.14059785980722306,null,4.7964072068756435E-2,0.1212172965855005,-7.3253224516744071,-0.60431330000067263,null,null,4.7964072068756435E-2,0.1212172965855005,8.4929248591440423E-2,0.11510048056462027,1.6944218232776188E-2,0.13551824144248359,0.15863970427003532,0.13380815887637934,1.7846079857890568E-2,7.7458672829166242E-2,1.6413865386466935E-2,3.409291727534644E-2,0.2090596838313038,8.9713816145670696E-3,7.3751354588368234E-2,1.265231246512939E-2,null,null,0.11112882311129228,3.7720376611000243E-2,7.5951817590169377E-2]
["Return on equity after tax",8.1290888658259924E-2,9.4838874511945406E-2,-1.3547985853685482,-0.14285266377743711,null,2.6395910662039043E-2,0.10799833351766808,-8.1602422855629033,-0.7555896484484107,null,null,2.6395910662039043E-2,0.10799833351766808,7.5476583920848064E-2,0.10391217592362903,"–",0.13114302730929667,0.14800083362588604,0.12348171568131651,7.4920618525149661E-3,7.0060391920821252E-2,9.8844901640990687E-3,3.4269580318247596E-2,0.21232707227711101,2.4460397471203548E-3,7.0635772584249509E-2,1.9195696868761877E-3,null,null,9.4838874511945406E-2,3.1485934600872338E-2,7.1709975557830791E-2]
["Cost/income ratio",0.60111149470151515,0.57652940024340948,2.4582094458105663,4.2638058783692756E-2,null,0.68271585880259189,0.56683254926452631,11.588330953806558,0.20444011143754159,null,null,0.68271585880259189,0.56683254926452631,0.59029513143303447,0.56565691934389639,0.67202397651032586,0.53149070781716845,0.54265337656440782,0.56386033344718378,0.69448195199401674,0.59309465943897177,0.60566700422346542,0.67343128973622735,0.86912225178564495,0.65935661753785735,0.62436920882085112,0.62999279058593294,null,null,0.5765294002434096,0.64108621981648006,0.69115351580788142]
["Net interest margin (avg. assets)",3.5260464486392785E-2,3.6699631662130167E-2,-0.14391671757373811,-3.9214758038632835E-2,null,3.594746110279378E-2,3.6291140247387325E-2,-3.4367914459354498E-2,-9.4700563898177936E-3,null,null,3.594746110279378E-2,3.6291140247387325E-2,3.5004651795599341E-2,3.4352567556130996E-2,3.6699631662130167E-2,3.6815109051414344E-2,3.7032381760590649E-2,3.6903178025871439E-2,3.8864217855418659E-2,3.5091767560060265E-2,null,null,null,null,null,null,null,null,3.6699631662130167E-2]
["Net interest margin (avg. interest bearing assets)",3.7174510031937003E-2,3.8579049541434943E-2,-0.14045395094979402,-3.6406794003295162E-2,null,3.8033843882990769E-2,3.8237313723027987E-2,-2.0346984003721813E-2,-5.3212378231131119E-3,null,null,3.8033843882990769E-2,3.8237313723027987E-2,3.6842044857203354E-2,3.611634408126152E-2,3.7539043499913223E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.5695021062781377E-2,9.8354458768764204E-3,0.58595751859049572,0.59576101167727269,null,1.6683143800862138E-2,1.2820845146170858E-2,0.38622986546912808,0.30125148620524556,null,null,1.6683143800862138E-2,1.2820845146170858E-2,1.5116714652977779E-2,1.7881159729288526E-2,9.8354458768764204E-3,1.6880183245370925E-2,1.071663597276574E-2,8.329479403900884E-3,1.93701136297054E-2,2.0688078932909269E-2,2.4110283758403395E-2,1.7810707697985768E-2,-2.3456375456610667E-2,2.0318309019759003E-2,1.327806967755675E-2,null,null,null,1.4498216687648868E-2,2.0283486699607063E-2]
[]
["NPL ratio",0.10747517713773763,9.422370641865864E-2,1.3251470719078993,0.14063839369892239,null,0.10747517713773763,0.12687705795954446,-1.9401880821806827,-0.15291874775338221,null,null,0.10747517713773763,0.12687705795954446,0.13509036316909501,0.13111337242971771,9.422370641865864E-2,7.4839881382379236E-2,7.0319330058151941E-2,7.1626524835702629E-2,6.9813543861960564E-2,5.1682505426566841E-2,null,null,null,null,null,null,null,null,9.422370641865864E-2]
["NPL coverage ratio",0.5555876318648002,0.54359066038921833,1.1996971475581875,2.2069863133763024E-2,null,0.5555876318648002,0.47684120870290503,7.8746423161895169,0.16514181602739364,null,null,0.5555876318648002,0.47684120870290503,0.43435222146803282,0.41794163960118225,0.54359066038921833,0.62769444502793115,0.63972100646441243,0.61267919404135274,0.63059895130063248,0.49733869443791984,null,null,null,null,null,null,null,null,0.54359066038921833]
[]
["Number of employees",1561,1569,-8,-5.0987890376035239E-3,null,1561,1558,3,1.9255455712452463E-3,null,null,1561,1558,1552,1550,1569,1583,1621,1606,1640,1646,1659,1655,1655,1673,1710,1744,null,null,1569,1640,1655]
["Business outlets",98,98,0,0,null,98,98,0,0,null,null,98,98,98,98,98,98,98,98,98,100,101,101,101,101,103,104,null,null,98,98,101]
["Number of customers",496107,591507,-95400,-0.16128296030309019,null,496107,489483,6624,1.3532645669001697E-2,null,null,496107,489483,496347,593325,591507,636818,629921,644800,638528,655427,713561,730131,716056,772833,763876,755987,null,null,591507,638528,716056]
[]
["Back to Contents"]

{"sheet":"SEE-BG","index":21,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Bulgaria",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",136.404417061,167.70222555699999,-31.297808495999988,-0.18662726980544597,null,33.495305805000008,30.424143238000006,3.0711625670000018,0.10094491545661977,null,null,33.495305805000008,30.424143238000006,35.569982230999997,36.914985786999999,41.238235768000017,41.287564788000019,42.296448535999993,42.879976465000006,46.48043997700001,48.796057338000004,46.748642999999994,46.073934999999999,45.961996999999997,46.134253000000001,50.062054000000003,49.592315999999997,null,null,167.70222555700002,188.09907531499999,191.75062]
["Net fee and commission income",37.318204471999998,37.239404,7.8800471999997512E-2,2.1160508369038045E-3,null,9.6646360059999985,9.5613361240000003,0.10329988199999818,1.0803917011211972E-2,null,null,9.6646360059999985,9.5613361240000003,9.4586313759999996,8.6336009659999995,9.612899337,9.8670692119999988,9.2481707430000011,8.5112647080000006,9.1324236570000039,8.9310403729999983,8.6991300000000003,7.9523900000000003,19.519880000000001,5.4346439999999996,6.1890570000000009,5.0517589999999997,null,null,37.239404,34.714984030000004,36.195340000000002]
["Net trading income",5.1146541049999996,6.9563615539999999,-1.8417074490000003,-0.26475154212491936,null,1.2627456379999997,1.5398369989999998,-0.27709136100000009,-0.1799485018089243,null,null,1.2627456379999997,1.5398369989999998,1.1426476800000001,1.169423788,1.3950938180000005,1.8985286239999997,1.8750661580000003,1.7876729539999998,1.6796459799999996,1.6923653870000002,1.8021389999999999,1.4556089999999999,1.7131160000000003,1.6028389999999999,1.2696460000000001,-0.29689599999999999,null,null,6.9563615539999999,6.6297593669999992,4.2887050000000002]
["Other net operating income",-0.58644199699999999,1.180917054,-1.7673590510000001,"–",null,-0.41160550100000004,0.10029171100000001,-0.51189721200000005,"–",null,null,-0.41160550100000004,0.10029171100000001,7.6362463000000005E-2,-0.35149067000000001,0.69352860199999999,0.18644052399999997,0.13197052700000003,0.168977401,-0.19590601900000015,0.19776062800000005,0.16227899999999995,-0.97261299999999995,-1.1981999999999993E-2,7.9739999999999811E-3,0.12774199999999997,0.30786200000000002,null,null,1.180917054,-0.80847939099999999,0.43159599999999998]
["Operating income",178.25083364099999,213.078908165,-34.828074524000016,-0.16345153456967454,null,44.011081948000012,41.625608072000006,2.385473876000006,5.730784453343829E-2,null,null,44.011081948000012,41.625608072000006,46.247623750000002,46.366519871000001,52.939757525000054,53.239603147999993,53.551655963999998,53.347891528000005,57.096603595000012,59.617223725999999,57.412190999999993,54.509321,67.183010999999993,53.17971,57.648499000000001,54.655040999999997,null,null,213.07890816500003,228.635339321,232.66626100000002]
["General administrative expenses",-92.791880646999985,-97.750254480999999,4.9583738340000139,-5.072491995367423E-2,null,-23.902261872999986,-22.525561212,-1.3767006609999868,6.1117263540878097E-2,null,null,-23.902261872999986,-22.525561212,-23.095852508,-23.268205053999999,-24.774219545000008,-24.491434177999992,-24.541933534999998,-23.942667223000001,-24.872203608999996,-24.543236925000016,-23.913760999999994,-23.140878000000001,-28.074225999999999,-23.973099000000008,-24.561848999999999,-25.08548,null,null,-97.750254480999999,-96.470079534000007,-101.694654]
["Staff expenses",-38.295299182999997,-40.77440575,2.4791065670000023,-6.0800556658020755E-2,null,-10.127765195000004,-9.0247102239999979,-1.1030549710000059,0.12222608190416806,null,null,-10.127765195000004,-9.0247102239999979,-9.7427061659999996,-9.4001175979999996,-10.464673308999997,-10.164892478000001,-10.288772880999998,-9.8560670820000009,-10.632648532000008,-11.218662124000002,-10.450091,-9.6682659999999991,-13.572786000000002,-10.622634,-11.076924,-10.41268,null,null,-40.77440575,0,-45.685023999999999]
["Other administrative expenses",-42.869207918999997,-44.936582026000004,2.0673741070000062,-4.6006483221261441E-2,null,-10.970848609999997,-10.626826149999999,-0.34402245999999792,3.2373020424352861E-2,null,null,-10.970848609999997,-10.626826149999999,-10.405115071999999,-10.866418087,-11.294644634000008,-11.312373446999995,-11.231967792999999,-11.097596152000001,-11.309631261000002,-10.402490468999998,-10.525795999999998,-10.604501000000001,-11.661845999999993,-10.613339,-11.520105000000001,-11.66188,null,null,-44.936582026000004,0,-45.457169999999998]
["Depreciation on intangible and tangible fixed ass.",-11.627373544999999,-12.039266704999999,0.41189315999999998,-3.4212479056464296E-2,null,-2.8036480679999993,-2.8740248380000004,7.0376770000001088E-2,-2.4487182250302109E-2,null,null,-2.8036480679999993,-2.8740248380000004,-2.94803127,-3.001669369,-3.0149016019999979,-3.0141682530000016,-3.0211928609999998,-2.989003989,-2.9299238159999996,-2.9220843320000007,-2.9378739999999999,-2.8681109999999999,-2.8395940000000004,-2.7371260000000004,-1.96482,-3.01092,null,null,-12.039266704999999,0,-10.55246]
["Operating result",85.458952994000001,115.328653684,-29.869700690000002,-0.25899635290847012,null,20.108820075000025,19.100046860000006,1.0087732150000193,5.2815221993649963E-2,null,null,20.108820075000025,19.100046860000006,23.151771242000002,23.098314817000002,28.165537980000025,28.748168970000002,29.009722429,29.405224305000004,32.224399986000016,35.073986800999982,33.498429999999999,31.368442999999999,39.108784999999997,29.206610999999992,33.086650000000006,29.569560999999997,null,null,115.32865368400003,null,130.97160700000001]
["Net provisioning for impairment losses",-75.521016121000002,-78.982753900000006,3.4617377790000035,-4.3829033656928584E-2,null,-24.199925276000002,-22.226331432000002,-1.9735938439999998,8.8795303446188578E-2,null,null,-24.199925276000002,-22.226331432000002,-14.553123358000001,-14.541636055,-28.644467669000001,-23.661403921999998,-13.687787007999999,-12.989095301000001,-28.321263817999998,-27.496696961000005,-24.133488999999997,-18.242077999999999,-19.748036999999993,-23.235006000000009,-22.020849999999999,-21.444846999999999,null,null,-78.982753900000006,-98.193527778999993,-86.448740000000001]
["Other results",0.57231661199999995,0.38178113600000002,0.19053547599999993,0.49906990690079533,null,0.38611535599999997,0.35937888400000001,2.6736471999999956E-2,7.4396335428544402E-2,null,null,0.38611535599999997,0.35937888400000001,-0.150783044,-2.2394583999999999E-2,-2.0727260999999997E-2,0.22018709600000003,0.10237959000000002,7.9941710999999999E-2,1.0071428579999997,-2.2525319999999998E-2,4.4860999999999998E-2,1.2581999999999999E-2,0.14007200000000003,-0.15818599999999999,-3.5510000000000042E-2,-0.33273999999999998,null,null,0.38178113600000002,null,-0.38636399999999999]
["Net income from derivatives",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",0.57231661199999995,0.38178113600000002,0.19053547599999993,0.49906990690079533,null,0.38611535599999997,0.35937888400000001,2.6736471999999956E-2,7.4396335428544402E-2,null,null,0.38611535599999997,0.35937888400000001,-0.150783044,-2.2394583999999999E-2,-2.0727260999999997E-2,0.22018709600000003,0.10237959000000002,7.9941710999999999E-2,1.0071428579999997,-2.2525319999999998E-2,4.4860999999999998E-2,1.2581999999999999E-2,0.14007200000000003,-0.15818599999999999,-3.5510000000000042E-2,-0.33273999999999998,null,null,0.38178113600000002,1.0420605379999999,-0.38636399999999999]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",10.510253485,36.727680919999997,-26.217427434999998,-0.71383291235040491,null,-3.7049898450000001,-2.7669056879999996,-0.93808415700000047,0.33903727223824354,null,null,-3.7049898450000001,-2.7669056879999996,8.4478648399999994,8.5342841780000001,-0.49965694999999499,5.3069521440000003,15.424315011000001,16.496070714999998,4.9102790259999978,7.5547645199999991,9.4098010000000016,13.138947999999999,19.500820999999995,5.8134169999999985,11.030293,7.7919720000000003,null,null,36.727680920000005,35.013792545999998,44.136502999999998]
["Income taxes",-0.159760817,-2.9084506320000001,2.7486898150000001,-0.94507012935263734,null,0.73238471800000005,0.55002939799999995,0.1823553200000001,0.33153740629696338,null,null,0.73238471800000005,0.55002939799999995,-0.61538630599999999,-0.826788627,0.38979461399999993,-0.31487373600000046,-1.4183967809999996,-1.564974729,-0.22756263599999982,-0.45840850799999999,-0.81639000000000017,-1.1447719999999999,0.30103300000000033,-0.20764700000000014,-1.3817120000000001,-1.4066799999999999,null,null,-2.9084506320000001,-2.6471331439999997,-2.6950059999999998]
["Profit after tax",10.350492667999999,33.819230288,-23.468737619999999,-0.69394653338184809,null,-2.9726051270000005,-2.2168762899999992,-0.75572883700000126,0.3408980647269233,null,null,-2.9726051270000005,-2.2168762899999992,7.8324785339999998,7.7074955510000001,-0.10986233599999906,4.9920784080000011,14.005918229999999,14.931095985999999,4.6827163899999995,7.0963560119999975,8.5934109999999997,11.994176,19.801853999999999,5.6057700000000006,9.648579999999999,6.3852929999999999,null,null,33.819230288,32.366659401999996,41.441496999999998]
[]
["Total assets",3485.9323915969999,3680.7574063319998,-194.82501473499997,-5.2930686059299292E-2,null,3485.9323915969999,3580.9057600229999,-94.973368425999979,-2.6522163606279903E-2,null,null,3485.9323915969999,3580.9057600229999,3820.3990119750001,3609.8693466469999,3680.7574063320012,3705.447379572,3751.7651497750012,3667.883225939001,3790.1321556389998,3717.064646205999,3880.3652520000001,4026.3816299999999,3998.3347659999999,4103.5283989999998,4245.5321999999996,4330.356546,null,null,3680.7574063320012,3790.1321556389998,3998.3347659999999]
["Loans and advances to customers",2882.6243829690002,2973.729285682,-91.104902712999774,-3.0636582540197743E-2,null,2882.6243829690002,2893.3534442680002,-10.729061299000023,-3.7081751350687142E-3,null,null,2882.6243829690002,2893.3534442680002,2900.5302946669999,2923.6201071719988,2973.729285682,2927.1055677540003,2886.4008140170004,2808.7716454250003,2816.2040506919998,2818.828261095,2869.4575490000002,2883.801242,2952.727879,3028.5036909999999,3119.0711099999999,3268.888293,null,null,2973.729285682,2816.2040506919998,2952.727879]
["  Hereof corporate %",0.45931762172243068,0.44225650689756868,1.7061114824862,3.8577419571609761E-2,null,0.45931762172243068,0.45544529132808892,0.38723303943417609,8.5022953756970221E-3,null,null,0.45931762172243068,0.45544529132808892,0.44487697076051619,0.4454932583577893,0.44225650689756868,0.44013711836879155,0.436743196804602,0.42667222544229294,0.41635584638044687,0.41340014079017601,0.32600000000000001,0.318,0.312,0.29299999999999998,0.28499999999999998,0.28599999999999998,null,null,0.44225650689756868,0.41635584638044687,0.312]
["  Hereof retail %",0.53501497246952778,0.55256380120717119,-1.7548828737643407,-3.1758918516386569E-2,null,0.53501497246952778,0.5388347014691951,-0.38197289996673156,-7.0888697206256124E-3,null,null,0.53501497246952778,0.5388347014691951,0.55016393555660514,0.54939116574657443,0.55256380120717119,0.55503217170816499,0.55885408853447593,0.56876599453426624,0.57924106350250193,0.58254595452442082,0.67400000000000004,0.68200000000000005,0.68799999999999994,0.70699999999999996,0.71499999999999997,0.71399999999999997,null,null,0.55256380120717119,0.57924106350250193,0.68799999999999994]
["  Hereof FCY %",0.74962281342197268,0.78279015215271597,-3.316733873074329,-4.237066427002345E-2,null,0.74962281342197268,0.75568334187846165,-0.60605284564889672,-8.0199312603925765E-3,null,null,0.74962281342197268,0.75568334187846165,0.76163900237891702,0.775711589353417,0.78279015215271597,0.79525864240904398,0.76617702893530815,0.80221224237652822,0.78591073663719424,0.72105598913303204,0.68100000000000005,0.65700000000000003,0.66300000000000003,0.67500000000000004,0.66900000000000004,0.66200000000000003,null,null,0.78279015215271597,0.78591073663719424,0.66300000000000003]
["Deposits from customers",2155.6577580869998,2170.819572765,-15.161814678000155,-6.9843734911089195E-3,null,2155.6577580869998,2227.1448479679998,-71.487089880999974,-3.2098087354409555E-2,null,null,2155.6577580869998,2227.1448479679998,2215.8535491329999,2123.561382636,2170.819572765,2123.7687268320001,2084.036767052,2024.2134415580001,2056.321227119,1978.046893855,2100.0448860000001,2192.4620500000001,2142.6072119999999,2147.1296000000002,2148.433595,2151.2429619999998,null,null,2170.819572765,2056.321227119,2142.6072119999999]
["Loan/deposit ratio",1.3372365683535656,1.3698647842456679,-3.2628215892102297,-2.3818566815752895E-2,null,1.3372365683535656,1.2991312383241866,3.8105330029378992,2.9331393861741661E-2,null,null,1.3372365683535656,1.2991312383241866,1.3089900710278866,1.3767532839304495,1.3698647842456679,1.3782600387568227,1.3850047463893809,1.3875866980031217,1.3695350772785779,1.4250563370625697,1.366379151288293,1.3153254999328265,1.378100410781218,1.4104894697553421,1.4517884645161676,1.5195346833167236,null,null,1.3698647842456679,1.3695350772785779,1.378100410781218]
[]
["Return on equity before tax",2.170078862110425E-2,7.5336194261344816E-2,-5.3635405640240563,-0.71194737358482452,null,"–","–","–","–",null,null,"–","–",6.596862027680285E-2,6.885901154074843E-2,"–",4.4330990144090934E-2,0.128530458286301,0.13502290408571629,4.2346144261641447E-2,6.5152132285043143E-2,8.105289986636488E-2,0.1099670789828405,0.17354467008648811,5.1735644179416194E-2,0.10152949359770802,7.1655122417416187E-2,null,null,7.5385020879634806E-2,7.7046354066470729E-2,9.8108003185961953E-2]
["Return on equity after tax",2.137092638470816E-2,6.9370350616352633E-2,-4.7999424231644472,-0.69192996438927601,null,"–","–","–","–",null,null,"–","–",6.1163123703060505E-2,6.2188053974662962E-2,"–",4.1700730042154535E-2,0.11671099089577311,0.12221334256157751,4.0383648818594228E-2,6.1198826834590089E-2,7.4020787612141675E-2,0.10038585277345567,0.1762236687127586,4.9887720435614034E-2,8.8811370771109482E-2,5.8719275632159694E-2,null,null,6.941531067391056E-2,7.1221450717147222E-2,9.2117459321755343E-2]
["Cost/income ratio",0.52056912583020121,0.45875143308555916,6.1817692744642052,0.13475204279767938,null,0.54309643878423608,0.54114671845844109,0.19497203257949902,3.6029421583654297E-3,null,null,0.54309643878423608,0.54114671845844109,0.49939544208474063,0.50183203567436874,0.46797002296999063,0.46002285385029268,0.45828524054416298,0.44880250254002124,0.43561616703901579,0.41168030631215602,0.4165275803530995,0.42453065962791942,0.4178768647329606,0.45079409045291913,0.42606224665103593,0.45897834016811007,null,null,0.4587514330855591,0.42193861990231402,0.43708380219339149]
["Net interest margin (avg. assets)",3.7519374577513143E-2,4.5090976007970116E-2,-0.75716014304569734,-0.16791833091212405,null,3.7918293965537107E-2,3.2885167332231811E-2,0.5033126633305296,0.15305157436046146,null,null,3.7918293965537107E-2,3.2885167332231811E-2,3.8297386327614924E-2,4.0506789923833393E-2,4.5090976007970116E-2,4.4292759124691765E-2,4.5604801084045715E-2,4.5996125533253877E-2,4.953160675428335E-2,5.1381646679777689E-2,null,null,null,null,null,null,null,null,4.5090976007970116E-2]
["Net interest margin (avg. interest bearing assets)",3.9189448546684824E-2,4.7476186971114227E-2,-0.82867384244294029,-0.17454515522637226,null,3.9442628707945501E-2,3.42530789130309E-2,0.51895497949146008,0.15150608236097396,null,null,3.9442628707945501E-2,3.42530789130309E-2,4.0100905736883852E-2,4.2473361328393522E-2,4.695540761027403E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.579113912647155E-2,2.9683767429515024E-2,-0.38926283030434744,-0.13113659889320428,null,3.3518030712491556E-2,3.0689371666384902E-2,0.28286590461066541,9.2170640600145681E-2,null,null,3.3518030712491556E-2,3.0689371666384902E-2,1.9990037830623048E-2,1.9726334780327651E-2,2.9683767429515024E-2,3.2560595782529296E-2,1.9227213371292493E-2,1.8473459801743222E-2,4.0207419941510392E-2,3.8671329646905749E-2,3.3558009297621386E-2,2.5004008542494172E-2,2.6413338816774812E-2,3.0236321479124379E-2,2.7577946083575007E-2,null,null,null,2.7282785245145394E-2,3.4042186309604275E-2]
[]
["NPL ratio",0.18181193259046827,0.16139551582952119,2.0416416760947076,0.12649928132149912,null,0.18181193259046827,0.18003124576153634,0.17806868289319266,9.8909876527242258E-3,null,null,0.18181193259046827,0.18003124576153634,0.17351474760506866,0.16644719975972286,0.16139551582952119,0.11442772296627642,0.10876307423261107,0.10247635803794466,0.10851269172946088,9.3960431904683048E-2,null,null,null,null,null,null,null,null,0.16139551582952119]
["NPL coverage ratio",0.50475872938121524,0.48454661155283757,2.0212117828377671,4.1713464394278699E-2,null,0.50475872938121524,0.47742576839118095,2.7332960990034296,5.7250703249932089E-2,null,null,0.50475872938121524,0.47742576839118095,0.464982468027416,0.48001202007988103,0.48454661155283757,0.62844303886918951,0.61029339954592854,0.59709853995646134,0.64685957460692889,0.63242560551621219,null,null,null,null,null,null,null,null,0.48454661155283757]
[]
["Number of employees",3119,3271,-152,-4.6468969734026255E-2,null,3119,3136,-17,-5.4209183673469274E-3,null,null,3119,3136,3151,3202,3271,3346,3249,3223,3241,3234,3201,3269,3282,3308,3350,3456,null,null,3271,3241,3282]
["Business outlets",183,187,-4,-2.1390374331550777E-2,null,183,184,-1,-5.4347826086956763E-3,null,null,183,184,184,184,187,189,189,190,190,191,191,197,199,199,200,198,null,null,187,190,199]
["Number of customers",791751,775580,16171,2.08502024291497E-2,null,791751,786863,4888,6.2120089520030231E-3,null,null,791751,786863,786667,780136,775580,763485,753646,743896,736622,728902,722326,715240,706459,693322,682304,672084,null,null,775580,736622,706459]
[]
["Back to Contents"]

{"sheet":"SEE-HR","index":22,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Croatia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",152.099319495,175.16545145800001,-23.066131963000004,-0.13168197136483073,null,38.24269030300001,36.172019440999996,2.0706708620000143,5.724509977601544E-2,null,null,38.24269030300001,36.172019440999996,38.937893320999997,38.746716429999999,41.450698327000005,43.956461221000005,47.320505349999998,42.437786559999999,43.071098803999995,44.129718950999994,42.603837000000006,43.81382,40.634163000000015,33.23030399999999,40.429033000000004,37.270932000000002,null,null,175.16545145800001,173.61847475499999,151.56443200000001]
["Net fee and commission income",56.540516181999998,65.611755040000006,-9.0712388580000081,-0.13825630563410096,null,13.387796219999998,16.024514459000002,-2.6367182390000039,-0.16454278510255382,null,null,13.387796219999998,16.024514459000002,13.469069687999999,13.659135814999999,15.710221865000008,18.070042393999998,16.376833415,15.454657366000001,18.771858781999988,19.938099369000007,16.211154000000001,17.020710999999999,20.008842000000019,18.788469999999993,17.600646000000001,18.287141999999999,null,null,65.611755040000006,71.941823150999994,74.685100000000006]
["Net trading income",18.147683166,0.83915211999999995,17.308531045999999,">500,0%",null,3.2088918999999549E-2,5.086060872,-5.0539719530000005,-0.99369081106035184,null,null,3.2088918999999549E-2,5.086060872,7.2453549730000004,5.7841784019999993,3.7665207180000002,-7.4581569089999995,1.3662463629999997,3.1645419479999997,2.8417426299999988,9.7334455329999994,3.284752000000001,5.3256449999999997,7.9722029999999968,11.748709000000002,15.017042999999999,1.5517639999999999,null,null,0.83915211999999995,21.185585162999999,36.289718999999998]
["Other net operating income",28.322794643000002,26.060178333,2.2626163100000021,8.6822748527965787E-2,null,5.735247467999999,7.0597770000000022,-1.3245295320000032,-0.18761634142268269,null,null,5.735247467999999,7.0597770000000022,6.543982089,8.9837880859999988,6.5647517999999989,4.739082709999999,7.0911868599999996,7.6651569630000003,6.120155907,7.2265428099999971,8.5242250000000013,5.4323810000000003,6.9123699999999992,7.0856230000000018,7.8961489999999994,6.523441,null,null,26.060178333,27.303304717,28.417583]
["Operating income",255.11031348600002,267.676536951,-12.566223464999979,-4.6945554541824919E-2,null,57.397822910000002,64.342371771999993,-6.9445488619999907,-0.10793119169756915,null,null,57.397822910000002,64.342371771999993,66.196300070999996,67.173818733000004,67.492192709999983,59.307429416000048,72.154771987999993,68.722142836999993,70.804856122999979,81.027806662999993,70.623968000000005,71.592556999999999,75.52757800000002,70.853105999999983,80.942870999999997,63.633279000000002,null,null,267.676536951,294.049187786,290.95683400000001]
["General administrative expenses",-136.60293019900001,-150.79324709100001,14.190316891999998,-9.4104458692612969E-2,null,-32.691551452000013,-34.608389117000002,1.9168376649999885,-5.5386503501210882E-2,null,null,-32.691551452000013,-34.608389117000002,-31.680404794000001,-37.622584836000001,-35.660705730000018,-36.91580922,-39.879670888999996,-38.337061251999998,-41.155471403000014,-38.884062567999997,-38.920616000000003,-38.001944000000002,-39.926306999999994,-37.831547,-37.538179999999997,-37.098996,null,null,-150.79324709100001,-156.962093971,-152.39502999999999]
["Staff expenses",-52.008605500999998,-55.820463379000003,3.811857878000005,-6.8287822193787928E-2,null,-11.792109848999996,-13.539925387,1.7478155380000047,-0.1290860538772336,null,null,-11.792109848999996,-13.539925387,-13.107043057,-13.569527208,-13.255866394000003,-13.755502073000001,-14.514241337,-14.294853574999999,-14.983667135000005,-14.393488598000001,-14.642363,-14.486060999999999,-16.635171,-14.463247000000001,-14.175261000000001,-13.751177,null,null,-55.820463379000003,0,-59.024856]
["Other administrative expenses",-51.795914828999997,-55.840498150000002,4.0445833210000046,-7.2431003572628438E-2,null,-12.665087904999996,-13.017528066999997,0.35244016200000061,-2.7074277096697963E-2,null,null,-12.665087904999996,-13.017528066999997,-11.034030875999999,-15.079267981000001,-13.877952166000009,-12.936285000999993,-15.177988413,-13.848272570000001,-15.851521768000003,-14.288894972999993,-14.218231000000001,-13.571159,-12.791790000000001,-12.974459000000005,-13.249716999999999,-13.431122,null,null,-55.840498150000002,0,-52.447088000000001]
["Depreciation on intangible and tangible fixed ass.",-32.798409868999997,-39.132285562,6.3338756930000031,-0.16185805664135833,null,-8.2343536979999961,-8.0509356630000006,-0.18341803499999543,2.278220106054718E-2,null,null,-8.2343536979999961,-8.0509356630000006,-7.5393308609999998,-8.9737896470000003,-8.5268871699999984,-10.224022146000003,-10.187441138999997,-10.193935107000001,-10.320282500000001,-10.201678997000002,-10.060022,-9.9447240000000008,-10.499345999999999,-10.393840999999998,-10.113202000000001,-9.9166969999999992,null,null,-39.132285562,0,-40.923085999999998]
["Operating result",118.50738328700001,116.88328985999999,1.6240934270000196,1.3895000978713989E-2,null,24.706271457999989,29.733982654999991,-5.0277111970000021,-0.1690897332972835,null,null,24.706271457999989,29.733982654999991,34.515895276999998,29.551233897000003,31.831486979999966,22.391620196000034,32.275101098999997,30.385081584999995,29.649384719999965,42.143744094999995,31.703352000000002,33.590612999999998,35.601271000000025,33.021558999999982,43.404691,26.534283000000002,null,null,116.88328985999999,137.087093815,138.56180400000002]
["Net provisioning for impairment losses",-51.890138755999999,-52.397276881000003,0.50713812500000444,-9.6787114748686509E-3,null,-17.767753870999996,-11.507117028000003,-6.2606368429999932,0.54406649621848202,null,null,-17.767753870999996,-11.507117028000003,-17.961150942,-4.6541169150000004,-8.249506835,-13.006330521000001,-15.196570345,-15.94486918,-29.246744828999997,-14.646606759000001,-12.974599000000001,-11.036759,-23.75971199999999,-9.3022089999999977,-19.059900000000003,-18.474819,null,null,-52.397276880999996,-67.904709588000003,-70.596639999999994]
["Other results",-10.181693176,-12.828214474999999,2.6465212989999989,-0.20630472807869082,null,-4.6025298169999997,-3.6566562649999996,-0.94587355200000012,0.25867171630363783,null,null,-4.6025298169999997,-3.6566562649999996,-4.4728841280000005,2.5503770340000003,-7.3231621360000005,-9.3151660080000021,-2.4260835619999992,6.2361972309999993,1.8614075260000007,0.29278252000000116,-5.5951480000000009,-2.7407890000000004,3.8465810000000005,-3.6441010000000005,-6.8279999999999452E-3,-0.83629900000000001,null,null,-12.828214475000001,-6.1817469539999994,-0.64064699999999974]
["Net income from derivatives",-5.2283978690000001,-4.3335400289999999,-0.89485784000000024,0.20649580574117743,null,-0.87575753000000045,-2.6280287909999998,1.7522712609999993,-0.66676258152150492,null,null,-0.87575753000000045,-2.6280287909999998,-1.7246115479999999,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",-4.9532953070000003,-8.4946744459999994,3.5413791389999991,-0.41689403890782128,null,-3.7267722870000002,-1.0286274740000001,-2.6981448129999999,2.6230534194345267,null,null,-3.7267722870000002,-1.0286274740000001,-2.7482725800000001,2.5503770340000003,-7.3231621360000005,-9.3151660080000021,-2.4260835619999992,6.2361972309999993,1.8614075260000007,0.29278252000000116,-5.5951480000000009,-2.7407890000000004,3.8465810000000005,-3.6441010000000005,-6.8279999999999452E-3,-0.83629900000000001,null,null,-12.828214475000001,-6.1817469539999994,-0.64064699999999974]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",56.435551355000001,51.657798503999999,4.7777528510000025,9.2488510725637019E-2,null,2.3359877700000027,14.570209362,-12.234221591999997,-0.83967369912388479,null,null,2.3359877700000027,14.570209362,12.081860207,27.447494016,16.258818009000002,7.012366699999717E-2,14.652447192,20.676409635999999,2.2640474170000005,27.789919856000004,13.133604999999996,19.813065000000002,15.688139000000001,20.075248000000002,24.337963999999999,7.2231649999999998,null,null,51.657798503999999,63.000637273000002,67.324516000000003]
["Income taxes",-11.072985789000001,-9.8660904709999997,-1.2068953180000008,0.12232761513261026,null,-0.67192673000000092,-2.899085951,2.2271592209999991,-0.76822807555318295,null,null,-0.67192673000000092,-2.899085951,-2.0581280020000001,-5.4438451059999995,-2.9070911060000011,-0.39301240999999987,-2.3822409330000003,-4.1837460220000002,-0.67765316500000061,-5.0377107129999992,-2.7624589999999998,-4.4628870000000003,-4.1794659999999997,-3.9693999999999998,-4.7278570000000002,-1.5958939999999999,null,null,-9.8660904710000015,-12.940709878,-14.472617]
["Profit after tax",45.362565566000001,41.791708032999999,3.5708575330000016,8.5444163473298307E-2,null,1.6640610400000035,11.671123411,-10.007062370999996,-0.85742066282739926,null,null,1.6640610400000035,11.671123411,10.023732205,22.003648909999999,13.351726902999999,-0.32288874300000003,12.270206258999998,16.492663614000001,1.5863942520000052,22.752208142999997,10.371147000000001,15.350178,11.508673000000002,16.105848000000002,19.610106999999999,5.6272710000000004,null,null,41.791708032999999,50.059927395000003,52.851899000000003]
[]
["Total assets",5097.1194400240001,5464.9739747189997,-367.85453469499953,-6.7311305853732684E-2,null,5097.1194400240001,5292.8776512049999,-195.75821118099975,-3.6985213730839295E-2,null,null,5097.1194400240001,5292.8776512049999,5158.9267778900003,6333.1850109829993,5464.9739747189997,5489.6366434640004,5640.4638002860002,5577.3703902950001,5858.1723615050005,5881.2777775560016,6015.8699690000003,5870.2586250000004,5899.6707189999997,6119.0034589999996,5727.8427339999998,5760.701583,null,null,5464.9739747189997,5858.1723615050005,5899.6707189999997]
["Loans and advances to customers",3525.434038374,3830.3824240399999,-304.94838566599992,-7.9613039092938154E-2,null,3525.434038374,3694.446602299,-169.01256392499999,-4.5747734943530127E-2,null,null,3525.434038374,3694.446602299,3710.4717248400002,3853.9841460229995,3830.3824240399999,3808.5887765850002,3885.1120930040001,3928.8459509609997,3814.298740359,3761.4824010409998,3971.1703229999998,3732.816061,3742.3549290000001,3690.4647960000002,3840.4193580000001,3943.4873149999999,null,null,3830.3824240399999,3814.298740359,3742.3549290000001]
["  Hereof corporate %",0.39654890717001084,0.39866859232316776,-0.21196851531569139,-5.3169103209380619E-3,null,0.39654890717001084,0.41170951971973074,-1.5160612549719898,-3.6823565702440941E-2,null,null,0.39654890717001084,0.41170951971973074,0.40951986701422355,0.40706136818419586,0.39866859232316776,0.39187163540093195,0.3894101379831521,0.39137471919235317,0.38100500249193886,0.37524328164060317,0.47,0.42899999999999999,0.43,0.40100000000000002,0.41,0.41899999999999998,null,null,0.39866859232316776,0.38100500249193886,0.43]
["  Hereof retail %",0.49420610341875637,0.4859014061782872,0.83046972404691721,1.7091321685580807E-2,null,0.49420610341875637,0.48171864422469723,1.2487459194059136,2.5922723448159379E-2,null,null,0.49420610341875637,0.48171864422469723,0.48297790685389891,0.47496953801572606,0.4859014061782872,0.49129795837776141,0.48481794089848634,0.47422245616142755,0.50218637815231582,0.50599891135294295,0.52300000000000002,0.56100000000000005,0.56599999999999995,0.59499999999999997,0.58499999999999996,0.57799999999999996,null,null,0.4859014061782872,0.50218637815231582,0.56599999999999995]
["  Hereof FCY %",0.61236006020855738,0.67409483288006955,-6.1734772671512168,-9.1581732510469527E-2,null,0.61236006020855738,0.64302188006227856,-3.0661819853721184,-4.7683944830542169E-2,null,null,0.61236006020855738,0.64302188006227856,0.65406589241820745,0.68452305459594287,0.67409483288006955,0.67795216324593766,0.68218005981668628,0.68776430374905861,0.72170199226212384,0.70199999999999996,0.70599999999999996,0.72199999999999998,0.73599999999999999,0.72699999999999998,0.72599999999999998,0.73499999999999999,null,null,0.67409483288006977,0.72170199226212384,0.73599999999999999]
["Deposits from customers",3039.9858404229999,3121.3397030649999,-81.353862641999967,-2.6063764402866618E-2,null,3039.9858404229999,3158.8494944140002,-118.86365399100032,-3.7628780415526197E-2,null,null,3039.9858404229999,3158.8494944140002,2965.44050161,3056.787994409,3121.3397030649999,3149.7231111409997,2986.203926612,2972.6303117449997,3101.7600964369999,3107.2380597609999,3051.8545330000002,2798.9434139999998,2968.0052479999999,3201.6462190000002,3073.5022090000002,3035.9373399999999,null,null,3121.3397030649999,3101.7600964369999,2968.0052479999999]
["Loan/deposit ratio",1.1596876510067733,1.2271597417861169,-6.7472090779343574,-5.4982320949625296E-2,null,1.1596876510067733,1.1695544877437596,-0.98668367369862953,-8.4364062045718669E-3,null,null,1.1596876510067733,1.1695544877437596,1.2512379603723316,1.2607953685607594,1.2271597417861169,1.209182090677591,1.3010203551007506,1.3216732452192079,1.2297207462113189,1.2105549458062195,1.3012318510136536,1.3336518495975569,1.2608990268874349,1.1526772614972673,1.2495254913935869,1.298935674014932,null,null,1.2271597417861169,1.2297207462113189,1.2608990268874349]
[]
["Return on equity before tax",7.6840580916267984E-2,6.5598033305706002E-2,1.1242547610561981,0.1713854370933412,null,1.2677204755286673E-2,7.7163160246947776E-2,-6.44859554916611,-0.83570910373920149,null,null,1.2677204755286673E-2,7.7163160246947776E-2,6.2448984809913385E-2,0.14170930296592102,8.6082603098039431E-2,3.6482371186536631E-4,7.3631389741460315E-2,0.10128452656181133,1.1671269031817292E-2,0.14115842694176498,6.5561788677626756E-2,9.8304499598647829E-2,8.2157262869519854E-2,0.10356852233658911,0.1249680556096963,3.6531316369763284E-2,null,null,6.5598033305706002E-2,8.331941184909171E-2,8.6892427020223081E-2]
["Return on equity after tax",6.1764008789734537E-2,5.3069506150921188E-2,0.86945026388133495,0.16383236380771238,null,9.0307161708193823E-3,6.1809734071060544E-2,-5.2779017900241163,-0.85389491952129948,null,null,9.0307161708193823E-3,6.1809734071060544E-2,5.1810887519291804E-2,0.11360314890406015,7.0690957179552996E-2,-1.6798532475605858E-3,6.1660166894019992E-2,8.0790217223146651E-2,8.1779356592073579E-3,0.11556945567167866,5.1771843904137742E-2,7.6161440294077301E-2,6.0269804655628416E-2,8.3090324878562355E-2,0.10069194539395714,2.846004725067117E-2,null,null,5.3069506150921188E-2,6.6205103444995958E-2,6.8213335194830096E-2]
["Cost/income ratio",0.53546612182143916,0.56334129546290312,-2.7875173641463968,-4.9481857385510253E-2,null,0.56956082643170081,0.53787866632638814,3.1682160105312662,5.8902057450420875E-2,null,null,0.56956082643170081,0.53787866632638814,0.47858271172287015,0.5600781010461956,0.52836786446140083,0.62244831016130375,0.55269623602486551,0.55785602237302956,0.58125210128957849,0.47988541427168807,0.55109642097708245,0.53080858670825237,0.52863216400239899,0.53394338139530551,0.46376141019262829,0.58301248313795051,null,null,0.56334129546290312,0.53379536652633852,0.52377195580840008]
["Net interest margin (avg. assets)",2.7809057423502582E-2,3.1245379007172069E-2,-0.34363215836694871,-0.10997855340083129,null,2.9445775560636968E-2,2.7686717398046113E-2,0.17590581625908547,6.3534370553982367E-2,null,null,2.9445775560636968E-2,2.7686717398046113E-2,2.7105822871441823E-2,2.6273059365927533E-2,3.1245379007172069E-2,3.159465555097183E-2,3.3746624916051925E-2,2.9688340977655912E-2,2.9351356865131746E-2,2.9674150403839247E-2,null,null,null,null,null,null,null,null,3.1245379007172069E-2]
["Net interest margin (avg. interest bearing assets)",3.1761189996489997E-2,3.6211666425475908E-2,-0.44504764289859111,-0.12290172942316946,null,3.2995204516313409E-2,3.0621773731276173E-2,0.2373430785037236,7.7507946008140038E-2,null,null,3.2995204516313409E-2,3.062177373127619E-2,3.2004040810178241E-2,3.1149274036876052E-2,3.40924214724743E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.4108600730086981E-2,1.0289574147279637E-2,0.38190265828073439,0.37115496988930485,null,1.9687587377448697E-2,1.2431863817675297E-2,0.72557235597733993,0.58363924075949125,null,null,1.9687587377448697E-2,1.2431863817675297E-2,1.8995313078560807E-2,4.8452836002193418E-3,1.0289574147279637E-2,1.3524134344666617E-2,1.5558384377798759E-2,1.6473791789399533E-2,3.088446646820129E-2,1.5152995776948166E-2,1.3473127654478992E-2,1.181164579621208E-2,2.5572757450403508E-2,9.8816646861409115E-3,1.9589032397947924E-2,null,null,null,1.3708165390863438E-2,1.7972164018404742E-2]
[]
["NPL ratio",0.12206340504911987,0.10281390065084725,1.9249504398272623,0.18722667145606442,null,0.12206340504911987,0.11941469765064831,0.26487073984715614,2.2180748689917928E-2,null,null,0.12206340504911987,0.11941469765064831,0.11068080542177125,0.10675367708104336,0.10281390065084725,0.10341180739212052,9.4306168838671586E-2,8.3576787661236704E-2,7.4734049271969305E-2,6.4021680201643005E-2,null,null,null,null,null,null,null,null,0.10281390065084725]
["NPL coverage ratio",0.6186849655404546,0.54390332532691532,7.478164021353928,0.13749068397144182,null,0.6186849655404546,0.56156835739585775,5.7116608144596848,0.10170909274422413,null,null,0.6186849655404546,0.56156835739585775,0.56801138222162229,0.53903388235753014,0.54390332532691532,0.53836718773757675,0.5477114071445125,0.54905513024756236,0.58270612245950382,0.57162483528408559,null,null,null,null,null,null,null,null,0.54390332532691532]
[]
["Number of employees",2066,2083,-17,-8.1613058089293755E-3,null,2066,2056,10,4.8638132295719672E-3,null,null,2066,2056,2070,2080,2083,2102,2112,2174,2216,2208,2238,2204,2225,2238,2265,2306,null,null,2083,2216,2225]
["Business outlets",79,81,-2,-2.4691358024691357E-2,null,79,79,0,0,null,null,79,79,79,81,81,81,84,84,84,84,84,84,85,84,83,79,null,null,81,84,85]
["Number of customers",479399,538817,-59418,-0.11027491708687731,null,479399,482265,-2866,-5.9427907892963816E-3,null,null,479399,482265,487323,513973,538817,538202,541585,542413,544239,546537,547347,548491,601716,597373,591192,587878,null,null,538817,544239,601716]
[]
["Back to Contents"]

{"sheet":"SEE-KO","index":23,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Kosovo",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",38.074455999999998,38.762259999999998,-0.68780399999999986,-1.7744166619799717E-2,null,9.0084209999999931,9.4628139999999998,-0.45439300000000671,-4.8018802863504129E-2,null,null,9.0084209999999931,9.4628139999999998,9.5698640000000008,10.033357000000001,10.208365000000002,10.196012999999999,9.6660330000000005,8.6918489999999995,9.4441699999999997,8.5267030000000013,8.2535719999999984,8.5951330000000006,10.286173,8.8231020000000004,9.751990000000001,10.166941,null,null,38.762259999999998,34.819578,39.028205999999997]
["Net fee and commission income",7.8601530000000004,7.8772690000000001,-1.7115999999999687E-2,-2.1728342652763688E-3,null,1.8580600000000003,2.1176819999999998,-0.25962199999999958,-0.12259725492307139,null,null,1.8580600000000003,2.1176819999999998,2.0526849999999999,1.831726,2.1325970000000001,2.2680209999999996,1.768278,1.7083729999999999,2.0048169999999996,2.32769,1.7144819999999998,1.392239,1.5185069999999998,1.6954630000000004,1.6163939999999999,1.446137,null,null,7.8772690000000001,7.439228,6.2765009999999997]
["Net trading income",0.134293,1.7349E-2,0.11694399999999999,">500,0%",null,2.172399999999999E-2,4.6324999999999998E-2,-2.4601000000000008E-2,-0.53105234754452257,null,null,2.172399999999999E-2,4.6324999999999998E-2,5.0305000000000002E-2,1.5938999999999998E-2,-1.1170000000000069E-3,9.8033000000000009E-2,-6.8582000000000004E-2,-1.0985E-2,2.1431000000000019E-2,-1.3989000000000008E-2,-4.7744000000000002E-2,-4.9488999999999998E-2,-5.1964999999999997E-2,0.11712299999999999,6.0350000000000001E-2,8.4294999999999995E-2,null,null,1.7349E-2,-8.9790999999999996E-2,0.20980299999999999]
["Other net operating income",-0.211698,-3.4160000000000003E-2,-0.177538,">500,0%",null,-0.10260899999999999,-0.12335500000000001,2.0746000000000014E-2,-0.16818126545336642,null,null,-0.10260899999999999,-0.12335500000000001,1.4506E-2,-2.4000000000000001E-4,0.11024700000000001,-8.8234000000000007E-2,-3.6237000000000005E-2,-1.9935999999999999E-2,0.181949,-3.5726999999999981E-2,-9.1327000000000019E-2,-0.14530799999999999,-3.1650000000000018E-2,-2.2502999999999999E-2,0.199073,-2.2520000000000001E-3,null,null,-3.4160000000000003E-2,-9.0412999999999993E-2,0.14266799999999999]
["Operating income",45.857203999999996,46.622717999999999,-0.76551400000000314,-1.6419334454074619E-2,null,10.785595999999995,11.503466,-0.71787000000000489,-6.24046700359705E-2,null,null,10.785595999999995,11.503466,11.687360000000002,11.880782,12.450092000000005,12.473832999999992,11.329492000000002,10.369301,11.652366999999998,10.804677000000002,9.8289829999999991,9.7925750000000011,11.721064999999999,10.613185,11.627807000000001,11.695120999999999,null,null,46.622717999999999,42.078602000000004,45.657177999999995]
["General administrative expenses",-26.556708,-26.283625000000001,-0.27308299999999974,1.0389852997826576E-2,null,-7.0830260000000003,-6.3515810000000004,-0.7314449999999999,0.11515951697695415,null,null,-7.0830260000000003,-6.3515810000000004,-6.3728449999999999,-6.7492560000000008,-7.4801559999999991,-6.4276680000000006,-6.3737639999999995,-6.0020369999999996,-7.0593540000000026,-6.2102709999999988,-5.5822389999999995,-5.4657689999999999,-6.9274939999999985,-5.5436310000000004,-5.9822479999999993,-5.7976830000000001,null,null,-26.283625000000001,-24.317633000000001,-24.251055999999998]
["Staff expenses",-10.920658,-10.787219,-0.1334389999999992,1.2370102062450039E-2,null,-2.9156020000000002,-2.6979700000000002,-0.21763200000000005,8.0665092643728453E-2,null,null,-2.9156020000000002,-2.6979700000000002,-2.6729699999999998,-2.6341160000000001,-2.9543370000000007,-2.6592099999999999,-2.7093129999999999,-2.464359,-2.6754100000000003,-2.345402,-2.1422059999999998,-2.2326389999999998,-2.4745149999999994,-2.3526009999999999,-2.3666799999999997,-2.4819110000000002,null,null,-10.787219,0,-9.6757069999999992]
["Other administrative expenses",-12.069407999999999,-12.177471000000001,0.10806300000000135,-8.8740100469137939E-3,null,-3.0872049999999995,-2.7343359999999999,-0.35286899999999966,0.12905107492276002,null,null,-3.0872049999999995,-2.7343359999999999,-2.9420730000000002,-3.3057940000000001,-3.6896480000000005,-2.9337820000000003,-2.8443409999999996,-2.7097000000000002,-3.5559910000000015,-3.0050460000000001,-2.6183079999999999,-2.4024489999999998,-3.687892999999999,-2.6365180000000006,-2.8503169999999995,-2.5700180000000001,null,null,-12.177471000000001,0,-11.744745999999999]
["Depreciation on intangible and tangible fixed ass.",-3.5666419999999999,-3.3189350000000002,-0.24770699999999968,7.4634483652135319E-2,null,-1.080219,-0.91927499999999995,-0.16094400000000009,0.17507709880068534,null,null,-1.080219,-0.91927499999999995,-0.75780199999999998,-0.80934600000000001,-0.83617100000000033,-0.83467599999999986,-0.82011000000000001,-0.82797799999999999,-0.82795300000000016,-0.859823,-0.82172500000000004,-0.830681,-0.76508600000000015,-0.55451199999999989,-0.7652509999999999,-0.74575400000000003,null,null,-3.3189350000000002,0,-2.830603]
["Operating result",19.300495999999995,20.339092999999998,-1.0385970000000029,-5.106407645611355E-2,null,3.7025699999999944,5.1518849999999992,-1.4493150000000048,-0.28131742071106114,null,null,3.7025699999999944,5.1518849999999992,5.3145150000000019,5.1315259999999991,4.9699360000000041,6.0461649999999914,4.9557280000000024,4.3672640000000005,4.5930129999999956,4.5944060000000029,4.2467439999999996,4.3268060000000013,4.7935710000000009,5.0695539999999992,5.6455590000000013,5.8974379999999984,null,null,20.339092999999998,17.760969000000003,21.406121999999996]
["Net provisioning for impairment losses",-4.6977120000000001,-5.826085,1.1283729999999998,-0.19367602772702419,null,-0.58429000000000064,-0.94655699999999998,0.36226699999999934,-0.38272074476233264,null,null,-0.58429000000000064,-0.94655699999999998,-1.7162599999999999,-1.4506049999999999,-2.9266759999999996,-1.149154,-1.1118029999999999,-0.63845200000000002,-2.793574,-1.155735,-0.82835399999999992,-0.97828400000000004,-2.1653539999999989,-3.7581640000000007,-4.2926690000000001,-2.6705909999999999,null,null,-5.826085,-5.7559469999999999,-12.886778]
["Other results",-7.0474999999999954E-2,-0.533169,0.46269400000000005,-0.86781864662049002,null,-0.22725499999999998,-0.25769399999999998,3.0438999999999994E-2,-0.11812071681917313,null,null,-0.22725499999999998,-0.25769399999999998,-0.16934600000000002,0.58382000000000001,-0.25411399999999995,-0.45163399999999998,-0.24213899999999999,0.41471799999999998,0.46962800000000005,-0.11532100000000001,-0.28678000000000003,-0.30727199999999999,1.5518380000000001,-6.7164000000000001E-2,-6.9024999999999892E-2,-2.6018910000000002,null,null,-0.533169,-0.23974500000000001,-1.186242]
["Net income from derivatives",-0.51763199999999998,0,-0.51763199999999998,"–",null,-0.10192599999999999,-0.23332800000000001,0.13140200000000002,-0.56316430089830627,null,null,-0.10192599999999999,-0.23332800000000001,-0.18237800000000001,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",0.44715700000000003,-0.533169,0.98032600000000003,"–",null,-0.12532899999999997,-2.4365999999999999E-2,-0.10096299999999997,4.1436017401296876,null,null,-0.12532899999999997,-2.4365999999999999E-2,1.3032E-2,0.58382000000000001,-0.25411399999999995,-0.45163399999999998,-0.24213899999999999,0.41471799999999998,0.46962800000000005,-0.11532100000000001,-0.28678000000000003,-0.30727199999999999,1.5518380000000001,-6.7164000000000001E-2,-6.9024999999999892E-2,-2.6018910000000002,null,null,-0.533169,-0.23974500000000001,-1.186242]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",14.532309,13.979839,0.55246999999999957,3.9519053116420011E-2,null,2.8910250000000008,3.9476339999999999,-1.056608999999999,-0.26765627208601384,null,null,2.8910250000000008,3.9476339999999999,3.428909,4.2647409999999999,1.7891460000000006,4.4453769999999997,3.6017859999999997,4.1435300000000002,2.2690669999999997,3.3233499999999996,3.1316100000000002,3.0412499999999998,4.1800550000000003,1.2442259999999998,1.283865,0.62495599999999996,null,null,13.979839,11.765276999999999,7.3331020000000002]
["Income taxes",-1.5965210000000001,-1.3911450000000001,-0.205376,0.14763090835247228,null,-0.30538500000000002,-0.42945299999999997,0.12406799999999996,-0.28889773735426216,null,null,-0.30538500000000002,-0.42945299999999997,-0.43898999999999999,-0.42269299999999999,-0.23249399999999998,-0.48639300000000008,-0.367896,-0.30436200000000002,-0.37709700000000007,-0.39860899999999982,-0.38984400000000002,-0.33055899999999999,0.29661099999999996,-0.25673399999999996,-6.3035000000000008E-2,-0.28548299999999999,null,null,-1.3911450000000001,-1.4961089999999999,-0.308641]
["Profit after tax",12.935788000000001,12.588694,0.34709400000000024,2.7571883151659815E-2,null,2.5856399999999997,3.5181809999999998,-0.93254100000000006,-0.26506339497598341,null,null,2.5856399999999997,3.5181809999999998,2.989919,3.8420480000000001,1.5566519999999988,3.9589840000000009,3.2338899999999997,3.8391679999999999,1.891970000000001,2.9247409999999996,2.7417659999999997,2.7106910000000002,4.4766659999999998,0.98749199999999993,1.2208299999999999,0.33947300000000002,null,null,12.588694,10.269168000000001,7.0244609999999996]
[]
["Total assets",628.928358,680.34296200000006,-51.414604000000054,-7.5571596785328432E-2,null,628.928358,649.35017300000004,-20.421815000000038,-3.1449618170810933E-2,null,null,628.928358,649.35017300000004,635.21430899999996,649.83735899999999,680.34296199999994,702.02509699999996,667.49979199999996,702.94898000000001,673.09777799999995,638.05994699999997,652.48106299999995,672.31514100000004,672.11316399999998,651.392605,612.03839700000003,593.62225100000001,null,null,680.34296199999994,673.09777799999995,672.11316399999998]
["Loans and advances to customers",428.29904099999999,428.47309799999999,-0.17405700000000479,-4.0622620372776641E-4,null,428.29904099999999,426.71923600000002,1.5798049999999648,3.7022118215452871E-3,null,null,428.29904099999999,426.71923600000002,428.14600899999999,422.86838999999998,428.47309799999999,421.29449099999999,418.015782,388.87796300000002,386.465845,377.44354800000002,374.32515799999999,366.60145499999999,371.53588000000002,394.22420499999998,422.63960600000001,421.227868,null,null,428.47309799999999,386.465845,371.53588000000002]
["  Hereof corporate %",0.37679985243953407,0.33838538250951633,3.8414469930017736,0.1135228408660276,null,0.37679985243953407,0.36239773715255236,1.4402115286981709,3.9741184368706772E-2,null,null,0.37679985243953407,0.36239773715255236,0.34511358274980963,0.34172602325075435,0.33838538250951633,0.31991435909364957,0.31809547959886703,0.30373279023241223,0.29886458317161146,0.28586261593746992,0.26400000000000001,0.27100000000000002,0.27,0.27500000000000002,0.28399999999999997,0.26100000000000001,null,null,0.33838538250951633,0.29886458317161146,0.27]
["  Hereof retail %",0.62320014756046593,0.66161461749048367,-3.8414469930017736,-5.8061700746160239E-2,null,0.62320014756046593,0.63760460631000726,-1.4404458749541327,-2.2591522405874476E-2,null,null,0.62320014756046593,0.63760460631000726,0.65488641725019037,0.65827397674924559,0.66161461749048367,0.6800880145456617,0.68190452040113292,0.69626720976758782,0.70113541682838854,0.71413593218978533,0.73,0.72799999999999998,0.72899999999999998,0.72499999999999998,0.71599999999999997,0.73899999999999999,null,null,0.66161461749048367,0.70113541682838854,0.72899999999999998]
["  Hereof FCY %",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,1E-3,0,0,0,0,0,null,null,0,0,0]
["Deposits from customers",513.86652300000003,557.27581999999995,-43.409296999999924,-7.7895532951707702E-2,null,513.86652300000003,524.21033199999999,-10.343808999999965,-1.9732173077427917E-2,null,null,513.86652300000003,524.21033199999999,521.09506999999996,523.53724599999998,557.27581999999995,580.43722100000002,546.60958900000003,567.77726800000005,550.20225100000005,509.27071799999999,526.40993600000002,540.38146600000005,547.81034299999999,537.27002800000002,505.337647,490.76770599999998,null,null,557.27581999999995,550.20225100000005,547.81034299999999]
["Loan/deposit ratio",0.83348305801193434,0.76887078646261742,6.4612271549316924,8.403527964247659E-2,null,0.83348305801193434,0.81402294070007009,1.9460117311864256,2.3906104286358643E-2,null,null,0.83348305801193434,0.81402294070007009,0.82162744122679965,0.8077140513513722,0.76887078646261742,0.72582266566947118,0.76474286293576155,0.68491287854800131,0.70240687728484041,0.74114519971281767,0.71109060145095737,0.67841234029295883,0.67821990721339853,0.73375432176536748,0.83635092004138767,0.85830396509423146,null,null,0.76887078646261742,0.70240687728484041,0.67821990721339853]
[]
["Return on equity before tax",0.16762562395010563,0.1569113937363292,1.0714230213776432,6.8282040957334145E-2,null,0.13327584834432182,0.18189231018361698,-4.8616461839295164,-0.26728156781459167,null,null,0.13327584834432182,0.18189231018361698,0.14777781031647938,0.18394510692906149,8.2618025459987213E-2,0.20541098961526991,0.16181518727110011,0.18110004983602582,0.11169771051806197,0.16356813248735727,0.15406169053693439,0.1495981252040757,0.22522628798292196,6.7081819981459609E-2,6.9233209572249613E-2,3.3746612192199946E-2,null,null,0.1569113937363292,0.1514451241536626,9.8922766561092279E-2]
["Return on equity after tax",0.1492102552172741,0.14129701499853933,0.79132402187347683,5.6004298596234126E-2,null,0.11919764253612894,0.16210471126100032,-4.2907068724871378,-0.26468736405685267,null,null,0.11919764253612894,0.16210471126100032,0.12885838698070953,0.16571368113247367,7.1882068075126274E-2,0.18293585028019446,0.14528695374021053,0.16779738921375628,9.3134630827938464E-2,0.14394945563338371,0.1348830489801375,0.13333803258777185,0.2412080381046075,5.3240135294658292E-2,6.5834008437093847E-2,1.8330992391020637E-2,null,null,0.14129701499853933,0.13218689391799437,9.4759232275849536E-2]
["Cost/income ratio",0.57911747083402654,0.56375145267163529,1.5366018162391248,2.7256724731388626E-2,null,0.65671159943317026,0.55214497960875453,10.456661982441574,0.18938254206080218,null,null,0.65671159943317026,0.55214497960875453,0.54527669208443985,0.56808179798265812,0.6008113032417749,0.51529213193731249,0.56258162325371686,0.57882754102711453,0.60583004294320664,0.57477618257352792,0.56793658102776245,0.55815441801569043,0.59102939877903582,0.52233434167029036,0.51447775147970709,0.49573518734863886,null,null,0.56375145267163529,0.57790971762797627,0.53115538590668043]
["Net interest margin (avg. assets)",5.8690339794071497E-2,5.6572133902827233E-2,0.21182058912442639,3.7442566597941429E-2,null,5.6378454501321784E-2,5.8932434347036537E-2,-0.25539798457147533,-4.3337423169643507E-2,null,null,5.6378454501321784E-2,5.8932434347036537E-2,5.9576524358085192E-2,6.034283828500573E-2,5.6572133902827233E-2,5.9559417032252274E-2,5.6425504973198669E-2,5.0532288670963897E-2,5.762339538517381E-2,5.2856610887553286E-2,null,null,null,null,null,null,null,null,5.6572133902827233E-2]
["Net interest margin (avg. interest bearing assets)",5.9642676859842841E-2,5.7476785370775392E-2,0.21658914890674494,3.7682891885751024E-2,null,5.7278470318699717E-2,5.9878413062379156E-2,-0.25999427436794387,-4.3420368221364081E-2,null,null,5.7278470318699717E-2,5.9878413062379156E-2,6.0598110169154701E-2,6.1338792389427972E-2,5.9975173454328158E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.0966070875000757E-2,5.5524233421302468E-3,0.54136475328705103,0.97500626290384895,null,5.4669240713786579E-3,8.8580697885314082E-3,-0.33911457171527504,-0.38283122600177355,null,null,5.4669240713786579E-3,8.8580697885314082E-3,1.613378106896168E-2,1.3631239829815506E-2,5.5524233421302468E-3,1.0953317617738725E-2,1.1023042445322213E-2,6.5875498679419386E-3,2.9255553348065715E-2,1.2298835966710216E-2,8.9439789092850414E-3,1.0602731536401691E-2,2.262174842920938E-2,3.6805782794067259E-2,4.0695195700835837E-2,null,null,null,1.4298212277235597E-2,1.5187160688849354E-2]
[]
["NPL ratio",8.0585046185055548E-2,9.1801376057453199E-2,-1.121632987239765,-0.12218041116701772,null,8.0585046185055548E-2,8.5088753767828748E-2,-0.45037075827732004,-5.292952809089102E-2,null,null,8.0585046185055548E-2,8.5088753767828748E-2,8.8482567170210372E-2,9.8640650345134584E-2,9.1801376057453199E-2,9.1484659361472639E-2,9.7502333057846127E-2,0.10900777985074968,9.4749576123602852E-2,9.0104462429840035E-2,null,null,null,null,null,null,null,null,9.1801376057453199E-2]
["NPL coverage ratio",0.76981638266910335,0.68717776949552078,8.2638613173582556,0.12025798394824405,null,0.76981638266910335,0.74077410762640494,2.9042275042698407,3.9205305293074977E-2,null,null,0.76981638266910335,0.74077410762640494,0.73828247146815373,0.64575862114350602,0.68717776949552078,0.73940871179357837,0.69697074752890953,0.64301791610272563,0.76863049677783635,0.75780479158936931,null,null,null,null,null,null,null,null,0.68717776949552078]
[]
["Number of employees",688,720,-32,-4.4444444444444398E-2,null,688,697,-9,-1.2912482065997155E-2,null,null,688,697,708,714,720,717,713,702,693,686,691,680,668,702,714,729,null,null,720,693,668]
["Business outlets",52,54,-2,-3.703703703703709E-2,null,52,54,-2,-3.703703703703709E-2,null,null,52,54,54,54,54,52,52,52,52,52,52,52,51,50,50,50,null,null,54,52,51]
["Number of customers",273486,252343,21143,8.3786750573624058E-2,null,273486,269087,4399,1.6347872621122583E-2,null,null,273486,269087,262318,257216,252343,245849,238581,231193,266122,268931,262557,284969,276797,263897,251654,241723,null,null,252343,266122,276797]
[]
["Back to Contents"]

{"sheet":"SEE-RS","index":24,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Serbia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",90.57088607,104.462469885,-13.891583815000004,-0.13298157539538247,null,24.231964557999994,21.230888635000007,3.0010759229999877,0.14135423036662664,null,null,24.231964557999994,21.230888635000007,22.030750268999999,23.077282607999997,23.746300771999991,26.275807624000009,27.889920183999998,26.550441305,26.662031821000003,25.679703441000004,25.530823999999999,25.110482999999999,26.790373999999996,29.512428999999994,33.55846600000001,31.283097999999999,null,null,104.462469885,102.983042262,121.144367]
["Net fee and commission income",35.02375155,34.915051433000002,0.10870011699999793,3.1132738615202715E-3,null,9.1975322410000029,8.5462429959999984,0.65128924500000451,7.620766754524011E-2,null,null,9.1975322410000029,8.5462429959999984,8.8860769180000005,8.393899395,9.4899671499999965,9.0266979999999979,8.7568217690000001,7.6415645140000006,8.6085844939999987,8.1926236010000011,8.5752810000000004,8.1229019999999998,9.6245500000000028,9.5178459999999987,9.1974130000000009,10.138838,null,null,34.915051432999995,33.499391095,38.478647000000002]
["Net trading income",0.61275281500000001,3.4430861429999999,-2.830333328,-0.82203384128341861,null,1.0633972679999999,1.1571935789999999,-9.3796310999999966E-2,-8.1054987430067671E-2,null,null,1.0633972679999999,1.1571935789999999,-2.0715334269999999,0.46369539500000001,1.327528417000001,0.57479854599999958,0.18296515300000005,1.357794027,0.51653762599999997,1.0026327000000002E-2,-0.44503799999999999,0.27945399999999998,0.16998099999999972,0.40883000000000003,0.4872240000000001,1.0230399999999999,null,null,3.4430861430000004,0.36097995299999996,2.0890749999999998]
["Other net operating income",5.3054423570000004,4.2952254429999996,1.0102169140000008,0.23519531801208893,null,1.2742066760000006,1.7665316680000001,-0.49232499199999946,-0.27869582013063543,null,null,1.2742066760000006,1.7665316680000001,1.525971057,0.738732956,0.88484821899999977,1.6107887679999999,1.384904197,0.414684259,1.2253146939999999,1.1700735260000001,1.430013,0.13425500000000001,-0.33097299999999996,-0.31574900000000006,0.38440600000000003,8.9663999999999994E-2,null,null,4.2952254429999996,3.9596562200000003,-0.172652]
["Operating income",131.51283279199998,147.11583290399997,-15.603000111999989,-0.10605928542158805,null,35.767100743,32.700856878000003,3.066243864999997,9.3766468457982866E-2,null,null,35.767100743,32.700856878000003,30.371264817,32.673610353999997,35.448644557999955,37.488092938000023,38.214611302999991,35.964484104999997,37.012468634999998,35.052426895000011,35.091080000000005,33.647094000000003,36.253931999999999,39.123355999999994,43.627509000000003,42.534640000000003,null,null,147.11583290399997,140.80306952999999,161.53943700000002]
["General administrative expenses",-78.227399949000002,-80.818808951999998,2.5914090029999954,-3.2064429513420478E-2,null,-21.544978805,-19.353275109999998,-2.1917036950000011,0.11324717302589926,null,null,-21.544978805,-19.353275109999998,-17.467299811,-19.861846223000001,-21.422169967999992,-19.608645882000005,-20.516025569,-19.271967533000002,-20.428675747000003,-20.915939580000003,-20.820371999999995,-19.971523000000001,-22.236428000000004,-22.184856999999994,-22.116093999999997,-21.714840000000002,null,null,-80.818808951999998,-82.136510326999996,-88.252218999999997]
["Staff expenses",-35.385061624999999,-36.624213498000003,1.2391518730000044,-3.3834224810525226E-2,null,-9.6477448479999985,-8.8169930670000021,-0.83075178099999647,9.4221666580334595E-2,null,null,-9.6477448479999985,-8.8169930670000021,-7.3689783000000002,-9.5513454099999997,-9.7572797510000022,-8.8788566839999987,-8.962007014000001,-9.0260700490000012,-8.5330351890000031,-10.597096133999997,-9.2566670000000002,-9.5974760000000003,-9.4828089999999996,-10.681562,-10.320225000000001,-10.820069,null,null,-36.624213498000003,0,-41.304665]
["Other administrative expenses",-31.336400551000001,-30.428956413000002,-0.9074441379999989,2.9821730514961509E-2,null,-9.0566599560000007,-7.7990602120000005,-1.2575997440000002,0.16125016473972065,null,null,-9.0566599560000007,-7.7990602120000005,-7.2603609579999997,-7.2203194249999996,-8.1973340879999963,-7.3145959870000006,-8.0414142769999994,-6.875612061,-8.5643607669999948,-7.0528091550000021,-8.2477619999999998,-7.090821,-9.4317970000000031,-8.281016000000001,-8.7932729999999992,-7.9957310000000001,null,null,-30.428956412999998,0,-34.501817000000003]
["Depreciation on intangible and tangible fixed ass.",-11.505937772999999,-13.765639041,2.2597012680000006,-0.16415520276753137,null,-2.8405740009999998,-2.7372218309999989,-0.10335217000000085,3.775805410781885E-2,null,null,-2.8405740009999998,-2.7372218309999989,-2.8379605529999998,-3.090181388,-3.4675561289999997,-3.4151932109999987,-3.5126042780000009,-3.3702854229999999,-3.3312797910000027,-3.2660342909999986,-3.3159429999999999,-3.283226,-3.3218219999999987,-3.2222789999999999,-3.002596,-2.8990399999999998,null,null,-13.765639041,0,-12.445736999999999]
["Operating result",53.285432842999981,66.297023951999975,-13.011591108999994,-0.19626206929621126,null,14.222121938000001,13.347581768000005,0.87454016999999595,6.5520495412633606E-2,null,null,14.222121938000001,13.347581768000005,12.903965006,12.811764130999997,14.026474589999964,17.879447056000025,17.698585733999991,16.692516571999995,16.583792887999994,14.136487315000007,14.27070800000001,13.675571000000001,14.017503999999995,16.938499,21.511415000000007,20.819800000000001,null,null,66.297023951999975,58.666559202999991,73.287218000000024]
["Net provisioning for impairment losses",-15.263403692000001,-18.297105246000001,3.0337015540000003,-0.16580226834860723,null,-6.4836199260000011,-2.3283645849999997,-4.1552553410000019,1.7846240093881183,null,null,-6.4836199260000011,-2.3283645849999997,-4.3132849699999998,-2.1381342110000001,-3.5688195780000012,-3.9508681419999991,-2.1697049250000013,-8.6077126009999994,-9.946829370999998,-7.7456896680000025,-4.7839170000000006,-9.8859429999999993,-2.7351889999999983,-10.099250999999999,-14.639543,-9.0568600000000004,null,null,-18.297105246000001,-32.362379039000004,-36.530842999999997]
["Other results",12.785851603999999,5.9231385689999998,6.8627130349999996,1.1586278043396558,null,2.2336682800000007,2.7748580079999994,-0.54118972799999865,-0.1950333049257772,null,null,2.2336682800000007,2.7748580079999994,2.6992133750000002,5.0781119409999995,2.0171417210000002,1.7027997290000005,1.4025822130000001,0.80061490599999996,0.62558585,0.27308309800000002,0,0,-0.47137499999999999,0,0,0,null,null,5.9231385690000007,0.89866894799999997,-0.47137499999999999]
["Net income from derivatives",5.6369999999999996E-3,-1.5217E-2,2.0853999999999998E-2,"–",null,5.6369999999999996E-3,-1.16E-3,6.7969999999999992E-3,"–",null,null,5.6369999999999996E-3,-1.16E-3,1.16E-3,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",12.780214603999999,5.9383555689999996,6.8418590349999997,1.1521470810398351,null,2.2280312799999997,2.7760180079999994,-0.5479867279999997,-0.19740027853594522,null,null,2.2280312799999997,2.7760180079999994,2.6980533750000002,5.0781119409999995,2.0171417210000002,1.7027997290000005,1.4025822130000001,0.80061490599999996,0.62558585,0.27308309800000002,0,0,-0.47137499999999999,0,0,0,null,null,5.9231385690000007,0.89866894799999997,-0.47137499999999999]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",50.807880754999999,53.923057274999998,-3.1151765199999986,-5.7770769637801478E-2,null,9.9694852920000017,13.796760190999999,-3.8272748989999972,-0.27740388656582093,null,null,9.9694852920000017,13.796760190999999,11.289893411,15.751741860999999,12.474796733,15.631378642999996,16.931463022000003,8.8854188770000011,7.2625493669999974,6.6638817450000003,9.4867880000000007,3.7896299999999998,10.810939999999995,6.8392470000000003,6.8718730000000008,11.76294,null,null,53.923057274999998,27.202849111999999,36.284999999999997]
["Income taxes",-3.632376534,-3.9982095750000002,0.36583304100000014,-9.1499215870893935E-2,null,-0.47751610999999983,-1.2996362270000001,0.82212011700000032,-0.63257710113062293,null,null,-0.47751610999999983,-1.2996362270000001,-0.73342663200000002,-1.1217975650000001,-0.6137660110000005,-1.0897930709999999,-1.3584127929999998,-0.93623769999999995,0.22234448800000012,-0.51819879300000005,-0.69065700000000008,-0.17047200000000001,-0.92354499999999973,-0.4187280000000001,-0.35543499999999995,-0.38895000000000002,null,null,-3.9982095750000002,-1.156983305,-2.0866579999999999]
["Profit after tax",47.175504220999997,49.924847700000001,-2.7493434790000038,-5.5069641784806111E-2,null,9.4919691820000001,12.497123963999998,-3.0051547819999982,-0.24046771006327827,null,null,9.4919691820000001,12.497123963999998,10.556466779000001,14.629944296,11.861030722000002,14.541585571999999,15.573050229,7.9491811769999998,7.4848938549999975,6.1456829519999996,8.7961320000000001,3.619157,9.8873940000000005,6.4205189999999988,6.5164380000000008,11.373989999999999,null,null,49.924847700000001,26.045865806999998,34.198340999999999]
[]
["Total assets",1883.0775209139999,2206.893244591,-323.81572367700005,-0.1467292196714356,null,1883.0775209139999,1974.5112578660001,-91.433736952000118,-4.6307022351860017E-2,null,null,1883.0775209139999,1974.5112578660001,1952.1194441120001,1969.18700375,2206.893244591,2214.2125350860001,2050.0026239680001,2060.0603944059999,2129.2357396530001,2470.3084450840001,2551.7529500000001,2733.3655650000001,2762.0478889999999,2814.3032029999999,2678.9868329999999,2677.90958,null,null,2206.893244591,2129.2357396530001,2762.0478889999999]
["Loans and advances to customers",1204.372125723,1330.7199988570001,-126.34787313400011,-9.4947001053959146E-2,null,1204.372125723,1279.862036321,-75.489910598000051,-5.8982850069526194E-2,null,null,1204.372125723,1279.862036321,1240.864967711,1308.7468508449999,1330.7199988570001,1348.1355417969999,1367.7925322049998,1341.234718527,1391.3671760969999,1312.9787856960002,1351.8754550000001,1367.021921,1414.947255,1598.872439,1746.286067,1876.680008,null,null,1330.7199988570001,1391.3671760969999,1414.947255]
["  Hereof corporate %",0.53109006187457031,0.53797718528315497,-0.68871234085846611,-1.2801887509336973E-2,null,0.53109006187457031,0.55908918305254784,-2.7999121177977537,-5.0079883543992509E-2,null,null,0.53109006187457031,0.55908918305254784,0.55189968288250535,0.56925593716738221,0.53797718528315497,0.54052187613119151,0.54885132472530562,0.54498801477742531,0.55476520572932952,0.55010789806259119,0.56299999999999994,0.55400000000000005,0.55000000000000004,0.57499999999999996,0.57999999999999996,0.58299999999999996,null,null,0.53797718528315497,0.55476520572932952,0.55000000000000004]
["  Hereof retail %",0.44356810022152626,0.43061425393771791,1.2953846283808357,3.0082251493890322E-2,null,0.44356810022152626,0.41215537300115168,3.1412727220374581,7.621574114548002E-2,null,null,0.44356810022152626,0.41215537300115168,0.419651613995076,0.39850100898034535,0.43061425393771791,0.42818009458986334,0.42158499129619759,0.42321740783680711,0.41582558735401948,0.4475395995743468,0.437,0.44,0.45,0.42499999999999999,0.42,0.41699999999999998,null,null,0.43061425393771791,0.41582558735401948,0.45]
["  Hereof FCY %",0.66622431959583905,0.66219339963094204,0.40309199648970173,6.0872246191876478E-3,null,0.66622431959583905,0.67657917449378746,-1.0354854897948407,-1.5304720110097758E-2,null,null,0.66622431959583905,0.67657917449378746,0.71990347317795511,0.68380833116976103,0.66219339963094204,0.65363902417809616,0.65178452068517678,0.67730426856059101,0.65268968220699863,0.65600000000000003,0.78500000000000003,0.81499999999999995,0.83699999999999997,0.85499999999999998,0.84499999999999997,0.42399999999999999,null,null,0.66219339963094193,0.65268968220699863,0.83699999999999997]
["Deposits from customers",1139.1600941229999,1176.2394557539999,-37.079361630999983,-3.1523650604996178E-2,null,1139.1600941229999,1165.3591510880001,-26.199056965000182,-2.2481530213703027E-2,null,null,1139.1600941229999,1165.3591510880001,1052.2296742369999,1041.7970473370001,1176.2394557539999,1138.9935087860001,1014.616876596,1009.15749003,1084.6618774649999,1130.0294592739999,1098.177754,1143.7364090000001,1148.7181,1242.2331610000001,1165.541921,1117.60643,null,null,1176.2394557539999,1084.6618774649999,1148.7181]
["Loan/deposit ratio",1.0572457128163399,1.1313342639097022,-7.4088551093362209,-6.5487763835000101E-2,null,1.0572457128163399,1.0982554477957271,-4.1009734979387202,-3.7340798137351805E-2,null,null,1.0572457128163399,1.0982554477957271,1.1792719765395179,1.2562397390070996,1.1313342639097022,1.1836200394451013,1.3480877006440997,1.329063829756769,1.2827658139408489,1.1618978380789631,1.2310169734143057,1.1952246253970569,1.2317619570893852,1.2870952806580245,1.4982610539668439,1.6791957863019811,null,null,1.1313342639097022,1.2827658139408489,1.2317619570893852]
[]
["Return on equity before tax",0.1082008827834792,0.11043826708555353,-0.22373843020743328,-2.0259139889809097E-2,null,8.929468594113471E-2,0.12469502037812366,-3.5400334436988952,-0.28389533382841914,null,null,8.929468594113471E-2,0.12469502037812366,0.10013184990838427,0.13253777425976823,0.10002408393086762,0.1239670187403312,0.13593484807090087,7.238025817515116E-2,6.3284905840075928E-2,5.7739502069838633E-2,7.9589774881432179E-2,3.0469030737924077E-2,8.9985991789346506E-2,5.6184023790934769E-2,5.7008395952196353E-2,9.498081993640542E-2,null,null,0.11043826708555352,5.8564845934947415E-2,7.3663070016435406E-2]
["Return on equity after tax",0.10046534369504523,0.10224964872409829,-0.17843050290530654,-1.7450475882491157E-2,null,8.5017669643362687E-2,0.1129489174114556,-2.7931247768092913,-0.24729097372703146,null,null,8.5017669643362687E-2,0.1129489174114556,9.3626973134022337E-2,0.12309878308360832,9.5102850798805691E-2,0.11532424952968072,0.12502878304898929,6.4753704224529821E-2,6.5222386644141331E-2,5.3249545401045519E-2,7.3795489654386898E-2,2.9098409575175701E-2,8.2298759895257423E-2,5.2744197167633899E-2,5.4059741456505161E-2,9.1840211388349829E-2,null,null,0.10224964872409828,5.6073983719462012E-2,6.9426892311669652E-2]
["Cost/income ratio",0.59482712286126516,0.54935493588061379,4.5472186980651363,8.2773784325355315E-2,null,0.60236861130592423,0.59182776715004703,1.0540844155877194,1.7810661717743814E-2,null,null,0.60236861130592423,0.59182776715004703,0.5751258604555336,0.60788648722342542,0.60431562997986321,0.52306330744617846,0.53686338469676953,0.53586108664132615,0.55194037307963006,0.59670446336437599,0.5933237734489788,0.59355862946143279,0.61335217377248907,0.56704892596637158,0.50693001977261631,0.51052130686894259,null,null,0.54935493588061379,0.58334317995460827,0.54631996148408013]
["Net interest margin (avg. assets)",4.534989216470791E-2,4.8995546799154938E-2,-0.36456546344470275,-7.4407877299369374E-2,null,5.0253079729589194E-2,4.325517777733498E-2,0.69979019522542141,0.1617818331085672,null,null,5.0253079729589194E-2,4.325517777733498E-2,4.494573543164268E-2,4.420850411994403E-2,4.8995546799154951E-2,4.9295463092587852E-2,5.4286116897611279E-2,5.070148388727122E-2,4.6373346140645068E-2,4.0907032265495406E-2,null,null,null,null,null,null,null,null,4.8995546799154938E-2]
["Net interest margin (avg. interest bearing assets)",4.7702726514531911E-2,5.1012195430675818E-2,-0.33094689161439067,-6.4876033822958812E-2,null,5.3357045757057249E-2,4.5752626237890927E-2,0.76044195191663222,0.16620727911064859,null,null,5.3357045757057249E-2,4.5752626237890941E-2,4.7175107240955132E-2,4.6000695156775316E-2,4.4648235571546076E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.2041695482391005E-2,7.7459993526661211E-3,0.42956961297248841,0.55456964739434622,null,2.087925534576934E-2,7.3895017787350735E-3,1.3489753567034266,1.8255295107789293,null,null,2.087925534576934E-2,7.3895017787350735E-3,1.3533934659725182E-2,6.4805033220747552E-3,7.7459993526661211E-3,1.1637622306185095E-2,6.4073328887001213E-3,2.5200048694789919E-2,2.9424724533114635E-2,2.3252873045625191E-2,1.4076050217203933E-2,2.8428619800063518E-2,7.2603918686848911E-3,2.4152520083901816E-2,3.232609457983953E-2,null,null,null,1.3443438119360889E-2,2.3063972219498876E-2]
[]
["NPL ratio",0.12466668548133823,0.12557814877925919,-9.1146329792095304E-2,-7.2581361230537045E-3,null,0.12466668548133823,0.11200012574171544,1.2666559739622787,0.11309415641937104,null,null,0.12466668548133823,0.11200012574171544,0.11601237261581519,0.12481693835177497,0.12557814877925919,0.12837084004870727,0.12724023410146518,8.4932545134987047E-2,7.7628265820517017E-2,8.0319228735631229E-2,null,null,null,null,null,null,null,null,0.12557814877925919]
["NPL coverage ratio",0.75903145276534234,0.59965951305155551,15.937193971378683,0.26577071862459545,null,0.75903145276534234,0.75563275331634316,0.33986994489991762,4.497819124545499E-3,null,null,0.75903145276534234,0.75563275331634316,0.7413069444237107,0.63092982064234515,0.59965951305155551,0.56553239111955778,0.55478212730395193,0.63774951246990008,0.77565471103673445,0.77374847385832712,null,null,null,null,null,null,null,null,0.59965951305155551]
[]
["Number of employees",1769,1765,4,2.2662889518414442E-3,null,1769,1776,-7,-3.9414414414414845E-3,null,null,1769,1776,1761,1763,1765,1772,1776,1792,1848,1914,1938,1963,1982,2082,2167,2171,null,null,1765,1848,1982]
["Business outlets",85,85,0,0,null,85,85,0,0,null,null,85,85,84,85,85,85,84,84,95,97,98,98,101,104,104,104,null,null,85,95,101]
["Number of customers",550790,508503,42287,8.3159784701368533E-2,null,550790,526210,24580,4.6711388989186808E-2,null,null,550790,526210,517591,510594,508503,499849,496254,494809,501553,589004,590260,587942,585773,584627,591451,593125,null,null,508503,501553,585773]
[]
["Back to Contents"]

{"sheet":"SEE-RO","index":25,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Romania",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",302.72621518900002,268.09698301100002,34.629232177999995,0.12916681041718081,null,73.387419928000028,70.712810943999997,2.6746089840000309,3.7823542131823151E-2,null,null,73.387419928000028,70.712810943999997,78.517810194999996,80.108174121999994,72.465119111000007,71.335227381000038,64.95164940799998,59.344987111000002,57.345723067999998,61.060617585999992,59.660314,60.374105,73.97080099999998,57.696220999999994,58.101241000000002,53.942937000000001,null,null,268.09698301100002,238.440759654,243.71119999999999]
["Net fee and commission income",142.61849714100001,179.09136981400002,-36.472872673000012,-0.20365511029861383,null,33.687852207000006,42.333275634999993,-8.6454234279999866,-0.20422287900755276,null,null,33.687852207000006,42.333275634999993,33.288875902999997,33.308493396000003,45.298666929000021,43.468222078000011,45.564353056000002,44.760127750999999,51.58236303800004,52.192311048999983,50.487707,47.246668,59.275704999999974,51.191722000000013,48.926131999999996,47.069271999999998,null,null,179.09136981400002,201.50904908700002,206.46283099999999]
["Net trading income",9.3464584590000008,15.018148717000001,-5.6716902579999999,-0.3776557527080453,null,2.7990827800000009,2.2705354380000005,0.52854734200000042,0.23278533034726423,null,null,2.7990827800000009,2.2705354380000005,-0.86041650700000005,5.1372567479999995,4.3654818540000004,0.77967302000000061,5.4981333009999993,4.3748605420000004,2.6337031940000002,3.897931724999999,2.0497670000000006,3.9880499999999999,2.4410570000000007,4.8416799999999967,11.084677000000003,17.680043999999999,null,null,15.018148717000001,12.569451919,36.047457999999999]
["Other net operating income",2.873891301,6.4757084379999998,-3.6018171369999998,-0.55620433987797147,null,1.417413225,1.08255697,0.33485625500000005,0.3093197533982901,null,null,1.417413225,1.08255697,-5.1111974999999997E-2,0.42503308099999998,4.8875136499999998,2.0562671909999999,0.71133052000000008,-1.179402923,-0.93233724499999981,3.554290988,0.53810499999999983,-3.1731799999999999,-4.1071009999999992,0.53076899999999971,-1.9818399999999998,0.24895900000000001,null,null,6.4757084379999998,-1.3121256999999999E-2,-5.3092129999999997]
["Operating income",457.56506209000003,468.68220998000004,-11.117147890000012,-2.3720012522929768E-2,null,111.29176814000004,116.39917898699998,-5.1074108469999402,-4.3878409551070474E-2,null,null,111.29176814000004,116.39917898699998,110.89515761600001,118.97895734699999,127.01678154400005,117.63938967000004,116.72546628499998,107.30057248099999,110.62945205500004,120.70515134799997,112.735893,108.435643,131.58046199999995,114.26039200000001,116.13020999999999,118.94121199999999,null,null,468.68220998000004,452.50613940300002,480.91227600000002]
["General administrative expenses",-263.43630120099999,-286.47807561099995,23.04177440999996,-8.0431196561400076E-2,null,-69.865928265999969,-66.333863829000023,-3.5320644369999457,5.3246776730888845E-2,null,null,-69.865928265999969,-66.333863829000023,-60.660478636000001,-66.576030470000006,-72.602250363999971,-70.08353752500004,-73.084999698999994,-70.707288023000004,-72.416206379999934,-70.398168122000001,-64.787613000000007,-68.426044000000005,-69.192049000000054,-71.742659999999972,-68.262912999999998,-67.12152900000001,null,null,-286.47807561100001,-276.02803150199998,-276.31915100000003]
["Staff expenses",-118.122370758,-122.259295818,4.1369250599999958,-3.3837304822680991E-2,null,-29.45421657699999,-30.672641745,1.2184251680000102,-3.9723515767879025E-2,null,null,-29.45421657699999,-30.672641745,-29.077277241000001,-28.918235195000001,-27.963829674999985,-30.345831813000018,-31.798466293999994,-32.151168036000001,-33.453599991999994,-31.248533498000004,-29.402839000000004,-30.449003999999999,-33.11672200000001,-30.846503999999996,-29.744121,-30.823698,null,null,-122.259295818,0,-124.53104500000001]
["Other administrative expenses",-121.867762829,-135.30529495499999,13.437532125999994,-9.9312684920934258E-2,null,-34.075994300999994,-30.214954039000009,-3.8610402619999853,0.12778574003509457,null,null,-34.075994300999994,-30.214954039000009,-25.609649197,-31.967165292000001,-36.134466895000017,-32.787316653000005,-34.751106579999998,-31.632404826999998,-32.041879392000013,-33.474196842999987,-29.923484000000002,-32.316794000000002,-31.278968999999989,-34.455204999999999,-33.305876000000005,-31.233162,null,null,-135.30529495500002,0,-130.273212]
["Depreciation on intangible and tangible fixed ass.",-23.446167614,-28.913484837999999,5.4673172239999985,-0.18909229567563202,null,-6.3357173879999999,-5.4462680450000009,-0.889449342999999,0.16331354528475073,null,null,-6.3357173879999999,-5.4462680450000009,-5.9735521980000001,-5.690629983,-8.5039537939999974,-6.9503890590000026,-6.5354268249999983,-6.9237151600000004,-6.9207269959999982,-5.6754377809999967,-5.4612900000000009,-5.6602459999999999,-4.7963580000000015,-6.4409510000000001,-5.2129159999999999,-5.0646690000000003,null,null,-28.913484837999999,0,-21.514894000000002]
["Operating result",194.12876088900003,182.20413436900009,11.924626519999947,6.5446519977698125E-2,null,41.425839874000076,50.065315157999962,-8.6394752839998858,-0.17256408467088979,null,null,41.425839874000076,50.065315157999962,50.234678980000005,52.402926876999985,54.41453118000004,47.555852145000017,43.640466585999988,36.593284457999985,38.21324567500011,50.306983225999971,47.948279999999997,40.009598999999994,62.3884129999999,42.517732000000038,47.867296999999994,51.819682999999984,null,null,182.20413436900003,176.47810790100004,204.59312499999999]
["Net provisioning for impairment losses",-99.228356253000001,-68.438606258999997,-30.789749994000005,0.44988861809194147,null,-25.07931772800001,-24.949252320999992,-0.13006540700001779,5.2131985891432642E-3,null,null,-25.07931772800001,-24.949252320999992,-21.735103392999999,-27.464682810999999,-16.664721148999995,-17.822544571000002,-17.504608752999999,-16.446731786000001,-20.442483343999996,-18.822181336999996,-17.086123000000001,-15.899335000000001,-63.805663000000017,-39.864477999999998,-29.222250000000003,-33.189906999999998,null,null,-68.438606258999997,-72.250122680999993,-166.08229800000001]
["Other results",6.1288196799999994,-0.71690700799999996,6.8457266879999992,"–",null,0.23127008699999863,1.512270397,-1.2810003100000014,-0.84707094216828827,null,null,0.23127008699999863,1.512270397,-6.8123192909999997,11.197598487,4.2030729569999989,-5.8839275909999991,2.3837350179999999,-1.7398651540000001,-7.6414624000001652E-2,4.6861206939999995,-12.202069999999999,19.125003,-1.9175210000000011,4.1614909999999998,5.5718370000000004,3.2308720000000002,null,null,-1.0369847700000001,11.53263907,11.046678999999999]
["Net income from derivatives",-0.74655550800000003,0,-0.74655550800000003,"–",null,0.16350677899999999,-0.41743943100000003,0.58094621000000002,"–",null,null,0.16350677899999999,-0.41743943100000003,-0.492622856,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",6.8753751879999996,-1.0369847699999999,7.9123599579999997,"–",null,6.7763307999999967E-2,1.929709828,-1.86194652,-0.96488419812307658,null,null,6.7763307999999967E-2,1.929709828,-6.319696435,11.197598487,4.2030729569999989,-5.8839275909999991,2.3837350179999999,-1.7398651540000001,-7.6414624000001652E-2,4.6861206939999995,-12.202069999999999,19.125003,-1.9175210000000011,4.1614909999999998,5.5718370000000004,3.2308720000000002,null,null,-1.0369847700000001,11.53263907,11.046678999999999]
["Net income from disposal from group assets",0,0.32007776199999999,-0.32007776199999999,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",101.029224316,112.72854334,-11.699319024000005,-0.10378311186647504,null,16.577792232999997,26.628333233999996,-10.050541000999999,-0.37743785586125655,null,null,16.577792232999997,26.628333233999996,21.687256296000001,36.135842553000003,41.952882988000006,23.849379982999999,28.519592851000006,18.406687517999998,17.694347707000013,36.170921583000002,18.660087000000004,43.235267999999998,-3.3347730000000055,6.8147480000000016,24.216884,21.860647,null,null,112.72854334,115.76062429000001,49.557505999999997]
["Income taxes",-14.92484022,-18.466613019,3.5417727990000003,-0.19179330802870709,null,-2.8178986029999997,-3.6876002179999992,0.86970161499999943,-0.23584487568766044,null,null,-2.8178986029999997,-3.6876002179999992,-3.3831310710000002,-5.0362103280000001,-7.7805487930000012,-3.5211429629999991,-4.4129721620000009,-2.7519491009999997,-2.2254376860000011,-3.2113114619999985,-3.7873130000000002,-5.7578120000000004,0.85456100000000035,-1.8912460000000006,-4.1339579999999998,-4.74512,null,null,-18.466613019,-14.981874147999999,-9.9157630000000001]
["Profit after tax",86.104384096000004,94.261930320999994,-8.1575462249999902,-8.6541260052921065E-2,null,13.759893630000008,22.940733015999996,-9.1808393859999882,-0.40019817063372909,null,null,13.759893630000008,22.940733015999996,18.304125225,31.099632225000001,34.172334194999991,20.328237020000003,24.106620689000003,15.654738416999999,15.468910021000006,32.959610121000004,14.872774000000007,37.477455999999997,-2.4802120000000016,4.9235010000000017,20.082926999999998,17.115527,null,null,94.261930320999994,100.77875014200001,39.641742999999998]
[]
["Total assets",5981.9346079500001,6358.7098184489996,-376.77521049899951,-5.9253405369408929E-2,null,5981.9346079500001,6090.3270577470003,-108.39244979700015,-1.7797476025384062E-2,null,null,5981.9346079500001,6090.3270577470003,6401.1699535420003,6263.1846157480031,6358.7098184490005,6291.633784134001,6172.0553029739995,6119.9965045859981,6227.1580881969976,5673.8918708680012,5817.6172319999996,5864.0423030000002,6164.0636039999999,5846.8261629999997,6362.7714079999996,6784.9579480000002,null,null,6358.7098184490005,6227.1580881969976,6164.0636039999999]
["Loans and advances to customers",4225.5908885070003,4427.8800865949997,-202.28919808799947,-4.5685337934153081E-2,null,4225.5908885070003,4216.7826087639996,8.8082797430006394,2.0888626614741224E-3,null,null,4225.5908885070003,4216.7826087639996,4222.8327357520002,4339.0144261559999,4427.8800865950006,4404.3454912650004,4397.4722990389992,4204.7489376969997,4246.5909170790001,4104.1762298120002,4053.4255979999998,4120.4665329999998,4154.0320970000002,4198.768642,4259.0926680000002,4378.7744549999998,null,null,4427.8800865950006,4246.5909170790001,4154.0320970000002]
["  Hereof corporate %",0.35271279212777573,0.37085941805107636,-1.814662592330063,-4.8931279724980348E-2,null,0.35271279212777573,0.35274212592869969,-2.9333800923958542E-3,-8.315933586533486E-5,null,null,0.35271279212777573,0.35274212592869969,0.35359366567420497,0.36454779818640826,0.37085941805107636,0.37336448438984682,0.34103889689348788,0.33163953425043918,0.34219777699335774,0.33373518175235428,0.34200000000000003,0.33900000000000002,0.34399999999999997,0.34399999999999997,0.36099999999999999,0.373,null,null,0.37085941805107636,0.34219777699335774,0.34399999999999997]
["  Hereof retail %",0.61931052958035926,0.60837082305753543,1.0939706522823833,1.7981971041680422E-2,null,0.61931052958035926,0.62039901033560418,-0.10884807552449249,-1.754484996125516E-3,null,null,0.61931052958035926,0.62039901033560418,0.62321076869485481,0.61536791538354108,0.60837082305753543,0.60233383170482779,0.60736009234396493,0.61215948918710728,0.60165365583829478,0.60690693101989401,0.61699999999999999,0.61699999999999999,0.60799999999999998,0.60599999999999998,0.60399999999999998,0.58899999999999997,null,null,0.60837082305753543,0.60165365583829478,0.60799999999999998]
["  Hereof FCY %",0.51837744301222155,0.52080000000000004,-0.24225569877784903,-4.6516071193903885E-3,null,0.51837744301222155,0.56884530756094465,-5.0467864548723096,-8.8719839784063059E-2,null,null,0.51837744301222155,0.56884530756094465,0.55286063789222017,0.52080000000000004,0.52080000000000004,0.52080000000000004,0.52080000000000004,0.52080000000000004,0.52080000000000004,0.61799999999999999,0.622,0.61399999999999999,0.626,0.64300000000000002,0.65800000000000003,0.66200000000000003,null,null,0.52080000000000004,0.52080000000000004,0.626]
["Deposits from customers",3781.0993886820002,3903.6536733510002,-122.55428466900003,-3.1394763707046858E-2,null,3781.0993886820002,3813.1326556200002,-32.033266937999997,-8.4007743320410055E-3,null,null,3781.0993886820002,3813.1326556200002,3692.4276501250001,3871.759236422,3903.6536733509988,3758.3876022949999,3498.9494078010011,3420.4803558860012,3631.2010405150008,3422.5404109359997,3396.3460690000002,3307.57069,3278.249319,3275.0720409999999,3157.2802780000002,3327.5934320000001,null,null,3903.6536733509988,3631.2010405150008,3278.249319]
["Loan/deposit ratio",1.117556153418104,1.1342912197418353,-1.673506632373134,-1.4753765199328805E-2,null,1.117556153418104,1.1058578312372842,1.1698322180819787,1.0578504623628859E-2,null,null,1.117556153418104,1.1058578312372842,1.1436467104803107,1.1206829147170327,1.1342912197418353,1.1718710142018234,1.2567979088907995,1.2292860944111024,1.169472818964802,1.1991607803075102,1.1934666007676498,1.2457682447899547,1.2671495340284704,1.282038559590879,1.3489751599430224,1.3158982743778898,null,null,1.1342912197418353,1.169472818964802,1.2671495340284704]
[]
["Return on equity before tax",0.20544353674390683,0.23110587892627429,-2.5662342182367457,-0.11104149449419276,null,0.13305965552710772,0.21357443165013312,-8.0514776123025413,-0.37698696187997194,null,null,0.13305965552710772,0.21357443165013312,0.16113530186220804,0.2775829938216578,0.35780012603767369,0.20274112976352485,0.2262099251716117,0.14829254908852296,0.17681242649400319,0.36023698193368781,0.19156957510813222,0.37746884572095724,0.125,0.17100000000000001,0.222,0.19800000000000001,null,null,0.23121217661562907,0.28189439388393228,0.12507713099326909]
["Return on equity after tax",0.17509378417583818,0.19324729665332271,-1.8153512477484535,-9.3939282938850899E-2,null,0.11044213130219203,0.1839977730665365,-7.3555641764344468,-0.3997637609328325,null,null,0.11044213130219203,0.1839977730665365,0.1359987959379641,0.23889657497556577,0.29144279513448013,0.17280825507720748,0.19120738822216071,0.12612161003443831,0.14360026250789309,0.30549470467887485,0.13979732259596886,0.32601866293863202,0.1,0.13600000000000001,0.17899999999999999,0.155,null,null,0.19333618119924489,0.24541129474639037,0.10005094852861458]
["Cost/income ratio",0.57573517522888107,0.61124162494502354,-3.5506449716142474,-5.8089057202764915E-2,null,0.62777265051725806,0.56988257482819971,5.7890075689058351,0.10158246320570563,null,null,0.62777265051725806,0.56988257482819971,0.54700746128204136,0.55956138761438468,0.57159573311066558,0.59574890452591722,0.62612728845780519,0.65896468572448985,0.65458343176099087,0.58322422312398237,0.57468487875463059,0.63102907961729893,0.52585351919497048,0.62788739601033372,0.58781356720185041,0.56432524834201292,null,null,0.61124162494502365,0.60999842315105168,0.57457287906703391]
["Net interest margin (avg. assets)",4.8677125087670373E-2,4.3006227699937713E-2,0.56708973877326596,0.13186223696018029,null,4.863209361111074E-2,4.528700499553856E-2,0.33450886155721793,7.3864204883977713E-2,null,null,4.863209361111074E-2,4.528700499553856E-2,4.9599249462202573E-2,5.0774104974264218E-2,4.3006227699937713E-2,4.5787552550415708E-2,4.2272291347195706E-2,3.845095591218245E-2,3.8548345408344349E-2,4.2508336922091987E-2,null,null,null,null,null,null,null,null,4.3006227699937713E-2]
["Net interest margin (avg. interest bearing assets)",5.0836774091262471E-2,4.5073924710494734E-2,0.57628493807677372,0.12785328585833011,null,5.0696433800149536E-2,4.7049131325620837E-2,0.36473024745286992,7.7521143786613234E-2,null,null,5.0696433800149536E-2,4.7049131325620816E-2,5.1978710849040162E-2,5.3137835276187012E-2,4.7920585096516498E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.2933769937751564E-2,1.4172839843596505E-2,0.87609300941550594,0.61814923408687039,null,2.3765181899243766E-2,2.3649658239186775E-2,1.1552366005699102E-2,4.884791944501421E-3,null,null,2.3765181899243766E-2,2.3649658239186775E-2,2.030879830670217E-2,2.5062177053508758E-2,1.4172839843596505E-2,1.6198967073036346E-2,1.6279152345671961E-2,1.5568401762194584E-2,1.9583813543751608E-2,1.8458543806665208E-2,1.6722631251958713E-2,1.5371889668196127E-2,6.1110676520353673E-2,3.7706438106632892E-2,2.70643200076001E-2,null,null,null,1.5779315241243735E-2,1.720113438251249E-2]
[]
["NPL ratio",9.9357589051490225E-2,9.2558833795149745E-2,0.67987552563404807,7.345333748896854E-2,null,9.9357589051490225E-2,0.10321592037858811,-0.38583313270978831,-3.7381164775218911E-2,null,null,9.9357589051490225E-2,0.10321592037858811,0.10309631075701881,9.9347223508056109E-2,9.2558833795149745E-2,9.1816404685330935E-2,9.343356752691534E-2,8.7670587000956937E-2,9.3954567090215102E-2,8.5561160939602934E-2,null,null,null,null,null,null,null,null,9.2558833795149745E-2]
["NPL coverage ratio",0.69521236201525971,0.70577733009511878,-1.0564968079859072,-1.4969265275827426E-2,null,0.69521236201525971,0.72358990874252749,-2.8377546727267777,-3.9217720402683565E-2,null,null,0.69521236201525971,0.72358990874252749,0.6834867828093002,0.68892006064662004,0.70577733009511878,0.7104778830901668,0.71146882373024023,0.71867111957690277,0.7639035660379736,0.78565595671880994,null,null,null,null,null,null,null,null,0.70577733009511878]
[]
["Number of employees",5486,6030,-544,-9.0215588723051354E-2,null,5486,5660,-174,-3.0742049469964616E-2,null,null,5486,5660,5821,5880,6030,6065,6054,6154,6219,6096,6005,6039,6235,6404,6612,6762,null,null,6030,6219,6235]
["Business outlets",527,551,-24,-4.3557168784029043E-2,null,527,530,-3,-5.6603773584905648E-3,null,null,527,530,541,540,551,544,544,545,543,542,542,542,563,562,562,562,null,null,551,543,563]
["Number of customers",1974315,1913601,60714,3.17276171991967E-2,null,1974315,1955123,19192,9.8162621993602706E-3,null,null,1974315,1955123,1961283,1932098,1913601,1956099,1939762,1905035,1903304,1888234,1902620,1899730,1913494,1931240,1977251,1983059,null,null,1913601,1903304,1913494]
[]
["Back to Contents"]

{"sheet":"RU","index":26,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29],[0,2,0,4]]}
["Russia",null,"Note: Some country figures for Russia may deviate slightly from segment Russia due to allocations in segment reporting",null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",748.68000351399996,590.10064702099999,158.57935649299998,0.26873272770256196,null,197.82328673299989,188.84829704300009,8.9749896899998021,4.7524864298650327E-2,null,null,197.82328673299989,188.84829704300009,177.74519278599999,184.263226952,158.56033449599997,152.53549463700003,143.088404193,135.91641369499999,125.92368661400005,124.81586045799997,137.27116500000002,119.153426,127.02067200000002,149.87773099999995,164.08247900000001,209.39912200000001,null,null,590.10064702099999,507.16413807200001,650.38000399999999]
["Net fee and commission income",285.13364926700001,237.69206121900001,47.441588048,0.19959264859203363,null,74.15005395899999,76.253559401000018,-2.1035054420000279,-2.7585668898918891E-2,null,null,74.15005395899999,76.253559401000018,71.325128655,63.404907251999994,63.924507774000006,64.292676625000013,57.397971769999998,52.076905049999993,58.745448116000013,52.857166205000006,55.427062999999997,47.046163,56.780653999999991,50.794432999999991,48.434953999999998,50.522629000000002,null,null,237.69206121900001,214.07584032100002,206.53267]
["Net trading income",69.312842982999996,38.155027347000001,31.157815635999995,0.8166110157027533,null,4.5925439039999887,8.7139065630000019,-4.1213626590000132,-0.47296383421181887,null,null,4.5925439039999887,8.7139065630000019,14.670470247000001,41.335922269000001,0.690828345000007,-22.259060385000005,28.080477490999996,31.642781896000002,15.695887507999991,17.620907998000007,7.2698279999999968,33.794234000000003,0.99137599999999892,5.4279730000000015,8.1293729999999975,-27.850774999999999,null,null,38.155027347000001,74.380857505999998,-13.302053000000001]
["Other net operating income",-4.8566846469999998,-13.576326933000001,8.7196422860000009,-0.64226814285130041,null,-12.483906101999997,5.3176171539999997,-17.801523255999996,"–",null,null,-12.483906101999997,5.3176171539999997,2.4962270210000002,-0.18662271999999999,-9.7261595750000005,-2.0855200790000006,0.83300923399999993,-2.597656513,-14.022810292999999,-4.6883542880000011,-6.2541669999999998,-0.63527599999999995,-9.1050980000000017,-11.192206000000001,2.2018810000000002,-0.6915,null,null,-13.576326933000001,-25.600607581000002,-18.786923000000002]
["Operating income",1098.269811117,852.37140865399999,245.89840246300002,0.28848738937795204,null,264.08197849399983,279.1333801610001,-15.051401667000277,-5.3921898048591821E-2,null,null,264.08197849399983,279.1333801610001,266.23701870899998,288.81743375299999,213.44951104000012,192.48359079799997,229.39986268800001,217.03844412799998,186.34221194500006,190.60558037299998,193.71388900000002,199.35854700000002,175.68760400000002,194.90793099999996,222.84868699999998,231.37947600000004,null,null,852.37140865399999,770.02022831800002,824.82369799999992]
["General administrative expenses",-510.96902203399992,-487.69508038399999,-23.273941649999927,4.7722321971496173E-2,null,-150.64041051399991,-122.315528282,-28.324882231999908,0.23157225112658253,null,null,-150.64041051399991,-122.315528282,-116.089257038,-121.92382619999998,-152.55951002999998,-113.23300985500003,-109.22848945699999,-112.67407104200001,-113.76725929400004,-102.94397937600002,-102.77986300000001,-95.472881999999998,-91.315879000000024,-80.940573000000001,-92.673370000000006,-99.70891499999999,null,null,-487.69508038399999,-414.96398367000006,-364.63873699999999]
["Staff expenses",-263.98799738999998,-235.161342139,-28.826655250999977,0.12258245759611719,null,-73.132289799999967,-64.865792488000011,-8.2664973119999559,0.12744001105866753,null,null,-73.132289799999967,-64.865792488000011,-60.939592308999998,-65.050322792999992,-66.018339604999994,-55.352901508999985,-54.813079943000012,-58.977021082,-48.651650110000027,-47.469256462999986,-47.442065000000007,-49.222209999999997,-38.652149000000016,-32.643223000000013,-47.139682999999998,-43.528106999999999,null,null,-235.161342139,0,-161.96316200000001]
["Other administrative expenses",-196.35276051299999,-183.84234495499999,-12.510415558000005,6.8049695303126434E-2,null,-63.550181959999996,-44.910923101000002,-18.639258858999995,0.41502729340660038,null,null,-63.550181959999996,-44.910923101000002,-43.052917770000001,-44.838737681999994,-56.289209566000004,-43.065587283000006,-42.472986964000008,-42.014561141999998,-47.454226288000044,-41.170715902999987,-42.714595000000003,-35.367069000000001,-43.567545999999993,-40.357999000000007,-37.680567999999994,-48.411293000000001,null,null,-183.84234495500002,0,-170.01740599999999]
["Depreciation on intangible and tangible fixed ass.",-50.628264131000002,-68.691393289999993,18.063129158999992,-0.26296058783873288,null,-13.957938754000004,-12.538812692999997,-1.4191260610000072,0.11317866338271876,null,null,-13.957938754000004,-12.538812692999997,-12.096746959000001,-12.034765725,-30.251960859000004,-14.814521063000001,-11.94242255,-11.682488817999999,-17.661382896000006,-14.304007009999996,-12.623203,-10.883603000000001,-9.0961839999999992,-7.9393510000000003,-7.8531189999999995,-7.7695150000000002,null,null,-68.691393290000008,0,-32.658169000000001]
["Operating result",587.30078908300015,364.67632827,222.6244608130001,0.61047137846625699,null,113.44156797999992,156.8178518790001,-43.376283899000185,-0.27660297204216977,null,null,113.44156797999992,156.8178518790001,150.14776167099998,166.89360755300001,60.890001010000077,79.250580942999903,120.17137323100002,104.36437308599997,72.574952651000018,87.661600996999965,90.934026000000017,103.88566500000002,84.371724999999998,113.96735799999996,130.17531699999998,131.67056100000005,null,null,364.67632827,355.05624464799996,460.18496099999993]
["Net provisioning for impairment losses",15.946202634,42.061744877999999,-26.115542243999997,-0.62088585054538448,null,2.4889070650000003,-1.3673850680000001,3.8562921330000002,"–",null,null,2.4889070650000003,-1.3673850680000001,14.25906414,0.56561649699999994,63.034776031999989,-16.690009598999996,-2.4923602059999999,-1.7906613489999998,5.6677232020000048,-16.083197143999996,-29.510203000000004,-37.003005999999999,-34.944793999999987,-35.492076999999981,-141.85702600000002,-109.855081,null,null,42.061744877999999,-76.928682941999995,-322.148978]
["Other results",-4.7199495249999996,26.900587737999999,-31.620537262999999,"–",null,-2.5365956720000007,-2.5452956399999991,8.6999679999983925E-3,-3.4180579510199038E-3,null,null,-2.5365956720000007,-2.5452956399999991,10.263688311999999,-9.9017465250000001,23.216612811999994,18.047280470000004,-6.1586745140000012,-8.2046310299999998,4.648261788000001,-1.2255418660000021,-5.5621349999999978,-6.0547649999999997,4.6779520000000012,-9.1060149999999993,21.072232,-1.9254729999999998,null,null,26.900587737999999,-11.194180077999999,14.718696000000001]
["Net income from derivatives",-8.9689090799999995,0,-8.9689090799999995,"–",null,-4.2394268949999994,-17.130310835,12.89088394,-0.75251897435870441,null,null,-4.2394268949999994,-17.130310835,12.400828649999999,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",4.2489595549999999,26.969910176999999,-22.720950622,-0.84245555409288975,null,1.7028312229999987,14.585015195,-12.882183972000002,-0.8832478951695738,null,null,1.7028312229999987,14.585015195,-2.137140338,-9.9017465250000001,23.216197944999998,18.117017776000001,-6.1586745140000012,-8.2046310299999998,4.648261788000001,-1.2255418660000021,-5.5621349999999978,-9.0547649999999997,4.6779520000000012,-9.1060149999999993,21.072232,-1.9254729999999998,null,null,26.969910176999999,-11.194180077999999,14.718696000000001]
["Net income from disposal from group assets",0,-6.9322439E-2,6.9322439E-2,"–",null,0,0,0,"–",null,null,0,0,0,0,4.1486699999999932E-4,-6.9737305999999999E-2,0,0,0,0,0,3,0,0,0,0,null,null,-6.9322439E-2,0,0]
["Profit before tax",598.52704219199995,433.63866088600003,164.88838130599993,0.38024372865902678,null,113.39387937299998,152.90517117099998,-39.511291798000002,-0.25840389501158822,null,null,113.39387937299998,152.90517117099998,174.670514123,157.557477525,147.14138985399995,80.607851814000028,111.52033851099999,94.369080707000009,82.890937641000008,70.352863986999992,55.861685000000008,57.827894999999998,54.104884000000013,69.369266999999994,9.3905240000000028,19.890004999999999,null,null,433.63866088599997,266.93338162800001,152.75468000000001]
["Income taxes",-125.663952962,-112.12852841900001,-13.535424542999991,0.12071347705929969,null,-23.069158172000002,-25.634427688999992,2.5652695169999902,-0.10007126151292134,null,null,-23.069158172000002,-25.634427688999992,-39.306930027,-37.653437074000003,-35.696598986000012,-26.648200341999996,-25.840064036999998,-23.943665054,-7.2888773140000058,-16.585918274999997,-15.199299999999999,-14.140972,-1.5350629999999983,-20.939159,0.32907200000000003,-6.325043,null,null,-112.12852841900001,-53.215067589,-28.470192999999998]
["Profit after tax",472.86308923000001,321.51013246700001,151.35295676300001,0.47075641318562478,null,90.324721201000003,127.27074348200001,-36.946022281000012,-0.2902946998673368,null,null,90.324721201000003,127.27074348200001,135.36358409600001,119.904040451,111.44479086800006,53.95965147199999,85.680274474000001,70.425415653000002,75.602060327000004,53.766945712000002,40.662384999999993,43.686923,52.569821000000012,48.43010799999999,9.719596000000001,13.564962,null,null,321.51013246700001,213.71831403900001,124.284487]
[]
["Total assets",15635.30659896,14476,1159.30659896,8.0084733279911502E-2,null,15635.30659896,15442.539107590001,192.76749136999933,1.2482888340250575E-2,null,null,15635.30659896,15442.539107590001,17040.531984706999,15195.326218733999,14476.135554517994,13974.532820072009,13196.323885977001,12464.461278886998,12442.250413117001,12012.245658347994,13015.879969,12342.869386,11680.852542000001,12335.137267,12476.178395000001,14125.837563999999,null,null,14476.135554517994,12442.250413117001,11680.852542000001]
["Loans and advances to customers",9668.5162179899999,9072.5821045430002,595.93411344699962,6.568517171628474E-2,null,9668.5162179899999,9112.906641222,555.6095767679999,6.0969523626491995E-2,null,null,9668.5162179899999,9112.906641222,9491.9046501440007,9485.4541599370004,9072.5821045430021,9219.0001285369981,8337.0141027970003,7733.7962999870006,7601.4233217760002,6999.6974917520001,7134.6105779999998,6519.8638250000004,6368.2494479999996,6684.8664319999998,7511.4141019999997,8420.7968070000006,null,null,9072.5821045430021,7601.4233217760002,6368.2494479999996]
["  Hereof corporate %",0.64080247682270997,0.70193953606591819,-6.113705924320822,-8.7097329758423658E-2,null,0.64080247682270997,0.64517458589229537,-0.43721090695854059,-6.7766294041768926E-3,null,null,0.64080247682270997,0.64517458589229537,0.685989798675819,0.69585936529764414,0.70193953606591819,0.7248541056513722,0.71081252832249053,0.71885319964477989,0.72546640280379082,0.71152617750533753,0.69799999999999995,0.68300000000000005,0.68600000000000005,0.68100000000000005,0.68899999999999995,0.7,null,null,0.70193953606591819,0.72546640280379082,0.68600000000000005]
["  Hereof retail %",0.35900049190589334,0.29741654580801807,6.1583946097875266,0.207062945777158,null,0.35900049190589334,0.3546746389489106,0.43258529569827342,1.2196679666193644E-2,null,null,0.35900049190589334,0.3546746389489106,0.31376904846814208,0.3035120933589473,0.29741654580801807,0.2721477383664172,0.28472712172487658,0.27537382677277755,0.26948993629219159,0.28383726615915755,0.3,0.316,0.313,0.318,0.31,0.29899999999999999,null,null,0.29741654580801807,0.26948993629219159,0.313]
["  Hereof FCY %",0.4416974542643744,0.4851258384089,-4.3428384144525598,-8.9519833218862588E-2,null,0.4416974542643744,0.47418383290060212,-3.248637863622772,-6.8510093306022646E-2,null,null,0.4416974542643744,0.47418383290060212,0.5273368396008975,0.46652631760010399,0.4851258384089,0.47742097175764631,0.43500214288749961,0.42360877800796309,0.44654716048716675,0.44163379969528616,0.438,0.441,0.47499999999999998,0.46899999999999997,0.47499999999999998,0.5,null,null,0.48512583840889933,0.44654716048716675,0.47499999999999998]
["Deposits from customers",9608.885433169,9319.5841325519996,289.30130061700038,3.1042297220807535E-2,null,9608.885433169,10087.509997583,-478.62456441399991,-4.7447245606564992E-2,null,null,9608.885433169,10087.509997583,10624.713144937001,10063.535008271001,9319.5841325519996,9269.5607363099989,8282.5927365590014,7362.1671086749993,6764.0627249379995,6237.1661052770005,6495.2925450000002,6187.0411869999998,5799.4198839999999,5639.3028469999999,5361.046096,5446.4859310000002,null,null,9319.5841325519996,6764.0627249379995,5799.4198839999999]
["Loan/deposit ratio",1.0062057962118229,0.97349645386576278,3.2709342346060155,3.3599857725388871E-2,null,1.0062057962118229,0.90338514097190303,10.28206552399199,0.11381707599186397,null,null,1.0062057962118229,0.90338514097190303,0.89337985135788656,0.94255688007654481,0.97349645386576278,0.99454552279106945,1.0065705713137125,1.0504782336269034,1.1237955103152413,1.1222560652713505,1.0984279042969571,1.0537935061268568,1.0980838731076088,1.1854065322198859,1.4011097773631229,1.5460972292374771,null,null,0.97349645386576278,1.1237955103152413,1.0980838731076088]
[]
["Return on equity before tax",0.31936723831756803,0.36863469119608194,-4.926745287851392,-0.13364844398843589,null,0.22786124865710877,0.31148627404852475,-8.3625025391415981,-0.268470980452861,null,null,0.22786124865710877,0.31148627404852475,0.35184861597284028,0.31737686627695949,0.55428296331842764,0.18542507380531906,0.23975176210786364,0.1978299672480788,0.19892562649407278,0.16343628477584562,0.12541696427355173,0.13675832780870353,0.14688142439740151,0.19093627256310997,2.5992681772300019E-2,5.2854299638763209E-2,null,null,0.36863469119608194,0.16776439952740066,9.9581376662556759E-2]
["Return on equity after tax",0.25231437890696756,0.27331462595200162,-2.1000247045034062,-7.6835430858800957E-2,null,0.18150453861591503,0.25926585333245072,-7.776131471653569,-0.29992887114534172,null,null,0.18150453861591503,0.25926585333245072,0.27267046161988345,0.241529435543584,0.41981354797593196,0.12412528223419464,0.1841995555008176,0.14763583122445181,0.18143343099731554,0.12490564495764719,9.129250016039446E-2,0.10331606461877249,0.14271410671163123,0.13330203274814553,2.6903542952802222E-2,3.6046575460209118E-2,null,null,0.27331462595200162,0.13431937363580881,8.1021545875122378E-2]
["Cost/income ratio",0.46524908256771319,0.57216264580499121,-10.691356323727803,-0.1868586913549003,null,0.57043048288667142,0.43819742451243265,13.223305837423876,0.30176594150768921,null,null,0.57043048288667142,0.43819742451243265,0.43603724831702251,0.42214842994647839,0.71473347156747791,0.58827357379170708,0.47614888769815195,0.51914337800703025,0.61052865105829635,0.54008901090171035,0.53057560059619679,0.47890037039645955,0.51976278872811088,0.41527593353807657,0.4158578237438752,0.43093240906120805,null,null,0.57216264580499121,0.53890010730812876,0.44208082028215445]
["Net interest margin (avg. assets)",4.8282210223082739E-2,4.4683582556600522E-2,0.3598627666482217,8.0535791012814384E-2,null,5.092329464556327E-2,4.6509961205677595E-2,0.44133334398856749,9.4890069255678666E-2,null,null,5.092329464556327E-2,4.6509961205677595E-2,4.4111173752967227E-2,4.9680930008809542E-2,4.4683582556600522E-2,4.4911500962144121E-2,4.4609205298651151E-2,4.3656156742243685E-2,4.1194449068508276E-2,3.9896191130386484E-2,null,null,null,null,null,null,null,null,4.4683582556600522E-2]
["Net interest margin (avg. interest bearing assets)",5.2866650643558007E-2,5.1801267346272231E-2,0.10653832972857755,2.056674193247221E-2,null,5.4499141070749317E-2,4.9733873811015759E-2,0.47652672597335577,9.5815324537982693E-2,null,null,5.4499141070749317E-2,4.9733873811015759E-2,4.8343605602918213E-2,5.7070306921884334E-2,5.1606403287538329E-2]
["Provisioning ratio (avg. loans and advances to customers)",-1.7017361906508316E-3,-4.3199410076951543E-3,0.26182048170443228,-0.60607420619413277,null,-1.0601569790136447E-3,5.879705186301211E-4,-0.16481274976437657,"–",null,null,-1.0601569790136447E-3,5.879705186301211E-4,-6.0109794129730694E-3,-2.4382601216599078E-4,-4.3199410076951543E-3,7.605375288070408E-3,1.2406892464206982E-3,9.3414317794772504E-4,-3.1053633618311469E-3,9.1030686834504184E-3,1.7289689594213231E-2,2.2968765228045959E-2,2.1416982318247825E-2,2.0000775225593317E-2,7.1230302842584595E-2,null,null,null,-5.0451878600936331E-3,1.1013669999262772E-2]
[]
["NPL ratio",5.0493144138459248E-2,5.7768818618632985E-2,-0.72756744801737372,-0.12594466451192088,null,5.0493144138459248E-2,5.7970427416686489E-2,-0.74772832782272414,-0.12898444278288934,null,null,5.0493144138459248E-2,5.7970427416686489E-2,5.7230568681677432E-2,5.971879010206109E-2,5.7768818618632985E-2,5.9023270790034249E-2,7.1809966568144298E-2,8.3869280919094916E-2,8.7932977847855212E-2,0.1007249844994616,null,null,null,null,null,null,null,null,5.7768818618632985E-2]
["NPL coverage ratio",0.99967306893992125,1.0015914691783165,-0.19184002383952903,-1.9153520146982794E-3,null,0.99967306893992125,0.97101587622737895,2.8657192712542301,2.9512589252280952E-2,null,null,0.99967306893992125,0.97101587622737895,0.96299671638805096,0.97589961275560566,1.0015914691783165,1.0725837010617176,1.0351350762459182,0.98740617824202492,0.94286491920121085,0.88254709308408896,null,null,null,null,null,null,null,null,1.0015914691783165]
[]
["Number of employees",8155,8475,-320,-3.775811209439528E-2,null,8155,8018,137,1.7086555250686031E-2,null,null,8155,8018,8015,8257,8475,8697,8628,8638,8618,8487,8375,8386,8608,8875,9185,9900,null,null,8475,8618,8608]
["Business outlets",186,191,-5,-2.6178010471204161E-2,null,186,193,-7,-3.6269430051813489E-2,null,null,186,193,193,192,191,192,190,196,198,199,202,210,215,223,229,235,null,null,191,198,215]
["Number of customers",2288175,2135551,152624,7.1468206565893366E-2,null,2288175,2216261,71914,3.2448344306018173E-2,null,null,2288175,2216261,2283450,2379581,2135551,2032056,1950246,1839731,1860036,1819589,1879455,1874761,1795647,1808058,1793262,1686361,null,null,2135551,1860036,1795647]
[]
["Back to Contents"]

{"sheet":"CIS-BY","index":27,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Belarus",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",64.714003066999993,67.629502071999994,-2.9154990050000009,-4.3109869445676074E-2,null,15.146968118999995,16.754231470999997,-1.6072633520000021,-9.5931786234541683E-2,null,null,15.146968118999995,16.754231470999997,17.587581337,15.225222140000001,6.4438462049999927,19.240457523000003,20.584556638999999,21.360641704999999,22.809045540000003,20.375424928999994,21.671351999999995,20.305603000000001,19.613546000000003,18.757971000000001,17.246122000000003,18.897592,null,null,67.629502071999994,85.161425468999994,74.515231]
["Net fee and commission income",59.772862801999999,44.736609733000002,15.036253068999997,0.3361062261700285,null,16.004381846000001,15.827935386999997,0.17644645900000455,1.1147787420520139E-2,null,null,16.004381846000001,15.827935386999997,15.556576153,12.383969415999999,8.3738654370000045,11.824759256999995,10.765635730000001,13.772349309000001,16.184465028000005,14.469626465999996,13.829157,11.931944,13.687804999999996,12.093154000000004,11.194035999999999,13.178008,null,null,44.736609733000002,56.415192494000003,50.153002999999998]
["Net trading income",-26.077228526999999,-5.62454228,-20.452686246999999,3.6363290075579267,null,-15.997345419999998,-1.9744177780000003,-14.022927641999999,">500,0%",null,null,-15.997345419999998,-1.9744177780000003,-2.8678306290000002,-5.2376347000000001,-52.297439345999997,5.8818435879999935,36.115231810000004,4.6758216679999993,1.4555969329999994,4.1217001440000001,-0.70059800000000028,2.9420920000000002,1.817577,-0.33242300000000213,0.63969799999999921,22.128755000000002,null,null,-5.62454228,7.8187910769999993,24.253606999999999]
["Other net operating income",-3.4150260929999998,-1.394725105,-2.0203009879999998,1.4485298792983294,null,-2.421382758,-0.24733597800000007,-2.1740467799999998,">500,0%",null,null,-2.421382758,-0.24733597800000007,-0.48162662099999998,-0.26468073599999997,-1.313972881,0.12411035299999999,-4.6650422999999969E-2,-0.15821215400000002,-0.71195027599999994,0.16022766799999999,2.0516E-2,-1.3502999999999999E-2,-0.81123100000000004,-0.30501800000000001,0.18993700000000002,0.579542,null,null,-1.394725105,-0.54470960800000001,-0.34677000000000002]
["Operating income",94.994611248999988,105.34684442,-10.352233171000009,-9.8268089832168171E-2,null,12.732621786999996,30.360413101999995,-17.627791315,-0.58061763704522074,null,null,12.732621786999996,30.360413101999995,29.794700239999997,22.106876119999999,-38.793700584999982,37.071170720999987,67.418773755999993,39.650600527999998,39.737157225000004,39.126979206999991,34.820426999999995,35.166136000000002,34.307696999999997,30.213684000000001,29.269793000000004,54.78389700000001,null,null,105.34684442,148.85069943199997,148.57507100000001]
["General administrative expenses",-67.346908556999992,-54.178602118000001,-13.168306438999991,0.24305363970668092,null,-19.110886462000003,-17.157382345999995,-1.9535041160000084,0.11385793453833237,null,null,-19.110886462000003,-17.157382345999995,-16.970496598,-14.108143151,-11.179806971999994,-13.578498507000006,-12.772770227999999,-16.647526411000001,-18.243176313999996,-15.938104029000009,-15.711020999999995,-15.388497000000001,-15.60527699999999,-12.680846000000006,-13.140079,-14.006764,null,null,-54.178602118000001,-65.280798343000001,-55.432966]
["Staff expenses",-30.217999545000001,-24.533940461,-5.6840590840000011,0.23168145749092273,null,-9.3378208800000024,-7.5211179249999986,-1.8167029550000038,0.24154693133600924,null,null,-9.3378208800000024,-7.5211179249999986,-7.165855606,-6.1932051339999994,-4.2489880230000008,-6.4284295740000008,-5.7577735880000009,-8.0987492759999995,-8.9766622460000001,-7.4074936180000028,-7.7157419999999997,-7.2124449999999998,-6.8787059999999967,-6.0883790000000024,-6.3470079999999998,-6.9234739999999997,null,null,-24.533940461,0,-26.237566999999999]
["Other administrative expenses",-28.589210575999999,-23.313251491999999,-5.2759590840000001,0.22630730362988882,null,-7.5845338140000003,-7.3961835879999995,-0.18835022600000073,2.5465866789135871E-2,null,null,-7.5845338140000003,-7.3961835879999995,-7.5693964999999999,-6.0390966739999996,-4.0268801549999971,-6.227333938000001,-6.0085307940000003,-7.0505066050000007,-7.7346148500000025,-7.1703836449999985,-6.6614829999999996,-6.9505229999999996,-7.2561579999999983,-5.2135710000000008,-5.4324640000000004,-5.6635590000000002,null,null,-23.313251491999999,0,-23.565752]
["Depreciation on intangible and tangible fixed ass.",-8.5396984360000001,-6.3314101650000003,-2.2082882709999998,0.34878300622622826,null,-2.1885317679999998,-2.2400808329999995,5.1549064999999672E-2,-2.3012145026464648E-2,null,null,-2.1885317679999998,-2.2400808329999995,-2.2352444920000001,-1.875841343,-2.9039387940000001,-0.92273499499999945,-1.0064658460000002,-1.4982705300000001,-1.5318992180000006,-1.360226766,-1.3337959999999998,-1.2255290000000001,-1.4704130000000011,-1.3788959999999997,-1.3606069999999999,-1.4197310000000001,null,null,-6.3314101650000003,0,-5.6296470000000003]
["Operating result",27.647702691999996,51.168242301999996,-23.52053961,-0.45967065804565777,null,-6.3782646750000076,13.203030756,-19.581295431000008,"–",null,null,-6.3782646750000076,13.203030756,12.824203641999997,7.9987329689999989,-49.973507556999976,23.492672213999981,54.646003527999994,23.003074116999997,21.493980911000008,23.188875177999982,19.109406,19.777639000000001,18.702420000000007,17.532837999999995,16.129714000000003,40.777133000000006,null,null,51.168242301999996,83.56990108899997,93.142105000000015]
["Net provisioning for impairment losses",18.337715506999999,-18.421389459,36.759104965999995,"–",null,20.244956714999997,-0.95302038300000003,21.197977097999996,"–",null,null,20.244956714999997,-0.95302038300000003,1.6059262000000001E-2,-0.97028008700000001,2.262125143999997,-11.712786810999997,3.1570552440000004,-12.127783036,-6.3282851959999995,1.0927272350000008,-3.0990380000000002,-4.198556,-4.7583099999999989,-5.2046570000000001,-5.0501060000000004,-0.74780000000000002,null,null,-18.421389459,-12.533151961,-15.760873]
["Other results",1.4786126E-2,0.39535987900000003,-0.38057375300000001,-0.96260084347101893,null,9.2424000000000672E-5,1.6189699999999939E-4,-6.9472999999998716E-5,-0.42911851362285269,null,null,9.2424000000000672E-5,1.6189699999999939E-4,1.076444E-3,1.3455361000000001E-2,0.39535987900000003,0,0,0,9.4892593999999997E-2,-4.9999999999999521E-9,0,5.0000000000000004E-6,0,0,0,0,null,null,0.39535987900000003,9.4897589000000004E-2,0]
["Net income from derivatives",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",1.4786126E-2,0.39535987900000003,-0.38057375300000001,-0.96260084347101893,null,9.2424000000000672E-5,1.6189699999999939E-4,-6.9472999999998716E-5,-0.42911851362285269,null,null,9.2424000000000672E-5,1.6189699999999939E-4,1.076444E-3,1.3455361000000001E-2,0.39535987900000003,0,0,0,9.4892593999999997E-2,-4.9999999999999521E-9,0,5.0000000000000004E-6,0,0,0,0,null,null,0.39535987900000003,9.4897589000000004E-2,0]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",46.000204324999999,33.142212721999996,12.857991603000002,0.38796418666593113,null,13.866784464,12.250172270000002,1.6166121939999982,0.1319664865414989,null,null,13.866784464,12.250172270000002,12.841339348,7.041908243,-47.316022533999998,11.779885402999994,57.803058772,10.875291081,15.26058830899999,24.281602408000005,16.010368,15.579088,13.944111000000007,12.328179999999996,11.079608,40.029333000000001,null,null,33.142212721999996,71.131646716999995,77.381231999999997]
["Income taxes",-20.205849309000001,-27.553240886000001,7.3473915769999998,-0.26666161005884659,null,-7.749191629000002,-4.2741334579999997,-3.4750581710000024,0.81304390823259198,null,null,-7.749191629000002,-4.2741334579999997,-5.0358447740000001,-3.146679448,-8.0311986990000008,-4.9376783979999992,-12.132699084,-2.4516647050000002,-3.5681633599999989,-7.2621460420000004,-4.7472240000000001,-4.9125079999999999,-1.7105780000000017,-4.9436649999999993,-3.9566489999999988,-11.098223000000001,null,null,-27.553240886000001,-20.490041401999999,-21.709115000000001]
["Profit after tax",25.794355016000001,5.5889718359999998,20.205383180000002,3.6152236534548177,null,6.1175928349999982,7.9760388120000005,-1.8584459770000024,-0.23300362759067306,null,null,6.1175928349999982,7.9760388120000005,7.8054945739999999,3.895228795,-55.347221232999999,6.8422070049999935,45.670359688000005,8.4236263759999996,11.692424949000007,17.019456365999993,11.263144,10.66658,12.233533000000001,7.3845150000000004,7.122957999999997,28.931111000000001,null,null,5.5889718359999998,50.641605315,55.672117]
[]
["Total assets",1354.6681545460001,1222.6145167879999,132.05363775800015,0.10800921790535067,null,1354.6681545460001,1330.920981966,23.747172580000097,1.784266151167091E-2,null,null,1354.6681545460001,1330.920981966,1314.242109196,1214.2176131870001,1222.6145167880002,1346.964928503,1282.3568308189999,1565.6187821870001,1512.2080623689999,1326.7454419760002,1320.930057,1241.9129009999999,1224.443927,1169.977883,1346.478431,1477.578321,null,null,1222.6145167880002,1512.2080623689999,1224.443927]
["Loans and advances to customers",868.95315495900002,771.91273973900002,97.04041522,0.12571422937366128,null,868.95315495900002,788.67555809199996,80.277596867000057,0.10178785946050017,null,null,868.95315495900002,788.67555809199996,794.56565588499996,767.18146203900005,771.91273973900002,874.47414494700001,910.74306254800001,1156.3706277869999,1096.2929575610001,1004.07471637,1044.4349010000001,931.96029099999998,918.52390100000002,917.21500400000002,948.30346799999995,1069.1114689999999,null,null,771.91273973900002,1096.2929575610001,918.52390100000002]
["  Hereof corporate %",0.7379236851705443,0.72242597287518151,1.5497712295362787,2.1452318821931993E-2,null,0.7379236851705443,0.72449776587597436,1.3425919294569932,1.8531346716213815E-2,null,null,0.7379236851705443,0.72449776587597436,0.74121218375817743,0.73848022826425574,0.72242597287518151,0.6587628677353472,0.63902769496993117,0.55235906123553768,0.53412180867705983,0.54654598014773437,0.49199999999999999,0.47799999999999998,0.48799999999999999,0.49399999999999999,0.47599999999999998,0.47899999999999998,null,null,0.72242597287518151,0.53412180867705983,0.48799999999999999]
["  Hereof retail %",0.2620763148294557,0.27757273164203738,-1.5496416812581681,-5.582831109132913E-2,null,0.2620763148294557,0.27550223412402558,-1.3425919294569877,-4.8732524210768458E-2,null,null,0.2620763148294557,0.27550223412402558,0.25878655769313058,0.26151977173574426,0.27757273164203738,0.3412371322646528,0.36097230503006883,0.44764093876446226,0.46587819132294012,0.45345430233124395,0.503,0.51500000000000001,0.503,0.497,0.51600000000000001,0.51800000000000002,null,null,0.27757273164203738,0.46587819132294012,0.503]
["  Hereof FCY %",0.70914869976975348,0.66116540604390595,4.7983293725847531,7.2573811768156915E-2,null,0.70914869976975348,0.73411809718142829,-2.496939741167481,-3.4012780106555396E-2,null,null,0.70914869976975348,0.73411809718142829,0.74361507526008119,0.74121055856677198,0.66116540604390595,0.58362160042013811,0.59008849158450294,0.49265087361327781,0.5109473668846698,0.59894447115864879,0.58099999999999996,0.58799999999999997,0.626,0.65900000000000003,0.67100000000000004,0.66900000000000004,null,null,0.66116540604390617,0.5109473668846698,0.626]
["Deposits from customers",872.25389149800003,667.71975759700001,204.53413390100002,0.30631733084712143,null,872.25389149800003,850.13450367799999,22.119387820000043,2.6018692012032663E-2,null,null,872.25389149800003,850.13450367799999,799.07729917300003,718.13885389199993,667.71975759700001,753.82302254700005,746.02358419400002,909.55879441299999,854.30554040699997,739.87789281100004,726.18192899999997,617.79672900000003,623.23686399999997,552.03262500000005,528.65572399999996,566.37111800000002,null,null,667.71975759700001,854.30554040699997,623.23686399999997]
["Loan/deposit ratio",0.99621585346746766,1.1560429820393083,-15.982712857184067,-0.13825362123638252,null,0.99621585346746766,0.9277067977830501,6.8509055684417568,7.3847745697384504E-2,null,null,0.99621585346746766,0.9277067977830501,0.99435393385262061,1.0682912613364539,1.1560429820393083,1.1600523183708913,1.2207966099784393,1.2713533582326411,1.2832562891242807,1.3570816564815087,1.4382551524495457,1.5085225402674476,1.473795845619299,1.6615231826198678,1.7938015705661783,1.8876518152537571,null,null,1.1560429820393083,1.2832562891242807,1.473795845619299]
[]
["Return on equity before tax",0.25762468615322637,0.16600563499914553,9.1619051154080839,0.55190326011856428,null,0.29701988171806765,0.26482690151628857,3.2192980201779076,0.12156234890585305,null,null,0.29701988171806765,0.26482690151628857,0.28945130365020938,0.16537629424609221,"–",0.49304187761220675,1.6039319897150328,0.20754753581959309,0.34793871128547643,0.53046000940332572,0.34485627801458701,0.33550758511060363,0.39808000439414726,0.34603845193700838,0.29808244887700092,0.90366765940453497,null,null,0.16600563499914553,0.44868423931662382,0.45638133744520587]
["Return on equity after tax",0.14446158909581977,2.7994534535457877E-2,11.646705456036189,4.1603497430130414,null,0.13103590850267344,0.17242775027159835,-4.1391841768924911,-0.24005324957106289,null,null,0.13103590850267344,0.17242775027159835,0.17594041547004335,9.1477832588647542E-2,"–",0.28637753877448247,1.2672711867085253,0.16075918189060276,0.26658521848452921,0.37180993380294236,0.24260316306173149,0.2297129650457756,0.34924599140066681,0.20727521328416834,0.19163392458361558,0.65312378203610821,null,null,2.7994534535457877E-2,0.31943714517019661,0.32834467167524528]
["Cost/income ratio",0.70895504146514365,0.51428784997108323,19.466719149406043,0.37851796713650909,null,1.5009388311142811,0.56512348130301793,93.58153498112631,1.6559484444948787,null,null,1.5009388311142811,0.56512348130301793,0.56958104835089962,0.63817895728091689,"–",0.36628189083081986,0.18945420565237253,0.41985559334073758,0.45909616057090741,0.40734307508586326,0.45120127332154764,0.43759419573421432,0.45486227186861278,0.41970538912103555,0.44892968665682054,0.2556730128198072,null,null,0.51428784997108323,0.43856561367937996,0.37309735493917412]
["Net interest margin (avg. assets)",5.0269836474191212E-2,4.8796402484750666E-2,0.14734339894405465,3.0195545458520323E-2,null,4.5120730980235148E-2,5.067129970769399E-2,-0.55505687274588422,-0.10954068199312517,null,null,4.5120730980235148E-2,5.067129970769399E-2,5.5646783474721011E-2,4.9983655263626872E-2,4.8796402484750659E-2,5.8541203501731559E-2,5.7822283435280612E-2,5.5521360450234002E-2,6.4274516662822148E-2,6.1564719503973284E-2,null,null,null,null,null,null,null,null,4.8796402484750666E-2]
["Net interest margin (avg. interest bearing assets)",5.4632085531412349E-2,5.1673346104566691E-2,0.29587394268456579,5.7258522040711801E-2,null,4.9441028787080753E-2,5.524180895451327E-2,-0.58007801674325177,-0.10500706398316795,null,null,4.9441028787080753E-2,5.5241808954513305E-2,6.0311704890835142E-2,5.3898541050404175E-2,2.125587888065416E-2]
["Provisioning ratio (avg. loans and advances to customers)",-2.2351266567552177E-2,1.3744788014892283E-2,-3.6096054582444457,"–",null,-9.7705627590089286E-2,4.8155410538161733E-3,-10.252116864390546,"–",null,null,-9.7705627590089286E-2,4.8155410538161733E-3,-8.2263059445102806E-5,5.0433824564038157E-3,1.3744788014892283E-2,5.2487895643512285E-2,-1.2218216187183639E-2,4.307001938463511E-2,2.4103533012983864E-2,-4.2674038754200614E-3,1.254420376064141E-2,1.8151167216239588E-2,2.0736325790295319E-2,2.2319401616731887E-2,2.0026047819432798E-2,null,null,null,1.9720943454592042E-2,1.2440983812247121E-2]
[]
["NPL ratio",1.0932341917152285E-2,2.0162938372104762E-2,-0.92305964549524777,-0.45780016208961494,null,1.0932341917152285E-2,1.5275200145856024E-2,-0.43428582287037398,-0.28430777909524829,null,null,1.0932341917152285E-2,1.5275200145856024E-2,1.7544873600750823E-2,1.8610460114681694E-2,2.0162938372104762E-2,2.2208464495170461E-2,2.4168654042138152E-2,2.6283861664770789E-2,3.2262631768326382E-2,3.761956666176261E-2,null,null,null,null,null,null,null,null,2.0162938372104762E-2]
["NPL coverage ratio",3.6356689854082656,3.4102786897916983,22.539029561656719,6.6091459413932574E-2,null,3.6356689854082656,4.7036314643671293,-106.79624789588638,-0.22705062823253253,null,null,3.6356689854082656,4.7036314643671293,4.0112057241771026,3.8010902551549286,3.4102786897916983,2.6342200776922473,1.9295521151416122,1.6116129362334644,1.4648772416052613,1.2845869054967505,null,null,null,null,null,null,null,null,3.4102786897916983]
[]
["Number of employees",2190,2210,-20,-9.0497737556560764E-3,null,2190,2168,22,1.0147601476014678E-2,null,null,2190,2168,2192,2198,2210,2234,2220,2217,2223,2175,2160,2158,2147,2135,2134,2158,null,null,2210,2223,2147]
["Business outlets",100,101,-1,-9.9009900990099098E-3,null,100,100,0,0,null,null,100,100,100,98,101,96,99,98,96,96,96,96,96,98,100,100,null,null,101,96,96]
["Number of customers",691925,790811,-98886,-0.12504378416587525,null,691925,685846,6079,8.8635058015940071E-3,null,null,691925,685846,684727,683134,790811,797017,808277,825064,833239,843542,844694,847944,849823,859845,865861,864583,null,null,790811,833239,849823]
[]
["Back to Contents"]

{"sheet":"CIS-UA","index":28,"n_rows":45,"n_cols":33,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,11,2,11],[0,29,2,29]]}
["Ukraine",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"YoY"]
[]
["\n€ million","1/1-31/12\n2012","1/1-31/12\n2011","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2012","Q3\n2012","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011","Q4 \n2010","Q3 \n2010","Q2\n2010","Q1 \n2010","Q4 \n2009","Q3 \n2009","Q2\n2009","Q1 \n2009",null,null,"1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009"]
["Net interest income",350.43256105500001,343.05546899500001,7.3770920599999954,2.1504079447010715E-2,null,84.384331062999962,89.407448047000031,-5.0231169840000689,-5.6182310240635691E-2,null,null,84.384331062999962,89.407448047000031,87.618204984000002,89.022576960999999,92.319923594000016,92.350943572999995,80.161399971999998,78.223201856000003,29.10611461000002,103.01625613599995,107.54856700000002,93.304284999999993,94.419510000000017,104.78668900000004,104.647026,105.86105999999999,null,null,343.05546899500001,332.97522274599999,409.71428500000002]
["Net fee and commission income",149.75150260800001,130.81288880100001,18.938613806999996,0.14477635942900458,null,40.894061514000022,40.466406576999994,0.42765493700002821,1.0568147092237634E-2,null,null,40.894061514000022,40.466406576999994,35.955977417,32.435057100000002,36.024473273999988,34.737502425999992,31.080476754000006,28.970436347,37.11594083300001,33.965151871999993,30.516522999999996,25.251923000000001,30.15834700000002,36.672574999999988,28.248668000000002,30.098469999999999,null,null,130.81288880099999,126.849538705,125.17806]
["Net trading income",6.5592160870000003,6.0088231030000001,0.55039298400000014,9.1597468350367528E-2,null,1.8532714200000004,2.9706865069999999,-1.1174150869999995,-0.37614709070343499,null,null,1.8532714200000004,2.9706865069999999,0.91326147400000002,0.82199668599999998,-1.0511157419999995,2.434117938,1.0760363629999992,3.5497845440000004,0.51017972300000025,3.2437328950000008,3.1740949999999994,8.1112219999999997,-1.6345890000000001,-6.0352360000000003,1.1045590000000001,3.0207540000000002,null,null,6.0088231030000001,15.039229618,-3.5445120000000001]
["Other net operating income",-1.968439644,-5.0817343070000005,3.1132946630000005,-0.61264412401716695,null,-0.6987352280000001,-0.11355202100000003,-0.58518320700000004,">500,0%",null,null,-0.6987352280000001,-0.11355202100000003,-1.3848955869999999,0.22874319200000001,-3.7775206709999996,0.78363872599999995,-0.76386339299999984,-1.3238780800000001,-1.648758927,-1.9239776200000003,-2.0538660000000002,-1.6779919999999999,-0.80670200000000025,-1.2564419999999998,-0.42282500000000001,0.14150299999999999,null,null,-5.0816234179999995,-7.3045945470000007,-2.3444660000000002]
["Operating income",504.774840106,474.79544659200008,29.979393513999923,6.3141703925736481E-2,null,126.43292876899997,132.73098911000002,-6.2980603410000526,-4.7449810953948179E-2,null,null,126.43292876899997,132.73098911000002,123.10254828799999,122.50837393899999,123.51576045500003,130.30620266299997,111.55404969600001,109.41954466700001,65.083476239000035,138.30116328299997,139.18531900000002,124.98943799999999,122.13656600000003,134.16758600000003,133.577428,139.12178700000001,null,null,474.795557481,467.55939652199993,529.00336699999991]
["General administrative expenses",-315.93169939400002,-281.11616697900001,-34.815532415000007,0.12384749261895278,null,-86.208907789000023,-79.119030657999986,-7.089877131000037,8.9610262815867259E-2,null,null,-86.208907789000023,-79.119030657999986,-74.428841363000004,-76.174919584000008,-76.109294571000021,-69.449936355999995,-67.056707267000007,-68.50022878499999,-80.77936674499999,-68.102252853000024,-68.769415999999993,-62.803004000000001,-62.322277999999997,-47.653571000000014,-63.986332000000004,-63.378756999999993,null,null,-281.11616697900001,-280.45403959800001,-237.34093799999999]
["Staff expenses",-154.54397599399999,-145.096052348,-9.4479236459999925,6.5114960008284539E-2,null,-38.46618429099999,-36.885669863000004,-1.5805144279999865,4.2849009760980383E-2,null,null,-38.46618429099999,-36.885669863000004,-38.640714119999998,-40.55140772,-37.858140253000002,-36.512912407000002,-34.773087590000003,-35.951912097999994,-37.151643573999991,-34.152208548999994,-35.456068999999999,-32.498024000000001,-30.409523999999998,-18.259931999999992,-33.531082000000005,-35.775163999999997,null,null,-145.096052348,0,-117.975702]
["Other administrative expenses",-92.206421806999998,-93.472419033999998,1.2659972269999997,-1.3544072573317023E-2,null,-21.566351307999991,-24.085803784000003,2.5194524760000121,-0.1046032135192293,null,null,-21.566351307999991,-24.085803784000003,-23.433369612,-23.120897103000001,-25.852190157999999,-22.571231570999998,-22.413079226999997,-22.635918078000003,-29.333964447,-24.758668042999993,-24.456037999999999,-22.300353999999999,-24.111203000000003,-21.904554000000005,-22.779826999999997,-20.051580000000001,null,null,-93.472419033999998,0,-88.847164000000006]
["Depreciation on intangible and tangible fixed ass.",-69.181301593000001,-42.547695597000001,-26.633605996,0.62597058717976517,null,-26.176372189999999,-18.147557011,-8.0288151789999986,0.44241851253771491,null,null,-26.176372189999999,-18.147557011,-12.354757631,-12.502614761,-12.398964160000007,-10.365792377999997,-9.8705404500000018,-9.9123986089999985,-14.293758723999991,-9.1913762610000038,-8.857308999999999,-8.004626,-7.801550999999999,-7.4890849999999984,-7.6754230000000012,-7.5520129999999996,null,null,-42.547695597000001,0,-30.518072]
["Operating result",188.84314071199998,193.67927961300006,-4.8361389010000835,-2.4969831107712781E-2,null,40.224020979999949,53.611958452000039,-13.38793747200009,-0.24971923911316551,null,null,40.224020979999949,53.611958452000039,48.673706924999991,46.333454354999986,47.406465883999999,60.85626630699997,44.497342429,40.919315882000021,-15.695890505999955,70.198910429999941,70.415903000000029,62.186433999999991,59.814288000000033,86.514015000000015,69.591095999999993,75.743030000000019,null,null,193.67939050199999,187.10535692399992,291.66242899999992]
["Net provisioning for impairment losses",-106.855420327,-108.114191015,1.2587706879999985,-1.1642973750091268E-2,null,-33.444985948000017,-24.600413967999991,-8.8445719800000262,0.35952939619247748,null,null,-33.444985948000017,-24.600413967999991,-26.441916285000001,-22.368104125999999,-30.315268108000005,-15.728792638000002,-23.584801024000008,-38.485329244999996,15.292968849999994,-67.143394854000007,-75.200315999999987,-73.211588000000006,-117.79350499999998,-125.27378900000002,-138.17791199999999,-117.762249,null,null,-108.114191015,-200.26233000400001,-499.00745499999999]
["Other results",-21.568313902,-15.199264948,-6.3690489540000002,0.41903664261330431,null,5.2035379440000007,-14.361526073,19.565064017000001,"–",null,null,5.2035379440000007,-14.361526073,-6.0615679560000002,-6.3487578170000001,-6.8920284780000012,-12.338290236999999,-1.0412638479999998,5.0722067260000001,8.5248521499999956,3.7936138530000001,2.6321290000000008,12.0679,-7.2257429999999987,-0.18430100000000138,7.9727770000000007,3.6990379999999998,null,null,-15.199375837,27.018495002999998,4.2617710000000004]
["Net income from derivatives",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Net income from financial investments",-21.568313902,-15.199375837,-6.368938065,0.41902628984908885,null,5.2035379440000007,-14.361526073,19.565064017000001,"–",null,null,5.2035379440000007,-14.361526073,-6.0615679560000002,-6.3487578170000001,-6.8920284780000012,-12.338290236999999,-1.0412638479999998,5.0722067260000001,8.5248521499999956,3.7936138530000001,2.6321290000000008,12.0679,-7.2257429999999987,-0.18430100000000138,7.9727770000000007,3.6990379999999998,null,null,-15.199375837,27.018495002999998,4.2617710000000004]
["Net income from disposal from group assets",0,1.10889E-4,-1.10889E-4,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0]
["Profit before tax",60.419406483000003,70.365823649999996,-9.9464171669999928,-0.14135295589622499,null,11.982572976,14.650018411000008,-2.6674454350000083,-0.18207795786776271,null,null,11.982572976,14.650018411000008,16.170222683999999,17.616592411999999,10.199169298000017,32.789183431999994,19.871277556999999,7.5061933629999995,8.1219304940000008,6.8491304289999997,-2.1522839999999999,1.042745,-65.20496,-38.944074000000022,-60.614040999999993,-38.320180000000001,null,null,70.36582365000001,13.861521923,-203.08325500000001]
["Income taxes",-26.976355517999998,-23.707876914,-3.2684786039999985,0.13786466902356387,null,-12.755296074999997,-4.162405441999999,-8.5928906329999979,2.0644050063684305,null,null,-12.755296074999997,-4.162405441999999,-5.136970152,-4.9216838490000008,-5.7066526119999974,-7.5644929100000002,-5.6950373400000007,-4.7416940519999997,18.1500241,-4.0067883439999994,8.5130999999999957E-2,-0.46894799999999998,19.493551,-3.6354299999999995,16.367265,10.755229,null,null,-23.707876914,13.759418755999999,42.980615]
["Profit after tax",33.443050964999998,46.657946736,-13.214895771000002,-0.28322926093967504,null,-0.77272309900000558,10.487612969000004,-11.26033606800001,"–",null,null,-0.77272309900000558,10.487612969000004,11.033252532000001,12.694908562999998,4.4925166860000019,25.224690521999996,14.176240217000002,2.7644993110000002,26.271954594000004,2.8423420849999999,-2.0671529999999998,0.573797,-45.711409000000003,-42.579504,-44.246775,-27.564952000000002,null,null,46.657946736,27.620940679,-160.10264000000001]
[]
["Total assets",4922.1413027190001,5466.6519368640002,-544.51063414500004,-9.9605872192654044E-2,null,4922.1413027190001,4978.0799173019996,-55.938614582999435,-1.1236986049295239E-2,null,null,4922.1413027190001,4978.0799173019996,5148.0332197690004,5130.6252219369999,5466.6519368640002,5341.4428584909992,5168.4127028660014,5225.6076627470002,5544.0390857419989,5445.7804104800025,5888.0982830000003,5333.4854249999999,4982.938521,5415.420513,5579.0849170000001,6140.5045680000003,null,null,5466.6519368640002,5544.0390857419989,4982.938521]
["Loans and advances to customers",3714.9244366620001,4248.4659999420001,-533.54156327999999,-0.12558451998610409,null,3714.9244366620001,3932.3364498269998,-217.41201316499973,-5.528825316423891E-2,null,null,3714.9244366620001,3932.3364498269998,4120.5901255689996,4031.6382162089999,4248.4659999420001,4158.2092849250002,3844.864148783,3882.5197891329999,4147.7319637310002,4308.1843897520002,4941.4308570000003,4554.8826829999998,4401.1466520000004,4516.2505499999997,4896.6989149999999,5460.0051940000003,null,null,4248.4659999420001,4147.7319637310002,4401.1466520000004]
["  Hereof corporate %",0.52017780175314488,0.51304870981667261,0.71290919364722649,1.3895545978508839E-2,null,0.52017780175314488,0.51396803325046492,0.62097685026799576,1.2082013084369958E-2,null,null,0.52017780175314488,0.51396803325046492,0.51002453532139813,0.52598199540732571,0.51304870981667261,0.49943064429902395,0.47524749900126506,0.46657454436809082,0.45911018358948941,0.4474861857319381,0.436,0.43099999999999999,0.434,0.42,0.42299999999999999,0.437,null,null,0.51304870981667261,0.45911018358948941,0.434]
["  Hereof retail %",0.47968572169982482,0.48688726707475122,-0.72015453749263991,-1.4790991389431296E-2,null,0.47968572169982482,0.48589133787143318,-0.62056161716083635,-1.2771613091094758E-2,null,null,0.47968572169982482,0.48589133787143318,0.48994561458431923,0.47396318816322297,0.48688726707475122,0.50053135857288555,0.52475250099873494,0.53342545563190913,0.54088981641051059,0.55251372380025343,0.56399999999999995,0.56899999999999995,0.56599999999999995,0.57999999999999996,0.57699999999999996,0.56299999999999994,null,null,0.48688726707475122,0.54088981641051059,0.56599999999999995]
["  Hereof FCY %",0.51581479857011292,0.56812035215368295,-5.2305553583570035,-9.2067734213860386E-2,null,0.51581479857011292,0.53535042763002016,-1.9535629059907245,-3.6491292528504915E-2,null,null,0.51581479857011292,0.53535042763002016,0.54436620281184989,0.55555803370326196,0.56812035215368295,0.58045178455791302,0.62525616171924747,0.64078540100772052,0.65577188299152167,0.66535592274522126,0.65600000000000003,0.66200000000000003,0.66200000000000003,0.65900000000000003,0.67800000000000005,0.68400000000000005,null,null,0.56812035215368339,0.65577188299152167,0.66200000000000003]
["Deposits from customers",2645.6281012029999,2631.4062052210002,14.221895981999751,5.4046752469389947E-3,null,2645.6281012029999,2606.835961108,38.792140094999922,1.4880928709649854E-2,null,null,2645.6281012029999,2606.835961108,2684.3784264740002,2568.5828311589999,2631.4062052210002,2543.3190517560001,2518.7798975659998,2395.1508863550002,2555.0860272350001,2572.8565554109996,2717.5424320000002,2450.0548090000002,2303.3895600000001,2301.9583229999998,2350.5390640000001,2359.6253879999999,null,null,2631.4062052210002,2555.0860272350001,2303.3895600000001]
["Loan/deposit ratio",1.4041748479209069,1.6145230605265637,-21.034821260565685,-0.13028504686520459,null,1.4041748479209069,1.508471000283276,-10.429615236236911,-6.9140309852017912E-2,null,null,1.4041748479209069,1.508471000283276,1.5350257940276699,1.5695963421159511,1.6145230605265637,1.6349538537266965,1.5264788132136713,1.6209917342792188,1.623323801828892,1.674475159017869,1.8183454281386544,1.8590941991453218,1.9107261439528276,1.9619167318868962,2.0832237974667414,2.3139288218236449,null,null,1.6145230605265637,1.623323801828892,1.9107261439528276]
[]
["Return on equity before tax",7.4790027751325538E-2,9.2988659727787498E-2,-1.8198631976461961,-0.1957080791328335,null,5.8112589013483262E-2,6.7950615329931519E-2,-0.98380263164482562,-0.14478200482335757,null,null,5.8112589013483262E-2,6.7950615329931519E-2,0.11099044485000617,8.5802347937379994E-2,5.1471705275397767E-2,0.10601390008737159,0.10672609375551186,3.8649619824319567E-2,4.3092700539212173E-2,3.4693345346550157E-2,-1.0841968050277716E-2,5.7157675376000383E-3,-0.32161388367616239,-0.200125366788028,-0.29551206991044737,-0.18817723571633932,null,null,9.2988659727787498E-2,1.7087301494289189E-2,-0.24595379176991336]
["Return on equity after tax",4.1397406154016096E-2,6.1658624991184005E-2,-2.0261218837167907,-0.32860315714249011,null,"–",4.8644290716428909E-2,"–","–",null,null,"–",4.8644290716428909E-2,7.5730905541630644E-2,6.1831081521405783E-2,2.2672189082295433E-2,7.429566653830677E-2,7.6138775585026672E-2,1.4234491733375749E-2,0.13939167205818515,1.4397500028676766E-2,-1.0413127069213789E-2,3.1452466957619446E-3,-0.22546480784283104,-0.21880707333424596,-0.21571662029779265,-0.13536200691159539,null,null,6.1658624991184005E-2,3.4048738916238969E-2,-0.19390004055417273]
["Cost/income ratio",0.62588638397202223,0.5920784813687735,3.380790260324873,5.7100373796884485E-2,null,0.68185486667408068,0.59608559529704519,8.5769271377035494,0.143887508864049,null,null,0.68185486667408068,0.59608559529704519,0.60460845366801641,0.62179357324528217,0.6161909564466358,0.53297490784542745,0.60111405591942813,0.62603284443806562,1.2411655217733206,0.49241995682744327,0.49408527058805662,0.50246648840840458,0.51026715455549965,0.35517946190073063,0.47902054230300051,0.45556313189105302,null,null,0.59207834308822382,0.59982548032227145,0.44865676251924502]
["Net interest margin (avg. assets)",6.832234296017739E-2,6.4131737563204755E-2,0.41906053969726353,6.5343705881079517E-2,null,6.8187834746440926E-2,7.0635156322467349E-2,-0.24473215760264233,-3.4647358389833238E-2,null,null,6.8187834746440926E-2,7.0635156322467349E-2,6.8194273002388103E-2,6.7204113378929287E-2,6.4131737563204755E-2,7.029664149719364E-2,6.1698089595592108E-2,5.8106419779813012E-2,2.1187692569477348E-2,7.2713858280669064E-2,null,null,null,null,null,null,null,null,6.4131737563204755E-2]
["Net interest margin (avg. interest bearing assets)",7.580710552201253E-2,7.2176211463381032E-2,0.36308940586314981,5.0305966259723167E-2,null,7.512007734980472E-2,7.8321522492930812E-2,-0.32014451431260915,-4.0875675564338687E-2,null,null,7.512007734980472E-2,7.832152249293084E-2,7.5515573402334335E-2,7.5050503275539276E-2,7.7321146453418352E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.6836664904896626E-2,2.1998117002259638E-2,0.48385479026369882,0.21995282151376738,null,3.4987676183078652E-2,2.4438731671202679E-2,1.0548944511875973,0.43164860819296513,null,null,3.4987676183078652E-2,2.4438731671202679E-2,2.594816060241318E-2,2.1611422795736544E-2,2.1998117002259638E-2,1.5722752283393711E-2,2.4416854359495536E-2,3.8340346409462593E-2,-1.4468420178920815E-2,5.8072378634410671E-2,6.335116521437012E-2,6.5396470030655615E-2,0.10567523444942538,0.1064693182223517,0.10673504662930212,null,null,null,2.5753130519972731E-2,4.6851134284558067E-2]
[]
["NPL ratio",0.34655984743442503,0.34845550912263634,-0.18956616882113142,-5.4401828600280089E-3,null,0.34655984743442503,0.37383774856413265,-2.7277901129707627,-7.2967219694851204E-2,null,null,0.34655984743442503,0.37383774856413265,0.37152644023011183,0.35763875394449668,0.34845550912263634,0.33866513768447792,0.3386001797780232,0.3371297858322807,0.3353712164053943,0.3285515529160245,null,null,null,null,null,null,null,null,0.34845550912263634]
["NPL coverage ratio",0.68381765934553373,0.65652323787581879,2.7294421469714947,4.1574189449905985E-2,null,0.68381765934553373,0.65494928335526681,2.8868375990266926,4.4077269376303407E-2,null,null,0.68381765934553373,0.65494928335526681,0.64998686417627805,0.66221323182221714,0.65652323787581879,0.68877620309348875,0.70837381462166393,0.70299497941675759,0.67561731360437149,0.70313648240342008,null,null,null,null,null,null,null,null,0.65652323787581879]
[]
["Number of employees",13849,15267,-1418,-9.2880068120783421E-2,null,13849,14493,-644,-4.4435244600841806E-2,null,null,13849,14493,14874,14971,15267,15528,15467,15478,15432,15363,15224,15176,15225,16314,16422,16920,null,null,15267,15432,15225]
["Business outlets",825,909,-84,-9.2409240924092417E-2,null,825,826,-1,-1.210653753026647E-3,null,null,825,826,825,828,909,917,922,920,931,934,933,938,953,1036,1048,1087,null,null,909,931,953]
["Number of customers",3029424,3380743,-351319,-0.10391768909970378,null,3029424,3033169,-3745,-1.2346822745451513E-3,null,null,3029424,3033169,3126885,3361826,3380743,3402385,3389355,3907875,3902438,4705943,4662396,4886469,4882467,4775539,4775458,4754131,null,null,3380743,3902438,4882467]
[]
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