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[]
[]
[]
[]
[]
[]
[null,"Key Financial Data"]
[null,"31/12/2014 (4Q 2014)"]
[]
[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 and 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,"Total capital development","Capital Basel III",1]
[null,null,"Own funds development (regulatory)","Own Funds Basel II",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,"Romania","SEE-RO",1]
[null,null,"Serbia","SEE-RS",1]
[null,null,"Russia","RU",1]
[null,null,"Belarus","CEEo-BY",1]
[null,null,"Ukraine","CEEo-UA",1]
[null,null,null,null,32]

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["Survey of key data",null,null,null,"Archive"]
[]
[]
["Raiffeisen Bank International Group\nMonetary values in € million",2014,2013,"YoY Change\n",null,2013,2012,2011,2010,"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","1/1–31/12","1/1–31/12",null,null,null,"excl. one-offs"]
["Net interest income",3788.9298097109991,3728.9386228209992,1.6088005987241472E-2,null,3728.9386228209992,3472.1550183010022,3667.150253913002,3578.1677409999998,3282.3639543898707,2936.5017999999995,3232.01,2061.8723639999994,1455.0040979999999,1455.0040979999999,1034.8376490000003,665.87533487126655,476.08213024000003,344.18236350000001]
["Net provisioning for impairment losses",-1715.8999711300003,-1149.2150738570001,0.49310604269320102,null,-1149.2150738570001,-1008.822763958,-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",1585.8878906940001,1626.1674483510012,-2.4769624861109008E-2,null,1626.1674483510012,1516.3990226160008,1489.926738631,1490.791821,1420.8903190000003,1223.0568000000001,1496.3689999999999,1249.8345480000003,933.28875999999991,933.28875999999991,606.63945699999999,441.38634300000001,333.11265437999998,234.00264239000001]
["Net trading income",-29.744396046999999,321.070655837,"–",null,321.070655837,214.685620005,363.26061446599999,328.12121500000001,418.88616000000002,186.33960000000002,167.642,127.89122900000001,174.823486,174.823486,100.99699199999999,78.414924000000013,121.62423656999999,100.18648578]
["General administrative expenses  ",-3023.5700388050022,-3339.5056123990021,-9.4605492627707011E-2,null,-3339.5056123990021,-3258.1033379999999,-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/loss before tax  ",22.882149649001999,834.65736320700103,-0.97258497839031577,null,834.65736320700103,1037.36317940001,1373.3551849360017,1287.3215770000002,790.29776938987038,367.59699999999947,1429.1351230000002,1237.6041250000005,891.16532043099994,1479.6124010000001,568.55677100000025,340.77226587126648,276.70077949,175.29302605000001]
["Profit/loss after tax  ",-463.07900159699795,602.94637023699897,"–",null,602.94637023699897,751.99315343249793,974.11265625400165,1177.160668,530.9918773898703,287.09719999999948,1078.2551570000001,973.45509700000048,685.92503243099986,1274.3721130000001,459.5934960000003,269.7526958712665,227.44729543999998,136.04545467]
["Consolidated profit/loss",-492.73843349999902,557.33561753699996,"–",null,557.33561753699996,729.69170676449698,967.66349800500166,1087.4752880000001,450.26529274292352,212.18069999999949,981.98589500000014,841.25764300000048,593.6793394309999,1182.1264200000001,382.33416000000028,209.43746187126649,178.73315421999999,103.54182259000001]
["Statement of financial position","31/12","31/12",null,null,"31/12","31/12","31/12","31/12","31/12"]
["Loans and advances to banks  ",15573.241074752001,22243.221115909007,-0.2998657436528579,null,22243.221115909007,22323.300969046002,25748.043714016003,21532.405502999998,38581.65306284,10310.101000000001,9038.0955360000007,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001]
["Loans and advances to customers  ",77925.415694609022,80634.618093677025,-3.3598502270086983E-2,null,80634.618093677025,83343.268787134977,81576.235405427986,75657.06137000001,72566.36288500001,50514.970999999998,57902.303544000002,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001,-365.53741600000001]
["Deposits from banks  ",22408.370576102996,30104.865689052,-0.255656185031509,null,30104.865689052,30186.449255818996,37991.808545944987,33659.182182999997,49098.824571856981,20110.169999999998,26213.163392000002,19926.969548000001,13813.569099999999,13813.569099999999,10236,6620,5320,2909]
["Deposits from customers  ",66094.171832042979,66436.635568235986,-5.1547423084251642E-3,null,66436.635568235986,66297.150535260007,66747.234305767008,57633.112935000005,55407.04924,42578.249000000003,44205.905761000002,40457.265952000002,33156.348525000001,33156.348525000001,24890,18169,12083,9365]
["Equity ",8301.8349479299941,10363.797776834093,-0.19895822683004749,null,10363.797776834093,10872.89279892205,10935.785951264921,10403.925360000001,9326.2827647429258,7000.1819999999998,6518.2055099999998,6622.1366770000004,4589.5834610000002,4589.5834610000002,3277,2177,1379,1145]
["Total assets",121623.882524784,130639.81293045604,-6.9013650612555044E-2,null,130639.81293045604,136116.02291149698,146985.002817086,131173.114107,145638.08216197003,76275.328999999998,85396.984704999995,72742.804509000023,55866.994520000007,55866.994520000007,40695,28907,20063,14381]
["Key ratios","1/1–31/12","1/1–31/12",null,null,"1/1–31/12","1/1–31/12","1/1–31/12","1/1–31/12","1/1–31/12"]
["Return on equity before tax",2.1012445545549176E-3,7.8220229378586387E-2,-7.6118984824031468,null,7.8220229378586387E-2,9.6535614892203719E-2,0.1371428633213429,0.13694938772287077,9.5208691011723148E-2,5.7491418892374996E-2,0.22045074892879893,0.25728780053283873,0.27347235246514195,0.45404940611515399,0.218,0.222,0.24099999999999999,0.19900000000000001]
["Consolidated return on equity**","–",4.8822021952665703E-2,"–",null,4.8822021952665703E-2,7.4312689576659041E-2,0.10811224437756502,0.12953981991500735,7.0910113842501205E-2,3.8680078660259271E-2,0.17381640661922373,0.20105084541175858,0.21385383214750198,0.42582291253039661,0.17199999999999999,0.17,0.19400000000000001,0.13800000000000001]
["Return on tangible equity","–",9.4555171144718494E-2,"–",null,9.4555171144718536E-2,0.12506820173199443]
["Cost/income ratio*",0.56459288661847862,0.58293483014071745,-1.8341943522238835,null,0.58293483014071745,0.61485368637566451,0.56023937564775439,0.54726265464433921,0.52548921361829848,0.52472249284146888,0.53953715950652115,0.57603113461188393,0.59059642570119975,0.59059642590714534,0.61599999999999999,0.63500000000000001,0.64700000000000002,0.70299999999999996]
["Return on assets before tax",1.7708144366020533E-4,6.3006436968731207E-3,-0.61235622532129153,null,6.3006436968731207E-3,7.3118337537800256E-3,9.7618851902312644E-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. interest bearing assets)",3.2389622287879782E-2,3.1124501339627152E-2,0.12651209482526307,null,3.1124501339627152E-2,2.6556933098486168E-2,2.8997889774925342E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.125272495498225E-2,1.3912201505041234E-2,0.73405234499410166,null,1.3912201505041234E-2,1.2123724456918516E-2,1.3380824021495345E-2]
["Bank-specific information","31/12","31/12",null,null,"31/12","31/12","31/12","31/12","31/12"]
["Risk-weighted assets (credit risk)",57047.77518455463,65334.162499999999,-0.12683084925815602,null,65334.162499999999,68136.387499999997,77150.487500000003,75601.3125,70554.874500000005,50089.599999999999,60387.5625,49802.309818069101,31858.390219013021,31858.390219013021,20543.700229635095,14008.142266687522,10215,7161.5]
["Risk-weighted assets (total RWA)",68721.124163555694,79896.524999999994,-0.13987342799257285,null,79896.524999999994,82821.5625,95301.604685999991,94810.634560682651,89210.143677193439]
["Total capital requirement",5497.6899330844553,6391.7219999999998,-0.13987342799257296,null,6391.7219999999998,6625.7250000000004,7624.1283748799997,7584.850764854612,7136.8114941754757,5116.8159177208354,5766.8150195168109,4317.1194654455267,3284.144802700037,3284.144802700037,2393,1571,1024,743]
["Total capital",11003.370440875753,12685.649059000001,-0.13261273509144833,null,12685.649059000001,12885.253000000001,12857.848,12607.563,12019.291140984049,8328.4692799999993,6992.1708760000001,6684.2617718761285,4512.9333506247467,4512.9333506247467,2938,2359,1463,1071]
["Excess cover ratio",1.0014534422282997,0.98469975055235515,1.6753691675944538,null,0.98469975055235515,0.94473102943451481,0.68646793020485786,0.66220317193566625,0.68412618867589292,0.6276663874415318,0.21231058259014102,0.54831521929780846,0.37415784678996777,0.37415784678996777,0.22800000000000001,0.502,0.42799999999999999,0.442]
["Common equity tier 1 ratio (transitional)",0.10879690781078596,0.10655681207662035,0.22400957341656147,null,0.10655681207662035,0.10654151373120216,9.0401683459435209E-2,8.8505145428905155E-2,8.469672084900659E-2,9.1999999999999998E-2,7.3999999999999996E-2,9.6000000000000002E-2,"–","–","–","–","–","–"]
["Common equity tier 1 ratio (fully loaded)",0.10015414896226583,"–","–",null,"–","–"]
["Tier 1 ratio (transitional)",0.10879690781078601,0.11207960620314839,-0.32826983923623793,null,0.11207960620314839,0.11186924902557834,9.8796085659018762E-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]
["Total capital ratio (transitional)",0.16011627537826398,0.15877598004418841,0.13402953340755641,null,0.15877598004418841,0.15557848235476118,0.13491743441638862,0.13297625375485328,0.13473009509407144,0.13021374361468527,9.6984846607211267E-2,0.12386521754382468,0.10993262774319741,0.10993262774319741,9.8000000000000004E-2,0.12,0.114,0.115]
["Total capital ratio (fully loaded)",0.15164098556758782,"–","–",null,"–","–"]
["Stock data  ","31/12","31/12",null,null,"31/12","31/12","31/12","31/12","31/12"]
["Earnings per share in €  ",-1.7295238152887336,1.8329807485929992,"–",null,1.8329807485929992,2.7183382820516053,3.9457932570420322,4.5621606443530593,1.29,0.9902838531560183,6.39,5.8022957287367447,4.17,8.290689328580962,2.79,1.93,1.79,1.04]
["Price in €  ",12.535,25.62,-0.51073380171740834,null,25.62,31.46,20.07,41,39.5,39.5,19.3,103.6,115.51,115.51,55.55]
["High (closing prices) in €",31.266999999999999,33.590000000000003,-6.9157487347424884E-2,null,33.590000000000003,33.36,45.1,42.75,47.86,47.86,110.2,122.5,115.51,115.51,59.4]
["Low (closing prices) in €",11.51,19.96,-0.42334669338677355,null,19.96,18.64,14.16,29.01,13,13,16.23,98.25,55.2,55.2,39.25]
["Number of shares in million",292.979038,195.505124,0.49857472789306545,null,195.505124,195.51,195.505124,195.505124,195.50512400000002,154.66749999999999,154.66749999999999,154.66749999999999,142.77000000000001,142.77000000000001,142.77000000000001]
["Market capitalization in € million",3672.4922413300001,5008.8412770000004,-0.26679804005895635,null,5008.8412770000004,6150,3923.7878386799998,8016,7722.4523980000013,6109.36625,2985.08275,16023.552999999998,16492,16492,7931]
["Dividend per share in €","–",1.02,"–",null,"1,02",1.17,1.05,1.05,0.2,0.2,0.93,0.93,0.71,0.71,0.45,0.15693006000000001,0.33,0.13]
["Resources  ","31/12","31/12",null,null,"31/12","31/12","31/12","31/12","31/12"]
["Number of employees as of reporting date  ",54730,57901,-5.4765893507884189E-2,null,57901,60084,59261,59782,59211,56530,63376,58365,52732,52732,43614,22851,18386,13478]
["Business outlets  ",2866,3025,-5.2561983471074325E-2,null,3025,3106,2928,2961,3029,3018,3231,3015,2848,2848,2443,916,722,604]
[]
["* CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses).",null,null,null,null,"* Adaption of previous year's values due to retrospective application of IAS 19R.",null,null,null,null,null,null,"** The figures from 2007 accord with the provisions of Basel I; from 2008 onward, the own funds requirement is calculated according to Basel II. "]
["** Consolidated return on equity: as of Q1 2014, ratio excludes participation capital and participation capital dividend (previous periods not adjusted)."]

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["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","31/3/2013","30/6/2013","30/9/2013","31/12/2013","31/3/2014","30/6/2014","30/9/2014","31/12/2014","YTD Re-/\nDevaluation","QoQ Re-/\nDevaluation"]
["ALL",141.41,140.94999999999999,138.93,140.38,138.16999999999999,140.19,139.59,139.91,140.96,141.37,140.19999999999999,140.27000000000001,140.26,139.88999999999999,140.13999999999999,4.2814328528617551E-4,-1.7839303553589536E-3]
["BAM",1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,"–","–"]
["BGN",1.9558,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,"–","–"]
["BYR",7152.13,7638.16,10800,10750,10470,10870,11340,11110,11450,12250,13080,13570,13890,13420,14380,-9.040333796940192E-2,-6.6759388038942991E-2]
["CZK",24.344999999999999,24.754000000000001,25.786999999999999,24.73,25.64,25.140999999999998,25.151,25.74,25.949000000000002,25.73,27.427,27.442,27.452999999999999,27.5,27.734999999999999,-1.1105101856859534E-2,-8.4730484946817786E-3]
["HRK",7.4017999999999997,7.4995000000000003,7.5369999999999999,7.5125000000000002,7.5178000000000003,7.4467999999999996,7.5575000000000001,7.5940000000000003,7.4494999999999996,7.6153000000000004,7.6265000000000001,7.6475,7.5759999999999996,7.6425000000000001,7.6580000000000004,-4.1133455210238257E-3,-2.0240271611386973E-3]
["HUF",266.11,292.55,314.58,294.92,287.77,284.89,292.3,304.42,294.85000000000002,298.14999999999998,297.04000000000002,307.18,309.3,310.57,315.54000000000002,-5.8629650757431651E-2,-1.5750776446726289E-2]
["KZT",210.29,201.72,191.72,197.13,187.9,194.02,199.22,193.33,197.9,207.56,211.17,249.7,249.92,230.56,221.97,-4.8655223678875537E-2,3.8698923277920461E-2]
["MYR","–","–","–",4.0915999999999997,3.996,3.9596,4.0347,3.9649999999999999,4.1340000000000003,4.4103000000000003,4.5221,4.4976000000000003,4.3856000000000002,4.1314000000000002,4.2473000000000001,6.4699927012454861E-2,-2.7287924092953109E-2]
["PLN",3.9903,4.4050000000000002,4.4580000000000002,4.1521999999999997,4.2488000000000001,4.1037999999999997,4.0739999999999998,4.1803999999999997,4.3376000000000001,4.2287999999999997,4.1543000000000001,4.1718999999999999,4.1567999999999996,4.1776,4.2732000000000001,-2.7824581110175051E-2,-2.2371992885893532E-2]
["RON",4.2435,4.3574999999999999,4.3232999999999997,4.3819999999999997,4.4512999999999998,4.5382999999999996,4.4444999999999997,4.4192999999999998,4.4603000000000002,4.4619999999999997,4.4710000000000001,4.4592000000000001,4.383,4.4101999999999997,4.4828000000000001,-2.6322833943071E-3,-1.6195235120906704E-2]
["RSD",102.4631,101.17319999999999,104.6409,111.3643,115.8203,115.032,113.7183,111.9575,114.17149999999999,114.6044,114.6421,115.3845,115.78530000000001,118.8509,120.95829999999999,-5.2217995788631288E-2,-1.7422533220126213E-2]
["RUB",40.4,43.35,41.765000000000001,39.295000000000002,41.37,40.14,40.329500000000003,39.761699999999998,42.844999999999999,43.823999999999998,45.324599999999997,48.78,46.377899999999997,49.765300000000003,72.337000000000003,-0.37342438862546146,-0.31203533461437438]
["SGD",1.7761,1.7588999999999999,1.6819,1.6775,1.5973999999999999,1.5848,1.6111,1.59,1.6545000000000001,1.6960999999999999,1.7414000000000001,1.7365999999999999,1.7047000000000001,1.6063000000000001,1.6057999999999999,8.4443890895503859E-2,3.1137127911340379E-4]
["TRY",0,2.5099999999999998,2.4432,2.3774000000000002,2.2833999999999999,2.3203,2.3551000000000002,2.3212000000000002,2.5209999999999999,2.7509999999999999,2.9605000000000001,2.9693000000000001,2.8969,2.8778999999999999,2.8319999999999999,4.5374293785310771E-2,1.6207627118643986E-2]
["UAH",11.50004,10.854799999999999,10.2981,10.5999,9.9706440000000001,10.2902,10.5372,10.234999999999999,10.410080000000001,10.8201,11.04153,15.072433999999999,16.0868,16.446760000000001,19.232907999999998,-0.42590428862863583,-0.14486358485154704]
["USD",1.4453,1.3503000000000001,1.2939000000000001,1.3355999999999999,1.2589999999999999,1.2929999999999999,1.3193999999999999,1.2805,1.3080000000000001,1.3505,1.3791,1.3788,1.3657999999999999,1.2583,1.2141,0.13590313812700772,3.6405567910386294E-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","31/3/2013","30/6/2013","30/9/2013","31/12/2013","31/3/2014","30/6/2014","30/9/2014","31/12/2014","YoY Re-/\nDevaluation","QoQ Re-/\nDevaluation"]
["ALL",140.63999999999999,140.60599999999999,140.49845999999999,139.58000000000001,139.4157142857143,139.16499999999999,139.2976923076923,139.685,140.12428571428572,140.24200000000002,140.22923076923078,140.26249999999999,140.17857142857142,139.95999999999998,139.93153846153842,2.1274139551763493E-3,2.0339616625730805E-4]
["BAM",1.95583,1.95583,1.95583,1.95583,1.9558300000000002,1.95583,1.9558299999999997,1.95583,1.9558300000000002,1.95583,1.9558299999999997,1.95583,1.9558300000000002,1.95583,1.9558299999999997,"–","–"]
["BGN",1.9558,1.95583,1.95583,1.95583,1.9558300000000002,1.95583,1.9558299999999997,1.95583,1.9558300000000002,1.95583,1.9558299999999997,1.95583,1.9558300000000002,1.95583,1.9558299999999997,"–","–"]
["BYR",5040.5171399999999,5741.36,7056.4307699999999,10847.5,10705.714285714286,10649,10766.923076923076,11350,11345.714285714286,11537,11830,13287.5,13511.428571428571,13558,13612.307692307691,-0.13093354430379744,-3.9896021699818984E-3]
["CZK",24.47071,24.434699999999999,24.635079999999999,25.137,25.249714285714283,25.198399999999999,25.189307692307693,25.536750000000001,25.657999999999998,25.692799999999998,25.959615384615386,27.428249999999998,27.441571428571429,27.488599999999998,27.541769230769226,-5.7445614074286944E-2,-1.9304943819595799E-3]
["HRK",7.4021600000000003,7.4236900000000006,7.4441100000000002,7.5503799999999996,7.5414000000000003,7.5227099999999991,7.526930769230769,7.5827499999999999,7.5601428571428571,7.5611100000000011,7.5768538461538464,7.6437000000000008,7.6206571428571426,7.6244100000000001,7.6342000000000008,-7.5117437120004737E-3,-1.2823871525504682E-3]
["HUF",269.38571000000002,272.02200000000005,280.45999999999998,298.02999999999997,295.47000000000003,291.577,290.24230769230775,296.19749999999999,296.55285714285714,297.447,297.49999999999994,306.98250000000002,306.81,308.62200000000001,308.98692307692312,-3.7176081636514646E-2,-1.1810308128550329E-3]
["KZT",205.34714,206.00899999999996,204.44385,195.66499999999999,192.92857142857142,191.60499999999996,192.77307692307687,198.29249999999999,197.99857142857144,199.94499999999999,202.47692307692307,230.96499999999997,239.42285714285714,239.227,235.87230769230766,-0.14158247291559312,1.4222493265587222E-2]
["MYR","–","–","–",4.0593500000000002,4.024285714285714,3.9911099999999999,3.9886923076923071,4.0674999999999999,4.0581571428571426,4.1488100000000001,4.2080769230769235,4.5176750000000006,4.4791428571428575,4.3927100000000001,4.348415384615385,-3.2273471857122149E-2,1.0186380892066804E-2]
["PLN",3.9654699999999998,4.0320000000000009,4.1254400000000002,4.2389299999999999,4.2524142857142859,4.2152199999999995,4.190030769230769,4.1501000000000001,4.1953714285714288,4.2096700000000009,4.2027153846153853,4.1856499999999999,4.1775571428571432,4.180670000000001,4.1908846153846167,2.8229766067380258E-3,-2.4373411157916358E-3]
["RON",4.1854699999999996,4.2129700000000003,4.2416400000000003,4.3489300000000002,4.3899142857142852,4.4310999999999998,4.4470999999999998,4.4017299999999997,4.3968428571428566,4.4078400000000002,4.4172230769230776,4.4815749999999994,4.4515857142857138,4.4405899999999985,4.4409846153846138,-5.3505113211201882E-3,-8.8857633788741452E-5]
["RSD",102.28494000000001,102.08765,102.30589999999999,108.06345,110.9406142857143,112.77986000000001,112.87986923076923,112.19927499999999,112.16018571428572,112.79527,113.1267076923077,115.47145,115.57117142857145,116.24420000000001,117.1566076923077,-3.4397547687483931E-2,-7.7879319850570061E-3]
["RUB",40.446109999999997,40.777830000000002,41.02187,39.971350000000001,40.199914285714286,40.184739999999998,40.235415384615393,40.237749999999998,40.846771428571437,41.751550000000002,42.444061538461547,47.948974999999997,47.849699999999999,48.097580000000008,51.424253846153846,-0.17462951109720282,-6.4690755768790797E-2]
["SGD",1.76963,1.7602699999999998,1.75075,1.67018,1.6439571428571429,1.6194900000000001,1.6136307692307692,1.6254,1.6300142857142856,1.6482800000000002,1.6632384615384614,1.7386250000000001,1.7294,1.70258,1.6822692307692306,-1.1312558586158761E-2,1.207343560666696E-2]
["TRY","–",2.2972200000000003,2.33338,2.3746499999999999,2.3430571428571425,2.3212800000000002,2.324646153846154,2.35548,2.3915000000000002,2.4740600000000006,2.5511769230769232,3.014875,2.9627142857142856,2.9322600000000003,2.8992999999999998,-0.12007142307559637,1.1368261304453009E-2]
["UAH",11.17834,11.1949503,11.09216,10.529450000000001,10.371334857142857,10.2704144,10.306764923076923,10.515980000000001,10.47161142857143,10.534278,10.634058923076925,12.650238249999999,14.06852557142857,14.906765400000001,15.638264153846155,-0.31999748703173492,-4.6776211646626042E-2]
["USD",1.41133,1.4100600000000001,1.3951100000000001,1.3228500000000001,1.3017285714285713,1.2894600000000001,1.293223076923077,1.3169500000000001,1.3119428571428571,1.3185100000000001,1.3299538461538463,1.3727,1.3717571428571429,1.3517299999999999,1.3255461538461535,3.3251896170523043E-3,1.9753251199795985E-2]

{"sheet":"Financial position","index":3,"n_rows":40,"n_cols":43,"rows_kept":40,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,29,3,29],[39,20,39,23],[39,31,39,34]]}
["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,"Archive"]
[]
[]
[]
["Assets\n€ million","31/12\n2014","31/12\n2013","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2014","30/9\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2014","30/9\n2014","30/6\n2014","31/3\n2014","31/12\n2013","30/9\n2013","30/6\n2013","31/3\n2013","31/12\n2012","30/9\n2012","30/6\n2012","31/3\n2012","31/12\n2011","30/9/\n2011","30/6\n2011","31/3\n2011",null,null,"31/12\n2013","31/12\n2012","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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["Cash reserve",6768.6847341589992,6674.226252984,94.458481174999179,1.4152723865596739E-2,null,6768.6847341589992,5094.0009929670005,1674.6837411919987,0.32875606885513764,null,null,6768.6847341589992,5094.0009929670005,5315.0987037119994,4813.8012347209997,6674.226252984,5273.3097311189986,4451.4502196480007,5013.1962969570004,6556.7230670790004,13525.602028480002,15393.210922758999,14631.275844156999,11401.746933792001,7534.3094344279989,4244,4936,null,null,6674.226252984,6556.7230670790004,11401.746933792001,4806.8907449999997,4179.5720000000001,7129.8604610000002,3664.1871700000002,4063.6329879999998,2908.1605070000001,1895.3557209999999,1748.9765737499999,933.69581558000004,1099.2103200000001]
["Loans and advances to banks",15573.241074752001,22243.221115909007,-6669.9800411570068,-0.2998657436528579,null,15573.241074752001,22352.977881422001,-6779.7368066700001,-0.30330351699156699,null,null,15573.241074752001,22352.977881422001,19775.838318742997,19805.981586015998,22243.221115909007,21588.929174712001,21460.271365789002,20249.723827082002,22323.300969046002,24777.321450242001,25700.864721673996,24626.289535225005,25748.043714016003,28375.851676926002,24972,29069,null,null,22243.221115909007,22323.300969046002,25748.043714016003,21532.405502999998,10310.101000000001,9038.0955360000007,11053.201563999999,8202.4447340000006,5794.2658030000002,4779.4028920000001,3520.5023749400002,2718.8044932799999,2707.8697689999999]
["Loans and advances to customers",77925.415694609022,80634.618093677025,-2709.2023990680027,-3.3598502270086983E-2,null,77925.415694609022,82550.176758935966,-4624.7610643269436,-5.6023636119305054E-2,null,null,77925.415694609022,82550.176758935966,80826.254136451011,79692.424410484993,80634.618093677025,82431.498417479917,81941.55236141599,82889.029465281987,83343.268787134977,83768.648347346971,84886.767301656015,82478.235912195029,81576.235405427986,81320.827861849,79431,77061,null,null,80634.618093677025,83343.268787134977,81576.235405427986,75657.06137000001,50514.970999999998,57902.303544000002,48879.805538999994,35042.748817,24714.026007,16242.004999999999,11706.603377590001,8240.4581381999997,5896.575863]
["Impairment losses on loans and advances",-6069.2333250619995,-5605.475377482001,-463.75794757999847,8.2733027325921471E-2,null,-6069.2333250619995,-6131.5952973840003,62.361972322000838,-1.017059497527617E-2,null,null,-6069.2333250619995,-6131.5952973840003,-5754.2453356600008,-5610.1882604039993,-5605.475377482001,-5734.2465920749992,-5614.8846298859999,-5693.9058212729997,-5641.8974036510008,-5661.2408348589988,-5625.2204345740001,-5076.7403047980006,-5053.2120736769994,-5052.3071806799999,-4873,-4782,null,null,-5605.475377482001,-5641.8974036510008,-5053.2120736769994,-4755.8721770000002,-3084.0230000000001,-1641.2616910000002,-1103.1662020000001,-872.05620599999997,-649.78616299999999,-366.25648699999999,-271.93232994000005,-188.45886661000003,-139.93861999999999]
["Trading assets",7916.6241837610014,7581.0973984309985,335.52678533000289,4.4258339880904884E-2,null,7916.6241837610014,8271.1558783320033,-354.53169457100194,-4.2863621455831891E-2,null,null,7916.6241837610014,8271.1558783320033,7833.9871783509998,7855.3354891839972,7581.0973984309985,7853.2629559499992,7668.611857601999,8564.3174501430003,9813.2926690170007,9880.1463661550006,11243.638590934999,11075.136290963996,10616.670705348999,11108.883966777001,8324,7750,null,null,7581.0973984309985,9813.2926690170007,10616.670705348999,8068.393435,3709.4520000000002,3763.1782829999997,2809.3624479999999,2683.67787,1656.3371589999999,2447.0222290000002,1480.3409779900001,1483.9221635900001,991.39455799999996]
["Derivatives",1643.2014913420001,982.05152863299998,661.14996270900008,0.67323347444844384,null,1643.2014913420001,1230.5165950200001,412.68489632199999,0.33537531959517586,null,null,1643.2014913420001,1230.5165950200001,1084.8782077419999,982.42922568400002,982.05152863299998,960.56889545200011,1001.8184697099999,1238.706488478,1405.0876940119999,1410.9188816689998,1229.9884405140001,1194.6327328089999,1404.8093291790001,1273.0857226349999,1067,1282,null,null,982.05152863299998,1405.0876940119999,1404.8093291790001,1488.0359920000001,332.88200000000001,864.94354399999997,92.324663000000001,35.763579,25.149507,44.257966000000003,15.307216650000001,1.0081659700000001,2.4187999999999998E-2]
["Financial investments",14467.88699796,13482.703466389006,985.18353157099409,7.3070177210895038E-2,null,14467.88699796,14169.418048719002,298.46894924099797,2.10643054086459E-2,null,null,14467.88699796,14169.418048719002,13602.206616173004,13259.746270837008,13482.703466389006,13787.223748840997,14397.104338254985,14913.098114832001,13355.459425157002,14136.275867730004,14917.745485177007,14410.349263707001,16534.963974514001,18847.243606213997,19384,19264,null,null,13482.703466389006,13355.459425157002,16534.963974514001,19630.901704,7270.5469999999996,5136.6069944934743,4133.414702,3757.8540079999998,4107.8057360000003,2964.7018900000003,1077.30728544,662.93540122999991,528.32532100000003]
["Investments in associates",-1.001E-6,5.034722103,-5.0347231040000002,"–",null,-1.001E-6,-9.9999999999999995E-7,-1.0000000000000751E-9,1.0000000000001119E-3,null,null,-1.001E-6,-9.9999999999999995E-7,9.9999999999999986E-10,-5.2999999999999998E-8,5.034722103,5.0091570010000002,4.9771987399999995,5.0166346659999999,4.9354986060000003,4.826559284,4.8959047920000005,4.9863801919999995,5.0166090719999996,4.9190444060000003,5,5,null,null,5.034722103,4.9354986060000003,5.0166090719999996,4.9608509999999999,5.4370000000000003,2.526443506525792,23.993655999999998,24.707342000000001,22.146044999999997,15.128281000000001,11.402492269999998,9.6961264100000015,8.9588049999999999]
["Intangible fixed assets",759.25174864699989,1248.7085312520001,-489.45678260500017,-0.39197040010149786,null,759.25174864699989,1144.1163294260002,-384.86458077900033,-0.33638588216994136,null,null,759.25174864699989,1144.1163294260002,1192.178574474,1178.8199018129999,1248.7085312520001,1258.642169812,1292.6501622339999,1306.9921573629999,1321.0108973500001,1329.937133012,1317.6989859569999,1082.9873899670001,1065.548484791,1192.0692801110001,1191,1197,null,null,1248.7085312520001,1321.0108973500001,1065.548484791,1219.815971,971.88099999999997,951.88813899999991,1136.8086350000001,1220.747325,880.65733999999998,177.03958700000001,107.54357679,104.90033254000001,46.675606000000002]
["Tangible fixed assets",1407.7141951060014,1594.5577720830008,-186.84357697699943,-0.11717579647987431,null,1407.7141951060014,1571.8661918369999,-164.15199673099846,-0.10443127893676385,null,null,1407.7141951060014,1571.8661918369999,1607.092823018,1458.041141551,1594.5577720830008,1631.3503590730002,1624.5920716390006,1600.2422910119994,1596.8960692740011,1602.3221131349997,1607.8843571999989,1502.094249243999,1511.4769947459999,1427.3007298699997,1448,1430,null,null,1594.5577720830008,1596.8960692740011,1511.4769947459999,1453.6303360000002,1244.2329999999999,1263.7686740000001,1153.596415,1055.7332589999999,738.83468400000004,441.01385799999997,333.47714625999998,273.52248699999996,225.46064000000001]
["Other assets",1231.0957305109996,1799.0694264770011,-567.97369596600151,-0.31570415660846785,null,1231.0957305109996,1763.1774494289998,-532.08171891800021,-0.30177434443159046,null,null,1231.0957305109996,1763.1774494289998,1795.804566112,1974.0935046109987,1799.0694264770011,1978.9392521699988,2077.5976599039991,1845.791555916999,2037.9452384719998,2353.4172718640002,2039.7990481430013,2868.939852662003,2173.7027398759997,2335.5568899840014,2362,2251,null,null,1799.0694264770011,2037.9452384719998,2173.7027398759997,2066.8903769999997,820.27599999999995,985.07477699999993,899.27591900000004,651.74080400000003,497.26567999999997,267.45153599999998,333.10039944999994,140.26794033000002,109.74786200000001]
["Total assets",121623.882524784,130639.81293045604,-9015.930405672043,-6.9013650612555044E-2,null,121623.882524784,132015.810827704,-10391.928302920001,-7.8717300888169195E-2,null,null,121623.882524784,132015.810827704,127279.09378911702,125410.484504445,130639.81293045604,131034.4872695349,130305.74107505099,131932.20846045899,136116.02291149698,147128.17518405899,152717.27332423299,148798.18714632402,146985.002817086,148367.74103251999,137556,139463,null,null,130639.81293045604,136116.02291149698,146985.002817086,131173.114107,76275.328999999998,85396.984704999995,72742.804509000009,55866.99452,40694.862305000002,28907.121999999999,20062.62909119,14380.752197520002,11474.304312]
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["Equity and liabilities\n€ million","31/12\n2014","31/12\n2013","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2014","30/9\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2014","30/9\n2014","30/6\n2014","31/3\n2014","31/12\n2013","30/9\n2013","30/6\n2013","31/3\n2013","31/12\n2012","30/9\n2012","30/6\n2012","31/3\n2012","31/12\n2011","30/9/\n2011","30/6\n2011","31/3\n2011",null,null,"31/12\n2013","31/12\n2012","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",22408.370576102996,30104.865689052,-7696.4951129490037,-0.255656185031509,null,22408.370576102996,30771.127556355994,-8362.7569802529979,-0.27177284826293635,null,null,22408.370576102996,30771.127556355994,28710.932196537004,26348.021276316991,30104.865689052,29617.168407129004,27495.417506538,27578.935987113993,30186.449255818996,36772.778481983994,40343.688080315987,39317.617192316007,37991.808545944987,37606.685523706015,34829,37047,null,null,30104.865689052,30186.449255818996,37991.808545944987,33659.182182999997,20110.169999999998,26213.163392000002,19926.969548000001,13813.569099999999,10236.464443999999,6619.765445,5319.7444142800005,2908.92208377,2584.4560769999998]
["Deposits from customers",66094.171832042979,66436.635568235986,-342.46373619300721,-5.1547423084251642E-3,null,66094.171832042979,67823.529976968013,-1729.3581449250341,-2.549790825562015E-2,null,null,66094.171832042979,67823.529976968013,64385.730379257009,63599.307232305015,66436.635568235986,67495.793968957994,66575.248559892003,66852.717500662999,66297.150535260007,70942.022191236974,72011.145673427018,67748.80680230599,66747.234305767008,68936.003737596999,63625,60863,null,null,66436.635568235986,66297.150535260007,66747.234305767008,57633.112935000005,42578.249000000003,44205.905761000002,40457.265952000002,33156.348525000001,24889.548234000002,18169.461155000001,12082.772339469999,9365.1707364199992,7137.1917989999993]
["Debt securities issued",10593.069138919998,11532.645734748003,-939.57659582800443,-8.1471035999748809E-2,null,10593.069138919998,10097.922716928002,495.14642199199625,4.9034483217220481E-2,null,null,10593.069138919998,10097.922716928002,10847.169885392002,10510.588363662999,11532.645734748003,11113.245192086999,12034.807580655,12470.050607706002,13290.101542965998,13102.821045815001,12455.799065673998,13486.106883306,14366.813622366,15161.216553603001,15398,18946,null,null,11532.645734748003,13290.101542965998,14366.813622366,16555.382174000002,2526.6509999999998,3393.38319,2320.4280839999997,1421.7046319999999,759.07181800000001,662.45770200000004,432.90756406999998,405.56458380999999,416.95538099999999]
["Provisions for liabilities and charges",968.91299078300005,733.11599926899999,235.79699151400007,0.32163667379939387,null,968.91299078300005,980.00354467200009,-11.090553889000034,-1.1316850790281552E-2,null,null,968.91299078300005,980.00354467200009,739.33032420099994,775.23181342299995,733.11599926899999,703.1474533170001,677.86838636699997,706.11227302299994,720.99551395000003,677.27752984899996,699.46923911299996,756.55989125899998,770.956886951,725.30219434399999,654,691,null,null,733.11599926899999,720.99551395000003,770.956886951,671.9084620000001,311.53100000000001,436.76716399999998,315.00648899999999,217.64603500000001,131.467871,112.36839999999999,66.586753259999995,54.078357799999999,56.200142999999997]
["Trading liabilities",6877.4071650469996,5203.8937134090002,1673.5134516379994,0.32158870718781518,null,6877.4071650469996,6343.5150368250024,533.89212822199715,8.4163452773845071E-2,null,null,6877.4071650469996,6343.5150368250024,5715.3470001770002,5434.8725296539997,5203.8937134090002,5894.9178210149994,6082.1309427429987,7099.686564613,8824.242137184001,8768.4150042859965,10749.656720358002,9677.5788005069971,9714.9263020450035,9264.7154092739984,5653,4852,null,null,5203.8937134090002,8824.242137184001,9714.9263020450035,5741.5909790000005,514.19899999999996,1460.1345959999999,541.01006700000005,486.21842599999997,264.13875199999995,409.94411600000001,114.84250048999999,115.42868525,94.759945999999999]
["Derivatives",778.20504073099994,384.40821900099996,393.79682172999998,1.0244235223518352,null,778.20504073099994,698.04429320200006,80.160747528999877,0.11483619063955719,null,null,778.20504073099994,698.04429320200006,445.681915903,377.12942565099996,384.40821900099996,398.13774181200006,462.45082738500003,504.66266711299994,471.80375079700002,518.60641649499996,546.36211246100004,519.256168237,791.71962524399999,797.93490806700004,721,955,null,null,384.40821900099996,471.80375079700002,791.71962524399999,1263.5277269999999,259.43299999999999,831.89601500000003,154.26578700000002,20.398197,17.089933000000002,24.212666000000002,13.365174150000001,4.5903411600000004,1.566041]
["Other liabilities",1416.802654678999,1752.8613747449999,-336.05872006600089,-0.19172007832900617,null,1416.802654678999,1516.6075187530005,-99.804864074001443,-6.5807971304312152E-2,null,null,1416.802654678999,1516.6075187530005,1531.421790242,1490.2668022549999,1752.8613747449999,1596.3728793390001,2702.84223625,1741.5461183480002,1515.338269732001,1455.7558277269998,1272.8208080900001,2019.3639564749988,1515.024440554,1436.5308267730009,2094,1430,null,null,1752.8613747449999,1515.338269732001,1515.024440554,1243.38653,504.62900000000002,653.07305299999996,873.95495199999993,745.366039,539.97334000000001,288.41133399999995,343.30856159000001,188.06586348999997,168.34895599999999]
["Subordinated capital",4185.10818225,4127.5888551620001,57.519327087999955,1.3935333461341681E-2,null,4185.10818225,3965.6044800129998,219.5037022370002,5.5351889817383038E-2,null,null,4185.10818225,3965.6044800129998,4057.8109344619998,4054.0970449229999,4127.5888551620001,3861.3270779929999,3846.6344383220003,3917.3102953390003,3937.0491068669999,3754.2550655810001,3788.3356401999999,3799.2990515910001,4150.7331369490003,4091.4591370289995,4099,4007,null,null,4127.5888551620001,3937.0491068669999,4150.7331369490003,4001.0977599999997,2470.2849999999999,1684.456124,1531.7659580000002,1416.1601049999999,580.74556000000007,443.698014,310.58379112,193.52358790000002,133.34472200000002]
["Equity",8301.8349479299941,10363.797776834093,-2061.9628289040993,-0.19895822683004749,null,8301.8349479299941,9819.4557054910019,-1517.6207575610078,-0.15455243173125777,null,null,8301.8349479299941,9819.4557054910019,10845.669363931,12820.970016175082,10363.797776834093,10354.37672788487,10428.340596898983,11061.186446540049,10872.89279892205,11136.243621084939,10849.995984595604,11473.598400333192,10935.785951264921,10347.893078333978,10483,10672,null,null,10363.797776834093,10872.89279892205,10935.785951264921,10403.925360000001,7000.1819999999998,6518.2055099999998,6622.1376769999997,4589.5834610000002,3276.3625059999995,2176.8029999999999,1378.5179927599997,1146.1360949700002,881.34021600000005]
["   Consolidated equity",8300.0124565349979,9321.6379068230945,-1021.6254502880965,-0.10959720389270911,null,8300.0124565349979,9096.6831873470019,-796.67073081200397,-8.7578155070864749E-2,null,null,8300.0124565349979,9096.6831873470019,10024.172078050999,12168.518110055082,9321.6379068230945,9442.2672820878706,9463.8200366519814,10185.906000951982,9424.0580545763642,9405.5207183579369,9280.4898334077134,9869.3880235638953,8825.2281921489121,8550.3662132909867,8773,9297,null,null,9321.6379068230945,9424.0580545763642,8825.2281921489121,8250.7598429999998,5790.4629999999997,4613.1935429999994,4986.1795269999993,2803.6014569999998,2418.884607,1628.902,924.00524439999992,815.58630982000011,594.214966]
["   Consolidated profit/loss",-492.73843350000294,557.33561753899801,-1050.074051039001,"–",null,-492.73843350000294,225.23053427500099,-717.96896777500388,"–",null,null,-492.73843350000294,225.23053427500099,344.151334604,160.67891808899998,557.33561753899801,411.058452133,276.64072176299902,156.70436096399999,729.69170676450187,842.38450503300203,700.92723950300001,541.08983704599905,967.40624800500166,745.4774630349981,615,270,null,null,557.33561753899801,729.69170676450187,968.17636700500168,1087.4752879999999,212.18100000000001,981.98619400000007,841.25764400000003,1182.1264199999998,382.33416099999999,210.94399999999999,178.73315421999999,103.54902537000001,93.736979000000005]
["Non-controlling interests",494.56092489500003,484.82425247200001,9.7366724230000159,2.0082890600779724E-2,null,494.56092489500003,497.54198386899998,-2.98105897399995,-5.9915727127559659E-3,null,null,494.56092489500003,497.54198386899998,477.34595127599999,491.77298803100001,484.82425247200001,501.05099366399998,687.87983848399995,718.57608462400003,719.14303758100004,888.33839769400004,868.57891168489095,1063.120539723297,1142.894261113008,1052.04940200799,1095,1105,null,null,484.82425247200001,719.14303758100004,1142.894261113008,1065.690229,997.53800000000001,923.02577300000007,794.70050600000002,603.85558400000002,475.14373799999998,336.95699999999999,275.77959414000003,227.00075977999998,193.388271]
["Total equity and liabilities",121623.88252848595,130639.81293045607,-9015.9304019701231,-6.9013650584218156E-2,null,121623.88252848595,132015.81082920803,-10391.92830072208,-7.8717300870623452E-2,null,null,121623.88252848595,132015.81082920803,127279.09379010202,125410.48450436609,130639.81293045607,131034.48726953487,130305.74107505099,131932.20846045905,136116.02291149704,147128.17518405887,152717.27332423459,148798.18714633019,146985.00281708589,148367.741368727,137556,139463,null,null,130639.81293045607,136116.02291149704,146985.00281708589,131173.11410999999,76275.328999999998,85396.984805,72742.804514000003,55866.994520000007,40694.862458000003,28907.121831999997,20062.629091190003,14381.480334569998,11474.163280999999]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* Adaption of previous year's values due to retrospective application of IAS 19R.",null,null,null,null,null,null,null,null,null,null,"* Adaption of previous year's values due to retrospective application of IAS 19R."]

{"sheet":"Income statement","index":4,"n_rows":35,"n_cols":45,"rows_kept":35,"cut":false,"hidden":false,"merged":[[0,11,6,11],[0,29,6,29],[34,0,34,3]]}
["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,"Archive"]
[]
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[" \n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4 2014\n","Q3 2014\n","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4\n2011","Q3\n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","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"]
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["Interest income",5615.586682952001,6083.7295714029997,-468.14288845099873,-7.6949983222715512E-2,null,1309.7890727959993,1427.7535838070025,-117.9645110110032,-8.2622458349191685E-2,null,null,1309.7890727959993,1427.7535838070025,1436.0017920899991,1442.042234259,1520.1922991470005,1511.3036047649998,1561.7604796639989,1490.4731878269999,1519.6572858179979,1609.3962545180002,1689.9120567370001,1659.9187757920008,1757.4401377030024,1687.7769999999998,1600.9,1568.3,null,null,6083.7295714029997,6478.884372864999,6614.4171377030025,6364.799,7091.2980262698702,5588.5662999999995,6183.2780000000002,4606.006746,3249.099119,3249.099119,2102.8139000000001,1512.9920496755101,1115.4784968400002,856.00449616000014,700.52801328999988]
["Current income from associates",0,0.12201489500000001,-0.12201489500000001,"–",null,0,0,0,"–",null,null,0,0,0,0,3.8775258000000014E-2,3.370546E-2,6.5626150000000077E-3,4.2971561999999998E-2,8.5437310000000058E-3,3.0556013999999999E-2,-8.4133230000000003E-3,1.9805584000000001E-2,3.5968224000000014E-2,5.2999999999999999E-2,0,0,null,null,0.12201489500000001,5.0492006000000006E-2,8.8968224000000012E-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 ",-1826.6568732409999,-2354.9129634770002,528.25609023600032,-0.2243208553474676,null,-414.74818930800092,-487.56303492299895,72.814845614998035,-0.1493444752769203,null,null,-414.74818930800092,-487.56303492299895,-461.00597761099999,-463.339671399,-567.713959004,-571.17821723400004,-590.24148263299992,-625.77930460599998,-643.43121272399708,-775.13642412599916,-803.57135735500106,-784.640852365,-814.08585201400081,-745.17,-704,-684.1,null,null,-2354.9129634770002,-3006.7798465699975,-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",3788.9298097109991,3728.9386228209992,59.991186889999881,1.6088005987241472E-2,null,895.04088348799917,940.19054888400012,-45.149665396000955,-4.8021824352088349E-2,null,null,895.04088348799917,940.19054888400012,974.99581447899993,978.70256286000006,952.51711540099836,940.15909299100008,971.52555964600197,864.73685478299899,876.23461682500124,834.29038640600061,886.33228605900001,875.297729011,943.39025391300197,942.56,896.9,884.3,null,null,3728.9386228209992,3472.1550183010022,3667.150253913002,3578.1680000000001,3282.3639543898707,2936.5018,3232.01,2418.8484869999997,1763.881179,1763.881179,1202.0980750000001,803.4716318712666,563.68082275000006,393.69608988000005,264.1078163599999]
["Net provisioning for impairment losses",-1715.8999711300003,-1149.2150738570001,-566.68489727300016,0.49310604269320102,null,-633.00136513400014,-514.99367185600011,-118.00769327800003,0.22914396763888156,null,null,-633.00136513400014,-514.99367185600011,-286.541368046,-281.36356609400002,-349.71134074700012,-330.49022096099998,-249.29143318800001,-219.72207896099999,-385.45125130999998,-223.51055310199999,-246.91246013600002,-152.94849940999998,-281.94692444399993,-376.6040000000001,-196.8,-208.2,null,null,-1149.2150738570001,-1008.822763958,-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",2073.0298385809979,2579.7235489640011,-506.69371038300324,-0.19641395706392173,null,262.03951835399909,425.19687702799996,-163.15735867400087,-0.38372191210439366,null,null,262.03951835399909,425.19687702799996,688.45444643299891,697.33899676600004,602.80577465400006,609.66887203000192,722.23412645799908,645.01477582200005,490.78336551499979,610.77983330400025,639.41982592299996,722.34922960099993,661.44332946900192,565.95600000000002,700.1,676.1,null,null,2579.7235489640011,2463.3322543429999,2603.599329469002,2384.0839999999998,1050.1622453898703,1198.6193999999998,2451.7089999999998,2061.8723639999994,1455.0040979999999,1455.0040979999999,1034.8376490000003,665.87533487126666,476.08213024000003,344.18236350000001,249.75880551999987]
["Fee and commission income",2007.249637192001,2012.5136247490002,-5.2639875569991545,-2.6156282830908095E-3,null,530.33751597500009,518.25369348200093,12.083822492999161,2.331642329804029E-2,null,null,530.33751597500009,518.25369348200093,487.78984861099997,470.86857912400006,528.9768623340002,515.5581309590001,510.11162991999993,457.86700153599998,491.85726688400098,487.10690674999989,419.748686883,470.481557157,443.09819183100007,475.05900000000014,449.4,427.7,null,null,2012.5136247490002,1869.194417674001,1795.2571918310002,1753.2329999999999,1684.1545859999999,1441.4151999999999,1764.2360000000001,1474.6344040000001,1108.854795,1108.854795,518.75177799999994,395.932569,301.33362306999999,206.98022611000002,134.88127068000003]
["Fee and commission expense",-421.36174649800006,-386.34617639799995,-35.015570100000105,9.0632630110278001E-2,null,-112.9491788800001,-114.43948573499999,1.4903068549998864,-1.3022662985841205E-2,null,null,-112.9491788800001,-114.43948573499999,-98.616790876999957,-95.356291006000006,-105.38983441699989,-98.355958429000054,-99.342076348999996,-83.258307202999987,-95.843358728000055,-87.36117563800002,-44.989279696999972,-124.60158099500001,-77.674453199999959,-87.556000000000012,-69.5,-70.599999999999994,null,null,-386.34617639799995,-352.79539505800005,-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",1585.8878906940001,1626.1674483510012,-40.279557657001078,-2.4769624861109008E-2,null,417.38833709499926,403.81420774700092,13.574129347998337,3.3614788899410941E-2,null,null,417.38833709499926,403.81420774700092,389.173057734,375.51228811799996,423.58702791700136,417.20217252999998,410.76955357099996,374.60869433300002,396.01390815600081,399.74573111199999,374.75940718600003,345.87997616199999,365.42373863100022,387.60299999999995,379.8,357.1,null,null,1626.1674483510012,1516.3990226160008,1489.926738631,1490.7919999999999,1420.8903190000003,1223.0568000000001,1496.3689999999999,1249.8345480000003,933.28876000000002,933.28875999999991,406.83481599999999,299.65634299999999,213.11265437999995,134.50264239000003,79.615285810000017]
["Net trading income",-29.744396046999999,321.070655837,-350.81505188400001,"–",null,-68.146436704999999,29.548494537,-97.694931241999996,"–",null,null,-68.146436704999999,29.548494537,28.208173204999998,-19.354627084000001,80.787569117999993,99.829150380000044,60.115484168999956,80.338452170000011,-5.8010248839999861,53.571372429999997,84.909641343000004,82.005631115999989,70.282614465999956,36.777999999999992,132.80000000000001,123.4,null,null,321.070655837,214.685620005,363.26061446599999,328.12099999999998,418.88616000000002,186.33960000000002,167.642,127.89122900000001,174.823486,174.823486,300.80162800000005,220.144924,241.62423656999997,199.68648578,173.19922040000003]
["Net income from derivatives and liabilities",88.252786537999981,-256.66207712799996,344.91486366599997,"–",null,28.430577247999992,102.64704783799999,-74.21647059,-0.72302586536273505,null,null,28.430577247999992,102.64704783799999,-15.373506748,-27.451331799999998,-13.562796421999963,-55.639263352,-66.397850661000007,-121.06216669299999,-19.558682147000006,-87.790714038000004,-54.640527771000009,34.527827815000002,263.77665356,108.45099999999999,37.799999999999997,2.8,null,null,-256.66207712799996,-127.46209614100002,412.82765355999999,-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",62.484634415000002,57.742756381,4.7418780340000026,8.2120742603834174E-2,null,-38.835832222999997,23.075152419999998,-61.910984642999992,"–",null,null,-38.835832222999997,23.075152419999998,41.659946661999996,36.585367556000001,-15.415593856000008,9.1541273930000102,-23.267629693000003,87.271852537000001,19.179518508000001,45.957456808000018,-8.1170805720000203,261.39049188800004,4.6456580880000047,-157.72300000000001,-13.1,25.1,null,null,57.742756381,318.41038663200004,-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",-3023.5700388050022,-3339.5056123990021,315.93557359399983,-9.4605492627707011E-2,null,-728.42231571100228,-776.470830535,48.048514823997721,-6.1880643720887196E-2,null,null,-728.42231571100228,-776.470830535,-764.07695745500018,-754.59993510399988,-909.78885380200279,-812.84816408600011,-828.94103580299895,-787.92755870799999,-922.01071450899997,-818.41512028199998,-764.44844369700002,-753.22879999999998,-834,-772,-761,-753,null,null,-3339.5056123990021,-3258.1033379999999,-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",-723.70381903200098,-147.414545425,-576.28927360700095,3.9093107938944822,null,-351.62568256800091,-224.56499795900001,-127.0606846090009,0.56580805452236604,null,null,-351.62568256800091,-224.56499795900001,-90.310780342000001,-57.202358163000014,-30.034972507999996,-38.145729684000017,-58.330828122999989,-20.903015110000002,-50.230842689999996,-16.035696360999999,-27.817529331999999,-7.9512997149999993,-190.23958065400004,-15.427,-2.6,-23.9,null,null,-147.414545425,-102.03536809800001,-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",-9.7547466949999997,-6.4648113739999999,-3.2899353209999997,0.50889888825393581,null,-3.1820327999999565E-2,1.1863121090000004,-1.218132437,"–",null,null,-3.1820327999999565E-2,1.1863121090000004,-0.234318584999999,-10.674919891000002,-2.9894179999994108E-3,6.172977999999496E-3,1.9098359999999204E-2,-6.4870932939999992,13.689623983000001,2.6751292000000038E-2,-1.514389569,-6.5287662999999996E-2,3.5026439999996661E-3,2.0999999999999908E-2,-0.1,-2.5,null,null,-6.4648113739999999,12.136698043000001,-2.5754973560000005,4.734,-0.41266999999999987,7.6299999999999993E-2,7.86,26.516562999999998,506.55340200000001,20.074814430999918,0,0,0,0,0]
["Profit/loss before tax",22.882149649001999,834.65736320700103,-811.775213557999,-0.97258497839031577,null,-479.20365483799759,-15.567736814999245,-463.63591802299834,">500,0%",null,null,-479.20365483799759,-15.567736814999245,277.50006090399899,240.15348039799983,138.37516568299995,229.22733818900204,216.20091827799897,250.85394105700001,-77.934848067999297,187.83961426500099,242.550903511,684.90769999999998,341.58318493600018,153.27199999999993,473.5,405,null,null,834.65736320700103,1037.36317940001,1373.3551849360001,1287.3219999999999,790.29776938987038,367.59699999999947,1429.135,1237.6041239999997,1479.6124010000001,891.16531943100006,568.55677100000025,340.77226587126648,276.70077949,175.29302605000001,159.77183828999998]
["Income taxes  ",-485.96115124599999,-231.71099296999998,-254.25015827600001,1.0972727491997682,null,-242.90489527699998,-96.245282899000017,-146.65961237799996,1.5238109127062867,null,null,-242.90489527699998,-96.245282899000017,-79.474303540999998,-67.336669529000005,3.9488522970000304,-79.938150678999989,-78.839003299000012,-76.882691289000007,-59.1681363739999,-32.408416680000002,-82.854887305000005,-110.9389,-127.27552868200003,-70.866999999999976,-101.4,-99.7,null,null,-231.71099296999998,-285.3700259675,-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/loss after tax",-463.07900159699795,602.94637023699897,-1066.0253718339968,"–",null,-722.10855011499859,-111.81301971399925,-610.29553040099938,">500,0%",null,null,-722.10855011499859,-111.81301971399925,198.02575736300003,172.81681086899982,142.32401797999802,149.28918751000191,137.36191497899904,173.97124976800001,-137.10298444199898,155.431197585001,159.696016206,573.96879999999999,214.30665625400195,82.406000000000063,372,305.39999999999998,null,null,602.94637023699897,751.99315343249793,974.11265625400199,1177.1610000000001,530.9918773898703,287.09719999999948,1078.2550000000001,973.45509599999991,1274.3721130000001,685.92503143100009,459.5934960000003,269.7526958712665,227.44729543999998,136.04545467,127.09310541999997]
["Profit attributable to non-controlling interests",-29.659431903000002,-45.610752700000006,15.951320797000005,-0.34972719924001605,null,4.2395823399999948,-7.1211337119999971,11.360716051999992,"–",null,null,4.2395823399999948,-7.1211337119999971,-14.639987751,-12.13789278,3.9531474239999902,-14.87145714,-17.425554179999995,-17.266888804000001,24.340347940999994,-13.922182055,0.107636251000002,-32.827199999999998,7.8788417510000031,47.971999999999994,-27,-35.299999999999997,null,null,-45.610752700000006,-22.301446668000001,-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/loss",-492.73843349999902,557.33561753699996,-1050.074051036999,"–",null,-717.86896777499965,-118.93415342599924,-598.93481434900036,">500,0%",null,null,-717.86896777499965,-118.93415342599924,183.38576961199902,160.678918089001,146.27716540399894,134.41773037000104,119.93636079900099,156.70436096399899,-112.76263650099899,141.50901553000099,159.803652457,541.14160000000004,222.18649800500208,130.27699999999999,345.2,270,null,null,557.33561753699996,729.69170676449698,967.663498005002,1087.4749999999999,450.26529274292352,212.18069999999949,981.98599999999999,841.25764199999992,1182.1264199999998,593.67933843100013,382.33416,209.43746187126649,178.73315421999999,103.54182259000001,93.736978829999984]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* Adaption of previous year's values due to retrospective application of IAS 19R.",null,null,null,null,null,null,null,null,null,null,"* Adaption of previous year's values due to retrospective application of IAS 19R."]
[]
[]
[null,"1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4 2014\n","Q3 2014\n","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4\n2011","Q3\n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","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**",0.56459288661847862,0.58293483014071745,-1.8341943522238835,-3.1464826896363651E-2,null,0.5979607335103061,0.55838893945888479,3.9571794051421305,7.0867797076655803E-2,null,null,0.5979607335103061,0.55838893945888479,0.54517287304000406,0.56102180585621508,0.62245758638802529,0.55901009364326149,0.56501929262305373,0.58539084124016294,0.70943681578795714,0.62697316341479048,0.56053762979549671,0.56637369389528236,0.60619344321924706,0.56010776270519014,0.52833620568063677,0.5478607692005476,null,null,0.58293483014071745,0.61485368637566451,0.56023937564775439,0.54726265464433921,0.52548921361829848,0.52472249284146888,0.53953708532395939,0.57603113476381107,0.59059642590714534,0.59059642590714534,0.61597625152244651,0.63463839767086894,0.64682158991499072,0.70301429854317965,0.66749597879478395]
["Provisioning ratio (avg. loans and advances to customers)",2.125272495498225E-2,1.3912201505041234E-2,0.73405234499410166,0.52763205358124665,null,3.155626873624378E-2,2.521752588343714E-2,0.63387428528066392,0.25136259925363746,null,null,3.155626873624378E-2,2.521752588343714E-2,1.419743947066489E-2,1.3995024484717223E-2,1.7156787601405727E-2,1.6084885905320531E-2,1.20660291226112E-2,1.0574218429073797E-2,1.8452364519272971E-2,1.0680076606819862E-2,1.0607353072611046E-2,7.4999999999999997E-3,1.3846647367651493E-2,1.8741284728931034E-2,9.9114918880987887E-3,2.0892222739566896E-2,null,null,1.3912201505017019E-2,1.2123724456918516E-2,1.3380824021495345E-2]
["Return on equity before tax",2.1012445545549176E-3,7.8220229378586387E-2,-7.6118984824031468,-0.9731368142071678,null,"–","–","–","–",null,null,"–","–",9.3832234091236033E-2,7.8611882876807079E-2,5.3431412367912656E-2,8.8237677338041318E-2,8.0486059219813069E-2,9.1527737226219028E-2,-3.0383388960964409E-2,6.8322957498016645E-2,8.6937936365620291E-2,0.25090875026297582,0.12839234710276037,5.8858009096513716E-2,0.17905063203302404,0.15600776802700045,null,null,7.8220229378586387E-2,9.7124794907781475E-2,0.1371428633213429,0.13694938772287077]
["Earnings per share",-1.7295238152887336,1.8329807485929992,-3.562504563881733,"–",null,-2.1457302919286021,-0.46048999799439094,-1.685240293934211,3.6596675308347058,null,null,-2.1457302844674007,-0.46048999799439094,0.46379749242842849,0.41289897474462955,0.49386118275776192,0.43302729147088892,0.35874398375065275,0.5473482906239443,-0.83,0.46862948463785603,0.56270694369802188,2.5224171103546595,0.88499693000917112,0.41280852164267934,1.5170080333926961,1.1309797719974857,null,null,1.8329807485929992,2.7183382820516053,3.9457932570420322,4.5621606443530593,1.29,0.99,6.39,5.8022957287367447,8.290689328580962,4.17,2.7888417606925744,1.931740357029323,1.7873315422,1.0354182259,0.93736978829999995]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses).",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"]

{"sheet":"Equity","index":5,"n_rows":101,"n_cols":8,"rows_kept":101,"cut":false,"hidden":false,"merged":[[76,4,76,5],[76,6,76,7],[0,0,0,3],[76,2,76,3]]}
["Statement of changes in equity \nand comprehensive income"]
[]
["€ million","Subscribed \ncapital","Participation        capital/rights","Capital \nreserves","Retained \nearnings","Consolidated \nprofit/loss","Non-controlling\ninterests","Total"]
["Equity as at 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 at  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 at  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 at  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 31/12/2009",468.733116,600,2569.1316049999996,2152.5982790000007,212.18069999999949,997.53800000000001,7000.1816999999974]
["Merger effects (Merger with RZB Banking Business)",124.55475290000004,1900,-1.9506239999996069,299.75718109999934,0,2.8977599999999484,2325.2590700000019]
["Equity as of 1/1/2010",593.28786890000003,2500,2567.180981,2452.3554601000001,212.18069999999949,1000.43576,9325.4407699999992]
["Capital increases",0,0,0,0,0,3.0130556020000014,3.0130556020000014]
["Transferred to retained earnings",0,0,0,182.04434450399953,-182.04434450399953,0,0]
["Dividend payments",0,0,0,-304.7,-30.136355495999965,-49.304935099000005,-384.14129059499999]
["Comprehensive income",0,0,0,210.09360982028676,1087.4752880000001,98.191187314713204,1395.7600851350001]
["Own shares/share incentive program",3.5386099999999997E-2,0,0.69299999999999995,0,0,0,0.72864109999999993]
["Other changes",0,0,0,49.768937575712698,0,13.355161182286793,63.124098757999491]
["Equity as at 31/12/2010",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 at 31/12/2011",593.41212600000006,2500,2570.7784200000001,3161.0376461489127,967.66349800500166,1142.8942611130078,10935.785951266924]
["Effects of the retrospective application of IAS 19",0,0,0,-0.51286900000000002,0.51286900000000002,0,0]
["Equity as at 1/1/2012",593.41212600000006,2500,2570.7784200000001,3160.5247771489121,968.17636700500168,1142.894261113008,10935.785951266922]
["Capital increases",0,0,0,0,0,17.123768814999998,17.123768814999998]
["Transferred to retained earnings",0,0,0,563.88694635500167,-563.88694635500167,0,0]
["Dividend payments",0,0,0,0,-404.28942065000001,-58.428312194,-462.71773284400001]
["Total comprehensive income",0,0,0,65.050889430896106,729.69170676450199,43.566534168833073,838.30913036423112]
["Own shares/share incentive program",1.17865599999991,0,3.2468569999999999,0,0,0,4.4255129999999099]
["Other changes",0,0,0,-34.020713358449939,0,-426.01321432184102,-460.03392768029096]
["Equity as at 31/12/2012",594.59078199999999,2500,2574.0252770000002,3755.4418995763599,729.69170676450199,719.14303758100004,10872.892702921863]
["Capital increases",0,0,0,0,0,9.3580586409999995,9.3580586409999995]
["Transferred to retained earnings",0,0,0,301.60274683450183,-301.60274683450183,0,0]
["Dividend payments",0,0,0,0,-428.08895992999999,-56.454503313000004,-484.54346324300002]
["Total comprehensive income",0,0,0,-449.91930357498842,557.33561753900233,29.930763783922664,137.34707774793657]
["Own shares/share incentive program",0,0,1.0567550000000001,0,0,0,1.0567550000000001]
["Other changes",0,0,0,44.839653987219208,0,-217.15310422092264,-172.31345023370343]
["Equity as at 31/12/2013",594.59087799999998,2500,2575.162096,3651.8849328230954,557.33561753900233,484.82425247200001,10363.797776834097]
["Capital increases/decreases",297.29543799999999,-2500,2428.114939,0,0,8.6424277840000006,234.05280478400016]
["Transferred to retained earnings",0,0,0,59.065439679002338,-59.065439679002338,0,0]
["Dividend payments",0,0,0,0,-498.27017785999999,-41.184759678999995,-539.45493753899996]
["Total comprehensive income",0,0,0,-1273.9734836456707,-492.73843349999959,13.058278799156959,-1753.6536383465132]
["Own shares/share incentive program",-0.1440269999999777,0,-4.7933858200000943,4.9374128200000715,0,0,0]
["Other changes",0,0,-7.13499645,-24.99278698042508,0,29.220725518843039,-2.9070579115820436]
["Equity as at 31/12/2014",891.74228900000003,0,4991.2685887299995,2417.0015786960016,-492.73843349999959,494.56092489500003,8301.8349478210021]
[]
[]
[]
["Comprehensive income"]
[]
[null,null,"Total",null,"Group equity",null,"Non-controlling interests"]
["€ million",null,"1/1-31/12\n2014","1/1-31/12\n2013","1/1-31/12\n2014","1/1-31/12\n2013","1/1-31/12\n2014","1/1-31/12\n2013"]
["Profit/loss after tax",null,-463.0790015969996,602.94637023800237,-492.73843349999959,557.33561753900233,29.659431903000002,45.610752699000003]
["Items which are not reclassified to profit and loss",null,-9.7743989999999989,2.8620776899999996,-9.7743989999999989,2.8620776899999996,0,0]
["Remeasurements of defined benefit plans",null,-13.032532,3.8200789999999998,-13.032532,3.8200789999999998,0,0]
["Deferred taxes on items which are not reclassified to profit and loss",null,3.2581329999999999,-0.95800130999999999,3.2581329999999999,-0.95800130999999999,0,0]
["Items that may be reclassified subsequently to profit or loss",null,-1280.8002377495138,-468.46137018006573,-1264.1990846456708,-452.7813812649884,-16.601153103843043,-15.679988915077338]
["Exchange differences",null,-1335.2546485807632,-460.21002531706574,-1314.0183247658326,-439.93792699624862,-21.236323814930568,-20.27209832081714]
["hereof unrealized net gains (losses) of the period",null,-1335.2546485807632,-460.21002531706574,-1314.0183247658326,-439.93792699624862,-21.236323814930568,-20.27209832081714]
["hereof net gains (losses) reclassified to income statement",null,0,0,0,0,0,0]
["Capital hedge",null,2.0410370000000002,4.6559629999999999,2.0410370000000002,4.6559629999999999,0,0]
["Hyperinflation",null,39.161792306999999,31.157739223,34.360556570161798,27.337800394260199,4.8012357368382013,3.8199388287398008]
["Net gains (losses) on derivatives hedging fluctuating cash flows",null,-10.240513999999999,-16.363924000000001,-10.240513999999999,-16.363924000000001,0,0]
["hereof unrealized net gains (losses) of the period",null,-10.240513999999999,-16.363924000000001,-10.240513999999999,-16.363924000000001,0,0]
["hereof net gains (losses) reclassified to income statement",null,0,0,0,0,0,0]
["Changes in equity of companies valued at equity",null,0,0.224482826,0,0.224482826,0,0]
["Net gains (losses) on financial assets available-for-sale",null,21.411003255249319,-34.551599603999996,21.577068280999999,-35.323770180999993,-0.1660650257506775,0.77217057700000014]
["hereof unrealized net gains (losses) of the period",null,21.400697176602286,7.9425065657680261,21.566915587608936,6.4286906050343404,-0.16621841100664903,1.5138159607336861]
["hereof net gains (losses) reclassified to income statement",null,1.0306078647035801E-2,-42.494106169768017,1.015269339106427E-2,-41.752460786034334,1.5338525597153043E-4,-0.74164538373368583]
["Deferred taxes on income and expenses directly recognized in equity",null,2.081092269,6.6259936919999998,2.081092269,6.6259936919999998,0,0]
["hereof unrealized net gains (losses) of the period",null,2.0829197538103914,1.0757621857654813,2.0829197538103914,1.0757621857654813,0,0]
["hereof net gains (losses) reclassified to income statement",null,-1.8274848103915686E-3,5.5502315062345184,-1.8274848103915686E-3,5.5502315062345184,0,0]
["Sundry income and expenses directly recognized in equity",null,0,0,0,0,0,0]
["Other comprehensive income",null,-1290.5746367495137,-465.59929249006575,-1273.9734836456707,-449.91930357498842,-16.601153103843043,-15.679988915077338]
["Total comprehensive income",null,-1753.6536383465132,137.34707774793657,-1766.7119171456702,107.41631396401391,13.058278799156959,29.930763783922664]

{"sheet":"Segment overview","index":6,"n_rows":276,"n_cols":10,"rows_kept":276,"cut":false,"hidden":false,"merged":[[67,0,67,9],[169,0,169,9]]}
["Segment Overview"]
[]
["1/1-31/12/2014\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CEE\nOther","Group \ncorporates","Group \nmarkets","Corporate \ncenter","Reconciliation","Total"]
["Net interest income",1021.540134651,835.35552120199895,834.58120927000004,385.81838574,468.77970274099999,136.13893229600001,1052.5107570600001,-945.79483324899957,3788.9298097109991]
["Net fee and commission income ",530.95627322400003,358.31189355000004,304.22501061100002,193.933015256,139.83968709599998,109.669013244,-8.9454933089999997,-42.101508977999913,1585.8878906940001]
["Net trading income",20.246898383000001,56.428906454000007,-64.976453883000005,-111.663557942,5.9006530050000006,96.036038912000009,-54.491957020000001,22.775076043999988,-29.744396046999999]
["Sundry net operating income",-53.429772452999984,33.209827793000002,7.6853391590000006,-16.450986536000002,0.26008614800000029,24.955315946999999,135.75363458499996,-121.74655918600097,10.236885456999005]
["Operating income",1519.3135338049999,1283.3061489989991,1081.5151051570001,451.63685651800006,614.78012898999987,366.799300399,1124.8269413159999,-1086.8678253690011,5355.310189814998]
["General administrative expenses",-987.326118393,-688.57716605199994,-476.72586034999995,-296.06784685800005,-180.07309953400002,-243.974693879,-271.010989618,120.18573587899725,-3023.5700388050022]
["Operating result",531.9874154119999,594.72898294699917,604.78924480700005,155.56900966000003,434.70702945599982,122.82460652,853.81595169799994,-966.68208949000336,2331.7401510099953]
["Net provisioning for impairment losses",-271.65673893100001,-254.145493222,-152.01398853799998,-542.10409636700001,-490.37313189399998,1.17625961,-9.7125467400000005,2.9297649519995321,-1715.8999711300003]
["Other results",-325.91142387000002,7.8845470239999997,-16.799991518000002,133.089324336,-4.5513597170000004,-13.490640365999999,-336.65441074799998,-36.524075372000048,-592.95803023100007]
["Profit/loss before tax",-65.580747388999995,348.46803674900002,435.97526475099897,-253.445762371,-60.217462155,110.510225764,507.44899420999997,-1000.2763999099971,22.882149649001999]
["Income taxes  ",-92.243510121000014,-52.435349359,-95.749999427000006,27.424037927000001,-87.239700476999985,-12.964694159,-172.75193447999999,-1.1499999673105775E-6,-485.96115124599999]
["Profit/loss after tax",-157.82425751,296.03268738999998,340.22526532399996,-226.021724444,-147.45716263200001,97.545531605000008,334.69705973000003,-1000.2764010599981,-463.07900159699795]
["Profit attributable to non-controlling interests",-43.44844803315781,-0.2856423367059725,7.4675264131462011,4.887187615640201,-4.2185062500000002E-2,-2.5114031800000046E-3,-2.0558524217878005,3.8204933255451832,-29.659431903000002]
["Consolidated profit/loss",-201.27270554315783,295.74704505329396,347.69279173714614,-221.13453682835978,-147.49934769449999,97.543020201820013,332.64120730821224,-996.45590773445349,-492.73843349999902]
[]
["Risk-weighted assets (credit risk)",19453.79557176579,11375.393797823734,7098.3624702525112,3931.7047965183815,11695.844282122898,3102.2920253709385,16593.452761551391,-16203.07052085101,57047.77518455463]
["Risk-weighted assets (total RWA )",22777.146430251163,13678.791867595482,8372.166409980262,4626.1313050035069,12635.681600872897,3937.1545370899398,18737.631124051393,-16043.579111288942,68721.124163555694]
["Total capital requirement",1822.1717144200929,1094.3033494076387,669.77331279842087,370.09050440028057,1010.8545280698318,314.97236296719518,1499.0104899241114,-1283.4863289031164,5497.6899330844553]
["Total assets",40771.490518790051,21370.657001887001,12457.056123515998,4043.3965877710007,18617.541820276998,17634.652915862003,31094.990613505015,-24365.903056824052,121623.882524784]
["Liabilities",37107.868745720967,18368.423552381992,11051.593646743993,3492.2293412950016,16712.477121395001,18094.349338581989,22450.159669486991,-13955.053835049972,113322.04758055595]
["Net interest margin (avg. interest bearing assets)",2.7658261767047106E-2,4.2712620039116425E-2,5.9242360688049903E-2,8.9168513940083807E-2,2.3064594582009296E-2,9.8295813923107208E-3,"–","–",3.2389622287879782E-2]
["NPL Ratio",0.10280899489914318,0.13203592058799488,5.9094298881198742E-2,0.33720202480681777,0.10536431827145745,5.5351590373862815E-2,"–","–",0.11340027605047699]
["NPL Coverage Ratio",0.67969947723385549,0.6654320879064517,0.70466408260975777,0.87040695542495228,0.53452841537207096,0.7608006599995627,"–","–",0.67373258880857456]
["Cost/income ratio ",0.64985014378192252,0.53656500172550536,0.44079445407357054,0.65554403407331341,0.29290650598911777,0.6651449269767068,0.240935720565982,"–",0.56459288661847862]
["Provisioning ratio (avg. loans and advances to customers)",9.380955025489102E-3,1.8485928230221479E-2,1.5217980543149221E-2,0.1346153824622118,2.4218841932044082E-2,-3.5097877007835747E-4,"–","–",2.125272495498225E-2]
["Average equity ",3344.5161348592578,2090.0632293826288,1514.7586347610982,762.63953344360789,1887.1209109173851,655.28310955746576,2662.8517516448824,-2027.425357463625,10889.807947102699]
["Return on equity before tax","–",0.16672607404893292,0.28781830632690819,"–","–",0.16864500877892488,0.19056599523294579,"–",2.1012445545549176E-3]
["Business outlets",784,1087,212,769,8,5,1,"–",2866]
["indicative loans and advances to customers",29169.698835982999,13379.562070196002,8388.728983852001,3758.7881062930014,19007.823856993,4815.3827592919997]
["indicative deposits from customers",26533.026574555999,14991.865673158003,7316.7048099999984,2407.683685299,13086.812828644002,2343.0111778400001]
[]
[]
[]
["1/1-31/12/2013\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CEE\nOther","Group \ncorporates","Group \nmarkets","Corporate Center1","Reconciliation","Total"]
["Net interest income",1067.800074324,861.625806152,722.48301780599991,422.13022338200005,478.24591757000002,148.43465104000001,664.85652278600003,-636.63759023900104,3728.9386228209992]
["Net fee and commission income ",546.16850430299996,348.04694607699997,308.45762702200005,210.207534907,159.36554288100001,121.05902079399999,-39.936744163999997,-27.200983468998807,1626.1674483510012]
["Net trading income",28.304034204000001,52.876782697999992,155.728227882,11.72397449,-16.345313494999999,83.767990870000006,9.5851068490000007,-4.5701476609999698,321.070655837]
["Sundry net operating income",14.481606711999994,22.409338205000005,-0.33333485200000001,-5.9372347750000003,0.35017230399999999,22.041260925000003,139.442862846,-139.85102751700001,52.60364384799999]
["Operating income",1656.7542195429999,1284.958873132,1186.335537858,638.12449800400009,621.61631926000007,375.30292362900002,773.94774831699999,-808.25974888599922,5728.780370857]
["General administrative expenses",-1098.3626889029999,-698.23514888199986,-552.47487566799998,-357.618706734,-190.93746236800004,-252.69510097099999,-329.096257116,139.91462824299779,-3339.5056123990021]
["Operating result",558.39153063999981,586.72372425000003,633.86066219000008,280.50579127000003,430.67885689199994,122.60782265800005,444.85149120099999,-668.34512064300191,2389.2747584579984]
["Net provisioning for impairment losses",-403.17254742799997,-325.85597674600001,-48.093248810000006,-107.60504584900001,-257.99930281799999,-15.418026300000001,5.6255340900000004,3.3035400039998932,-1149.2150738570001]
["Other results",-89.941303935999997,16.341477913000002,29.011784900999999,43.972360037999998,1.0815619999999999,18.096067659999996,-388.54512514700002,-35.419144823000011,-405.40232139399996]
["Profit/loss before tax",65.277679276000001,277.20922541700003,614.77919828099903,216.87310545899999,173.761116074,125.28586401800001,61.931900143999997,-700.46072546199798,834.65736320700103]
["Income taxes ",-58.268249159,-29.171880144000003,-146.06122088299998,-47.017091961000006,-35.730680163000002,-23.120372061000001,108.18030632999999,-0.52180492899999809,-231.71099296999998]
["Profit/loss after tax",7.009430117,248.037345273,468.71797739800002,169.85601349799998,138.03043591100001,102.165491957,170.112206474,-700.98253039100098,602.94637023699897]
["Profit attributable to non-controlling interests",-28.074529888104582,-0.50139056048045993,-1.5997354210000001,-11.882110175289423,-0.1186185,-2.8216544900000026E-3,-11.307369758999998,7.8758232583644601,-45.610752700000006]
["Consolidated profit/loss",-21.065099771104581,247.53595471251955,467.11824197700003,157.97390332271056,137.91181741099999,102.16267030250999,158.80483671500002,-693.10670713263596,557.33561753699996]
[]
["Risk-weighted assets (credit risk)",20931.754473157391,12471.468659634727,9239.4435069069532,5041.646928440874,12935.642619559068,3920.4725229513128,15630.927812382412,-14837.19402303274,65334.162499999999]
["Risk-weighted assets (total RWA )",24400.322378247391,15097.089633785354,11535.902572529829,6175.3262998468754,13845.713382059068,5613.634086852876,16670.487674882414,-13441.951028203806,79896.524999999994]
["Total own funds requirement",1952.0257902597914,1207.7671707028283,922.87220580238625,494.02610398774999,1107.6570705647255,449.09072694823004,1333.639013990593,-1075.3560822563049,6391.7219999999998]
["Total assets",38420.812507057009,21159.716160717009,15554.626103840001,5809.2177944499972,20812.27636084699,20271.05414439501,34716.288999147015,-26104.179139996992,130639.81293045604]
["Liabilities",34777.889270168991,18163.45466971504,13194.456256452984,4657.4094105219965,13556.707906135007,18687.417445418003,29687.473156913991,-12448.792961704046,120276.01515362198]
["Net interest margin (avg. interest bearing assets)",2.9157777463900664E-2,4.3653566342139384E-2,4.8043920837429303E-2,7.6005523846185807E-2,2.3355424982246173E-2,7.4071259206497106E-3,"–","–",3.1124501339627152E-2]
["NPL Ratio",0.12248273925705526,0.13949246062889556,4.8211347256953585E-2,0.24385138863177916,6.7321250645277719E-2,7.4692465345926259E-2,"–","–",0.10736625018726137]
["NPL Coverage Ratio",0.64341358962872308,0.62928181675300499,0.77830552408341547,0.72200520481323838,0.46991491543493719,0.90932795807983724,"–","–",0.63123138989185645]
["Cost/income ratio ",0.66296055018104805,0.54339104813533767,0.46569866453257103,0.56042152879665541,0.30716288561294619,0.6733097054708741,0.50203017709130471,"–",0.58293483014071745]
["Provisioning ratio (avg. loans and advances to customers)",1.3747042516021251E-2,2.2798769506888143E-2,4.8243560882395243E-3,2.2926209211377068E-2,1.2711392621629384E-2,4.7203406389363343E-3,"–","–",1.3912201505041234E-2]
["Average equity ",3233.2488100293795,2018.4414074335959,1590.1860901504383,831.21025734655541,1802.9802278451189,662.07115287231386,2286.7519814911825,-1754.2911183974836,10670.598808771099]
["Return on equity before tax",2.0189500750301629E-2,0.13733825732869079,0.38660833602364003,0.26091245090179316,9.6374388021811724E-2,0.18923323191844679,2.7082910890762354E-2,"–",7.8220229378586387E-2]
["Business outlets",802,1115,195,899,9,4,1,"–",3025]
["indicative loans and advances to customers",28647.14222006499,13930.745849911998,9966.8247900019996,4542.9504798629996,20401.080072572,2670.3898857300001]
["indicative deposits from customers",24942.335275137993,14341.848062787001,9924.3033133890003,3275.1131721639999,10708.008805465999,2131.1239887900001]
["1 Segment Corporate Center: As of fourth quarter 2014, disclosure of investments in cash generating units was changed. On the one hand, goodwill and impairment of goodwill is assigned to the segment in which the investment is recognized, on the other, changes in carrying amount of investments in subsidiaries are eliminated in order to represent the Group-relevant effects in the respective segment. Till that time they were shown under reconciliation. The previous year figures were adapted accordingly."]
[]
[]
["Share in assets 31/12/2014",0.33522602364286314,0.17571102449826972,0.1024227796787983,3.3245087262750835E-2,0.15307472047262752,0.14499333971079642,0.25566517009657713,-0.20033814536268296,1]
["Share in assets 31/12/2013",0.29409727130817082,0.16196989023538358,0.11906497533122043,4.4467438096703636E-2,0.15931036560750483,0.15516750743654212,0.26574049840095576,-0.19981794641648118,1]
[]
[]
["Net Interest Margin (total assets)","Central \nEurope","Southeastern \nEurope","Russia","CEE \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","CEE\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,"–","–",2.6557696374522474E-2]
["Quarter 1 2013",2.7736911271134448E-2,4.1978320453388174E-2,5.1213874567298645E-2,6.5853460655402124E-2,2.1700967809864399E-2,8.4009613010257497E-3,"–","–",2.8899999999999999E-2]
["Quarter 2 2013",2.9824669995589817E-2,4.3899834025904909E-2,4.7525226548206026E-2,7.1317074933036323E-2,2.5547100245055951E-2,9.068494500636029E-3,"–","–",3.2530163067900193E-2]
["Quarter 1-2 2013",2.87096046024755E-2,4.2770860425202416E-2,4.9016151888171967E-2,6.8602469250093237E-2,2.4056726747058148E-2,8.7148653135225053E-3,"–","–",3.0611952625405878E-2]
["Quarter 3 2013",2.9889397867714339E-2,4.4620531968507189E-2,4.6381633175050271E-2,8.0807545860753061E-2,2.24639336789716E-2,9.3915911325337109E-3,"–","–",3.1458770280162661E-2]
["Quarter 1-3 2013",2.904737353697321E-2,4.3345033725963905E-2,4.8056748816355882E-2,7.2693696436929717E-2,2.3177440776692357E-2,7.2081622777010737E-3,"–","–",3.0840321248631682E-2]
["Quarter 4 2013 ",2.9401943057675645E-2,4.4237369883520838E-2,4.7912652179844827E-2,8.5884276943484703E-2,2.3378549915630559E-2,9.517201748387747E-3,"–","–",3.2050200366372024E-2]
["Financial Year  2013 ",2.9157777463900664E-2,4.3653566342139384E-2,4.8043920837429303E-2,7.6005523846185807E-2,2.3355424982246173E-2,7.4071259206497106E-3,"–","–",3.1124501339627152E-2]
["Quarter 1 2014",2.8734090336360676E-2,4.3003862674735792E-2,5.4629534175106957E-2,8.8936802473091131E-2,2.3852248533869497E-2,1.0858314822250886E-2,"–","–",3.3520505383763902E-2]
["Quarter 2 2014",2.8976496187553196E-2,4.3271816412098867E-2,5.7420637966179834E-2,9.0016520128333874E-2,2.4063155384527253E-2,9.5513892708218601E-3,"–","–",3.3381169313128664E-2]
["Quarter 1-2 2014",2.8868052780737466E-2,4.3079972310207146E-2,5.5830145260697475E-2,8.9759254255894469E-2,2.4022871879581346E-2,1.0703019449912402E-2,"–","–",3.3271072667434322E-2]
["Quarter 3 2014",2.7441501853663845E-2,4.2818971304366252E-2,6.372554425417036E-2,8.9877187057089691E-2,2.5094044552034865E-2,9.4859799863729957E-3,"–","–",3.2339941965731568E-2]
["Quarter 1-3 2014",2.8424203450553479E-2,4.3026178343859509E-2,5.8715313761407283E-2,8.9653741938785267E-2,2.42955321313712E-2,9.8432776691712038E-3,"–","–",3.2913886826848461E-2]
["Quarter 4 2014 ",2.5390258822243803E-2,4.1663736146369833E-2,6.0858049666627008E-2,8.7949415889733762E-2,1.8262673935954071E-2,9.455618319548692E-3,"–","–",3.0634089566252985E-2]
["Financial Year  2014 ",2.7658261767047106E-2,4.2712620039116425E-2,5.9242360688049903E-2,8.9168513940083807E-2,2.3064594582009296E-2,9.8295813923107208E-3,"–","–",3.2389622287879782E-2]
[]
[]
[]
[]
[]
[]
[]
["1/1-31/12/2013\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CEE\nOther","Group \ncorporates","Group \nmarkets","Corporate Center3","Reconciliation","Total"]
["Net interest income",1067.800074324,861.625806152,722.48301780599991,422.13022338200005,478.24591757000002,148.43465104000001,664.85652278600003,-636.63759023900104,3728.9386228209992]
["Net fee and commission income ",546.16850430299996,348.04694607699997,308.45762702200005,210.207534907,159.36554288100001,121.05902079399999,-39.936744163999997,-27.200983468998807,1626.1674483510012]
["Net trading income",28.304034204000001,52.876782697999992,155.728227882,11.72397449,-16.345313494999999,83.767990870000006,9.5851068490000007,-4.5701476609999698,321.070655837]
["Sundry net operating income1",14.481606711999994,22.409338205000005,-0.33333485200000001,-5.9372347750000003,0.35017230399999999,22.041260925000003,139.442862846,-139.85102751700001,52.60364384799999]
["Operating income",1656.7542195429999,1284.958873132,1186.335537858,638.12449800400009,621.61631926000007,375.30292362900002,773.94774831699999,-808.25974888599922,5728.780370857]
["General administrative expenses",-1098.3626889029999,-698.23514888199986,-552.47487566799998,-357.618706734,-190.93746236800004,-252.69510097099999,-329.096257116,139.91462824299779,-3339.5056123990021]
["Operating result",558.39153063999981,586.72372425000003,633.86066219000008,280.50579127000003,430.67885689199994,122.60782265800005,444.85149120099999,-668.34512064300191,2389.2747584579984]
["Net provisioning for impairment losses",-403.17254742799997,-325.85597674600001,-48.093248810000006,-107.60504584900001,-257.99930281799999,-15.418026300000001,5.6255340900000004,3.3035400039998932,-1149.2150738570001]
["Other results2",-89.941303935999997,16.341477913000002,29.011784900999999,43.972360037999998,1.0815619999999999,18.096067659999996,-388.54512514700002,-35.419144823000011,-405.40232139399996]
["Profit/loss before tax",65.277679276000001,277.20922541700003,614.77919828099903,216.87310545899999,173.761116074,125.28586401800001,61.931900143999997,-700.46072546199798,834.65736320700103]
["Income taxes  ",-58.268249159,-29.171880144000003,-146.06122088299998,-47.017091961000006,-35.730680163000002,-23.120372061000001,108.18030632999999,-0.52180492899999809,-231.71099296999998]
["Profit/loss after tax",7.009430117,248.037345273,468.71797739800002,169.85601349799998,138.03043591100001,102.165491957,170.112206474,-700.98253039100098,602.94637023699897]
["Profit attributable to non-controlling interests",-28.074529888104582,-0.50139056048045993,-1.5997354210000001,-11.882110175289423,-0.1186185,-2.8216544900000026E-3,-11.307369758999998,7.8758232583644601,-45.610752700000006]
["Consolidated profit/loss",-21.065099771104581,247.53595471251955,467.11824197700003,157.97390332271056,137.91181741099999,102.16267030250999,158.80483671500002,-693.10670713263596,557.33561753699996]
[]
["Risk-weighted assets (credit risk)",20931.754473157391,12471.468659634727,9239.4435069069532,5041.646928440874,12935.642619559068,3920.4725229513128,15630.927812382412,-14837.19402303274,65334.162499999999]
["Risk-weighted assets (total RWA)",24400.322378247391,15097.089633785354,11535.902572529829,6175.3262998468754,13845.713382059068,5613.634086852876,16670.487674882414,-13441.951028203806,79896.524999999994]
["Total own funds requirement",1952.0257902597914,1207.7671707028283,922.87220580238625,494.02610398774999,1107.6570705647255,449.09072694823004,1333.639013990593,-1075.3560822563049,6391.7219999999998]
["Total assets",38420.812507057009,21159.716160717009,15554.626103840001,5809.2177944499972,20812.27636084699,20271.05414439501,34716.288999147015,-26104.179139996992,130639.81293045604]
["Liabilities",34777.889270168991,18163.45466971504,13194.456256452984,4657.4094105219965,13556.707906135007,18687.417445418003,29687.473156913991,-12448.792961704046,120276.01515362198]
["Net interest margin (avg. interest bearing assets)",2.9157777463900664E-2,4.3653566342139384E-2,4.8043920837429303E-2,7.6005523846185807E-2,2.3355424982246173E-2,7.4071259206497106E-3,"–","–",3.1124501339627152E-2]
["NPL Ratio",0.12248273925705526,0.13949246062889556,4.8211347256953585E-2,0.24385138863177916,6.7321250645277719E-2,7.4692465345926259E-2,"–","–",0.10736625018726137]
["NPL Coverage Ratio",0.64341358962872308,0.62928181675300499,0.77830552408341547,0.72200520481323838,0.46991491543493719,0.90932795807983724,"–","–",0.63123138989185645]
["Cost/income ratio ",0.66296055018104805,0.54339104813533767,0.46569866453257103,0.56042152879665541,0.30716288561294619,0.6733097054708741,0.50203017709130471,"–",0.58293483014071745]
["Provisioning ratio (avg. loans and advances to customers)",1.3747042516021251E-2,2.2798769506888143E-2,4.8243560882395243E-3,2.2926209211377068E-2,1.2711392621629384E-2,4.7203406389363343E-3,"–","–",1.3912201505041234E-2]
["Average equity ",3233.2488100293795,2018.4414074335959,1590.1860901504383,831.21025734655541,1802.9802278451189,662.07115287231386,2286.7519814911825,-1754.2911183974836,10670.598808771099]
["Return on equity before tax",2.0189500750301629E-2,0.13733825732869079,0.38660833602364003,0.26091245090179316,9.6374388021811724E-2,0.18923323191844679,2.7082910890762354E-2,"–",7.8220229378586387E-2]
["Business outlets",802,1115,195,899,9,4,1,"–",3025]
["indicative loans and advances to customers",28647.14222006499,13930.745849911998,9966.8247900019996,4542.9504798629996,20401.080072572,2670.3898857300001]
["indicative deposits from customers",24942.335275137993,14341.848062787001,9924.3033133890003,3275.1131721639999,10708.008805465999,2131.1239887900001]
["1 Excluding impairment of goodwill and bank levies."]
["2 Including impairment of goodwill and bank levies."]
["3 Segment Corporate Center: As of fourth quarter 2014, disclosure of investments in cash generating units was changed. On the one hand, goodwill and impairment of goodwill is assigned to the segment in which the investment is \nrecognized, on the other, changes in carrying amount of investments in subsidiaries are eliminated in order to represent the Group-relevant effects in the respective segment. Till that time they were shown under reconciliation. The previous year figures were adapted accordingly."]
[]
["1/1-31/12/2012\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CEE\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]
["Sundry net operating income1",35.461752616999895,39.716447076999998,-4.8566846469999998,-5.165401930999999,11.525575204999999,13.859078055999998,146.35214000399998,-143.36327978799989,93.529626592999989]
["Operating income",1582.0757998039999,1280.9676907219998,1098.2698111170002,601.97799865100001,594.63344076099997,356.45971228400003,569.36979212799997,-786.98495795199642,5296.7692875150024]
["General administrative expenses3",-1036.922751502,-701.64627580999991,-510.96902203399998,-383.96538182099999,-177.104669626,-256.400050824,-328.27418033800001,137.17899395499973,-3258.1033379999999]
["Operating result",545.15304830199989,579.32141491199991,587.30078908300027,218.01261682999996,417.52877113499994,100.0596614599999,241.09561178999999,-649.80596399699743,2038.6659495150025]
["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 results2",25.060225516000109,10.778800535999999,-4.7199495249999996,-21.286337206999999,14.440151531,176.1123896,-639.95700276600007,447.09171615800005,7.5199938430000373]
["Profit/loss before tax",52.992812716999964,302.693849935,598.52704219200029,108.03647596499999,318.90915767999996,258.39886985999993,-399.48078167599999,-202.71424727299018,1037.36317940001]
["Income taxes3  ",-67.654355124999995,-35.935605302000006,-125.663952962,-47.163426437000005,-71.582843725999993,-67.880665136999994,131.94756153100002,-1.4367388095000642,-285.3700259675]
["Profit/loss after tax",-14.661542408000038,266.758244633,472.86308923000036,60.873049527999989,247.32631395399994,190.51820472299994,-267.53322014500003,-204.15098608250213,751.99315343249793]
["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,-200.93173389194152,729.69170676449698]
[]
["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)",2.8500000000000001E-2,4.2099999999999999E-2,5.2900000000000003E-2,7.1199999999999999E-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",0.64029137200724373,0.61975739028694588,0.99967306893992125,0.70188943697728601,0.60724965217804538,0.90295935517021497,"–","–",0.67019572769684488]
["Cost/income ratio - old",0.67827436965349863,0.54774705161730242,0.46524908256771319,0.63783956005276876,0.29783839502760728,0.72147578681337055,0.70346307254399065,"–",0.63364767385359877]
["Cost/income ratio ",0.65541913455124101,0.54774705161730242,0.46524908256771319,0.63783956005276876,0.29783839502760728,0.71929601575765156,0.57655707218165997,"–",0.61485368637566451]
["Provisioning ratio (avg. loans and advances to customers)",1.8244756694875585E-2,1.9275420627996833E-2,-1.7025132000222584E-3,1.8263747956025346E-2,5.5864312333395562E-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",29933.602408173003,14499.947931308003,9668.5162179899999,4627.3487078089993,19130.583807255,5115.0628960000004]
["indicative deposits from customers",26874.921067642001,14193.563708826001,9608.885433169,3517.8819927010004,9659.7541844999996,2103.1732780000002]
["1 Excluding impairment of goodwill and bank levies."]
["2 Including impairment of goodwill and bank levies."]
["3 Adaption of previous year's values due to retrospective application of IAS 19R."]
[]
["1/1-31/12/2011\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CEE\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,-381.45866448899801,3667.150253913002]
["Net fee and commission income ",490.57600000000002,364.93700000000001,237.69200000000001,175.54599999999999,177.798,114.60299999999999,-64.740390454999996,-6.4848709139999983,1489.926738631]
["Net trading income",76.67,41.448,38.155000000000001,-0.51100000000000001,21.062000000000001,176.01499999999999,37.648093215000003,-27.226478749000037,363.26061446599999]
["Sundry net operating income1",8.6637585860000002,40.097999999999999,-12.595000000000001,-6.5780000000000003,5.952,28.716564999999999,101.84267386399999,-117.52010618399999,48.579891266000004]
["Operating income",1678.3517585860002,1365.567,853.35299999999995,583.90899999999999,634.15599999999995,548.584565,437.68629502599998,-532.69012033600052,5568.9174982759996]
["General administrative expenses",-938.37,-746.46500000000003,-487.69499999999999,-335.97500000000002,-140.99199999999999,-263.59399999999999,-317.69343572299999,110.34470445499875,-3120.4397312680012]
["Operating result",739.98175858599996,619.10199999999998,365.65800000000002,247.935,493.16399999999999,284.98956499999997,119.99285930299999,-422.34541588100149,2448.4777670079984]
["Net provisioning for impairment losses",-646.14700000000005,-257.87200000000001,42.061999999999998,-127.685,-115.52,-13.544,55.156593299999997,-1.5177439999263242E-3,-1063.550924444]
["Other results2",-60.881758586000004,-9.9670000000000005,25.989000000000001,-14.625999999999999,-3.9660000000000002,-5.1985649999999994,-239.81198408400002,296.890650042,-11.571657627999997]
["Profit/loss before tax",32.953000000000003,351.26299999999998,433.70800000000003,105.624,373.678,266.29300000000001,-64.662531480999988,-125.5012835829999,1373.3551849360001]
["Income taxes  ",-65.676000000000002,-46.552,-112.129,-51.610999999999997,-75.95,-71.629000000000005,24.353445897999997,-4.8974579999971013E-2,-399.242528682]
["Profit/loss after tax",-32.722999999999999,304.70999999999998,321.57900000000001,54.012999999999998,297.72699999999998,194.66399999999999,-40.309085582999984,-125.54825816299794,974.11265625400199]
["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,-133.943101622998,967.663498005002]
[]
["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 - old",0.56258639907753771,0.54663384315264052,0.57150467595527343,0.57538843503917392,0.22233001984046877,0.48125501240011126,0.89361715401151942,"–",0.56979877299114789]
["Cost/income ratio ",0.55910205755517994,0.54663384315264052,0.57150467595527343,0.57538843503917392,0.22233001984046877,0.48049918959000437,0.72584734622345881,"–",0.56023937564775439]
["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]
["1 Excluding impairment of goodwill and bank levies."]
["2 Including impairment of goodwill and bank levies."]
[]
[]
["1/1-31/12/2010\n€ million","Central \nEurope","Southeastern \nEurope","Russia","CEE\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]
["Sundry net operating income1",-16.338010000000004,37.244999999999997,-28.39,-7.875,2.0089999999999999,29.513000000000002,132.77199999999999,-101.20000000000002,47.735989999999994]
["Operating income",1609.96299,1378.798,767.23099999999999,622.13099999999997,547.24,513.73400000000004,426.49900000000002,-420.77800000000047,5444.8179899999996]
["General administrative expenses",-883.34699999999998,-737.90099999999995,-414.94299999999998,-346.30099999999999,-141.77199999999999,-240.70400000000001,-306.82600000000002,92.049000000000007,-2979.7449999999999]
["Operating result",726.61698999999999,640.89800000000002,352.28699999999998,275.83,405.46800000000002,273.03100000000001,119.673,-328.73100000000011,2465.0729900000001]
["Net provisioning for impairment losses",-408.21100000000001,-335.31900000000002,-76.929000000000002,-213.57499999999999,-129.05500000000001,-30.995000000000001,0,0,-1194.0840000000001]
["Other results2",-49.262989999999995,-0.88500000000000001,-8.4049999999999994,26.902999999999999,18.872,7.1059999999999999,-10.601000000000001,32.605999999999995,16.333010000000002]
["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]
[]
["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 - old",0.56317061882092578,0.53517704873465888,0.54083240673919353,0.55663698779404347,0.2590671482515689,0.46853712962628019,0.71940549097852802,"–",0.55145966097504195]
["Cost/income ratio ",0.5486751209496521,0.53517704873465888,0.54083240673919353,0.55663698779404347,0.2590671482515689,0.46853712962628025,0.71940549097852802,"–",0.54726265464433921]
["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 Excluding impairment of goodwill and bank levies."]
["2 Including impairment of goodwill and bank levies."]

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["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,null,null,null,null,"Archive"]
[]
["Central Europe (CE)"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013*","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",1021.540134651,1067.800074324,-46.259939672999963,-4.3322660098414123E-2,null,242.63453963500001,255.07914982600005,-12.444610191000038,-4.8787249759492335E-2,null,null,242.63453963500001,255.07914982600005,264.44204856299996,259.384396627,264.43705351500017,269.79477487299988,273.32559233900002,260.24265359700001,269.39677359000012,265.18507822799995,258.87636624299995,249.48514966900001,254.27281256699982,278.99455046600008,281.93154587299995,287.24349258500001,null,null,1067.800074324,1042.9433677300001,1102.442,1111.0260000000001,983.54600000000005]
["Net fee and commission income ",530.95627322400003,546.16850430299996,-15.212231078999935,-2.7852633315817443E-2,null,134.61548984700005,134.33364032099996,0.28184952600008728,2.0981306344902695E-3,null,null,134.61548984700005,134.33364032099996,131.70582901800003,130.30131403799999,137.28047169299998,138.60542915699995,142.18759960599999,128.09500384699999,132.622891506,128.763813089,122.728903321,111.668665449,122.57206911800004,124.92504357199996,124.2505184,118.827981474,null,null,546.16850430299996,495.78427336500005,490.57600000000002,473.41300000000001,436.37299999999999]
["Net trading income",20.246898383000001,28.304034204000001,-8.0571358209999993,-0.28466386674523392,null,6.5261270819999977,4.780885202000003,1.7452418799999947,0.36504576166562241,null,null,6.5261270819999977,4.780885202000003,1.9968030939999997,6.9430830049999992,21.340218667000002,7.4833271519999993,-12.937905629000001,12.418394014000002,0.42968016700000045,-11.204946255000003,6.5375907690000004,12.124081411000001,46.321250798999998,4.583036840000001,13.561346347000001,12.204284893999999,null,null,28.304034204000001,7.8864060920000005,76.67,41.862000000000002,89.387]
["Sundry net operating income",-53.429772452999984,14.481606711999994,-67.911379164999971,"–",null,-49.672831264000003,-2.4566937099999784,-47.216137554000028,">500,0%",null,null,-49.672831264000003,-2.4566937099999784,6.7780646549999943,-8.0783121339999919,-4.2380643650000138,1.9194902610000071,15.514321992000008,1.2858588239999991,26.103814761999995,-2.0271002000001318E-2,2.5973134040000039,6.7808954530000012,10.6044427589999,-7.2817228279999,-0.11738108099999862,5.4582229389999988,null,null,14.481606711999994,35.461752616999895,8.6637585860000002,-16.338010000000004,-22.241]
["Operating income",1519.3135338049999,1656.7542195429999,-137.44068573799996,-8.2957800328350317E-2,null,334.10332529999977,391.73698163900002,-57.633656339000254,-0.14712334816556016,null,null,334.10332529999977,391.73698163900002,404.92274532999994,388.55048153600006,418.81967950999967,417.80302144300015,418.08960830799998,402.041910282,428.5531600249999,382.72367406000012,390.74017373699996,380.058791982,433.77057524299994,401.22090804999999,419.62602953899994,423.73398189200003,null,null,1656.7542195429999,1582.0757998039999,1678.3517585860002,1609.96299,1487.0650000000001]
["General administrative expenses",-987.326118393,-1098.3626889029999,111.03657050999993,-0.10109280989952307,null,-261.95255725999994,-233.66314281100003,-28.289414448999906,0.12106922002620668,null,null,-261.95255725999994,-233.66314281100003,-245.71938518900001,-245.991033133,-314.26282848999989,-267.20851419700006,-257.41641446300002,-259.47493175300002,-313.70705524100015,-263.59569304899986,-237.58369986900001,-222.03630334300001,-230.09523439100002,-238.0733230320001,-233.80183011700001,-236.39938646099998,null,null,-1098.3626889029999,-1036.922751502,-938.37,-883.34699999999998,-804.91300000000001]
["Operating result",531.9874154119999,558.39153063999981,-26.40411522799991,-4.7286023836602409E-2,null,72.150768040000003,158.07383882799991,-85.923070787999904,-0.54356287811478254,null,null,72.150768040000003,158.07383882799991,159.20336014099996,142.55944840300003,104.55685101999975,150.59450724600006,160.67319384500001,142.56697852900001,114.84610478399991,119.127981011,153.15647386800003,158.02248863899999,203.67534085199995,163.14758501800009,185.82419942199996,187.334595431,null,null,558.39153063999981,545.15304830199989,739.98175858599996,726.61698999999999,682.15200000000004]
["Net provisioning for impairment losses",-271.65673893100001,-403.17254742799997,131.51580849699997,-0.32620229064700035,null,-95.966733611000024,-47.852123854999995,-48.114609756000029,1.0054853552957317,null,null,-95.966733611000024,-47.852123854999995,-69.103921762999988,-58.733959702,-142.79799004500001,-90.870764111999947,-95.936180619000012,-73.567612651999994,-224.260399506,-94.007543033000019,-123.63094794000001,-75.321570621999996,-161.90666514300003,-307.07257862900002,-98.403109281999974,-78.764736966000015,null,null,-403.17254742799997,-517.22046110100007,-646.14700000000005,-408.21100000000001,-487.34100000000001]
["Other results",-325.91142387000002,-89.941303935999997,-235.97011993400002,2.6236012778056956,null,5.7250116529999318,-216.58028408799996,222.3052957409999,"–",null,null,5.7250116529999318,-216.58028408799996,-75.067094948999994,-39.989056486000003,-23.577068232999981,-3.3001632120000188,-51.320388039000008,-11.743684452,10.461428806000011,15.622863145,-5.7198716080000009,4.6958051729999974,-21.743441831000105,-6.2994291839998988,-19.199829891,-13.639051123999998,null,null,-89.941303935999997,25.060225516000109,-60.881758586000004,-49.262989999999995,35.777000000000001]
["Profit/loss before tax",-65.580747388999995,65.277679276000001,-130.858426665,"–",null,-18.090953918000004,-106.35856911499999,88.267615196999998,-0.82990600504939849,null,null,-18.090953918000004,-106.35856911499999,15.032343429000001,43.836432215000002,-61.818207257999944,56.423579921999789,13.416625187000143,57.25568142500002,-98.952865916000064,40.743301123000087,23.805654319999942,87.396723190000003,20.025233878000073,-150.22442279500009,68.221260248999982,94.930807340999976,null,null,65.277679276000001,52.992812716999964,32.953000000000003,269.14299999999997,230.58799999999999]
["Income taxes  ",-92.243510121000014,-58.268249159,-33.975260962000014,0.58308360818067007,null,-27.028747940000013,-24.457174505999998,-2.5715734340000154,0.10514597397050673,null,null,-27.028747940000013,-24.457174505999998,-21.163000637999996,-19.594587037,-4.6637709509999965,-17.145279473000002,-13.965782598999999,-22.493416136,-7.0731085319999982,-12.134305747000006,-23.736434527999997,-24.710506318,-10.840891347000005,-18.742456931999993,-16.933739855000006,-19.159176340999998,null,null,-58.268249159,-67.654355124999995,-65.676000000000002,-65.305000000000007,-50.786000000000001]
["Profit/loss after tax",-157.82425751,7.009430117,-164.83368762699999,"–",null,-45.119701857999999,-130.815743621,85.696041762999997,-0.65508966574603578,null,null,-45.119701857999999,-130.815743621,-6.1306572089999989,24.241845177999998,-66.481978208999948,39.278300448999779,-0.54915741199985491,34.76226528900002,-106.02597444800007,28.608995376000077,6.9219791999945296E-2,62.686216872000003,9.1843425310000679,-168.96687972700011,51.287520393999976,75.771630999999985,null,null,7.009430117,-14.661542408000038,-32.722999999999999,203.83799999999999,179.80199999999999]
["Profit attributable to non-controlling interests",-43.44844803315781,-28.074529888104582,-15.373918145053228,0.54761088453941631,null,-11.179526376582384,-8.1546250404125651,-3.0249013361698189,0.37094303185971889,null,null,-11.179526376582384,-8.1546250404125651,-13.074863821210663,-11.039432794952202,5.8246373450924338,-8.919506900568086,-13.686683128137233,-11.292977204491701,21.355900677807259,-4.4648573359167587,4.5172069982981098,-19.520501789650524,15.81808000924887,49.604374170624695,-15.443889924718089,-28.159270202419627,null,null,-28.074529888104582,1.8877485505380878,21.818999999999999,-54.393000000000001,-27.181999999999999]
["Consolidated profit/loss",-201.27270554315783,-21.065099771104581,-180.20760577205326,">500,0%",null,-56.299228234582415,-138.97036866141255,82.671140426830135,-0.59488322023704299,null,null,-56.299228234582415,-138.97036866141255,-19.205521030210665,13.202412383047799,-60.657340863907507,30.358793548431702,-14.235840540137087,23.469288084508317,-84.670073770192801,24.144138040083316,4.5864267902980576,43.165715082349479,25.002422540248936,-119.3625055563754,35.843630469281891,47.612360797580351,null,null,-21.065099771104581,-12.77379385746195,-10.904,149.44499999999999,152.62]
[]
["Risk-weighted assets (credit risk)",19453.79557176579,20931.754473157391,-1477.9589013916011,-7.0608457751925036E-2,null,19453.79557176579,20010.262479421719,-556.46690765592939,-2.7809075879348999E-2,null,null,19453.79557176579,20010.262479421719,20075.656883713036,20159.00236126914,20931.754473157391,21174.976170317143,21209.273039992535,21650.452798514812,21957.833809843392,21438.84949251678,22296.026478264997,20352.893650408052,21510.076405365799,23861.530171193852,23736,23151.234063200001,null,null,20931.754473157391,21957.833809843392,21510.076405365799,22885.702000000001,21140.014999999999]
["Risk-weighted assets (total RWA)",22777.146430251163,24400.322378247391,-1623.1759479962275,-6.6522725512974001E-2,null,22777.146430251163,23491.979169700717,-714.83273944955363,-3.0428800157098923E-2,null,null,22777.146430251163,23491.979169700717,23588.467390825164,23635.758593894639,24400.322378247394,24757.222498186769,24822.22729990579,25277.011721206938,25559.088647343393,23951.231031863153,25452.439092599623,23528.1465344348,24564.602689073676,26910.015095492479,27212.5,26622.606388730121,null,null,24400.322378247391,25559.088647343393,24564.602689073676,26243.6875,24431.125]
["Total capital requirement",1822.1717144200929,1952.0257902597914,-129.85407583969845,-6.6522725512974112E-2,null,1822.1717144200929,1879.3583335760575,-57.186619155964536,-3.0428800157099034E-2,null,null,1822.1717144200929,1879.3583335760575,1887.0773912660131,1890.8606875115711,1952.0257902597914,1980.5777998549415,1985.778183992463,2022.160937696555,2044.7270917874714,1916.0984825490523,2036.1951274079699,1882.2517227547839,1965.168215125894,2152.8012076393984,2177,2129.8085110984098,null,null,1952.0257902597914,2044.7270917874714,1965.168215125894,2099.4949999999999,1954.49]
["Total assets",40771.490518790051,38420.812507057009,2350.6780117330418,6.1182412821209287E-2,null,40771.490518790051,39807.692846278005,963.79767251204612,2.4211342170315175E-2,null,null,40771.490518790051,39807.692846278005,38593.421420224004,38430.430347847992,38420.812507057009,38353.129673842996,38358.487184418962,39432.144198850023,40787.142996056013,41600.871418071991,41449.925404327027,36023.545259990991,34851.818697969989,35608.07537389802,35541,34392.615916735995,null,null,38420.812507057009,40787.142996056013,34851.818697969989,33928.326000000001,33756.860999999997]
["Liabilities",37107.868745720967,34777.889270168991,2329.9794755519761,6.6996000172745873E-2,null,37107.868745720967,36245.286481793024,862.58226392794313,2.3798467267219348E-2,null,null,37107.868745720967,36245.286481793024,35062.247536994968,34767.980716746009,34777.889270168991,34719.735209764025,34819.761711079023,35704.899345210048,37075.826507455211,37704.732634030013,37695.852205875024,31798.429847298012,31797.512200250996,32884.039850009991,32652,31484.873924355008,null,null,34777.889270168991,37075.826507455211,31798.429847298012,31087.48,31116.266]
["Net interest margin (avg. interest bearing assets)",2.7658261767047106E-2,2.9157777463900664E-2,-0.14995156968535572,-5.1427640488376114E-2,null,2.5390258822243803E-2,2.7441501853663845E-2,-0.20512430314200414,-7.4749663570114366E-2,null,null,2.5390258822243803E-2,2.7441501853663845E-2,2.8976496187553196E-2,2.8734090336360676E-2,2.9401943057675645E-2,2.9889397867714339E-2,2.9824669995589817E-2,2.7736911271134448E-2,2.806838576917705E-2,2.7310231312973568E-2,null,null,null,null,null,null,null,null,2.9157777463900664E-2,2.8545318814533874E-2]
["NPL Ratio",0.10280899489914318,0.12248273925705526,-1.9673744357912082,-0.16062462741482841,null,0.10280899489914318,0.11456288989679711,-1.1753894997653933,-0.10259775227599721,null,null,0.10280899489914318,0.11456288989679711,0.11737982608354169,0.11909781602284018,0.12248273925705526,0.11998328392521972,0.11741388401962395,0.11370224076146818,0.11515540184561396,0.111552915403051,0.10981445038932121,0.10001210794286419,9.7620944663874817E-2,9.1068304765879737E-2,8.72E-2,8.5000000000000006E-2,null,null,0.12248273925705526,0.11515540184561396,9.7620944663874817E-2,9.0625011068636588E-2,7.0016536088461798E-2]
["NPL Coverage Ratio",0.67969947723385549,0.64341358962872308,3.6285887605132405,5.639589867237782E-2,null,0.67969947723385549,0.67399697524029878,0.57025019935567078,8.4607234201958814E-3,null,null,0.67969947723385549,0.67399697524029878,0.65470908942366413,0.64761134793544206,0.64341358962872308,0.63719534919872334,0.63854228025906346,0.63839923007550969,0.64029137200724373,0.61763181169914083,0.61865298712065375,0.60752407617611803,0.60730856485733209,0.63347148534439468,0.58699999999999997,0.57599999999999996,null,null,0.64341358962872308,0.64029137200724373,0.60730856485733209,0.53327598052618808,0.57812202536017088]
["Cost/income ratio ",0.64985014378192252,0.66296055018104805,-1.3110406399125529,-1.9775545310418807E-2,null,0.78404654316082012,0.59647966304679689,18.756688011402321,0.31445645465251615,null,null,0.78404654316082012,0.59647966304679689,0.60683028558631857,0.63309928779539648,0.75035353844325881,0.63955620348105757,0.61569675339398877,0.64539274418181736,0.73201433218389955,0.68873631529696178,0.60803499572816699,0.58421567406738451,0.53045376409430212,0.59337217541597187,0.5571671289644593,0.55789574724562152,null,null,0.66296055018104805,0.65541913455124101,0.55910205755517994,0.5486751209496521]
["Provisioning ratio (avg. loans and advances to customers)",9.380955025489102E-3,1.3747042516021251E-2,-0.4366087490532149,-0.31760194859685409,null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,1.3747042516021251E-2,1.8244756694875582E-2]
["Average equity ",3344.5161348592578,3233.2488100293795,111.26732482987836,3.4413474300132085E-2,null,3344.5161348592578,3460.8248885762196,-116.30875371696175,-3.3607234535582342E-2,null,null,3344.5161348592578,3460.8248885762196,3686.568514848896,3673.4180852767076,3233.2488100293795,3251.2044139518771,3309.4998915692495,3232.3466360506723,3038.2378207865281,2947.770459769009,2969.279760859979,2892.4905896177102,2739.6332834259324,2774.3202733314438,2881,2900.0733894882387,null,null,3233.2488100293795,3038.2378207865281,2739.6332834259324,2583.3870000000002,2273.6770000000001]
["Return on equity before tax","–",2.0189500750301629E-2,"–","–",null,"–","–","–","–",null,null,"–","–",1.633953347550221E-2,4.7733670600359046E-2,-7.6266331336991414E-2,6.8789908628838325E-2,4.07130453390354E-2,7.0853392747450922E-2,"–",5.5068446458978591E-2,3.260455321802648E-2,0.12086016598111167,2.9043228683836804E-2,"–",9.4401698503882428E-2,0.13100000000000001,null,null,2.0189500750301629E-2,1.7441956766663307E-2,1.2028207889120146E-2,0.10418199433528651,0.10141634722516092]
["Business outlets",784,802,-18,-2.244389027431426E-2,null,784,812,-28,-3.4482758620689613E-2,null,null,784,812,816,820,802,805,807,805,853,848,877,552,552,561,556,548,null,null,802,853,552,555,549]
["indicative loans and advances to customers",29169.698835982999,28647.14222006499,522.5566159180089,1.8241142935088384E-2,null,29169.698835982999,29159.133686390996,10.565149592002854,3.623272798716215E-4,null,null,29169.698835982999,29159.133686390996,29241.526466030991,29006.657496872002,28647.14222006499,29289.728269067,29297.924191188995,29471.342680307003,29933.602408173003,30289.758394560995,30288.901016285996,25851.811997373999,25380.886023293002,25942.068275823993,26396,25465.297473758998,null,null,28647.14222006499,29933.602408173003,25380.886023293002,25465.297473758998]
["indicative deposits from customers",26533.026574555999,24942.335275137993,1590.6912994180057,6.377475412270539E-2,null,26533.026574555999,25889.776279176996,643.25029537900264,2.4845726299163262E-2,null,null,26533.026574555999,25889.776279176996,25273.016554272999,24946.535948399,24942.335275137993,24657.479476293996,25048.259335579998,25950.861363478994,26874.921067642001,26923.423734911012,26832.700007289994,23799.119376042989,22644.133917149997,22424.275383177006,22112,21021.609400540994,null,null,24942.335275137993,26874.921067642001,22644.133917149997,21021.609400540994]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12"]
["Southeastern Europe (SEE)"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013*","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",835.35552120199895,861.625806152,-26.270284950001042,-3.0489203970484047E-2,null,207.72096017899884,209.89739416800006,-2.1764339890012252,-1.0369037679711424E-2,null,null,207.72096017899884,209.89739416800006,208.739757811,208.99740904399999,216.85270186200006,220.68128982999991,216.93839779699999,207.15341666299997,214.56384043599991,203.26809886300006,222.39199917300002,228.42989978900002,229.70611424299994,234.49067920800007,233.55734722499997,221.32963902900002,null,null,861.625806152,868.65383826100003,919.08399999999995,897.69799999999998,895.73599999999999]
["Net fee and commission income ",358.31189355000004,348.04694607699997,10.264947473000063,2.9492996817530148E-2,null,89.251416627000111,96.628372029999952,-7.3769554029998403,-7.6343575370487859E-2,null,null,89.251416627000111,96.628372029999952,90.216535859999993,82.215569033000008,95.882202656999993,91.450612785999965,81.765233516000009,78.948897117999991,78.383660793000018,89.203440628999957,77.380246080000006,74.511572905000008,92.479013918999925,93.444113050000041,91.742892971999993,87.271267986000012,null,null,348.04694607699997,319.47892040699998,364.93700000000001,387.62700000000001,398.04300000000001]
["Net trading income",56.428906454000007,52.876782697999992,3.5521237560000145,6.717738059608469E-2,null,11.365431682000008,12.794269647999997,-1.428837965999989,-0.11167796250279483,null,null,11.365431682000008,12.794269647999997,16.094564021000004,16.174641102999999,12.123405050999994,12.395236063999997,12.987436773999999,15.370704809000001,10.214105090999997,16.004647559000006,9.8216314629999975,17.078100864,15.099709897,-0.16169091399999888,12.355820840999998,14.154289605000001,null,null,52.876782697999992,53.118484977000001,41.448,56.228000000000002,87.866]
["Sundry net operating income",33.209827793000002,22.409338205000005,10.800489587999998,0.48196379068392914,null,1.6524404820000029,13.058581650000002,-11.406141168,-0.87345942106966856,null,null,1.6524404820000029,13.058581650000002,8.2988983659999978,10.199907295000001,-3.9918662879999971,4.2079550340000011,11.930534388999998,10.26271507,12.933078710999999,9.8205640179999971,6.9859905140000009,9.9768138339999997,12.295743401999999,10.518742727999998,10.254644487000002,7.0289228069999998,null,null,22.409338205000005,39.716447076999998,40.097999999999999,37.244999999999997,25.472999999999999]
["Operating income",1283.3061489989991,1284.958873132,-1.6527241330009019,-1.286207805991868E-3,null,309.99024896999919,332.37861749599989,-22.388368526000704,-6.7358028908914847E-2,null,null,309.99024896999919,332.37861749599989,323.34975605800008,317.58752647499995,320.86644328200015,328.73509371400002,323.62160247599991,311.73573365999999,316.09468503099981,318.29675106899998,316.5798672300001,329.99638739199997,349.58058146099989,338.29184407200012,347.91070552499991,329.78411942700001,null,null,1284.958873132,1280.9676907219998,1365.567,1378.798,1407.1179999999999]
["General administrative expenses",-688.57716605199994,-698.23514888199986,9.6579828299999235,-1.3831991765903107E-2,null,-188.24022200599993,-168.103662727,-20.136559278999925,0.11978655879557865,null,null,-188.24022200599993,-168.103662727,-169.25170690399997,-162.98157441499998,-183.5756521629998,-172.07548817399999,-176.280635558,-166.30337298699999,-185.40547408799989,-174.401585686,-164.96128314599997,-176.87793289000004,-191.99225188700018,-182.86800124299998,-189.49320602199998,-182.11181506399998,null,null,-698.23514888199986,-701.64627580999991,-746.46500000000003,-737.90099999999995,-741.44399999999996]
["Operating result",594.72898294699917,586.72372425000003,8.0052586969991353,1.3644000346555218E-2,null,121.75002696399912,164.27495476899998,-42.524927805000857,-0.25886434036642125,null,null,121.75002696399912,164.27495476899998,154.09804915400008,154.60595205999999,137.29079111899998,156.65960554000011,147.34096691799991,145.43236067299998,130.68921094299992,143.89516538299998,151.6185840840001,153.11845450199991,157.58832957399974,155.42384282900014,158.41749950299996,147.67230436299999,null,null,586.72372425000003,579.32141491199991,619.10199999999998,640.89800000000002,665.67399999999998]
["Net provisioning for impairment losses",-254.145493222,-325.85597674600001,71.710483524000011,-0.2200680320186279,null,-76.795368165000014,-42.998343294999991,-33.797024870000023,0.78600760587745877,null,null,-76.795368165000014,-42.998343294999991,-71.804804292,-62.546977469999995,-106.855956569,-70.477409262999998,-85.814770743000025,-62.707840170999994,-87.481987024999981,-72.108759312000018,-67.484110834999996,-60.331508341000003,-64.347432710000021,-69.673264900999982,-63.573259569000001,-60.277773648999997,null,null,-325.85597674600001,-287.40636551299997,-257.87200000000001,-335.31900000000002,-413.95699999999999]
["Other results",7.8845470239999997,16.341477913000002,-8.4569308890000023,-0.51751322212248185,null,3.4667550240000016,-1.5658475200000015,5.0326025440000031,"–",null,null,3.4667550240000016,-1.5658475200000015,4.4533825419999999,1.5302569780000002,1.0231446130000013,5.5143926910000012,-2.135071543,11.939012152,-2.0119933940000028,0.51080261300000163,-9.1730379919999976,21.453029308999998,-2.3068131569999988,-14.046693415,1.0763630259999999,5.3097180689999997,null,null,16.341477913000002,10.778800535999999,-9.9670000000000005,-0.88500000000000001,8.6430000000000007]
["Profit/loss before tax",348.46803674900002,277.20922541700003,71.258811331999993,0.25705786387450447,null,48.421413823000023,119.71076395399999,-71.289350130999964,-0.59551328365420497,null,null,48.421413823000023,119.71076395399999,86.746627404000009,93.589231568000002,31.457979163000175,91.696588967999872,59.391124631999979,94.663532653999994,41.195230523999953,72.297208683999983,74.961435257000062,114.23997547,90.934083706999544,71.703884513000204,95.920602960000053,92.704248782999983,null,null,277.20922541700003,302.693849935,351.26299999999998,304.69400000000002,260.36]
["Income taxes  ",-52.435349359,-29.171880144000003,-23.263469214999997,0.79746211420605917,null,-7.734962739999995,-18.288922123000006,10.553959383000011,-0.57706841945198262,null,null,-7.734962739999995,-18.288922123000006,-12.701099715,-13.710364781000001,-6.0004409980000037,-13.841236345,3.7706593289999999,-13.100862130000001,-4.2689476630000067,-7.3429850409999959,-9.2205066870000003,-15.103165911,-15.188743103999997,-7.5662014050000002,-11.296817017,-12.500602419,null,null,-29.171880144000003,-35.935605302000006,-46.552,-39.156999999999996,-34.517000000000003]
["Profit/loss after tax",296.03268738999998,248.037345273,47.995342116999979,0.19350046689208988,null,40.686451082999923,101.42184183100004,-60.735390748000114,-0.59883935897362173,null,null,40.686451082999923,101.42184183100004,74.045527688999996,79.878866787000007,25.45753816500013,77.855352622999888,63.161783960999976,81.562670523999984,36.926282860999926,64.954223643000006,65.740928570000065,99.136809559,75.745340602999548,64.137683108000203,84.623785943000058,80.203646363999979,null,null,248.037345273,266.758244633,304.70999999999998,265.536,225.84299999999999]
["Profit attributable to non-controlling interests",-0.2856423367059725,-0.50139056048045993,0.21574822377448744,-0.4302997319449845,null,0.52448309312522201,-0.14153997094164694,0.66602306406686895,"–",null,null,0.52448309312522201,-0.14153997094164694,-0.31323447192207693,-0.35535098696747064,0.19496525214243832,4.6399519266813103,4.6992449826541565,-10.035552721958364,-0.85915231645574019,-4.8231371132191958,-1.7442060945070088,-8.1078899276800289,-3.5019246366564238,-0.10031297372326844,-4.9616382747331835,-7.3733354739882184,null,null,-0.50139056048045993,-15.534385451861974,-15.936999999999999,-17.212,-16.003]
["Consolidated profit/loss",295.74704505329396,247.53595471251955,48.211090340774405,0.19476399053529514,null,41.210934176125136,101.28030186005836,-60.069367683933223,-0.59310020389683116,null,null,41.210934176125136,101.28030186005836,73.732293217077938,79.523515800032527,25.652503417142583,82.495304549681208,67.861028943654134,71.52711780204163,36.06713054454417,60.131086529780816,63.996722475493051,91.02891963131998,72.243415966343107,64.037370134276955,79.662147668266854,72.830310890011759,null,null,247.53595471251955,251.22385918113801,288.77300000000002,248.32400000000001,209.84]
[]
["Risk-weighted assets (credit risk)",11375.393797823734,12471.468659634727,-1096.0748618109938,-8.7886590723557645E-2,null,11375.393797823734,12352.447964682946,-977.05416685921227,-7.9098019247093476E-2,null,null,11375.393797823734,12352.447964682946,12191.026878750046,12661.786319482015,12471.468659634727,12833.218405901764,12990.26137668716,12971.20063514611,13168.810644280096,13150.127660446984,13306.0688132,14012.15507412608,16324.785971088128,16514.574766551472,16484.874834599999,16268.705259200002,null,null,12471.468659634727,13168.810644280096,16324.785971088128,16698.004000000001,16288.383]
["Risk-weighted assets (total RWA)",13678.791867595482,15097.089633785354,-1418.2977661898713,-9.3945111315753338E-2,null,13678.791867595484,14881.705067875324,-1202.9132002798397,-8.0831678547139796E-2,null,null,13678.791867595484,14881.705067875324,14762.937918515172,15253.864131419015,15097.089633785354,15545.99683473714,15696.717609396657,15711.668495495735,15868.149531780096,15766.129393549232,16023.085058128123,16704.033438219332,19050.250313205128,19372.100679516476,19384.871342116749,19122.499812757502,null,null,15097.089633785354,15868.149531780096,19050.250313205128,19533.150000000001,18983.662499999999]
["Total capital requirement",1094.3033494076387,1207.7671707028283,-113.46382129518952,-9.3945111315753227E-2,null,1094.3033494076387,1190.536405430026,-96.233056022387245,-8.0831678547139907E-2,null,null,1094.3033494076387,1190.536405430026,1181.0350334812138,1220.3091305135213,1207.7671707028283,1243.6797467789711,1255.7374087517326,1256.9334796396588,1269.4519625424077,1261.2903514839386,1281.8468046502499,1336.3226750575466,1524.0200250564103,1549.768054361318,1550.78970736934,1529.7999850206002,null,null,1207.7671707028283,1269.4519625424077,1524.0200250564103,1562.652,1518.693]
["Total assets",21370.657001887001,21159.716160717009,210.94084116999147,9.9689825500401952E-3,null,21370.657001887001,21350.361996675019,20.295005211981334,9.5056960697625925E-4,null,null,21370.657001887001,21350.361996675019,20885.218708196015,20752.276749280019,21159.716160717009,21358.209803174992,21329.58751268101,21411.027892976006,21345.863872337985,21866.15272508399,22291.659194527998,23096.956370304,22827.461345381005,22630.217950363993,22471.27129197101,22247.427664522998,null,null,21159.716160717009,21345.863872337985,22827.461345381005,22696.524000000001,23596.463]
["Liabilities",18368.423552381992,18163.45466971504,204.96888266695169,1.1284686002421607E-2,null,18368.423552381992,18315.886633439975,52.5369189420162,2.8683797838156E-3,null,null,18368.423552381992,18315.886633439975,17940.406578476977,17757.612700502021,18163.45466971504,18382.509684135017,18346.629364492033,18348.275067886021,18408.608916492973,18938.729577083977,19378.688035731022,19829.743216712999,19829.847656192982,19695.100386676993,19571.907579437997,19309.538886907012,null,null,18163.45466971504,18408.608916492973,19829.743216712999,19850.740000000002,20831.373]
["Net interest margin (avg. interest bearing assets)",4.2712620039116425E-2,4.3653566342139384E-2,-9.4094630302295895E-2,-2.155485523561107E-2,null,4.1663736146369833E-2,4.2818971304366252E-2,-0.1155235157996419,-2.6979516854451324E-2,null,null,4.1663736146369833E-2,4.2818971304366252E-2,4.3271816412098867E-2,4.3003862674735792E-2,4.4237369883520838E-2,4.4620531968507189E-2,4.3898345508709427E-2,4.1978320453388174E-2,4.2720043302451258E-2,3.9440229858855536E-2,null,null,null,null,null,null,null,null,4.3653566342139384E-2,4.2104441189997392E-2]
["NPL Ratio",0.13203592058799488,0.13949246062889556,-0.74565400409006832,-5.3454788934708009E-2,null,0.13203592058799488,0.14193836750936389,-0.99024469213690181,-6.9765822272936484E-2,null,null,0.13203592058799488,0.14193836750936389,0.14493151568613019,0.13980605588024803,0.13949246062889556,0.13673617813867378,0.13423771312063706,0.13206650739780407,0.12465360990002901,0.12546911828348839,0.12300114838768791,0.11988989751138326,0.11264406676722158,0.10328770422225896,0.1,9.0999999999999998E-2,null,null,0.13949246062889556,0.12465360990002901,0.11264406676722158,8.992568195659835E-2,6.4799999999999996E-2]
["NPL Coverage Ratio",0.6654320879064517,0.62928181675300499,3.6150271153446711,5.744687068820209E-2,null,0.6654320879064517,0.63656978486962812,2.8862303036823578,4.5340359726207646E-2,null,null,0.6654320879064517,0.63656978486962812,0.63580486912404588,0.64110819842175937,0.62928181675300499,0.62183318254483377,0.62133511703035271,0.61518460891571192,0.61975739028694588,0.59798184006977417,0.58095275874764751,0.56911471338156083,0.58582149261486982,0.62901940421432045,0.62480000000000002,0.63,null,null,0.62928181675300499,0.61975739028694588,0.58582149261486982,0.68203064787885537,0.67778487300602397]
["Cost/income ratio ",0.53656500172550536,0.54339104813533767,-0.68260464098323093,-1.2561941226776008E-2,null,0.60724562347190925,0.46767076342353503,13.957486004837422,0.29844683688719598,null,null,0.60724562347190925,0.46767076342353503,0.52343230119413131,0.51318632133944864,0.57212480770904584,0.52344727248288825,0.54471220156285194,0.53347548910893117,0.58655043209542401,0.54792135043877166,0.52107319580797318,0.5359996037771414,0.54920742761113384,0.54056284373228747,0.5446604631957308,0.55221523516784043,null,null,0.54339104813533767,0.54774705161730242,0.54663384315264052,0.53517704873465888]
["Provisioning ratio (avg. loans and advances to customers)",1.8485928230221479E-2,2.2798769506888143E-2,-0.43128412766666629,-0.18916991442733933,null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,2.2798769506888143E-2,1.9275420627996833E-2]
["Average equity ",2090.0632293826288,2018.4414074335959,71.621821949032892,3.5483726049842845E-2,null,2090.0632293826288,2182.9467163050595,-92.88348692243062,-4.2549589611444505E-2,null,null,2090.0632293826288,2182.9467163050595,2322.0462337749395,2320.9999694012772,2018.4414074335959,2034.0365065741748,2069.1542365812911,2191.9201546173022,2059.4317716513001,2042.1542666295643,2090.4357823653063,2150.4058503472679,2008.8326696136435,2017.987076121801,2088,2120.5234743098035,null,null,2018.4414074335959,2059.4317716512969,2008.8326696136435,1941.597,1766.711]
["Return on equity before tax",0.16672607404893292,0.13733825732869079,2.9387816720242128,0.21398128454410514,null,9.0655373029330119E-2,0.21287260164456809,-12.221722861523796,-0.57413320300986048,null,null,9.0655373029330119E-2,0.21287260164456809,0.14946502551649535,0.16129122413067878,6.2101197589905781E-2,0.17880015427561088,0.11155770153130036,0.17274996528425599,8.0349283656057563E-2,0.13991038876722289,0.14140860093198507,0.21249937624853737,0.18059023438925034,0.13969927899361209,0.18232366650217327,0.17499999999999999,null,null,0.13733825732869079,0.14697930472942713,0.17485917332803919,0.15692930082195253,0.14736982741104945]
["Business outlets",1087,1115,-28,-2.5112107623318392E-2,null,1087,1095,-8,-7.3059360730594047E-3,null,null,1087,1095,1094,1094,1115,1121,1124,1128,1129,1135,1145,1147,1161,1153,1154,1156,null,null,1115,1129,1161,1167,1204]
["indicative loans and advances to customers",13379.562070196002,13930.745849911998,-551.18377971599693,-3.9565992062045918E-2,null,13379.562070196002,13766.393846054998,-386.83177585899648,-2.8099717339544972E-2,null,null,13379.562070196002,13766.393846054998,13773.538381556,13796.278758139997,13930.745849911998,14271.042935111,14417.906466126002,14343.857654189002,14499.947931308003,14785.681691079,14789.576917332999,15156.244051568001,15321.103033029,15137.586296191999,15126,14822.146492493996,null,null,13930.745849911998,14499.947931308003,15321.103033029,14822.146492493999]
["indicative deposits from customers",14991.865673158003,14341.848062787001,650.01761037100187,4.5323141587144011E-2,null,14991.865673158003,14746.098356895,245.76731626300352,1.6666599551608652E-2,null,null,14991.865673158003,14746.098356895,14149.871309771001,13949.370334155001,14341.848062787001,14357.938787872999,14155.991013588004,14097.686130144999,14193.563708826001,14474.699432918002,14037.564705153001,14143.500016968002,14543.738302092997,14151.950054263003,13515,13305.151898690998,null,null,14341.848062787001,14193.563708826001,14543.738302092997,13305.151898690998]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12"]
["Russia (RU)"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013*","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",834.58120927000004,722.48301780599991,112.09819146400014,0.1551568531041938,null,199.36416892300014,232.54999176799998,-33.185822844999848,-0.14270403792620723,null,null,199.36416892300014,232.54999176799998,209.071145312,193.59590326699998,180.95291775099997,176.23656813699995,183.66688094599996,181.62665097199999,197.82328673300006,188.84829704300006,177.74519278599996,184.263226952,158.56033449600008,152.53549463699997,143.088404193,135.91641369499999,null,null,722.48301780599991,748.68000351400008,590.101,507.16399999999999,650.51599999999996]
["Net fee and commission income ",304.22501061100002,308.45762702200005,-4.2326164110000377,-1.3721873087930381E-2,null,90.038770980000052,73.904787814999978,16.133983165000075,0.21830768536115697,null,null,90.038770980000052,73.904787814999978,74.768332950000016,65.513118865999999,77.209861138000065,75.866990209999983,86.072513573000009,69.308262100999997,74.150053959000047,76.253559400999976,71.325128655000015,63.404907251999994,63.924507774000027,64.292676625000013,57.397971769999998,52.076905049999993,null,null,308.45762702200005,285.13364926700001,237.69200000000001,214.07599999999999,206.911]
["Net trading income",-64.976453883000005,155.728227882,-220.704681765,"–",null,-54.961686085000004,-35.855069813000007,-19.106616271999997,0.53288464843742944,null,null,-54.961686085000004,-35.855069813000007,14.266752360000003,11.573549654999999,34.454617008000021,66.386133346999969,24.293137107000003,30.594340420000002,4.5925439039999914,8.7139065630000037,14.670470246999997,41.335922269000001,0.690828345000009,-22.259060385000012,28.080477491000003,31.642781895999999,null,null,155.728227882,69.312842982999996,38.155000000000001,74.381,-13.339]
["Sundry net operating income",7.6853391590000006,-0.33333485200000001,8.0186740109999999,"–",null,-0.74534057800000042,-1.4863065530000004,0.74096597499999994,-0.49852836449144,null,null,-0.74534057800000042,-1.4863065530000004,-0.5849142169999979,10.501900506999998,-0.17929379199999995,-9.1200791999999975E-2,-1.2629086860000001,1.2000684180000001,-12.483906102000001,5.3176171539999997,2.4962270209999997,-0.18662272000000002,-9.732155058,-2.0936176590000004,0.83311431199999986,-1.6023385209999998,null,null,-0.33333485200000001,-4.8566846469999998,-12.595000000000001,-28.39,-18.472000000000001]
["Operating income",1081.5151051570001,1186.335537858,-104.82043270099985,-8.8356480402044912E-2,null,233.6959132400001,269.11340321699993,-35.417489976999832,-0.13160804907379842,null,null,233.6959132400001,269.11340321699993,297.52131640500011,281.18447229499998,292.43810210499981,318.39849090199999,292.76962293999998,282.729321911,264.08197849400017,279.13338016100005,266.23701870899998,288.81743375299999,213.44351555700007,192.475493218,229.39996776599997,218.03376212000001,null,null,1186.335537858,1098.2698111170002,853.35299999999995,767.23099999999999,825.61699999999996]
["General administrative expenses",-476.72586034999995,-552.47487566799998,75.749015318000033,-0.13710852502824045,null,-108.68662928399993,-125.85647073000001,17.169841446000078,-0.13642398635851272,null,null,-108.68662928399993,-125.85647073000001,-128.63149628299999,-113.55126405300001,-160.70373623000006,-127.01441324499996,-139.987679138,-124.76904705499999,-150.640410514,-122.31552828199999,-116.08925703799999,-121.92382620000001,-152.55951002999996,-113.23300985500001,-109.22848945700002,-112.67407104199999,null,null,-552.47487566799998,-510.96902203399998,-487.69499999999999,-414.94299999999998,-366.40300000000002]
["Operating result",604.78924480700005,633.86066219000008,-29.071417383000039,-4.5864050440609039E-2,null,125.00928395600005,143.25693248699997,-18.247648530999925,-0.1273770714911534,null,null,125.00928395600005,143.25693248699997,168.88982012200006,167.63320824199997,131.73436587500001,191.38407765700006,152.78194380199997,157.96027485600004,113.44156798000023,156.81785187900007,150.14776167099998,166.89360755299998,60.88400552700012,79.242483362999977,120.17147830899997,105.359691078,null,null,633.86066219000008,587.30078908300027,365.65800000000002,352.28699999999998,459.214]
["Net provisioning for impairment losses",-152.01398853799998,-48.093248810000006,-103.92073972799997,2.1608176261611129,null,-35.154099211999977,-47.348154405999992,12.194055194000015,-0.25754024305654399,null,null,-35.154099211999977,-47.348154405999992,-42.783124941000011,-26.728609978999998,-28.624622534000004,-26.565276576999999,-7.4481638400000012,14.544814141000002,2.4889070649999994,-1.3673850679999995,14.259064139999998,0.56561649699999994,63.034776031999996,-16.690009599,-2.4923602059999994,-1.7906613490000001,null,null,-48.093248810000006,15.946202633999999,42.061999999999998,-76.929000000000002,-322.149]
["Other results",-16.799991518000002,29.011784900999999,-45.811776418999997,"–",null,-20.409774858000002,4.3445788769999982,-24.754353735000002,"–",null,null,-20.409774858000002,4.3445788769999982,0.90219161399999981,-1.6369871509999994,5.1649007729999994,-2.9310923430000031,0.97060207700000323,25.807374394,-2.5365956719999998,7.7183926720000002,0,-9.9017465250000001,23.222193428000001,18.125115356000002,-6.1587795920000028,-9.1999490219999984,null,null,29.011784900999999,-4.7199495249999996,25.989000000000001,-8.4049999999999994,14.718999999999999]
["Profit/loss before tax",435.97526475099897,614.77919828099903,-178.80393353000005,-0.29084252367347274,null,69.44540988599897,100.25335695799998,-30.807947072001014,-0.30730090250152575,null,null,69.44540988599897,100.25335695799998,127.00888679500002,139.267611112,108.27464411399899,161.88770873700003,146.30438203899993,198.31246339100005,113.39387937300029,152.90517117100001,174.670514123,157.55747752500002,147.14097498700011,80.677589119999936,111.52033851099998,94.369080707000009,null,null,614.77919828099903,598.52704219200029,433.70800000000003,266.95400000000001,151.78399999999999]
["Income taxes  ",-95.749999427000006,-146.06122088299998,50.31122145599997,-0.34445297082858817,null,-18.614554671000004,-22.381262369999998,3.7667076989999941,-0.16829737468467887,null,null,-18.614554671000004,-22.381262369999998,-24.061116642000005,-30.693065743999998,-21.623434860999957,-36.756727591999997,-45.079447306000006,-42.601611123999994,-23.069158171999995,-25.634427689000002,-39.306930026999993,-37.653437074000003,-35.696598985999998,-26.648200341999996,-25.840064037000001,-23.943665054,null,null,-146.06122088299998,-125.663952962,-112.129,-53.215000000000003,-28.440999999999999]
["Profit/loss after tax",340.22526532399996,468.71797739800002,-128.49271207400005,-0.27413651336205036,null,50.8308552149999,77.872094588000977,-27.041239373001076,-0.3472519843734595,null,null,50.8308552149999,77.872094588000977,102.94777015300002,108.574545368,86.65120925299999,125.13098114500002,101.22493473299991,155.71085226700006,90.32472120100033,127.27074348199996,135.36358409600001,119.90404045100003,111.44437600100011,54.029388777999962,85.680274473999958,70.425415653000016,null,null,468.71797739800002,472.86308923000036,321.57900000000001,213.739,123.342]
["Profit attributable to non-controlling interests",7.4675264131462011,-1.5997354210000001,9.0672618341462012,"–",null,6.3393664293962022,1.8524382901249996,4.4869281392712024,2.4221741491687867,null,null,6.3393664293962022,1.8524382901249996,-1.6258145706250002,0.90153626425,0.63842399450000009,-1.0824403648750001,-0.75301515037500011,-0.40270390025000008,-1.7512421762499994,-8.9949454134687485,8.566302905968751,-2.8501291451249999,9.3289407625064713E-2,2.0877637053750071,-0.8074723985000708,-1.2108075000000007,null,null,-1.5997354210000001,-5.0300138288749991,0.16300000000000001,-0.23400000000000001,-0.253]
["Consolidated profit/loss",347.69279173714614,467.11824197700003,-119.42545023985389,-0.25566428263303442,null,57.170221644396051,79.724532878125032,-22.554311233728981,-0.28290302143516821,null,null,57.170221644396051,79.724532878125032,101.32195558237503,109.47608163225,87.289633247499978,124.04854078012505,100.47191958262492,155.30814836675006,88.573479024750355,118.2757980685312,143.92988700196878,117.05391130587502,111.53766540862517,56.117152483374959,84.872802075499891,69.214608153000029,null,null,467.11824197700003,467.83307540112537,321.74200000000002,213.505,123.089]
[]
["Risk-weighted assets (credit risk)",7098.3624702525112,9239.4435069069532,-2141.081036654442,-0.23173268336495323,null,7098.3624702525112,9486.8958228403699,-2388.5333525878586,-0.25177185427052928,null,null,7098.3624702525112,9486.8958228403699,9348.9882054325408,8544.8030231122266,9239.4435069069532,10225.973615915478,10216.647664946046,10585.659333476377,10242.994031529441,9699.9450133162281,10073.807734800001,10607.22438076945,10516.501033183376,11331.009126816736,9309.8420910000004,8833.5499316000005,null,null,9239.4435069069532,10242.994031529441,10516.501033183376,8692.3379999999997,6726.7510000000002]
["Risk-weighted assets (total RWA)",8372.166409980262,11535.902572529829,-3163.7361625495669,-0.27425129006232218,null,8372.1664099802601,11466.406378487245,-3094.239968506985,-0.2698526344149339,null,null,8372.1664099802601,11466.406378487245,11406.964680359042,10613.865461100228,11535.902572529829,12262.787683146604,12391.808941173795,12965.479685411001,12231.336481529443,11687.970995455853,11985.51164734375,13082.2075349322,12909.646720051878,13721.088228291861,12096.18490739425,11349.455156287877,null,null,11535.902572529829,12231.336481529443,12909.646720051878,11136.637500000001,8914.625]
["Total capital requirement",669.77331279842087,922.87220580238625,-253.09889300396537,-0.27425129006232218,null,669.77331279842087,917.31251027897963,-247.53919748055876,-0.2698526344149339,null,null,669.77331279842087,917.31251027897963,912.55717442872333,849.10923688801813,922.87220580238625,981.02301465172832,991.34471529390362,1037.23837483288,978.50691852235536,935.03767963646828,958.84093178750004,1046.576602794576,1032.7717376041503,1097.6870582633489,967.69479259154002,907.95641250303015,null,null,922.87220580238625,978.50691852235536,1032.7717376041503,890.93100000000004,713.17]
["Total assets",12457.056123515998,15554.626103840001,-3097.5699803240022,-0.19914139752670101,null,12457.056123515998,14682.836911333005,-2225.7807878170061,-0.15159064976735037,null,null,12457.056123515998,14682.836911333005,16041.42304282899,15103.168887101006,15554.626103840001,15796.099897528995,16207.730473792999,16186.832400375999,15635.306598959996,15442.539107589995,17040.531984706999,15195.326218734001,14217.958378748996,13974.532820072007,13196.323885977001,12464.461278887005,null,null,15554.626103840001,15635.306598959996,14217.958378748996,12177.759,11681.105]
["Liabilities",11051.593646743993,13194.456256452984,-2142.8626097089909,-0.16240628397710488,null,11051.593646743993,12711.898547450004,-1660.3049007060108,-0.13061030140451102,null,null,11051.593646743993,12711.898547450004,13778.331631671999,12803.424975003989,13194.456256452984,13445.110479976998,13915.394384697996,13553.449345077999,13175.284559855012,13066.004313827993,14852.149155999999,12135.401554619999,12135.401554619995,12078.000929773998,11219.75391426999,10464.129894651007,null,null,13194.456256452984,13175.284559855012,12135.401554619999,10276.907999999999,10062.24]
["Net interest margin (avg. interest bearing assets)",5.9242360688049903E-2,4.8043920837429303E-2,1.1198439850620598,0.23308755104550705,null,6.0858049666627008E-2,6.372554425417036E-2,-0.28674945875433522,-4.4997569202489762E-2,null,null,6.0858049666627008E-2,6.372554425417036E-2,5.7420637966179834E-2,5.4629534175106957E-2,4.7912652179844827E-2,4.6381633175050271E-2,4.7525226548206026E-2,5.1213874567298645E-2,5.4499141070749331E-2,4.9733873811015759E-2,null,null,null,null,null,null,null,null,4.8043920837429303E-2,5.2866572277511889E-2]
["NPL Ratio",5.9094298881198742E-2,4.8211347256953585E-2,1.0882951624245156,0.22573423568194295,null,5.9094298881198742E-2,5.5506097172133437E-2,0.35882017090653057,6.4645181194017409E-2,null,null,5.9094298881198742E-2,5.5506097172133437E-2,5.4727091140867608E-2,5.3058351320030374E-2,4.8211347256953585E-2,4.3552065401262489E-2,4.4564848013819582E-2,4.7646962104538088E-2,5.0493144138459255E-2,5.7970427416686461E-2,5.7230568681677425E-2,5.9718790102061103E-2,5.7768818618632999E-2,5.9023270790034249E-2,7.1800000000000003E-2,8.4000000000000005E-2,null,null,4.8211347256953585E-2,5.0493144138459255E-2,5.7768818618632999E-2,8.7932977847855226E-2,0.1010091014060512]
["NPL Coverage Ratio",0.70466408260975777,0.77830552408341547,-7.3641441473657698,-9.4617652316399514E-2,null,0.70466408260975777,0.74374453390887885,-3.9080451299121077,-5.2545530780208849E-2,null,null,0.70466408260975777,0.74374453390887885,0.75466311690613541,0.73798389372133333,0.77830552408341547,1.0194522719069148,1.0045650021760868,0.99707874588243928,0.99967306893992125,0.97101587622737895,0.96299671638805096,0.97589961275560566,1.0015914691783165,1.0725837010617176,1.0350999999999999,0.98699999999999999,null,null,0.77830552408341547,0.99967306893992125,1.0015914691783165,0.94286491920121085,0.85609003580721321]
["Cost/income ratio ",0.44079445407357054,0.46569866453257103,-2.4904210459000486,-5.3477092282403715E-2,null,0.46507714994733979,0.46767076342353503,-0.25936134761952445,-5.5458105980561445E-3,null,null,0.46507714994733979,0.46767076342353503,0.43234379921840876,0.40383191549023234,0.5495307727455413,0.39891650517933441,0.47814960354233538,0.44130211260604896,0.57043048288667109,0.4381974245124326,0.43603724831702251,0.4221484299464785,0.71475354794397095,0.58829832287662187,0.47614866959536284,0.51677350308704562,null,null,0.46569866453257103,0.46524908256771319,0.57150467595527343,0.54083240673919353]
["Provisioning ratio (avg. loans and advances to customers)",1.5217980543149221E-2,4.8243560882395243E-3,1.0393624454909698,2.1544065704947739,null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,4.8243560882395243E-3,-1.7025132000222584E-3]
["Average equity ",1514.7586347610982,1590.1860901504383,-75.427455389340139,-4.7433099721180705E-2,null,1514.7586347610982,1638.1609227545268,-123.40228799342867,-7.5329771501282505E-2,null,null,1514.7586347610982,1638.1609227545268,1727.1746255974804,1693.8383988195756,1590.1860901504383,1614.0640870832458,1641.7532335299452,1648.927683561488,1528.22752191686,1501.6142537424271,1533.280783235926,1563.2542338109208,1274.7569359806491,1259.1499475373976,1244,1233.5144683853409,null,null,1590.1860901504383,1528.2275219168584,1274.7569359806491,1079.2270000000001,829.63699999999994]
["Return on equity before tax",0.28781830632690819,0.38660833602364003,-9.8790029696731843,-0.25553000411944327,null,0.17620597955447398,0.23832002608380301,-6.2114046529329032,-0.26063292938499094,null,null,0.17620597955447398,0.23832002608380301,0.29700883542620826,0.32888051471511009,0.2703274577333904,0.39740962089835385,0.35568172235505702,0.48107012907362601,0.29940329536601379,0.40292983750635314,0.45126701467650793,0.40315253684848035,0.46437772581046455,0.25782167619135377,0.36006616828585664,0.30599999999999999,null,null,0.38660833602364003,0.39164786238194876,0.34022798471094862,0.24735692033074733,0.1829517726537595]
["Business outlets",212,195,17,8.7179487179487092E-2,null,212,206,6,2.9126213592232997E-2,null,null,212,206,201,196,195,192,190,189,186,193,193,192,191,192,190,196,null,null,195,186,191,198,215]
["indicative loans and advances to customers",8388.728983852001,9966.8247900019996,-1578.0958061499987,-0.15833485983751117,null,8388.728983852001,10805.536536643998,-2416.8075527919973,-0.22366381758055798,null,null,8388.728983852001,10805.536536643998,10303.311052082001,9597.8364824870041,9966.8247900019996,10172.866749671,9934.677682794003,10101.329963996997,9668.5162179899999,9112.9066412219963,9491.9046501440025,9485.4541599370004,9072.5821045429984,9219.0001285369981,8337,7733.7962999870006,null,null,9966.8247900019996,9668.5162179899999,9072.5821045429984,7601.4233217759993]
["indicative deposits from customers",7316.7048099999984,9924.3033133890003,-2607.598503389002,-0.26274877148011577,null,7316.7048099999984,9254.5863642540007,-1937.8815542540024,-0.20939688474236984,null,null,7316.7048099999984,9254.5863642540007,9936.4871735459965,9805.4757751739999,9924.3033133890003,10329.019808437999,10437.354089019002,10447.496871863998,9608.885433169,10087.509997583002,10624.713144936999,10063.535008270999,9319.5841325519996,9269.5607363099971,8283,7362.1671086749993,null,null,9924.3033133890003,9608.885433169,9319.5841325519996,6764.0627249380004]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12"]
["CEE Other "]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013*","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",385.81838574,422.13022338200005,-36.311837642000057,-8.6020463901112842E-2,null,85.938239051999943,93.514100333000016,-7.5758612810000727,-8.1013037114432307E-2,null,null,85.938239051999943,93.514100333000016,96.283815241000013,110.082231114,114.75778210200006,112.53540242899997,101.96277888200002,92.874259968999993,100.35604385299997,106.50528055600002,104.24739211999999,106.407644189,99.830253535999972,112.76450753,102.06785514000002,100.788345487,null,null,422.13022338200005,417.51636071799999,415.45100000000002,423.57499999999999,488.38400000000001]
["Net fee and commission income ",193.933015256,210.207534907,-16.274519650999991,-7.7421200235282539E-2,null,45.655470776000008,51.707793911999993,-6.0523231359999841,-0.11704856614653214,null,null,45.655470776000008,51.707793911999993,48.395909475000003,48.173841093,54.329227379000002,54.733901431999982,52.093572400000006,49.050833695999998,56.25450286400001,56.134488713999993,51.861209386999995,44.820295633000001,44.391730971999991,46.563049525000011,41.847307849999993,42.744285462999997,null,null,210.207534907,209.07049659800001,175.54599999999999,183.27199999999999,175.33199999999999]
["Net trading income",-111.663557942,11.72397449,-123.387532432,"–",null,-46.350219056999997,-20.623671366999993,-25.726547690000004,1.2474281243234482,null,null,-46.350219056999997,-20.623671366999993,-4.2280684560000026,-40.461599061999998,3.6608098020000002,8.7469738499999998,3.3588201849999999,-4.0426293470000001,-14.046303602,0.89856174199999983,0.15388198299999931,-6.4495968569999995,-52.729588954,8.5700279839999922,36.559785970000007,7.0892522329999998,null,null,11.72397449,-19.443456733999998,-0.51100000000000001,23.158000000000001,17.071000000000002]
["Sundry net operating income",-16.450986536000002,-5.9372347750000003,-10.513751761000002,1.7708162401241747,null,-3.8625957330000036,-5.4789065989999992,1.6163108659999956,-0.29500609962852842,null,null,-3.8625957330000036,-5.4789065989999992,-6.5167776420000001,-0.59270656200000005,-1.8823818110000001,-1.486676932,-1.4548012660000003,-1.1133747660000002,-2.9030875349999992,-0.36596848100000012,-1.8513700970000002,-4.4975817999999994E-2,-5.1734081419999995,0.87825667299999943,-0.81477956699999954,-1.4676689590000001,null,null,-5.9372347750000003,-5.165401930999999,-6.5780000000000003,-7.875,-2.8780000000000001]
["Operating income",451.63685651800006,638.12449800400009,-186.48764148600003,-0.29224335074004792,null,81.380895038000034,119.119316279,-37.738421240999969,-0.31681193629931048,null,null,81.380895038000034,119.119316279,133.934878618,117.20176658299999,170.86543747200002,174.52960077899999,155.96037020100002,136.769089552,139.66115558000001,163.172362531,154.41111339299997,144.733367147,86.318987411999899,168.77584171200002,179.66016939299996,149.15421422399999,null,null,638.12449800400009,601.97799865100001,583.90899999999999,622.13099999999997,677.90899999999999]
["General administrative expenses",-296.06784685800005,-357.618706734,61.550859875999947,-0.17211308781389345,null,-54.865183815000066,-96.671874250999949,41.806690435999883,-0.43245970723038341,null,null,-54.865183815000066,-96.671874250999949,-67.305957485000008,-77.224831307000002,-89.266726215999981,-88.55540665200003,-89.681413477999982,-90.115160388000007,-105.52556291800003,-96.44892639599999,-91.573166576999967,-90.417725930000017,-87.524618589000013,-83.198826818999976,-79.990367740000011,-85.260794976,null,null,-357.618706734,-383.96538182099999,-335.97500000000002,-346.30099999999999,-294.09899999999999]
["Operating result",155.56900966000003,280.50579127000003,-124.93678161,-0.44539822527137229,null,26.515711222999997,22.447442028000026,4.0682691949999708,0.18123531357939915,null,null,26.515711222999997,22.447442028000026,66.628921133000006,39.976935275999992,81.598711256000087,85.974194126999947,66.278956723000022,46.653929163999983,34.135592661999979,66.723436135,62.837946816000013,54.315641216999964,-1.2056311770001193,85.57701489300004,99.669801652999951,63.893419247999994,null,null,280.50579127000003,218.01261682999996,247.935,275.83,383.81]
["Net provisioning for impairment losses",-542.10409636700001,-107.60504584900001,-434.49905051799999,4.037905909428483,null,-211.89369547299998,-144.45714076000002,-67.436554712999964,0.46682742270967781,null,null,-211.89369547299998,-144.45714076000002,-93.947779596000018,-91.805480537999998,-13.505833931000019,-36.884214323999991,-31.862819499,-25.352178094999999,-12.947355968000004,-25.508340254000004,-26.696834025000001,-23.537273410999997,-28.84733516399999,-27.610331113000008,-20.572058950999992,-50.655461321000004,null,null,-107.60504584900001,-88.689803658000002,-127.685,-213.57499999999999,-514.43499999999995]
["Other results",133.089324336,43.972360037999998,89.116964297999999,2.0266586605992258,null,25.043127063000021,30.683662468999991,-5.6405354059999695,-0.18382862253483134,null,null,25.043127063000021,30.683662468999991,33.960792876000006,43.401741928,0.26231212499999401,5.0038575060000028,6.4323615130000036,32.273828893999998,5.2478821360000003,-14.309784371000001,-5.9993359559999986,-6.2250990159999997,-6.545656408000001,-12.520386007999999,-0.95920550699999962,5.3996833959999995,null,null,43.972360037999998,-21.286337206999999,-14.625999999999999,26.902999999999999,4.9400000000000004]
["Profit/loss before tax",-253.445762371,216.87310545899999,-470.31886782999999,"–",null,-160.33485718700001,-91.326036263000006,-69.008820924000005,0.75563140313315413,null,null,-160.33485718700001,-91.326036263000006,6.6419344130000004,-8.4268033340000006,68.35518945000004,54.093837308999944,40.848498736999993,53.575579963000003,26.436118829999934,26.905311510000043,30.141776835000034,24.553268789999979,-36.598622749000057,45.446297772000065,78.138537194999984,18.637641323000008,null,null,216.87310545899999,108.03647596499999,105.624,89.156999999999996,-125.685]
["Income taxes  ",27.424037927000001,-47.017091961000006,74.441129888000006,"–",null,22.748049296000001,5.8015824479999996,16.946466848,2.9210076733188579,null,null,22.748049296000001,5.8015824479999996,-2.986695632,1.861101815,-15.279100992000005,-12.291428499000007,-8.7532033969999965,-10.693359073000002,-20.020182224000003,-8.6477732279999984,-10.319729997,-8.1757409879999994,-13.342238637000003,-12.676782142999993,-18.142284009000004,-7.4497785929999996,null,null,-47.017091961000006,-47.163426437000005,-51.610999999999997,-7.1689999999999996,21.361999999999998]
["Profit/loss after tax",-226.021724444,169.85601349799998,-395.87773794199995,"–",null,-137.58680789100003,-85.524453815000001,-52.062354076000034,0.60874231583656013,null,null,-137.58680789100003,-85.524453815000001,3.6552387810000004,-6.5657015190000001,53.076088458000051,41.802408809999925,32.095295340000007,42.882220890000006,6.4159366059999305,18.257538282000045,19.822046838000031,16.377527801999982,-49.940861386000066,32.769515629000075,59.996253185999976,11.187862730000008,null,null,169.85601349799998,60.873049527999989,54.012999999999998,81.988,-104.32299999999999]
["Profit attributable to non-controlling interests",4.887187615640201,-11.882110175289423,16.769297790929624,"–",null,4.6342206278318567,1.7987699178584569,2.8354507099733999,1.5763276235735439,null,null,4.6342206278318567,1.7987699178584569,-1.2678223727423255,-0.27798055730778698,-3.7363507302959817,-2.8225212503805537,-2.4988531144747248,-2.8243850801381623,-2.5561658370575837,-1.2782982744752016,-1.56892109406387,-0.91880417314601615,6.5057754955676863,-2.0572385983345174,-5.2186055460412772,-2.4315524896265943,null,null,-11.882110175289423,-6.3221893787426717,-3.202,-8.4429999999999996,0.90900000000000003]
["Consolidated profit/loss",-221.13453682835978,157.97390332271056,-379.10844015107034,"–",null,-132.95258726316811,-83.72568389714155,-49.226903366026562,0.58795462843280766,null,null,-132.95258726316811,-83.72568389714155,2.3874164082576748,-6.843682076307787,49.339737727704048,38.979887559619385,29.59644222552528,40.057835809861842,3.8597707689423406,16.979240007524844,18.253125743936167,15.458723628853964,-43.435085890432376,30.712277030665557,54.777647639958687,8.7563102403734145,null,null,157.97390332271056,54.550860149257318,50.811,73.545000000000002,-103.414]
[]
["Risk-weighted assets (credit risk)",3931.7047965183815,5041.646928440874,-1109.9421319224925,-0.22015467320035864,null,3931.7047965183815,4792.2396470369495,-860.53485051856796,-0.17956840932415352,null,null,3931.7047965183815,4792.2396470369495,4129.6762331149612,4444.3263298124502,5041.646928440874,5229.108996987502,5491.6075914902522,5474.4283933605657,5148.0265351088501,5119.652780110865,5338.8904301999992,5235.6008663001694,5489.957407242051,5605.4796537249767,5329.6526361999995,5531.9456742000002,null,null,5041.646928440874,5148.0265351088501,5489.957407242051,5671.0680000000002,5033.1220000000003]
["Risk-weighted assets (total RWA)",4626.1313050035069,6175.3262998468754,-1549.1949948433685,-0.25086852412669802,null,4626.1313050035069,5664.3580719654492,-1038.2267669619423,-0.18329116093497477,null,null,4626.1313050035069,5664.3580719654492,4979.6147977980863,5437.4560802674505,6175.3262998468745,6341.7832274322518,6620.5706624531258,6660.5891556546903,6289.6520101088508,6223.47340535274,6526.3344250451237,6356.2099426196692,6652.2836064711764,6757.9016179892278,6423.0357307488748,6749.2964240338733,null,null,6175.3262998468754,6289.6520101088508,6652.2836064711764,6986.1875,6039.4125000000004]
["Total capital requirement",370.09050440028057,494.02610398774999,-123.93559958746943,-0.25086852412669791,null,370.09050440028057,453.14864575723595,-83.058141356955389,-0.18329116093497477,null,null,370.09050440028057,453.14864575723595,398.36918382384692,434.99648642139601,494.02610398774999,507.34265819458011,529.64565299625008,532.84713245237526,503.17216080870804,497.87787242821918,522.10675400360992,508.49679540957356,532.18268851769415,540.63212943913823,513.84285845990996,539.94371392270989,null,null,494.02610398774999,503.17216080870804,532.18268851769415,558.89499999999998,483.15300000000002]
["Total assets",4043.3965877710007,5809.2177944499972,-1765.8212066789965,-0.30396884213327735,null,4043.3965877710007,4563.9218803929998,-520.52529262199914,-0.11405219157195057,null,null,4043.3965877710007,4563.9218803929998,4559.963209081001,4757.7360137619999,5809.2177944499972,5980.6351065790013,6212.8257311230027,6348.8425469979975,6323.791123721001,6356.1547334790002,6517.986506786001,6414.9560220640005,6760.7767327929987,6758.364097849003,6522.518431241997,6864.1933808640006,null,null,5809.2177944499972,6323.791123721001,6760.7767327929987,7130.9170000000004,6280.8019999999997]
["Liabilities",3492.2293412950016,4657.4094105219965,-1165.1800692269949,-0.25017772038563446,null,3492.2293412950016,3827.6094850479994,-335.38014375299781,-8.7621306474213623E-2,null,null,3492.2293412950016,3827.6094850479994,3752.4003287920027,3863.6237364529993,4657.4094105219965,4863.4178062149986,5095.8951929580016,5236.5821228260065,5274.8432857510015,5266.4997278450019,5421.6133935390026,5723.5617168650051,5723.5617168649969,5793.2973359749994,5629.4946747329977,5900.0266924440011,null,null,4657.4094105219965,5274.8432857510015,5723.5617168650051,6114.1289999999999,5387.2950000000001]
["Net interest margin (avg. interest bearing assets)",8.9168513940083807E-2,7.6005523846185807E-2,1.3162990093897999,0.17318465063850175,null,8.7949415889733762E-2,8.9877187057089691E-2,-0.19277711673559295,-2.14489486206485E-2,null,null,8.7949415889733762E-2,8.9877187057089691E-2,9.0016520128333874E-2,8.8936802473091131E-2,8.5884276943484703E-2,8.0807545860753061E-2,7.1317074933036309E-2,6.5853460655402124E-2,6.9639422865523215E-2,7.3082575636682842E-2,null,null,null,null,null,null,null,null,7.6005523846185807E-2,7.12006717167388E-2]
["NPL Ratio",0.33720202480681777,0.24385138863177916,9.3350636175038613,0.38281773459982249,null,0.33720202480681777,0.29316027285746005,4.4041751949357719,0.15023096929225344,null,null,0.33720202480681777,0.29316027285746005,0.26996692460423943,0.24750824399690941,0.24385138863177916,0.25439930924776338,0.26821549561399632,0.27636601648526382,0.28239486983005591,0.31302093546471804,0.31329994438743713,0.30249536889623174,0.29660470620067297,0.28063416035047434,0.27529999999999999,0.26300000000000001,null,null,0.24385138863177916,0.28239486983005591,0.29660470620067297,0.26906243199156149,0.19902573849742949]
["NPL Coverage Ratio",0.87040695542495228,0.72200520481323838,14.84017506117139,0.20554110915322421,null,0.87040695542495228,0.82594276944093103,4.4464185984021238,5.3834463632532747E-2,null,null,0.87040695542495228,0.82594276944093103,0.80395623081286471,0.78196191045812846,0.72200520481323838,0.72694508451209383,0.70446020493613337,0.7088388536369753,0.70188943697728601,0.68500954367888867,0.67767134798224726,0.68994199433088299,0.6822435658873055,0.71581670054027169,0.72909999999999997,0.72399999999999998,null,null,0.72200520481323838,0.70188943697728601,0.6822435658873055,0.69552939420122495,0.72852756803035834]
["Cost/income ratio ",0.65554403407331341,0.56042152879665541,9.5122505276657989,0.16973385280345377,null,0.67417768985437232,0.81155497924934494,-13.737728939497263,-0.1692766268553253,null,null,0.67417768985437232,0.81155497924934494,0.50252748335230513,0.65890501106321542,0.52243875377446214,0.50739477003751521,0.57502693384492209,0.65888543005719113,0.75558277088401582,0.59108616741193731,0.59304777075165704,0.62471928700564461,1.0139671607967973,0.49295459572330791,0.44523150573805848,0.57162846802273537,null,null,0.56042152879665541,0.63783956005276876,0.57538843503917392,0.55663698779404347]
["Provisioning ratio (avg. loans and advances to customers)",0.1346153824622118,2.2926209211377068E-2,11.168917325083473,4.8716808008281323,null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,2.2926209211377068E-2,1.8263747956025346E-2]
["Average equity ",762.63953344360789,831.21025734655541,-68.57072390294752,-8.2495040571134881E-2,null,762.63953344360789,809.81582785702722,-47.176294413419328,-5.8255584529953497E-2,null,null,762.63953344360789,809.81582785702722,854.02497797225124,888.05339553478609,831.21025734655541,838.98503052627257,856.5565911787686,853.51603236306937,791.26327340655484,778.79331782725751,788.69020072627893,782.38291183934496,699.06602837865353,712.68303195760097,725,753.4842270662399,null,null,831.21025734655541,791.26327340655484,699.06602837865353,664.14599999999996,562.05700000000002]
["Return on equity before tax","–",0.26091245090179316,"–","–",null,"–","–","–","–",null,null,"–","–",3.0501196795773983E-2,"–",0.32741159006547599,0.25525592592071739,0.1910959718302308,0.25108177436184342,0.13470052808393368,0.13727344706583808,0.15348376390085286,0.12553070072696967,"–",0.25283904054518008,0.42271808257272164,9.9000000000000005E-2,null,null,0.26091245090179316,0.13653669972559226,0.15109281420236337,0.13424351918439356,"–"]
["Business outlets",769,899,-130,-0.1446051167964405,null,769,767,2,2.6075619295957697E-3,null,null,769,767,810,867,899,919,921,923,926,927,926,927,1011,1014,1022,1019,null,null,899,926,1011,1028,1050]
["indicative loans and advances to customers",3758.7881062930014,4542.9504798629996,-784.16237356999818,-0.17261081252059918,null,3758.7881062930014,3964.8408110370001,-206.05270474399867,-5.1969981788526298E-2,null,null,3758.7881062930014,3964.8408110370001,3867.9776884919993,4007.699569847,4542.9504798629996,4662.8882503950008,4786.0945135229995,4848.4106043170004,4627.3487078089993,4766.7181614700003,4963.0943504960005,4846.5945556440001,5076.5300162880012,5089.9384922210002,4813,5097.8817197190001,null,null,4542.9504798629996,4627.3487078089993,5076.5300162880012,5097.8817197190001]
["indicative deposits from customers",2407.683685299,3275.1131721639999,-867.42948686499994,-0.26485481302982095,null,2407.683685299,2637.7477922789999,-230.06410697999991,-8.7219903151250722E-2,null,null,2407.683685299,2637.7477922789999,2473.8167623710001,2383.0381748309997,3275.1131721639999,3508.6435643309987,3711.0794626960001,3761.2107391170002,3517.8819927010004,3456.970464785999,3483.4557256470007,3286.7216850509999,3299.1259628180001,3297.1420743029998,3265,3304.7096807679991,null,null,3275.1131721639999,3517.8819927010004,3299.1259628180001,3304.7096807679991]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12"]
["Group Corporates"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013*","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",468.77970274099999,478.24591757000002,-9.4662148290000232,-1.9793613455392323E-2,null,90.258751178999987,130.27503415199999,-40.016282973000003,-0.30716770280259931,null,null,90.258751178999987,130.27503415199999,124.33109817500001,123.914819235,123.75224292599998,115.27988047700003,130.15226757999997,109.061526587,96.049291850999992,93.714282088000033,106.33973290099998,107.93754952500001,119.99066717700002,110.187794368,102.51282956599999,96.652358109999994,null,null,478.24591757000002,404.04085636500002,429.34399999999999,370.94900000000001,311.70100000000002]
["Net fee and commission income ",139.83968709599998,159.36554288100001,-19.525855785000033,-0.12252244388600486,null,39.132689656999972,31.590317750000011,7.5423719069999606,0.23875581014059155,null,null,39.132689656999972,31.590317750000011,31.942557958999998,37.174121729999996,41.876980355000036,43.887318422999989,30.751627276000008,42.849616826999998,43.603941482999986,37.164918902000004,43.824225302000002,38.172561152,46.276853175999975,46.165032245000006,44.238766727000005,41.117352646999997,null,null,159.36554288100001,162.765646839,177.798,155.35,110.901]
["Net trading income",5.9006530050000006,-16.345313494999999,22.245966500000002,"–",null,-5.5426743999999806E-2,4.1575605610000004,-4.2129873050000004,"–",null,null,-5.5426743999999806E-2,4.1575605610000004,0.83386373700000005,0.96465545099999994,-12.402591663999999,-6.8294831839999999,0.27683413700000026,2.609927216,-3.4762177489999995,4.6281484599999985,4.1866032210000013,10.962828419999999,13.486030019999999,2.8437328010000003,-3.8505756000000474E-2,4.7710824740000009,null,null,-16.345313494999999,16.301362352000002,21.062000000000001,18.934000000000001,6.4539999999999997]
["Sundry net operating income",0.26008614800000029,0.35017230399999999,-9.0086155999999695E-2,-0.25726236761431509,null,-6.1972984999999398E-2,9.5786269999999091E-2,-0.15775925499999849,"–",null,null,-6.1972984999999398E-2,9.5786269999999091E-2,5.550362100000053E-2,0.17076924200000007,-6.863821399999992E-2,0.1466976809999998,-1.5332625319999997,1.8053753689999998,5.6511332009999995,1.8364384999999992,1.9425926330000003,2.0954108709999999,2.2209488830000002,1.441602144,2.1166333900000001,0.173222397,null,null,0.35017230399999999,11.525575204999999,5.952,2.0089999999999999,0.47599999999999998]
["Operating income",614.78012898999987,621.61631926000007,-6.836190270000202,-1.0997443371722149E-2,null,129.2740411069999,166.11869873299997,-36.844657626000071,-0.22179717218481176,null,null,129.2740411069999,166.11869873299997,157.16302349199998,162.22436565800001,153.15799340300009,152.48441339699997,159.64746646100002,156.32644599899999,141.82814878599993,137.34378795000003,156.29315405699995,159.16834996800003,181.97449925599992,160.63816155800004,148.82972392699997,142.714015628,null,null,621.61631926000007,594.63344076099997,634.15599999999995,547.24,429.53199999999998]
["General administrative expenses",-180.07309953400002,-190.93746236800004,10.864362834000019,-5.6900111163417311E-2,null,-38.026094492000013,-48.396488773999991,10.370394281999978,-0.21427988981653678,null,null,-38.026094492000013,-48.396488773999991,-48.255402544000006,-45.395113723999998,-48.841523425000048,-46.450312673999974,-51.257344477000011,-44.388281792000001,-46.88717156900001,-48.503506136000013,-46.311036263999988,-35.402955657000007,-38.74222943800001,-31.245465589999991,-38.104703800000003,-32.899606247999998,null,null,-190.93746236800004,-177.104669626,-140.99199999999999,-141.77199999999999,-130.029]
["Operating result",434.70702945599982,430.67885689199994,4.028172563999874,9.3530771235654786E-3,null,91.247946614999861,117.72220995899993,-26.474263344000065,-0.22488758368722839,null,null,91.247946614999861,117.72220995899993,108.90762094799997,116.82925193400003,104.31646997799999,106.03410072299994,108.39012198400003,111.938164207,94.940977216999926,88.840281814000051,109.98211779299996,123.76539431100001,143.23226981799991,129.39269596800006,110.72502012699996,109.81440938,null,null,430.67885689199994,417.52877113499994,493.16399999999999,405.46800000000002,299.50299999999999]
["Net provisioning for impairment losses",-490.37313189399998,-257.99930281799999,-232.37382907599999,0.90067618996599808,null,-209.48412303299992,-235.56198027600007,26.077857243000153,-0.11070486507392063,null,null,-209.48412303299992,-235.56198027600007,-11.235572453000003,-34.091456131999998,-50.33046528600002,-104.677131182,-30.040297570999989,-72.951408779000005,-60.634838768999991,-31.002517707999999,-20.808198976,-0.61420953300000003,-79.483347511000005,-16.757882591999998,-8.1690394290000015,-11.110159952,null,null,-257.99930281799999,-113.05976498599999,-115.52,-129.05500000000001,-162.85]
["Other results",-4.5513597170000004,1.0815619999999999,-5.6329217170000003,"–",null,-1.2670205700000001,-1.2865791280000001,1.9558557999999948E-2,-1.5201986084139252E-2,null,null,-1.2670205700000001,-1.2865791280000001,-0.68988853600000022,-1.307871483,2.8194310000000002,-2.236167,5.8658000000000016E-2,0.43963999999999998,-3.105472643000001,16.303229258000002,-0.50924694000000004,1.751641856,2.0161046800000002,-5.70810204,-2.1098220299999997,1.8354015669999999,null,null,1.0815619999999999,14.440151531,-3.9660000000000002,18.872,19.285]
["Profit/loss before tax",-60.217462155,173.761116074,-233.97857822899999,"–",null,-119.50319698799998,-119.12634944500002,-0.37684754299996825,3.1634272749536674E-3,null,null,-119.50319698799998,-119.12634944500002,96.982159959000001,81.429924319000008,56.805435691999982,-0.87919745899998958,78.408482412999987,39.426395427999999,31.200665804999939,74.140993364000025,88.664671876999989,124.90282663399999,65.765026987000013,106.92671133600001,100.44615866799998,100.53965099500002,null,null,173.761116074,318.90915767999996,373.678,295.28500000000003,155.93799999999999]
["Income taxes  ",-87.239700476999985,-35.730680163000002,-51.509020313999983,1.4415908143651528,null,-56.878206398999978,2.2568661379999977,-59.135072536999978,"–",null,null,-56.878206398999978,2.2568661379999977,-16.939761566000001,-15.67859865,-9.1121215470000028,-2.0757423049999986,-11.502625948000002,-13.040190362999999,-0.68407687899998559,-21.817494773000007,-17.079197027999999,-32.002075046000002,-12.762776975999987,-20.027231409000006,-20.127655921999999,-23.032549168999999,null,null,-35.730680163000002,-71.582843725999993,-75.95,-65.430999999999997,-47.548000000000002]
["Profit/loss after tax",-147.45716263200001,138.03043591100001,-285.48759854299999,"–",null,-176.38140338700001,-116.869483307,-59.51192008000001,0.50921693496043297,null,null,-176.38140338700001,-116.869483307,80.042398392999999,65.751325668999996,47.693314145000002,-2.9549397639999988,66.905856464999985,26.386205064999995,30.516588925999937,52.323498591000039,71.585474848999979,92.900751588000006,53.002250011000022,86.899479927000002,80.31850274599995,77.507101826000024,null,null,138.03043591100001,247.32631395399994,297.72699999999998,229.85499999999999,108.39]
["Profit attributable to non-controlling interests",-4.2185062500000002E-2,-0.1186185,7.6433437500000007E-2,-0.64436354784456051,null,0.34632412500000004,-0.16875056250000003,0.51507468750000007,"–",null,null,0.34632412500000004,-0.16875056250000003,-0.1384089375,-8.1349687500000004E-2,-7.3280812500000014E-2,-5.5760437499999982E-2,-0.36328349999999998,0.37370625000000002,1.1242809500000008E-2,0.10949168325,-5.1996877500000002E-3,-2.5983400000000002E-3,-3.7050000003952323E-5,9.8179999986009776E-6,-3.1861999995459796E-5,-5.6919999991889108E-6,null,null,-0.1186185,0.112936465,1.0000000000000001E-5,-7.0000000000000001E-3,0.47099999999999997]
["Consolidated profit/loss",-147.49934769449999,137.91181741099999,-285.4111651055,"–",null,-176.03507926199998,-117.0382338695,-58.996845392499978,0.50408181533465934,null,null,-176.03507926199998,-117.0382338695,79.903989455499996,65.669975981500002,47.620033332499986,-3.0107002014999829,66.542572965000005,26.759911314999993,30.52783173549993,52.432990274250045,71.580275161249986,92.898153248,53.002212961000012,86.899489744999997,80.318470883999979,77.507096134000022,null,null,137.91181741099999,247.43925041899996,297.72699999999998,229.84800000000001,108.86]
[]
["Risk-weighted assets (credit risk)",11695.844282122898,12935.642619559068,-1239.7983374361702,-9.5843583028612622E-2,null,11695.844282122898,13471.564081936051,-1775.7197998131523,-0.13181244501477041,null,null,11695.844282122898,13471.564081936051,12892.630397038012,12757.425903532247,12935.642619559068,13509.984322755885,12611.501959848592,14580.113208012524,13151.234723268266,12393.150140319522,11679.261796000001,14561.425033829886,15732.908642,14609.802322521091,15382.787495,15663.882431,null,null,12935.642619559068,13151.234723268266,15732.908642,15644.778,14212.609]
["Risk-weighted assets (total RWA)",12635.681600872897,13845.713382059068,-1210.0317811861714,-8.7393964312023176E-2,null,12635.681600872897,14298.638419436051,-1662.9568185631542,-0.11630176033423623,null,null,12635.681600872897,14298.638419436051,13634.670234538013,13235.353853532246,13845.713382059068,14293.923785255887,12611.501959848592,14829.603220512527,13955.939510768267,13257.034127819519,12367.199446000001,15055.506808829887,16663.141241999998,15364.399572521092,15834.194920000005,15933.206568499998,null,null,13845.713382059068,13955.939510768267,16663.141241999998,16267.625000000002,14592.2875]
["Total capital requirement",1010.8545280698318,1107.6570705647255,-96.802542494893714,-8.7393964312023176E-2,null,1010.8545280698318,1143.8910735548841,-133.03654548505233,-0.11630176033423623,null,null,1010.8545280698318,1143.8910735548841,1090.773618763041,1058.8283082825797,1107.6570705647255,1143.513902820471,1008.9201567878873,1186.3682576410022,1116.4751608614613,1060.5627302255616,989.37595568000006,1204.4405447063909,1333.0512993599998,1229.1519658016873,1266.7355936000004,1274.6565254799998,null,null,1107.6570705647255,1116.4751608614613,1333.0512993599998,1301.4100000000001,1167.383]
["Total assets",18617.541820276998,20812.27636084699,-2194.7345405699925,-0.10545384380436285,null,18617.541820276998,21088.028948276024,-2470.4871279990257,-0.1171511635373107,null,null,18617.541820276998,21088.028948276024,20596.402985744997,20883.524603990994,20812.27636084699,21667.001184288027,19529.208284613003,21379.595057148006,18996.626218715999,20292.889381822009,20817.008725513009,21979.663734927995,22842.659627063993,21596.418275357995,20688.919764163995,20602.366956152997,null,null,20812.27636084699,18996.626218715999,22842.659627063993,23477.901999999998,22197.063999999998]
["Liabilities",16712.477121395001,13556.707906135007,3155.7692152599939,0.23278285828020739,null,16712.477121395001,17146.473372630007,-433.99625123500664,-2.531110869292641E-2,null,null,16712.477121395001,17146.473372630007,15373.028041603004,14931.691124070003,13556.707906135007,13587.393317405005,14588.057163005011,13927.548421996,13190.568187815003,14314.585502258005,15741.242158768,15377.841363824002,15377.841363824002,15056.408219787005,13863.075160808003,13103.546652638006,null,null,13556.707906135007,13190.568187815003,15377.841363824002,16148.276,12568.215]
["Net interest margin (avg. interest bearing assets)",2.3064594582009296E-2,2.3355424982246173E-2,-2.9083040023687723E-2,-1.2452370293323911E-2,null,1.8262673935954071E-2,2.5094044552034865E-2,-0.68313706160807941,-0.27223075187880952,null,null,1.8262673935954071E-2,2.5094044552034865E-2,2.4063155384527253E-2,2.38522485338695E-2,2.3378549915630559E-2,2.2463933678971593E-2,2.5547100245055951E-2,2.1700967809864399E-2,1.9647247556229753E-2,1.8313005267957476E-2,null,null,null,null,null,null,null,null,2.3355424982246173E-2,1.934398481266315E-2]
["NPL Ratio",0.10536431827145745,6.7321250645277719E-2,3.8043067626179732,0.56509745825478475,null,0.10536431827145745,8.6367542106012149E-2,1.8996776165445304,0.21995272416259848,null,null,0.10536431827145745,8.6367542106012149E-2,6.1766098599790722E-2,6.0093213680855677E-2,6.7321250645277719E-2,5.4553298382315735E-2,4.0725794775653697E-2,4.4272702470248615E-2,4.8041324000340238E-2,4.5772651145297542E-2,4.0634062873070205E-2,3.3355123298295854E-2,3.0011064869512018E-2,3.6475886885648928E-2,4.2599999999999999E-2,4.5999999999999999E-2,null,null,6.7321250645277719E-2,4.8041324000340238E-2,3.0011064869512018E-2,4.3298510915423291E-2,"–"]
["NPL Coverage Ratio",0.53452841537207096,0.46991491543493719,6.4613499937133776,0.13750042361887949,null,0.53452841537207096,0.49609396973356784,3.8434445638503121,7.7474123822034668E-2,null,null,0.53452841537207096,0.49609396973356784,0.51737120881881948,0.54920272907746548,0.46991491543493719,0.55485033704525311,0.65001319137210656,0.66574376456212958,0.60599999999999998,0.60999429515534043,0.59425738020081409,0.52546997324567923,0.66721657618348795,0.75502574567001657,0.69,0.67200000000000004,null,null,0.46991491543493719,0.60599999999999998,0.66721657618348795,0.65185250263764805,"–"]
["Cost/income ratio ",0.29290650598911777,0.30716288561294619,-1.4256379623828419,-4.6413093155378116E-2,null,0.29415104661674368,0.29133679196335943,0.28142546533842516,9.6597983193904557E-3,null,null,0.29415104661674368,0.29133679196335943,0.3070404314692784,0.27982919544713508,0.31889633926245559,0.30462334896527765,0.32106581841385856,0.28394608160083135,0.33059143738628788,0.3531539857751535,0.29630879575896463,0.22242459423696725,0.21289922267349023,0.19450836144385594,0.25602885495299388,0.23052820778133307,null,null,0.30716288561294619,0.29783839502760728,0.22233001984046877,0.2590671482515689]
["Provisioning ratio (avg. loans and advances to customers)",2.4218841932044082E-2,1.2711392621629384E-2,1.1507449310414699,0.90528627766826375,null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,1.2711392621629384E-2,5.5864312333395554E-3]
["Average equity ",1887.1209109173851,1802.9802278451189,84.140683072266256,4.6667557288095907E-2,null,1887.1209109173851,1960.6127791976671,-73.491868280282006,-3.7484132032617246E-2,null,null,1887.1209109173851,1960.6127791976671,2037.5411346027709,2070.9450092214634,1802.9802278451189,1808.4476294943197,1811.8262950331584,1910.2063054784878,1769.8081313201801,1733.766927160581,1779.9018224014214,1907.6865532481299,1667.2976601667581,1654.14032154749,1728,1766.4336507479866,null,null,1802.9802278451189,1769.8081313201842,1667.2976601667581,1593.673,1358.029]
["Return on equity before tax","–",9.6374388021811724E-2,"–","–",null,"–","–","–","–",null,null,"–","–",0.18884261806219005,0.15728070799834945,0.12583479984235896,"–",0.16852830875736366,8.2559449866592444E-2,0.35527144703186059,0.16875169524665118,0.19235264426471052,0.26189381357505237,0.15840133664770734,0.25290453106981453,0.2299380045508754,0.22800000000000001,null,null,9.6374388021811724E-2,0.1801941984762554,0.22412167719867485,0.18528584671983861,0.11482681647937736]
["Business outlets",8,9,-1,-0.11111111111111116,null,8,8,0,0,null,null,8,8,8,9,9,9,9,8,8,8,8,8,8,8,8,8,null,null,9,8,8,8,7]
["indicative loans and advances to customers",19007.823856993,20401.080072572,-1393.2562155790001,-6.8293257544346786E-2,null,19007.823856993,21041.398639888997,-2033.5747828959975,-9.6646369269430155E-2,null,null,19007.823856993,21041.398639888997,20507.249554601003,20280.387590391998,20401.080072572,21424.487091671002,19740.367264253,20786.973973826,19130.583807255,18775.543397562,20126.564516933999,21352.571946163003,21745.289428769,20145.871169732,19648,17588.218239580001,null,null,20401.080072572,19130.583807255,21745.289428769,17588.218239580001]
["indicative deposits from customers",13086.812828644002,10708.008805465999,2378.8040231780033,0.22215185534435888,null,13086.812828644002,12741.743216868001,345.06961177600169,2.7081821215733326E-2,null,null,13086.812828644002,12741.743216868001,11176.987915426002,11488.802115285,10708.008805465999,10616.939965850001,10841.312263156,10013.630547043,9659.7541844999996,10687.5230362,11442.660462587999,10024.712708468,10073.795990801,11503.149183895999,9260,9767.6342963570005,null,null,10708.008805465999,9659.7541844999996,10073.795990801,9767.6342963570005]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12"]
["Group Markets"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013*","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",136.13893229600001,148.43465104000001,-12.295718743999998,-8.2835905618065975E-2,null,28.717728108000024,32.976756040000005,-4.2590279319999809,-0.12915242259832604,null,null,28.717728108000024,32.976756040000005,33.217163933999991,41.227284214000001,40.407788148999991,39.493808762999997,36.097095033999999,32.435959094000005,31.107032189999984,42.833458862000001,39.001294492,46.126357487,58.605227438,62.182119204000017,58.490086964999996,49.973413274999999,null,null,148.43465104000001,159.06814303099998,229.251,284.25,92.222999999999999]
["Net fee and commission income ",109.669013244,121.05902079399999,-11.390007549999993,-9.4086400792732228E-2,null,26.437342545000011,25.151265133999988,1.2860774110000222,5.1133706561006242E-2,null,null,26.437342545000011,25.151265133999988,29.182594251999998,28.897811313000002,34.487341827000002,23.654100000999996,36.478094351999999,26.439484614000001,28.964571815999996,27.054938729,23.818302663999994,25.358637339000001,23.169077476999984,25.684227929000002,33.874396689000001,31.874851019999998,null,null,121.05902079399999,105.19645054799999,114.60299999999999,106.806,122.523]
["Net trading income",96.036038912000009,83.767990870000006,12.268048042000004,0.14645269529072102,null,26.411225088999998,36.437119460000005,-10.025894371000007,-0.27515606391460901,null,null,26.411225088999998,36.437119460000005,25.086121315000007,8.1015730480000006,13.399129284000013,18.184064501999998,37.401881501999995,14.782915581999999,16.762223728000006,16.258515012999997,19.790739230000003,25.524562677999999,87.489489606000006,-1.9096927129999968,20.372496623000014,70.062326584999994,null,null,83.767990870000006,78.336040648999997,176.01499999999999,93.165000000000006,90.501000000000005]
["Sundry net operating income",24.955315946999999,22.041260925000003,2.9140550219999959,0.13220908875928994,null,9.9770245620000004,4.3149375299999981,5.6620870320000023,1.3122060267695241,null,null,9.9770245620000004,4.3149375299999981,5.9384191780000002,4.7249346770000002,5.6687426150000029,6.9199532940000008,7.0479039390000002,2.4046610770000001,3.9164549259999983,2.146048409,4.2703858220000006,3.5261888989999997,5.1442064209999954,7.1868625910000006,9.3399782289999997,7.0451632690000006,null,null,22.041260925000003,13.859078055999998,28.716564999999999,29.513000000000002,30.375]
["Operating income",366.799300399,375.30292362900002,-8.5036232300000165,-2.2658025543137339E-2,null,91.543320304000005,98.880078163999983,-7.3367578599999774,-7.4198544299605151E-2,null,null,91.543320304000005,98.880078163999983,93.424298678999989,82.951603251999998,93.963001875000003,88.251926559999987,117.02497482699998,76.063020367000007,80.750282660000025,88.292961012999996,86.88072220799998,100.53574640300002,174.40800094199994,93.143517011000014,122.07695850599997,158.95575414900003,null,null,375.30292362900002,356.45971228400003,548.584565,513.73400000000004,335.62200000000001]
["General administrative expenses",-243.974693879,-252.69510097099999,8.7204070919999879,-3.4509600932076556E-2,null,-55.694126179999977,-60.407283983000035,4.7131578030000583,-7.8023004714571242E-2,null,null,-55.694126179999977,-60.407283983000035,-63.92889337499998,-63.944390341000009,-60.19195962900001,-64.571399946999989,-67.152062666000006,-60.779678728999997,-64.060618654000024,-64.95746085799999,-70.064445161999984,-57.317526150000006,-66.124122120000038,-70.914878736000006,-64.671573669000011,-61.883703703999998,null,null,-252.69510097099999,-256.400050824,-263.59399999999999,-240.70400000000001,-242.23699999999999]
["Operating result",122.82460652,122.60782265800005,0.21678386199995714,1.768107917589079E-3,null,35.849194124000007,38.472794180999983,-2.623600056999976,-6.8193644700120459E-2,null,null,35.849194124000007,38.472794180999983,29.495405304000016,19.007212910999996,33.771042246000015,23.680526613000019,49.872912161000002,15.283341638,16.689664005999905,23.335500155000002,16.816277045999996,43.218220252999998,108.28387882200003,22.228638275000005,57.405384836999993,97.072050445000002,null,null,122.60782265800005,100.0596614599999,284.98956499999997,273.03100000000001,93.385999999999996]
["Net provisioning for impairment losses",1.17625961,-15.418026300000001,16.59428591,"–",null,-1.6413313300000001,1.3165032300000001,-2.9578345600000002,"–",null,null,-1.6413313300000001,1.3165032300000001,-0.39284607999999999,1.89393379,-21.918118300000003,5.0343594099999995,2.0013982600000002,-0.53566567000000009,1.184104800000001,0.28371310000000083,-23.8588731,4.6178739999999996,-5.7616594000000001,1.2852219999999996,-3.4442600000000003,-5.6237409999999999,null,null,-15.418026300000001,-17.7731812,-13.544,-30.995000000000001,-331.99099999999999]
["Other results",-13.490640365999999,18.096067659999996,-31.586708025999997,"–",null,-7.2679413739999985,-1.944779187,-5.3231621869999985,2.7371550572851739,null,null,-7.2679413739999985,-1.944779187,-0.77347980100000058,-3.5044400040000001,5.5383716599999957,5.1431694300000004,-3.2462444199999991,10.66077099,2.5867985999999799,19.940467600000005,16.076096400000008,137.509027,61.922306900000002,-113.14875669999999,-4.2406003700000001,50.268021169999997,null,null,18.096067659999996,176.1123896,-5.1985649999999994,7.1059999999999999,517.495]
["Profit/loss before tax",110.510225764,125.28586401800001,-14.775638254000015,-0.1179353981377913,null,26.939921419999987,37.844518224000012,-10.904596804000025,-0.28814204317402603,null,null,26.939921419999987,37.844518224000012,28.329079422999992,17.396706697000003,17.391295605999961,33.858055453000048,48.628066001000015,25.408446958000003,20.46056740599996,43.559680854999954,9.0335003460000145,185.345121253,164.49068232199997,-89.63489642499998,49.720524466999983,141.71633061499998,null,null,125.28586401800001,258.39886985999993,266.29300000000001,249.14099999999999,278.89]
["Income taxes  ",-12.964694159,-23.120372061000001,10.155677902000001,-0.43925235611285174,null,3.456466019999997,-3.4189397769999967,6.8754057969999938,"–",null,null,3.456466019999997,-3.4189397769999967,-6.3157320000000006,-6.6864884020000002,-2.3820090309999977,-6.9697836240000033,-11.457347166,-2.3112322400000003,-3.3084521709999901,-6.3105518220000016,-8.1725589790000015,-50.089102165,-41.959848626999992,17.839192116,-12.159682044999995,-35.348382729000008,null,null,-23.120372061000001,-67.880665136999994,-71.629000000000005,-62.039000000000001,-50.192999999999998]
["Profit/loss after tax",97.545531605000008,102.165491957,-4.6199603519999926,-4.5220360255735503E-2,null,30.396387440000002,34.425578447000007,-4.029191007000005,-0.11704061888758555,null,null,30.396387440000002,34.425578447000007,22.013347422999995,10.710218295000001,15.009286574999962,26.888271829000018,37.170718835000017,23.097214718000004,17.152115234999975,37.249129032999974,0.86094136699999213,135.25601908799999,122.53083369500001,-71.795704308999987,37.560842421999986,106.36794788599998,null,null,102.165491957,190.51820472299994,194.66399999999999,187.10300000000001,228.697]
["Profit attributable to non-controlling interests",-2.5114031800000046E-3,-2.8216544900000026E-3,3.10251309999998E-4,-0.10995368536421968,null,2.4256555900000008E-3,1.880791320000001E-3,5.4486426999999973E-4,0.28969948138637691,null,null,2.4256555900000008E-3,1.880791320000001E-3,1.755218430000002E-3,-8.573068520000008E-3,-1.509875470000005E-3,5.2924053509999978E-2,-1.8421492399999977E-3,-5.2393683289999986E-2,-5.4394927410000037E-2,-0.1691575251399999,-0.13260922086999996,-0.17057944339999997,-0.20641182910888814,-0.21538452521890378,-0.2421915999951175,-0.21550579999709049,null,null,-2.8216544900000026E-3,-0.52674111681999991,-0.879,-0.79500000000000004,-0.68200000000000005]
["Consolidated profit/loss",97.543020201820013,102.16267030250999,-4.6196501006899808,-4.52185723710129E-2,null,30.398813095589997,34.427459238320012,-4.0286461427300146,-0.11701839844881345,null,null,30.398813095589997,34.427459238320012,22.015102641430001,10.70164522648,15.007776699529948,26.941195882510023,37.168876685760011,23.044821034710004,17.097720307589974,37.079971507860002,0.72833214612997832,135.0854396446,122.32442186589113,-72.011088834218896,37.318650822004869,106.15244208600289,null,null,102.16267030250999,189.99146360617996,193.78399999999999,186.30799999999999,228.01499999999999]
[]
["Risk-weighted assets (credit risk)",3102.2920253709385,3920.4725229513128,-818.18049758037432,-0.20869435834343053,null,3102.2920253709385,3549.9928554200696,-447.70083004913113,-0.12611316368301673,null,null,3102.2920253709385,3549.9928554200696,3950.7318186490538,4638.6914447642494,3920.4725229513128,3610.4002175496394,3752.8851274533381,3776.781540269908,3323.1534161942595,3272.8262563737831,3827.6104360000004,4712.3210076537716,5128.7537380000003,5835.060581354508,6151.1252310000009,4813.9172099999987,null,null,3920.4725229513128,3323.1534161942595,5128.7537380000003,5273.3019999999997,9302.1389999999992]
["Risk-weighted assets (total RWA)",3937.1545370899398,5613.634086852876,-1676.4795497629361,-0.29864425144653606,null,3937.1545370899398,4291.8273302934449,-354.67279320350508,-8.2639110548572536E-2,null,null,3937.1545370899398,4291.8273302934449,4591.6346717654296,5942.7010799419377,5613.634086852876,5237.1400086368922,5048.6460313654634,5219.3636562017073,4617.1756618518575,4640.6885747298847,5257.9547116248468,17089.170900868001,10561.894331723941,15968.547269716168,12445.570827374366,12961.216494833772,null,null,5613.634086852876,4617.1756618518575,10514.169331723942,13582.7125,18081.7]
["Total capital requirement",314.97236296719518,449.09072694823004,-134.11836398103486,-0.29864425144653606,null,314.97236296719518,343.34618642347561,-28.373823456280434,-8.2639110548572647E-2,null,null,314.97236296719518,343.34618642347561,367.33077374123434,475.41608639535502,449.09072694823004,418.97120069095138,403.89168250923706,417.54909249613655,369.37405294814857,371.25508597839075,420.63637692998776,1367.1336720694401,844.95154653791531,1277.4837815772935,995.64566618994922,1036.8973195867018,null,null,449.09072694823004,369.37405294814857,841.13354653791532,1086.617,1446.5360000000001]
["Total assets",17634.652915862003,20271.05414439501,-2636.4012285330064,-0.13005743114064827,null,17634.652915862003,19751.394525711992,-2116.7416098499889,-0.10716922327152423,null,null,17634.652915862003,19751.394525711992,18351.204595012005,16755.489696643996,20271.05414439501,20778.147110006998,19485.699973703002,19438.258276671,20242.596512079996,20067.961868715,21840.301588148988,29680.881631377993,25614.931818564997,28565.087532903999,24577.913778961993,29195.747599273003,null,null,20271.05414439501,20242.596512079996,25731.848818564995,27217.88,46667.292000000001]
["Liabilities",18094.349338581989,18687.417445418003,-593.06810683601361,-3.1736226183646798E-2,null,18094.349338581989,19911.180789417002,-1816.8314508350122,-9.1246795961024918E-2,null,null,18094.349338581989,19911.180789417002,19293.119455150001,17813.679285953,18687.417445418003,23291.667407520999,22116.417743393009,19567.250226664008,25569.822117093991,27001.983091910013,28659.076688030011,29357.601440633996,29366.737283634007,27741.913197888003,22802.150274498999,29701.343031990989,null,null,18687.417445418003,25569.822117093991,29357.601440633996,26647.48,48242.902999999998]
["Net interest margin (avg. interest bearing assets)",9.8295813923107208E-3,7.4071259206497106E-3,0.24224554716610103,0.32704391657601617,null,9.455618319548692E-3,9.4859799863729957E-3,-3.036166682430369E-3,-3.2006884758263299E-3,null,null,9.455618319548692E-3,9.4859799863729957E-3,9.5513892708218601E-3,1.0858314822250883E-2,9.517201748387747E-3,9.3915911325337109E-3,9.068494500636029E-3,8.4009613010257497E-3,8.0895826166187887E-3,1.0642096560843934E-2,null,null,null,null,null,null,null,null,7.4071259206497106E-3,8.4602241428713178E-3]
["NPL Ratio",5.5351590373862815E-2,7.4692465345926259E-2,-1.9340874972063444,-0.25894010704412096,null,5.5351590373862815E-2,8.0548705241817592E-2,-2.5197114867954777,-0.3128183723414274,null,null,5.5351590373862815E-2,8.0548705241817592E-2,8.4628116924747795E-2,0.10755697842552882,7.4692465345926259E-2,7.9134226941984756E-2,6.9287293091411128E-2,6.4271834310825796E-2,4.136797206647682E-2,5.2215801863230368E-2,4.4558100959146446E-2,3.6429636842925418E-2,6.4915900632188925E-2,0.10210829231341294,1.2E-2,1.52E-2,null,null,7.4692465345926259E-2,4.136797206647682E-2,6.4915900632188925E-2,1.2622063457632431E-2,"–"]
["NPL Coverage Ratio",0.7608006599995627,0.90932795807983724,-14.852729808027455,-0.16333743701657322,null,0.7608006599995627,0.73653141763337693,2.4269242366185773,3.2950722515229236E-2,null,null,0.7608006599995627,0.73653141763337693,0.65672148658363649,0.65341860717623745,0.90932795807983724,0.90236418948287889,0.93120007349454192,0.88888447751209942,0.90295935517021497,0.76616446500796576,0.76807374013251573,0.89004821918668386,1.0782754435084436,0.88030339928050849,0.877,0.88700000000000001,null,null,0.90932795807983724,0.90295935517021497,1.0782754435084436,0.88901889367908937,"–"]
["Cost/income ratio ",0.6651449269767068,0.6733097054708741,-0.81647784941673018,-1.2126334178500064E-2,null,0.60839093442371506,0.61091460590079638,-0.2523671477081324,-4.1309725658958962E-3,null,null,0.60839093442371506,0.61091460590079638,0.68428550472351557,0.77086382702866296,0.64059213124197567,0.73167127862188619,0.57382676446008263,0.7990700137299479,0.79331757789292179,0.73570373122310229,0.80644409232993752,0.57012085950246283,0.37913468282908575,0.76135066628013548,0.5297606891624963,0.38931402034047918,null,null,0.6733097054708741,0.71929601575765156,0.48049918959000437,0.46853712962628025]
["Provisioning ratio (avg. loans and advances to customers)",-3.5097877007835747E-4,4.7203406389363343E-3,-0.50713194090146918,"-",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,4.7203406389363343E-3,3.7767409656651119E-3]
["Average equity ",655.28310955746576,662.07115287231386,-6.7880433148480961,-1.0252739883619744E-2,null,655.28310955746576,554.48951046528225,100.79359909218351,0.18177728737844978,null,null,655.28310955746576,554.48951046528225,542.89870487278131,883.73676082864438,662.07115287231386,652.26429639338585,651.48056881216849,1136.7314024746588,1051.1512003479227,1133.875677083545,2043.2535504584207,1660.1754558410632,1918.9228626664985,1881.3999889324555,1402.7750000000001,1456.1142177434276,null,null,662.07115287231386,1051.1512003479227,1363.4545615592294,1613.915,1682.77]
["Return on equity before tax",0.16864500877892488,0.18923323191844679,-2.0588223139521911,-0.1087981372552721,null,0.17814866016376948,0.27643307214057911,-9.8284411976809629,-0.35554505550199655,null,null,0.17814866016376948,0.27643307214057911,0.15885812517115072,7.87415776647689E-2,0.10585601118672555,0.20778079048008716,0.21754944841804832,8.9408797549485969E-2,7.4162858509965054E-2,0.14157442325955294,0.16601759424024123,0.44656754947410565,0.3747268181451554,"–",0.13912960742914232,0.38900000000000001,null,null,0.18923323191844679,0.24582464423241104,0.19530730871916338,0.1543708623763167,0.16573269086706041]
["Business outlets",5,4,1,0.25,null,5,5,"–","–",null,null,5,5,4,4,4,4,4,3,3,3,3,4,4,4,4,4,null,null,4,3,4,4,3]
["indicative loans and advances to customers",4815.3827592919997,2670.3898857300001,2144.9928735619997,0.80325082304437601,null,4815.3827592919997,3302.1662508600002,1513.2165084319995,0.45824964386269307,null,null,4815.3827592919997,3302.1662508600002,3347.3905044100002,2621.5190230100002,2670.3898857300001,2423.12150393,2859.25371249,3263.6483499999999,5115.0628960000004,4282.5441920000003,5116.0727699999998,5245.9073589999998,3770.1983329999998,1837.8556309999999,2770,2441.290105,null,null,2670.3898857300001,5115.0628960000004,3770.1983329999998]
["indicative deposits from customers",2343.0111778400001,2131.1239887900001,211.88718904999996,9.9425087495873088E-2,null,2343.0111778400001,721.96321375999992,1621.0479640800002,2.2453331875976721,null,null,2343.0111778400001,721.96321375999992,818.59973209000009,1384.5912999899999,2131.1239887900001,2320.1953072600004,1386.4941909000001,1816.8740909999999,2103.1732780000002,4886.9630109999998,5279.3444749999999,5633.0122419999998,5725.5544749999999,3687.349643,3985,4561.3551429999998,null,null,2131.1239887900001,2103.1732780000002,5725.5544749999999]
[null,null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12"]
["Corporate Center"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n20131","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014*","Q3\n2014*","Q2\n2014*","Q1\n2014*","Q4\n2013*","Q3\n2013*","Q2\n2013**","Q1\n2013*","Q4\n2012*","Q3\n2012*","Q2\n2012*","Q1 \n2012*","Q4 \n2011*","Q3 \n2011*","Q2\n2011*","Q1 \n2011*",null,null,"1/1-31/12\n20131","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12/2009\ncombined figures"]
["Net interest income",1052.5107570600001,664.85652278600003,387.65423427400003,0.58306449735889232,null,108.58294214500006,217.59325399799991,-109.01031185299985,-0.50098203804609609,null,null,108.58294214500006,217.59325399799991,598.19320091100008,128.14136000600001,13.693722423000029,110.93708898900007,552.47702420899998,-12.251312835,23.002053821999986,16.034953956999992,368.24993616499995,93.532464650000009,13.831234932999999,31.237444571000001,258.11719831699997,59.750040581,null,null,664.85652278600003,500.81940859399998,362.93591840199997,290.87299999999999,363.89699999999999]
["Net fee and commission income ",-8.9454933089999997,-39.936744163999997,30.991250854999997,-0.77600844795295809,null,-2.3220587359999989,1.600755283999999,-3.9228140199999979,"–",null,null,-2.3220587359999989,1.600755283999999,-3.7461279939999992,-4.4780618629999998,-22.547996709999996,-8.7110342980000013,2.3877566599999991,-11.065469815999998,-11.587158777000001,-11.514565455,-11.845643132999999,-6.6597614809999994,-23.751254535000001,-19.907043560000002,-8.8967726839999983,-12.185319676000001,null,null,-39.936744163999997,-41.607128846000002,-64.740390454999996,-17.376000000000001,-15.903]
["Net trading income",-54.491957020000001,9.5851068490000007,-64.077063869,"–",null,-23.434880493999998,-1.0042193159999968,-22.430661178000001,">500,0%",null,null,-23.434880493999998,-1.0042193159999968,-3.6368341000000051,-26.416023109999998,11.290473781999999,6.2147767150000002,1.021017198999999,-8.941160846999999,-21.568896333000001,-7.0612145019999994,-0.7121170920000004,-6.8523996970000001,-11.536083341999998,34.082849340000003,40.939066177000001,-25.837738960000003,null,null,9.5851068490000007,-36.194627623999999,37.648093215000003,20.231000000000002,122.41]
["Sundry net operating income",135.75363458499996,139.442862846,-3.6892282610000393,-2.64569170892196E-2,null,40.651943281999962,33.050370892999993,7.6015723889999691,0.22999960919076901,null,null,40.651943281999962,33.050370892999993,32.452754522999996,29.598565887000003,45.61326859399999,26.547051099000019,56.251874542999992,11.030668609999999,37.672747554999994,33.015040525999986,35.347731088000018,40.316620834999995,16.004506735999996,25.654155137,49.350680991000004,10.833330999999999,null,null,139.442862846,146.35214000399998,101.84267386399999,132.77199999999999,134.79900000000001]
["Operating income",1124.8269413159999,773.94774831699999,350.87919299899988,0.45336289660640472,null,123.47794619699992,251.24016085899996,-127.76221466200003,-0.50852624128712542,null,null,123.47794619699992,251.24016085899996,623.26299333999998,126.84584092000001,48.049468089000086,134.98788250499999,612.13767261099986,-21.227274888,27.51874626699998,30.474214525999965,391.03990702799996,120.336924307,-5.4515962079999731,71.067405487999963,339.51017280100001,32.560312945,null,null,773.94774831699999,569.36979212799997,437.68629502599998,426.49900000000002,605.20299999999997]
["General administrative expenses",-271.010989618,-329.096257116,58.085267498000007,-0.1764993257809252,null,-44.998208384000066,-72.683553611999926,27.685345227999861,-0.3809024717722258,null,null,-44.998208384000066,-72.683553611999926,-73.829116853000031,-79.500110768999988,-87.099798101999994,-86.991211905999975,-83.284857848000016,-71.72038925999999,-94.986759778000007,-81.306583870999987,-71.664404710000014,-80.316431979000001,-113.11284681299998,-69.022845869999983,-66.799397252000006,-68.758345787999986,null,null,-329.096257116,-328.27418033800001,-317.69343572299999,-306.82600000000002,-265.404]
["Operating result",853.81595169799994,444.85149120099999,408.96446049699995,0.91932806472759476,null,78.4797378129999,178.55660724699996,-100.07686943400006,-0.56047698809354207,null,null,78.4797378129999,178.55660724699996,549.43387648700002,47.345730151000026,-39.050330012999879,47.996670598999948,528.85281476299986,-92.947664148000001,-67.468013511000024,-50.832369344999954,319.37550231799997,40.020492328000003,-118.56444302099999,2.0445596179999992,272.710775549,-36.198032843,null,null,444.85149120099999,241.09561178999999,119.99285930299999,119.673,339.79899999999998]
["Net provisioning for impairment losses",-9.7125467400000005,5.6255340900000004,-15.338080830000001,"–",null,-5.822438159999999,1.9223765099999994,-7.7448146699999985,"–",null,null,-5.822438159999999,1.9223765099999994,2.5417781499999998,-8.3542632399999999,11.018106090000002,-6.0497933100000001,-0.19058370999999999,0.84780502000000002,-3.7996837000000001,0.20027960000000031,1.3074413999999999,1.6725719999999999,-4.6353076999999976,59.9323956,-0.16616860000000003,2.5673999999999999E-2,null,null,5.6255340900000004,-0.61939069999999996,55.156593299999997,0,0.52100000000000002]
["Other results",-336.65441074799998,-388.54512514700002,51.890714399000046,-0.13355132014426385,null,-319.41255778999994,83.550814146999983,-402.96337193699992,"–",null,null,-319.41255778999994,83.550814146999983,-41.333282594000003,-59.459384511000025,-67.065073680999973,-72.18768198000005,-135.29820984799997,-113.994159638,-483.96525162800009,-124.17606652699999,-118.054599411,86.238914800000003,-265.53518001600003,60.797995639999996,13.265062199000008,-48.339861907,null,null,-388.54512514700002,-639.95700276600007,-239.81198408400002,-10.601000000000001,-320.39499999999998]
["Profit/loss before tax",507.44899420999997,61.931900143999997,445.51709406599997,">500,0%",null,-246.75525813700003,264.02979790399996,-510.78505604099996,"–",null,null,-246.75525813700003,264.02979790399996,510.64237204300002,-20.467917599999993,-95.097297603999934,-30.240804691000086,393.36402120499997,-206.094018766,-555.23294883900007,-174.80815627199991,202.62834430699996,127.93197912800001,-388.73493073699996,122.774950858,285.80966914799995,-84.512220749999983,null,null,61.931900143999997,-399.48078167599999,-64.662531480999988,109.07299999999999,19.925000000000001]
["Income taxes  ",-172.75193447999999,108.18030632999999,-280.93224081,"–",null,-158.852939693,-35.757430710000001,-123.095508983,3.442515486678265,null,null,-158.852939693,-35.757430710000001,4.6931029230000014,17.165333,63.231057018999991,9.4425257340000019,8.1487417999999998,27.357981776999996,0.66958201100002046,60.497103607999989,10.014487940999999,60.766387971,1.4249456639999953,-2.3659450519999954,3.5441840349999985,21.750261251000001,null,null,108.18030632999999,131.94756153100002,24.353445897999997,183.05099999999999,-89.655000000000001]
["Profit/loss after tax",334.69705973000003,170.112206474,164.58485325600003,0.96750760376008182,null,-405.60819782999994,228.27236719399997,-633.88056502399991,"–",null,null,-405.60819782999994,228.27236719399997,515.33547496599999,-3.3025845999999888,-31.866240584999993,-20.798278956999972,401.51276300499995,-178.73603698900001,-554.56336682800008,-114.31105266399996,212.64283224799996,188.69836709900002,-387.30998507299995,120.40900580599997,289.35385318300001,-62.761959498999978,null,null,170.112206474,-267.53322014500003,-40.309085582999984,292.12299999999999,-69.73]
["Profit attributable to non-controlling interests",-2.0558524217878005,-11.307369758999998,9.2515173372121975,-0.81818473565424321,null,-8.8403482994560001,8.7071281898681985,-17.547476489324197,"–",null,null,-8.8403482994560001,8.7071281898681985,-0.22669026140000037,-1.6959420507999998,-1.3327088342999995,-7.2038260049965723,-2.3741819216034301,-0.39665299809999766,0.50827108469999982,0,-0.32964490899999999,-0.28668027349999997,1.0727763937985635,2.257666448043099,-2.6520674639741557,-0.69569016686751184,null,null,-11.307369758999998,-0.10805409780000011,-1.7314789000004532E-2,-2.9000000000000001E-2,-0.15]
["Consolidated profit/loss",332.64120730821224,158.80483671500002,173.83637059321222,1.0946541313800702,null,-414.44854612945574,236.97949538386797,-651.42804151332371,"–",null,null,-414.44854612945574,236.97949538386797,515.1087847046,-4.9985266507999881,-33.198949419299986,-28.002104961997013,399.13858108339701,-179.13268998709998,-554.05509574330006,-114.31105266399996,212.31318733899997,188.41168682550003,-386.23720867920144,122.66667225404308,286.70178571902585,-63.457649665867486,null,null,158.80483671500002,-267.64127424280002,-40.326400371999988,292.09500000000003,-69.88]
[]
["Risk-weighted assets (credit risk)",16593.452761551391,15630.927812382412,962.52494916897922,6.157823519640937E-2,null,16593.452761551391,18181.872436934776,-1588.4196753833858,-8.7362821452682704E-2,null,null,16593.452761551391,18181.872436934776,17579.341779335948,18752.334583562493,15630.927812382412,16128.717178884559,16001.37822319268,16709.546590840182,18957.029399355302,18782.835982268505,19098.6023752,17215.063339926564,19595.510289000002,17687.119475098443,15876.491892999999,17724.096499000003,null,null,15630.927812382412,18957.029399355302,19595.510289000002,16128.878000000001,21244.620999999999]
["Risk-weighted assets (total RWA)",18737.631124051393,16670.487674882414,2067.1434491689797,0.12400017860806578,null,18737.631124051393,20204.678086934779,-1467.0469628833853,-7.2609271801862607E-2,null,null,18737.631124051393,20204.678086934779,19610.846629335945,19207.434608562489,16670.487674882414,17217.011103884561,16146.01514819268,16497.097890840185,19565.089736855305,19369.465744768506,19741.750387699998,17611.090877426566,21037.374176499998,18873.987725098439,16939.822705499999,18146.706149000001,null,null,16670.487674882414,19565.089736855305,21037.374176499998,17079.45,22009.7]
["Total capital requirement",1499.0104899241114,1333.639013990593,165.37147593351847,0.124000178608066,null,1499.0104899241114,1616.3742469547824,-117.36375703067097,-7.2609271801862718E-2,null,null,1499.0104899241114,1616.3742469547824,1568.8677303468758,1536.5947686849991,1333.639013990593,1377.3608883107647,1291.6812118554144,1319.7678312672147,1565.2071789484244,1549.5572595814804,1579.3400310159998,1408.8872701941252,1682.9899341199998,1509.9190180078751,1355.1858164399998,1451.7364919200002,null,null,1333.639013990593,1565.2071789484244,1682.9899341199998,1366.356,1760.7760000000001]
["Total assets",31094.990613505015,34716.288999147015,-3621.2983856419996,-0.10431121787616693,null,31094.990613505015,35598.664552520007,-4503.6739390149924,-0.12651244072289725,null,null,31094.990613505015,35598.664552520007,32702.937560633,34172.378182623019,34716.288999147015,34495.809105018998,34119.682883567002,43580.083160453993,47341.359561035992,59017.752563390008,61486.606476293993,52161.259503565016,53835.243186775995,52695.368675234997,45955.663506097,41808.520057909001,null,null,34716.288999147015,47341.359561035992,53835.243186776002,32878.589999999997,30176.539000000001]
["Liabilities",22450.159669486991,29687.473156913991,-7237.3134874269999,-0.24378341158151018,null,22450.159669486991,29067.133268017991,-6616.9735985309999,-0.22764451992971491,null,null,22450.159669486991,29067.133268017991,27584.104636193995,24132.257169113,29687.473156913991,25181.862022136011,26208.975395193,31791.633274015003,31161.089964273,40114.169851251041,41992.538621566011,43818.97215635101,43818.97215635101,52526.972757236028,53396.606339645994,47768.275466998995,null,null,29687.473156913991,31161.089964273,43818.97215635101,40820.712,32738.239000000001]
["Net interest margin (avg. interest bearing assets)","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,"–","–"]
["NPL Ratio","–","–","–","–",null,"–",0.12485291075067084,"–","–",null,null,"–",0.12485291075067084,"–",0.11551756841935412,"–","–","–","–","–","–","–","–",0,"–","–","–",null,null,"–","–","–","–","–"]
["NPL Coverage Ratio","–","–","–","–",null,"–",0.30095783491541883,"–","–",null,null,"–",0.30095783491541883,"–",0.45863009161902385,"–","–","–","–","–",0,"–","–",0,"–","–","–",null,null,"–","–","–","–","–"]
["Cost/income ratio ",0.240935720565982,0.50203017709130471,-26.109445652532269,-0.52007721535400298,null,0.36442303884945315,0.2892991047430159,7.5123934106437247,0.25967565358755529,null,null,0.36442303884945315,0.2892991047430159,0.11845580058805937,0.62674590031800614,1.8127109740459235,0.64443719163294388,0.14201313412420066,">500,0%",3.4517110211487556,2.668045268291686,0.18326621764685661,0.66742965587269865,"–",0.97123069846210719,0.19675227019236832,2.1117225102886676,null,null,0.50203017709130471,0.57655707218165997,0.72584734622345881,0.71940549097852802]
["Provisioning ratio (avg. loans and advances to customers)","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–",null,null,null,null,null,null,null,null,"–",1.3787275161096166E-4]
["Average equity ",2662.8517516448824,2286.7519814911825,376.09977015369986,0.16446898185628633,null,2662.8517516448824,2733.5212160932929,-70.669464448410508,-2.5852905048752595E-2,null,null,2662.8517516448824,2733.5212160932929,2826.9169459147711,2749.8703791684457,2286.7519814911825,2300.7183855965768,2284.5143515499099,2481.5677147900378,2402.9464811088587,2351.0706069848106,2042.5687054880464,2324.4735074743171,1917.5044695638733,1881.3999889324555,1877,1932.3930636050679,null,null,2286.7519814911825,2402.9464811088587,1917.5044695638733,2043.1759999999999,2048.328]
["Return on equity before tax",0.19056599523294579,2.7082910890762354E-2,16.348308434218346,">500,0%",null,"–",0.37986905378499863,"–","–",null,null,"–",0.37986905378499863,0.73252550943979955,"–","–","–",0.64701963556580688,"–","–","–",0.37119557709894069,0.22014788074226052,"–",0.2613454741261832,"–","–",null,null,2.7082910890762354E-2,"–","–",5.3383813977086941E-2,9.7274909155867471E-3]
["Business outlets",1,1,"–",0,null,1,1,"–",0,null,null,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,null,null,1,1,1,1,1]
["1 Segment Corporate Center: As of fourth quarter 2014, disclosure of investments in cash generating units was changed. On the one hand, goodwill and impairment of goodwill is assigned to the segment in which the investment is recognized, on the other, changes in carrying amount of investments in subsidiaries are eliminated in order to represent the Group-relevant effects in the respective segment. Till that time they were shown under reconciliation. The previous year figures were adapted accordingly.",null,null,null,null,null,null,null,null,null,null,null,"*NPL-ratio and coverage-ratio reporting values as at 1-3, 1-6, 1-9, 1-12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 Segment Corporate Center: As of fourth quarter 2014, disclosure of investments in cash generating units was changed. On the one hand, goodwill and impairment of goodwill is assigned to the segment in which the investment is recognized, on the other, changes in carrying amount of investments in subsidiaries are eliminated in order to represent the Group-relevant effects in the respective segment. Till that time they were shown under reconciliation. The previous year figures were adapted accordingly."]
[null,null,null,null,null,null,null,null,null,null,null,null,"** Allocation of dividend payments and total assets in the Corporate Center was adapted for Q2 according to the new holding structure. This had no impact on group's consolidated profit."]

{"sheet":"Asset Quality","index":8,"n_rows":127,"n_cols":10,"rows_kept":127,"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],[18,0,18,3]]}
["Asset quality"]
[]
[]
["Corporate customers"]
[]
["Internal Rating\n€ million",null,"31/12/\n2014","Share","31/12/\n2013","Share"]
[1,"Minimal risk",4196.7711369988801,5.607477238832529E-2,3558.0514848288699,4.531513902897813E-2]
[2,"Excellent credit standing",10171.799872031901,0.13590957047318672,9768.6966025499896,0.1244135579723771]
[3,"Very good credit standing",9004.4022259430094,0.1203114939628929,9864.1445397748703,0.12562917741009941]
[4,"Good credit standing",10044.499859179599,0.13420866303441978,10501.659298832999,0.13374852870755094]
[5,"Sound credit standing ",13793.752637149599,0.1843039599395796,13285.147170161899,0.16919887011282997]
[6,"Acceptable credit standing",11287.5054935029,0.15081696874058428,12916.107298913099,0.16449879954213112]
[7,"Marginal credit standing",5949.7400993538704,7.9496906300099063E-2,7303.9782599675109,9.3023046947557184E-2]
[8,"Weak credit standing / sub-standard",2693.7926623221897,3.5992863434787276E-2,3177.2216603064599,4.0464912291619838E-2]
[9,"Very weak credit standing / doubtful",1566.01330175882,2.0924143010574426E-2,1973.1519796157997,2.5129950104107016E-2]
["10","Default",5920.9009446428399,7.9111574581141153E-2,5445.77859571504,6.9357122919127573E-2]
["NR","Not rated",213.23232449999699,2.8490841344094102E-3,724.00570140113905,9.2208949636217574E-3]
["Total",null,74842.410557383613,0.99999999999999989,78517.942592067673,0.99999999999999989]
[]
[]
["Financial institutions"]
[]
["Internal Rating\n€ million",null,"31/12/\n2014","Share","31/12/\n2013","Share"]
["A1","Excellent credit standing",0,0,244.61217707086303,8.937392872587907E-3]
["A2","Very good credit standing",1487.1472241789802,6.9447398319872775E-2,974.38050390155399,3.5600931544121667E-2]
["A3","Good credit standing",7927.5994755941902,0.37020622407169601,13368.0905279491,0.48842980114596091]
["B1","Sound credit standing",6364.4191579753297,0.29720820181912783,8039.9075227120402,0.29375402749854185]
["B2","Average credit standing",2747.6674543054901,0.12831167825704051,1769.1269849302198,6.4638576440279982E-2]
["B3","Mediocre credit standing",1260.7347486485401,5.8874297609261127E-2,1732.7030940794302,6.3307757073967477E-2]
["B4","Weak credit standing ",521.32401123887803,2.4344998042952957E-2,517.99457299618291,1.8925962967878539E-2]
["B5","Very weak credit standing ",339.01312758050898,1.5831371180985345E-2,303.924059711307,1.1104470585227327E-2]
["C","Doubtful/high default risk",123.65324203887801,5.7744087564420548E-3,187.03827620613802,6.8338157841651582E-3]
["D","Default",194.061220948298,9.0623488317221976E-3,213.49841937370999,7.8005897926602657E-3]
["NR","Not rated",448.38950352505697,2.093907311089931E-2,18.2465572372463,6.6667429460876677E-4]
["Total",null,21414.009166034146,1,27369.522696167798,1]
[]
[]
["Sovereigns"]
[]
["Internal Rating\n€ million",null,"31/12/\n2014","Share","31/12/\n2013","Share"]
["A1","Excellent credit standing",3650.55202544137,0.16781009872818686,1659.5870198508401,8.6059131360228691E-2]
["A2","Very good credit standing",1405.7597440726199,6.4620550480283992E-2,1350.0189446180598,7.0006246315499052E-2]
["A3","Good credit standing",3629.2431266258704,0.16683056237612362,3143.9190304129597,0.16303028258713986]
["B1","Sound credit standing",2985.6613399785301,0.13724612626775304,2844.4661946018036,0.14750193087974853]
["B2","Average credit standing",3276.2231911942504,0.15060279468374677,1076.2568714458071,5.5810108399997081E-2]
["B3","Mediocre credit standing",1700.3020128855201,7.8160192393246716E-2,4061.0049751945053,0.21058646303838727]
["B4","Weak credit standing ",3951.7535749676899,0.18165585723562341,3682.9073830544457,0.19097992842479886]
["B5","Very weak credit standing ",879.99582351583103,4.0452015200832372E-2,1402.6283343628384,7.2734345733409839E-2]
["C","Doubtful/high default risk",272.24846644076297,1.2514831103248894E-2,5.0882976114777003,2.6385749424905378E-4]
["D","Default",0.229250369481,1.0538276640894784E-5,36.898952542655294,1.9134228973474512E-3]
["NR","Not rated",2.0978154146923997,9.6433254313224359E-5,21.488125163804799,1.1142828691942403E-3]
["Total",null,21754.066370906621,1,19284.264128859199,1]
[]
[]
[]
["Retail customers"]
[]
["31/12/2014\n€ million",null,"Total","Share","CE","SEE","Russia","CEE Other","Group Markets","Corporate Center"]
["Retail – private individuals",null,25273.277413497293,0.88305009412486168,13877.776002352386,7051.2715807063105,3083.6255051601706,1248.3503456084252,12.253979670000001,0]
["Retail – SME",null,3347.1571254335145,0.11694990587513827,1838.8446118632266,934.31344840615895,408.58910997026055,165.40995519386834,0,0]
["Total",null,28620.434538930807,1,15716.620614215612,7985.5850291124698,3492.214615130431,1413.7603008022934,12.253979670000001,0]
[]
["31/12/2013\n€ million",null,"Total","Share","CE","SEE","Russia","CEE Other","Group Markets","Corporate Center"]
["Retail – private individuals",null,26194.328744888124,0.89089318031994924,13460.771488015082,6672.2992568730415,4633.3029999999999,1413.6479999999999,14.307,0]
["Retail – SME",null,3207.9939168263531,0.10910681968005081,2084.9155152168059,739.61740160954685,93.215999999999994,290.245,0,0]
["Total",null,29402.322661714476,1,15545.687003231888,7411.916658482588,4726.5190000000002,1703.893,14.307,0]
[]
[]
[]
["Concentration risk"]
[]
["31/12/2014\n€ million",null,"31/12/\n2014","Share","31/12/\n2013","Share"]
["Austria",null,23612.819194306732,0.15210570121806885,27976.393832384409,0.1712953016840349]
["Central Europe",null,47963.978062548777,0.30896753396439375,46349.852168277233,0.28379325647700138]
["Poland",null,14590.232421804332,9.3985284653695003E-2,14181.170829905852,8.6829201436592812E-2]
["Slovakia",null,11916.153360069515,7.6759782376703042E-2,11706.326515490671,7.1676097501944785E-2]
["Czech Republic",null,11593.063587981836,7.4678548622470448E-2,10700.350393512166,6.5516655211645972E-2]
["Hungary",null,8440.1219494699981,5.4368377487076271E-2,8033.6286372217364,4.9188714216535374E-2]
["Other",null,1424.4067432230934,9.1755408244490015E-3,1728.375792146802,1.0582588110282405E-2]
["Other European Union",null,23101.485497915346,0.14881186451834977,20890.04053975589,0.12790661362176795]
["Germany",null,5961.8864065597145,3.8404432142981254E-2,5546.1802787382912,3.3958437593225345E-2]
["Great Britain",null,6040.2212829417385,3.8909038611352101E-2,4293.5421448349889,2.6288720461937556E-2]
["France",null,3812.0170434580591,2.4555709366131936E-2,5106.3382917158197,3.1265350474430728E-2]
["Netherlands",null,1974.0294642038662,1.2716022318514748E-2,1599.8472765672884,9.7956271108376267E-3]
["Other",null,5313.3313007519655,3.4226662079369717E-2,4344.1325478995013,2.6598477981336691E-2]
["Southeastern Europe",null,24144.8539113761,0.1555328868093474,24561.83879157441,0.15038848862812074]
["Romania",null,8914.8117890260401,5.7426167000163009E-2,8597.162781339508,5.2639150030538234E-2]
["Croatia",null,5175.3310895763088,3.3337711941040793E-2,5351.2886695362758,3.2765145234175758E-2]
["Bulgaria",null,3691.5094678027926,2.3779440800049269E-2,3913.9644121853717,2.3964622416409846E-2]
["Serbia",null,1805.0592236224479,1.1627573848337191E-2,2217.096040364218,1.3574949558261194E-2]
["Other",null,4558.1423413485099,2.9361993219757136E-2,4482.3268881490376,2.7444621388735706E-2]
["Russia",null,16803.445015189667,0.10824204284471628,20439.620950203196,0.12514876141468625]
["Asia",null,6999.9048737257099,4.5090991910637333E-2,9032.7241771255012,5.5306027725358066E-2]
["China",null,3206.7345431716753,2.0656686619907525E-2,4208.1907153385309,2.5766126343755125E-2]
["Singapore",null,1336.7240180217891,8.6107187127093185E-3,1516.1649735629137,9.2832528061066056E-3]
["Other",null,2456.446312532245,1.5823586578020493E-2,3308.3684882240555,2.0256648575496333E-2]
["CEE Other",null,6142.8279982901377,3.9569995960803794E-2,7508.6010432295061,4.597404828624535E-2]
["Ukraine",null,4007.3166477383675,2.5813762587656205E-2,5544.8495509062177,3.3950289744477571E-2]
["Other",null,2135.4164879979439,1.3755622301036705E-2,1963.7514923232886,1.2023758541767781E-2]
["North America",null,2899.0649623236882,1.8674784461031213E-2,4134.3084175349759,2.5313756014426977E-2]
["Rest of World",null,3571.1611801312565,2.3004198312651301E-2,2429.2188747647551,1.4873746148358229E-2]
["Total",null,155239.54069580746,1,163322.59879484991,0.99999999999999978]
[]
[]
[]
["Exposure by industry"]
[]
["31/12/2014\n€ million",null,"31/12/\n2014","Share","31/12/\n2013","Share"]
["Banking and insurance",null,40401.797853868367,0.26025455675004788,42712.672691448308,0.26152334708499136]
["Private households",null,26628.106156194808,0.17152914803047964,27272.431362806379,0.16698504410319476]
["Wholesale trade and commission trade (except car trading)",null,14662.081576354494,9.4448112321363506E-2,16086.634937689863,9.8496074985289381E-2]
["Other manufacturing",null,11829.2888220613,7.6200230746887157E-2,12323.902307832748,7.5457422296548504E-2]
["Public administration and defence and social insurance institutions",null,12719.615944408404,8.1935413409477631E-2,10991.09389423018,6.7296834457282517E-2]
["Real estate activities",null,9424.3464835901177,6.0708415145708086E-2,9992.1474453095416,6.1180433810392142E-2]
["Construction",null,5508.026307527407,3.5480820690653878E-2,6550.9822272535675,4.0110690593910286E-2]
["Other business activities",null,4521.5047643091775,2.9125986485421827E-2,5414.0232689475679,3.3149259862979182E-2]
["Retail trade except repair of motor vehicles",null,3839.0751566188032,2.4730008472142351E-2,4093.9060211626424,2.5066378145898929E-2]
["Electricity, gas, steam and hot water supply",null,3158.5253629045701,2.0346139577246725E-2,4163.444166789126,2.5492149877059233E-2]
["Manufacture of basic metals",null,2678.4608134249929,1.7253728021995696E-2,2542.9248633762195,1.5569951018048624E-2]
["Manufacture of food products and beverages",null,2314.2936018728183,1.4907887458954079E-2,2427.6791221135963,1.4864318471707725E-2]
["Land transport, transport via pipelines",null,1975.534795925254,1.2725719150356958E-2,2082.848147080213,1.275296965912529E-2]
["Other transport",null,2053.1024733939012,1.3225383585854364E-2,1937.5116603205595,1.1863095950085117E-2]
["Manufacture of machinery and equipment",null,1199.4752130467316,7.7266088760022111E-3,1479.5727071959072,9.0592037973532633E-3]
["Extraction of crude petroleum and natural gas",null,1252.7695038660452,8.0699124607747537E-3,1218.2764782443478,7.4593258203944548E-3]
["Sale of motor vehicles",null,1104.884786645594,7.1172897168680829E-3,1175.3185415482801,7.1963007582594388E-3]
["Other industries",null,9968.6510797945848,6.4214639099765214E-2,10857.228951500774,6.6477199307479695E-2]
["Total",null,155239.54069580737,1,163322.59879484988,1]

{"sheet":"NPL","index":9,"n_rows":35,"n_cols":22,"rows_kept":35,"cut":false,"hidden":false,"merged":[[8,1,9,1]]}
["Non-performing loans development "]
[]
["€ million","31/12/2006","31/12/2007","31/12/2008","31/12/2009","31/12/2010","31/3/\n2011","30/6/\n2011","30/9/\n2011","31/12/\n2011","31/3/\n2012","30/6/\n2012","30/9/\n2012","31/12/2012","31/3/2013","30/6/2013","30/9/2013","31/12/2013","31/3/2014","30/6/2014","30/9/2014","31/12/2014"]
[null,"RI Group","RI Group","RI Group","RI Group"]
["NPL as of reporting date"]
[]
["Central Europe",371,571.29488000000003,820.25393399999996,1736.82888,2285.2873560000003,2232.3626140000001,2301.0551499999997,2362.50018,2477.7060699999997,2585.4942119999996,3326.1590179999998,3376.4851140000001,3447.0160139999994,3350.9577009999998,3439.9830729999999,3514.277783,3508.7804510000001,3454.6295579999992,3432.3652910000001,3340.5546220000001,2998.9074188381187]
["Southeastern Europe",178,218.78154999999998,382.54447399999998,986.75831100000005,1329.1778590000001,1377.0058160000001,1519.6663859999999,1563.5265359999999,1725.8313529999998,1817.0805459999999,1819.134945,1855.1464449999999,1807.4708529999998,1894.3431830000002,1935.426792,1951.3678689999997,1943.234017,1928.8033189999999,1996.2197940000001,1953.9794689999999,1768.9465920757968]
["Russia",188,98.492999999999995,177.7843161788872,647.61337049673261,668.41578856589899,657.7916436064653,598.68070399999999,544.13554099999999,524.11234999999999,566.45984599999997,543.22710099999995,528.27909299999999,488.193783,481.297686,442.73740100000003,443.04935799999998,480.51405099999999,509.24538000000001,563.87024300000007,599.77316100000007,495.72605780512481]
["CEE Other",null,160.11678999999998,399.84855800000003,1071.161998,1427.6179910000001,1340.311819,1324.742475,1428.4106149999998,1505.7226939999998,1466.072408,1554.9371840000001,1492.0825780000002,1306.739536,1339.935925,1283.7047119999997,1186.2355500000001,1107.804783,991.93868300000008,1044.2260409999999,1162.3338140000001,1267.4709602617838]
["Group corporates",null,null,null,null,872.86563248999994,814.30305199999987,836.16652600000009,734.83851800000014,652.873468,712.21767,817.82408799999996,859.40639800000008,921.93057499999998,920.29551399999991,803.94214599999998,1168.776437,1373.4262250000002,1218.713665,1266.6527979999998,1817.2938829999998,2002.7464025160125]
["Group markets",null,null,null,null,206.38207050999998,206.828914,177.906747,187.66029999999998,169.30275199999997,191.10650000000001,227.96248699999998,223.616479,211.59977900000001,209.76066599999999,198.10994999999997,191.751847,199.45800400000002,281.96266499999996,283.28335499999997,265.98521600000004,266.53909398569203]
["Total",737,1048.68622,1780.4312821788872,4442.3625594967325,6789.746697565899,6628.6038586064651,6758.2179880000012,6821.0716899999998,7055.5486869999995,7338.4311819999994,8289.2448229999991,8340.3492040000001,8182.9504910000005,8229.8796689999981,8137.1138729999993,8477.5184879999997,8657.4365799999996,8429.4262359999993,8642.5044990000006,9203.683418999999,8838.2434973898289]
[]
["NPL/Loans and advances to customers"]
[]
["Central Europe",2.2864782285008926E-2,2.6407229488390332E-2,3.1213084267978936E-2,7.0052814049811979E-2,9.0625011068636588E-2,8.5327958660560713E-2,8.7175585145041659E-2,9.1068304765879737E-2,9.7620944663874817E-2,0.10001210794286419,0.10981445038932121,0.11147283084985915,0.11515540184561396,0.1137022407614682,0.11741388401962395,0.1199832839252197,0.12248273925705526,0.11909781602284018,0.11737982608354169,0.11456288989679711,0.10280899489914319]
["Southeastern Europe",1.7875693889232321E-2,1.5844961722519191E-2,2.2599428110112112E-2,6.4837838622019292E-2,8.9984954164714123E-2,9.0530308224971254E-2,0.10046981083378838,0.10328770422225896,0.11264406676722158,0.11988989751138328,0.1230011483876879,0.12546911828348842,0.12465360990002897,0.13206650739780407,0.13423771312063706,0.13673617813867375,0.13949246062889556,0.13980605588024803,0.14493151568613022,0.14193836750936389,0.13221259281843464]
["Russia",1.8868446501874192E-2,1.1343456715532991E-2,1.8900983280261775E-2,0.1010091014060512,8.7932977847855212E-2,8.3869280919094916E-2,7.1809966568144298E-2,5.9023270790034249E-2,5.7768818618632999E-2,5.971879010206109E-2,5.7230568681677432E-2,5.7970427416686489E-2,5.0493144138459248E-2,4.7646962104538088E-2,4.4564848013819582E-2,4.3552065401262489E-2,4.8211347256953585E-2,5.3058351320030374E-2,5.4727091140867594E-2,5.5506097172133444E-2,5.9094298881198742E-2]
["CEE Other",null,2.6524731336875499E-2,6.0820415051249924E-2,0.19902573849742949,0.26906243199156149,0.26264372862554086,0.27526906138906759,0.28063416035047434,0.29660470620067297,0.30249536889623174,0.31329994438743713,0.31302093546471804,0.28239486983005591,0.27636601648526382,0.26821549561399632,0.25439930924776338,0.24385138863177916,0.24750824399690941,0.26996692460423949,0.29316027285746005,0.33720202480681782]
["Group corporates",null,null,null,null,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-2,4.4272702470248615E-2,4.0725794775653697E-2,5.4553298382315735E-2,6.7321250645277719E-2,6.0093213680855677E-2,6.1766098599790722E-2,8.6367542106012149E-2,0.10536431827145742]
["Group markets*",null,null,null,null,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-2,1.3208436116946673E-2,1.1872205413998436E-2,1.1788751187045161E-2,1.6660736739327848E-2,2.0793466481243937E-2,2.0676834363146358E-2,1.8747109812212125E-2,2.2424970323239556E-2]
["Total",2.1036549782372623E-2,2.1454385858495614E-2,3.0748885160085861E-2,8.7941504704585491E-2,8.974374069805216E-2,8.6017951976200671E-2,8.5082901021134041E-2,8.3878532343373308E-2,8.6490246233286355E-2,8.8974153009436008E-2,9.7650612533554296E-2,9.9564089531643266E-2,9.8183699896627202E-2,9.9287924132916511E-2,9.9303877440715199E-2,0.10284319284195254,0.10736625018726137,0.10577449862211684,0.10692694584620623,0.11149198924039504,0.11341926659752513]
[]
["Coverage LLP/NPL"]
[]
["Central Europe",0.81899999999999995,0.69954711654338642,0.7243226644494215,0.57521247573911838,0.53327598052618808,0.57591595293397957,0.58701547051186498,0.63347148534439468,0.60730856485733209,0.60752407617611803,0.61865298712065375,0.61763181169914083,0.64029137200724373,0.63839923007550969,0.63854228025906346,0.63719534919872334,0.64341358962872308,0.64761134793544206,0.65470908942366413,0.67399697524029878,0.67969947723385538]
["Southeastern Europe",1.151,1.0228255673296034,0.90728965803855832,0.7574790358162995,0.68203064787885537,0.62968456081524649,0.62482441616564133,0.62901940421432045,0.58582149261486982,0.56911471338156083,0.58095275874764751,0.59798184006977417,0.61975739028694588,0.61518460891571192,0.62133511703035271,0.62183318254483377,0.62905309660447339,0.64110819842175937,0.63580486912404588,0.63656978486962812,0.66530083408339136]
["Russia",null,2.6496908409734701,2.0678415222526692,0.92813893039138939,0.94286491920121085,0.98740619469708335,1.0351350762459182,1.0725837010617176,1.0015914691783165,0.97589961275560566,0.96299671638805096,0.97101587622737895,0.99967306893992125,0.99707874588243928,1.0045650021760868,1.0194522719069148,0.77830552408341547,0.73798389372133333,0.75466311690613541,0.74374453390887885,0.70466408260975777]
["CEE Other",null,1.3676142270901135,0.83137661084174774,0.75354075994768421,0.69552939420122495,0.72401718328128839,0.72908094512557997,0.71581670054027169,0.6822435658873055,0.68994199433088299,0.67767134798224726,0.68500954367888867,0.70188943697728601,0.7088388536369753,0.70446020493613337,0.72694508451209383,0.72200520481323838,0.78196191045812846,0.80395623081286471,0.82594276944093103,0.87040695542495206]
["Group corporates",null,null,null,null,0.65185250263764805,0.67206202914120983,0.68979202355680036,0.75502574567001657,0.78955268557490221,0.52546997324567923,0.63291850606386146,0.61095658726990298,0.60599999999999998,0.66574376456212958,0.65001319137210656,0.54886116770678872,0.46991491543493719,0.54920272907746548,0.51737120881881948,0.49609396973356784,0.53452841537207108]
["Group markets*",null,null,null,null,">100%",0.72485151677160331,0.69325415862402484,0.71441441703960706,0.94394015491492478,0.77728068592735466,0.72171756942590581,0.7329150841376556,0.79781533925379022,0.79717756212344593,0.82985067473639973,0.81057085152278396,0.88305546706745919,0.68629099332426435,0.69627169434086178,0.75626672598588862,0.79663332846580381]
["Total",1.1830000000000001,1.0519506988467915,0.92183377557342638,0.69345642318509793,0.6628896298506306,0.68336090788781678,0.68508431447683571,0.70537750679644329,0.68393956247303833,0.66792875622663317,0.65769849356107035,0.65814345890798265,0.67019572769684488,0.67469680757795303,0.67264268445429443,0.66123005967427395,0.63133716741832613,0.65236982405904276,0.65286829004264535,0.65388084337519303,0.67373258880857456]
[]
["* including exposure to banks"]

{"sheet":"Funding","index":10,"n_rows":30,"n_cols":21,"rows_kept":30,"cut":false,"hidden":false,"merged":[[29,0,29,20]]}
["Funding structure"]
[]
["€ million","31/12/2007","31/12/2008","31/12/2009","31/12/2010","31/3/2011","30/6/2011","30/9/\n2011","31/12/\n2011","31/3/\n2012","30/6/2012","30/9/2012","31/12/2012","31/3/2013","30/6/2013","30/9/2013","31/12/2013","31/3/2014","30/6/2014","30/9/2014","31/12/2014"]
[null,"RI Group","RI Group","RI Group"]
["Customer deposits",40457.265952000002,44205.906000000003,42578.249000000003,57633,60862.943157936999,63625.122049277001,68936.003737597013,66747.234305767008,67748.806802306004,72011.145673427018,70942.022191237003,66297.150535260036,66852.717500662984,66575.248559891988,67495.793968958009,66436.635568236001,63599.307658130994,64385.730379256987,67823.529976967999,66094.171832042979]
["Medium- and long-term refinancing",10847.714260999999,16921.178257,11958.163640000001,26315.806260000001,27152.795411177998,24053.037940424001,24093.197755142999,23902.608953761002,22434.667946903002,22468.767599273004,23241.449737083003,23097.296940733999,21103.429504074003,20805.259239371,20227.182143882997,19495.181044532001,17714.028729397996,17707.812893598002,18045.290177765,17916.111681635997]
["Short-term refinancing",11399.683371000001,12685.368324999999,10678.657319,23898.758097000002,28840.541792943979,26174.111216459001,28674.70432216601,28456.013214549988,30369.056128718999,30330.719546716988,26634.149790716008,20379.253858051001,18945.557090745995,18724.965847822012,20503.231455333003,22142.330379267991,19144.580934261994,21850.289188331011,22823.760095518996,15085.328033386997]
["Subordinated liabilities",1531.7659580000002,1684.4559999999999,2470.2849999999999,4001,4006.5197321350001,4098.5032953270011,4091.4591370289991,4150.7331369490003,3799.2990515910001,3788.3356401999999,3754.2550655810001,3937.0491068669999,3917.3102953390003,3846.6344383220003,3861.3270779929999,4127.5888551620001,4054.0971022740009,4057.8109344619988,3965.6044800129998,4185.10818225]
[]
["Total funding",64236.429542000005,75496.908582000004,67685.354959000004,111848.564357,120862.80009419398,117950.774501487,125795.36495193503,123256.589611027,124351.82992951901,128598.968459617,124571.87678461701,113710.75044091203,110819.01439082199,109952.10808540699,112087.53464616701,112201.73584719798,104512.01442406498,108001.64339564799,112658.184730265,103280.71972931594]
[]
["Equity",6622.1376769999997,6518.2052099999992,7000.182127,10404,10671.764026837029,10483.033480157988,10348,10935.785951264921,8171.6148486722441,10849.995615354077,11115.25452516101,10872.850310094656,11061.142371090004,10428.340874680011,10354.376420777,10363.745779235993,12820.970333651087,10846.076798130998,9819.4987055480015,8301.8353567980012]
["Other liabilities",1884.2372949999999,3381.8708279999996,1589.7917259999997,10920.435643000004,7928.2245840810501,9121.698828151013,12224.37641679302,12792.627254794104,16274.737276880875,13268.309577504471,11420.231106520981,11532.424996110902,10052.051912562922,9925.2918120110044,8592.5762004780463,8074.3313023350092,8077.499793249056,8431.3735971069927,9538.1273934359706,10041.327442198097]
[]
["Balance-Sheet Total",72742.804514000003,85396.984620000003,76275.328811999992,131173,139462.78870511206,137555.506809796,148367.74136872805,146985.00281708603,148798.18205507213,152717.27365247556,147107.36241629897,136116.02574711759,131932.20867447491,130305.74077209801,131034.48726742207,130639.81292876898,125410.48455096512,127279.09379088598,132015.81082924898,121623.88252831202]
[]
[]
["Customer deposits",0.62981809917607012,0.58553266392340186,0.62906147165500603,0.51527706530095541,0.50357052054481355,0.53942097725246285,0.54800114268070743,0.54153075723097521,0.54481551932693828,0.55996674418146797,0.56948666121402947,0.5830332688703016,0.60326035083560281,0.60549315260220971,0.60217038569030668,0.59211771606379404,0.60853585119957843,0.5961550987089097,0.60202931672790916,0.63994685557252473]
["Medium- and long-term refinancing",0.16887168758200341,0.2241307435604635,0.17667283635054565,0.23528067983067533,0.22465800386898671,0.20392437474092859,0.19152691169780964,0.19392560697316735,0.18041284924893086,0.17471965652919452,0.18657059953641975,0.2031232478123178,0.19043148524719045,0.18922110363914257,0.18045880130859576,0.1737511536459786,0.16949274996769326,0.16395873559745808,0.16017735614123768,0.17347005064054138]
["Short-term refinancing",0.17746446140108851,0.16802500345059757,0.15776909680784762,0.21367067368624931,0.23862215479425603,0.2219070737524409,0.22794722470992701,0.2308680883054727,0.24421881162449946,0.23585507652218474,0.21380547903894931,0.17922011576768862,0.17095944405290672,0.17030110812679558,0.18292160247842634,0.19734391996771369,0.18318067104305813,0.20231441394170013,0.20259300422925702,0.14606141468536912]
["Subordinated liabilities",2.3845751840837891E-2,2.2311589065537027E-2,3.6496595186600707E-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-2,3.5348719864300028E-2,3.4984635631852258E-2,3.4449210522671116E-2,3.6787210322513732E-2,3.8790727789670305E-2,3.7571751751932246E-2,3.5200322901596179E-2,4.0521679101564873E-2]
[]
["Total funding",1,1,1,1,1,1,1,1,1,1,1,1,1,1,0.99999999999999989,1,1,1,0.99999999999999989,1]
[]
["Additional information:"]
["Customer loans (net) in € mn",null,null,null,75471.408629919999,75627.683195144025,77444.948156399987,79256.39202784904,80072.835001427971,80260.331866195003,82489.602798655978,81667.676194347034,74911.373978484,75161.756758008996,74348.495086530005,75334.834717405,73653.665254195017,73112.081798918036,73848.166755791011,75178.591025551941,70362.65020254704]
["Customer deposits in € mn",null,null,null,56290.178778019981,57727.316485936972,59294.538331277014,64120.161599596999,62999.715292766981,65066.607005305996,69201.373773427025,68267.420388236962,66169.91416426003,66706.022959663009,66489.935679891976,66147.699410957997,65688.841623235989,63266.760688130998,64378.218052256991,67778.350191968013,65960.649494042969]
["Loan to deposit ratio (net)*",null,null,null,1.3407562432434457,1.3100848575486406,1.3061059304267979,1.2360603911570176,1.2710031248446161,1.2335103298017371,1.1920226189256888,1.1962906424455879,1.1321062589339954,1.1267611742264885,1.1181917131710297,1.1388882060639749,1.1212507852801235,1.1556160139021319,1.1470986459402632,1.1091829590514419,1.0667367702148178]
[]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2012"]

{"sheet":"Capital Basel III","index":11,"n_rows":72,"n_cols":5,"rows_kept":72,"cut":false,"hidden":false,"merged":[[71,0,71,4]]}
["Regulatory total capital*"]
[]
["€ million","31/3/2014","30/6/2014","30/9/2014","31/12/2014"]
[]
["Total capital"]
["Paid-in capital",7502.5201378344964,6483.3161201800003,5883.3161201800003,5882.9527817299995]
["Earned capital",4130.9473145785078,3392.2401012475761,3207.1738315790562,1625.1747820309899]
["Non-controlling interests",373.90923738314228,418.97136761827301,439.68884340461807,393.54799562765112]
["Common equity tier 1 (before deductions)",12007.376689796147,10294.527589045849,9530.1787951636761,7901.675559388641]
["Intangible fixed assets/goodwill",-856.66192162859988,-857.34192295119999,-788.33728763140005,-411.31190887900999]
["Provision shortage for IRB positions",-19.615647313066294,-15.480723396151918,-16.682878855414387,-8.5969912339863495]
["Deduction securitizations",-2.025687,-10.196793530900001,-5.1132339271999996,-5.1208489996999997]
["Deduction deferred tax assets",0,0,0,0]
["Deduction insurance and other investments",0,0,0,0]
["Common equity tier 1 (after deductions)",11129.073433854479,9411.5081491675974,8720.0453947496626,7476.6458102759452]
["Additional tier 1",353.0016,353.0016,353.0016,353.0016]
["Deduction securitizations",-4.051374,0,0,0]
["Intangible fixed assets/goodwill",-317.68842309439998,-329.89769180479993,-327.39415052560008,-343.25484499699007]
["Provision shortage for IRB positions",-39.231294626132588,-30.961446792303835,-33.365757710828774,-17.193982467972695]
["Deduction insurance and other investments",0,0,0,0]
["Non-controlling interests",7.9694231742449917,7.8570577787068387,7.7582412701204078,7.4472274649658763]
["Tier 1 (after deductions)",11129.073365308192,9411.5076683492007,8720.0453277833531,7476.645810275948]
["Provision excess of internal rating approach positions",225.59570086942909,223.45082068392372,190.70655460877003,182.12797944771157]
["Hidden reserve",18.972003126999947,236.33545268137129,236.33545268137129,201.02669835107474]
["Long-term subordinated capital",3268.5688997513034,3251.7497560331831,3181.6629499349747,3132.0077695279547]
["Deduction securitizations",-4.051374,0,0,0]
["Deduction insurance and other investments",0,0,0,0]
["Non-controlling interests",0.59216580421307596,-9.4303498046533623,4.3046094428625077,11.562183273066388]
["Tier 2 (after deductions)",3509.6773955519457,3702.1056795938248,3613.0095666679786,3526.7246305998069]
["Total capital",14638.750760860137,13113.613347943026,12333.054894451332,11003.370440875753]
["Total capital requirement ",6392.0324908867242,6233.7700396814926,6352.1226805575716,5497.6899330844553]
["Common equity tier 1 ratio (transitional)",0.13928681932980122,0.12078094750698848,0.10982212823363469,0.10879690781078596]
["Tier 1 ratio (transitional)",0.13928681847190461,0.12078094133648949,0.10982212739024659,0.10879690781078601]
["Total capital ratio (transitional)",0.18321246998329199,0.16829126855135712,0.15532514738356748,0.16011627537826398]
["Common equity tier 1 ratio (fully loaded)",9.9000000000000005E-2,0.10419301725566965,0.10168194629106626,0.10015414896226583]
["Total capital ratio (fully loaded)",0.14645956156029541,0.15101449309510248,0.14770660504623301,0.15164098556758782]
[null,0,0]
["Total capital requirement"]
["Risk-weighted assets (total RWA)",79900.406136084057,77922.125496018649,79401.533506969645,68721.124163555694]
["Total capital requirement credit risk",5228.5462008867244,5148.097548935797,5241.5764606665616,4563.8220147643706]
["Internal rating approach",2995.7418738866518,2979.3442757856492,2987.6308309279839,2657.6261588757902]
["Standardized approach",2180.9374656683722,2118.9774034126481,2211.1478820839766,1865.7396958763786]
["CVA risk",51.866861331700001,49.775869737499995,42.797747654600002,40.456160012199994]
["Total capital requirement for position risk in bonds, equities, commodities and open currency positions",388.41199999999998,313.74889874569561,348.31961089100992,253.78331132008472]
["Total capital requirement for operational risk",775.07429000000002,771.92359199999999,762.22660900000005,680.08460700000001]
["Total capital requirement",6392.0324908867242,6233.7700396814926,6352.1226805575716,5497.6899330844553]
[]
["Risk weighted assets by asset classes"]
["Risk-weighted assets according to standardized approach",27261.718320854656,26487.2175426582,27639.348526049816,23321.74529254013]
["Central governments and central banks",1582.8026715703002,1838.6081191133001,2188.8863164619997,1537.9851939749999]
["Regional governments",48.328325320399998,52.424630707399999,50.468376832600001,35.036867689000005]
["Public administration and non-profit organisations",1.7985789550999998,5.1331679730999999,9.7242017070000006,8.9798622427999994]
["Multilateral development banks",0,0,0,0]
["Banks",380.5144626215,345.02902662330007,376.01483917650006,325.30585013889998]
["Corporate customers",11819.465510467699,11695.9682043264,12090.4177959642,9924.9974657472994]
["Retail customers",9763.7030792012556,9250.4456853792999,9526.2511602744144,7998.4777761367286]
["Equity exposures",413.97876496110001,446.30757095730002,472.19648352280001,455.41823277689997]
["Covered bonds",1.01646875,0.98932031499999995,0,9.0913001100000006]
["Mutual funds",105.0850548929,99.503020510900015,14.013854977299999,0]
["Securitization position",0,0,0,0]
["Other positions",3145.0254041143999,2752.8087967522001,2911.375497133,3026.4527437234997]
["Risk-weighted assets according to internal rating approach",37446.773423583247,37241.803447320519,37345.385386599803,33220.326985947482]
["Central governments and central banks",247.76883958239998,318.37302365560004,223.65632602070002,266.17955124260004]
["Banks",3802.1063183009001,3160.3891764127002,2845.0124869020001,2496.3815423253]
["Corporate customers",28859.349025206302,29314.471912606201,29989.473441132999,25411.671798007999]
["Retail customers",4226.2219207987455,4217.0632118359172,4025.0758129044998,4686.2075633273798]
["Equity exposures",205.2403953022,108.81783882529999,100.06917900929999,105.4098303399]
["Securitization position",106.08692439270001,122.68828398479999,162.09814063029998,254.47670070429999]
["CVA risk",648.33576664624991,622.19837171874997,534.97184568250009,505.70200015249992]
["Total",65356.827511084157,64351.219361697462,65519.705758332115,57047.774278640107]
[0]
["* Total capital formerly referred to as 'own funds'."]

{"sheet":"Own Funds Basel II","index":12,"n_rows":68,"n_cols":17,"rows_kept":68,"cut":false,"hidden":false,"merged":[]}
["Own funds development (regulatory)"]
[]
["€ million","31/12/2007","31/12/2008","31/12/2009","31/12/2010","31/3/\n2011","30/6/\n2011","30/9/\n2011","31/12/\n2011","31/3/\n2012","30/6/2012","30/09/2012","31/12/2012","31/3/2013","30/6/2013","30/9/2013","31/12/2013"]
[null,"RI Group","RI Group","RI Group"]
["Available own funds"]
["Paid-in capital",3056.9250139999995,3036.6000680000002,3637.8649999999998,4913.8779999999997,4914,4914,4926,4933.0770000000002,4935.8919999999998,5658.0190000000002,5657.366,5668.6161549999997,5668.6161549999997,5668.6161549999997,5668.6161549999997,5668.5580590000009]
["Earned capital",1259.0992092964425,1546.20491581122,1512.0540000000001,2958.2289999999998,2897,2716,2477,3031.1010000000001,3325.2910000000002,2753.5749999999998,2802.49,3071.0118450000004,3186.9360000000001,3019.39,2947.0360000000001,3134.5569999999998]
["Non-controlling interests",1079.0892191281082,1005.0573631981905,1061.5709999999999,1003.313,1089.9560114582805,1049.4649999999999,1071.7560000000001,1171.0160000000001,1039.3414,844.41140000000007,847.9434,848.31040000000007,827.23239999999998,655.52440000000001,448.44040000000001,428.21100000000001]
["Hybrid tier 1 capital",500.00000199999999,500.00000199999999,1150,800,800,800,800,800,441.2516,441.2516,441.2516,441.2516,441.2516,441.2516,441.2516,441.25200000000001]
["Intangible fixed assets",-202.83090813201872,-227.64599999999999,-289.483,-469.346,-465.17599999999999,-462.613,-468.33699999999999,-501.178,-501.49200000000002,-739.03099999999995,-735.93600000000004,-750.40899999999999,-755.63599999999997,-742.27599999999995,-708.21500000000003,-705.048]
["Core capital (tier 1 capital)",5692.2825362925323,5860.2158760000002,7072.0069999999996,9206.0740000000005,9236.3269999999993,9017.3209999999999,8806.3590000000004,9434.0159999999996,9240.2839999999997,8958.2260000000006,9013.1149999999998,9278.7810000000009,9368.4001549999994,9042.5061549999991,8797.1291549999987,8967.5300590000006]
["Deductions from the core capital",-11.185882208201511,-13.77,-13.058999999999999,-14.845000000000001,-25.812999999999999,-22.934999999999999,-21.372499999999999,-18.590499999999999,-12.445499999999999,-10.222,-15.7895,-13.595000000000001,-15.567500000000001,-15.2255,-14.462999999999999,-12.759]
["Eligible core capital (after deductions)",5681.096654084331,5846.4458759999998,7058.9480000000003,9191.2289999999994,9209.5139999999992,8993.3860000000004,8783.9865000000009,9415.4254999999994,9227.8384999999998,8948.0040000000008,8997.3255000000008,9265.1859999999997,9352.8326550000002,9027.2806549999987,8782.666154999999,8954.7710590000006]
["Supplementary capital according to Section 23 (1) 5 BWG",91.001000000000005,91.001000000000005,91.001000000000005,599.79200000000003,599.65700000000004,599.90099999999995,599.99900000000002,598.74199999999996,600,638.0334417176,634.78700000000003,null,null,0,0,0]
["Provision excess of internal rating approach positions",0,58.337000000000003,7.883,230.55500000000001,229.101,233.238,241.05199999999999,233.696,207.92400000000001,236.137,229.27600000000001,225.893,238.46700000000001,226.70099999999999,228.71,221.143]
["Hidden reserves",null,null,0,55.4,55.4,55.4,55.4,0,0,0,0,33.844000000000001,16.157,9.7260000000000009,10.095000000000001,8.23]
["Long-term subordinated own funds",865.92,897.04100000000005,1003.079,2480.1709999999998,2425.9549999999999,2455.4609999999998,2363.6179999999999,2535.5709999999999,2523.605,2528.029,2479.9679999999998,3080.221,3028.8530000000001,2985.8029999999999,2969.9540000000002,3157.248]
["Additional own funds (tier 2 capital)",956.92100000000005,1046.3789999999999,1101.963,3365.9180000000001,3310.1129999999998,3344,3260.069,3368.009,3331.529,3402.1994417176002,3344.0309999999999,3339.9580000000001,3283.4769999999999,3222.23,3208.759,3386.6210000000001]
["Deduction items: participations, securitisations",-11.185882208201511,-12.773999999999999,-13.058999999999999,-14.845000000000001,-26.812999999999999,-23.934999999999999,-22.372499999999999,-18.590499999999999,-12.445499999999999,-10.222,-15.7895,-13.595000000000001,-15.567500000000001,-15.2255,-14.462999999999999,-12.759]
["Eligible additional own funds (after deductions)",945.73511779179842,1033.605,1088.904,3351.0729999999999,3283.3,3320.0650000000001,3237.6965,3349.4185000000002,3319.0835000000002,3391.9774417176,3328.2415000000001,3326.3629999999998,3267.9095000000002,3207.0045,3194.2959999999998,3373.8620000000001]
["Deduction items: insurances",null,-0.996,-0.96399999999999997,-3.8170000000000002,-3.7810000000000001,-4.5529999999999999,-6.056,-7.0750000000000002,-7.3419999999999996,-7.1980000000000004,-8.3610000000000007,-8.3659999999999997,0,0,0,0]
["Tier 2 capital available to be redesignated as tier 3 capital ",57.43,112.455,181.58099999999999,69.078000000000003,84.757000000000005,187.22,180.27799999999999,100.07899999999999,116.989,121.202,98.662000000000006,302.07,308.49900000000002,278.77800000000002,276.95,357.01600000000002]
["Total own funds",6684.2617718761303,6991.5098760000001,8328.4689999999991,12607.563,12573.79,12496.118,12195.905000000001,12857.848,12656.569,12453.985441717601,12415.868,12885.253000000001,12929.241155,12513.063155,12253.912155,12685.649059000001]
["Total own funds requirement",4317.1196799999998,5766.81501951681,5116.8159999999998,7584.8509999999997,7559.6869999999999,7702.0249999999996,8067.8630000000003,7624.1279999999997,6897.9949999999999,6754.3990000000003,6723.2280000000001,6625.7250000000004,6699.1959999999999,6620.9390000000003,6616.5190000000002,6391.7219999999998]
["Excess own funds",2367.1420918761305,1224.6948564831903,3211.6529999999998,5022.7120000000004,5014.1030000000001,4794.0929999999998,4128.0420000000004,5233.72,5758.5739999999996,5699.5864417176008,5692.64,6259.5280000000002,6230.0451549999989,5892.1241549999995,5637.3931549999998,6293.9270590000006]
["Excess cover ratio",0.54831514234882883,0.21236936720501998,0.628,0.66220312040407903,0.66326859828984985,0.62244578536164186,0.51166486094273034,0.68646801312884564,0.83481852335352524,0.8438332472981831,0.84671232330660207,0.94473102943451481,0.92996908211074869,0.88992273679005329,0.85201798030051745,0.98469975055235515]
["Core tier 1 ratio, total",9.6000000000000002E-2,7.3999999999999996E-2,0,8.8505145428905183E-2,8.89932506464884E-2,8.5103707141952936E-2,7.9168290289510376E-2,9.0401683459435223E-2,0.1019030779186017,0.10075510670897592,0.10180911788206497,0.10654151373120216,0.10641970648418111,0.10374394206018209,0.1008556201305615,0.10655681207662035]
["Tier 1 ratio, credit risk",0.11407295473009849,9.6826062088530229E-2,0.14099999999999999,0.12157499249765009,0.12281509451827037,0.11755716295226006,0.10920845042711678,0.12203974083767131,0.12987548807078816,0.12929571939315715,0.13081111003684881,0.13598000040727137,0.13492549110266377,0.13311346021383089,0.12890695581690348,0.13706108284467564]
["Tier 1 ratio, total",0.10506840101085417,8.0922586991372059E-2,0.11,9.6943014437594094E-2,9.7459209620715775E-2,9.3511735905410898E-2,8.7100998120567985E-2,9.8796090516843363E-2,0.10702052987860966,0.10598134933988945,0.10705959101788605,0.11186924902557834,0.11168901647302153,0.10907553330426394,0.10619077681179484,0.11207960620314839]
["Own funds ratio",0.12386521138790631,9.6989549376401599E-2,0.13,0.13297624963232632,0.133061487863188,0.12993256224728389,0.12093318887541843,0.13491744105030765,0.14678548186828203,0.14750665978385463,0.14773698586452816,0.15557848235476118,0.15439752656885991,0.15119381894320427,0.14816143842404139,0.15877598004418841]
[null,null,null,0,0,0,0,0,0,0,0]
["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",49802.310000000005,60387.5625,50089.599999999999,75601.3125,74986.824999999997,76502.237500000003,80433.212499999994,77150.487500000003,71051.425000000003,69205.725000000006,68781.05,68136.387499999997,69318.5,67816.4375,68131.824999999997,65334.162499999999]
["according to Sections §§ 22a to 22h BWG",3984.1848000000005,4831.0050000000001,4007.1680000000001,6048.1049999999996,5998.9459999999999,6120.1790000000001,6434.6570000000002,6172.0389999999998,5684.1139999999996,5536.4579999999996,5502.4840000000004,5450.9110000000001,5545.48,5425.3149999999996,5450.5460000000003,5226.7330000000002]
["Standardized approach",3984.1848000000005,4053.174,2861.6680000000001,2974.0349999999999,2944.2660000000001,3010.337,3220.636,3056.0990000000002,2911.7930000000001,2387.962,2445.473,2439.0059999999999,2365.9169999999999,2402.6370000000002,2401.076,2278.1619999999998]
["Internal rating approach",0,777.83100000000002,1145.5,3074.07,3054.68,3109.8420000000001,3214.0210000000002,3115.94,2772.3209999999999,3148.4960000000001,3057.011,3011.9050000000002,3179.5630000000001,3022.6779999999999,3049.47,2948.5709999999999]
["Settlement risk",7.8945001935503082E-3,0,1.7000000000000001E-2,2.7E-2,0.20699999999999999,7.0000000000000007E-2,8.9999999999999993E-3,7.3748800000000003E-3,1.8472947199999998,0,0,8.2103999999999999E-4,0,0,5.1249360000000001E-2,7.0000000000000001E-3]
["Own funds requirement for position risk in bonds, equities and commodities ",146.22810549980645,152.14263098889001,136.18899999999999,326.65476485461181,331.90788455304823,345.05755276023075,376.85122393445698,519.91220131534465,300.00530195202157,293.82166608299229,305.69401116461188,273.35266334739225,285.39412598188608,310.20081094121002,287.02138040574982,297.10814916474493]
["Own funds requirement for open currency positions ",186.69868,343.23372352792001,399.10899999999998,385.62200000000001,405.39511544695176,430.27744723976929,468.728776065543,140.13879868465534,89.403698047978423,69.532333917007719,63.919988835388118,55.977336652607761,65.130874018113914,62.274189058790014,61.706619594250178,59.907850835255076]
["Own funds requirement for the operational risk",0,440.43366499999991,574.33299999999997,824.44200000000001,823.23099999999999,806.44100000000003,787.61699999999996,792.03099999999995,822.625,854.58699999999999,851.13,845.48299999999995,803.19100000000003,823.149,817.19399999999996,807.96600000000001]
["Total own funds requirements",4317.1194800000003,5766.8150195168109,5116.8159999999998,7584.850764854612,7559.6869999999999,7702.0249999999996,8067.8630000000003,7624.1283748799997,6897.9952947199999,6754.3990000000003,6723.2280000000001,6625.7248210400003,6699.1959999999999,6620.9390000000003,6616.5192493599998,6391.7219999999998]
[]
[]
["Risk weighted assets by asset classes","(Basel I)"]
[]
["Risk-weighted assets according to section 22 BWG on standardized approach",null,50664.675000000003,35770.85,37175.442499999997,36803.32499999999,37629.212500000001,40257.949999999997,38201.237500000003,36397.412500000006,29849.525000000001,30568.412500000002,30487.574999999997,29573.962499999998,30032.962500000001,30013.45,28477.025000000001]
["Central governments and central banks",0,3927.4625000000001,2604.7379999999998,3712.3874999999998,3657.5625,3468.9375,3465.125,3518.1875,2707.8,2087.9250000000002,2053.4250000000002,2063.35,2150.35,2137.8000000000002,1957.925,1846.9875]
["Regional governments",0,498.4,126.675,95.174999999999997,111.96250000000001,108.55,113.66249999999999,99,86.862499999999997,75.674999999999997,101.325,97.512500000000003,94.05,84.137500000000003,82.787499999999994,86.775000000000006]
["Public administration and non-profit organisations",0,52.862499999999997,38.424999999999997,41.637500000000003,28.612500000000001,26.462499999999999,36.237499999999997,22.25,6.6875,3.4750000000000001,3.1124999999999998,4.2,5.6624999999999996,247.36250000000001,8.2375000000000007,6.5]
["Multilateral development banks",0,27.5,0,0,0,0,0,0,0,0,0,1.1499999999999999,0,0,0,0]
["Banks",0,1824.2874999999999,1683.7629999999999,1013.2625,956.52499999999998,755.27499999999998,935.9,699.48749999999995,507.86250000000001,359.8125,401.9375,368.22500000000002,381.8,354.38749999999999,383.4375,370.51249999999999]
["Corporates",0,28438.012500000001,17545.988000000001,18800.171999999999,18775.099999999999,19717.45,21854.387500000001,21186.0625,20615.212500000001,12991.7,13656.075000000001,13242.525,13073.262500000001,13082.3125,12877.4125,12827.375]
["Retail (including small and medium-sized entities)",0,13585.8125,11450.513000000001,10088.582999999999,10179.4125,10322.375,10328.612499999999,9443.875,9360.3374999999996,11345.225,11297.8375,11397.075000000001,10900.012500000001,11021.1875,11520.362499999999,9925.9624999999996]
["Covered Bonds",null,null,null,null,null,null,null,1.3125,1.3,1.325,1.3,1.3125,1.2250000000000001,1.0375000000000001,1.0249999999999999,1.0375000000000001]
["Mutual funds",0,68.900000000000006,122.925,124.5125,129.72499999999999,128.41249999999999,116.5,117.575,144.88749999999999,89.4375,92.05,111.22499999999999,11.375,106.3,104.2375,113.1375]
["Securitisation positions",0,0,2.7130000000000001,18.05,19.7,11.425000000000001,2.5625,0,0,0,0.13750000000000001,0,0,0,0,0]
["Other positions",0,2241.4375,2195.11,3281.6624999999999,2944.7249999999999,3090.3249999999998,3404.9625000000001,3113.4875000000002,2966.4625000000001,2894.95,2961.2125000000001,3201,2956.2249999999999,2998.4375,3078.0250000000001,3298.7375000000002]
["Risk-weighted assets on internal approach",null,9722.8874999999989,14318.75,38425.875,38183.5,38873.025000000001,40175.262499999997,38949.25,34654.012499999997,39356.199999999997,38212.637499999997,37648.8125,39744.537499999999,37783.474999999999,38118.375,36857.137499999997]
["Central governments and central banks",0,0,679.91099999999994,878.51250000000005,957.88750000000005,923.65,817.5,38.837499999999999,42.674999999999997,204.86250000000001,191.86250000000001,402.65,277.42500000000001,216.22499999999999,376.05,316.7]
["Banks",0,384.25,1669.6130000000001,5047.6875,4861.9624999999996,4735.3625000000002,4653.4624999999996,4378.8125,4048.9,3944.3375000000001,3671.75,3702.15,3809.9375,3597.2,3298.9875000000002,3098.9]
["Corporates",0,9334.4,11816.963,29586.424999999999,29547.65,30138.662499999999,31672.262500000001,32097.35,28273.012500000001,32061.0625,30663.3125,30537.674999999999,32213.987499999999,30382.9,30881.987499999999,28911.4]
["Retail (including small and medium-sized entities)",null,null,0,2464.6624999999999,2393.3125,2667.6875,2603.0625,2170.5749999999998,2111.7375000000002,3002.0374999999999,3052.7249999999999,2811.8375000000001,3211.625,3337.4375,3335.5124999999998,4293.6625000000004]
["Equity exposures",0,4.2374999999999998,152.26300000000001,313.5,284.03750000000002,267.0625,243.41249999999999,225.72499999999999,153.1,99.075000000000003,100.7625,90.237499999999997,140.01249999999999,143.4,136.22499999999999,143.5625]
["Securitisation positions",0,0,0,135.08750000000001,138.65,140.6,185.5625,37.950000000000003,24.587499999999999,44.825000000000003,532.22500000000002,104.2625,91.55,106.3125,89.612499999999997,92.912499999999994]
["Total",null,60387.5625,50089.599999999999,75601.317500000005,74986.824999999997,76502.237500000003,80433.212499999994,77150.487500000003,71051.425000000003,69205.725000000006,68781.05,68136.387499999997,69318.5,67816.4375,68131.824999999997,65334.162499999999]
[0]

{"sheet":"LLSFR","index":13,"n_rows":23,"n_cols":15,"rows_kept":23,"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","31/12/2012","31/3/2013","30/6/2013","30/9/2013","31/12/2013","31/3/2014","30/6/2014","30/9/2014","31/12/2014"]
["Raiffeisenbank a.s., Prague (CZ)",1.0565332629764841,0.92279375423360266,0.91128992619470894,0.85992808339674542,0.8473900086277012,0.87008849113536946,0.92163867988200099,0.91624296884871714,0.93694170108077801,0.88927743910813661,0.89404131706123491,0.91705665417130766,0.88639448685562028,0.83228751797484557]
["Raiffeisen Bank Zrt., Budapest (HU)",1.0390905944322375,0.89879230995722093,0.84901398129596573,0.8624223371505928,0.81035708387148742,0.80157754092170486,0.82626536420920715,0.92020970149045467,0.9502215693772933,0.8969346624608624,0.87805494228739123,0.95619973468749631,0.87116827068111879,0.7936337065866953]
["Tatra banka a.s., Bratislava (SK)",0.73482400630364209,0.76645232886640025,0.74944652902577324,0.77234296463665253,0.78983786694718683,0.78972872947513884,0.79467233455021469,0.7964745825652142,0.7945943237864318,0.79928073889228801,0.81049954979402705,0.7920472783258431,0.8520767808035532,0.83980360487800387]
["Raiffeisen Banka d.d., Maribor (SI)",2.3121132358011107,2.2151698312752202,2.1672929208722778,2.1402723143634277,2.072104087897134,1.9232840913946458,2.4685567377096547,2.1957564699286252,2.096294776986197,1.7905403674399276,1.7055115203672166,1.4760332856678651,1.2315122835340999,1.2078183118726509]
["Raiffeisen Bank Polska S.A., Warsaw (PL)",0.97523604881916426,0.91920127753884284,0.90296097822317689,0.8177322860417563,0.85655012975559175,1.0654087709941837,1.0583423682286999,1.0905725254200114,1.1087959248663333,1.0455354997717237,1.0466440221269069,1.024145379346509,0.96305061626193278,0.94334155273846021]
["Raiffeisen Bank Sh.a., Tirana (AL)",0.41304369170948979,0.44299977469885671,0.43521449341671664,0.41897307115014615,0.40748667542066197,0.42697248684345174,0.42919558408562009,0.42647135898453686,0.43076238516523241,0.46082621225766812,0.46106896085137511,0.46264809009239483,0.46770893835596378,0.45915329782521919]
["Raiffeisen Bank d.o.o., Sarajevo (BA)",0.70533379093877957,0.70840380259818625,0.67795458764526828,0.68279287845922698,0.69740188513558554,0.68424835949448526,0.68677130489121641,0.69419380909698769,0.67925032085547843,0.64546285588718422,0.63672416334063775,0.63690313774141827,0.6336763672286998,0.6369010433076161]
["Raiffeisenbank (Bulgaria) EAD, Sofia (BG)",0.99688363262696156,1.0217082038997849,0.99537606241333509,0.95670853614971496,0.94347342297300907,0.96154541111425529,0.93827982245688313,0.92842152490664631,0.88104202697863365,0.91206988563743641,0.86633352333841984,0.81303017767724639,0.73276692009651001,0.7537466791645101]
["Raiffeisenbank Austria d.d., Zagreb (HR)",1.0355377266639278,1.0197799018210552,1.0213120335608963,1.0035686163418267,0.93697387256417974,0.90998627011358835,0.93942123948406397,0.92422021321560766,0.88172946600080759,0.94654885779728792,0.89999791320948153,0.88272341959257028,0.79862913609104635,0.75165671915236432]
["Raiffeisen Bank Kosovo J.S.C., Pristina (KO)",0.62428550233756297,0.70497676606426785,0.72065043342031454,0.73763003001001981,0.73291333253882618,0.75090200811755592,0.82347018848582254,0.83496088857895812,0.80070622242326805,0.74894345340592805,0.71334746206280475,0.74931163022750946,0.68130845269142237,0.69137849388452643]
["Raiffeisen Bank S.A., Bucharest (RO)",0.75277325479558577,0.84054706428623949,0.78735539270241639,0.82889158722056944,0.81341322729049437,0.83362672745370148,0.77970630491287951,0.79727902887366986,0.80118039111645667,0.742260409719526,0.76953772483878791,0.74332956101680059,0.77171612585162941,0.69181852305391156]
["Raiffeisen banka a.d., Belgrade (RS)",0.78760715572365791,0.78220835172781844,0.80876622880139859,0.82866995117853748,0.82376180720668069,0.80075776114891362,0.82347018848582254,0.80049479407858848,0.77002877163890115,0.72397744982297507,0.64375375457838324,0.65715899991587667,0.63982852855400207,0.67031381385469735]
["Priorbank JSC, Minsk (BY)",1.0589392426292306,0.89721739025158109,0.82440848454042259,0.77030635080015286,0.72672465872370484,0.81052532733664751,0.88600939444684357,0.86555742854355289,0.95254521541977255,0.91269041509777094,0.94472866592014493,0.88877764925960578,0.83825453714470599,0.9411200540697936]
["Raiffeisen Bank Aval JSC, Kiev (UA)",1.0513595144278696,1.0437199371257846,0.94677275927079241,0.91745161556950305,0.90071088816200562,0.85616149746242232,0.82070614450090196,0.83762363567721998,0.84601495604136967,0.92377718653930718,0.99564721086903341,0.90233710475336026,0.83817097150076558,0.73295711503705641]
["AO Raiffeisenbank, Moscow (RU)",0.89207859222213814,0.87027639991578809,0.82068232380469552,0.79641916178886429,0.80295727815177498,0.9063356347212449,0.86312765053433593,0.85798487466772466,0.89024576556221535,0.89690910780904864,0.83918693319937798,0.89286948471477301,1.0001131342930922,0.99873991402750095]
["Polbank EFG S.A., Warsaw (PL)*",null,null,null,1.3496107202538874,1.35215508843613]
[]
["* merged into Raiffeisen Bank Polska in Q4/2012"]

{"sheet":"Country Overview","index":14,"n_rows":137,"n_cols":14,"rows_kept":137,"cut":false,"hidden":false,"merged":[[28,5,31,5],[132,5,135,5],[98,5,101,5],[64,5,67,5]]}
["Country and Segment Overview"]
[]
[]
[]
["1/1-31/12\n2014","Total assets\nin € million","Share of \ntotal assets","Profit/loss after tax\nin € million","Business \noutlets","Number of employees","Loan/deposit\nratio (net)","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",8793.5046962289998,7.2300805678005689E-2,74.194167886000002,127,2720,0.95390596476723633,2.9768426744883253E-2,6.685097144706385E-3,5.8935578818447576E-2,6.0139725398877082E-2,0.6518801860152742]
["Hungary",6935.7502507930003,5.7026219742489004E-2,-398.163392251,114,2298,0.88271875642295372,2.6217696901960522E-2,2.6382341250211609E-2,-5.5373888681909955E-2,0.25734959652573508,0.77294746035947359]
["Slovakia",10215.407483999999,8.3991789046187926E-2,107.395111,178,3816,0.94879384402787259,3.2847497818173428E-2,7.5923036667488106E-3,9.0789531849611249E-2,4.4960278922283631E-2,0.70758767850341242]
["Slovenia",1145.5243969999999,9.4185810650023426E-3,-25.046281,14,230,1.4452513077257043,1.2187088371703767E-2,2.4352147801435738E-2,-0.21452900923298646,0.25232551209369403,0.59862717006017208]
["Poland",13728.873136067999,0.11287974739065239,83.796136855,351,5462,1.1622595134193212,2.4370851190261847E-2,2.5683078247818558E-3,4.8374087344351668E-3,8.7748065622433716E-2,0.56907540409670332]
["Reconciliation",-47.569445299946892,"–","–","–","–","–","–","–","–","–","–"]
["Segment CE",40771.490518790051,0.33522602364286314,-157.82425751,784,14526,1.0103600538346638,2.7658261767047106E-2,9.380955025489102E-3,1.8241142935088384E-2,0.10280899489914318,0.67969947723385549]
["Albania",1975.6608485100001,1.6244020561565351E-2,33.484326046999996,92,1326,0.47990287835634621,4.6967868666061979E-2,3.229917159161446E-2,-1.841182743220604E-2,0.18632160169986225,0.58841119479739945]
["Bosnia and Herzegovina",1943.7748859799999,1.5981851965496216E-2,20.587249921999998,96,1434,0.72472190150369697,3.6747375078757819E-2,1.3433186820473489E-2,-3.8349373761866756E-2,0.13050760422938829,0.56740319422518082]
["Bulgaria",3223.1610568569999,2.6501053822222769E-2,25.025921475000001,156,2751,0.91269896604018685,4.0043188357520756E-2,2.195773482759979E-2,-0.13908644260014014,0.14702850404998316,0.53931092992613416]
["Croatia",4646.9719909990008,3.8207726102248547E-2,60.807047491999995,77,2127,0.92299359596308439,3.712813477848502E-2,1.4932713359477486E-2,-6.881046765829435E-2,0.14791073414967323,0.73228058986178601]
["Kosovo",777.80745000000002,6.3951868157267689E-3,16.321611000000001,52,705,0.76725907201326948,5.3066745325071142E-2,5.4064313689889303E-3,6.5277799330953235E-2,0.10192072427336475,0.48543324243393954]
["Romania",6919.5080904260058,5.6892675573121734E-2,96.881145466999996,529,5292,0.85108826331778065,4.361403155957335E-2,1.9522043520939353E-2,1.1051770840558417E-2,0.10655225910203962,0.71691896925940479]
["Serbia",1884.86304258,1.5497474701943598E-2,42.925386225000004,85,1581,0.81433054420102391,5.5197781408411903E-2,1.7569925103020145E-2,2.113006885941604E-2,0.12896822240061928,0.81447463264001696]
["Reconciliation",-1.090363465008295,-8.9650440552751256E-6,"–","–","–","–","–","–","–","–","–"]
["Segment SEE",21370.657001887001,0.17571102449826972,296.03268738999998,1087,15216,0.81422182111747665,4.2712620039116425E-2,1.8485928230221479E-2,-3.9565992062045918E-2,0.13221259281843467,0.66530083408339113]
[]
["Segment Russia",12457.056123515998,0.1024227796787983,340.22526532399996,212,8252,1.0986623327903537,5.9242360688049903E-2,1.5217980543149221E-2,-0.15833485983751117,5.9094298881198742E-2,0.70466408260975777]
["Belarus",1536.3153697370001,1.2631691554690636E-2,62.723746476999999,97,2176,1.1758750837955567,8.0772050034938869E-2,8.6908226544522051E-3,0.15003362024772326,3.0122006048141348E-2,0.88881291940357066]
["Ukraine",2480.6199754560007,2.0395829535786364E-2,-289.775212001,671,11478,1.0468916518061344,9.3470702525942126E-2,0.17773836757380074,-0.2531062261442576,0.45983263965364513,0.86895879928113184]
["Kasachstan",27.926867281,2.2961664026232003E-4,1.02974108,1,9,"–",5.9322489025534927E-2,2.4795237646732847E-3,-0.29272108305387207,"–","–"]
["Reconciliation",-1.4656247029997758,"–",0,"–","–","–","–","–","–","–","–"]
["Segment CEE Other",4043.3965877710007,3.3245087262750835E-2,-226.021724444,769,13663,1.1027713354876485,8.9168513940083807E-2,0.1346153824622118,-0.17261081252059918,0.33720202480681777,0.87040695542495228]
["Segment Group corporates",18617.541820276998,0.15307472047262752,-147.45716263200001,8,3073,1.370610648326247,2.3064594582009296E-2,2.4218841932044082E-2,"–",0.10536431827145745,0.53452841537207096]
["Segment Group markets",17634.652915862003,0.14499333971079642,97.545531605000008,5,null,1.9208135038309795,9.8295813923107208E-3,-3.5097877007835747E-4,"–",2.2424970323239556E-2,0.79663332846580381,"*"]
["Segment Corporate center",31094.990613505015,0.25566517009657713,334.69705973000003,1,null,"–","–","–","–","–","–"]
["Reconciliation",-24365.903056824052,-0.20033814536268296,-1000.2764010599981,"–",null,"–","–","–","–","–","–"]
["Total RBI Group",121623.882524784,1,-463.07900159699795,2866,54730,1.0667367702148172,3.2389622287879782E-2,2.125272495498225E-2,-3.3598502270086837E-2,0.11341926659752509,0.67373258880857456]
["* including exposure to banks"]
[]
[]
[]
[]
[]
[]
["1/1-31/12\n2013","Total assets\nin € million","Share of \ntotal assets","Profit/loss after tax\nin € million","Business \noutlets","Number of employees","Loan/deposit\nratio (net)","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",7986.5909571989996,6.1134433508799726E-2,42.739844898000001,129,2773,1.0017894820026636,3.0000355571333282E-2,8.3715267259419964E-3,-6.2350152261281488E-2,6.7895480007164971E-2,0.61213261883012682]
["Hungary",6230.0949151269997,4.7689098563264851E-2,-115.80683287700001,122,2603,0.97170170215201734,3.1777516322277502E-2,2.9794153285520559E-2,-4.6065418764393073E-2,0.29683933937007356,0.63743128250419689]
["Slovakia",10008.733689999999,7.6613196739098083E-2,102.769913,165,3853,0.90981817390827524,3.375996462086276E-2,7.1189853368515662E-3,3.5210308568429438E-2,5.0158061340782677E-2,0.63694779173961824]
["Slovenia",1340.8418489999999,1.026365408004507E-2,-63.444507999999999,16,245,2.1517859892046234,1.4302010538229881E-2,5.7107599803386658E-2,-0.14250757538036418,0.28321075289099784,0.47276244346749158]
["Poland",12880.942281485,9.8598903294066703E-2,40.751013096000001,370,5985,1.2417436606268768,2.5448235954323013E-2,8.5188714783649214E-3,-6.7649489591245504E-2,0.10043588529028251,0.71962315593651105]
["Reconciliation",-26.391185753989703," ",0,"–","–","–","–",null,"–","–","–"]
["Segment CE",38420.812507057009,0.29409727130817082,7.009430117,802,15459,1.059426659299854,2.9157777463900664E-2,1.3747042516021251E-2,-4.2977125524883752E-2,0.12248273925705526,0.64341358962872308]
["Albania",2084.454706513,1.5955738604912312E-2,31.524922127,104,1371,0.47213190776106306,4.2332367839902213E-2,3.0801812516525133E-2,-5.9570184721364994E-2,0.14574290270222254,0.64669782695416955]
["Bosnia and Herzegovina",2021.8503172579999,1.5476524896237402E-2,26.143366245999999,98,1491,0.72673595637905497,3.9057811580592246E-2,1.187673411780831E-2,-2.8805132065780836E-2,0.11920763344449452,0.57856822336885338]
["Bulgaria",3203.2685531289999,2.4519849510456718E-2,-15.202679662,168,2965,1.0598497180137896,3.9338099400265246E-2,3.3612931510040758E-2,-0.12372423842042946,0.20078728197139104,0.52276539485875051]
["Croatia",4748.6100996490004,3.6348874000430825E-2,44.736708268999998,76,2036,1.0914292534547148,3.5777254267888907E-2,1.6720908588751651E-2,-2.522861474753979E-2,0.13866237701924081,0.64600911584253728]
["Kosovo",699.18851800000004,5.3520324494968586E-3,15.728999999999999,54,699,0.77709650801326113,6.0688201791971291E-2,9.9118972931848282E-3,6.8988956713540661E-2,9.2910848187487627E-2,0.57565222346354217]
["Romania",6527.5932147209996,4.9966339267462488E-2,99.678978598,530,5308,0.90201506017134947,4.6105725190644709E-2,2.4954853536447493E-2,9.5476243513612502E-3,0.11555859311554954,0.70432773959068851]
["Serbia",1874.6878832970001,1.4350050273686165E-2,46.094507800999999,85,1602,0.891926772593027,6.2324838989404961E-2,1.9528384018225067E-2,-8.235771221328736E-2,0.13092805999454268,0.73960065815459031]
["Reconciliation",6.2868150009762758E-2,4.8123270080943535E-7,-0.66745810599996958,"–","–","–","–",null,"–","–","–"]
["Segment SEE",21159.716160717009,0.16196989023538358,248.037345273,1115,15472,0.88568414101906268,4.3653566342139384E-2,2.2798769506888143E-2,-3.9255456922503207E-2,0.13949246062889556,0.62905309660447339]
[]
["Segment Russia",15554.626103840001,0.11906497533122043,468.71797739800002,195,8542,0.96660065163135289,4.8043920837429303E-2,4.8243560882395243E-3,3.0853604140099744E-2,4.8211347256953585E-2,0.77830552408341547]
["Belarus",1446.3325047979999,1.1071146477895918E-2,66.997288698000006,100,2216,1.057060103221223,6.6770957225040631E-2,-1.4255397554904126E-2,4.7729325267202638E-2,6.4728489503375515E-3,3.4161500690388236]
["Ukraine",4326.8822416809999,3.3120701450976085E-2,100.659142106,798,13053,1.1591535262765584,7.9184408227425146E-2,3.3166065778894027E-2,-3.1307027256926689E-2,0.30586645718734684,0.70729473178896496]
["Kasachstan",0,"–","–","–",11,"–",4.5479179063575667E-2,null,-0.22013548222719947,3.5815615730240315E-2,0.98145136904281483]
["Reconciliation",36.003047970997613,"–",2.1995826939999574,"–","–","–","–",null,"–","–","–"]
["Segment CEE Other",5809.2177944499972,4.4467438096703636E-2,169.85601349799998,899,15280,1.1428862846805978,7.6005523846185807E-2,2.2926209211377068E-2,-1.8239003212265126E-2,0.24385138863177916,0.72200520481323838]
["Segment Group corporates",20812.27636084699,0.15931036560750483,138.03043591100001,9,3148,1.8993892668977765,2.3355424982246173E-2,1.2711392621629384E-2,"–",6.7321250645277719E-2,0.46991491543493719]
["Segment Group markets",20271.05414439501,0.15516750743654212,102.165491957,4,null,1.2441324041570199,7.4071259206497106E-3,4.7203406389363343E-3,"–",1.6660736739327848E-2,0.88305546706745919,"*"]
["Segment Corporate center",34716.288999147015,0.26574049840095576,-21.338880526000001,1,null,"–","–","–","–","–","–"]
["Reconciliation",-26104.179139996992,-0.19981794641648118,-509.53144339100095,"–",null,"–","–","–","–","–","–"]
["Total RBI Group",130639.81293045604,1,602.94637023699897,3025,57901,1.1212507852801235,3.1124501339627152E-2,1.3912201505041234E-2,-3.7412926142423641E-2,0.10736625018726137,0.63133716741832613]
["* including exposure to banks"]
[]
[]
[]
[]
["1/1-31/12\n2012","Total assets\nin € million","Share of \ntotal assets","Profit/loss after tax\nin € million","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-2,77.827102901000003,132,3066,1.0097125604452846,2.875707554463652E-2,3.1355149561497132E-2,1.1603276233648357E-2,-2.4038391893354105E-2,6.8342613594713844E-2,0.60244312408978318]
["Hungary",7155.2684654619998,5.2567422353460735E-2,-173.74991044800001,125,2865,1.0618008253612687,3.2416167711943854E-2,3.4257432641555341E-2,4.468486121749498E-2,-5.9828865071643533E-2,0.28069319732236803,0.61093564634911779]
["Slovakia",9666.9035449999992,7.1019585631630203E-2,105.75546199999999,163,3827,0.91873390663448695,2.9749735795267209E-2,3.175000793914811E-2,6.1074802505680934E-3,1.4530201348785798E-3,5.1462863932636015E-2,0.64154300136328957]
["Slovenia",1611.5708079999999,1.1839684803660828E-2,-25.384414,17,310,2.4756491187670928,1.4807805356363495E-2,1.5726354742612504E-2,2.6655036835688813E-2,-5.9647354997496294E-2,0.14659864244906481,0.43459611852625357]
["Poland",13428.23101399,9.8652831068397243E-2,0.88695713899999995,416,6656,1.3227735368763427,2.4043204031653283E-2,2.5310655670369057E-2,1.6062840440947617E-2,0.95702764924240191,9.7690660210074887E-2,0.73444798318448135]
["Reconciliation",-12.805173759988065," ",3.2599999999725071E-3,"–","–","–","–","–",null,"–","–","–"]
["Segment CE",40787.142996056013,0.29964982904750254,-14.661542408000038,853,16724,1.1138117329845381,2.6802343503520499E-2,2.8545318814533874E-2,1.8244756694875582E-2,0.17937578619996963,0.11515540184561394,0.64029137200724373]
["Albania",2289.4832274300002,1.6820086118139291E-2,37.302198709000002,105,1388,0.4781872154205063,3.3329912677967422E-2,3.9068179101762718E-2,2.0827102494051744E-2,2.6657609491063106E-3,0.11618472890960717,0.72265643076631614]
["Bosnia and Herzegovina",1983.14684098,1.4569532657220286E-2,19.477241372999998,98,1561,0.82505568304511856,3.5260464486392785E-2,3.7174510031937003E-2,1.5695021062781377E-2,-7.27995860019649E-2,0.10747517713773763,0.5555876318648002]
["Bulgaria",3485.9323915969999,2.5610007676051209E-2,10.350492667999999,183,3119,1.3372365683535656,3.7519374577513143E-2,3.9189448546684824E-2,2.579113912647155E-2,-3.0636582540197854E-2,0.18181193259046827,0.50475872938121524]
["Croatia",5097.1194400240001,3.7446873123365948E-2,45.362565566000001,79,2066,1.1596876510067733,2.7809057423502582E-2,3.1761189996489997E-2,1.4108600730086981E-2,-7.9613039092938154E-2,0.12206340504911987,0.6186849655404546]
["Kosovo",628.928358,4.6205314006928554E-3,12.935788000000001,52,688,0.83348305801193434,5.8690339794071497E-2,5.9642676859842841E-2,1.0966070875000757E-2,-4.0622620372776641E-4,8.0585046185055548E-2,0.76981638266910335]
["Romania",5981.9346079500001,4.394732141005523E-2,86.104384096000004,527,5486,1.117556153418104,4.8677125087670373E-2,5.0836774091262471E-2,2.2933769937751564E-2,-4.5685337934153081E-2,9.9357589051490225E-2,0.69521236201525971]
["Serbia",1883.0775209139999,1.3834356019484805E-2,47.175504220999997,85,1769,1.0572457128163399,4.534989216470791E-2,4.7702726514531911E-2,1.2041695482391005E-2,-9.4947001053959146E-2,0.12466668548133823,0.75903145276534234]
["Reconciliation",-3.7585145570144505,-2.7612579890453065E-5,8.0500700000000052,"–","–","–",null,"–",null,"–","–","–"]
["Segment SEE",21345.863872337985,0.15682109582511916,266.758244633,1129,16077,1.0215861378274915,3.8725506712292856E-2,4.2104441189997392E-2,1.9275420627996833E-2,-5.3596343549858427E-2,0.12465360990002901,0.61975739028694588]
[]
["Segment Russia",15635.306598959996,0.11486749513043087,472.86308923000036,186,8155,1.0062057962118229,4.7464870213413196E-2,5.2866572277511889E-2,-1.7025132000222584E-3,6.5685171716285184E-2,5.0493144138459248E-2,0.99967306893992125]
["Belarus",1354.6681545460001,9.9523048467762623E-3,25.794355016000001,100,2190,0.99621585346746766,5.0269836474191212E-2,5.4632085531412349E-2,-2.2351266567552177E-2,0.12571422937366128,1.0932341917152285E-2,3.6356689854082656]
["Ukraine",4922.1413027190001,3.6161365851244347E-2,33.443050964999998,825,13849,1.4041748479209069,6.832234296017739E-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 CEE Other",6323.791123721001,4.645882966939717E-2,60.873049527999989,926,16050,1.3153791734372988,6.4933968212798829E-2,7.12006717167388E-2,1.8263747956025346E-2,-8.8481956580145793E-2,0.28239486983005591,0.70188943697728601]
["Segment Group corporates",18996.626218715999,0.13956201343810684,247.32631395399994,8,3078,1.9804420942669383,1.9130691885895116E-2,1.934398481266315E-2,5.5864312333395554E-3,"–",4.8041324000340238E-2,0.60599999999999998]
["Segment Group markets",20242.596512079996,0.14871575057142089,190.51820472299994,3,null,2.4320691735224682,7.0111726694193814E-3,8.4602241428713178E-3,3.7767409656651119E-3,"–",1.1527576201222215E-2,0.79781533925379022,"*"]
["Segment Corporate center",47341.359561035992,0.34780151923640523,-267.53322014500003,1,null,"–",1.1251317614825028E-2,"–",1.3787275161096166E-4,"–","–","–"]
["Reconciliation",-34556.663971409995,-0.25387653291838269,-204.15098608250213,"–",null,"–","–","–","–","–","–","–"]
["Total RBI Group",136116.02291149698,1,751.99315343249793,3106,60084,1.2571169064469676,2.3725181757648036E-2,2.6556933098486168E-2,1.2123724456918516E-2,2.1661129285079017E-2,9.8183699896627202E-2,0.67019572769684488]
["* including exposure to banks"]
[]
[]
[]
[]
["1/1-31/12\n2011","Total assets\nin € million","Share of \ntotal assets","Profit/loss after tax\nin € million","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-2,44673.125771999999,129,3012,1.0824837820918551,3.2567208888523103E-2,1.3908143892675499E-2,null,8.4552703234705984E-3,6.8247678766460387E-2,0.60442616252163806]
["Hungary",7320.3120872709997,4.9803122406853223E-2,-355119.32144500001,134,2977,1.2153609819770992,3.5784555362558951E-2,6.950744938073368E-2,null,-0.11388449656379007,0.22737297261818393,0.61679261862056389]
["Slovakia",9682.2952619999996,6.5872674602381262E-2,98184.484074000007,156,3805,0.92070638335951649,3.285488212840388E-2,2.5027262505812014E-3,null,0.10385853431204417,5.0992755736742688E-2,0.61560782511504153]
["Slovenia",1731.839326,1.1782421966921142E-2,-4771.0155569999997,17,323,2.8097819223844414,1.8453532084207528E-2,1.4962680065355463E-2,null,-1.0205396296666169E-2,6.7107351227397971E-2,0.56018035998974092]
["Poland",7368.0393068579988,5.0127830497286044E-2,82147.981868999996,116,3169,1.2260990849311657,2.6901737032524055E-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,-32723,552,13286,1.1208592086655287,3.162076447151399E-2,2.805803727272747E-2,null,6.5005920387770644E-3,9.7620944663874817E-2,0.60730856485733209]
["Albania",2329.5464831049999,1.5848871915211515E-2,49266.115494999998,105,1427,0.48468351837909435,4.1232398751450461E-2,8.0617412586321095E-3,null,0.25223663618002634,0.11094927774917357,0.72549494294681216]
["Bosnia and Herzegovina",2170.1511808309988,1.4764439495447175E-2,22677.666021000001,98,1569,0.81839931210362293,3.669963166213016E-2,9.8354458768764204E-3,null,6.131133412510037E-3,9.422370641865864E-2,0.54359066038921833]
["Bulgaria",3680.7574063319998,2.5041720827209027E-2,32962.801352000002,187,3271,1.3698647842456679,4.5090976007970116E-2,2.9683767429515024E-2,null,5.5935305877886643E-2,0.16139551582952119,0.48454661155283757]
["Croatia",5464.9739747189997,3.7180486920286901E-2,30567.234004000002,81,2083,1.2271597417861169,3.1245379007172069E-2,1.0289574147279637E-2,null,4.2166816958564279E-3,0.10281390065084725,0.54390332532691532]
["Kosovo",680.34296199999994,4.6286556380629243E-3,12536.8645,54,720,0.76887078646261742,5.6572133902827233E-2,5.5524233421302468E-3,null,0.10869590041003496,9.1801376057453199E-2,0.68717776949552078]
["Romania",6358.7098184489987,4.3260942930089481E-2,93388.29731200001,551,6030,1.1342912197418353,4.3006227699937713E-2,1.4172839843596505E-2,null,4.2690518831679514E-2,9.2558833795149745E-2,0.70577733009511878]
["Serbia",2206.8932445910009,1.5014411009926957E-2,50839.678060999999,85,1765,1.1313342639097022,4.8995546799154938E-2,7.7459993526661211E-3,null,-4.3588190293610718E-2,0.12557814877925919,0.59965951305155551]
["Reconciliation",-63.913724645993625,-4.3483160472861581E-4,12471.343255000014,"–","–","–",null,"–",null,"–","–","–"]
["Segment SEE",22827.461345381005,0.15530469713150538,304710,1161,16865,1.0534501319254439,4.0713216509335258E-2,1.5668293254196525E-2,null,3.6550999735273093E-2,0.11264406676722158,0.58582149261486982]
[]
["Segment Russia",14217.958378748996,9.673067392081075E-2,321579,191,8475,0.97349645386576233,4.4683582556600522E-2,-4.3199410076951543E-3,null,0.19353727854526048,5.7768818618632985E-2,1.0015914691783165]
["Belarus",1222.6145167880002,8.3179541678103739E-3,4369.4368709999999,101,2210,1.1560429820393083,4.8796402484750666E-2,1.3744788014892283E-2,null,-0.29588826196938411,2.0162938372104762E-2,3.4102786897916983]
["Ukraine",5466.6519368639974,3.7191902793422514E-2,59342.981387,909,15267,1.6145230605265637,6.4131737563204755E-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 CEE Other",6760.7767327929987,4.5996371080159644E-2,54013,1011,17488,1.5387499821170223,6.1029727644491563E-2,2.3107845410052265E-2,null,-4.3228986415449033E-2,0.29660470620067297,0.6822435658873055]
["Segment Group corporates",22842.659627063993,0.15540809735187955,297727,-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,-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,-40309.085582999985,0.63739513120167279,null,"–",7.9880818182188219E-3,"–",null,"–",0,0]
["Reconciliation",-34082.763970211978,-0.23187919391086401,-125548.25816299801,"–",null,"–","–","–",null,"–","–","–"]
["Total RBI Group",146985.002817086,1,974112.65625400201,2928,59261,1.2221665250088083,2.6061976594022932E-2,1.3824052536475196E-2,null,6.3051536056554225E-2,8.6490246233286383E-2,0.68393956247303833]

{"sheet":"CE-CZ","index":15,"n_rows":49,"n_cols":43,"rows_kept":49,"cut":false,"hidden":false,"merged":[[0,36,2,36],[0,11,2,11],[0,29,2,29],[48,0,48,3],[0,28,2,28],[47,0,47,1]]}
["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",227.98213367899999,232.01064256499998,-4.0285088859999973,-1.7363465923212473E-2,null,57.620513332999998,58.721450554999997,-1.1009372219999989,-1.8748467750619224E-2,null,null,57.620513332999998,58.721450554999997,57.730564799999996,53.909604990999995,54.788341958000004,56.460334628999988,61.019013334000007,59.742952643999999,59.992753495000017,63.969637744999986,67.068381209999998,65.821811906999997,64.687741419999966,70.022088825999973,71.069990510000011,72.715972908000012,null,null,232.01064256499998,256.85258435700001,278.49579366399996,281.48135435299997,244.868437,null,null,227.98213367899999,170.361620346,111.64016979099999,53.909604990999995,232.01064256499998,177.22230060699999]
["Net fee and commission income",105.26067298100001,125.127454583,-19.866781601999989,-0.15877236269376749,null,25.993332955,25.853862225,0.13947072999999932,5.3945800741961314E-3,null,null,25.993332955,25.853862225,26.255364062999998,27.158113738000001,29.075161602999998,30.410845713000001,34.287867233,31.353580034,33.18080212400001,30.763870937999986,31.082094653999999,29.709961848000003,31.093536893000021,32.777719615999992,32.504453355999992,30.127217076000001,null,null,125.127454583,124.736729564,126.502926941,110.035777293,91.694539000000006,null,null,105.26067298100001,79.267340025999999,53.413477800999999,27.158113738000001,125.127454583,96.052292980000004]
["Net trading income",-5.0098622580000001,14.836702507,-19.846564765,"–",null,-3.4430577999999996,-0.80541788399999992,-2.6376399159999995,3.2748713039503352,null,null,-3.4430577999999996,-0.80541788399999992,-1.2615613569999999,0.50017478299999996,4.4955766669999999,2.0034249679999991,7.8473208130000014,0.49038005900000003,0.18404251800000004,1.0731772049999995,1.1747894050000001,2.3569891790000002,2.9524224030000008,-5.8128742000000955E-2,2.1626983290000004,2.0228240780000002,null,null,14.836702507,4.788998307,7.0798160680000004,-2.5822845720000003,-3.1752060000000002,null,null,-5.0098622580000001,-1.566804458,-0.76138657399999998,0.50017478299999996,14.836702507,10.34112584]
["Sundry net operating income",-0.36717169099999991,13.986468251,-14.353639941999999,"–",null,-8.9307555070000006,2.7594130630000002,-11.690168570000001,"–",null,null,-8.9307555070000006,2.7594130630000002,3.0877493990000002,2.716421354,5.1039467659999991,3.9576766829999999,2.7506478489999999,2.174196953,3.7828761630000014,2.8082338079999993,4.8485630999999918E-2,1.779702989,7.9129632770000002,-0.15579266599999997,1.6498600290000001,0.96310743399999998,null,null,13.986468251,8.4192985910000004,10.370138074,3.1746899330000002,6.7093550000000004,null,null,-0.36717169099999991,8.5635838159999995,5.8041707530000002,2.716421354,13.986468251,8.8825214849999998]
["Operating income",327.86577271099998,385.96126790599999,-58.095495195000012,-0.15052156790289395,null,71.240032980999985,86.529307958999993,-15.289274978000009,-0.17669475624657138,null,null,71.240032980999985,86.529307958999993,85.812116904999996,84.284314866000003,93.463026993999989,92.832281992999995,105.90484922900001,93.761109690000012,97.140474300000022,98.614919695999959,99.373750900000005,99.668465922999999,106.64666399299999,102.58588703399997,107.38700222399999,105.82912149600001,null,null,385.96126790599999,394.79761081899994,422.44867474699998,392.10953700699997,340.09712500000001,null,null,327.86577271099998,256.62573972999996,170.096431771,84.284314866000003,385.96126790599999,292.49824091200003]
["Staff expenses",-98.079219855000005,-112.66781117399999,14.588591318999988,-0.12948322299853599,null,-23.365011892000002,-26.871520245000003,3.506508353000001,-0.1304916253724967,null,null,-23.365011892000002,-26.871520245000003,-22.298200628,-25.544487090000001,-21.141813035000002,-31.602822248999995,-28.619394907000004,-31.303780982999999,-30.042642119999996,-33.414388719000002,-29.034183053,-27.723422522,-31.383915361999993,-33.25666187600001,-31.099731211999998,-30.813763861000002,null,null,-112.66781117399999,-120.214636414,-126.554072311,-107.282179825,-96.201622,null,null,-98.079219855000005,-74.714207962999993,-47.842687718000001,-25.544487090000001,-112.66781117399999,-91.525998138999995]
["Other administrative expenses",-79.28211641,-84.790070421999999,5.507954011999999,-6.4959894296430232E-2,null,-22.412745727000001,-18.570117508000003,-3.8426282189999981,0.20692535829913816,null,null,-22.412745727000001,-18.570117508000003,-19.226963908999998,-19.072289265999999,-22.659513028000003,-19.501195047,-22.086216290999996,-20.543146056000001,-27.717491366999994,-20.483831105000007,-17.689516309999998,-21.267794885000001,-16.614277142000002,-23.971119877000003,-22.821757737000002,-21.727612754999999,null,null,-84.790070421999999,-87.158633667000004,-85.134767511000007,-76.538194602000004,-65.952406999999994,null,null,-79.28211641,-56.869370683,-38.299253174999997,-19.072289265999999,-84.790070421999999,-62.130557394]
["Depreciation on intangible and tangible fixed ass.",-23.742228576000002,-79.980990512999995,56.238761936999992,-0.70315160610394067,null,-6.654851227,-5.1789748049999993,-1.4758764220000007,0.28497462868039602,null,null,-6.654851227,-5.1789748049999993,-6.1493529149999997,-5.7590496289999997,-51.597811374000003,-15.924691572,-6.3360641180000004,-6.1224234490000002,-10.909870367999998,-6.2566629069999991,-6.1313609150000001,-6.0852358679999998,-7.2938440859999991,-6.2731162930000002,-5.4520117850000007,-6.3730283959999996,null,null,-79.980990512999995,-29.383130057999999,-25.39200056,-21.038585114,-16.078120999999999,null,null,-23.742228576000002,-17.087377349,-11.908402543999999,-5.7590496289999997,-79.980990512999995,-28.383179138999999]
["General administrative expenses",-201.10356484100001,-277.43887210899999,76.33530726799998,-0.27514279699785338,null,-52.432608846000001,-50.620612558000005,-1.811996287999996,3.579562151532345E-2,null,null,-52.432608846000001,-50.620612558000005,-47.674517451999989,-50.375825985000006,-95.399137437000022,-67.028708867999981,-57.041675315999996,-57.969350488000003,-68.670003855000004,-60.154882730999994,-52.855060277999996,-55.076453274999999,-55.292036590000009,-63.500898046000003,-59.373500734000004,-58.914405012000003,null,null,-277.43887210899999,-236.75640013899999,-237.08084038200002,-204.85895954099999,-178.23214999999999,null,null,-201.10356484100001,-148.67095599499999,-98.050343436999995,-50.375825985000006,-277.43887210899999,-182.03973467199998]
["Operating result",126.76220786999997,108.522395797,18.239812072999968,0.16807417435861827,null,18.807424134999984,35.908695400999989,-17.101271266000005,-0.47624317940338667,null,null,18.807424134999984,35.908695400999989,38.137599453000007,33.908488880999997,-1.9361104430000324,25.803573125000014,48.863173913000011,35.791759202000009,28.470470445000018,38.460036964999965,46.518690622000008,44.592012648000001,51.354627403000009,39.084988987999978,48.013501489999982,46.91471648400001,null,null,108.522395797,158.04121067999995,185.36783436499996,187.25057746599998,161.86497500000002,null,null,126.76220786999997,107.95478373499998,72.046088334000004,33.908488880999997,108.522395797,110.45850624000005]
["Net provisioning for impairment losses",-40.731413076999999,-51.749272130000001,11.017859053000002,-0.21290848353039438,null,-9.8317658059999999,-8.8102711889999998,-1.0214946170000001,0.11594360662534209,null,null,-9.8317658059999999,-8.8102711889999998,-12.249937913000002,-9.8394381689999992,-25.786541208999999,-6.5853391139999999,-12.418457954999997,-6.9589338520000004,-39.723385221000001,-14.887798397999997,-13.948770481,-6.3864290099999996,-21.571703934999995,-25.069870430000009,-16.963576613999997,-15.185353431999999,null,null,-51.749272130000001,-74.946383109999999,-78.790504411000001,-93.617161674000002,-72.089365999999998,null,null,-40.731413076999999,-30.899647271000003,-22.089376082000001,-9.8394381689999992,-51.749272130000001,-25.962730920999999]
["Other results",7.9211527039999998,-6.2205668309999993,14.141719535,"–",null,2.3451429779999997,0.9827050799999999,1.3624378979999998,1.386415849198622,null,null,2.3451429779999997,0.9827050799999999,1.0117215010000002,3.581582858,-3.670264487999999,-2.4867828540000003,-1.0747521630000001,1.0112326739999999,1.6478355829999982,6.6725623430000001,1.523018129,5.9918631490000003,-2.1326465319999999,10.717671823,0.98390379500000003,0.96774015000000002,null,null,-6.2205668309999993,15.900566866999998,10.536669236,-4.6351907529999989,5.9441679999999995,null,null,7.9211527039999998,5.5760097259999988,4.5933043590000002,3.581582858,-6.2205668309999993,-2.5503023430000002]
["Net income from derivatives",7.3467890899999997,-3.9262855779999999,11.273074668,"–",null,2.7960572969999999,0.95285313799999993,1.8432041589999999,1.9344052986683873,null,null,2.7960572969999999,0.95285313799999993,1.4319475480000001,2.1659308199999998,-3.7038818290000002,-2.8571966389999996,1.5032806970000001,1.1315121929999998,1.408159313000001,10.783351834999999,2.098781555,0,0,0,0,0,null,null,-3.9262855779999999,14.290292703,0,0,0,null,null,7.3467890899999997,4.5507317929999989,3.5978783679999999,2.1659308199999998,-3.9262855779999999,-0.22240374899999998]
["Net income from financial investments",-2.7809107999999999E-2,-2.2935664889999998,2.2657573809999998,-0.9878751681569411,null,-0.44974958500000001,3.0885955999999999E-2,-0.480635541,"–",null,null,-0.44974958500000001,3.0885955999999999E-2,-0.41993254600000002,0.81098706700000001,3.3609918000000238E-2,0.37041280600000004,-2.5773096940000002,-0.120279519,0.24023728700000024,-4.072253121000001,0.93862614300000002,6.0571508120000006,-2.1326465319999999,10.717671823,0.98390379500000003,0.96774015000000002,null,null,-2.2935664889999998,3.1637611209999998,10.536669236,-4.6351907529999989,5.9441679999999995,null,null,-2.7809107999999999E-2,0.42194047700000004,0.39105452099999999,0.81098706700000001,-2.2935664889999998,-2.3271764070000001]
["Net income from disposal from group assets",0.60217272199999994,-7.14764E-4,0.60288748599999997,"–",null,-1.164734E-3,-1.034014E-3,-1.3071999999999997E-4,0.12641995176080778,null,null,-1.164734E-3,-1.034014E-3,-2.9350100000002932E-4,0.60466497100000005,7.4229999999999999E-6,9.7900000000001892E-7,-7.2316600000000002E-4,0,-5.6101700000010801E-4,-3.8536370999999958E-2,-1.514389569,-6.5287662999999996E-2,0,0,0,0,null,null,-7.14764E-4,-1.5534869570000001,0,0,0,null,null,0.60217272199999994,0.60333745599999999,0.60437147000000002,0.60466497100000005,-7.14764E-4,-7.22187E-4]
["Bank levy",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",93.951947496999992,50.552556836000001,43.399390660999991,0.85850040783879744,null,11.320801307,28.081129292,-16.760327985,-0.59685377360428415,null,null,11.320801307,28.081129292,26.954602017000003,27.595414881,-31.392916140000004,16.731451157000009,35.369963794999997,29.844058023999999,-9.5079651699999914,30.232082984999984,34.008542171999999,44.262734450000004,27.650276936000012,24.732790380999987,32.033828671000002,32.697103202000001,null,null,50.552556836000001,98.995394437000002,117.11399919,88.998225039000005,95.719779000000003,null,null,93.951947496999992,82.631146189999995,54.550016898000003,27.595414881,50.552556836000001,81.945472976000005]
["Income taxes",-19.757779611,-7.8127119379999996,-11.945067673,1.5289271853094659,null,-4.0729417149999998,-5.1456339440000001,1.0726922290000003,-0.20846648647652044,null,null,-4.0729417149999998,-5.1456339440000001,-4.8938457169999996,-5.6453582349999998,9.3793405050000018,-4.4386776670000021,-6.2821606639999992,-6.4712141120000002,2.7339383279999971,-6.5956508959999987,-7.468363471,-9.8382154970000002,-5.936283164999999,-5.7723878179999986,-7.1823124690000011,-7.1796022829999995,null,null,-7.8127119379999996,-21.168291536000002,-26.070585734999998,-20.021837346999998,-20.909416,null,null,-19.757779611,-15.684837895999999,-10.539203951999999,-5.6453582349999998,-7.8127119379999996,-17.192052443000001]
["Profit/loss after tax",74.194167886000002,42.739844898000001,31.454322988000001,0.73594845893958527,null,7.2478595920000002,22.935495348,-15.687635755999999,-0.68398940236396411,null,null,7.2478595920000002,22.935495348,22.060756300000001,21.950056646,-22.013575634999995,12.292773489999995,29.087803131000001,23.372843912,-6.7740268419999943,23.636432088999996,26.540178700999999,34.424518953000003,21.713993770999991,18.960402563000002,24.851516201999999,25.517500919,null,null,42.739844898000001,77.827102901000003,91.043413454999992,68.976387692000003,74.810362999999995,null,null,74.194167886000002,66.946308294000005,44.010812946000001,21.950056646,42.739844898000001,64.753420532999996]
[]
[]
["Total assets",8793.5046962289998,7986.5909571989996,806.91373903000022,0.10103356279973985,null,8793.5046962289998,8218.257160909001,575.24753531999886,6.999629289482745E-2,null,null,8793.5046962289998,8218.257160909001,7900.0389649640001,7791.3378483340002,7986.5909571989996,8273.5813550349994,8264.6898343299999,8510.3044709389997,8937.9743373639994,9053.8755199469997,8889.5999358930003,8988.2394406029944,8789.3345877070024,8988.0945775689925,8713.9176289020015,8357.7710186610002,null,null,7986.5909571989996,8937.9743373639994,8789.3345877070024,7907.9687120279987,7738.5560379999997,null,null,8793.5046962289998,8218.257160909001,7900.0389649640001,7791.3378483340002,7986.5909571989996,8273.5813550349994]
["Loans and advances to customers",6335.2608657649998,5982.6688162029996,352.59204956200028,5.8935578818447576E-2,null,6335.2608657649998,6200.7725855259996,134.48828023900023,2.1688955429993717E-2,null,null,6335.2608657649998,6200.7725855259996,6125.8678380150004,5959.3492200649998,5982.6688162029996,6289.4967048600001,6196.2799707490003,6353.4097981750001,6380.4935612489999,6368.3696736800002,6288.9668080720003,6770.5991737999984,6537.6481085430005,6798.8052017849986,6918.5187127139998,6831.298235667,null,null,5982.6688162029996,6380.4935612489999,6537.6481085430005,6482.833994655999,5719.2248239999999,null,null,6335.2608657649998,6200.7725855259996,6125.8678380150004,5959.3492200649998,5982.6688162029996,6289.4967048600001]
["  Hereof corporate %",0.44367173910534646,0.43969622922478246,0.39755098805639988,9.0414918671763989E-3,null,0.44367173910534646,0.43649250358218145,0.71792355231650173,1.6447557436260363E-2,null,null,0.44367173910534646,0.43649250358218145,0.43671100977037053,0.43039046714666318,0.43969622922478246,0.43364342172354958,0.4394749753077653,0.45312422777689459,0.44009962238033606,0.4360261731023794,0.42912246160617473,0.43240383901040363,0.4225238189636395,0.43279914632056665,0.43374138309080312,0.43418015141485555,null,null,0.43969622922478246,0.44009962238033606,0.4225238189636395,0.42346356547152064,0.42299999999999999,null,null,0.44367173910534646,0.43649250358218145,0.43671100977037053,0.43039046714666318,0.43969622922478246,0.43364342172354958]
["  Hereof retail % ",0.5503624567129759,0.55573791563598118,-0.53754589230052829,-9.6726510316533787E-3,null,0.5503624567129759,0.55770086473936531,-0.73384080263894091,-1.3158322840002956E-2,null,null,0.5503624567129759,0.55770086473936531,0.5574276167883474,0.56371979556827434,0.55573791563598118,0.56196481213044536,0.559688555068525,0.54568349909733516,0.55831993572911442,0.56178190023506802,0.56842960060054382,0.56679372091007019,0.57644492331186992,0.5658366433512948,0.56458239111578645,0.5637458649878837,null,null,0.55573791563598118,0.55831993572911442,0.57644492331186992,0.57416093023514103,0.57699999999999996,null,null,0.5503624567129759,0.55770086473936531,0.5574276167883474,0.56371979556827434,0.55573791563598118,0.56196481213044536]
["  Hereof FCY % ",0.12815868738847247,0.1169198933602253,1.1238794028247165,9.6123881960967106E-2,null,0.12815868738847247,0.12523073456339776,0.29279528250747144,2.3380465149251739E-2,null,null,0.12815868738847247,0.12523073456339776,0.11873027940408189,0.1135652526825099,0.1169198933602253,9.4405487094251811E-2,9.680905363084974E-2,8.7276284328342738E-2,7.0849221249195862E-2,6.8218715662113114E-2,6.957979161829124E-2,6.515464712592231E-2,6.8981228801637914E-2,6.6331507759863212E-2,6.9755538727260813E-2,6.9634348199929502E-2,null,null,0.1169198933602253,7.0849221249195862E-2,6.8981228801637914E-2,7.1317575057624663E-2,7.4999999999999997E-2,null,null,0.12815868738847247,0.12523073456339776,0.11873027940408189,0.1135652526825099,0.1169198933602253,9.4405487094251811E-2]
["Deposits from customers",6378.1824297090006,5756.5820111200001,621.60041858900058,0.10798081524561876,null,6378.1824297090006,6123.2617121439998,254.92071756500081,4.163152410412696E-2,null,null,6378.1824297090006,6123.2617121439998,5700.0053942750001,5666.0974274829996,5756.5820111200001,5804.4147237070001,5752.3458605730002,5949.6691831779999,6319.1187385399999,6316.5566989360004,6135.1549486329995,6151.2435798240022,6039.4882738189999,6003.8242463849992,5575.5487651259991,5141.3850980310008,null,null,5756.5820111200001,6319.1187385399999,6039.4882738189999,5034.9395626660016,4939.6882050000004,null,null,6378.1824297090006,6123.2617121439998,5700.0053942750001,5666.0974274829996,5756.5820111200001,5804.4147237070001]
["Loan/deposit ratio (net)*",0.95390596476723633,1.0017894820026636,-4.7883517235427275,-4.7797983604004335E-2,null,0.95390596476723633,0.97156677993417984,-1.7660815166943511,-1.8177664707864971E-2,null,null,0.95390596476723633,0.97156677993417984,1.0299254247494791,1.0083282017670778,1.0017894820026636,1.0834018129641549,1.0833693518371064,1.067854604107813,1.0097074980305196,1.0081997702565899,1.0250468737506362,1.1006637652924343,1.0824837820918551,1.1324124296074574,1.2408677610333216,1.3286883019681186,null,null,1.0017894820026636,1.0097125604452846,1.0824837820918551,1.287569376746071,1.1578108954753348,null,null,0.95390596476723633,0.97156677993417984,1.0299254247494791,1.0083282017670778,1.0017894820026636,1.0834018129641549]
[]
["Equity",844.50424699000018,705.18967131600004,139.31457567400014,0.19755617721118379,null,844.50424699000018,774.65807670200002,69.846170288000167,9.0163870214018393E-2,null,null,844.50424699000018,774.65807670200002,752.94367185199997,726.33167919100003,705.18967131600004,776.97438687399995,759.67706795100003,743.62656581500005,737.30990148299986,744.46347942199986,706.89868285999989,704.68183684399992,643.0750978960001,647.64185239999995,639.55537793299993,609.63087039700008,null,null,705.18967131600004,737.30990148299998,643.07509789599987,572.03469144600001,517.51406199999997,null,null,844.50424699000018,774.65807670200002,752.94367185199997,726.33167919100003,705.18967131600004,776.97438687399995]
["Return on equity before tax",0.13165599921091189,7.6482803858479567E-2,5.5173195352432325,0.72138039623288908,null,5.9749475633851391E-2,0.15736279931925654,-9.7613323685405149,-0.62030749394186824,null,null,5.9749475633851391E-2,0.15736279931925654,0.15257525410382361,0.16151466167645667,"–",9.4299058527278032E-2,0.19822460860917943,0.17304207045855,"–",0.18521775365627743,0.20670880952930082,0.28970388748030174,0.19569457843011537,0.1694753983000622,0.21841872349587821,0.22624855280814665,null,null,7.6482803858479567E-2,0.16342420305200858,0.20837559365226174,0.1900898725834981,0.21417977641926927,null,null,0.13165599921091189,0.15796595776256092,0.15910953953779033,0.16151466167645667,7.6482803858479567E-2,0.1593064529363597]
["Return on equity after tax",0.10396918391676117,6.4662667506220309E-2,3.9306516410540864,0.6078703203322029,null,3.8253105795789236E-2,0.12852737203710982,-9.0274266241320582,-0.70237385866145008,null,null,3.8253105795789236E-2,0.12852737203710982,0.12487387111381469,0.12847264620756724,"–",6.9282512073742225E-2,0.16301736762756955,0.13552062188675887,"–",0.14480930269164299,0.16131502245031354,0.22531181340793613,0.1536805894163574,0.12992152227038872,0.16944700870838891,0.17656908682513389,null,null,6.4662667506220309E-2,0.12847903015868856,0.16198939032075876,0.14732555331183908,0.16739347905498583,null,null,0.10396918391676117,0.12798125399365692,0.12836916614738242,0.12847264620756724,6.4662667506220309E-2,0.12588416865480651]
["Cost/income ratio**",0.61337163430677588,0.71882568324594065,-10.545404893916476,-0.14670322916534473,null,0.73599922195409395,0.58501118004994856,15.098804190414539,0.25809428443957927,null,null,0.73599922195409395,0.58501118004994856,0.55556859766994215,0.59768921495168303,1.0207152550614942,0.72204094770668537,0.53861249726778548,0.618266471884373,0.70691443859874159,0.609997786505727,0.53188150592391492,0.55259657871678225,0.51846006728939253,0.61900228074212538,0.55289280363886151,0.55669369809733105,null,null,0.71882568324594065,0.59969055954480943,0.56120625901829424,0.5224533968357491,0.5240625012634258,null,null,0.61337163430677588,0.57932986827985022,0.57643974312762003,0.59768921495168303,0.71882568324594065,0.62236181012373271]
["Net interest margin (avg. interest bearing assets)",2.9768426744883253E-2,3.0000355571333282E-2,-2.3192882645002924E-2,-7.7308692524846734E-3,null,2.8531169616881482E-2,3.1082205013877099E-2,-0.25510353969956168,-8.2073823136314505E-2,null,null,2.8531169616881482E-2,3.1082205013877099E-2,3.108857224272614E-2,2.8901311810723251E-2,2.90229989427679E-2,2.9348227949759827E-2,3.2016251177773646E-2,3.0016441623204007E-2,2.9967008328671829E-2,3.185635283367709E-2,3.2220651641992275E-2,3.1402261704894935E-2,3.0552225409103826E-2,null,null,null,null,null,3.0000355571333282E-2,3.1355149561497132E-2,3.3967049216929827E-2,null,null,null,null,2.9768426744883253E-2,3.0280639800526424E-2,2.9926613072809631E-2,2.8901311810723251E-2,3.0000355571333282E-2,3.030288842192182E-2]
["Provisioning ratio (avg. loans and advances to customers)",6.685097144706385E-3,8.3715267259419964E-3,-0.16864295812356114,-0.20144827060154291,null,6.2742435040247886E-3,5.7178734099678566E-3,5.5637009405693202E-2,9.7303674664609208E-2,null,null,6.2742435040247886E-3,5.7178734099678566E-3,8.1090395673513345E-3,6.5914743314689694E-3,1.6809774062934185E-2,4.2194181652244209E-3,7.9163441861334529E-3,4.3719093230591491E-3,2.4926699417194727E-2,9.4097512028465946E-3,8.5447069223355872E-3,3.8390804586105522E-3,1.3899999999999999E-2,1.4620852047388949E-2,9.8698486984569837E-3,9.1243518807273289E-3,null,null,8.3715267259419964E-3,1.1603276233648357E-2,1.3899999999999999E-2,1.5344486215861645E-2,null,null,null,6.685097144706385E-3,6.8131143250116889E-3,7.2971249004908229E-3,6.5914743314689694E-3,8.3715267259419964E-3,5.4644042867073687E-3]
[]
["NPL ratio",6.0139725398877082E-2,6.7895480007164971E-2,-0.77557546082878892,-0.11423079426597216,null,6.0139725398877082E-2,6.138851598727188E-2,-0.12487905883947978,-2.0342413695970785E-2,null,null,6.0139725398877082E-2,6.138851598727188E-2,6.3567045567568203E-2,6.5363779603396246E-2,6.7895480007164971E-2,6.5635064357536521E-2,6.7855122103073165E-2,6.7058390617646221E-2,6.8342613594713844E-2,6.5576148433399567E-2,6.6347772334311036E-2,6.4331626318315932E-2,6.8247678766460387E-2,6.8285844677254431E-2,5.8034190940634917E-2,5.9505045191368115E-2,null,null,6.7895480007164971E-2,6.8342613594713844E-2,6.8247678766460387E-2,null,null,null,null,6.0139725398877082E-2,6.1388515987271866E-2,6.3567045567568203E-2,6.5363779603396246E-2,6.7895480007164971E-2,6.5635064357536521E-2]
["NPL coverage ratio",0.6518801860152742,0.61213261883012682,3.9747567185147381,6.4932934404166698E-2,null,0.6518801860152742,0.65380469115772544,-0.19245051424512383,-2.9435474668182415E-3,null,null,0.6518801860152742,0.65380469115772544,0.6484934433019216,0.6316639610960193,0.61213261883012682,0.62746671971880352,0.62604643841343321,0.62441791735173191,0.60244312408978318,0.5919790516440987,0.59425480356756311,0.61504573991820832,0.60442616252163806,0.56923574403940858,0.6399650605444982,0.59837657740979033,null,null,0.61213261883012682,0.60244312408978318,0.60442616252163806,null,null,null,null,0.6518801860152742,0.65380469115772544,0.6484934433019216,0.6316639610960193,0.61213261883012682,0.62746671971880352]
[]
["Number of employees",2720,2773,-53,-1.9112874143526914E-2,null,2720,2727,-7,-2.5669233590025486E-3,null,null,2720,2727,2732,2749,2773,2832,2994,3037,3066,3044,3001,3018,3012,3171,3092,2988,null,null,2773,3066,3012,2894,2638,null,null,2720,2727,2732,2749,2773,2832]
["Business outlets",127,129,-2,-1.5503875968992276E-2,null,127,128,-1,-7.8125E-3,null,null,127,128,130,130,129,130,132,129,132,132,131,130,129,128,121,114,null,null,129,132,129,112,111,null,null,127,128,130,130,129,130]
["Number of customers ",481804,486909,-5105,-1.0484505318242188E-2,null,481804,482818,-1014,-2.1001702504878095E-3,null,null,481804,482818,476258,469111,486909,483302,481500,484650,486261,487292,485652,478474,470666,435751,433505,432215,null,null,486909,486261,470666,423371,407878,null,null,481804,482818,476258,469111,486909,483302]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",153.766106702,196.410674271,-42.644567569000003,-0.21711939907176658,null,35.403435062,36.332029218999999,-0.92859415699999914,-2.5558554723235427E-2,null,null,35.403435062,36.332029218999999,39.178911904999993,42.851730516000003,47.727852350999996,47.758893235000002,54.076975598000004,46.846953087000003,61.884978587000006,56.914423284999998,63.838786597999999,56.642703174000005,61.435932914999981,76.089920298000024,76.196342443000006,84.037661413999999,null,null,196.410674271,239.28089164400001,297.75985707000001,339.84050607200004,337.43532299999998,null,null,153.766106702,118.36267164,82.030642420999996,42.851730516000003,196.410674271,148.68282192000001]
["Net fee and commission income",123.01202738500001,118.263901214,4.7481261710000098,4.014856707972303E-2,null,31.686192861000002,31.434650886999997,0.25154197400000555,8.0020603665755807E-3,null,null,31.686192861000002,31.434650886999997,27.949406975999999,31.941776660999999,33.893397502000006,29.907887919000004,28.802551268999999,25.660064523999999,19.662973567999991,19.791215497000003,19.018141226000001,18.638115499000001,21.896729089000011,23.426123875999998,22.395699473999997,22.277471114000001,null,null,118.263901214,77.11044579,89.996023553000001,99.464154344999997,107.000321,null,null,123.01202738500001,91.325834524000001,59.891183636999997,31.941776660999999,118.263901214,84.370503712000001]
["Net trading income",14.890733087999999,0.95556791799999996,13.935165169999999,">500,0%",null,7.0245274519999992,1.2375162770000001,5.7870111749999991,4.6763111585319361,null,null,7.0245274519999992,1.2375162770000001,1.3072205810000002,5.3214687779999998,16.592574284999998,2.4971892349999987,-14.496046568999999,-3.6381490329999999,-16.759463341999997,-26.337935280000004,-16.137037601999999,-2.8033134019999997,28.074320204000003,-2.4686646069999991,8.5336314560000002,4.0512458139999996,null,null,0.95556791799999996,-62.037749626,38.190532867000002,23.873230828000001,34.735644000000001,null,null,14.890733087999999,7.8662056360000001,6.628689359,5.3214687779999998,0.95556791799999996,-15.637006367]
["Sundry net operating income",-59.921192424000026,-47.765432904000008,-12.155759520000018,0.25448862872091893,null,-28.074912341000001,-12.877310342999976,-15.197601998000025,1.1801844945253914,null,null,-28.074912341000001,-12.877310342999976,-2.9454751280000053,-16.023494612,-15.830620204000006,-12.265210599,-9.709134492000004,-9.9604676090000002,-4.260690646999997,-1.5754435030000025,-5.6146758640000023,-0.33071354299999811,-18.977308329000003,-13.038272563,-5.1424729249999981,-4.9879536950000016,null,null,-47.765432904000008,-11.781523556999996,-42.146007512000004,-14.520365837,-13.856942999999999,null,null,-59.921192424000026,-31.846280083000011,-18.968969740000006,-16.023494612,-47.765432904000008,-31.934812700000002]
["Operating income",231.74767475099998,267.86471049899995,-36.117035747999978,-0.13483312408237069,null,46.039243033999995,56.126886040000016,-10.087643006000022,-0.17972924774075028,null,null,46.039243033999995,56.126886040000016,65.490064333999982,64.091481342999998,82.383203933999994,67.89875979,58.674345805999998,58.908400968999999,60.527798166000004,48.792259998999995,61.105214357999998,72.146791727999997,92.429673878999992,84.009107004000001,101.98320044800001,105.378424647,null,null,267.86471049899995,242.572064251,383.80040597800001,448.65752540799997,465.31434499999995,null,null,231.74767475099998,185.70843171699997,129.58154567699998,64.091481342999998,267.86471049899995,185.48150656499999]
["Staff expenses",-71.990113149999999,-83.690166031000004,11.700052881000005,-0.1398020034595957,null,-16.448970883000001,-17.656725250999997,1.2077543679999962,-6.8401946047815132E-2,null,null,-16.448970883000001,-17.656725250999997,-18.444111008,-19.440306008,-21.60963188700001,-21.128496166999991,-20.033096062000002,-20.918941915000001,-19.113810710999999,-21.959917735999994,-22.34787626,-21.879791507,-25.466343722000001,-25.008320470000005,-19.643911376999998,-28.911687261999997,null,null,-83.690166031000004,-85.301396213999993,-99.030262831000002,-110.451515297,-96.365185999999994,null,null,-71.990113149999999,-55.541142266999998,-37.884417016,-19.440306008,-83.690166031000004,-62.080534143999998]
["Other administrative expenses",-78.473829171000006,-81.061602694000001,2.5877735229999956,-3.1923542552799056E-2,null,-21.696412999000003,-18.824561122000002,-2.871851877000001,0.15255876927955092,null,null,-21.696412999000003,-18.824561122000002,-19.987647746999997,-17.965207303,-20.990602315000004,-19.320743973999996,-19.812157976000002,-20.938098429,-21.840771583000013,-21.623028622,-21.269883281999999,-20.895464998000001,-21.278392814000014,-25.883225491999994,-25.613686211000001,-22.755969559999997,null,null,-81.061602694000001,-85.629148485000002,-95.531274077000006,-98.511515681999995,-112.86975099999999,null,null,-78.473829171000006,-56.777416171999995,-37.952855049999997,-17.965207303,-81.061602694000001,-60.071000378999997]
["Depreciation on intangible and tangible fixed ass.",-37.970291097999997,-20.377751579000002,-17.592539518999995,0.86332093365637719,null,-18.938582009000001,-6.3492267589999996,-12.589355250000001,1.9828170780252332,null,null,-18.938582009000001,-6.3492267589999996,-8.5817642650000003,-4.1007180649999997,-5.7921577740000014,-4.743017634000001,-5.1519540549999991,-4.6906221160000001,-11.870475958999997,-4.8915874380000011,-4.8381082729999996,-4.8954294389999999,-5.169611092000002,-5.7628300029999995,-5.7443888009999995,-5.5987577210000001,null,null,-20.377751579000002,-26.495601108999999,-22.275587616999999,-22.368974384000001,-23.095976,null,null,-37.970291097999997,-19.031709089000003,-12.682482329999999,-4.1007180649999997,-20.377751579000002,-14.585593805]
["General administrative expenses",-188.43423341899998,-185.12952030400001,-3.30471311499997,1.785081660436072E-2,null,-57.083965891000005,-42.830513132,-14.253452759000005,0.3327873452057899,null,null,-57.083965891000005,-42.830513132,-47.013523019999994,-41.506231376000002,-48.392391976000027,-45.192257774999973,-44.997208093000012,-46.547662459999998,-52.825058252999995,-48.474533795999989,-48.455867815000005,-47.670685943999999,-51.914347628000002,-56.654375965000014,-51.001986388999995,-57.266414542999996,null,null,-185.12952030400001,-197.426145808,-216.83712452500001,-231.33200536300001,-232.33091299999998,null,null,-188.43423341899998,-131.35026752799999,-88.519754395999996,-41.506231376000002,-185.12952030400001,-136.73712832799998]
["Operating result",43.313441331999996,82.735190194999944,-39.421748862999948,-0.47648103267891417,null,-11.044722857000011,13.296372908000016,-24.341095765000027,"–",null,null,-11.044722857000011,13.296372908000016,18.476541313999988,22.585249966999996,33.990811957999966,22.706502015000027,13.677137712999993,12.36073850900001,7.7027399129999932,0.31772620299999765,12.649346542999998,24.476105784000001,40.515326250999998,27.354731039000001,50.981214059000003,48.112010103999999,null,null,82.735190194999944,45.145918442999999,166.96328145300001,217.32552004499999,232.98343199999997,null,null,43.313441331999996,54.358164188999979,41.061791280999984,22.585249966999996,82.735190194999944,48.744378237000006]
["Net provisioning for impairment losses",-128.138575092,-152.26677786100001,24.128202769000012,-0.15846006008629121,null,-86.93836929199999,-3.0943759550000003,-83.843993336999986,">500,0%",null,null,-86.93836929199999,-3.0943759550000003,-19.871457809000002,-18.234372036,-54.837055562000003,-24.635311920000007,-37.287378488000002,-35.507031890999997,-94.019813927000001,-38.819004391,-62.005976210999997,-46.34427926,-104.25642134600002,-257.91080628599997,-68.020789343000004,-47.378987593000005,null,null,-152.26677786100001,-241.18907378899999,-477.56700456800002,-195.55475383500001,-271.61534799999998,null,null,-128.138575092,-41.200205799999999,-38.105829845000002,-18.234372036,-152.26677786100001,-97.429722299000005]
["Other results",-304.54136575899997,-40.688060829999998,-12.545573929,">500,0%",null,3.8097018420000026,-208.644022761,212.45372460300001,"–",null,null,3.8097018420000026,-208.644022761,-64.675161803999998,-35.031883035999996,-11.752750675999998,5.3434407780000015,-41.748524816,7.4697738840000003,17.381639546999995,21.468395372000003,-2.5861832479999975,-1.9511218500000016,-11.722594699999995,-17.781915206000001,-20.152460566999999,-14.285948255999999,null,null,-40.688060829999998,34.312729821000005,-63.942918728999992,-49.607510719999993,13.794176,null,null,-304.54136575899997,-308.35106760100001,-99.707044839999995,-35.031883035999996,-40.688060829999998,-28.935310154]
["Net income from derivatives",-0.14732838399999998,-0.14860142900000017,1.2730450000001947E-3,-8.566842247527684E-3,null,-0.44206604799999999,-0.44471214600000003,2.6460980000000411E-3,-5.9501365631692282E-3,null,null,-0.44206604799999999,-0.44471214600000003,-1.1283355909999999,1.8677854009999999,-2.8877843210000007,0.24786980100000111,1.5315364379999994,0.95977665300000004,-1.0577800499999999,0.87240676599999989,0.39457540400000002,0,0,0,0,0,null,null,-0.14860142900000017,0.20920211999999999,0,0,0,null,null,-0.14732838399999998,0.29473766400000001,0.73944980999999999,1.8677854009999999,-0.14860142900000017,2.7391828920000005]
["Net income from financial investments",7.3515782410000003,18.779415691000001,-11.42783745,-0.60852997974142342,null,0.53164884000000001,1.3390842359999999,-0.80743539599999992,-0.60297580562362763,null,null,0.53164884000000001,1.3390842359999999,3.7930762079999996,1.6877689570000001,-8.6829546029999989,5.673423317000001,5.3291827459999972,16.459764231000001,11.068821882000002,18.202275491000002,7.2743899430000001,8.1293490760000005,-28.243375122999996,-13.034798026000001,-8.8559921149999994,-3.4139948790000001,null,null,18.779415691000001,44.674836392000003,-53.548160142999997,-8.1685207200000001,13.794176,null,null,7.3515782410000003,6.8199294009999996,5.4808451649999999,1.6877689570000001,18.779415691000001,27.462370293999999]
["Net income from disposal from group assets",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,13.69018524,0,0,0,0,0,0,0,null,null,0,13.69018524,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy ",-60.437884615999998,-59.318875091999999,-1.1190095239999991,1.8864307899711275E-2,null,-16.486921949999999,-5.1551248510000001,-11.331797098999999,2.1981615240224177,null,null,-16.486921949999999,-5.1551248510000001,-0.20840042100000034,-38.587437393999998,-0.18201175199999586,-0.57785234000000496,-48.609243999999997,-9.9497669999999996,-6.3195875250000029,2.3937131150000024,-10.255148594999998,-10.080470926000002,16.520780423000005,-4.7471171800000009,-11.296468452000001,-10.871953376999999,null,null,-59.318875091999999,-24.261493931,-10.394758585999996,-41.438989999999997,0,null,null,-60.437884615999998,-43.950962666000002,-38.795837814999999,-38.587437393999998,-59.318875091999999,-59.136863339999998]
["Operating result - Special effects",-251.30773099999999,0,-251.30773099999999,"–",null,20.207041,-204.50327000000001,224.71031100000002,"–",null,null,20.207041,-204.50327000000001,-67.011501999999993,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0,0,0,null,null,-251.30773099999999,-271.51477199999999,-67.131501999999998,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",-389.366499519,-110.219648496,-279.14685102300001,2.5326414557848147,null,-94.173390306999991,-198.44202580800001,104.26863550100002,-0.52543625815372286,null,null,-94.173390306999991,-198.44202580800001,-66.070078299000002,-30.681005105000001,-32.598994279999992,3.4146308729999859,-65.358765590999994,-15.676519497999999,-68.935434466999993,-17.03288281599999,-51.942812916000001,-23.819295326000002,-75.463689794999937,-248.33799045300003,-37.192035851,-13.552925745,null,null,-110.219648496,-161.73042552499999,-374.54664184399996,-27.836744510000003,-24.837738999999999,null,null,-389.366499519,-295.19310921200002,-96.751083403999999,-30.681005105000001,-110.219648496,-77.620654216000005]
["Income taxes",-8.7968927320000017,-5.5871843810000001,-3.2097083510000015,0.57447689786559808,null,-2.6033437579999998,-3.3956761370000001,0.79233237900000031,-0.23333567367234476,null,null,-2.6033437579999998,-3.3956761370000001,-0.5843287909999999,-2.213544046,-2.6824892950000003,-1.2782411569999996,2.6865210790000003,-4.3129750080000004,-8.1133372350000013,2.6393466970000001,-6.6894474800000001,0.143953095,6.8041822559999989,3.4570989489999988,6.5923947199999997,2.573644474,null,null,-5.5871843810000001,-12.019484923,19.427320398999999,7.5443964729999999,7.6860359999999996,null,null,-8.7968927320000017,-6.1935489740000005,-2.7978728369999999,-2.213544046,-5.5871843810000001,-2.9046950859999998]
["Profit/loss after tax",-398.163392251,-115.80683287700001,-282.35655937399997,2.4381683909264207,null,-96.776734064999999,-201.83770194499999,105.06096787999999,-0.52052201777757412,null,null,-96.776734064999999,-201.83770194499999,-66.654407090000007,-32.894549151,-35.28148357500001,2.1363897160000107,-62.672244512000006,-19.989494506,-77.04877170200001,-14.393536119,-58.632260396,-23.675342230999998,-68.659507538999947,-244.88089150400003,-30.599641131000006,-10.979281271,null,null,-115.80683287700001,-173.74991044800001,-355.11932144499997,-20.292348037,-17.151703000000001,null,null,-398.163392251,-301.38665818599998,-99.548956240999999,-32.894549151,-115.80683287700001,-80.525349301999995]
[]
[]
["Total assets",6935.7502507930003,6230.0949151269997,705.65533566600061,0.11326558347492144,null,6935.7502507930003,6428.4322718189987,507.31797897400156,7.8917838365970772E-2,null,null,6935.7502507930003,6428.4322718189987,6069.0918542460004,6241.2911861209996,6230.0949151269997,6270.4685827530002,6324.3101223060003,6801.9615390440003,7155.2684654619998,7400.8959540440001,7392.2619414970004,7638.9080339219981,7320.3120872709997,8290.2917147840017,8857.1650578559984,8602.5606963750033,null,null,6230.0949151269997,7155.2684654619998,7320.3120872709997,8534.1914518949998,8778.1359969999994,null,null,6935.7502507930003,6428.4322718189987,6069.0918542460004,6241.2911861209996,6230.0949151269997,6270.4685827530002]
["Loans and advances to customers",4713.8159895299987,4990.1394139450003,-276.32342441500168,-5.5373888681909955E-2,null,4713.8159895299987,4852.6904118880011,-138.87442235800245,-2.8618026408153141E-2,null,null,4713.8159895299987,4852.6904118880011,4950.7054548260003,4894.1616570380002,4990.1394139450003,5161.1884865410002,5324.4696600500001,5120.531845339,5231.1128164379998,5434.2012502999996,5493.2274137220002,5529.8001238939987,5564.0006612589996,5918.6485079110007,6184.8051145330019,6041.1438046550011,null,null,4990.1394139450003,5231.1128164379998,5564.0006612589996,6279.0918787479986,6452.1911829999999,null,null,4713.8159895299987,4852.6904118880011,4950.7054548260003,4894.1616570380002,4990.1394139450003,5161.1884865410002]
["  Hereof corporate %",0.54464914937334785,0.52485411729011955,1.9795032083228303,3.7715303035884107E-2,null,0.54464914937334785,0.5373327594960905,0.73163898772573566,1.361612473454743E-2,null,null,0.54464914937334785,0.5373327594960905,0.52736145660062561,0.51454957968289561,0.52485411729011955,0.53010314679488524,0.53168521937394708,0.56776014679724685,0.55752781482640501,0.55969368817973419,0.54575771217901614,0.54574197981843831,0.53192387995616819,0.51886655214728905,0.51134013117632648,0.516551666373124,null,null,0.52485411729011955,0.55752781482640501,0.53192387995616819,0.51590134369746454,0.55200000000000005,null,null,0.54464914937334785,0.5373327594960905,0.52736145660062561,0.51454957968289561,0.52485411729011955,0.53010314679488524]
["  Hereof retail % ",0.32814214119423596,0.35960661616840733,-3.1464474974171375,-8.749693014389992E-2,null,0.32814214119423596,0.33474259660591155,-0.66004554116755876,-1.9718002664137257E-2,null,null,0.32814214119423596,0.33474259660591155,0.33571218644617284,0.35359965608003985,0.35960661616840733,0.35958000367357285,0.35307777112088151,0.37241735819637489,0.37895587420879651,0.38624335021836698,0.40093336758156911,0.40330898043328872,0.42499884525541964,0.44994930430914215,0.45511151927991261,0.45181078285834603,null,null,0.35960661616840733,0.37895587420879651,0.42499884525541964,0.45146400148301696,0.41299999999999998,null,null,0.32814214119423596,0.33474259660591155,0.33571218644617284,0.35359965608003985,0.35960661616840733,0.35958000367357285]
["  Hereof FCY % ",0.58015813763079771,0.60548588914299595,-2.5327751512198238,-4.183045710288491E-2,null,0.58015813763079771,0.62352999941176446,-4.3371861780966743,-6.9558580696812644E-2,null,null,0.58015813763079771,0.62352999941176446,0.63585847082284941,0.61768781087414903,0.6054858891429965,0.61682013906327626,0.65692101248017132,0.64898414859482123,0.63315361687330107,0.62193813668815057,0.67436949556217207,0.7634154771270939,0.75872295080654573,0.71325996033678973,0.68281779648587604,0.67703917209326847,null,null,0.60548588914299595,0.63315361687330107,0.75872295080654573,0.72525376088429194,0.76300000000000001,null,null,0.58015813763079771,0.62352999941176446,0.63585847082284941,0.61768781087414903,0.60548588914299595,0.61682013906327626]
["Deposits from customers",4275.8143853730007,4163.1321840480005,112.68220132500028,2.7066688335471989E-2,null,4275.8143853730007,4179.5056036669994,96.308781706001355,2.3043103859342162E-2,null,null,4275.8143853730007,4179.5056036669994,3881.5128489590002,4115.2918849950001,4163.1321840480005,4082.2990707109998,4368.4398035519998,4699.6071242779999,4926.6422585970004,4984.4277661790002,4768.3124890259996,5019.7856602370002,4578.064249033001,4883.1382326140001,5175.9986422829988,4994.2690627879992,null,null,4163.1321840480005,4926.6422585970004,4578.064249033001,4785.3260398449984,4940.9399210000001,null,null,4275.8143853730007,4179.5056036669994,3881.5128489590002,4115.2918849950001,4163.1321840480005,4082.2990707109998]
["Loan/deposit ratio (net)*",0.88271875642295372,0.97170170215201734,-8.8982945729063623,-9.1574343784717072E-2,null,0.88271875642295372,0.94621367181464999,-6.3494915391696267,-6.7104204138083934E-2,null,null,0.88271875642295372,0.94621367181464999,1.0411700249513411,0.9633581463076043,0.97170170215201734,1.2643639133060685,1.2190420505249822,1.0920106964825194,1.0651609060606424,1.0985981727983936,1.1660520814540585,1.1098676196868082,1.2153609819770992,1.2120583579594224,1.1949008378806383,1.2096152066910457,null,null,0.97170170215201734,1.0618008253612687,1.2153609819770992,1.3121554992209863,1.3058631123153055,null,null,0.88271875642295372,0.94621367181464999,1.0411700249513411,0.9633581463076043,0.97170170215201734,1.2643639133060685]
[]
["Equity",319.56242942599999,402.32466910599999,-82.762239679999993,-0.20571007953329035,null,319.56242942599999,203.05395629600002,116.50847312999997,0.57378085734099571,null,null,319.56242942599999,203.05395629600002,312.44056115300003,377.36347384000004,402.32466910599999,370.97410687700005,359.19652475400005,390.25229332899994,373.10332897100005,487.66756721000007,497.91870966100004,542.45704252000019,531.20393132700008,270.02528153000105,556.73210356000004,587.77368789399998,null,null,402.32466910599999,373.103328971,531.20393132700008,570.85498809599994,539.94976299999996,null,null,319.56242942599999,203.05395629600002,312.44056115300003,377.36347384000004,402.32466910599999,370.97410687700005]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–","–","–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–","–","–","–","–"]
["Return on equity after tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–","–","–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–","–","–","–","–"]
["Cost/income ratio**",0.81310085903326612,0.69113068294485613,12.197017608840998,0.17647917984006178,null,1.2398980115473117,0.76310153927791313,47.679647226939856,0.62481393068682389,null,null,1.2398980115473117,0.76310153927791313,0.71787260400647279,0.64760917529538842,0.58740604474146008,0.66558296373560277,0.76689748262005553,0.79017019125158861,0.87274045733705818,0.99348818433484087,0.79299071812610511,0.66074574907949957,0.56166321322264168,0.67438374225668751,0.50010184192057483,0.54343585733828204,null,null,0.69113068294485613,0.81388657188370406,0.56497367159488987,0.51560932841287221,0.49929884065792129,null,null,0.81310085903326612,0.70729296625671745,0.6831200687839285,0.64760917529538842,0.69113068294485613,0.73720087172184967]
["Net interest margin (avg. interest bearing assets)",2.6217696901960522E-2,3.1777516322277502E-2,-0.55598194203169793,-0.17496079189861957,null,2.3245827065029812E-2,2.5184281506273526E-2,-0.19384544412437144,-7.6970805808410092E-2,null,null,2.3245827065029812E-2,2.5184281506273526E-2,2.7139842376831664E-2,2.9496851824985536E-2,3.2402262760582896E-2,3.235310355709891E-2,3.4356587057217974E-2,2.8525438370145567E-2,3.5834654169290409E-2,3.237783347132351E-2,3.5853037942877253E-2,3.2200464076512877E-2,3.3722105502121069E-2,null,null,null,null,null,3.1777516322277502E-2,3.4257432641555341E-2,3.8659205703616889E-2,null,null,null,null,2.6217696901960522E-2,2.7310787817470147E-2,2.8429529103797355E-2,2.9496851824985536E-2,3.1777516322277502E-2,3.1484577292733587E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.6382341250211609E-2,2.9794153285520559E-2,-0.34118120353089504,-0.11451280399255481,null,7.2702293308757729E-2,2.525146181646302E-3,7.0177147127111432,">500,0%",null,null,7.2702293308757729E-2,2.525146181646302E-3,1.6147669711094836E-2,1.4758248989019576E-2,4.3215670776923398E-2,1.8795433973219287E-2,2.8559022011638336E-2,2.7440688355239377E-2,7.052380330381107E-2,2.8419497822985265E-2,4.500104966582371E-2,3.3419946983020102E-2,6.9500000000000006E-2,0.17047088497633031,4.4509127131224867E-2,3.0764987820371532E-2,null,null,2.9794153285520559E-2,4.468486121749498E-2,6.9500000000000006E-2,3.0720352832709765E-2,null,null,null,2.6382341250211609E-2,1.1246941637744704E-2,1.5333034706017327E-2,1.4758248989019576E-2,2.9794153285520559E-2,2.5000486920337552E-2]
[]
["NPL ratio",0.25734959652573508,0.29683933937007356,-3.9489742844338482,-0.13303406121351757,null,0.25734959652573508,0.27295671670195365,-1.560712017621857,-5.7178003768488583E-2,null,null,0.25734959652573508,0.27295671670195365,0.27978778128473475,0.28608506279855567,0.29683933937007356,0.29050480464139306,0.28220984810455085,0.28265013903144309,0.28069319732236803,0.27665904973927902,0.28405452122775843,0.24815842584807044,0.22737297261818393,0.1974313817484043,0.18939746189374454,0.16970634941938792,null,null,0.29683933937007356,0.28069319732236803,0.22737297261818393,null,null,null,null,0.25734959652573508,0.27295671670195365,0.27978778128473475,0.28608506279855567,0.29683933937007356,0.29050480464139306]
["NPL coverage ratio",0.77294746035947359,0.63743128250419689,13.55161778552767,0.21259731295723538,null,0.77294746035947359,0.66880324603303776,10.414421432643584,0.15571726803684105,null,null,0.77294746035947359,0.66880324603303776,0.65435716520015741,0.66285192295639328,0.63743128250419689,0.60938707746389098,0.61547280687430483,0.6110044362430338,0.61093564634911779,0.57880575239740883,0.56332760429397055,0.59922065802985358,0.61679261862056389,0.66909449816944011,0.54756707964519957,0.52941719537376775,null,null,0.63743128250419689,0.61093564634911779,0.61679261862056389,null,null,null,null,0.77294746035947359,0.66880324603303776,0.65435716520015741,0.66285192295639328,0.63743128250419689,0.60938707746389098]
[]
["Number of employees",2298,2603,-305,-0.11717249327698809,null,2298,2326,-28,-1.2037833190025826E-2,null,null,2298,2326,2407,2488,2603,2715,2772,2820,2865,2904,2916,2932,2977,3188,3230,3262,null,null,2603,2865,2977,3244,3197,null,null,2298,2326,2407,2488,2603,2715]
["Business outlets",114,122,-8,-6.557377049180324E-2,null,114,117,-3,-2.5641025641025661E-2,null,null,114,117,122,122,122,124,125,125,125,125,134,134,134,144,144,144,null,null,122,125,134,144,145,null,null,114,117,122,122,122,124]
["Number of customers ",580052,606021,-25969,-4.2851650355350768E-2,null,580052,593187,-13135,-2.2143101585166192E-2,null,null,580052,593187,595456,599544,606021,604565,608749,615660,622990,631653,639151,640019,643257,646256,645761,642768,null,null,606021,622990,643257,640806,660167,null,null,580052,593187,595456,599544,606021,604565]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",318.59884599999998,308.34919500000001,10.249650999999972,3.3240401357298666E-2,null,79.452313000000004,79.546959999999999,-9.4646999999994819E-2,-1.1898254817027665E-3,null,null,79.452313000000004,79.546959999999999,80.629150999999993,78.970421999999999,79.502690000000044,78.885304000000005,77.414295999999993,72.546904999999995,73.904082000000017,69.766577999999996,70.316494000000006,77.406215000000003,76.250265999999968,76.288692000000012,77.517451000000008,73.497632999999993,null,null,308.34919500000001,291.39336900000001,303.55404199999998,280.13271500000002,251.93814399999999,null,null,318.59884599999998,239.14653300000001,159.59957299999999,78.970421999999999,308.34919500000001,228.84650500000001]
["Net fee and commission income",149.019486,134.53560899999999,14.483877000000007,0.10765831520486158,null,39.082684999999998,38.064323999999999,1.0183609999999987,2.6753686733015369E-2,null,null,39.082684999999998,38.064323999999999,39.621705000000006,32.250771999999998,34.238176999999993,33.953505000000007,34.878767999999994,31.465159,35.620983999999993,32.703569000000002,32.773158000000002,30.993086999999999,32.231471999999997,33.185506000000004,32.720659999999995,30.652902999999998,null,null,134.53560899999999,132.09079800000001,128.79054099999999,125.592271,110.05855200000001,null,null,149.019486,109.936801,71.872477000000003,32.250771999999998,134.53560899999999,100.297432]
["Net trading income",5.4908049999999999,4.8380729999999996,0.65273200000000031,0.13491569887432453,null,1.883005,1.35904,0.52396500000000001,0.38554052860842947,null,null,1.883005,1.35904,1.0442529999999999,1.204507,1.4800249999999995,1.4880950000000004,1.2953109999999999,0.57464199999999999,0.46963799999999933,2.3996490000000001,1.375021,2.2044739999999998,-1.0468629999999999,0.26852999999999994,-1.7613989999999999,1.3302609999999999,null,null,4.8380729999999996,6.4487819999999996,-1.209471,-2.0749200000000001,24.347691000000001,null,null,5.4908049999999999,3.6078000000000001,2.2487599999999999,1.204507,4.8380729999999996,3.3580480000000001]
["Sundry net operating income",7.9431770000000022,26.043925000000002,-18.100747999999999,-0.69500845206703676,null,-8.3656430000000004,4.5803860000000007,-12.946029000000001,"–",null,null,-8.3656430000000004,4.5803860000000007,5.7078179999999996,6.0206160000000004,7.0171090000000014,7.3212470000000014,6.1374499999999994,5.5681190000000003,14.117021000000001,1.5805430000000005,3.8226159999999996,2.3451309999999999,17.678996000000001,4.541588,1.989125,0.58738999999999997,null,null,26.043925000000002,21.865310999999998,24.797098999999999,2.8271220000000001,-11.37575,null,null,7.9431770000000022,16.308820000000001,11.728434,6.0206160000000004,26.043925000000002,19.026816]
["Operating income",481.05231400000002,473.76680200000004,7.2855119999999829,1.5377844055860956E-2,null,112.05235999999999,123.55071,-11.498350000000002,-9.3065835072902448E-2,null,null,112.05235999999999,123.55071,127.00292699999999,118.44631700000001,122.23800100000004,121.64815100000001,119.72582499999999,110.154825,124.11172500000001,106.450339,108.287289,112.94890700000001,125.113871,114.284316,110.46583699999999,106.06818699999999,null,null,473.76680200000004,451.79825999999997,455.932211,406.47718800000001,374.968637,null,null,481.05231400000002,368.99995400000006,245.44924399999999,118.44631700000001,473.76680200000004,351.52880099999999]
["Staff expenses",-121.616764,-126.443799,4.8270349999999951,-3.8175339859885082E-2,null,-29.711417999999998,-30.822033000000001,1.1106150000000028,-3.6033151998766666E-2,null,null,-29.711417999999998,-30.822033000000001,-30.238471999999998,-30.844840999999999,-34.229276000000006,-30.817641000000002,-30.803019999999997,-30.593862000000001,-33.248812000000001,-29.704305999999999,-29.550836,-29.712582000000001,-29.809193999999998,-31.190733000000002,-30.416862999999999,-29.476697000000001,null,null,-126.443799,-122.216536,-120.89348699999999,-113.542312,-106.78482099999999,null,null,-121.616764,-91.905345999999994,-61.083312999999997,-30.844840999999999,-126.443799,-92.214523]
["Other administrative expenses",-105.840159,-97.561994999999996,-8.2781640000000039,8.4850294420486305E-2,null,-29.200263,-24.092334000000001,-5.1079289999999986,0.21201470143988543,null,null,-29.200263,-24.092334000000001,-25.76662,-26.780942,-25.834654000000008,-25.235263999999994,-24.078619000000003,-22.413457999999999,-31.075345000000006,-19.997928999999999,-22.459779999999999,-27.443835,-25.007753999999998,-23.144606000000003,-29.653118999999997,-29.272306,null,null,-97.561994999999996,-100.976889,-107.07778500000001,-101.407518,-88.862926999999999,null,null,-105.840159,-76.639895999999993,-52.547561999999999,-26.780942,-97.561994999999996,-71.727340999999996]
["Depreciation on intangible and tangible fixed ass.",-28.307259999999999,-27.414494000000001,-0.89276599999999817,3.2565474307131081E-2,null,-7.8464039999999997,-6.9223090000000003,-0.92409499999999944,0.13349519647273755,null,null,-7.8464039999999997,-6.9223090000000003,-6.9959299999999995,-6.5426169999999999,-7.9191190000000002,-6.713906999999999,-6.4572400000000005,-6.3242279999999997,-7.8956320000000009,-6.4696660000000001,-6.4102399999999999,-5.9840540000000004,-5.8520790000000007,-5.7406579999999972,-5.5984480000000003,-5.4818220000000002,null,null,-27.414494000000001,-26.759592000000001,-22.673006999999998,-21.948008999999999,-19.614346000000001,null,null,-28.307259999999999,-20.460856,-13.538546999999999,-6.5426169999999999,-27.414494000000001,-19.495374999999999]
["General administrative expenses",-255.764183,-251.42028799999997,-4.3438950000000318,1.7277424326234359E-2,null,-66.758084999999994,-61.836675999999997,-4.921408999999997,7.9587217786415199E-2,null,null,-66.758084999999994,-61.836675999999997,-63.001022000000006,-64.168399999999991,-67.983048999999951,-62.766812000000002,-61.338879000000006,-59.331547999999998,-72.219788999999977,-56.171901000000005,-58.420856000000001,-63.140471000000005,-60.669026999999971,-60.075997000000001,-65.668430000000001,-64.23082500000001,null,null,-251.42028799999997,-249.95301699999999,-250.64427899999998,-236.89783899999998,-215.26209399999999,null,null,-255.764183,-189.00609799999998,-127.169422,-64.168399999999991,-251.42028799999997,-183.43723900000001]
["Operating result",225.28813100000002,222.34651400000007,2.9416169999999511,1.3229876857884681E-2,null,45.294274999999999,61.714033999999998,-16.419758999999999,-0.26606199491026628,null,null,45.294274999999999,61.714033999999998,64.001904999999979,54.277917000000016,54.254952000000088,58.881339000000011,58.386946000000002,50.823276999999997,51.891936000000001,50.278438000000001,49.866432999999994,49.808436,64.444843999999904,54.208319000000003,44.797407,41.837361999999999,null,null,222.34651400000007,201.84524300000001,205.28793200000001,169.57934900000001,159.70654300000001,null,null,225.28813100000002,179.99385600000008,118.279822,54.277917000000016,222.34651400000007,168.09156199999998]
["Net provisioning for impairment losses",-54.477874999999997,-48.141357999999997,-6.3365170000000006,0.13162314615221282,null,-20.757711,-10.240703,-10.517008000000001,1.0269810578433924,null,null,-20.757711,-10.240703,-11.467389000000001,-12.012072,-18.801663999999995,-11.046369,-9.132612,-9.1607129999999994,-16.099195999999992,-8.3308540000000004,-3.5694880000000002,-12.557650000000001,-11.905145000000001,-7.3747160000000003,3.2479040000000001,-0.62063599999999997,null,null,-48.141357999999997,-40.557187999999996,-16.652593,-48.951940999999998,-62.067202999999999,null,null,-54.477874999999997,-33.720163999999997,-23.479461000000001,-12.012072,-48.141357999999997,-29.339694000000001]
["Other results",-25.320641000000002,-40.548675000000003,15.228034000000001,-0.3755494846625691,null,8.9135999999999993E-2,-8.4789130000000004,8.5680490000000002,"–",null,null,8.9135999999999993E-2,-8.4789130000000004,-8.4704129999999989,-8.4604510000000008,-7.9701790000000017,-8.5103620000000006,-15.72728,-8.3408540000000002,-11.045531,-11.993235,-4.4105179999999997,0.24354599999999982,-4.8859110000000001,2.321866,4.8105000000000099E-2,-1.449044,null,null,-40.548675000000003,-27.205737999999997,-3.9649839999999998,1.5267759999999999,19.547148,null,null,-25.320641000000002,-25.409776999999998,-16.930864,-8.4604510000000008,-40.548675000000003,-32.578496000000001]
["Net income from derivatives",-4.7746999999999998E-2,-0.31189,0.26414300000000002,-0.84691076982269387,null,-3.6804999999999997E-2,1.4144E-2,-5.0948999999999994E-2,"–",null,null,-3.6804999999999997E-2,1.4144E-2,-1.5966000000000001E-2,-9.1199999999999996E-3,3.1729999999999814E-3,-0.25408699999999995,8.983999999999992E-3,-6.9959999999999994E-2,-7.2438000000000002E-2,4.2009999999999999E-2,9.3773999999999996E-2,0,0,0,0,0,null,null,-0.31189,6.3346E-2,0,0,0,null,null,-4.7746999999999998E-2,-1.0942E-2,-2.5086000000000001E-2,-9.1199999999999996E-3,-0.31189,-0.31506299999999998]
["Net income from financial investments",0.56740800000000002,-7.0698860000000003,7.6372940000000007,"–",null,0.121394,0.202351,-8.0957000000000001E-2,-0.40008203567069101,null,null,0.121394,0.202351,0.154561,8.9102000000000001E-2,0.25373599999999996,8.7123000000000062E-2,-7.4905220000000003,7.9777000000000001E-2,-0.39407399999999981,-1.7627649999999999,-0.27618599999999999,4.2123109999999997,-4.8859109999999992,2.321866,4.8105000000000064E-2,-1.449044,null,null,-7.0698860000000003,1.7792859999999999,-3.9649839999999998,1.5267759999999999,19.547148,null,null,0.56740800000000002,0.44601400000000002,0.24366299999999999,8.9102000000000001E-2,-7.0698860000000003,-7.3236220000000003]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",-25.840302000000001,-33.166899000000001,7.3265969999999996,-0.22090087469437525,null,4.5469999999999998E-3,-8.6954080000000005,8.699955000000001,"–",null,null,4.5469999999999998E-3,-8.6954080000000005,-8.6090079999999993,-8.5404330000000002,-8.227088000000002,-8.3433980000000005,-8.2457419999999999,-8.3506710000000002,-10.579019000000001,-10.27248,-4.2281059999999995,-3.9687649999999999,0,0,0,0,null,null,-33.166899000000001,-29.048369999999998,0,0,0,null,null,-25.840302000000001,-25.844849,-17.149440999999999,-8.5404330000000002,-33.166899000000001,-24.939810999999999]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",145.48961499999999,133.65648100000001,11.833133999999973,8.853393349477745E-2,null,24.625699999999998,42.994418000000003,-18.368718000000005,-0.427234949429947,null,null,24.625699999999998,42.994418000000003,44.064102999999996,33.805394,27.48310900000002,39.324608000000005,33.527054,33.321710000000003,24.747208999999984,29.954349000000001,41.886426999999998,37.494332,47.653787999999999,49.155469000000004,48.093415999999998,39.767682000000001,null,null,133.65648100000001,134.08231699999999,184.670355,122.154184,117.186488,null,null,145.48961499999999,120.86391500000001,77.869496999999996,33.805394,133.65648100000001,106.173372]
["Income taxes",-38.094504000000001,-30.886568,-7.2079360000000001,0.23336798054092633,null,-9.5431109999999997,-9.5448249999999994,1.7139999999997713E-3,-1.795737480780879E-4,null,null,-9.5431109999999997,-9.5448249999999994,-10.968707000000002,-8.0378609999999995,-8.0853269999999995,-8.4548950000000005,-6.1162840000000003,-8.2300620000000002,-3.0101220000000009,-7.3001079999999998,-8.8470479999999991,-9.1695770000000003,-7.6757590000000029,-10.391526000000001,-9.4227830000000008,-8.0538509999999999,null,null,-30.886568,-28.326854999999998,-35.543919000000002,-29.622409000000001,-25.814395000000001,null,null,-38.094504000000001,-28.551393000000001,-19.006568000000001,-8.0378609999999995,-30.886568,-22.801241000000001]
["Profit/loss after tax",107.395111,102.769913,4.6251979999999975,4.5005370394737954E-2,null,15.082589,33.449593,-18.367004000000001,-0.54909499197792933,null,null,15.082589,33.449593,33.095396000000001,25.767533,19.397782000000014,30.869712999999997,27.410769999999999,25.091647999999999,21.737086999999999,22.654240999999999,33.039378999999997,28.324755,39.978029000000006,38.763943000000012,38.670632999999995,31.713830999999999,null,null,102.769913,105.75546199999999,149.12643600000001,92.531774999999996,91.372093000000007,null,null,107.395111,92.312522000000001,58.862929000000001,25.767533,102.769913,83.372130999999996]
[]
[]
["Total assets",10215.407483999999,10008.733689999999,206.67379400000027,2.0649344902291977E-2,null,10215.407483999999,10507.043491,-291.63600700000097,-2.7756238684060519E-2,null,null,10215.407483999999,10507.043491,10127.884201999999,10067.372169,10008.733689999999,9768.7594300000001,9636.8673290000006,9594.0529640000004,9666.9035449999992,9793.7891419999996,9823.0995039999998,10008.022940000001,9682.2952619999996,9453.1249810000008,9148.6186620000008,8939.7200780000003,null,null,10008.733689999999,9666.9035449999992,9682.2952619999996,8972.4259270000002,9323.7218229999999,null,null,10215.407483999999,10507.043491,10127.884201999999,10067.372169,10008.733689999999,9768.7594300000001]
["Loans and advances to customers",7503.9596469999997,6879.3836279999996,624.57601900000009,9.0789531849611249E-2,null,7503.9596469999997,7355.0914300000004,148.86821699999928,2.0240158591747104E-2,null,null,7503.9596469999997,7355.0914300000004,7126.5864949999996,7056.7522719999997,6879.3836279999996,6910.5030399999996,6852.9757639999998,6731.6985489999997,6645.3971439999996,6651.6425410000002,6650.1835199999996,6687.1239029999997,6635.7552580000001,6535.7847689999999,6366.7983270000004,6073.0391479999998,null,null,6879.3836279999996,6645.3971439999996,6635.7552580000001,6011.4181769999996,5835.2452119999998,null,null,7503.9596469999997,7355.0914300000004,7126.5864949999996,7056.7522719999997,6879.3836279999996,6910.5030399999996]
["  Hereof corporate %",0.47862699240871864,0.46683249546761746,1.1794496941101185,2.5264944183645222E-2,null,0.47862699240871864,0.4744565091014783,0.41704833072403469,8.790022324993263E-3,null,null,0.47862699240871864,0.4744565091014783,0.46945900884378577,0.47647657165789586,0.46683249546761746,0.47273519742340031,0.47842922549269107,0.48751496464711214,0.49281299522060157,0.49460035663369184,0.50091230558432664,0.51067828262194626,0.51994204125981147,0.53015712726168318,0.51776277494589906,0.53328852325828968,null,null,0.46683249546761746,0.49281299522060157,0.51994204125981147,0.5333438799298269,0.54200000000000004,null,null,0.47862699240871864,0.4744565091014783,0.46945900884378577,0.47647657165789586,0.46683249546761746,0.47273519742340031]
["  Hereof retail % ",0.5200532806116781,0.53038716838600664,-1.0333887774328532,-1.9483668516670605E-2,null,0.5200532806116781,0.52411758503456152,-0.40643044228834135,-7.7545660342905887E-3,null,null,0.5200532806116781,0.52411758503456152,0.52834835642199507,0.52211867442698856,0.53038716838600664,0.52472142765873919,0.51901962008914082,0.50987053936903592,0.50462177052778034,0.50302038158091167,0.4966339277229021,0.48686445772502501,0.47758288243010782,0.46748049392689633,0.4799158069723588,0.46391732376492228,null,null,0.53038716838600664,0.50462177052778034,0.47758288243010782,0.46373451322133979,0.45800000000000002,null,null,0.5200532806116781,0.52411758503456152,0.52834835642199507,0.52211867442698856,0.53038716838600664,0.52472142765873919]
["  Hereof FCY % ",1.1916790095713052E-2,6.3653958505481391E-3,0.55513942451649134,0.87212081942820086,null,1.1916790095713052E-2,1.0060379222233544E-2,0.18564108734795084,0.18452692810792071,null,null,1.1916790095713052E-2,1.0060379222233544E-2,9.5915484991247572E-3,9.9756938158817657E-3,6.3653958505481391E-3,6.1855120752540762E-3,6.4144397286387371E-3,7.5991222167248003E-3,8.5532886550384341E-3,7.1456034666671064E-3,9.5434960267081481E-3,9.4191465439637748E-3,9.2129678722397499E-3,9.6372512599794888E-3,1.0971762636765548E-2,1.4432806682773585E-2,null,null,6.3653958505481391E-3,8.5532886550384341E-3,9.4920619509080758E-3,1.586863485308319E-2,1.4999999999999999E-2,null,null,1.1916790095713052E-2,1.0060379222233544E-2,9.5915484991247572E-3,9.9756938158817657E-3,6.3653958505481391E-3,6.1855120752540762E-3]
["Deposits from customers",7657.3323959999998,7319.7049850000003,337.62741099999948,4.6125822241727787E-2,null,7657.3323959999998,7389.6621729999997,267.67022300000008,3.6222254378285523E-2,null,null,7657.3323959999998,7389.6621729999997,7734.4996739999997,7365.3802390000001,7319.7049850000003,7320.983534,7344.8267139999998,7191.3649729999997,7233.2120279999999,7213.1965380000001,7324.6428370000003,7588.5321169999997,7207.2436749999997,7037.2268100000001,6899.0750660000003,6690.572083,null,null,7319.7049850000003,7233.2120279999999,7207.2436749999997,6815.9141890000001,6726.3533559999996,null,null,7657.3323959999998,7389.6621729999997,7734.4996739999997,7365.3802390000001,7319.7049850000003,7320.983534]
["Loan/deposit ratio (net)*",0.94879384402787259,0.90981817390827524,3.897567011959735,4.2838966331229633E-2,null,0.94879384402787259,0.96223108939678437,-1.3437245368911777,-1.3964675967116702E-2,null,null,0.94879384402787259,0.96223108939678437,0.89155190776985227,0.92690676251181658,0.90981817390827524,0.94393096336118598,0.93303436974728338,0.93608078219839785,0.91873390663448695,0.92214907856154138,0.90791915291855474,0.8812144166879593,0.92070638335951649,0.92874436840838437,0.92284810153419483,0.90770102655809015,null,null,0.90981817390827524,0.91873390663448695,0.92070638335951649,0.88196799582683238,0.86751987342367032,null,null,0.94879384402787259,0.96223108939678437,0.89155190776985227,0.92690676251181658,0.90981817390827524,0.94393096336118598]
[]
["Equity",1005.307504,1028.270669,-22.963165000000004,-2.233182924718824E-2,null,1005.307504,991.07794199999989,14.229562000000101,1.4357661892146156E-2,null,null,1005.307504,991.07794199999989,951.72417200000007,1052.8890499999998,1028.270669,1011.967341,973.91540399999997,1099.3739399999999,1074.918083,1056.0949499999999,1037.8505130000001,1089.4396580000002,1061.929069,1012.0665320000001,843.97265900000002,881.20347700000002,null,null,1028.270669,1074.918083,1061.929069,849.81009700000004,811.23443100000009,null,null,1005.307504,991.07794199999989,951.72417200000007,1052.8890499999998,1028.270669,1011.967341]
["Return on equity before tax",0.15150996043678283,0.14108731146915496,1.0422648967627874,7.3873751360741702E-2,null,0.10707673094595574,0.19069156571188234,-8.3614834765926602,-0.43848208206681272,null,null,0.10707673094595574,0.19069156571188234,0.1836020777603232,0.13850254385580288,0.11858332903573135,0.17005160554434645,0.13439748791147862,0.13045307867322969,0.10198520223985827,0.12298026682077627,0.16445386983222363,0.15195906137387899,0.2099608666808005,0.23456144919274746,0.23704798271594416,0.18721915148315302,null,null,0.14108731146915496,0.14249180925632537,0.20954161042511019,0.16697512025178296,0.16868059772991761,null,null,0.15150996043678283,0.16709301884186448,0.17129591806873212,0.13850254385580288,0.14108731146915496,0.14919131797275137]
["Return on equity after tax",0.11183910974480139,0.1084835588712601,0.33555508735412937,3.0931423235509792E-2,null,6.5581661610489519E-2,0.14835775336219739,-8.2776091751707881,-0.55794921314034807,null,null,6.5581661610489519E-2,0.14835775336219739,0.13789872154893723,0.1055709887418661,8.3696992413390597E-2,0.13349005941376918,0.10987958052381581,9.8232735672478574E-2,8.9580251809422043E-2,9.3009018583651057E-2,0.12971872089742822,0.11479610260679096,0.17614175009613459,0.18497487322326353,0.19060396007217745,0.14930305794791143,null,null,0.1084835588712601,0.11238832574110849,0.1692106648974446,0.12648362709979646,0.13152283617436869,null,null,0.11183910974480139,0.127621035425553,0.12948561184708304,0.1055709887418661,0.1084835588712601,0.11715176669802746]
["Cost/income ratio**",0.53167644257501678,0.53068363367511751,9.928088998992779E-2,1.8708112270653388E-3,null,0.59577580516822681,0.50049632252214493,9.5279482646081881,0.19036999545958921,null,null,0.59577580516822681,0.50049632252214493,0.49605960656324094,0.54175090982356156,0.55615314749788758,0.51597012765117978,0.51232788748793345,0.53861960200109249,0.58189336261340319,0.52768174838785631,0.53949874024457289,0.55901799032017196,0.48491047807161181,0.52567140533964429,0.59446822459689508,0.60556163743988589,null,null,0.53068363367511751,0.55324032677770829,0.54974023100991209,0.58280721770787292,0.57408026367815923,null,null,0.53167644257501678,0.51221171154942746,0.51810883556846488,0.54175090982356156,0.53068363367511751,0.52182705507535354]
["Net interest margin (avg. interest bearing assets)",3.2847497818173428E-2,3.375996462086276E-2,-9.1246680268933233E-2,-2.702807342770297E-2,null,3.1809261695092302E-2,3.2499055635713481E-2,-6.8979394062117921E-2,-2.1225045686040112E-2,null,null,3.1809261695092302E-2,3.2499055635713481E-2,3.3474138738472173E-2,3.3277668674243255E-2,3.3914811111730697E-2,3.4674720316529899E-2,3.4136653557258832E-2,3.225767986878636E-2,3.2499086294434529E-2,3.0305965552992548E-2,3.0199144189909412E-2,3.3563063502262132E-2,3.4058656815239535E-2,null,null,null,null,null,3.375996462086276E-2,3.175000793914811E-2,3.4989518452920962E-2,null,null,null,null,3.2847497818173428E-2,3.3112998511881514E-2,3.3391276703513398E-2,3.3277668674243255E-2,3.375996462086276E-2,3.3673979125607358E-2]
["Provisioning ratio (avg. loans and advances to customers)",7.5923036667488106E-3,7.1189853368515662E-3,4.7331832989724446E-2,6.6486768479083969E-2,null,1.1175793604817958E-2,5.6571914127830593E-3,0.55186021920348982,0.97550211569030476,null,null,1.1175793604817958E-2,5.6571914127830593E-3,6.4680900249979916E-3,6.8954964768964408E-3,1.0907508931820322E-2,6.4206842803664777E-3,5.378185322417601E-3,5.4784465688130736E-3,9.6858828018155183E-3,5.0103520895829288E-3,2.1410546442646849E-3,7.5405022282330376E-3,7.2308294857524342E-3,4.5725516790734878E-3,-2.0887115327847161E-3,4.108656157631803E-4,null,null,7.1189853368515662E-3,6.1074802505680934E-3,2.633409446875352E-3,8.2642579421060309E-3,null,null,null,7.5923036667488106E-3,6.350246092921237E-3,6.7055579281703722E-3,6.8954964768964408E-3,7.1189853368515662E-3,5.771596348307843E-3]
[]
["NPL ratio",4.4960278922283631E-2,5.0158061340782677E-2,-0.51977824184990462,-0.10362805657867036,null,4.4960278922283631E-2,5.0094996711686018E-2,-0.51347177894023877,-0.10249961326386459,null,null,4.4960278922283631E-2,5.0094996711686018E-2,5.0718063585363106E-2,5.2239470480309358E-2,5.0158061340782677E-2,5.3690397768785293E-2,5.4680820406298458E-2,5.1879907048404589E-2,5.1462863932636015E-2,5.1895517516505708E-2,5.0678230455811546E-2,4.9318611526256335E-2,5.0992755736742688E-2,4.8151117290869891E-2,5.0239044896953286E-2,5.3915704870403709E-2,null,null,5.0158061340782677E-2,5.1462863932636015E-2,5.0992755736742688E-2,null,null,null,null,4.4960278922283631E-2,5.0094996711686018E-2,5.0718063585363106E-2,5.2239470480309358E-2,5.0158061340782677E-2,5.3690397768785293E-2]
["NPL coverage ratio",0.70758767850341242,0.63694779173961824,7.0639886763794184,0.11090373132602283,null,0.70758767850341242,0.66361632154932548,4.3971356954086938,6.6260210194089675E-2,null,null,0.70758767850341242,0.66361632154932548,0.63876244015828754,0.62318493806611341,0.63694779173961824,0.62711162796147024,0.61795872650392336,0.65671088922988019,0.64154300136328957,0.60041810486798186,0.61727621288941736,0.63960385575405643,0.61560782511504153,0.67075649136031978,0.6449834640651303,0.65045825248600053,null,null,0.63694779173961824,0.64154300136328957,0.61560782511504153,null,null,null,null,0.70758767850341242,0.66361632154932548,0.63876244015828754,0.62318493806611341,0.63694779173961824,0.62711162796147024]
[]
["Number of employees",3816,3853,-37,-9.6029068258499661E-3,null,3816,3843,-27,-7.0257611241217877E-3,null,null,3816,3843,3866,3845,3853,3844,3828,3845,3827,3823,3819,3815,3805,3807,3768,3769,null,null,3853,3827,3805,3693,3601,null,null,3816,3843,3866,3845,3853,3844]
["Business outlets",178,165,13,7.8787878787878851E-2,null,178,184,-6,-3.2608695652173947E-2,null,null,178,184,179,179,165,163,163,163,163,152,152,155,156,156,157,157,null,null,165,163,156,159,152,null,null,178,184,179,179,165,163]
["Number of customers ",926903,895376,31527,3.5210905809403004E-2,null,926903,924023,2880,3.116805534061351E-3,null,null,926903,924023,914343,900049,895376,889023,879227,859019,840728,830408,818395,800581,788215,770491,757893,747832,null,null,895376,840728,788215,735722,742042,null,null,926903,924023,914343,900049,895376,889023]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",13.573867,19.154767,-5.5808999999999997,-0.29135828172694556,null,3.46401,3.185416,0.27859400000000001,8.7459220396959081E-2,null,null,3.46401,3.185416,3.2613569999999998,3.663084,4.1657300000000008,4.6683089999999998,5.1267180000000012,5.1940099999999996,6.0944709999999995,6.0820889999999999,6.1202030000000001,6.2349600000000001,7.4717289999999998,7.295304999999999,8.337016000000002,7.8047959999999996,null,null,19.154767,24.531723,30.908846,31.434339000000001,25.251902999999999,null,null,13.573867,10.109857,6.9244409999999998,3.663084,19.154767,14.989037]
["Net fee and commission income",7.4943090000000003,7.8337300000000001,-0.33942099999999975,-4.3328146361950148E-2,null,2.0134569999999998,1.9014770000000001,0.11197999999999975,5.8891062053340493E-2,null,null,2.0134569999999998,1.9014770000000001,1.7665620000000002,1.812813,1.9831539999999999,1.8828900000000006,2.0241129999999998,1.943573,2.1433270000000002,2.1479460000000001,1.7987359999999999,1.863829,1.8305720000000001,1.8661770000000004,2.0111939999999997,1.8432269999999999,null,null,7.8337300000000001,7.9538380000000002,7.5511699999999999,6.4279330000000003,5.6680960000000002,null,null,7.4943090000000003,5.4808519999999996,3.5793750000000002,1.812813,7.8337300000000001,5.8505760000000002]
["Net trading income",0.75560700000000003,0.88161,-0.12600299999999998,-0.14292374179058764,null,8.2497000000000001E-2,0.18417600000000001,-0.10167900000000001,-0.55207518894970031,null,null,8.2497000000000001E-2,0.18417600000000001,0.22561599999999998,0.263318,0.22843500000000005,0.29568299999999992,0.21696999999999997,0.14052200000000001,0.27308199999999999,0.16556000000000001,0.173958,0.118977,5.595E-2,0.36993799999999999,-0.203233,-2.8243000000000001E-2,null,null,0.88161,0.73157700000000003,0.194412,-0.74762399999999996,0.83723499999999995,null,null,0.75560700000000003,0.67310999999999999,0.48893399999999998,0.263318,0.88161,0.65317499999999995]
["Sundry net operating income",-3.0227210000000002,-2.7775689999999997,-0.24515200000000048,8.8261353723346092E-2,null,-0.29647599999999996,0.214446,-0.51092199999999999,"–",null,null,-0.29647599999999996,0.214446,0.15579799999999988,-3.096489,-2.7440459999999995,-0.55715899999999996,0.29294399999999998,0.23069199999999998,2.8382000000000001E-2,3.7629000000000003E-2,0.13995299999999999,0.117884,-0.44677600000000001,0.24280499999999999,-4.0385999999999998E-2,0.20028599999999999,null,null,-2.7775689999999997,0.32384800000000002,-4.4070999999999999E-2,1.800732,0.40222400000000003,null,null,-3.0227210000000002,-2.726245,-2.9406910000000002,-3.096489,-2.7775689999999997,-3.3522999999999969E-2]
["Operating income",18.801062000000002,25.092537999999998,-6.2914759999999958,-0.25073095435782533,null,5.2634879999999997,5.4855149999999995,-0.22202699999999975,-4.0475142261027441E-2,null,null,5.2634879999999997,5.4855149999999995,5.4093330000000002,2.6427259999999997,3.6332730000000013,6.2897230000000004,7.6607450000000004,7.5087969999999995,8.5392620000000008,8.4332239999999992,8.2328499999999991,8.3356499999999993,8.9114749999999994,9.7742249999999995,10.104590999999999,9.8200660000000006,null,null,25.092537999999998,33.540985999999997,38.610357,38.915379999999999,32.159457999999994,null,null,18.801062000000002,13.537574000000001,8.0520589999999999,2.6427259999999997,25.092537999999998,21.459265000000002]
["Staff expenses",-8.3316879999999998,-11.049581999999999,2.7178939999999994,-0.24597256258200528,null,-2.0807259999999999,-2.1583540000000001,7.7628000000000252E-2,-3.5966296538936682E-2,null,null,-2.0807259999999999,-2.1583540000000001,-1.6946980000000003,-2.39791,-2.5582289999999994,-2.6625170000000007,-2.8371189999999999,-2.991717,-2.6216400000000006,-3.1657790000000001,-3.114258,-3.0840380000000001,-2.1625219999999996,-3.5162230000000014,-3.4559529999999996,-3.539819,null,null,-11.049581999999999,-11.985715000000001,-12.674517,-13.074937,-12.959338000000001,null,null,-8.3316879999999998,-6.2509620000000004,-4.0926080000000002,-2.39791,-11.049581999999999,-8.4913530000000002]
["Other administrative expenses",-8.5366619999999998,-7.1588159999999998,-1.3778459999999999,0.19246841935873205,null,-2.2508710000000001,-2.2812739999999998,3.0402999999999736E-2,-1.3327202256283033E-2,null,null,-2.2508710000000001,-2.2812739999999998,-2.3592879999999998,-1.6452290000000001,-1.3386149999999994,-1.8721579999999998,-1.9581430000000002,-1.9899,-2.6265179999999995,-2.3876680000000001,-2.2625380000000002,-2.3353030000000001,-2.5177149999999986,-2.4971590000000004,-2.7836000000000003,-2.5731519999999999,null,null,-7.1588159999999998,-9.6120269999999994,-10.371625999999999,-10.683958000000001,-11.090348000000001,null,null,-8.5366619999999998,-6.2857909999999997,-4.0045169999999999,-1.6452290000000001,-7.1588159999999998,-5.820201]
["Depreciation on intangible and tangible fixed ass.",-3.7241810000000002,-4.1474229999999999,0.42324199999999967,-0.10204939308095651,null,-1.983733,-0.61028899999999997,-1.3734440000000001,2.2504813293374122,null,null,-1.983733,-0.61028899999999997,-0.57817199999999991,-0.55198700000000001,-2.3240799999999999,-0.59696099999999974,-0.60580400000000012,-0.62057799999999996,-0.65383600000000008,-0.64129999999999998,-0.635876,-0.63113799999999998,-0.6312629999999998,-0.68380200000000035,-0.66648199999999991,-0.69293199999999999,null,null,-4.1474229999999999,-2.5621499999999999,-2.6744789999999998,-2.8247930000000001,-2.445147,null,null,-3.7241810000000002,-1.740448,-1.1301589999999999,-0.55198700000000001,-4.1474229999999999,-1.8233429999999999]
["General administrative expenses",-20.592531000000001,-22.355820999999999,1.7632899999999978,-7.8873864663704274E-2,null,-6.3153300000000003,-5.0499169999999998,-1.2654130000000006,0.25058095014234905,null,null,-6.3153300000000003,-5.0499169999999998,-4.6321580000000004,-4.5951260000000005,-6.2209239999999948,-5.1316360000000003,-5.4010660000000019,-5.602195,-5.9019939999999993,-6.1947470000000004,-6.0126720000000002,-6.0504790000000002,-5.3114999999999961,-6.6971840000000027,-6.9060350000000001,-6.8059029999999998,null,null,-22.355820999999999,-24.159891999999999,-25.720621999999999,-26.583688000000002,-26.494833,null,null,-20.592531000000001,-14.277201000000002,-9.2272840000000009,-4.5951260000000005,-22.355820999999999,-16.134897000000002]
["Operating result",-1.7914689999999993,2.7367169999999987,-4.528185999999998,"–",null,-1.0518420000000006,0.43559799999999971,-1.4874400000000003,"–",null,null,-1.0518420000000006,0.43559799999999971,0.77717499999999973,-1.9524000000000008,-2.5876509999999935,1.1580870000000001,2.2596789999999998,1.9066019999999999,2.6372680000000002,2.2384770000000001,2.2201780000000002,2.2851710000000001,3.5999750000000099,3.0770409999999999,3.198556,3.0141629999999999,null,null,2.7367169999999987,9.3810939999999992,12.889735,12.331692,5.6646249999999938,null,null,-1.7914689999999993,-0.73962700000000048,-1.1752250000000011,-1.9524000000000008,2.7367169999999987,5.3243679999999998]
["Net provisioning for impairment losses",-22.901547000000001,-64.994380000000007,42.092833000000006,-0.64763804193531804,null,-6.9114890000000004,-10.348675,3.4371859999999996,-0.33213778575518116,null,null,-6.9114890000000004,-10.348675,-6.2386220000000003,0.59723899999999996,-31.359530999999997,-18.833806000000003,-9.1074400000000004,-5.6936030000000004,-24.684783999999997,-3.9309379999999998,-2.7448320000000002,-2.3389920000000002,-2.0790670000000002,-3.4173419999999997,-7.4796880000000012,-2.2486169999999999,null,null,-64.994380000000007,-33.699545999999998,-15.224714000000001,-8.8115550000000002,-6.0155649999999996,null,null,-22.901547000000001,-15.990057999999999,-5.6413830000000003,0.59723899999999996,-64.994380000000007,-33.634849000000003]
["Other results",-0.15527399999999991,-0.74917699999999998,0.59390300000000007,-0.79274056731586806,null,-3.8888999999999979E-2,-9.3787999999999982E-2,5.4899000000000003E-2,-0.58535207062737249,null,null,-3.8888999999999979E-2,-9.3787999999999982E-2,-8.2869000000000054E-2,6.027200000000002E-2,-0.24004600000000001,-0.19690899999999997,-0.24877200000000002,-6.3449999999999979E-2,0.25775900000000002,-0.54647699999999999,3.7738000000000001E-2,0.139406,-2.216513,-1.6287119999999999,-0.23771100000000001,0.37928499999999998,null,null,-0.74917699999999998,-0.11157400000000001,-3.7036509999999998,8.7568000000000104E-2,1.4802490000000001,null,null,-0.15527399999999991,-0.11638499999999996,-2.2597000000000034E-2,6.027200000000002E-2,-0.74917699999999998,-0.509131]
["Net income from derivatives",0.203237,0.44483,-0.241593,-0.54311309938628238,null,6.0234999999999997E-2,5.0326000000000003E-2,9.9089999999999942E-3,0.19689623653777355,null,null,6.0234999999999997E-2,5.0326000000000003E-2,4.3272999999999992E-2,4.9403000000000002E-2,5.3651999999999977E-2,9.219000000000005E-2,0.14101199999999997,0.15797600000000001,-0.19551299999999999,-0.16277,-0.122767,-0.22120899999999999,0,0,0,0,null,null,0.44483,-0.48104999999999998,0,0,0,null,null,0.203237,0.14300199999999999,9.2675999999999994E-2,4.9403000000000002E-2,0.44483,0.39117800000000003]
["Net income from financial investments",0.35907899999999998,-0.40140799999999999,0.76048699999999991,"–",null,7.3074E-2,3.2750000000000001E-2,4.0323999999999999E-2,1.2312671755725191,null,null,7.3074E-2,3.2750000000000001E-2,5.7278999999999997E-2,0.19597600000000001,-0.11193399999999998,-0.124057,-0.15306800000000001,-1.2349000000000001E-2,0.45327200000000001,-0.38370700000000002,0.16050500000000001,0.13940600000000003,-2.2165130000000004,-1.6287119999999997,-0.23771100000000012,0.37928500000000009,null,null,-0.40140799999999999,0.36947600000000003,-3.7036509999999998,8.756800000000009E-2,1.4802490000000001,null,null,0.35907899999999998,0.28600500000000001,0.25325500000000001,0.19597600000000001,-0.40140799999999999,-0.28947400000000001]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",-0.71758999999999995,-0.79259900000000005,7.5009000000000103E-2,-9.4636758310318481E-2,null,-0.17219799999999999,-0.17686399999999999,4.6660000000000035E-3,-2.6381852722996202E-2,null,null,-0.17219799999999999,-0.17686399999999999,-0.18342100000000003,-0.18510699999999999,-0.18176400000000004,-0.16504200000000002,-0.23671600000000001,-0.20907699999999999,0,0,0,0,0,0,0,0,null,null,-0.79259900000000005,0,0,0,0,null,null,-0.71758999999999995,-0.54539199999999999,-0.36852800000000002,-0.18510699999999999,-0.79259900000000005,-0.61083500000000002]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",-24.848289999999999,-63.006839999999997,38.158549999999998,-0.60562551621379512,null,-8.0022199999999994,-10.006864999999999,2.004645,-0.20032697553129775,null,null,-8.0022199999999994,-10.006864999999999,-5.5443160000000002,-1.294889,-34.187227999999998,-17.872627999999999,-7.0965330000000009,-3.8504510000000001,-21.789756999999998,-2.2389380000000001,-0.48691600000000002,8.5584999999999994E-2,-0.69560500000000047,-1.9690129999999995,-4.5188430000000004,1.1448309999999999,null,null,-63.006839999999997,-24.430026000000002,-6.0386300000000004,3.6077050000000002,1.1293089999999999,null,null,-24.848289999999999,-16.846070000000001,-6.8392049999999998,-1.294889,-63.006839999999997,-28.819611999999999]
["Income taxes",-0.197991,-0.437668,0.239677,-0.54762285568056157,null,-0.197991,0,-0.197991,"–",null,null,-0.197991,0,0,0,-0.64490599999999998,3.636700000000001E-2,0.14124899999999999,2.9621999999999999E-2,-1.1006720000000001,0.119586,-2.8046999999999999E-2,5.4745000000000002E-2,0.55843599999999993,1.8204999999999999E-2,0.24166099999999999,-0.30497099999999999,null,null,-0.437668,-0.95438800000000001,0.51333099999999998,-1.0520099999999999,-0.42413299999999998,null,null,-0.197991,0,0,0,-0.437668,0.20723800000000001]
["Profit/loss after tax",-25.046281,-63.444507999999999,38.398226999999999,-0.60522538846073171,null,-8.2002109999999995,-10.006864999999999,1.806654,-0.18054145828888468,null,null,-8.2002109999999995,-10.006864999999999,-5.5443160000000002,-1.294889,-34.832133999999996,-17.836261,-6.9552840000000007,-3.8208289999999998,-22.890428999999997,-2.1193520000000001,-0.51496299999999995,0.14033000000000001,-0.1371690000000001,-1.9508080000000003,-4.2771819999999998,0.83986000000000005,null,null,-63.444507999999999,-25.384414,-5.5252990000000004,2.5556950000000001,0.70517600000000003,null,null,-25.046281,-16.846070000000001,-6.8392049999999998,-1.294889,-63.444507999999999,-28.612373999999999]
[]
[]
["Total assets",1145.5243969999999,1340.8418489999999,-195.317452,-0.14566777740840042,null,1145.5243969999999,1214.5179370000001,-68.993540000000166,-5.6807345448040225E-2,null,null,1145.5243969999999,1214.5179370000001,1201.5756960000001,1263.5649759999999,1340.8418489999999,1338.5933560000001,1502.4937010000001,1467.6627490000001,1611.5708079999999,1650.97649,1628.6916859999999,1660.297386,1731.839326,1668.3001039999999,1679.2923900000001,1684.775521,null,null,1340.8418489999999,1611.5708079999999,1731.839326,1610.570414,1582.707678,null,null,1145.5243969999999,1214.5179370000001,1201.5756960000001,1263.5649759999999,1340.8418489999999,1338.5933560000001]
["Loans and advances to customers",825.36354800000004,1050.7880720000001,-225.42452400000002,-0.21452900923298646,null,825.36354800000004,883.573442,-58.209893999999963,-6.5880085608095884E-2,null,null,825.36354800000004,883.573442,924.06225700000005,999.62607600000001,1050.7880720000001,1096.6654820000001,1156.651067,1208.3511140000001,1225.419656,1274.59132,1268.892362,1295.308716,1303.14905,1341.53927,1344.027497,1331.1629600000001,null,null,1050.7880720000001,1225.419656,1303.14905,1316.585325,1233.4666669999999,null,null,825.36354800000004,883.573442,924.06225700000005,999.62607600000001,1050.7880720000001,1096.6654820000001]
["  Hereof corporate %",0.58999154030970125,0.60861372607985631,-1.8622185770155064,-3.0597709141564233E-2,null,0.58999154030970125,0.58979978146513823,1.9175884456301695E-2,3.2512532318462739E-4,null,null,0.58999154030970125,0.58979978146513823,0.59543082607011222,0.60087372677381345,0.60861372607985631,0.61120396839508873,0.62048794320845269,0.62612105257495543,0.62367596415922699,0.62479885704512272,0.62119471160666151,0.62124327091064757,0.61719803337914547,0.62373587350050952,0.63107437573798741,0.68776400786380032,null,null,0.60861372607985631,0.62367596415922699,0.61719803337914547,0.69076284478404359,0.68600000000000005,null,null,0.58999154030970125,0.58979978146513823,0.59543082607011222,0.60087372677381345,0.60861372607985631,0.61120396839508873]
["  Hereof retail % ",0.33284053998469049,0.31751504585130397,1.5325494133386519,4.8266985560626363E-2,null,0.33284053998469049,0.34087936970835303,-0.80388297236625439,-2.3582623174116857E-2,null,null,0.33284053998469049,0.34087936970835303,0.33772409210637383,0.32188238401162034,0.31751504585130397,0.31814820387265025,0.31215898313320095,0.30903106795955809,0.31213053483703546,0.31294117093247953,0.3158361783351144,0.31671979427302677,0.32102929135501773,0.31535199498486438,0.30824380760207942,0.30385234565564095,null,null,0.31751504585130397,0.31213053483703546,0.32102929135501773,0.30045990194328509,0.314,null,null,0.33284053998469049,0.34087936970835303,0.33772409210637383,0.32188238401162034,0.31751504585130397,0.31814820387265025]
["  Hereof FCY % ",4.3404979644194319E-2,4.2449092436976192E-2,9.5588720721812709E-2,2.2518436846142853E-2,null,4.3404979644194319E-2,4.4900670520606256E-2,-0.1495690876411937,-3.3311103354804472E-2,null,null,4.3404979644194319E-2,4.4900670520606256E-2,4.4161526662158647E-2,4.21447589368407E-2,4.2449092436976192E-2,4.2883632950891037E-2,4.619370657615967E-2,4.7303303930251513E-2,4.8979955320710145E-2,4.9990141153636598E-2,5.5014122624216726E-2,6.893955000608519E-2,6.8524778497133537E-2,6.6563836032917628E-2,7.2146589423534691E-2,7.8174500889057183E-2,null,null,4.2449092436976192E-2,4.8979955320710145E-2,6.8524778497133537E-2,9.5122585389594852E-2,0.13600000000000001,null,null,4.3404979644194319E-2,4.4900670520606256E-2,4.4161526662158647E-2,4.21447589368407E-2,4.2449092436976192E-2,4.2883632950891037E-2]
["Deposits from customers",484.82452999999998,422.94939299999999,61.875136999999995,0.14629442203739007,null,484.82452999999998,477.51043600000003,7.3140939999999546,1.5317139581845662E-2,null,null,484.82452999999998,477.51043600000003,444.35983700000003,429.99515600000001,422.94939299999999,397.162845,403.92054400000001,379.68405799999999,494.98923200000002,489.46995900000002,466.705828,465.47255200000001,463.79010399999999,402.11069099999997,479.577584,527.51088200000004,null,null,422.94939299999999,494.98923200000002,463.79010399999999,446.694773,527.84316000000001,null,null,484.82452999999998,477.51043600000003,444.35983700000003,429.99515600000001,422.94939299999999,397.162845]
["Loan/deposit ratio (net)*",1.4452513077257043,2.1517859892046234,-70.653468147891914,-0.32834802579046418,null,1.4452513077257043,1.5726379014677703,-12.738659374206595,-8.1001859120382269E-2,null,null,1.4452513077257043,1.5726379014677703,1.7917277658916775,2.0372772687699765,2.1517859892046234,2.7612489330415588,2.8635608764678233,3.1825173813328766,2.4756491187670928,2.6040235903425484,2.7188269052427603,2.7827821649943387,2.8097819223844414,3.3362437259843958,2.8025235996017694,2.5234796198953107,null,null,2.1517859892046234,2.4756491187670928,2.8097819223844414,2.9473936221769939,2.3368052491198332,null,null,1.4452513077257043,1.5726379014677703,1.7917277658916775,2.0372772687699765,2.1517859892046234,2.7612489330415588]
[]
["Equity",53.296352000000006,32.588735,20.707617000000006,0.6354225470856727,null,53.296352000000006,59.742664000000019,-6.4463120000000131,-0.10790131487943044,null,null,53.296352000000006,59.742664000000019,25.74953,31.293845999999998,32.588735,27.459004000000004,45.295265000000001,52.250549000000007,56.071378000000003,74.346441493,78.271417743000015,81.539107000000001,81.398777000000024,81.535945000000012,83.486752999999993,87.763936000000001,null,null,32.588735,56.071378000000003,81.398776999999995,81.424154000000001,78.868459000000001,null,null,53.296352000000006,59.742664000000019,25.74953,31.293845999999998,32.588735,27.459004000000004]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–","–","–","–","–",5.4402995505209648E-2,null,null,"–","–","–",4.5948735638429078E-2,1.4448075319456577E-2,null,null,"–","–","–","–","–","–"]
["Return on equity after tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–","–","–","–","–","–","–","–","–","–","–",3.9910606722743686E-2,null,null,"–","–","–",3.2550043289973817E-2,9.0218319002798274E-3,null,null,"–","–","–","–","–","–"]
["Cost/income ratio**",1.0952855216370225,0.89093502618188725,20.435049545513529,0.22936632801482926,null,1.1998374461953742,0.9205912298116038,27.924621638377044,0.30333356145584545,null,null,1.1998374461953742,0.9205912298116038,0.856327018506718,1.7387826055368589,1.7122093495313984,0.81587631124613913,0.70503142971081811,0.74608422627486137,0.69115972785470203,0.73456450344494595,0.73032692202578708,0.72585569211759138,0.59602927685932983,0.68518823743058943,0.68345517398972411,0.69306082056882301,null,null,0.89093502618188725,0.72030953413235976,0.66615861645620111,0.68311521049004287,0.82385819437628593,null,null,1.0952855216370225,1.0546351214774523,1.1459533518072833,1.7387826055368589,0.89093502618188725,0.75188488515333585]
["Net interest margin (avg. interest bearing assets)",1.2187088371703767E-2,1.4302010538229881E-2,-0.21149221665261142,-0.14787586408727904,null,1.3083412486129424E-2,1.1724975210258927E-2,0.13584372758704971,0.11585843479497626,null,null,1.3083412486129424E-2,1.1724975210258927E-2,1.1579853503166482E-2,1.2377218536957836E-2,1.3633063260280347E-2,1.4165540377538017E-2,1.4961812925221286E-2,1.4513817616166321E-2,1.6023774667399925E-2,1.5892143030248836E-2,1.5774511065440713E-2,1.542274221106921E-2,1.8403527966042013E-2,null,null,null,null,null,1.4302010538229881E-2,1.5726354742612504E-2,1.9341370196002405E-2,null,null,null,null,1.2187088371703767E-2,1.186718131905481E-2,1.1983549623462649E-2,1.2377218536957836E-2,1.4302010538229881E-2,1.4530177427417058E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.4352147801435738E-2,5.7107599803386658E-2,-3.2755452001950918,-0.57357430735529569,null,3.2354564459395309E-2,4.5799825731368225E-2,-1.3445261271972917,-0.29356577360870351,null,null,3.2354564459395309E-2,4.5799825731368225E-2,2.5944418928905571E-2,-2.3302180218861815E-3,0.11682499373860729,6.6866081495236915E-2,3.0807379623300234E-2,1.8715330367781516E-2,7.8990961998080436E-2,1.2363949579292013E-2,8.5635468249342962E-3,7.2011699573646263E-3,1.4962680065355463E-2,1.0179875747620909E-2,2.2367567828087541E-2,6.7940506663381707E-3,null,null,5.7107599803386658E-2,2.6655036835688813E-2,1.4962680065355463E-2,6.9108826232904524E-3,null,null,null,2.4352147801435738E-2,2.2045804929635159E-2,1.1426451751119008E-2,-2.3302180218861815E-3,5.7107599803386658E-2,3.8626030199701768E-2]
[]
["NPL ratio",0.25232551209369403,0.28321075289099784,-3.0885240797303815,-0.10905391296774292,null,0.25232551209369403,0.29667093479706463,-4.4345422703370607,-0.1494768024164711,null,null,0.25232551209369403,0.29667093479706463,0.30061037002185453,0.28447990686469449,0.28321075289099784,0.20299770682487842,0.17155816621055345,0.15793714739770578,0.14659864244906481,0.10472950733730087,9.1242629766889558E-2,7.0263968639889846E-2,6.7107351227397971E-2,6.5338567390576655E-2,6.0563031769579938E-2,5.1146440683834435E-2,null,null,0.28321075289099784,0.14659864244906481,6.7107351227397971E-2,null,null,null,null,0.25232551209369403,0.29667093479706463,0.30061037002185453,0.28447990686469449,0.28321075289099784,0.20299770682487842]
["NPL coverage ratio",0.59862717006017208,0.47276244346749158,12.58647265926805,0.26623249865095366,null,0.59862717006017208,0.50594036996655556,9.2686800093616526,0.18319708328422868,null,null,0.59862717006017208,0.50594036996655556,0.4603972831324335,0.43466323217920566,0.47276244346749158,0.50111456003856036,0.46895283553129508,0.44022010010211093,0.43459611852625357,0.41865899009239987,0.44982137051034177,0.56677918583336806,0.56018035998974092,0.52826871357549843,0.57889152093690321,0.59957747720393062,null,null,0.47276244346749158,0.43459611852625357,0.56018035998974092,null,null,null,null,0.59862717006017208,0.50594036996655556,0.4603972831324335,0.43466323217920566,0.47276244346749158,0.50111456003856036]
[]
["Number of employees",230,245,-15,-6.1224489795918324E-2,null,230,231,-1,-4.3290043290042934E-3,null,null,230,231,226,247,245,253,264,276,310,321,326,319,323,342,357,353,null,null,245,310,323,352,352,null,null,230,231,226,247,245,253]
["Business outlets",14,16,-2,-0.125,null,14,14,0,0,null,null,14,14,14,16,16,17,17,17,17,17,17,17,17,17,17,17,null,null,16,17,17,17,17,null,null,14,14,14,16,16,17]
["Number of customers ",63426,65441,-2015,-3.0791094268119323E-2,null,63426,63953,-527,-8.2404265632574081E-3,null,null,63426,63953,64306,64528,65441,65719,66019,66404,68593,67914,67718,67720,67526,67823,67102,67040,null,null,65441,68593,67526,66899,67364,null,null,63426,63953,64306,64528,65441,65719]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",307.36745484799997,311.61441996500002,-4.2469651170000589,-1.362891074641881E-2,null,66.835737205000001,77.182951369000008,-10.347214164000007,-0.13406087718169191,null,null,66.835737205000001,77.182951369000008,83.560152080000009,79.788614194000004,78.235552019000011,82.305543798000002,75.530624936000009,75.542699212000002,83.08291754899993,81.819750158410088,61.125555995589934,43.185126181000001,44.091938418000019,49.178970039999989,48.960711713999991,48.95828427,null,null,311.61441996500002,269.21334988399997,191.189904442,177.93227847600002,122.962307,null,null,307.36745484799997,240.53171764300001,163.34876627400001,79.788614194000004,311.61441996500002,233.37886794600001]
["Net fee and commission income",146.381320652,160.628930588,-14.247609936000003,-8.8698903017314756E-2,null,35.682764198000001,37.157995307999997,-1.4752311099999957,-3.970157964044907E-2,null,null,35.682764198000001,37.157995307999997,36.205019716000002,37.335541429999999,38.08243739600001,42.176664634999987,42.358944002000008,38.010884554999997,42.154592751000003,43.294689280999997,38.104004977000002,30.658005508999999,35.854963950000005,33.789091381999988,34.468545776000006,34.156308277000001,null,null,160.628930588,154.21129251799999,138.268909385,132.09751454899998,120.98858300000001,null,null,146.381320652,110.698556454,73.540561146000002,37.335541429999999,160.628930588,122.546493192]
["Net trading income",4.1597991809999995,6.8313352199999997,-2.6715360390000003,-0.39107084529808811,null,0.99474429799999997,2.8372443930000002,-1.8425000950000001,-0.64939773942131462,null,null,0.99474429799999997,2.8372443930000002,0.67095791100000002,-0.34314742100000001,-1.4313609060000001,1.1889610499999996,-7.8081402999999998,14.881875376,0.78156096700000077,-1.9051837344100697,10.256761897410067,10.174278619000001,15.351041395999999,6.6985032089999974,4.773657963999999,5.5914263760000003,null,null,6.8313352199999997,19.307417748999999,32.414628944999997,23.031890692000001,32.507033,null,null,4.1597991809999995,3.1650548829999998,0.32781049000000001,-0.34314742100000001,6.8313352199999997,8.2626961259999998]
["Sundry net operating income",1.9840864140000001,25.345357943,-23.361271529,-0.92171795646121568,null,-3.9815258,2.8713906349999996,-6.8529164349999991,"–",null,null,-3.9815258,2.8713906349999996,0.77722589300000022,2.3169956859999998,2.4060296819999998,3.4904211160000003,16.146653463,3.3022536819999999,13.024180080999999,-2.7524173609999996,4.2319120909999999,2.8633101509999999,5.0340438380000023,1.1589901109999996,1.4496409499999992,8.7184016740000008,null,null,25.345357943,17.366984962,16.361076573000002,-5.8399566399999996,-3.4241860000000002,null,null,1.9840864140000001,5.9656122140000001,3.0942215790000001,2.3169956859999998,25.345357943,22.939328261]
["Operating income",459.89266109499994,504.42004371600007,-44.527382621000129,-8.8274411724348689E-2,null,99.531719901000002,120.04958170500001,-20.517861804000006,-0.17091156431031074,null,null,99.531719901000002,120.04958170500001,121.21335560000001,119.098003889,117.29265819100003,129.16159059899999,126.22808210100001,131.73771282500002,139.04325134799996,120.45683834400002,113.71823496100001,86.880720460000006,100.33198760200001,90.825554741999952,89.652556403999995,97.424420597000008,null,null,504.42004371600007,460.09904511299999,378.23451934499997,327.22172707699997,273.03373699999997,null,null,459.89266109499994,360.36094119399996,240.31135948900001,119.098003889,504.42004371600007,387.12738552500002]
["Staff expenses",-143.81284764199998,-158.694125106,14.881277464000021,-9.3773335679944392E-2,null,-33.379539346999998,-34.787373362000004,1.4078340150000059,-4.0469684225652225E-2,null,null,-33.379539346999998,-34.787373362000004,-37.473187091000007,-38.172747842,-42.114530741999999,-38.338128948000005,-38.150968079999998,-40.090497335999999,-48.822653418999998,-37.928933588999996,-32.748099338999999,-22.109966088,-26.073580855999989,-22.107199297000005,-23.625936472999999,-23.225625638,null,null,-158.694125106,-141.60965243499999,-95.032342263999993,-84.106933247000001,-66.056605000000005,null,null,-143.81284764199998,-110.433308295,-75.645934933000007,-38.172747842,-158.694125106,-116.579594364]
["Other administrative expenses",-134.532261562,-165.66432865799999,31.132067095999986,-0.18792257420889624,null,-32.330325028000004,-29.297146724000001,-3.0331783040000033,0.10353152587092196,null,null,-32.330325028000004,-29.297146724000001,-35.749197965,-37.155591844999996,-43.745118839999989,-39.393153842999993,-41.559984315000008,-40.966071659999997,-54.137520999999992,-44.342287690000006,-31.304080758000001,-22.077416793000001,-26.000331313,-23.317451107999997,-21.957850989000004,-20.749004944999999,null,null,-165.66432865799999,-151.86130624099999,-92.024638355000008,-82.074910219000003,-69.353057000000007,null,null,-134.532261562,-102.201936534,-72.904789809999997,-37.155591844999996,-165.66432865799999,-121.919209818]
["Depreciation on intangible and tangible fixed ass.",-43.132447681000002,-38.010876304,-5.1215713770000022,0.13473962915348636,null,-13.676221764000001,-9.2459230999999988,-4.4302986640000022,0.47916239580231879,null,null,-13.676221764000001,-9.2459230999999988,-10.180831169999999,-10.029471646999999,-10.598160104000003,-9.3853017019999978,-9.0308724869999981,-8.9965420110000007,-11.721249549000001,-10.381935525999998,-7.8180411330000004,-5.97053805,-5.4318870310000023,-5.7512583259999985,-5.2912386669999982,-5.2302167970000006,null,null,-38.010876304,-35.891764258000002,-21.704600821,-17.588711418000003,-14.18904,null,null,-43.132447681000002,-29.456225917000001,-20.210302816999999,-10.029471646999999,-38.010876304,-27.412716199999998]
["General administrative expenses",-321.47755688500001,-362.36933006800001,40.891773182999998,-0.1128455688436063,null,-79.386086139,-73.330443185999997,-6.0556429530000031,8.2580203935766372E-2,null,null,-79.386086139,-73.330443185999997,-83.403216226000012,-85.35781133399999,-96.457809686000004,-87.116584493000019,-88.741824881999989,-90.053111006999998,-114.68142396800002,-92.653156805000009,-71.870221229999999,-50.157920931,-57.505799199999984,-51.175908730999993,-50.875026129000005,-49.204847380000004,null,null,-362.36933006800001,-329.36272293400003,-208.76158143999999,-183.77055488400001,-149.598702,null,null,-321.47755688500001,-242.091470746,-168.76102756,-85.35781133399999,-362.36933006800001,-265.91152038199999]
["Operating result",138.41510420999992,142.05071364800006,-3.6356094380001309,-2.5593742858688651E-2,null,20.145633762000003,46.719138519000012,-26.573504757000009,-0.56879269608520167,null,null,20.145633762000003,46.719138519000012,37.810139374000002,33.740192555000007,20.834848505000025,42.045006105999974,37.486257219000024,41.684601818000019,24.361827379999937,27.80368153900001,41.848013731000009,36.722799529000007,42.826188402000028,39.649646010999945,38.77753027499999,48.219573217000004,null,null,142.05071364800006,130.73632217899996,169.47293790499998,143.45117219299996,123.43503499999997,null,null,138.41510420999992,118.26947044799996,71.550331929000009,33.740192555000007,142.05071364800006,121.21586514300003]
["Net provisioning for impairment losses",-25.407328761999999,-86.020759436999995,60.613430674999996,-0.70463724189033861,null,28.472601486999999,-15.358098710999998,43.830700197999995,"–",null,null,28.472601486999999,-15.358098710999998,-19.276515041,-19.245316497000001,-12.01319827399999,-29.769938078000003,-27.990292176000004,-16.247330908999999,-49.733220357999997,-28.038948243999997,-41.361881248000003,-7.6942203520000003,-22.094327862000011,-13.299843912999997,-9.1869593250000001,-13.331142941,null,null,-86.020759436999995,-126.828270202,-57.912274041000003,-61.275963413999996,-75.553444999999996,null,null,-25.407328761999999,-53.879930248999997,-38.521831538000001,-19.245316497000001,-86.020759436999995,-74.007561163000005]
["Other results",-3.8152958150000003,-1.734824275,-2.0804715400000005,1.1992405052090942,null,-0.48008016700000006,-0.34626540699999997,-0.13381476000000009,0.38645142510582953,null,null,-0.48008016700000006,-0.34626540699999997,-2.9055916219999998,-8.3358619000000009E-2,5.6171930999999731E-2,3.3848128000000699E-2,10.796061428,-12.620905762,2.1642408279999996,-0.34478788900000001,0,0.34478788900000001,0.14860319700000002,-0.15548082099999999,0.21432347900000001,-1.4313392000000008E-2,null,null,-1.734824275,2.1642408279999996,0.19313246300000003,4.3827988999999998E-2,-2.5831170000000001,null,null,-3.8152958150000003,-3.3352156480000001,-2.988950241,-8.3358619000000009E-2,-1.734824275,-1.790996206]
["Net income from derivatives",6.1285862000000003E-2,0.135286832,-7.4000969999999999E-2,-0.54699314712314351,null,8.6383199999999997E-3,2.5705720000000001E-2,-1.7067400000000003E-2,-0.66395339247451535,null,null,8.6383199999999997E-3,2.5705720000000001E-2,1.7351914000000003E-2,9.5899079999999994E-3,5.7592855999999415E-2,4.518981800000077E-2,10.745122889999999,-10.712618731999999,4.2150636999999984E-2,0.10750857900000001,-1.130245E-2,0,0,0,0,0,null,null,0.135286832,0.13835676599999999,0,0,0,null,null,6.1285862000000003E-2,5.2647541999999999E-2,2.6941822000000001E-2,9.5899079999999994E-3,0.135286832,7.7693975999999998E-2]
["Net income from financial investments",-3.8765816770000003,-5.6196530000000001E-2,-3.8203851470000005,">500,0%",null,-0.48871848700000003,-0.37197112699999996,-0.11674736000000008,0.3138613497815923,null,null,-0.48871848700000003,-0.37197112699999996,-2.922943536,-9.2948527000000003E-2,1.5759319999999952E-3,-1.7513804999999993E-2,3.1116972999999992E-2,-7.1375629999999995E-2,1.8590640619999999,-4.3551920000000022E-2,-0.134415969,0.34478788900000001,0.14860319700000002,-0.15548082099999999,0.21432347900000001,-1.4313392000000008E-2,null,null,-5.6196530000000001E-2,2.0258840619999998,0.19313246300000003,4.3827988999999998E-2,-2.5831170000000001,null,null,-3.8765816770000003,-3.38786319,-3.0158920629999999,-9.2948527000000003E-2,-5.6196530000000001E-2,-5.7772461999999997E-2]
["Net income from disposal from group assets",0,-1.813914577,1.813914577,"–",null,0,0,0,"–",null,null,0,0,0,0,-2.9968570000000749E-3,6.1721150000000335E-3,1.9821564999999985E-2,-1.8369114,0,0,0,0,0,0,0,0,null,null,-1.813914577,0,0,0,0,null,null,0,0,0,0,-1.813914577,-1.81091772]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",109.192479633,54.295129936000002,54.897349697000003,1.0110915981177291,null,48.138155082000004,31.014774401,17.123380681000004,0.55210398952467954,null,null,48.138155082000004,31.014774401,15.628032710999999,14.411517439000001,8.8778221620000011,12.308916156000002,20.292026471,12.816365147000001,-23.470178278999999,-0.1713100460000021,0.34041406400000002,29.373367066,20.880463736999999,26.194321277,29.804894429000001,34.874116884000003,null,null,54.295129936000002,6.072292805,111.753796327,82.219036768000009,45.298473000000001,null,null,109.192479633,61.054324551000001,30.03955015,14.411517439000001,54.295129936000002,45.417307774000001]
["Income taxes",-25.396342778000001,-13.544116839999999,-11.852225938000002,0.87508296613306547,null,-10.611360467000001,-6.3710394250000002,-4.2403210420000006,0.66556189016205947,null,null,-10.611360467000001,-6.3710394250000002,-4.7161191299999992,-3.697823756,-2.6303891609999983,-3.0098326490000016,-4.3951080139999998,-3.5087870159999999,2.417084375,-0.99747954800000027,-0.70352857700000004,-5.9014119159999998,-4.5914674379999978,-6.0538470630000019,-7.162700106,-6.1943965319999998,null,null,-13.544116839999999,-5.1853356660000003,-24.002411138999999,-22.152676228000001,-11.587358,null,null,-25.396342778000001,-14.784982311,-8.4139428859999992,-3.697823756,-13.544116839999999,-10.913727679000001]
["Profit/loss after tax",83.796136855,40.751013096000001,43.045123758999999,1.056295794600139,null,37.526794615,24.643734976000001,12.883059638999999,0.52277220362686627,null,null,37.526794615,24.643734976000001,10.911913580999999,10.713693683000001,6.2474330010000045,9.2990835069999953,15.896918457000002,9.3075781309999996,-21.053093904000001,-1.1687895939999997,-0.36311451300000003,23.471955149999999,16.288996299000008,20.140474213999997,22.642194322999995,28.679720352,null,null,40.751013096000001,0.88695713899999995,87.751385188,60.066360539999998,33.711115999999997,null,null,83.796136855,46.26934224,21.625607263999999,10.713693683000001,40.751013096000001,34.503580094999997]
[]
[]
["Total assets",13728.873136067999,12880.942281485,847.93085458299902,6.5828324982234454E-2,null,13728.873136067999,13450.615382737,278.25775333099955,2.0687362281440747E-2,null,null,13728.873136067999,13450.615382737,13307.331843321001,13070.394219086,12880.942281485,12707.739285141,12639.328173413,13067.564841883001,13428.23101399,13711.394356692999,13727.391909477999,7750.2749706169989,7368.0393068580006,7233.587686040999,7172.8091642319987,6832.421049470001,null,null,12880.942281485,13428.23101399,7368.0393068580006,6928.0051353459976,6240.7597610000003,null,null,13728.873136067999,13450.615382737,13307.331843321001,13070.394219086,12880.942281485,12707.739285141]
["Loans and advances to customers",9791.298785687999,9744.1622899169997,47.136495770999318,4.8374087344351668E-3,null,9791.298785687999,9867.005816977,-75.707031289000952,-7.6727461900083505E-3,null,null,9791.298785687999,9867.005816977,10114.30442119,10096.768271769,9744.1622899169997,9831.8745556659997,9767.5477293900003,10057.351373793001,10451.179230485999,10560.953609581,10587.630912492001,5568.9800806799994,5340.332945490999,5347.2905271279997,5581.487913691999,5188.6533254370006,null,null,9744.1622899169997,10451.179230485999,5340.332945490999,5127.0314729559996,4820.0481110000001,null,null,9791.298785687999,9867.005816977,10114.30442119,10096.768271769,9744.1622899169997,9831.8745556659997]
["  Hereof corporate %",0.37989173544954125,0.33514457169328671,4.4747163756254533,0.1335160033479692,null,0.37989173544954125,0.35330128071902062,2.6590454730520632,7.5262831418004161E-2,null,null,0.37989173544954125,0.35330128071902062,0.36709466118479334,0.36308093837552768,0.33514457169328671,0.33034787362532581,0.32610405395499464,0.3240189190970863,0.32315636350693067,0.3232114257859659,0.31958348378404949,0.62090526451881678,0.61763601633081677,0.605690993813503,0.59997405709731888,0.57949471664418495,null,null,0.33514457169328671,0.32315636350693067,0.61763601633081677,0.57175936716590947,0.69699999999999995,null,null,0.37989173544954125,0.35330128071902062,0.36709466118479334,0.36308093837552768,0.33514457169328671,0.33034787362532581]
["  Hereof retail % ",0.61895466134262789,0.66387176239475498,-4.4917101052127091,-6.7659303492740297E-2,null,0.61895466134262789,0.64597032171941793,-2.7015660376790041,-4.1821829066203575E-2,null,null,0.61895466134262789,0.64597032171941793,0.63213118767242904,0.63609176718728211,0.66387176239475498,0.66836874960269532,0.67288484274661353,0.67505230751119261,0.67574806631864215,0.67582057454279221,0.6795353937061086,0.37692288354420378,0.37611175183270407,0.38565677461727815,0.39240163196624267,0.4123077800731712,null,null,0.66387176239475498,0.67574806631864215,0.37611175183270407,0.41909147808936598,0.30299999999999999,null,null,0.61895466134262789,0.64597032171941793,0.63213118767242904,0.63609176718728211,0.66387176239475498,0.66836874960269532]
["  Hereof FCY % ",0.5878339493452166,0.55397332673591793,3.3860622609298674,6.1123200297042768E-2,null,0.5878339493452166,0.56883276284330619,1.9001186501910405,3.340381873739684E-2,null,null,0.5878339493452166,0.56883276284330619,0.54541595450129376,0.51373507446964539,0.55397332673591793,0.55637426708700055,0.56043831590694126,0.5477259166219699,0.54042179121038336,0.5403193888498099,0.54855860088090203,0.38158405474858931,0.39792163179530393,0.39740387944496897,0.36300732552509951,0.35529469486087434,null,null,0.55397332673591793,0.54042179121038336,0.39792163179530393,0.36152303916545653,0.38400000000000001,null,null,0.5878339493452166,0.56883276284330619,0.54541595450129376,0.51373507446964539,0.55397332673591793,0.55637426708700055]
["Deposits from customers",7736.8728334739999,7279.96670197,456.90613150399986,6.2762118318530069E-2,null,7736.8728334739999,7719.8363543659989,17.036479108001004,2.20684459177245E-3,null,null,7736.8728334739999,7719.8363543659989,7512.6388000389998,7369.7712409209998,7279.96670197,7052.6193028759999,7178.7264134549996,7730.5360250229996,7900.9588105049997,7919.772772796,8137.8839046310004,4574.0854669819992,4355.547615298,4097.9754031780003,3981.7200989899989,3667.8722747219999,null,null,7279.96670197,7900.9588105049997,4355.547615298,3895.8733388680012,3523.8079240000002,null,null,7736.8728334739999,7719.8363543659989,7512.6388000389998,7369.7712409209998,7279.96670197,7052.6193028759999]
["Loan/deposit ratio (net)*",1.1622595134193212,1.2417436606268768,-7.9484147207555589,-6.401010911336491E-2,null,1.1622595134193212,1.1753123853315737,-1.3052871912252462,-1.1105874553147044E-2,null,null,1.1622595134193212,1.1753123853315737,1.1956985575634711,1.2805921965040061,1.2417436606268768,1.3940741919327255,1.3606240392561559,1.3049729781338184,1.3227735368763427,1.3334919968736121,1.3010299773958351,1.2175067826956094,1.2260990849311657,1.3048615477245542,1.4017780695101587,1.4146221397063958,null,null,1.2417436606268768,1.3227735368763427,1.2260990849311657,1.316015955088963,1.3678521119643183,null,null,1.1622595134193212,1.1753123853315737,1.1956985575634711,1.2805921965040061,1.2417436606268768,1.3940741919327255]
[]
["Equity",1440.951240653,1474.5494924659999,-33.598251812999933,-2.2785435134368481E-2,null,1440.951240653,1533.873725487,-92.922484833999988,-6.0580270259533497E-2,null,null,1440.951240653,1533.873725487,1488.3159482240001,1472.8262821700002,1474.5494924659999,1446.0196253280001,1400.641211635,1424.4595735819998,1469.7297755469999,1514.3029225299999,1372.411836448,813.96666793199995,735.78197544900013,712.76591295800006,765.63491657899999,741.37002108999991,null,null,1474.5494924659999,1469.7297755469999,735.78197544900002,766.72221926700001,685.13644599999998,null,null,1440.951240653,1533.873725487,1488.3159482240001,1472.8262821700002,1474.5494924659999,1446.0196253280001]
["Return on equity before tax",7.5051377459766477E-2,3.7408472065852079E-2,3.7642905393914399,1.0062668512001673,null,0.13529638213006723,8.3952166376177015E-2,5.1344215753890214,0.61158893177127216,null,null,0.13529638213006723,8.3952166376177015E-2,4.2687836873888385E-2,3.9812044227351635E-2,2.4961239498086638E-2,3.5332973938929174E-2,5.7814704607813031E-2,3.5549432620284392E-2,"–","–","–",0.16335266125032202,0.1295581246470035,0.15458248420628484,0.16709082241824252,0.18858359740733918,null,null,3.7408472065852079E-2,5.737039144743189E-3,0.15798349446541704,0.12588853613786724,7.1675982951876632E-2,null,null,7.5051377459766477E-2,5.5789340366740554E-2,4.1426879413494558E-2,3.9812044227351635E-2,3.7408472065852079E-2,4.2045137168834006E-2]
["Return on equity after tax",5.7595683493153277E-2,2.8076793201412407E-2,2.9518890291740871,1.0513625997094254,null,0.10547225035315259,6.6706754403116283E-2,3.8765495950036311,0.58113299465556567,null,null,0.10547225035315259,6.6706754403116283E-2,2.9805798051589144E-2,2.9596747778385963E-2,1.7565532237591046E-2,2.6693193051656117E-2,4.5292452485188067E-2,2.5816923740150134E-2,"–","–","–",0.13053342948002847,0.10106920226780507,0.11885646908616183,0.12693562393908694,0.15508707660201806,null,null,2.8076793201412407E-2,8.379878885225176E-4,0.12405189740146373,9.1969773628544693E-2,5.3341254476828283E-2,null,null,5.7595683493153277E-2,4.2279332410209862E-2,2.9823396818388109E-2,2.9596747778385963E-2,2.8076793201412407E-2,3.1941738271430757E-2]
["Cost/income ratio**",0.6990273689507569,0.71838804699050018,-1.9360678039743284,-2.6950167281944326E-2,null,0.79759584399789307,0.61083464135840326,18.676120263948981,0.30574756242403245,null,null,0.79759584399789307,0.61083464135840326,0.6880695267708602,0.71670228338632735,0.82236869019480796,0.67447748273297048,0.70302759421627115,0.68357882550022919,0.82478957343260972,0.76918137715354606,0.63200260938492492,0.57731934847493316,0.57315518783616393,0.56345275155622032,0.56746877244350535,0.50505660776303518,null,null,0.71838804699050018,0.7158517854630817,0.55193688244404204,0.56160865760835055,0.54791288301489283,null,null,0.6990273689507569,0.67180274849951138,0.70225988450506371,0.71670228338632735,0.71838804699050018,0.68688377605057827]
["Net interest margin (avg. interest bearing assets)",2.4370851190261847E-2,2.5448235954323013E-2,-0.10773847640611657,-4.233632405778387E-2,null,2.0683323588664388E-2,2.4124492880862099E-2,-0.34411692921977111,-0.14264214005209541,null,null,2.0683323588664388E-2,2.4124492880862099E-2,2.663790344298337E-2,2.6213539078025275E-2,2.6190193059705404E-2,2.7219979667377284E-2,2.4593724914828783E-2,2.4021046690303645E-2,2.58263871208501E-2,2.5084456933113976E-2,2.3893981827261546E-2,2.4193462705768658E-2,2.5773729515063556E-2,null,null,null,null,null,2.5448235954323013E-2,2.5310655670369057E-2,2.8944188133951637E-2,null,null,null,null,2.4370851190261847E-2,2.5648472188690711E-2,2.64390836955837E-2,2.6213539078025275E-2,2.5448235954323013E-2,2.5191186151257171E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.5683078247818558E-3,8.5188714783649214E-3,-0.59505636535830653,-0.69851548631711413,null,-1.1587001854937207E-2,6.1489856382546748E-3,-1.773598749319188,"–",null,null,-1.1587001854937207E-2,6.1489856382546748E-3,7.6300809299312145E-3,7.7598443025303802E-3,4.9093484524005944E-3,1.2151353298081129E-2,1.1295005146939084E-2,6.3377844946570974E-3,1.8935048902095717E-2,1.0606458589126077E-2,2.0480473913981136E-2,5.6423133765008873E-3,2.5027262505812014E-3,9.7356490370955635E-3,6.824021428148302E-3,1.0338542288982506E-2,null,null,8.5188714783649214E-3,1.6062840440947617E-2,2.5027262505812014E-3,1.2320392713623039E-2,null,null,null,2.5683078247818558E-3,7.2527742941888816E-3,7.759276100899457E-3,7.7598443025303802E-3,8.5188714783649214E-3,9.7299695852213E-3]
[]
["NPL ratio",8.7748065622433716E-2,0.10043588529028251,-1.2687819667848794,-0.12632755345540203,null,8.7748065622433716E-2,0.10182826803155032,-1.4080202409116602,-0.13827400466787876,null,null,8.7748065622433716E-2,0.10182826803155032,0.10070744062893827,0.10022443436970187,0.10043588529028251,0.10257128162999508,9.6621661664400102E-2,9.3215973983260744E-2,9.7690660210074887E-2,9.2489114914193121E-2,8.4601304616990419E-2,6.4078315926823476E-2,6.3778245191168495E-2,6.1218195708513098E-2,5.8568231456361988E-2,6.192722623192113E-2,null,null,0.10043588529028251,9.7690660210074887E-2,6.3778245191168495E-2,null,null,null,null,8.7748065622433716E-2,0.10182826803155029,0.10070744062893827,0.10022443436970187,0.10043588529028251,0.10257128162999508]
["NPL coverage ratio",0.56907540409670332,0.71962315593651105,-15.054775183980773,-0.20920359579575543,null,0.56907540409670332,0.73614574050553505,-16.707033640883175,-0.22695279917547184,null,null,0.56907540409670332,0.73614574050553505,0.71621415481037098,0.70140317170310185,0.71962315593651105,0.7162718786377642,0.72467019961433021,0.72056595282795721,0.73444798318448135,0.72163465654974757,0.74873675655879346,0.61101790236938347,0.57971260483619425,0.58973700474937218,0.60863999256452805,0.62153093640115653,null,null,0.71962315593651105,0.73444798318448135,0.57971260483619425,null,null,null,null,0.56907540409670332,0.73614574050553505,0.71621415481037098,0.70140317170310185,0.71962315593651105,0.7162718786377642]
[]
["Number of employees",5462,5985,-523,-8.7385129490392677E-2,null,5462,5594,-132,-2.3596710761530248E-2,null,null,5462,5594,5731,5847,5985,6124,6080,6134,6656,6471,6218,3183,3169,3149,3134,3153,null,null,5985,6656,3169,3071,3007,null,null,5462,5594,5731,5847,5985,6124]
["Business outlets",351,370,-19,-5.1351351351351382E-2,null,351,369,-18,-4.8780487804878092E-2,null,null,351,369,371,373,370,371,370,371,416,422,443,116,116,116,117,116,null,null,370,416,116,123,124,null,null,351,369,371,373,370,371]
["Number of customers ",689676,776917,-87241,-0.11229127435749253,null,689676,729455,-39779,-5.4532493436880936E-2,null,null,689676,729455,743389,760045,776917,806789,828605,847807,871102,891009,935310,241015,246586,243900,247543,248826,null,null,776917,871102,246586,242781,274567,null,null,689676,729455,743389,760045,776917,806789]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

{"sheet":"SEE-AL","index":20,"n_rows":49,"n_cols":43,"rows_kept":49,"cut":false,"hidden":false,"merged":[[0,36,2,36],[0,11,2,11],[0,29,2,29],[48,0,48,3],[0,28,2,28],[47,0,47,1],[47,2,47,3]]}
["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",79.57961014499999,77.331997576999996,2.2476125679999939,2.9064457642672847E-2,null,19.388577144000003,19.455993527,-6.7416382999997637E-2,-3.4650701803761175E-3,null,null,19.388577144000003,19.455993527,20.203357654999998,20.531681818999999,20.759358822999982,19.308671867000005,19.001208059000003,18.262758827999999,18.641312837000008,17.304100202000001,20.054982680999998,21.478345759,21.581615054000018,21.831609035999996,21.778963028,22.185785301999999,null,null,77.331997576999996,77.478741479000007,87.377972420000006,86.751933750999996,81.628118000000001,null,null,79.57961014499999,60.191033001000001,40.735039473999997,20.531681818999999,77.331997576999996,56.572638754000003]
["Net fee and commission income",10.810513839,8.6654711029999998,2.1450427360000006,0.24753907900718564,null,2.8491084309999999,2.979820787,-0.13071235600000009,-4.3865844741487803E-2,null,null,2.8491084309999999,2.979820787,2.6179996939999999,2.3635849269999998,1.2441057149999999,2.5922734040000002,2.4503787079999997,2.378713276,2.2408211509999996,1.9135453610000004,1.816427727,1.7956147099999999,1.7214096760000004,2.1635943339999999,1.9266499760000002,2.0067935050000001,null,null,8.6654711029999998,7.7664089489999997,7.8184474910000006,8.0278473380000008,8.4409379999999992,null,null,10.810513839,7.9614054080000001,4.9815846209999997,2.3635849269999998,8.6654711029999998,7.4213653879999999]
["Net trading income",18.204095590999998,20.576464852000001,-2.3723692610000029,-0.11529527924566751,null,4.407855294,4.0679678780000001,0.33988741599999983,8.3552138609094495E-2,null,null,4.407855294,4.0679678780000001,4.6269685709999999,5.1013038479999997,4.5479609590000001,5.6340904690000011,5.5301287189999995,4.8642847050000002,4.7934161379999995,5.4803203420000006,3.9539718929999998,4.3137491689999994,3.8910474999999991,3.7180444329999993,3.177448322,3.3131600260000003,null,null,20.576464852000001,18.541457542,14.099700280999999,14.913964504000001,9.0448540000000008,null,null,18.204095590999998,13.796240297000001,9.7282724189999996,5.1013038479999997,20.576464852000001,16.028503893]
["Sundry net operating income",2.1875953290000001,-1.049985078,3.2375804070000003,"–",null,1.6094884190000001,0.73187944199999999,0.87760897700000007,1.1991168581013376,null,null,1.6094884190000001,0.73187944199999999,0.166898297,-0.32067082899999999,-2.4351590849999996,0.32398486299999996,0.54646840900000004,0.51472073500000004,-0.29689611999999993,-7.419127200000003E-2,-0.31733737299999998,-3.8719694999999998E-2,-0.87379006600000009,0.16081280100000001,-0.14233093099999999,3.0061435000000001E-2,null,null,-1.049985078,-0.72714445999999999,-0.82524676100000005,0.12962279200000001,1.297005,null,null,2.1875953290000001,0.57810691000000003,-0.15377253199999999,-0.32067082899999999,-1.049985078,1.385174007]
["Operating income",110.78181490399999,105.52394845399999,5.2578664499999945,4.9826286137236497E-2,null,28.255029288000006,27.235661634000003,1.0193676540000034,3.742768094634652E-2,null,null,28.255029288000006,27.235661634000003,27.615224217000005,27.675899764999997,24.116266411999984,27.859020603000005,27.528183895000002,26.020477543999998,25.378654006000005,24.623774633000004,25.508044927999997,27.548989942999999,26.32028216400002,27.874060603999979,26.740730395,27.535800268000003,null,null,105.52394845399999,103.05946351,108.470873431,109.82336838500001,100.410915,null,null,110.78181490399999,82.526785615999998,55.291123982000002,27.675899764999997,105.52394845399999,81.407682042000005]
["Staff expenses",-16.672277139000002,-16.661716820999999,-1.0560318000003122E-2,6.3380731490370046E-4,null,-4.349574939,-4.4725293710000003,0.12295443200000022,-2.7491028409391771E-2,null,null,-4.349574939,-4.4725293710000003,-4.1477400339999999,-3.702432795,-4.1565372599999986,-4.4934573970000002,-4.1815922350000001,-3.8301299289999999,-5.5168256109999998,-4.2217639649999992,-4.1924784370000001,-3.7334768889999999,-4.5448133090000002,-3.8331026809999997,-3.519903749,-3.4366993859999999,null,null,-16.661716820999999,-17.664544901999999,-15.334519125,-14.394189615,-12.851599,null,null,-16.672277139000002,-12.322702199999998,-7.8501728289999999,-3.702432795,-16.661716820999999,-12.505179561]
["Other administrative expenses",-20.508066168000003,-20.893781932,0.38571576399999685,-1.846079207944884E-2,null,-5.4009028130000001,-5.3387788460000003,-6.212396699999978E-2,1.1636362694915858E-2,null,null,-5.4009028130000001,-5.3387788460000003,-5.2318682130000003,-4.5365162960000003,-6.1159172039999969,-5.024310122000001,-5.9694019259999997,-3.78415268,-6.3777650739999991,-4.553227485999999,-5.2912513350000001,-3.7461905350000002,-5.7992100800000008,-4.363275783999998,-4.6444965500000004,-4.2438580860000004,null,null,-20.893781932,-19.968434429999999,-19.0508405,-16.681703024000001,-14.61,null,null,-20.508066168000003,-15.107163355000001,-9.7683845090000005,-4.5365162960000003,-20.893781932,-14.777864728000001]
["Depreciation on intangible and tangible fixed ass.",-5.081312606,-4.4696686940000001,-0.6116439119999999,0.13684323243489138,null,-1.3211637409999999,-1.282461743,-3.8701997999999849E-2,3.0177896698474704E-2,null,null,-1.3211637409999999,-1.282461743,-1.2405249159999998,-1.237162206,-1.568149961,-0.93045721800000003,-0.99259091499999996,-0.97847059999999997,-1.0833680539999999,-1.1497848370000001,-1.153113082,-1.1326621720000001,-1.0892056050000003,-1.1398161699999998,-1.1374205839999998,-1.0609745530000001,null,null,-4.4696686940000001,-4.5189281450000003,-4.427416912,-4.3675890530000006,-5.2689519999999996,null,null,-5.081312606,-3.7601488650000001,-2.4776871219999999,-1.237162206,-4.4696686940000001,-2.9015187330000001]
["General administrative expenses",-42.261655912999998,-42.025167446999994,-0.23648846600000439,5.6273057400246795E-3,null,-11.071641493,-11.093769960000001,2.2128467000001706E-2,-1.9946751266511908E-3,null,null,-11.071641493,-11.093769960000001,-10.620133163,-9.476111297000001,-11.840604424999986,-10.448224737000006,-11.143585075999999,-8.5927532089999996,-12.977958738999996,-9.9247762879999986,-10.636842854000001,-8.6123295960000004,-11.433228993999997,-9.3361946349999982,-9.3018208830000013,-8.7415320250000015,null,null,-42.025167446999994,-42.151907476999995,-38.812776536999998,-35.443481691999999,-32.730550999999998,null,null,-42.261655912999998,-31.190014420000001,-20.096244460000001,-9.476111297000001,-42.025167446999994,-30.184563022000003]
["Operating result",68.520158990999988,63.498781006999998,5.0213779839999901,7.9078336691950746E-2,null,17.183387795000009,16.141891674,1.0414961210000051,6.452131770141678E-2,null,null,17.183387795000009,16.141891674,16.995091054000007,18.199788467999994,12.275661986999998,17.410795866000001,16.384598819000004,17.427724335000001,12.400695267000009,14.698998345000005,14.871202073999996,18.936660347,14.887053170000033,18.537865968999977,17.438909511999999,18.794268243000001,null,null,63.498781006999998,60.907556033000006,69.65809689400001,74.379886693000003,67.680363999999997,null,null,68.520158990999988,51.336771196000001,35.194879522000001,18.199788467999994,63.498781006999998,51.223119019999999]
["Net provisioning for impairment losses",-29.298892127000002,-29.114754867999999,-0.18413725900000344,6.3245340664841443E-3,null,-10.460647064,-7.0438757000000001,-3.4167713639999997,0.48506979815103768,null,null,-10.460647064,-7.0438757000000001,-5.7145758679999998,-6.0797934949999997,-11.291646397999997,-6.751695981000001,-7.061323539,-4.0100889500000001,-8.0152434090000018,-5.9575240029999996,-2.217189216,-4.0738050000000001,3.0509453890000029,-4.2896432660000041,-10.235287848999999,-2.8235458840000001,null,null,-29.114754867999999,-20.263761628000001,-14.29753161,-31.030401634,-28.705172999999998,null,null,-29.298892127000002,-18.838245063000002,-11.794369362999999,-6.0797934949999997,-29.114754867999999,-17.823108470000001]
["Other results",5.3968483999999997E-2,0.23062153899999999,-0.176653055,-0.76598680143228082,null,4.6959109999999998E-2,7.0093739999999996E-3,3.9949736E-2,">500,0%",null,null,4.6959109999999998E-2,7.0093739999999996E-3,0,0,0.23062153899999999,0,0,0,0,0,0,0,0,0,0,0,null,null,0.23062153899999999,0,0,0,0,null,null,5.3968483999999997E-2,7.0093739999999996E-3,0,0,0.23062153899999999,0]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Net income from financial investments",5.3968483999999997E-2,0.23062153899999999,-0.176653055,-0.76598680143228082,null,4.6959109999999998E-2,7.0093739999999996E-3,3.9949736E-2,">500,0%",null,null,4.6959109999999998E-2,7.0093739999999996E-3,0,0,0.23062153899999999,0,0,0,0,0,0,0,0,0,0,0,null,null,0.23062153899999999,0,0,0,0,null,null,5.3968483999999997E-2,7.0093739999999996E-3,0,0,0.23062153899999999,0]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",39.275235347999995,34.614647677999997,4.6605876699999982,0.13464206579118598,null,6.7696998410000004,9.1050253479999999,-2.3353255069999994,-0.25648753493179177,null,null,6.7696998410000004,9.1050253479999999,11.280515185999999,12.119994973000001,1.2146371279999997,10.659099884999996,9.3232752800000007,13.417635385000001,4.3854518580000033,8.7414743419999965,12.654012858,14.862855347,17.937998559,14.248222703000003,7.2036216629999998,15.970722359,null,null,34.614647677999997,40.643794405000001,55.360565284000003,43.349485059000003,38.975191000000002,null,null,39.275235347999995,32.505535506999998,23.400510159,12.119994973000001,34.614647677999997,33.400010549999998]
["Income taxes",-5.7909093010000001,-3.0897255509999999,-2.7011837500000002,0.87424714765547806,null,-0.771766124,-1.41056654,0.63880041600000004,-0.45286797742983464,null,null,-0.771766124,-1.41056654,-1.740769419,-1.867807218,0.39292255799999998,-1.1276843379999999,-0.99678088699999989,-1.3581828840000001,0.57023854299999988,-0.97047920099999985,-1.3935788090000001,-1.5477762290000001,-1.6368472539999996,-1.4977839009999996,-0.71393909300000002,-2.1322666090000002,null,null,-3.0897255509999999,-3.3415956960000002,-5.9808368569999999,-4.5128368310000004,-4.1288419999999997,null,null,-5.7909093010000001,-5.0191431770000001,-3.6085766370000001,-1.867807218,-3.0897255509999999,-3.4826481089999999]
["Profit/loss after tax",33.484326046999996,31.524922127,1.9594039199999962,6.2154124032612224E-2,null,5.9979337170000004,7.6944588080000003,-1.6965250909999998,-0.22048660384484831,null,null,5.9979337170000004,7.6944588080000003,9.5397457670000012,10.252187755,1.6075596860000019,9.5314155469999999,8.3264943929999991,12.059452501000001,4.9556904010000054,7.7709951409999967,11.260434049000001,13.315079118,16.301151305000005,12.750438801999996,6.4896825700000011,13.83845575,null,null,31.524922127,37.302198709000002,49.379728427000003,38.836648228000001,34.846350000000001,null,null,33.484326046999996,27.486392329999997,19.791933522000001,10.252187755,31.524922127,29.917362441000002]
[]
[]
["Total assets",1975.6608485100001,2084.454706513,-108.79385800299997,-5.2192958505199116E-2,null,1975.6608485100001,1974.5900471,1.0708014100000582,5.4229049294196585E-4,null,null,1975.6608485100001,1974.5900471,1965.75688769,2052.3888283860001,2084.454706513,2160.5138715130001,2181.1083866160002,2237.7203677279999,2289.4832274300002,2361.4880605899998,2355.799785664,2286.6864137880002,2329.5464831049999,2155.846247601,2093.8181104270002,2007.7087773420001,null,null,2084.454706513,2289.4832274300002,2329.5464831049999,2008.8709571249999,1841.746132,null,null,1975.6608485100001,1974.5900471,1965.75688769,2052.3888283860001,2084.454706513,2160.5138715130001]
["Loans and advances to customers",899.34148631500011,916.210597732,-16.869111416999885,-1.841182743220604E-2,null,899.34148631500011,910.59715254799994,-11.255666232999829,-1.2360752723094559E-2,null,null,899.34148631500011,910.59715254799994,891.54354480999996,902.83287660899998,916.210597732,898.94403063499999,928.20397871,954.83513024000001,974.24665067700005,967.55405645899998,976.94824563899999,978.06661173999998,971.65644686500002,854.751116389,798.55422329400005,784.123957679,null,null,916.210597732,974.24665067700005,971.65644686500002,775.93676689500001,683.36700499999995,null,null,899.34148631500011,910.59715254799994,891.54354480999996,902.83287660899998,916.210597732,898.94403063499999]
["  Hereof corporate %",0.71016093632791588,0.69702503026049678,1.3135906067419101,1.8845673393550699E-2,null,0.71016093632791588,0.71581222297490221,-0.5651286646986331,-7.8949289570660053E-3,null,null,0.71016093632791588,0.71581222297490221,0.69496289583015536,0.70109532992258816,0.69702503026049678,0.6944236793393137,0.68599144153655878,0.69010038383595074,0.68663285593899703,0.67889027382451006,0.67332754660432281,0.66564764990537462,0.6561447672838947,0.62193317118084679,0.60600535467858152,0.61820834459855845,null,null,0.69702503026049678,0.68663285593899703,0.6561447672838947,0.62561393515195174,0.56999999999999995,null,null,0.71016093632791588,0.71581222297490221,0.69496289583015536,0.70109532992258816,0.69702503026049678,0.6944236793393137]
["  Hereof retail % ",0.28983894768166041,0.30297496973950322,-1.3136022057842811,-4.335678973460122E-2,null,0.28983894768166041,0.2841876720961512,0.56512755855092078,1.9885716870917447E-2,null,null,0.28983894768166041,0.2841876720961512,0.30503598252021213,0.29890467007741189,0.30297496973950322,0.3055763206606863,0.31400855846344122,0.30989961616404926,0.31336714406100302,0.32110972617548994,0.32667245339567713,0.33435235009462544,0.3438552327161053,0.37806682881915316,0.39399464532141848,0.38179165540144161,null,null,0.30297496973950322,0.31336714406100302,0.3438552327161053,0.37438606484804821,0.40600000000000003,null,null,0.28983894768166041,0.2841876720961512,0.30503598252021213,0.29890467007741189,0.30297496973950322,0.3055763206606863]
["  Hereof FCY % ",0.67436869276769229,0.68525729952716508,-1.0888606759472785,-1.5889807765617436E-2,null,0.67436869276769229,0.69559240299141123,-2.1223710223718939,-3.0511705033645975E-2,null,null,0.67436869276769229,0.69559240299141123,0.70977464161311066,0.68451539150987917,0.68525729952716508,0.65470705621601488,0.64953718560644713,0.65198271438077915,0.64630039996796962,0.67821430298329466,0.67520874615885274,0.5720367031082435,0.64968127576032741,0.6545648075472934,0.6392289779576642,0.64049694577193306,null,null,0.68525729952716508,0.64630039996796962,0.57581051595465249,0.63473857795250932,0.56699999999999995,null,null,0.67436869276769229,0.69559240299141123,0.70977464161311066,0.68451539150987917,0.68525729952716508,0.65470705621601488]
["Deposits from customers",1668.552894941,1757.678844394,-89.125949452999976,-5.0706617842765311E-2,null,1668.552894941,1654.177453256,14.375441684999942,8.6903866672247698E-3,null,null,1668.552894941,1654.177453256,1647.45608788,1683.6924663079999,1757.678844394,1855.5558213689999,1920.0278142730001,1969.845946509,2037.3749428250001,2116.4807724870002,2084.7953267859998,2012.948901966,2004.72351549,1839.9721129119998,1767.8097331029999,1705.557893448,null,null,1757.678844394,2037.3749428250001,2004.72351549,1704.4880834330002,1504.640699,null,null,1668.552894941,1654.177453256,1647.45608788,1683.6924663079999,1757.678844394,1855.5558213689999]
["Loan/deposit ratio (net)*",0.47990287835634621,0.47213190776106306,0.77709705952831443,1.6459320938791322E-2,null,0.47990287835634621,0.49021808615082368,-1.0315207794477477,-2.1042079200855546E-2,null,null,0.47990287835634621,0.49021808615082368,0.48463112414633031,0.48358519895465019,0.47213190776106306,0.48446078543289156,0.48343256895028652,0.48472578880200134,0.4781872154205063,0.45715230161153897,0.46860631021516186,0.48588745138276745,0.48468351837909435,0.46454569087802261,0.45171955349081278,0.45974631567257723,null,null,0.47213190776106306,0.4781872154205063,0.48468351837909435,0.45523155863442,0.45417288356892965,null,null,0.47990287835634621,0.49021808615082368,0.48463112414633031,0.48358519895465019,0.47213190776106306,0.48446078543289156]
[]
["Equity",215.70192950799998,220.08897938300001,-4.3870498750000309,-1.9933073829042858E-2,null,215.70192950799998,220.861151038,-5.1592215300000248,-2.3359570054546919E-2,null,null,215.70192950799998,220.861151038,212.631373741,213.90029762999998,220.08897938300001,217.009098881,229.49278123300002,239.06168157899998,227.49998658199999,221.54639911800001,227.80460751200002,213.03118095400001,217.93340597300005,203.91721237600001,190.56915360800002,217.19897131500002,null,null,220.08897938300001,227.49998658200002,217.93340597300002,206.09129668700004,184.45207299999998,null,null,215.70192950799998,220.861151038,212.631373741,213.90029762999998,220.08897938300001,217.009098881]
["Return on equity before tax",0.19752743602672868,0.18277790185656539,1.4749534170163281,8.0696484751958453E-2,null,0.14418085919704099,0.1885952289512294,-4.4414369754188412,-0.23550102513820192,null,null,0.14418085919704099,0.1885952289512294,0.22760896645204812,0.24721303393837626,2.5867022915833347E-2,0.21522742727803837,0.17102641718215197,0.25728925867375307,9.247187538359615E-2,0.17820241975342008,0.25123044975706144,0.32286885710669211,0.43540653475804808,0.33419109420004517,0.15313320560108673,0.31204106331654391,null,null,0.18277790185656539,0.2265846878564273,0.29553614270330525,0.27386023997397013,0.29100049485520929,null,null,0.19752743602672868,0.21506444231136415,0.24541474122726253,0.24721303393837626,0.18277790185656539,0.23606988548696126]
["Return on equity after tax",0.16840314291035111,0.16646302964472637,0.19401132656247377,1.1654919832742472E-2,null,0.12774380800260385,0.1593777243980237,-3.1633916395419845,-0.19848392562324801,null,null,0.12774380800260385,0.1593777243980237,0.19248515147047218,0.20911513949185037,3.4234737501233306E-2,0.19245734336213208,0.15274144128050104,0.23124548439155754,0.10449595618407899,0.15841837244373047,0.22356259175139828,0.28924619642359506,0.39567556987652924,0.29906067469551195,0.13795642549941051,0.27038015875690935,null,null,0.16646302964472637,0.20795565902669297,0.26360811874278423,0.24535040702396041,0.26017332651167308,null,null,0.16840314291035111,0.18185658366802823,0.20756950214697295,0.20911513949185037,0.16646302964472637,0.21145467349317307]
["Cost/income ratio**",0.3814854987673077,0.39825241627799407,-1.6766917510686374,-4.2101232347533268E-2,null,0.39184675337435093,0.4073251499846417,-1.5478396610290768,-3.8000100437879603E-2,null,null,0.39184675337435093,0.4073251499846417,0.38457530091181436,0.34239578035268992,0.49097999759648675,0.3750391977482111,0.4048064019953031,0.33023041927150881,0.51137301197816698,0.40305665706910454,0.41699953422631836,0.31261870630535882,0.43438854199055571,0.33494203688644603,0.34785216206133479,0.3174606127267251,null,null,0.39825241627799407,0.40900569478425375,0.35781749800041396,0.32273169374798533,0.32596606653768662,null,null,0.3814854987673077,0.37793807413181241,0.36346239708460842,0.34239578035268992,0.39825241627799407,0.37078273530042444]
["Net interest margin (avg. interest bearing assets)",4.6967868666061979E-2,4.2332367839902213E-2,0.46355008261597663,0.10950251693198165,null,4.5598187618355081E-2,4.6543973473150459E-2,-9.4578585479537791E-2,-2.0320264563165602E-2,null,null,4.5598187618355081E-2,4.6543973473150459E-2,4.8124940252394485E-2,4.7944935645302382E-2,4.7039428149744739E-2,4.2984091845926997E-2,4.1401343178325459E-2,3.8437810639611526E-2,3.764134669375481E-2,3.4664261969224432E-2,4.0718609931602978E-2,4.3279236498150936E-2,4.4769185436798635E-2,null,null,null,null,null,4.2332367839902213E-2,3.9068179101762718E-2,4.8308686661603428E-2,null,null,null,null,4.6967868666061979E-2,4.7490156520527772E-2,4.8082587473800946E-2,4.7944935645302382E-2,4.2332367839902213E-2,4.0756939297307372E-2]
["Provisioning ratio (avg. loans and advances to customers)",3.229917159161446E-2,3.0801812516525133E-2,0.14973590750893273,4.8612693629181525E-2,null,4.623647162125389E-2,3.1268926828306197E-2,1.4967544792947693,0.47867152189560658,null,null,4.623647162125389E-2,3.1268926828306197E-2,2.5477712701912972E-2,2.6738419749764701E-2,4.976610244234015E-2,2.9561681687387171E-2,2.9999689355097715E-2,1.6630042291286506E-2,3.3021899228049378E-2,2.4510226587326506E-2,9.0728280969587533E-3,1.6715420098338485E-2,8.0617412586321095E-3,2.0756689828740228E-2,5.1736546176216522E-2,1.4479158866183317E-2,null,null,3.0801812516525133E-2,2.0827102494051744E-2,8.0617412586321095E-3,4.2527679612182491E-2,null,null,null,3.229917159161446E-2,2.7765363039942113E-2,2.6097286318846818E-2,2.6738419749764701E-2,3.0801812516525133E-2,2.5372905026435473E-2]
[]
["NPL ratio",0.18632160169986225,0.14574290270222254,4.0578698997639719,0.27842658712890378,null,0.18632160169986225,0.1911549629964657,-0.48333612966034445,-2.5285042150293591E-2,null,null,0.18632160169986225,0.1911549629964657,0.18918034904951758,0.14314292196070402,0.14574290270222254,0.14598986981124559,0.14076365216790507,0.12173713693460679,0.11618472890960717,0.11613270622958878,0.11365544540936676,0.1109505034702556,0.11094927774917357,0.13565881316407513,0.14673923020110141,0.13003106360442515,null,null,0.14574290270222254,0.11618472890960717,0.11094927774917357,null,null,null,null,0.18632160169986225,0.1911549629964657,0.18918034904951758,0.14314292196070402,0.14574290270222254,0.14598986981124559]
["NPL coverage ratio",0.58841119479739945,0.64669782695416955,-5.8286632156770102,-9.0129624265616659E-2,null,0.58841119479739945,0.57271337007034129,1.5697824727058163,2.7409565670049041E-2,null,null,0.58841119479739945,0.57271337007034129,0.55219766377970436,0.68576401757349936,0.64669782695416955,0.58949796669715659,0.65289870609071277,0.71621847163120411,0.72265643076631614,0.74479751207565947,0.724483753401435,0.72722311025731334,0.72549494294681216,0.71374499798291602,0.6677293413733929,0.65601838466163187,null,null,0.64669782695416955,0.72265643076631614,0.72549494294681216,null,null,null,null,0.58841119479739945,0.57271337007034129,0.55219766377970436,0.68576401757349936,0.64669782695416955,0.58949796669715659]
[]
["Number of employees",1326,1371,-45,-3.2822757111597323E-2,null,1326,1336,-10,-7.4850299401197917E-3,null,null,1326,1336,1337,1352,1371,1389,1386,1394,1388,1419,1419,1420,1427,1378,1364,1355,null,null,1371,1388,1427,1343,1326,null,null,1326,1336,1337,1352,1371,1389]
["Business outlets",92,104,-12,-0.11538461538461542,null,92,96,-4,-4.166666666666663E-2,null,null,92,96,95,95,104,105,105,105,105,105,105,105,105,104,103,103,null,null,104,105,105,105,104,null,null,92,96,95,95,104,105]
["Number of customers ",723451,719949,3502,4.8642334387574149E-3,null,723451,710587,12864,1.8103342729320904E-2,null,null,723451,710587,695481,683297,719949,724770,722839,710610,712875,698367,683625,669632,692142,689725,670701,654340,null,null,719949,712875,692142,635145,574899,null,null,723451,710587,695481,683297,719949,724770]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",124.28032702099999,129.15214179500001,-4.8718147740000148,-3.7721517477680933E-2,null,31.211768405000001,29.829208570999999,1.382559834000002,4.6349195980483593E-2,null,null,31.211768405000001,29.829208570999999,32.091424099999998,31.147925945000001,30.837292560999998,34.326891340000003,33.508104666999998,30.479853227,33.495305805000008,30.424143238000006,35.569982230999997,36.914985786999999,41.238235768000017,41.287564788000019,42.296448535999993,42.879976465000006,null,null,129.15214179500001,136.404417061,167.70222555700002,188.09907531499999,191.75062,null,null,124.28032702099999,93.06855861599999,63.239350045000002,31.147925945000001,129.15214179500001,98.314849233999993]
["Net fee and commission income",40.282679475000002,37.757272145999998,2.5254073290000036,6.6885322626982768E-2,null,11.125529312000001,10.448704642000001,0.67682467000000024,6.477594048159907E-2,null,null,11.125529312000001,10.448704642000001,9.8909388870000008,8.8175066340000008,9.6419349339999982,9.6885649980000004,9.5653414609999992,8.8614307530000005,9.6646360059999985,9.5613361240000003,9.4586313759999996,8.6336009659999995,9.612899337,9.8670692119999988,9.2481707430000011,8.5112647080000006,null,null,37.757272145999998,37.318204471999998,37.239404,34.714984030000004,36.195340000000002,null,null,40.282679475000002,29.157150162999997,18.708445521000002,8.8175066340000008,37.757272145999998,28.115337212]
["Net trading income",3.4751328080000001,2.8779471110000001,0.59718569700000002,0.20750405548366579,null,0.660021576,0.75883640200000002,-9.8814826000000022E-2,-0.13021887951021094,null,null,0.660021576,0.75883640200000002,0.74555917499999991,1.3107156550000001,1.2879441269999998,0.58131716300000003,0.29946699700000001,0.70921882400000003,1.2627456379999997,1.5398369989999998,1.1426476800000001,1.169423788,1.3950938180000005,1.8985286239999997,1.8750661580000003,1.7876729539999998,null,null,2.8779471110000001,5.1146541049999996,6.9563615539999999,6.6297593669999992,4.2887050000000002,null,null,3.4751328080000001,2.815111232,2.05627483,1.3107156550000001,2.8779471110000001,1.5900029840000001]
["Sundry net operating income",0.64515269600000003,-3.4115861199999999,4.0567388160000002,"–",null,0.488190179,0.23771289000000001,0.25047728899999999,1.053696705298564,null,null,0.488190179,0.23771289000000001,0.267656697,-0.34840706999999999,-3.6927090579999997,-0.19222909499999996,0.27631093200000001,0.197041101,-0.41160550100000004,0.10029171100000001,7.6362463000000005E-2,-0.35149067000000001,0.69352860199999999,0.18644052399999997,0.13197052700000003,0.168977401,null,null,-3.4115861199999999,-0.58644199699999999,1.180917054,-0.80847939099999999,0.43159599999999998,null,null,0.64515269600000003,0.156962517,-8.0750373E-2,-0.34840706999999999,-3.4115861199999999,0.28112293800000004]
["Operating income",168.68329199999999,166.37577493199998,2.3075170680000099,1.3869309212492853E-2,null,43.485509471999997,41.274462504999995,2.2110469670000015,5.3569370327527732E-2,null,null,43.485509471999997,41.274462504999995,42.995578858999998,40.927741164000004,38.074462564000001,44.404544406000007,43.649224057000005,40.247543905000001,44.011081948000012,41.625608072000006,46.247623750000002,46.366519871000001,52.939757525000054,53.239603147999993,53.551655963999998,53.347891528000005,null,null,166.37577493199998,178.25083364099999,213.07890816500003,228.635339321,232.66626100000002,null,null,168.68329199999999,125.19778252799999,83.923320023000002,40.927741164000004,166.37577493199998,128.301312368]
["Staff expenses",-36.253078230999996,-37.258830777,1.0057525460000036,-2.6993669018214539E-2,null,-8.5352177820000001,-9.2567201659999991,0.721502383999999,-7.7943631336084063E-2,null,null,-8.5352177820000001,-9.2567201659999991,-9.1924517979999987,-9.2686884850000002,-9.5259311900000032,-9.4422618529999962,-9.1875807200000015,-9.1030570139999991,-10.127765195000004,-9.0247102239999979,-9.7427061659999996,-9.4001175979999996,-10.464673308999997,-10.164892478000001,-10.288772880999998,-9.8560670820000009,null,null,-37.258830777,-38.295299182999997,-40.77440575,-41.969667656000006,-45.685023999999999,null,null,-36.253078230999996,-27.717860449,-18.461140282999999,-9.2686884850000002,-37.258830777,-27.732899586999999]
["Other administrative expenses",-44.870211114,-44.188637780000001,-0.68157333399999942,1.5424176173823634E-2,null,-12.998227865,-10.856262049000001,-2.141965815999999,0.19730233171714029,null,null,-12.998227865,-10.856262049000001,-10.596408170000002,-10.41931303,-12.324559580999997,-10.673070657000002,-10.909833444000002,-10.281174097999999,-10.970848609999997,-10.626826149999999,-10.405115071999999,-10.866418087,-11.294644634000008,-11.312373446999995,-11.231967792999999,-11.097596152000001,null,null,-44.188637780000001,-42.869207918999997,-44.936582026000004,-42.842418729999999,-45.457169999999998,null,null,-44.870211114,-31.871983249000003,-21.015721200000002,-10.41931303,-44.188637780000001,-31.864078199000001]
["Depreciation on intangible and tangible fixed ass.",-8.2536687739999994,-10.881919185999999,2.6282504119999999,-0.24152452955002124,null,-1.849726202,-1.829875296,-1.9850906000000057E-2,1.0848228862039289E-2,null,null,-1.849726202,-1.829875296,-2.1755188329999999,-2.3985484430000001,-2.7120915420000005,-2.6444506929999996,-2.7672670960000003,-2.7581098549999998,-2.8036480679999993,-2.8740248380000004,-2.94803127,-3.001669369,-3.0149016019999979,-3.0141682530000016,-3.0211928609999998,-2.989003989,null,null,-10.881919185999999,-11.627373544999999,-12.039266704999999,-11.657993147999999,-10.55246,null,null,-8.2536687739999994,-6.4039425720000001,-4.5740672760000001,-2.3985484430000001,-10.881919185999999,-8.1698276439999997]
["General administrative expenses",-89.376958118999994,-92.329387743000012,2.9524296240000183,-3.197713854897577E-2,null,-23.383171849,-21.942857511000003,-1.4403143379999968,6.5639324198225601E-2,null,null,-23.383171849,-21.942857511000003,-21.964378801000002,-22.086549957999999,-24.562582313000025,-22.759783202999994,-22.864681260000001,-22.142340966999999,-23.902261872999986,-22.525561212,-23.095852508,-23.268205053999999,-24.774219545000008,-24.491434177999992,-24.541933534999998,-23.942667223000001,null,null,-92.329387743000012,-92.791880646999985,-97.750254480999999,-96.470079534000007,-101.694654,null,null,-89.376958118999994,-65.993786270000001,-44.050928759000001,-22.086549957999999,-92.329387743000012,-67.766805429999991]
["Operating result",79.306333881,74.046387188999972,5.2599466920000282,7.1035831614232103E-2,null,20.102337622999997,19.331604993999992,0.77073262900000472,3.9869044977859813E-2,null,null,20.102337622999997,19.331604993999992,21.031200057999996,18.841191206000005,13.511880250999976,21.644761203000012,20.784542797000004,18.105202938000001,20.108820075000025,19.100046860000006,23.151771242000002,23.098314817000002,28.165537980000025,28.748168970000002,29.009722429,29.405224305000004,null,null,74.046387188999972,85.458952994000001,115.32865368400003,132.165259787,130.97160700000001,null,null,79.306333881,59.203996257999989,39.872391264000001,18.841191206000005,74.046387188999972,60.534506938000007]
["Net provisioning for impairment losses",-51.752360376999995,-90.899421430999993,39.147061053999998,-0.43066347879580047,null,-8.7502625470000002,-12.671934165,3.9216716179999995,-0.30947695647217721,null,null,-8.7502625470000002,-12.671934165,-13.723711674,-16.606451991,-37.460683995999993,-21.873559143000001,-16.775096744999999,-14.790081547,-24.199925276000002,-22.226331432000002,-14.553123358000001,-14.541636055,-28.644467669000001,-23.661403921999998,-13.687787007999999,-12.989095301000001,null,null,-90.899421430999993,-75.521016121000002,-78.982753900000006,-98.193527778999993,-86.448740000000001,null,null,-51.752360376999995,-43.002097829999997,-30.330163665000001,-16.606451991,-90.899421430999993,-53.438737435]
["Other results",0.19146909500000001,-0.71457386499999997,0.90604295999999995,"–",null,4.4187377E-2,-7.4551979000000004E-2,0.118739356,"–",null,null,4.4187377E-2,-7.4551979000000004E-2,-0.168972764,0.39080646099999999,7.470281099999998E-2,-0.24435457199999999,-0.29780093299999999,-0.247121171,0.38611535599999997,0.35937888400000001,-0.150783044,-2.2394583999999999E-2,-2.0727260999999997E-2,0.22018709600000003,0.10237959000000002,7.9941710999999999E-2,null,null,-0.71457386499999997,0.57231661199999995,0.38178113600000002,1.0420605379999999,-0.38636399999999999,null,null,0.19146909500000001,0.14728171800000001,0.221833697,0.39080646099999999,-0.71457386499999997,-0.78927667599999995]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Net income from financial investments",0.209619957,-0.71457386499999997,0.924193822,"–",null,4.4187377E-2,-7.4551979000000004E-2,0.118739356,"–",null,null,4.4187377E-2,-7.4551979000000004E-2,-0.168972764,0.40895732299999998,7.470281099999998E-2,-0.24435457199999999,-0.29780093299999999,-0.247121171,0.38611535599999997,0.35937888400000001,-0.150783044,-2.2394583999999999E-2,-2.0727260999999997E-2,0.22018709600000003,0.10237959000000002,7.9941710999999999E-2,null,null,-0.71457386499999997,0.57231661199999995,0.38178113600000002,1.0420605379999999,-0.38636399999999999,null,null,0.209619957,0.16543258,0.23998455899999999,0.40895732299999998,-0.71457386499999997,-0.78927667599999995]
["Net income from disposal from group assets",-1.8150862E-2,0,-1.8150862E-2,"–",null,0,0,0,"–",null,null,0,0,0,-1.8150862E-2,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0,0,0,null,null,-1.8150862E-2,-1.8150862E-2,-1.8150862E-2,-1.8150862E-2,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",27.745442599,-17.567608107000002,45.313050705999999,"–",null,11.396262453,6.5851188499999997,4.8111436030000005,0.73060846927614698,null,null,11.396262453,6.5851188499999997,7.1385156199999997,2.6255456760000002,-23.874100933999998,-0.47315251200000041,3.7116451189999999,3.0680002200000001,-3.7049898450000001,-2.7669056879999996,8.4478648399999994,8.5342841780000001,-0.49965694999999499,5.3069521440000003,15.424315011000001,16.496070714999998,null,null,-17.567608107000002,10.510253485,36.727680920000005,35.013792545999998,44.136502999999998,null,null,27.745442599,16.349180145999998,9.7640612959999995,2.6255456760000002,-17.567608107000002,6.3064928269999996]
["Income taxes",-2.7195211239999999,2.3649284449999999,-5.0844495690000002,"–",null,-1.0745402209999999,-0.67410306600000003,-0.40043715499999988,0.59402957084310293,null,null,-1.0745402209999999,-0.67410306600000003,-0.66444783099999993,-0.30643000599999998,2.4101885150000002,0.38193043300000001,-0.11192997399999999,-0.31526052900000001,0.73238471800000005,0.55002939799999995,-0.61538630599999999,-0.826788627,0.38979461399999993,-0.31487373600000046,-1.4183967809999996,-1.564974729,null,null,2.3649284449999999,-0.159760817,-2.9084506320000001,-2.6471331439999997,-2.6950059999999998,null,null,-2.7195211239999999,-1.644980903,-0.97087783699999997,-0.30643000599999998,2.3649284449999999,-4.5260069999999999E-2]
["Profit/loss after tax",25.025921475000001,-15.202679662,40.228601136999998,"–",null,10.321722232000001,5.9110157839999999,4.4107064480000009,0.74618417699694661,null,null,10.321722232000001,5.9110157839999999,6.4740677889999994,2.31911567,-21.463912419000003,-9.1222078999999567E-2,3.5997151449999998,2.7527396909999999,-2.9726051270000005,-2.2168762899999992,7.8324785339999998,7.7074955510000001,-0.10986233599999906,4.9920784080000011,14.005918229999999,14.931095985999999,null,null,-15.202679662,10.350492667999999,33.819230288,32.366659401999996,41.441496999999998,null,null,25.025921475000001,14.704199243000001,8.7931834589999998,2.31911567,-15.202679662,6.2612327570000001]
[]
[]
["Total assets",3223.1610568569999,3203.2685531289999,19.892503728000065,6.2100643133928823E-3,null,3223.1610568569999,3377.1683075710012,-154.0072507140012,-4.5602480151416991E-2,null,null,3223.1610568569999,3377.1683075710012,3232.336694398,3201.1544152639999,3203.2685531289999,3408.7687232379999,3373.4950430539998,3463.720740712,3485.9323915969999,3580.9057600229999,3820.3990119750001,3609.8693466469999,3680.7574063320012,3705.447379572,3751.7651497750012,3667.883225939001,null,null,3203.2685531289999,3485.9323915969999,3680.7574063320012,3790.1321556389998,3998.3347659999999,null,null,3223.1610568569999,3377.1683075710012,3232.336694398,3201.1544152639999,3203.2685531289999,3408.7687232379999]
["Loans and advances to customers",2174.6451559460002,2525.9738765339998,-351.32872058799967,-0.13908644260014014,null,2174.6451559460002,2297.286672666,-122.6415167199998,-5.3385377706333226E-2,null,null,2174.6451559460002,2297.286672666,2370.3001666810001,2438.892984564,2525.9738765339998,2629.0944381280001,2710.526289207,2812.087997437,2882.6243829690002,2893.3534442680002,2900.5302946669999,2923.6201071719988,2973.729285682,2927.1055677540003,2886.4008140170004,2808.7716454250003,null,null,2525.9738765339998,2882.6243829690002,2973.729285682,2816.2040506919998,2952.727879,null,null,2174.6451559460002,2297.286672666,2370.3001666810001,2438.892984564,2525.9738765339998,2629.0944381280001]
["  Hereof corporate %",0.40395566035133573,0.4400021536247008,-3.6046493273365066,-8.1923447365921054E-2,null,0.40395566035133573,0.42895985674108017,-2.500419638974444,-5.8290294527109876E-2,null,null,0.40395566035133573,0.42895985674108017,0.42898451672784038,0.43730659770641844,0.4400021536247008,0.4440096093939585,0.44575075096125255,0.45740638273055467,0.45931762172243068,0.45544529132808892,0.44487697076051619,0.4454932583577893,0.44225650689756868,0.44013711836879155,0.436743196804602,0.42667222544229294,null,null,0.4400021536247008,0.45931762172243068,0.44225650689756868,0.41635584638044687,0.312,null,null,0.40395566035133573,0.42895985674108017,0.42898451672784038,0.43730659770641844,0.4400021536247008,0.4440096093939585]
["  Hereof retail % ",0.58027457424476236,0.55489248899632382,2.5382085248438546,4.5742347845344034E-2,null,0.58027457424476236,0.56622983995742737,1.4044734287334992,2.4803945847133413E-2,null,null,0.58027457424476236,0.56622983995742737,0.56606463316879718,0.55766612147396377,0.55489248899632382,0.55084375073694591,0.54869755907156026,0.53695474679313027,0.53501497246952778,0.5388347014691951,0.55016393555660514,0.54939116574657443,0.55256380120717119,0.55503217170816499,0.55885408853447593,0.56876599453426624,null,null,0.55489248899632382,0.53501497246952778,0.55256380120717119,0.57924106350250193,0.68799999999999994,null,null,0.58027457424476236,0.56622983995742737,0.56606463316879718,0.55766612147396377,0.55489248899632382,0.55084375073694591]
["  Hereof FCY % ",0.61526944142570006,0.67234345365849246,-5.7074012232792404,-8.4888180173733563E-2,null,0.61526944142570006,0.64217914773777462,-2.6909706312074566,-4.190373730892738E-2,null,null,0.61526944142570006,0.64217914773777462,0.65335986630271448,0.66962306683249395,0.67234345365849246,0.71568710987033468,0.72980550230292573,0.74746771861896211,0.74962281342197268,0.75568334187846165,0.76163900237891702,0.79620672818934524,0.78279015215271597,0.79525864240904398,0.76617702893530815,0.80221224237652822,null,null,0.67234345365849246,0.74962281342197268,0.78279015215271597,0.78591073663719424,0.66300000000000003,null,null,0.61526944142570006,0.64217914773777462,0.65335986630271448,0.66962306683249395,0.67234345365849246,0.71568710987033468]
["Deposits from customers",2167.734302587,2133.1665165170002,34.567786069999784,1.620491686998804E-2,null,2167.734302587,2294.9927314749998,-127.2584288879998,-5.5450471429689618E-2,null,null,2167.734302587,2294.9927314749998,2105.5785354559998,2037.7567845880001,2133.1665165170002,2156.6800928510002,2110.4010491710001,2152.118847752,2155.6577580869998,2227.1448479679998,2215.8535491329999,2123.561382636,2170.819572765,2123.7687268320001,2084.036767052,2024.2134415580001,null,null,2133.1665165170002,2155.6577580869998,2170.819572765,2056.321227119,2142.6072119999999,null,null,2167.734302587,2294.9927314749998,2105.5785354559998,2037.7567845880001,2133.1665165170002,2156.6800928510002]
["Loan/deposit ratio (net)*",0.91269896604018685,1.0598497180137896,-14.715075197360273,-0.13884114839353867,null,0.91269896604018685,0.89286755400528883,1.9831412034898022,2.2210922488936857E-2,null,null,0.91269896604018685,0.89286755400528883,1.0027622733196893,1.0673939341636234,1.0598497180137896,1.2190470190006242,1.2843654954927826,1.3066601783513825,1.3372365683535654,1.2991312383241871,1.3089900710278868,1.3767532839304497,1.3698647842456679,1.3782600387568227,1.3850047463893809,1.3875866980031217,null,null,1.0598497180137896,1.3372365683535656,1.3698647842456679,1.3695350772785779,1.378100410781218,null,null,0.91269896604018685,0.89286755400528883,1.0027622733196893,1.0673939341636234,1.0598497180137896,1.2190470190006242]
[]
["Equity",496.2611713870001,471.78797403999999,24.473197347000109,5.1873296255163126E-2,null,496.2611713870001,485.86631966700003,10.394851720000077,2.1394468600178795E-2,null,null,496.2611713870001,485.86631966700003,479.95530388899994,474.12050331599994,471.78797403999999,505.123030352,505.21425243499999,502.91051033799999,500.15777066299995,503.13037577300003,527.34696931199994,520.37120224899991,512.03218045000006,512.77356903700002,507.78865544000001,496.120535555,null,null,471.78797403999999,500.15777066299995,512.03218044999994,496.189669654,490.91242599999998,null,null,496.2611713870001,485.86631966700003,479.95530388899994,474.12050331599994,471.78797403999999,505.123030352]
["Return on equity before tax",5.891855921172208E-2,"–","–","–",null,9.6707749489142805E-2,5.5895663923820178E-2,4.0812085565322631,0.73014761254012739,null,null,9.6707749489142805E-2,5.5895663923820178E-2,6.0562391302418521E-2,2.1896760062350303E-2,"–","–",2.9722301640330143E-2,2.4792796264543501E-2,"–","–",6.596862027680285E-2,6.885901154074843E-2,"–",4.4330990144090934E-2,0.128530458286301,0.13502290408571629,null,null,"–",2.170078862110425E-2,7.5385020879634806E-2,7.7046354066470729E-2,9.8108003185961953E-2,null,null,5.891855921172208E-2,4.6298955632875706E-2,4.0742746815842168E-2,2.1896760062350303E-2,"–",1.7010053839599869E-2]
["Return on equity after tax",5.3143547124594737E-2,"–","–","–",null,8.7589289209990442E-2,5.0173756804838904E-2,3.7415532405151537,0.74571917248865605,null,null,8.7589289209990442E-2,5.0173756804838904E-2,5.4925288060909433E-2,1.9341167760673444E-2,"–","–",2.8825983069141248E-2,2.2245146490988656E-2,"–","–",6.1163123703060505E-2,6.2188053974662962E-2,"–",4.1700730042154535E-2,0.11671099089577311,0.12221334256157751,null,null,"–",2.137092638470816E-2,6.941531067391056E-2,7.1221450717147222E-2,9.2117459321755343E-2,null,null,5.3143547124594737E-2,4.164056315295931E-2,3.6691540181343844E-2,1.9341167760673444E-2,"–",1.6887977077030984E-2]
["Cost/income ratio**",0.52985068680661029,0.55494489976522288,-2.5094212958612583,-4.5219287481025661E-2,null,0.53772330445056071,0.53163278645583412,0.60905179947265964,1.1456249783482031E-2,null,null,0.53772330445056071,0.53163278645583412,0.51085203139211455,0.53964742079211803,0.64511960665793688,0.51255526900360804,0.52382789737892721,0.55015384340631102,0.54309643878423608,0.54114671845844109,0.49939544208474063,0.50183203567436874,0.46797002296999063,0.46002285385029268,0.45828524054416298,0.44880250254002124,null,null,0.55494489976522288,0.52056912583020121,0.4587514330855591,0.42193861990231402,0.43708380219339149,null,null,0.52985068680661029,0.5271162550761691,0.52489497254073614,0.53964742079211803,0.55494489976522288,0.52818481883979473]
["Net interest margin (avg. interest bearing assets)",4.0043188357520756E-2,3.9338099400265246E-2,7.0508895725551052E-2,1.7923818588214679E-2,null,3.9870638940642571E-2,3.8076468844208497E-2,0.17941700964340737,4.7120180807075362E-2,null,null,3.9870638940642571E-2,3.8076468844208497E-2,4.1564058033096075E-2,4.0286015380083667E-2,3.8129652793424694E-2,4.1848633327776073E-2,4.0729871087233159E-2,3.6572626673893938E-2,3.9442628707945501E-2,3.42530789130309E-2,4.0100905736883852E-2,4.2473361328393522E-2,4.695540761027403E-2,null,null,null,null,null,3.9338099400265246E-2,3.9189448546684824E-2,4.7476186971114227E-2,null,null,null,null,4.0043188357520756E-2,3.9932778632726346E-2,4.0897399778133586E-2,4.0286015380083667E-2,3.9338099400265246E-2,3.95260960436737E-2]
["Provisioning ratio (avg. loans and advances to customers)",2.195773482759979E-2,3.3612931510040758E-2,-1.1655196682440967,-0.3467474022299829,null,1.5653659997256104E-2,2.1719033155510083E-2,-0.60653731582539783,-0.27926533906115447,null,null,1.5653659997256104E-2,2.1719033155510083E-2,2.2829129531546831E-2,2.6758344109678568E-2,5.8134141717508803E-2,3.2771704598453119E-2,2.4300225761656722E-2,2.077728328881193E-2,3.3518030712491556E-2,3.0689371666384902E-2,1.9990037830623048E-2,1.9726334780327651E-2,2.9683767429515024E-2,3.2560595782529296E-2,1.9227213371292493E-2,1.8473459801743222E-2,null,null,3.3612931510040758E-2,2.579113912647155E-2,2.9683767429515024E-2,3.4042186309604275E-2,null,null,null,2.195773482759979E-2,2.3917210511240548E-2,2.4778158573072476E-2,2.6758344109678568E-2,3.3612931510040758E-2,2.5854602611659384E-2]
[]
["NPL ratio",0.14702850404998316,0.20078728197139104,-5.3758777921407876,-0.26773995540747264,null,0.14702850404998316,0.19023591970471454,-4.3207415654731376,-0.22712543310326572,null,null,0.14702850404998316,0.19023591970471454,0.19499852571296913,0.2011687147018095,0.20078728197139104,0.19973289144147291,0.19072891713263848,0.1904068914230326,0.18181193259046827,0.18003124576153634,0.17351474760506866,0.16644719975972286,0.16139551582952119,0.11442772296627642,0.10876307423261107,0.10247635803794466,null,null,0.20078728197139104,0.18181193259046827,0.16139551582952119,null,null,null,null,0.14702850404998316,0.19023591970471454,0.19499852571296913,0.2011687147018095,0.20078728197139104,0.19973289144147291]
["NPL coverage ratio",0.53931092992613416,0.52276539485875051,1.6545535067383654,3.1650019741368274E-2,null,0.53931092992613416,0.56784235834901187,-2.8531428422877703,-5.0245333063620223E-2,null,null,0.53931092992613416,0.56784235834901187,0.56015280347074026,0.53768483138501677,0.52276539485875051,0.51201346227207878,0.50437323421309299,0.5106357036759539,0.50475872938121524,0.47742576839118095,0.464982468027416,0.48001202007988103,0.48454661155283757,0.62844303886918951,0.61029339954592854,0.59709853995646134,null,null,0.52276539485875051,0.50475872938121524,0.48454661155283757,null,null,null,null,0.53931092992613416,0.56784235834901187,0.56015280347074026,0.53768483138501677,0.52276539485875051,0.51201346227207878]
[]
["Number of employees",2751,2965,-214,-7.2175379426644204E-2,null,2751,2767,-16,-5.7824358511022744E-3,null,null,2751,2767,2764,2846,2965,3029,3070,3034,3119,3136,3151,3202,3271,3346,3249,3223,null,null,2965,3119,3271,3241,3282,null,null,2751,2767,2764,2846,2965,3029]
["Business outlets",156,168,-12,-7.1428571428571397E-2,null,156,156,0,0,null,null,156,156,156,156,168,178,181,182,183,184,184,184,187,189,189,190,null,null,168,183,187,190,199,null,null,156,156,156,156,168,178]
["Number of customers ",761894,740812,21082,2.8457962344022425E-2,null,761894,755250,6644,8.7970870572657844E-3,null,null,761894,755250,745331,740162,740812,738588,733506,795039,791751,786863,786667,780136,775580,763485,753646,743896,null,null,740812,791751,775580,736622,706459,null,null,761894,755250,745331,740162,740812,738588]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

{"sheet":"SEE-BH","index":22,"n_rows":49,"n_cols":43,"rows_kept":49,"cut":false,"hidden":false,"merged":[[0,36,2,36],[0,11,2,11],[0,29,2,29],[48,0,48,3],[0,28,2,28],[47,0,47,1],[47,2,47,3]]}
["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",68.885016082000007,73.517660023000005,-4.6326439409999978,-6.3014028732017224E-2,null,16.640880341999999,16.243505827,0.39737451499999921,2.4463592972613135E-2,null,null,16.640880341999999,16.243505827,17.520554443999998,18.480075468999999,18.604529532000004,18.985255370000001,18.430085946999998,17.497789174000001,17.852212613999999,18.241148261000003,17.939885881999999,18.202103451999999,19.257626175000006,19.746732590000001,19.859637597999999,19.350580059000002,null,null,73.517660023000005,72.235350209000003,78.214576422000007,73.553665198999994,67.247649999999993,null,null,68.885016082000007,52.244135740000004,36.000629912999997,18.480075468999999,73.517660023000005,54.913130490999997]
["Net fee and commission income",34.894024535,32.945889977999997,1.948134557000003,5.9131338030355085E-2,null,9.3043362710000004,8.706714796,0.5976214750000004,6.863914679674088E-2,null,null,9.3043362710000004,8.706714796,8.9147896279999994,7.96818384,9.5870990809999981,8.6389481719999992,7.0909664939999999,7.6288762309999996,8.0514763590000022,8.4270181959999988,8.1793100620000008,6.7580372539999995,8.2714059980000005,8.4417296000000004,7.8959761339999996,7.0767203690000002,null,null,32.945889977999997,31.415841871000001,31.685832100999999,29.925504265000001,27.064568000000001,null,null,34.894024535,25.589688263999999,16.882973467999999,7.96818384,32.945889977999997,23.358790896999999]
["Net trading income",1.2964219800000001,1.233222212,6.3199768000000045E-2,5.1247672467320093E-2,null,0.25025385699999997,0.78553401899999997,-0.53528016200000006,-0.68142199962443639,null,null,0.25025385699999997,0.78553401899999997,0.13539571499999997,0.12523838900000001,-0.72319475699999991,0.72052836899999995,0.95680913099999998,0.27907946900000002,0.24165034800000001,0.42437532900000002,0.36130185100000001,0.19385836200000001,0.35515459000000016,0.22738837199999995,0.32454354399999996,0.167245108,null,null,1.233222212,1.2211858900000001,1.0743316140000001,0.65851377599999994,0.36831199999999997,null,null,1.2964219800000001,1.0461681229999999,0.26063410399999998,0.12523838900000001,1.233222212,1.956416969]
["Sundry net operating income",-1.2502119310000002,1.093550051,-2.3437619820000002,"–",null,-2.6681081690000004,-0.14949663299999999,-2.5186115360000003,">500,0%",null,null,-2.6681081690000004,-0.14949663299999999,0.62834448799999998,0.93904838300000004,-0.91237940100000026,0.39452048600000034,0.70662736399999992,0.90478160200000002,-7.7751134E-2,0.14255073299999999,-0.54339691999999995,0.59990131899999999,0.44450489299999985,2.0266751210000002,1.2215667999999997,0.36236943099999996,null,null,1.093550051,0.121303998,4.0551162449999998,0.19217467699999999,-0.62412500000000004,null,null,-1.2502119310000002,1.417896238,1.567392871,0.93904838300000004,1.093550051,2.0059294520000002]
["Operating income",103.82525066600002,108.790322264,-4.9650715979999802,-4.5638908817195234E-2,null,23.527362301,25.586258009000002,-2.0588957080000014,-8.0468808970650674E-2,null,null,23.527362301,25.586258009000002,27.199084275000001,27.512546081,26.556054455000005,28.739252397000001,27.184488935999997,26.310526476,26.067588187000002,27.235092519000002,25.937100874999999,25.753900386999998,28.32869165599999,30.442525683000014,29.301724075999999,26.956914967000003,null,null,108.790322264,104.993681968,115.02985638200001,104.329857917,94.056404999999998,null,null,103.82525066600002,80.297888365000006,54.711630356000001,27.512546081,108.790322264,82.234267809000002]
["Staff expenses",-31.891032961000001,-32.111621663999998,0.22058870299999711,-6.869435163011306E-3,null,-10.394952014000001,-7.2560764469999999,-3.1388755670000013,0.43258579067172853,null,null,-10.394952014000001,-7.2560764469999999,-7.2131069669999999,-7.0268975329999996,-9.4753449929999967,-7.9184658200000024,-7.6279998749999995,-7.0898109759999999,-9.0456803490000031,-7.6920504350000005,-7.4933010539999998,-7.0423416139999997,-9.2534765290000038,-7.9909470669999996,-7.7742221970000012,-7.471105873,null,null,-32.111621663999998,-31.273373452000001,-32.489751666000004,-33.299870642999998,-32.484313999999998,null,null,-31.891032961000001,-21.496080946999999,-14.2400045,-7.0268975329999996,-32.111621663999998,-22.636276671000001]
["Other administrative expenses",-24.692312215000001,-25.612774625,0.92046240999999895,-3.5937629697547768E-2,null,-7.8292499819999994,-5.6450780520000006,-2.1841719299999989,0.38691616127896866,null,null,-7.8292499819999994,-5.6450780520000006,-5.9800892729999999,-5.2378949080000003,-7.6515131640000007,-7.0129147219999997,-5.8352786319999996,-5.1130681070000001,-7.0281277029999982,-6.0053015870000008,-6.0790201579999996,-5.8046650289999997,-7.9672226129999979,-6.5000153380000016,-6.5680708450000003,-6.2468813729999999,null,null,-25.612774625,-24.917114476999998,-27.282190169,-27.791210888999998,-27.69969,null,null,-24.692312215000001,-16.863062233000001,-11.217984181,-5.2378949080000003,-25.612774625,-17.961261460999999]
["Depreciation on intangible and tangible fixed ass.",-6.2050418490000006,-6.8971464779999998,0.69210462899999925,-0.1003465173905792,null,-1.4585101980000001,-1.492933946,3.442374799999981E-2,-2.3057783696479595E-2,null,null,-1.4585101980000001,-1.492933946,-1.5939754469999998,-1.659622258,-1.6907369230000007,-1.7233123529999994,-1.7251734550000002,-1.757923747,-1.7229478040000001,-1.7403848999999993,-1.738223158,-1.7208653110000001,-1.8168608740000012,-1.6889571179999991,-1.5583864669999998,-1.4819478160000001,null,null,-6.8971464779999998,-6.922421173,-6.5461522750000007,-5.7933526940000002,-4.8234110000000001,null,null,-6.2050418490000006,-4.7465316509999997,-3.2535977049999998,-1.659622258,-6.8971464779999998,-5.2064095549999996]
["General administrative expenses",-62.788387025000006,-64.621542766999994,1.8331557419999882,-2.8367563872772728E-2,null,-19.682712194,-14.394088445000001,-5.2886237489999992,0.36741637160337737,null,null,-19.682712194,-14.394088445000001,-14.787171686999999,-13.924414699000002,-18.81759508,-16.654692895,-15.188451961999998,-13.960802829999999,-17.796755856000004,-15.437736922000001,-15.310544369999999,-14.567871953999999,-19.037560016,-16.179919523000002,-15.900679509000001,-15.199935062,null,null,-64.621542766999994,-63.112909102000003,-66.318094110000004,-66.884434225999996,-65.007414999999995,null,null,-62.788387025000006,-43.105674831000002,-28.711586386,-13.924414699000002,-64.621542766999994,-45.803947686999997]
["Operating result",41.036863641000011,44.168779497000003,-3.131915855999992,-7.0907910330932133E-2,null,3.8446501069999997,11.192169564,-7.3475194570000006,-0.65648750360551633,null,null,3.8446501069999997,11.192169564,12.411912588000002,13.588131381999998,7.738459375000005,12.084559502000001,11.996036973999999,12.349723646000001,8.2708323309999976,11.797355597000001,10.626556505,11.186028432999999,9.2911316399999873,14.262606160000013,13.401044566999998,11.756979905000003,null,null,44.168779497000003,41.880772866000001,48.711762272000001,37.445423691000002,29.048990000000003,null,null,41.036863641000011,37.192213534000004,26.00004397,13.588131381999998,44.168779497000003,36.430320122000005]
["Net provisioning for impairment losses",-16.168644003000001,-14.741907016000001,-1.426736987,9.6781032837305547E-2,null,-10.272221512,1.652696298,-11.92491781,"–",null,null,-10.272221512,1.652696298,-7.5080298390000006,-4.1088949999999999E-2,-7.6450003320000013,-0.72297183399999998,-3.7335647760000006,-2.6403700739999998,-5.3518368149999986,-4.1936129429999998,-4.9879989560000002,-6.0085283490000005,-7.3441868679999986,-5.7933204789999992,-3.6674976890000002,-2.8273668970000001,null,null,-14.741907016000001,-20.541977063000001,-19.632371932999998,-27.821674173999998,-12.706811999999999,null,null,-16.168644003000001,-5.896422491,-7.5491187890000004,-4.1088949999999999E-2,-14.741907016000001,-7.0969066840000004]
["Other results",-0.60242250100000005,-0.62263591399999996,2.0213412999999902E-2,-3.246425807683162E-2,null,8.5495670999999995E-2,-0.27349973999999999,0.35899541099999999,"–",null,null,8.5495670999999995E-2,-0.27349973999999999,-3.6519534999999992E-2,-0.37789889700000001,-0.10789843700000001,-0.192082645,-0.48195855500000001,0.15930372300000001,-3.0577300000000029E-2,-0.22403941100000035,-0.26691890400000001,2.0655164310000003,-0.92684640400000018,-0.31683530799999993,-0.14616965699999995,-0.80420332999999999,null,null,-0.62263591399999996,1.5439808159999999,-2.1940546990000001,-1.0229467800000001,0.28062599999999999,null,null,-0.60242250100000005,-0.68791817200000005,-0.414418432,-0.37789889700000001,-0.62263591399999996,-0.51473747700000005]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Net income from financial investments",-0.60242250100000005,-0.62263591399999996,2.0213412999999902E-2,-3.246425807683162E-2,null,8.5495670999999995E-2,-0.27349973999999999,0.35899541099999999,"–",null,null,8.5495670999999995E-2,-0.27349973999999999,-3.6519534999999992E-2,-0.37789889700000001,-0.10789843700000001,-0.192082645,-0.48195855500000001,0.15930372300000001,-3.0577300000000029E-2,-0.22403941100000035,-0.26691890400000001,2.0655164310000003,-0.92684640400000018,-0.31683530799999993,-0.14616965699999995,-0.80420332999999999,null,null,-0.62263591399999996,1.5439808159999999,-2.1940546990000001,-1.0229467800000001,0.28062599999999999,null,null,-0.60242250100000005,-0.68791817200000005,-0.414418432,-0.37789889700000001,-0.62263591399999996,-0.51473747700000005]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",24.265797137,28.804236567,-4.5384394300000004,-0.15756152465431184,null,-6.3420757339999998,12.571366121999999,-18.913441855999999,"–",null,null,-6.3420757339999998,12.571366121999999,4.8673632140000009,13.169143535,-1.443939400000005E-2,11.169505022999997,7.7805136430000008,9.8686572950000002,2.8884182160000025,7.3797032429999989,5.371638645,7.2430165149999999,1.0200983680000029,8.1524503729999971,9.5873772210000006,8.1254096780000005,null,null,28.804236567,22.882776619000001,26.885335640000001,8.6008027370000004,16.622805,null,null,24.265797137,30.607872870999998,18.036506749000001,13.169143535,28.804236567,28.818675961]
["Income taxes",-3.678547215,-2.660870321,-1.0176768940000001,0.38246016198848043,null,-0.27527290199999999,-1.385568787,1.110295885,-0.80132859185142713,null,null,-0.27527290199999999,-1.385568787,-0.37180020699999994,-1.6459053189999999,0.42393459600000005,-1.3233864909999999,-0.76851566800000004,-0.99290275800000005,-1.2988444809999997,-0.80476984200000035,-0.597865867,-0.70405505599999996,-2.4077905539999991,-0.2632023240000001,-0.64295925499999995,-0.62706625800000004,null,null,-2.660870321,-3.4055352459999999,-3.9410183909999996,-1.4215448179999999,-0.928369,null,null,-3.678547215,-3.4032743130000003,-2.0177055259999999,-1.6459053189999999,-2.660870321,-3.084804917]
["Profit/loss after tax",20.587249921999998,26.143366245999999,-5.5561163240000013,-0.21252490102915123,null,-6.617348636,11.185797335,-17.803145970999999,"–",null,null,-6.617348636,11.185797335,4.4955630070000012,11.523238215999999,0.40949520200000222,9.8461185319999984,7.0119979749999999,8.8757545370000006,1.5895737349999983,6.5749334010000009,4.7737727779999997,6.5389614589999994,-1.387692185999998,7.889248048999999,8.9444179659999996,7.4983434200000003,null,null,26.143366245999999,19.477241372999998,22.944317249000001,7.1792579189999994,15.694436,null,null,20.587249921999998,27.204598557999997,16.018801223000001,11.523238215999999,26.143366245999999,25.733871044000001]
[]
[]
["Total assets",1943.7748859799999,2021.8503172579999,-78.075431277999996,-3.8615831553685198E-2,null,1943.7748859799999,1964.525397402,-20.750511422000045,-1.0562607869280649E-2,null,null,1943.7748859799999,1964.525397402,1953.6714591739999,2009.588193244,2021.8503172579999,2013.407668866,1984.542428535,1959.2464472869999,1983.14684098,1989.8097053419999,2031.259489322,2068.7409304519997,2170.1511808309997,2143.5386894569992,2147.4674976870001,2142.7534719260002,null,null,2021.8503172579999,1983.14684098,2170.1511808309997,2052.132951228999,2325.3877520000001,null,null,1943.7748859799999,1964.525397402,1953.6714591739999,2009.588193244,2021.8503172579999,2013.407668866]
["Loans and advances to customers",1176.19889457,1223.1041736760001,-46.90527910600008,-3.8349373761866756E-2,null,1176.19889457,1196.1604050450001,-19.961510475000068,-1.6687987991250264E-2,null,null,1176.19889457,1196.1604050450001,1191.3408077399999,1224.7273893940001,1223.1041736760001,1258.37167034,1278.7193396160001,1245.0030718420001,1259.380804058,1306.963706968,1309.782939724,1329.9435196320001,1358.26169299,1373.3653114019999,1372.2543989000001,1365.543319205,null,null,1223.1041736760001,1259.380804058,1358.26169299,1349.9847563440001,1393.298446,null,null,1176.19889457,1196.1604050450001,1191.3408077399999,1224.7273893940001,1223.1041736760001,1258.37167034]
["  Hereof corporate %",0.34076190757391217,0.3579973575427764,-1.7235449968864225,-4.8144070356175184E-2,null,0.34076190757391217,0.34696450262821277,-0.6202595054300597,-1.7876742454391525E-2,null,null,0.34076190757391217,0.34696450262821277,0.34244435472295504,0.35650557226222662,0.3579973575427764,0.37111919209899774,0.39164116588554637,0.3885870154529748,0.39544982812985108,0.41726857051915739,0.41907018185455147,0.42694955577076932,0.42766270424999003,0.43485016728983189,0.43611532558841148,0.43427925740895745,null,null,0.3579973575427764,0.39544982812985108,0.42766270424999003,0.42350840935269651,0.375,null,null,0.34076190757391217,0.34696450262821277,0.34244435472295504,0.35650557226222662,0.3579973575427764,0.37111919209899774]
["  Hereof retail % ",0.65509736028249876,0.63697608707027364,1.812127321222512,2.8448906607424718E-2,null,0.65509736028249876,0.64870349973740216,0.6393860545096608,9.8563681985450735E-3,null,null,0.65509736028249876,0.64870349973740216,0.65291297789633695,0.63875132988821182,0.63697608707027364,0.62107548483278396,0.60012090224670156,0.60243469292845075,0.59823754685833752,0.57645887721467459,0.57538996917810048,0.56756449895634709,0.56219124145415245,0.55237973881670199,0.55075955326054793,0.55226089548260293,null,null,0.63697608707027364,0.59823754685833752,0.56219124145415245,0.55811805316355367,0.625,null,null,0.65509736028249876,0.64870349973740216,0.65291297789633695,0.63875132988821182,0.63697608707027364,0.62107548483278396]
["  Hereof FCY % ",0.73982701146486418,0.73393002846362065,0.58969830012435276,8.0348027366969887E-3,null,0.73982701146486418,0.71750812845599254,2.2318883008871637,3.1106104758561681E-2,null,null,0.73982701146486418,0.71750812845599254,0.72624894100733672,0.71677991984352418,0.73393002846362065,0.74563979952479575,0.73050353667170886,0.74268170168606917,0.73491433013566487,0.74713015732112298,0.75351340292153268,0.75810738209317596,0.74230172668752648,0.73413824539571215,0.66205581175637795,0.66014310005545174,null,null,0.73393002846362065,0.73491433013566487,0.74230172668752648,0.75514037859271332,0.74099999999999999,null,null,0.73982701146486418,0.71750812845599254,0.72624894100733672,0.71677991984352418,0.73393002846362065,0.74563979952479575]
["Deposits from customers",1502.7845214230001,1566.9335969900001,-64.149075566999954,-4.0939243175477924E-2,null,1502.7845214230001,1533.2584074289998,-30.473886005999702,-1.9875244680444326E-2,null,null,1502.7845214230001,1533.2584074289998,1507.956403675,1550.606695879,1566.9335969900001,1555.6378361120001,1540.849695014,1505.804671163,1526.4191616860001,1521.0423855859999,1556.761694523,1563.6108056420001,1659.6564450899998,1610.7613166789999,1617.1655455729999,1605.3351380239999,null,null,1566.9335969900001,1526.4191616860001,1659.6564450899998,1515.638508971,1605.286388,null,null,1502.7845214230001,1533.2584074289998,1507.956403675,1550.606695879,1566.9335969900001,1555.6378361120001]
["Loan/deposit ratio (net)*",0.72472190150369697,0.72673595637905497,-0.20140548753579957,-2.7713708915587665E-3,null,0.72472190150369697,0.72032237855258141,0.43995229511155642,6.107713826628558E-3,null,null,0.72472190150369697,0.72032237855258141,0.72983927431445694,0.73688400151676048,0.72673595637905497,0.80891042961840254,0.82987934757931192,0.82680250346177275,0.82505568304511856,0.859255283977163,0.84135095585411634,0.85055917676773862,0.81839931210362293,0.85261875684570498,0.84855530261360967,0.85062818776012183,null,null,0.72673595637905497,0.82505568304511856,0.81839931210362293,0.89070365285224518,0.86794384878319919,null,null,0.72472190150369697,0.72032237855258141,0.72983927431445694,0.73688400151676048,0.72673595637905497,0.80891042961840254]
[]
["Equity",271.92089988800001,268.57705015400001,3.3438497340000026,1.2450243727387234E-2,null,271.92089988800001,278.53407760300001,-6.6131777150000062,-2.3742795753796009E-2,null,null,271.92089988800001,278.53407760300001,262.34835695700002,280.10028836399999,268.57705015400001,268.16424331099995,258.31812478899997,266.59682180800002,257.721067269,261.40747713299999,254.832543732,269.00631036600004,263.89912466800001,265.00384491500006,257.03162033199999,250.38881344100002,null,null,268.57705015400001,257.721067269,263.89912466800001,242.90410311900001,235.99911699999998,null,null,271.92089988800001,278.53407760300001,262.34835695700002,280.10028836399999,268.57705015400001,268.16424331100001]
["Return on equity before tax",9.4591989625668449E-2,0.11984848876638787,-2.5256499140719422,-0.21073690123828026,null,"–",0.20210469665549016,"–","–",null,null,"–",0.20210469665549016,7.5623239762675626E-2,0.20616621385539921,"–",0.18429217293727751,0.12445052482554413,0.15918315882373638,4.7964072068756435E-2,0.1212172965855005,8.4929248591440423E-2,0.11510048056462027,1.6944218232776188E-2,0.13551824144248359,0.15863970427003532,0.13380815887637934,null,null,0.11984848876638787,9.5504348418949114E-2,0.11112882311129228,3.7720376611000243E-2,7.5951817590169377E-2,null,null,9.4591989625668449E-2,0.15812426122628637,0.14760935590961494,0.20616621385539921,0.11984848876638787,0.15987919230190581]
["Return on equity after tax",8.0252419487737661E-2,0.1087771560465151,-2.8524736558777435,-0.26223094623451759,null,"–",0.17982947559563292,"–","–",null,null,"–",0.17982947559563292,6.9846654995608881E-2,0.18039915716861876,6.7564538436679627E-3,0.16245684795555126,0.11215799728717249,0.14316746462151514,2.6395910662039043E-2,0.10799833351766808,7.5476583920848064E-2,0.10391217592362903,"–",0.13114302730929667,0.14800083362588604,0.12348171568131651,null,null,0.1087771560465151,8.1290888658259924E-2,9.4838874511945406E-2,3.1485934600872338E-2,7.1709975557830791E-2,null,null,8.0252419487737661E-2,0.14054250248200609,0.13109661221412947,0.18039915716861876,0.1087771560465151,0.14276542485449276]
["Cost/income ratio**",0.60475064227859865,0.59400083961681605,1.0749802661782604,1.8097285297975718E-2,null,0.83658813691849387,0.56257106607526819,27.401707084322567,0.48707992175083548,null,null,0.83658813691849387,0.56257106607526819,0.54366432110332508,0.50611145395286117,0.70859905457292061,0.57951030405851933,0.55871758331590948,0.53061662763513295,0.68271585880259189,0.56683254926452631,0.59029513143303447,0.56565691934389639,0.67202397651032586,0.53149070781716845,0.54265337656440782,0.56386033344718378,null,null,0.59400083961681605,0.60111149470151515,0.5765294002434096,0.64108621981648006,0.69115351580788142,null,null,0.60475064227859865,0.53682202245543442,0.52478031086220989,0.50611145395286117,0.59400083961681605,0.55699343968606552]
["Net interest margin (avg. interest bearing assets)",3.6747375078757819E-2,3.9057811580592246E-2,-0.23104365018344272,-5.915427435218823E-2,null,3.6075649099247042E-2,3.5220647493000967E-2,8.5500160624607524E-2,2.4275578875032844E-2,null,null,3.6075649099247042E-2,3.5220647493000967E-2,3.7178756385414055E-2,3.8497364138695478E-2,3.8923012395855411E-2,3.9945864156840288E-2,3.969873552736207E-2,3.7838802932017281E-2,3.8033843882990769E-2,3.8237313723027987E-2,3.6842044857203354E-2,3.611634408126152E-2,3.7539043499913223E-2,null,null,null,null,null,3.9057811580592246E-2,3.7174510031937003E-2,3.8579049541434943E-2,null,null,null,null,3.6747375078757819E-2,3.695452370755678E-2,3.7845109647528213E-2,3.8497364138695478E-2,3.9057811580592246E-2,3.9047799584634613E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.3433186820473489E-2,1.187673411780831E-2,0.15564527026651792,0.13105056383567515,null,3.4639682154948566E-2,-5.5378277142641317E-3,4.0177509869212695,"–",null,null,3.4639682154948566E-2,-5.5378277142641317E-3,2.4860324217358475E-2,1.3428685411170178E-4,2.464662422706447E-2,2.2796875040364856E-3,1.1835104396740851E-2,8.4343941019860789E-3,1.6683143800862138E-2,1.2820845146170858E-2,1.5116714652977779E-2,1.7881159729288523E-2,9.8354458768764204E-3,1.6880183245370925E-2,1.071663597276574E-2,8.329479403900884E-3,null,null,1.187673411780831E-2,1.5695021062781377E-2,9.8354458768764204E-3,2.0283486699607063E-2,null,null,null,1.3433186820473489E-2,6.5003967162386937E-3,1.250659070238605E-2,1.3428685411170178E-4,1.187673411780831E-2,7.5166580841874433E-3]
[]
["NPL ratio",0.13050760422938829,0.11920763344449452,1.1299970784893767,9.479234222156796E-2,null,0.13050760422938829,0.14969747305192199,-1.9189868822533707,-0.12819100036429987,null,null,0.13050760422938829,0.14969747305192199,0.14972116697519147,0.12745549446496662,0.11920763344449452,0.11440617060387405,0.11205021505581302,0.11039991716377322,0.10747517713773763,0.12687705795954446,0.13509036316909501,0.13111337242971771,9.422370641865864E-2,7.4839881382379236E-2,7.0319330058151941E-2,7.1626524835702629E-2,null,null,0.11920763344449452,0.10747517713773763,9.422370641865864E-2,null,null,null,null,0.13050760422938829,0.14969747305192199,0.14972116697519147,0.12745549446496662,0.11920763344449452,0.11440617060387405]
["NPL coverage ratio",0.56740319422518082,0.57856822336885338,-1.1165029143672567,-1.9297688142396519E-2,null,0.56740319422518082,0.51169084500753614,5.5712349217644679,0.10887892515806907,null,null,0.56740319422518082,0.51169084500753614,0.50837237537258162,0.52531991458455629,0.57856822336885338,0.5457183602772453,0.55362577722481221,0.5587023073835593,0.5555876318648002,0.47684120870290503,0.43435222146803282,0.41794163960118225,0.54359066038921833,0.62769444502793115,0.63972100646441243,0.61267919404135274,null,null,0.57856822336885338,0.5555876318648002,0.54359066038921833,null,null,null,null,0.56740319422518082,0.51169084500753614,0.50837237537258162,0.52531991458455629,0.57856822336885338,0.5457183602772453]
[]
["Number of employees",1434,1491,-57,-3.82293762575453E-2,null,1434,1462,-28,-1.9151846785225746E-2,null,null,1434,1462,1471,1475,1491,1504,1510,1511,1561,1558,1552,1550,1569,1583,1621,1606,null,null,1491,1561,1569,1640,1655,null,null,1434,1462,1471,1475,1491,1504]
["Business outlets",96,98,-2,-2.0408163265306145E-2,null,96,96,0,0,null,null,96,96,97,98,98,98,98,98,98,98,98,98,98,98,98,98,null,null,98,98,98,98,101,null,null,96,96,97,98,98,98]
["Number of customers ",499973,496690,3283,6.6097565886167331E-3,null,499973,501996,-2023,-4.0299125889449172E-3,null,null,499973,501996,500461,497183,496690,496807,488254,490460,496107,489483,496347,593325,591507,636818,629921,644800,null,null,496690,496107,591507,638528,716056,null,null,499973,501996,500461,497183,496690,496807]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

{"sheet":"SEE-HR","index":23,"n_rows":49,"n_cols":43,"rows_kept":49,"cut":false,"hidden":false,"merged":[[0,36,2,36],[0,11,2,11],[0,29,2,29],[48,0,48,3],[0,28,2,28],[47,0,47,1],[47,2,47,3]]}
["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",151.24220572900001,152.60453744899999,-1.362331719999986,-8.9272032324416717E-3,null,37.156767119000001,39.580374153999998,-2.4236070349999963,-6.1232544835735592E-2,null,null,37.156767119000001,39.580374153999998,37.142625713000001,37.362438742999998,40.746575587000002,39.211232695999989,36.976923360999997,35.669805805000003,38.24269030300001,36.172019440999996,38.937893320999997,38.746716429999999,41.450698327000005,43.956461221000005,47.320505349999998,42.437786559999999,null,null,152.60453744899999,152.099319495,175.16545145800001,173.61847475499999,151.56443200000001,null,null,151.24220572900001,114.08543861,74.505064455999999,37.362438742999998,152.60453744899999,111.857961862]
["Net fee and commission income",62.221215321000003,55.813245704000003,6.4079696169999991,0.11481091157077716,null,15.863227886000001,16.509606907999999,-0.64637902199999786,-3.9151690624855795E-2,null,null,15.863227886000001,16.509606907999999,15.044950642,14.803429885,13.307437296000003,16.718069738000004,12.266379138,13.521359532,13.387796219999998,16.024514459000002,13.469069687999999,13.659135814999999,15.710221865000008,18.070042393999998,16.376833415,15.454657366000001,null,null,55.813245704000003,56.540516181999998,65.611755040000006,71.941823150999994,74.685100000000006,null,null,62.221215321000003,46.357987435000005,29.848380527,14.803429885,55.813245704000003,42.505808408]
["Net trading income",13.398188415,10.981276136,2.4169122789999999,0.22009393526464738,null,1.8369141640000002,2.6394070150000002,-0.80249285100000001,-0.30404285752040405,null,null,1.8369141640000002,2.6394070150000002,5.8139244870000013,3.1079427489999998,3.5747650569999987,0.89011767000000042,4.847123689,1.66926972,3.2088918999999549E-2,5.086060872,7.2453549730000004,5.7841784019999993,3.7665207180000002,-7.4581569089999995,1.3662463629999997,3.1645419479999997,null,null,10.981276136,18.147683166,0.83915211999999995,21.185585162999999,36.289718999999998,null,null,13.398188415,11.561274251,8.9218672360000006,3.1079427489999998,10.981276136,7.4065110790000004]
["Sundry net operating income",23.463420525,24.005660398,-0.54223987299999976,-2.2588000663592456E-2,null,-0.6708499309999999,10.449585127999999,-11.120435058999998,"–",null,null,-0.6708499309999999,10.449585127999999,5.5816636230000007,8.1030217049999997,5.3471360540000008,5.7062284670000016,6.2049750489999989,6.7473208280000003,5.735247467999999,7.0597770000000022,6.543982089,8.9837880859999988,6.5647517999999989,4.739082709999999,7.0911868599999996,7.6651569630000003,null,null,24.005660398,28.322794643000002,26.060178333,27.303304717,28.417583,null,null,23.463420525,24.134270456000003,13.684685328,8.1030217049999997,24.005660398,18.658524344]
["Operating income",250.32502999000002,243.40471968699998,6.9203103030000364,2.8431290534953524E-2,null,54.186059237999999,69.178973204999991,-14.992913966999993,-0.21672645996885598,null,null,54.186059237999999,69.178973204999991,63.583164464999996,63.376833082000005,62.97591399400001,62.525648570999998,60.295401236999993,57.607755885000003,57.397822910000002,64.342371771999993,66.196300070999996,67.173818733000004,67.492192709999983,59.307429416000048,72.154771987999993,68.722142836999993,null,null,243.40471968699998,255.11031348600002,267.676536951,294.049187786,290.95683400000001,null,null,250.32502999000002,196.13897075200001,126.959997547,63.376833082000005,243.40471968699998,180.42880569300002]
["Staff expenses",-54.231825469999997,-52.318740073999997,-1.9130853959999996,3.6565968394768555E-2,null,-14.003799039,-14.554665196,0.55086615699999975,-3.784808166878284E-2,null,null,-14.003799039,-14.554665196,-12.512080179000002,-13.161281056,-12.884380568000001,-12.923373405,-13.270717201,-13.2402689,-11.792109848999996,-13.539925387,-13.107043057,-13.569527208,-13.255866394000003,-13.755502073000001,-14.514241337,-14.294853574999999,null,null,-52.318740073999997,-52.008605500999998,-55.820463379000003,-58.505579733000005,-59.024856,null,null,-54.231825469999997,-40.228026431000004,-25.673361235000002,-13.161281056,-52.318740073999997,-39.434359506]
["Other administrative expenses",-49.743054410999996,-48.056605945999998,-1.686448464999998,3.5092958227116888E-2,null,-12.787725407,-12.769596986,-1.8128421000000117E-2,1.4196549053093754E-3,null,null,-12.787725407,-12.769596986,-12.082505048,-12.10322697,-11.710014238999992,-11.425642458000002,-12.132530138,-12.788419111,-12.665087904999996,-13.017528066999997,-11.034030875999999,-15.079267981000001,-13.877952166000009,-12.936285000999993,-15.177988413,-13.848272570000001,null,null,-48.056605945999998,-51.795914828999997,-55.840498150000002,-57.929806741,-52.447088000000001,null,null,-49.743054410999996,-36.955329003999999,-24.185732017999999,-12.10322697,-48.056605945999998,-36.346591707000002]
["Depreciation on intangible and tangible fixed ass.",-25.904593014,-29.213886792,3.3092937780000007,-0.11327810645539382,null,-6.1797706359999998,-6.9171286319999998,0.73735799600000007,-0.10659885556975723,null,null,-6.1797706359999998,-6.9171286319999998,-6.5030049170000002,-6.3046888289999998,-7.1701092250000009,-7.256419575999999,-7.3861153000000002,-7.4012426910000002,-8.2343536979999961,-8.0509356630000006,-7.5393308609999998,-8.9737896470000003,-8.5268871699999984,-10.224022146000003,-10.187441138999997,-10.193935107000001,null,null,-29.213886792,-32.798409868999997,-39.132285562,-40.526707497000004,-40.923085999999998,null,null,-25.904593014,-19.724822377999999,-12.807693746,-6.3046888289999998,-29.213886792,-22.043777566999999]
["General administrative expenses",-129.87947289499999,-129.58923281200001,-0.29024008299998627,2.2396928873023025E-3,null,-32.971295081999997,-34.241390813999999,1.2700957320000015,-3.7092410728851277E-2,null,null,-32.971295081999997,-34.241390813999999,-31.097590143999994,-31.569196855000001,-31.764504031999991,-31.605435439000011,-32.789362638999997,-33.429930702,-32.691551452000013,-34.608389117000002,-31.680404794000001,-37.622584836000001,-35.660705730000018,-36.91580922,-39.879670888999996,-38.337061251999998,null,null,-129.58923281200001,-136.60293019900001,-150.79324709100001,-156.962093971,-152.39502999999999,null,null,-129.87947289499999,-96.908177813000009,-62.666786998999996,-31.569196855000001,-129.58923281200001,-97.824728780000015]
["Operating result",120.44555709500003,113.81548687499998,6.6300702200000501,5.8252794958226106E-2,null,21.214764156000001,34.937582390999992,-13.722818234999991,-0.39278099100912667,null,null,21.214764156000001,34.937582390999992,32.485574321000001,31.807636227000003,31.211409962000019,30.920213131999986,27.506038597999996,24.177825183000003,24.706271457999989,29.733982654999991,34.515895276999998,29.551233897000003,31.831486979999966,22.391620196000034,32.275101098999997,30.385081584999995,null,null,113.81548687499998,118.50738328700001,116.88328985999999,137.087093815,138.56180400000002,null,null,120.44555709500003,99.230792938999997,64.293210548000005,31.807636227000003,113.81548687499998,82.604076913]
["Net provisioning for impairment losses",-50.125316340000005,-58.204866293999999,8.0795499539999938,-0.13881227581881528,null,-15.027121856000001,-3.8958337190000001,-11.131288137,2.8572287576630013,null,null,-15.027121856000001,-3.8958337190000001,-18.949959704000001,-12.252401061,-10.441773044000001,-7.4549630989999933,-25.386318276000001,-14.921811875,-17.767753870999996,-11.507117028000003,-17.961150942,-4.6541169150000004,-8.249506835,-13.006330521000001,-15.196570345,-15.94486918,null,null,-58.204866293999999,-51.890138755999999,-52.397276880999996,-67.904709588000003,-70.596639999999994,null,null,-50.125316340000005,-35.098194483999997,-31.202360765000002,-12.252401061,-58.204866293999999,-47.763093249999997]
["Other results",1.2081497730000001,0.3373303760000006,0.87081939699999911,2.5815030574062443,null,-0.61153791400000002,0.77067721499999997,-1.382215129,"–",null,null,-0.61153791400000002,0.77067721499999997,1.0164135619999999,3.2596909999999979E-2,-1.5024506879999997,-9.6561145999999987E-2,0.64082026800000014,1.2955219420000001,-4.6025298169999997,-3.6566562649999996,-4.4728841280000005,2.5503770340000003,-7.3231621360000005,-9.3151660080000021,-2.4260835619999992,6.2361972309999993,null,null,0.3373303760000006,-10.181693176,-12.828214475000001,-6.1817469539999994,-0.64064699999999974,null,null,1.2081497730000001,1.8196876869999996,1.049010472,3.2596909999999979E-2,0.3373303760000006,1.8397810640000003]
["Net income from derivatives",-0.35139988500000002,6.1124049640000004,-6.4638048490000006,"–",null,0.17609417699999999,1.7982266E-2,0.15811191099999999,">500,0%",null,null,0.17609417699999999,1.7982266E-2,-0.33938529900000003,-0.20609102900000001,0.73388223400000019,1.2011554499999999,2.4498032700000003,1.72756401,-0.87575753000000045,-2.6280287909999998,-1.7246115479999999,-1.120505141,0,0,0,0,null,null,6.1124049640000004,-5.2283978690000001,0,0,0,null,null,-0.35139988500000002,-0.52749406200000004,-0.54547632800000001,-0.20609102900000001,6.1124049640000004,5.3785227300000003]
["Net income from financial investments",1.5595496580000001,-5.7750745879999998,7.3346242459999997,"–",null,-0.78763209099999998,0.752694949,-1.54032704,"–",null,null,-0.78763209099999998,0.752694949,1.355798861,0.23868793899999999,-2.2363329219999994,-1.2977165959999999,-1.8089830020000002,-0.432042068,-3.7267722870000002,-1.0286274740000001,-2.7482725800000001,3.670882175,-7.3231621360000005,-9.3151660080000021,-2.4260835619999992,6.2361972309999993,null,null,-5.7750745879999998,-4.9532953070000003,-12.828214475000001,-6.1817469539999994,-0.64064699999999974,null,null,1.5595496580000001,2.3471817489999998,1.5944868000000001,0.23868793899999999,-5.7750745879999998,-3.538741666]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",71.528390528000003,55.947950957000003,15.580439570999999,0.27848096855190785,null,5.5761043859999999,31.812425887,-26.236321500999999,-0.82471929661049048,null,null,5.5761043859999999,31.812425887,14.552028179000001,19.587832076000002,19.26718623,23.368688887000005,2.7605405899999997,10.551535250000001,2.3359877700000027,14.570209362,12.081860207,27.447494016,16.258818009000002,7.012366699999717E-2,14.652447192,20.676409635999999,null,null,55.947950957000003,56.435551355000001,51.657798503999999,63.000637273000002,67.324516000000003,null,null,71.528390528000003,65.952286141999991,34.139860255000002,19.587832076000002,55.947950957000003,36.680764727000003]
["Income taxes",-10.721343036,-11.211242688,0.48989965200000007,-4.3697176631843471E-2,null,0.97012423800000003,-4.9984293910000002,5.9685536290000005,"–",null,null,0.97012423800000003,-4.9984293910000002,-2.7502500959999998,-3.9427877869999999,-3.8777941590000005,-4.6928458309999996,-0.53232469800000004,-2.1082779999999999,-0.67192673000000092,-2.899085951,-2.0581280020000001,-5.4438451059999995,-2.9070911060000011,-0.39301240999999987,-2.3822409330000003,-4.1837460220000002,null,null,-11.211242688,-11.072985789000001,-9.8660904710000015,-12.940709878,-14.472617,null,null,-10.721343036,-11.691467274000001,-6.6930378829999997,-3.9427877869999999,-11.211242688,-7.333448529]
["Profit/loss after tax",60.807047491999995,44.736708268999998,16.070339222999998,0.35922042199371718,null,6.5462286240000003,26.813996495999998,-20.267767871999997,-0.75586523907480407,null,null,6.5462286240000003,26.813996495999998,11.801778083,15.645044288999999,15.389392070999996,18.675843055999998,2.2282158919999997,8.4432572500000003,1.6640610400000035,11.671123411,10.023732205,22.003648909999999,13.351726902999999,-0.32288874300000003,12.270206258999998,16.492663614000001,null,null,44.736708268999998,45.362565566000001,41.791708032999999,50.059927395000003,52.851899000000003,null,null,60.807047491999995,54.260818868000001,27.446822372,15.645044288999999,44.736708268999998,29.347316198000001]
[]
[]
["Total assets",4646.9719909990008,4748.6100996490004,-101.63810864999959,-2.1403759524815991E-2,null,4646.9719909990008,4771.2055488409978,-124.23355784199703,-2.6038190258261928E-2,null,null,4646.9719909990008,4771.2055488409978,4553.0647436620002,4639.1751937199997,4748.6100996490004,4948.3984005929997,5046.5068485149995,4948.4137704750001,5097.1194400240001,5292.8776512049999,5158.9267778900003,6333.1850109829993,5464.9739747189997,5489.6366434640004,5640.4638002860002,5577.3703902950001,null,null,4748.6100996490004,5097.1194400240001,5464.9739747189997,5858.1723615050005,5899.6707189999997,null,null,4646.9719909990008,4771.2055488409978,4553.0647436620002,4639.1751937199997,4748.6100996490004,4948.3984005929997]
["Loans and advances to customers",3200.0255843569998,3436.4922212020001,-236.46663684500027,-6.881046765829435E-2,null,3200.0255843569998,3322.6271366700003,-122.60155231300041,-3.6898980014914984E-2,null,null,3200.0255843569998,3322.6271366700003,3339.5935884370001,3387.5843050660001,3436.4922212020001,3467.957180676,3580.908213705,3498.253331974,3525.434038374,3694.446602299,3710.4717248400002,3853.9841460229995,3830.3824240399999,3808.5887765850002,3885.1120930040001,3928.8459509609997,null,null,3436.4922212020001,3525.434038374,3830.3824240399999,3814.298740359,3742.3549290000001,null,null,3200.0255843569998,3322.6271366700003,3339.5935884370001,3387.5843050660001,3436.4922212020001,3467.957180676]
["  Hereof corporate %",0.41213688241964608,0.41811504289839757,-0.5978160478751493,-1.4297884231360247E-2,null,0.41213688241964608,0.41263543654015777,-4.9855412051169612E-2,-1.2082193538488495E-3,null,null,0.41213688241964608,0.41263543654015777,0.42425785888943385,0.42334595983450152,0.41811504289839757,0.41482463594560143,0.4209027431031459,0.39637470474548298,0.39654890717001084,0.41170951971973074,0.40951986701422355,0.40706136818419586,0.39866859232316776,0.39187163540093195,0.3894101379831521,0.39137471919235317,null,null,0.41811504289839757,0.39654890717001084,0.39866859232316776,0.38100500249193886,0.43,null,null,0.41213688241964608,0.41263543654015777,0.42425785888943385,0.42334595983450152,0.41811504289839757,0.41482463594560143]
["  Hereof retail % ",0.5438738938550427,0.48864568868485653,5.5228205170186175,0.11302300715847435,null,0.5438738938550427,0.52610716071859231,1.7766733136450386,3.3770179277133217E-2,null,null,0.5438738938550427,0.52610716071859231,0.50039555706472105,0.49491938797679996,0.48864568868485653,0.49029039287396009,0.48604208764927775,0.49470321328960482,0.49420610341875637,0.48171864422469723,0.48297790685389891,0.47496953801572606,0.4859014061782872,0.49129795837776141,0.48481794089848634,0.47422245616142755,null,null,0.48864568868485653,0.49420610341875637,0.4859014061782872,0.50218637815231582,0.56599999999999995,null,null,0.5438738938550427,0.52610716071859231,0.50039555706472105,0.49491938797679996,0.48864568868485653,0.49029039287396009]
["  Hereof FCY % ",0.64886357148554463,0.68823144292546823,-3.9367871439923596,-5.720150080993458E-2,null,0.64886357148554463,0.6405559158916192,0.83076555939254337,1.2969446363416459E-2,null,null,0.64886357148554463,0.6405559158916192,0.66094000408985376,0.69033971981235676,0.68823144292546823,0.67037814911740767,0.62864917659278818,0.62079266248409615,0.61236006020855738,0.64302188006227856,0.65406589241820745,0.66996668957874617,0.67409483288006955,0.67795216324593766,0.68218005981668628,0.68776430374905861,null,null,0.68823144292546823,0.61236006020855738,0.67409483288006977,0.72170199226212384,0.73599999999999999,null,null,0.64886357148554463,0.6405559158916192,0.66094000408985376,0.69033971981235676,0.68823144292546823,0.60944610613329842]
["Deposits from customers",3127.6863230599997,2862.923715466,264.76260759399975,9.2479798243909617E-2,null,3127.6863230599997,3119.100438599,8.5858844609997504,2.7526797004511216E-3,null,null,3127.6863230599997,3119.100438599,2815.9206140450001,2821.8727792079999,2862.923715466,3012.3433076840001,2984.3433194180002,2869.9429012380001,3039.9858404229999,3158.8494944140002,2965.44050161,3056.787994409,3121.3397030649999,3149.7231111409997,2986.203926612,2972.6303117449997,null,null,2862.923715466,3039.9858404229999,3121.3397030649999,3101.7600964369999,2968.0052479999999,null,null,3127.6863230599997,3119.100438599,2815.9206140450001,2821.8727792079999,2862.923715466,3012.3433076840001]
["Loan/deposit ratio (net)*",0.92299359596308439,1.0914292534547148,-16.843565749163037,-0.1543257677568004,null,0.92299359596308439,0.95777818720777796,-3.4784591244693575,-3.6318003175768165E-2,null,null,0.92299359596308439,0.95777818720777796,1.0610990490967196,1.0831048601095401,1.0914292534547148,1.1590983807077431,1.1962249756845009,1.2163420730315466,1.1612906057136645,1.1661557256251511,1.2441562485697852,1.2607285512588715,1.2271597417861169,1.209182090677591,1.3010203551007506,1.3216732452192079,null,null,1.0914292534547148,1.1612906057136645,1.2271597417861169,1.2297207462113189,1.2608990268874349,null,null,0.92299359596308439,0.95777818720777796,1.0610990490967196,1.0831048601095401,1.0914292534547148,1.1590983807077431]
[]
["Equity",701.72413287099994,750.278704963,-48.554572092000058,-6.4715380792254473E-2,null,701.72413287099994,696.11166129100002,5.6124715799999194,8.0626024416701192E-3,null,null,701.72413287099994,696.11166129100002,676.84574305600006,704.78935736200003,750.278704963,735.84031127000003,733.765204165,765.47674577099986,760.70180726499996,802.49354721700001,783.81944401900012,817.95302568199997,795.35212019000005,785.87644163799996,809.02617436000003,828.20769808799992,null,null,750.278704963,760.70180726499984,795.35212018999994,821.41968711700008,804.23624300000006,null,null,701.72413287099994,696.11166129100002,676.84574305600006,704.78935736200003,750.278704963,735.84031127000014]
["Return on equity before tax",0.10788844102990208,7.8751058772901367E-2,2.9137382257000715,0.36999353038574045,null,3.4758020947188509E-2,0.19707236237068462,-16.23143414234961,-0.82362813065684892,null,null,3.4758020947188509E-2,0.19707236237068462,8.6972331185183271E-2,0.11235691890757799,0.10915982304887767,0.13077171722674258,1.4920558468483388E-2,5.7330783345455764E-2,1.2677204755286673E-2,7.7163160246947776E-2,6.2448984809913385E-2,0.14170930296592102,8.6082603098039431E-2,3.6482371186536631E-4,7.3631389741460315E-2,0.10128452656181133,null,null,7.8751058772901367E-2,7.6840580916267984E-2,6.5598033305706002E-2,8.331941184909171E-2,8.6892427020223081E-2,null,null,0.10788844102990208,0.13129647717426676,0.10078626991667032,0.11235691890757799,7.8751058772901367E-2,6.8795298120032322E-2]
["Return on equity after tax",9.1717114129319294E-2,6.297036945831827E-2,2.8746744671001023,0.45651224406471425,null,4.0805181518722915E-2,0.16610797469002148,-12.530279317129855,-0.75434543949578248,null,null,4.0805181518722915E-2,0.16610797469002148,7.0535058026478373E-2,8.9740863902872628E-2,8.7189862351798139E-2,0.1045104446766327,1.2043374988733589E-2,4.5875651330425933E-2,9.0307161708193823E-3,6.1809734071060544E-2,5.1810887519291804E-2,0.11360314890406015,7.0690957179552996E-2,-1.6798532475605858E-3,6.1660166894019992E-2,8.0790217223146651E-2,null,null,6.297036945831827E-2,6.1764008789734537E-2,5.3069506150921188E-2,6.6205103444995958E-2,6.8213335194830096E-2,null,null,9.1717114129319294E-2,0.10802134061919182,8.1027362949857434E-2,8.9740863902872628E-2,6.297036945831827E-2,5.504131066760852E-2]
["Cost/income ratio**",0.51884333300664509,0.53240230090296492,-1.3558967896319829,-2.5467523099211964E-2,null,0.60848298521176902,0.49496818509479079,11.351480011697824,0.22933756862623222,null,null,0.60848298521176902,0.49496818509479079,0.48908528547864238,0.49811887593301246,0.5043913143527593,0.50547952978226152,0.54381199836645178,0.58030260315529036,0.56956082643170081,0.53787866632638814,0.47858271172287015,0.5600781010461956,0.52836786446140083,0.62244831016130375,0.55269623602486551,0.55785602237302956,null,null,0.53240230090296492,0.53546612182143916,0.56334129546290312,0.53379536652633852,0.52377195580840008,null,null,0.51884333300664509,0.49407915949315151,0.49359474015270866,0.49811887593301246,0.53240230090296492,0.54217910717897777]
["Net interest margin (avg. interest bearing assets)",3.712813477848502E-2,3.5777254267888907E-2,0.13508805105961127,3.7758082285497485E-2,null,3.5435195993943971E-2,3.9194163734384349E-2,-0.37589677404403776,-9.5906313141787991E-2,null,null,3.5435195993943971E-2,3.9194163734384349E-2,3.7327356062360713E-2,3.6619641855765835E-2,3.99098791878362E-2,3.6401296804095269E-2,3.4015035832419542E-2,3.279593144403093E-2,3.2995204516313409E-2,3.062177373127619E-2,3.2004040810178241E-2,3.1149274036876052E-2,3.40924214724743E-2,null,null,null,null,null,3.5777254267888907E-2,3.1761189996489997E-2,3.6211666425475908E-2,null,null,null,null,3.712813477848502E-2,3.7682141131415672E-2,3.6962616401529751E-2,3.6619641855765835E-2,3.5777254267888907E-2,3.4340370513140157E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.4932713359477486E-2,1.6720908588751651E-2,-0.17881952292741649,-0.10694366396315957,null,1.8430687634259285E-2,4.6781202601928872E-3,1.3752567374066398,2.9397635394476489,null,null,1.8430687634259285E-2,4.6781202601928872E-3,2.2535404895180865E-2,1.4363732310253775E-2,1.209860185654758E-2,8.4608942652730623E-3,2.8688502854121618E-2,1.699598639654222E-2,1.9687587377448697E-2,1.2431863817675297E-2,1.8995313078560807E-2,4.8452836002193418E-3,1.0289574147279637E-2,1.3524134344666617E-2,1.5558384377798759E-2,1.6473791789399533E-2,null,null,1.6720908588751651E-2,1.4108600730086981E-2,1.0289574147279637E-2,1.7972164018404742E-2,null,null,null,1.4932713359477486E-2,1.3892649421898339E-2,1.84191060394274E-2,1.4363732310253775E-2,1.6720908588751651E-2,1.8212658877100357E-2]
[]
["NPL ratio",0.14791073414967323,0.13866237701924081,0.92483571304324275,6.6696946419352976E-2,null,0.14791073414967323,0.15419475852275996,-0.62840243730867273,-4.0753813121080729E-2,null,null,0.14791073414967323,0.15419475852275996,0.15248811195566433,0.14199852747004271,0.13866237701924081,0.13811781491103425,0.13631374804074009,0.13279597013571934,0.12206340504911987,0.11941469765064831,0.11068080542177125,0.10675367708104336,0.10281390065084725,0.10341180739212052,9.4306168838671586E-2,8.3576787661236704E-2,null,null,0.13866237701924081,0.12206340504911987,0.10281390065084725,null,null,null,null,0.14791073414967323,0.15419475852275996,0.15248811195566433,0.14199852747004271,0.13866237701924081,0.13811781491103425]
["NPL coverage ratio",0.73228058986178601,0.64600911584253728,8.6271474019248728,0.13354528891861195,null,0.73228058986178601,0.66046349789813608,7.1817091963649933,0.10873741272939563,null,null,0.73228058986178601,0.66046349789813608,0.66377453355609584,0.66271079827762713,0.64600911584253728,0.64354451120756462,0.63901953399957256,0.6079654930882139,0.6186849655404546,0.56156835739585775,0.56801138222162229,0.53903388235753014,0.54390332532691532,0.53836718773757675,0.5477114071445125,0.54905513024756236,null,null,0.64600911584253728,0.6186849655404546,0.54390332532691532,null,null,null,null,0.73228058986178601,0.66046349789813608,0.66377453355609584,0.66271079827762713,0.64600911584253728,0.64354451120756462]
[]
["Number of employees",2127,2036,91,4.4695481335952802E-2,null,2127,2104,23,1.093155893536113E-2,null,null,2127,2104,2027,2039,2036,2040,2050,2063,2066,2056,2070,2080,2083,2102,2112,2174,null,null,2036,2066,2083,2216,2225,null,null,2127,2104,2027,2039,2036,2040]
["Business outlets",77,76,1,1.3157894736842035E-2,null,77,77,0,0,null,null,77,77,76,76,76,76,76,79,79,79,79,81,81,81,84,84,null,null,76,79,81,84,85,null,null,77,77,76,76,76,76]
["Number of customers ",463552,475838,-12286,-2.5819711750637797E-2,null,463552,468071,-4519,-9.6545182247992356E-3,null,null,463552,468071,478267,477294,475838,474668,475235,475925,479399,482265,487323,513973,538817,538202,541585,542413,null,null,475838,479399,538817,544239,601716,null,null,463552,468071,478267,477294,475838,474668]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",39.021107999999998,38.677565999999999,0.34354199999999935,8.8822031872428653E-3,null,9.9541179999999994,9.9480190000000004,6.0989999999989664E-3,6.1308688694694524E-4,null,null,9.9541179999999994,9.9480190000000004,10.002444999999998,9.1165260000000004,9.4099879999999967,9.9759329999999995,10.128917,9.1627279999999995,9.0084209999999931,9.4628139999999998,9.5698640000000008,10.033357000000001,10.208365000000002,10.196012999999999,9.6660330000000005,8.6918489999999995,null,null,38.677565999999999,38.074455999999998,38.762259999999998,34.819578,39.028205999999997,null,null,39.021107999999998,29.066990000000001,19.118970999999998,9.1165260000000004,38.677565999999999,29.267578]
["Net fee and commission income",8.0249310000000005,8.005744,1.9187000000000509E-2,2.3966542022828552E-3,null,2.1272669999999998,2.2174930000000002,-9.0226000000000361E-2,-4.0688290786036418E-2,null,null,2.1272669999999998,2.2174930000000002,1.982305,1.6978660000000001,2.0503169999999997,2.2281519999999997,2.0026450000000002,1.7246300000000001,1.8580600000000003,2.1176819999999998,2.0526849999999999,1.831726,2.1325970000000001,2.2680209999999996,1.768278,1.7083729999999999,null,null,8.005744,7.8601530000000004,7.8772690000000001,7.439228,6.2765009999999997,null,null,8.0249310000000005,5.8976639999999998,3.6801710000000001,1.6978660000000001,8.005744,5.9554270000000002]
["Net trading income",5.4073000000000003E-2,9.3586000000000003E-2,-3.9513E-2,-0.42221058705361914,null,3.7699999999999997E-2,6.2110000000000004E-3,3.1488999999999996E-2,">500,0%",null,null,3.7699999999999997E-2,6.2110000000000004E-3,8.2829999999999987E-3,1.879E-3,-7.3708999999999997E-2,1.8834999999999991E-2,-3.5979999999999901E-3,0.152058,2.172399999999999E-2,4.6324999999999998E-2,5.0305000000000002E-2,1.5938999999999998E-2,-1.1170000000000069E-3,9.8033000000000009E-2,-6.8582000000000004E-2,-1.0985E-2,null,null,9.3586000000000003E-2,0.134293,1.7349E-2,-8.9790999999999996E-2,0.20980299999999999,null,null,5.4073000000000003E-2,1.6372999999999999E-2,1.0161999999999999E-2,1.879E-3,9.3586000000000003E-2,0.167295]
["Sundry net operating income",-0.61251100000000003,-0.43370399999999998,-0.17880700000000005,0.41227888144909897,null,-5.1957000000000003E-2,-0.34182899999999999,0.28987200000000002,-0.84800294884284244,null,null,-5.1957000000000003E-2,-0.34182899999999999,-2.8278999999999999E-2,-0.190446,-0.19231599999999996,-0.14788799999999999,-3.0340000000000006E-2,-6.3159999999999994E-2,-0.10260899999999999,-0.12335500000000001,1.4506E-2,-2.4000000000000001E-4,0.11024700000000001,-8.8234000000000007E-2,-3.6237000000000005E-2,-1.9935999999999999E-2,null,null,-0.43370399999999998,-0.211698,-3.4160000000000003E-2,-9.0412999999999993E-2,0.14266799999999999,null,null,-0.61251100000000003,-0.560554,-0.218725,-0.190446,-0.43370399999999998,-0.24138799999999999]
["Operating income",46.487601000000005,46.343192000000002,0.14440900000000312,3.1160779775376568E-3,null,12.067127999999999,11.829893999999999,0.23723399999999906,2.0053772248508572E-2,null,null,12.067127999999999,11.829893999999999,11.964754000000001,10.625825000000001,11.194279999999997,12.075031999999998,12.097623999999998,10.976255999999999,10.785595999999995,11.503466,11.687360000000002,11.880782,12.450092000000005,12.473832999999992,11.329492000000002,10.369301,null,null,46.343192000000002,45.857203999999996,46.622717999999999,42.078602000000004,45.657177999999995,null,null,46.487601000000005,34.420473000000001,22.590579000000002,10.625825000000001,46.343192000000002,35.148912000000003]
["Staff expenses",-10.989072999999999,-10.824214,-0.16485899999999987,1.5230574709627964E-2,null,-2.6655060000000002,-2.876414,0.21090799999999987,-7.3323242064598393E-2,null,null,-2.6655060000000002,-2.876414,-2.735754,-2.7113990000000001,-2.4906860000000006,-2.7456619999999989,-2.9796640000000001,-2.6082019999999999,-2.9156020000000002,-2.6979700000000002,-2.6729699999999998,-2.6341160000000001,-2.9543370000000007,-2.6592099999999999,-2.7093129999999999,-2.464359,null,null,-10.824214,-10.920658,-10.787219,-9.3956569999999999,-9.6757069999999992,null,null,-10.989072999999999,-8.3235670000000006,-5.4471530000000001,-2.7113990000000001,-10.824214,-8.3335279999999994]
["Other administrative expenses",-11.712987999999999,-11.273073999999999,-0.43991399999999992,3.9023428747118949E-2,null,-3.850851,-2.5021969999999998,-1.3486540000000002,0.53898793740061257,null,null,-3.850851,-2.5021969999999998,-2.7708900000000001,-2.5890499999999999,-3.8060969999999994,-2.6937800000000003,-2.4170239999999996,-2.3561730000000001,-3.0872049999999995,-2.7343359999999999,-2.9420730000000002,-3.3057940000000001,-3.6896480000000005,-2.9337820000000003,-2.8443409999999996,-2.7097000000000002,null,null,-11.273073999999999,-12.069407999999999,-12.177471000000001,-11.581794,-11.744745999999999,null,null,-11.712987999999999,-7.8621369999999997,-5.3599399999999999,-2.5890499999999999,-11.273073999999999,-7.466977]
["Depreciation on intangible and tangible fixed ass.",-2.5628649999999999,-3.1023510000000001,0.53948600000000013,-0.17389586155789594,null,-0.62603399999999998,-0.69768699999999995,7.1652999999999967E-2,-0.10270078129591054,null,null,-0.62603399999999998,-0.69768699999999995,-0.60130499999999998,-0.63783900000000004,-0.69958499999999979,-0.73154600000000036,-0.78651799999999994,-0.88470199999999999,-1.080219,-0.91927499999999995,-0.75780199999999998,-0.80934600000000001,-0.83617100000000033,-0.83467599999999986,-0.82011000000000001,-0.82797799999999999,null,null,-3.1023510000000001,-3.5666419999999999,-3.3189350000000002,-3.340182,-2.830603,null,null,-2.5628649999999999,-1.936831,-1.239144,-0.63783900000000004,-3.1023510000000001,-2.4027660000000002]
["General administrative expenses",-25.264925999999999,-25.199638999999998,-6.5287000000001427E-2,2.5907910823643743E-3,null,-7.1423909999999999,-6.0762979999999995,-1.0660930000000004,0.17545107234701129,null,null,-7.1423909999999999,-6.0762979999999995,-6.1079489999999996,-5.938288,-6.9963679999999977,-6.1709880000000004,-6.1832059999999993,-5.8490770000000003,-7.0830260000000003,-6.3515810000000004,-6.3728449999999999,-6.7492560000000008,-7.4801559999999991,-6.4276680000000006,-6.3737639999999995,-6.0020369999999996,null,null,-25.199638999999998,-26.556708,-26.283625000000001,-24.317633000000001,-24.251055999999998,null,null,-25.264925999999999,-18.122535000000003,-12.046237,-5.938288,-25.199638999999998,-18.203271000000001]
["Operating result",21.222675000000006,21.143553000000004,7.9122000000001691E-2,3.7421335950491574E-3,null,4.9247369999999986,5.7535959999999999,-0.82885900000000134,-0.14405929787214833,null,null,4.9247369999999986,5.7535959999999999,5.8568050000000014,4.6875370000000007,4.1979119999999996,5.9040439999999981,5.9144179999999986,5.127178999999999,3.7025699999999944,5.1518849999999992,5.3145150000000019,5.1315259999999991,4.9699360000000041,6.0461649999999914,4.9557280000000024,4.3672640000000005,null,null,21.143553000000004,19.300495999999995,20.339092999999998,17.760969000000003,21.406121999999996,null,null,21.222675000000006,16.297937999999998,10.544342000000002,4.6875370000000007,21.143553000000004,16.945641000000002]
["Net provisioning for impairment losses",-2.5634160000000001,-4.3916940000000002,1.8282780000000001,-0.41630359492259705,null,-1.667106,-1.177322,-0.489784,0.41601532970589195,null,null,-1.667106,-1.177322,-0.34347299999999997,0.62448499999999996,-0.96956100000000056,-0.98099699999999967,-1.1757040000000003,-1.2654319999999999,-0.58429000000000064,-0.94655699999999998,-1.7162599999999999,-1.4506049999999999,-2.9266759999999996,-1.149154,-1.1118029999999999,-0.63845200000000002,null,null,-4.3916940000000002,-4.6977120000000001,-5.826085,-5.7559469999999999,-12.886778,null,null,-2.5634160000000001,-0.89631000000000005,0.28101199999999998,0.62448499999999996,-4.3916940000000002,-3.4221330000000001]
["Other results",-0.250579,0.79938699999999985,-1.049966,"–",null,-3.1271999999999994E-2,-0.10212899999999998,7.0856999999999989E-2,-0.69379901888787709,null,null,-3.1271999999999994E-2,-0.10212899999999998,-3.1013999999999986E-2,-8.6164000000000004E-2,0.3082769999999998,0.20829700000000007,0.15979899999999997,0.12301400000000001,-0.22725499999999998,-0.25769399999999998,-0.16934600000000002,0.58382000000000001,-0.25411399999999995,-0.45163399999999998,-0.24213899999999999,0.41471799999999998,null,null,0.79938699999999985,-7.0474999999999954E-2,-0.533169,-0.23974500000000001,-1.186242,null,null,-0.250579,-0.21930699999999997,-0.11717799999999999,-8.6164000000000004E-2,0.79938699999999985,0.49111000000000005]
["Net income from derivatives",0.111222,1.2352639999999999,-1.124042,-0.90996094761929436,null,7.6188000000000006E-2,6.5821000000000005E-2,1.0367000000000001E-2,0.15750292459853243,null,null,7.6188000000000006E-2,6.5821000000000005E-2,-2.2040999999999998E-2,-8.7460000000000003E-3,0.19278099999999987,0.19134800000000007,0.48439699999999997,0.36673800000000001,-0.10192599999999999,-0.23332800000000001,-0.18237800000000001,-5.3977999999999998E-2,0,0,0,0,null,null,1.2352639999999999,-0.51763199999999998,0,0,0,null,null,0.111222,3.5034000000000003E-2,-3.0786999999999998E-2,-8.7460000000000003E-3,1.2352639999999999,1.042483]
["Net income from financial investments",-0.36180099999999998,-0.43587700000000001,7.4076000000000031E-2,-0.1699470263399997,null,-0.10746,-0.16794999999999999,6.0489999999999988E-2,-0.3601667162846085,null,null,-0.10746,-0.16794999999999999,-8.9729999999999949E-3,-7.7418000000000001E-2,0.11549599999999999,1.6948999999999992E-2,-0.324598,-0.243724,-0.12532899999999997,-2.4365999999999999E-2,1.3032E-2,0.63779799999999998,-0.25411399999999995,-0.45163399999999998,-0.24213899999999999,0.41471799999999998,null,null,-0.43587700000000001,0.44715700000000003,-0.533169,-0.23974500000000001,-1.186242,null,null,-0.36180099999999998,-0.25434099999999998,-8.6390999999999996E-2,-7.7418000000000001E-2,-0.43587700000000001,-0.551373]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",18.40868,17.551245999999999,0.85743400000000136,4.8853169740769475E-2,null,3.226359,4.474145,-1.2477860000000001,-0.27888814510928905,null,null,3.226359,4.474145,5.4823180000000002,5.2258579999999997,3.5366279999999986,5.1313440000000003,4.8985129999999995,3.9847610000000002,2.8910250000000008,3.9476339999999999,3.428909,4.2647409999999999,1.7891460000000006,4.4453769999999997,3.6017859999999997,4.1435300000000002,null,null,17.551245999999999,14.532309,13.979839,11.765276999999999,7.3331020000000002,null,null,18.40868,15.182321,10.708176,5.2258579999999997,17.551245999999999,14.014618]
["Income taxes",-2.0870690000000001,-1.822246,-0.26482300000000003,0.14532779877140634,null,-0.329044,-0.45325799999999999,0.12421399999999999,-0.27404701075325755,null,null,-0.329044,-0.45325799999999999,-0.68288899999999997,-0.62187800000000004,-0.32549200000000011,-0.55717799999999995,-0.53518599999999994,-0.40439000000000003,-0.30538500000000002,-0.42945299999999997,-0.43898999999999999,-0.42269299999999999,-0.23249399999999998,-0.48639300000000008,-0.367896,-0.30436200000000002,null,null,-1.822246,-1.5965210000000001,-1.3911450000000001,-1.4961089999999999,-0.308641,null,null,-2.0870690000000001,-1.7580249999999999,-1.304767,-0.62187800000000004,-1.822246,-1.4967539999999999]
["Profit/loss after tax",16.321611000000001,15.728999999999999,0.59261100000000155,3.7676330345222331E-2,null,2.8973149999999999,4.0208870000000001,-1.1235720000000002,-0.27943386620912258,null,null,2.8973149999999999,4.0208870000000001,4.7994289999999999,4.60398,3.2111359999999998,4.574166,4.363327,3.580371,2.5856399999999997,3.5181809999999998,2.989919,3.8420480000000001,1.5566519999999988,3.9589840000000009,3.2338899999999997,3.8391679999999999,null,null,15.728999999999999,12.935788000000001,12.588694,10.269168000000001,7.0244609999999996,null,null,16.321611000000001,13.424296,9.4034089999999999,4.60398,15.728999999999999,12.517863999999999]
[]
[]
["Total assets",777.80745000000002,699.18851800000004,78.618931999999973,0.11244311080062674,null,777.80745000000002,781.97908399999994,-4.1716339999999263,-5.3347130189992376E-3,null,null,777.80745000000002,781.97908399999994,734.09226200000001,716.58480499999996,699.18851800000004,654.23242800000003,623.50112899999999,628.29695400000003,628.928358,649.35017300000004,635.21430899999996,649.83735899999999,680.34296199999994,702.02509699999996,667.49979199999996,702.94898000000001,null,null,699.18851800000004,628.928358,680.34296199999994,673.09777799999995,672.11316399999998,null,null,777.80745000000002,781.97908399999994,734.09226200000001,716.58480499999996,699.18851800000004,654.23242800000003]
["Loans and advances to customers",487.73418600000002,457.84694500000001,29.887241000000017,6.5277799330953235E-2,null,487.73418600000002,482.64930199999998,5.084884000000045,1.0535359688555124E-2,null,null,487.73418600000002,482.64930199999998,488.46796000000001,457.00607600000001,457.84694500000001,453.61366400000003,462.20803100000001,444.37257,428.29904099999999,426.71923600000002,428.14600899999999,422.86838999999998,428.47309799999999,421.29449099999999,418.015782,388.87796300000002,null,null,457.84694500000001,428.29904099999999,428.47309799999999,386.465845,371.53588000000002,null,null,487.73418600000002,482.64930199999998,488.46796000000001,457.00607600000001,457.84694500000001,453.61366400000003]
["  Hereof corporate %",0.3935599113407236,0.3942037405508827,-6.43829210159097E-2,-1.6332397284190003E-3,null,0.3935599113407236,0.40536129688632594,-1.1801385545602339,-2.9113251897138426E-2,null,null,0.3935599113407236,0.40536129688632594,0.41490947206367662,0.38902115070699289,0.3942037405508827,0.3936430533449144,0.39829038008861811,0.38983466592254706,0.37679985243953407,0.36239773715255236,0.34511358274980963,0.34172602325075435,0.33838538250951633,0.31991435909364957,0.31809547959886703,0.30373279023241223,null,null,0.3942037405508827,0.37679985243953407,0.33838538250951633,0.29886458317161146,0.27,null,null,0.3935599113407236,0.40536129688632594,0.41490947206367662,0.38902115070699289,0.3942037405508827,0.3936430533449144]
["  Hereof retail % ",0.60644008865927634,0.6057962594491173,6.4382921015904149E-2,1.0627817523081173E-3,null,0.60644008865927634,0.59463870311367406,1.1801385545602283,1.9846312531974997E-2,null,null,0.60644008865927634,0.59463870311367406,0.58509052793632332,0.61097884929300705,0.6057962594491173,0.60635474213758833,0.60170961991138194,0.61016533407745299,0.62320014756046593,0.63760460631000726,0.65488641725019037,0.65827397674924559,0.66161461749048367,0.6800880145456617,0.68190452040113292,0.69626720976758782,null,null,0.6057962594491173,0.62320014756046593,0.66161461749048367,0.70113541682838854,0.72899999999999998,null,null,0.60644008865927634,0.59463870311367406,0.58509052793632332,0.61097884929300705,0.6057962594491173,0.60635474213758833]
["  Hereof FCY % ",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Deposits from customers",604.21607500000005,557.66471799999999,46.551357000000053,8.3475528390878129E-2,null,604.21607500000005,613.42428299999995,-9.2082079999998996,-1.5011156641804968E-2,null,null,604.21607500000005,613.42428299999995,579.91724699999997,563.940921,557.66471799999999,515.25239899999997,499.97752500000001,507.99447300000003,513.86652300000003,524.21033199999999,521.09506999999996,523.53724599999998,557.27581999999995,580.43722100000002,546.60958900000003,567.77726800000005,null,null,557.66471799999999,513.86652300000003,557.27581999999995,550.20225100000005,547.81034299999999,null,null,604.21607500000005,613.42428299999995,579.91724699999997,563.940921,557.66471799999999,515.25239899999997]
["Loan/deposit ratio (net)*",0.76725907201326948,0.77709650801326113,-0.98374359999916505,-1.2659220442441832E-2,null,0.76725907201326948,0.7491578483859922,1.8101223627277285,2.4162095700225317E-2,null,null,0.76725907201326948,0.7491578483859922,0.80363768004989178,0.76905550714593385,0.77709650801326113,0.88037176513951565,0.92445761636985579,0.87475867084876724,0.83348305801193434,0.81402294070006997,0.82162744122679954,0.8077140513513722,0.76887078646261742,0.72582266566947118,0.76474286293576155,0.68491287854800131,null,null,0.77709650801326113,0.83348305801193434,0.76887078646261742,0.70240687728484041,0.67821990721339853,null,null,0.76725907201326948,0.7491578483859922,0.80363768004989178,0.76905550714593385,0.77709650801326113,0.88037176513951565]
[]
["Equity",124.21016300000001,107.888552,16.321611000000004,0.1512821397399049,null,124.21016300000001,121.312848,2.8973150000000061,2.3883002070811177E-2,null,null,124.21016300000001,121.312848,112.291961,112.49253199999998,107.888552,104.67741600000001,107.60325,103.239923,99.659552000000005,97.16270200000001,93.644521000000012,102.65460200000001,99.254996000000006,97.610838999999999,93.625290000000007,95.356056000000009,null,null,107.888552,99.659552000000005,99.254996000000006,91.521382999999986,81.299865999999994,null,null,124.21016300000001,121.312848,112.291961,112.49253199999998,107.888552,104.67741600000001]
["Return on equity before tax",0.17221696964659294,0.19623122371009713,-2.4014254063504188,-0.1223773342971235,null,0.1195867462417962,0.16979719852544681,-5.0210452283650602,-0.29570836692058711,null,null,0.1195867462417962,0.16979719852544681,0.20808020969867771,0.20898405515505411,0.15350022534831756,0.21400763085620503,0.19660987438514671,0.171035094149736,0.13327584834432182,0.18189231018361698,0.14777781031647938,0.18394510692906149,8.2618025459987213E-2,0.20541098961526991,0.16181518727110011,0.18110004983602582,null,null,0.19623122371009713,0.16762562395010563,0.1569113937363292,0.1514451241536626,9.8922766561092279E-2,null,null,0.17221696964659294,0.18990925149316767,0.2196007196255545,0.20898405515505411,0.19623122371009713,0.20892006869252505]
["Return on equity after tax",0.1526920119297254,0.1758576523704424,-2.3165640440717006,-0.13172949899228048,null,0.10739055191550283,0.15259571341281702,-4.5205161497314199,-0.29624135885796954,null,null,0.10739055191550283,0.15259571341281702,0.18216130344024462,0.18411491668024008,0.13937289972937364,0.19076998712286758,0.17512930421360914,0.15367774656396821,0.11919764253612894,0.16210471126100032,0.12885838698070953,0.16571368113247367,7.1882068075126274E-2,0.18293585028019446,0.14528695374021053,0.16779738921375628,null,null,0.1758576523704424,0.1492102552172741,0.14129701499853933,0.13218689391799437,9.4759232275849536E-2,null,null,0.1526920119297254,0.16791885807069454,0.19284286916216317,0.18411491668024008,0.1758576523704424,0.18660751272447715]
["Cost/income ratio**",0.54347665735644224,0.54376140081157975,-2.8474345513751498E-2,-5.2365514490826381E-4,null,0.59188822725672585,0.51363925999675053,7.8248967259975322,0.1523422630514466,null,null,0.59188822725672585,0.51363925999675053,0.51049515936558321,0.55885430072488484,0.62499490811378666,0.51105355248748008,0.51110912357666272,0.53288452820342391,0.65671159943317026,0.55214497960875453,0.54527669208443985,0.56808179798265812,0.6008113032417749,0.51529213193731249,0.56258162325371686,0.57882754102711453,null,null,0.54376140081157975,0.57911747083402654,0.56375145267163529,0.57790971762797627,0.53115538590668043,null,null,0.54347665735644224,0.52650453118410068,0.53324162253654495,0.55885430072488484,0.54376140081157975,0.51789002743527313]
["Net interest margin (avg. interest bearing assets)",5.3066745325071142E-2,6.0688201791971291E-2,-0.76214564669001494,-0.12558382423366554,null,5.1375523364117444E-2,5.2782839663590833E-2,-0.14073162994733893,-2.6662383237485154E-2,null,null,5.1375523364117444E-2,5.2782839663590833E-2,5.5871961544864381E-2,5.236109686016141E-2,5.6928859002996261E-2,6.2560650179970978E-2,6.5626149434586736E-2,5.8678997093304541E-2,5.7278470318699717E-2,5.9878413062379156E-2,6.0598110169154701E-2,6.1338792389427972E-2,5.9975173454328158E-2,null,null,null,null,null,6.0688201791971291E-2,5.9642676859842841E-2,5.7476785370775392E-2,null,null,null,null,5.3066745325071142E-2,5.3581364106185143E-2,5.4151148193663894E-2,5.236109686016141E-2,6.0688201791971291E-2,6.1963642601493577E-2]
["Provisioning ratio (avg. loans and advances to customers)",5.4064313689889303E-3,9.9118972931848282E-3,-0.45054659241958978,-0.45455131252154346,null,1.3743894207729965E-2,9.6987010411107265E-3,0.40451931666192381,0.41708607673053599,null,null,1.3743894207729965E-2,9.6987010411107265E-3,2.9062500876544427E-3,-5.4608553344876586E-3,8.5099541586442871E-3,8.569327460625397E-3,1.0374843659378062E-2,1.1600533204465614E-2,5.4669240713786579E-3,8.8580697885314082E-3,1.613378106896168E-2,1.3631239829815506E-2,5.5524233421302468E-3,1.0953317617738725E-2,1.1023042445322213E-2,6.5875498679419386E-3,null,null,9.9118972931848282E-3,1.0966070875000757E-2,5.5524233421302468E-3,1.5187160688849354E-2,null,null,null,5.4064313689889303E-3,2.5386044596455259E-3,-1.1878160156422771E-3,-5.4608553344876586E-3,9.9118972931848282E-3,1.0347609177486564E-2]
[]
["NPL ratio",0.10192072427336475,9.2910848187487627E-2,0.90098760858771243,9.6973348770811096E-2,null,0.10192072427336475,0.10783903713176819,-0.59183128584034406,-5.4880987588676877E-2,null,null,0.10192072427336475,0.10783903713176819,9.7546135881665594E-2,8.8902019324574574E-2,9.2910848187487627E-2,8.7777847450380156E-2,8.3137895542104948E-2,8.4886652657251108E-2,8.0585046185055548E-2,8.5088753767828748E-2,8.8482567170210372E-2,9.8640650345134584E-2,9.1801376057453199E-2,9.1484659361472639E-2,9.7502333057846127E-2,0.10900777985074968,null,null,9.2910848187487627E-2,8.0585046185055548E-2,9.1801376057453199E-2,null,null,null,null,0.10192072427336475,0.10783903713176819,9.7546135881665594E-2,8.8902019324574574E-2,9.2910848187487627E-2,8.7777847450380156E-2]
["NPL coverage ratio",0.48543324243393954,0.57565222346354217,-9.0218981029602627,-0.15672480249755605,null,0.48543324243393954,0.44377291183158701,4.166033060235252,9.3877588044767313E-2,null,null,0.48543324243393954,0.44377291183158701,0.47062904546034751,0.57358883902027735,0.57565222346354217,0.60694190412186122,0.68850336832148984,0.69950672431756056,0.76981638266910335,0.74077410762640494,0.73828247146815373,0.64575862114350602,0.68717776949552078,0.73940871179357837,0.69697074752890953,0.64301791610272563,null,null,0.57565222346354217,0.76981638266910335,0.68717776949552078,null,null,null,null,0.48543324243393954,0.44377291183158701,0.47062904546034751,0.57358883902027735,0.57565222346354217,0.60694190412186122]
[]
["Number of employees",705,699,6,8.5836909871244149E-3,null,705,707,-2,-2.8288543140028155E-3,null,null,705,707,702,700,699,701,704,698,688,697,708,714,720,717,713,702,null,null,699,688,720,693,668,null,null,705,707,702,700,699,701]
["Business outlets",52,54,-2,-3.703703703703709E-2,null,52,54,-2,-3.703703703703709E-2,null,null,52,54,54,54,54,51,52,52,52,54,54,54,54,52,52,52,null,null,54,52,54,52,51,null,null,52,54,54,54,54,51]
["Number of customers ",278432,251035,27397,0.10913617623040617,null,278432,270403,8029,2.9692717906236288E-2,null,null,278432,270403,262458,253830,251035,246190,243527,258799,273486,269087,262318,257216,252343,245849,238581,231193,null,null,251035,273486,252343,266122,276797,null,null,278432,270403,262458,253830,251035,246190]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

{"sheet":"SEE-RS","index":25,"n_rows":49,"n_cols":43,"rows_kept":49,"cut":false,"hidden":false,"merged":[[0,36,2,36],[0,11,2,11],[0,29,2,29],[48,0,48,3],[0,28,2,28],[47,0,47,1],[47,2,47,3]]}
["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",99.618741422999989,110.38467245699999,-10.765931034000005,-9.7531032111309091E-2,null,23.795815708999999,25.323435393,-1.5276196840000011,-6.0324346214979618E-2,null,null,23.795815708999999,25.323435393,25.107586601000005,25.391903719999998,27.353865119999988,28.302919512999999,30.184183185999998,24.543704638000001,24.231964557999994,21.230888635000007,22.030750268999999,23.077282607999997,23.746300771999991,26.275807624000009,27.889920183999998,26.550441305,null,null,110.38467245699999,90.57088607,104.462469885,102.983042262,121.144367,null,null,99.618741422999989,75.822925714000007,50.499490321000003,25.391903719999998,110.38467245699999,83.030807336999999]
["Net fee and commission income",35.749319356000001,35.515165627000002,0.23415372899999909,6.5930631285577856E-3,null,9.2654928139999999,9.0346794460000002,0.23081336799999974,2.5547488361879811E-2,null,null,9.2654928139999999,9.0346794460000002,9.2094754190000003,8.2396716770000005,8.973989607,9.1988893770000004,9.0608997130000013,8.28138693,9.1975322410000029,8.5462429959999984,8.8860769180000005,8.393899395,9.4899671499999965,9.0266979999999979,8.7568217690000001,7.6415645140000006,null,null,35.515165627000002,35.02375155,34.915051432999995,33.499391095,38.478647000000002,null,null,35.749319356000001,26.483826541999999,17.449147096000001,8.2396716770000005,35.515165627000002,26.541176020000002]
["Net trading income",1.590316064,3.0206234869999999,-1.4303074229999999,-0.47351397125649108,null,0.81432545499999998,-0.217026684,1.031352139,"–",null,null,0.81432545499999998,-0.217026684,0.48522567599999999,0.50779161699999997,0.6913321240000001,0.94834578799999991,0.16230216899999994,1.218643406,1.0633972679999999,1.1571935789999999,-2.0715334269999999,0.46369539500000001,1.327528417000001,0.57479854599999958,0.18296515300000005,1.357794027,null,null,3.0206234869999999,0.61275281500000001,3.4430861430000004,0.36097995299999996,2.0890749999999998,null,null,1.590316064,0.77599060900000005,0.99301729299999997,0.50779161699999997,3.0206234869999999,2.3292913629999998]
["Sundry net operating income",5.2045098279999999,1.4182048810000001,3.7863049469999996,2.6697869946197144,null,1.1501830740000001,1.309695174,-0.15951209999999993,-0.12179330211077033,null,null,1.1501830740000001,1.309695174,1.411318386,1.333313194,-1.0694347480000004,-1.0470891979999997,1.8841832299999999,1.650545597,1.2742066760000006,1.7665316680000001,1.525971057,0.738732956,0.88484821899999977,1.6107887679999999,1.384904197,0.414684259,null,null,1.4182048810000001,5.3054423570000004,4.2952254429999996,3.9596562200000003,-0.172652,null,null,5.2045098279999999,4.0543267539999999,2.7446315800000001,1.333313194,1.4182048810000001,2.4876396290000002]
["Operating income",142.162886671,150.33866645200001,-8.175779781000017,-5.4382415209266011E-2,null,35.025817052000001,35.450783329000004,-0.42496627700000289,-1.1987500334086132E-2,null,null,35.025817052000001,35.450783329000004,36.213606081999998,35.472680208,35.949752102999987,37.403065479999995,41.291568297999994,35.694280571,35.767100743,32.700856878000003,30.371264817,32.673610353999997,35.448644557999955,37.488092938000023,38.214611302999991,35.964484104999997,null,null,150.33866645200001,131.51283279199998,147.11583290399997,140.80306952999999,161.53943700000002,null,null,142.162886671,107.13706961900002,71.686286289999998,35.472680208,150.33866645200001,114.38891434899999]
["Staff expenses",-32.366542475999999,-34.730308141999998,2.363765665999999,-6.8060601602939808E-2,null,-9.3539653149999999,-7.2657021770000005,-2.0882631379999994,0.28741380903424818,null,null,-9.3539653149999999,-7.2657021770000005,-8.0684534180000007,-7.6784215659999999,-8.2361815079999925,-8.9411856170000039,-9.077154822999999,-8.4757861939999994,-9.6477448479999985,-8.8169930670000021,-7.3689783000000002,-9.5513454099999997,-9.7572797510000022,-8.8788566839999987,-8.962007014000001,-9.0260700490000012,null,null,-34.730308141999998,-35.385061624999999,-36.624213498000003,-37.984274323000001,-41.304665,null,null,-32.366542475999999,-23.012577160999999,-15.746874984,-7.6784215659999999,-34.730308141999998,-26.494126634000001]
["Other administrative expenses",-32.074331481000002,-29.361430795,-2.7129006860000011,9.2396746771004956E-2,null,-9.9625242620000005,-7.7445063669999996,-2.2180178950000009,0.28639887294187827,null,null,-9.9625242620000005,-7.7445063669999996,-7.4969028209999999,-6.8703980309999997,-8.0362161189999988,-7.0862632630000002,-7.3914593950000009,-6.8474920179999996,-9.0566599560000007,-7.7990602120000005,-7.2603609579999997,-7.2203194249999996,-8.1973340879999963,-7.3145959870000006,-8.0414142769999994,-6.875612061,null,null,-29.361430795,-31.336400551000001,-30.428956412999998,-30.955752921999999,-34.501817000000003,null,null,-32.074331481000002,-22.111807218999999,-14.367300852,-6.8703980309999997,-29.361430795,-21.325214676000002]
["Depreciation on intangible and tangible fixed ass.",-9.7158574690000012,-10.898744115,1.1828866459999983,-0.10853421582510459,null,-2.375808658,-2.4039334380000001,2.8124780000000182E-2,-1.1699483669314503E-2,null,null,-2.375808658,-2.4039334380000001,-2.4361373609999997,-2.4999780120000001,-2.6676925730000001,-2.7164810249999993,-2.695637595,-2.8189329220000001,-2.8405740009999998,-2.7372218309999989,-2.8379605529999998,-3.090181388,-3.4675561289999997,-3.4151932109999987,-3.5126042780000009,-3.3702854229999999,null,null,-10.898744115,-11.505937772999999,-13.765639041,-13.196483082,-12.445736999999999,null,null,-9.7158574690000012,-7.340048811,-4.9361153729999998,-2.4999780120000001,-10.898744115,-8.2310515419999994]
["General administrative expenses",-74.156731426000007,-74.990483052000002,0.83375162599999442,-1.1118099151619765E-2,null,-21.692298234999999,-17.414141982,-4.2781562529999988,0.24567137774701076,null,null,-21.692298234999999,-17.414141982,-18.0014936,-17.048797609000001,-18.9400902,-18.743929905000002,-19.164251813,-18.142211134,-21.544978805,-19.353275109999998,-17.467299811,-19.861846223000001,-21.422169967999992,-19.608645882000005,-20.516025569,-19.271967533000002,null,null,-74.990483052000002,-78.227399949000002,-80.818808951999998,-82.136510326999996,-88.252218999999997,null,null,-74.156731426000007,-52.464433190999998,-35.050291209000001,-17.048797609000001,-74.990483052000002,-56.050392852000002]
["Operating result",68.006155244999988,75.348183400000011,-7.3420281550000226,-9.7441342626981231E-2,null,13.333518817000002,18.036641347000003,-4.7031225300000017,-0.2607537866678411,null,null,13.333518817000002,18.036641347000003,18.212112481999998,18.423882598999999,17.009661902999987,18.659135574999993,22.127316484999994,17.552069437,14.222121938000001,13.347581768000005,12.903965006,12.811764130999997,14.026474589999964,17.879447056000025,17.698585733999991,16.692516571999995,null,null,75.348183400000011,53.285432842999981,66.297023951999975,58.666559202999991,73.287218000000024,null,null,68.006155244999988,54.672636428000018,36.635995080999997,18.423882598999999,75.348183400000011,58.338521496999988]
["Net provisioning for impairment losses",-19.339697079,-22.550937680000001,3.2112406010000001,-0.14239942686941964,null,-6.8998487070000003,-4.6747967019999992,-2.2250520050000011,0.47596765096716753,null,null,-6.8998487070000003,-4.6747967019999992,-5.0837490079999998,-2.6813026619999998,-8.4938182869999981,-5.1023640100000005,-4.9978561510000006,-3.956899232,-6.4836199260000011,-2.3283645849999997,-4.3132849699999998,-2.1381342110000001,-3.5688195780000012,-3.9508681419999991,-2.1697049250000013,-8.6077126009999994,null,null,-22.550937680000001,-15.263403692000001,-18.297105246000001,-32.362379039000004,-36.530842999999997,null,null,-19.339697079,-12.439848372,-7.7650516700000001,-2.6813026619999998,-22.550937680000001,-14.057119393000001]
["Other results",-0.36487820500000001,0.780594275,-1.14547248,"–",null,-0.197030595,-1.8672245999999997E-2,-0.178358349,">500,0%",null,null,-0.197030595,-1.8672245999999997E-2,6.4634169999999991E-3,-0.155638781,-6.3639910000001798E-3,-0.96604477899999974,-2.6226275090000009,4.3756305540000007,2.2336682800000007,2.7748580079999994,2.6992133750000002,5.0781119409999995,2.0171417210000002,1.7027997290000005,1.4025822130000001,0.80061490599999996,null,null,0.780594275,12.785851603999999,5.9231385690000007,0.89866894799999997,-0.47137499999999999,null,null,-0.36487820500000001,-0.16784760999999998,-0.149175364,-0.155638781,0.780594275,0.78695826600000007]
["Net income from derivatives",1.0192717E-2,-6.0577961999999999E-2,7.0770679000000003E-2,"–",null,4.6545843999999996E-2,-2.7897941999999998E-2,7.4443785999999998E-2,"–",null,null,4.6545843999999996E-2,-2.7897941999999998E-2,-5.6597080000000003E-3,-2.7954770000000002E-3,-4.8668971000000005E-2,-1.7127990999999999E-2,2.4199999999999998E-3,2.7989999999999998E-3,5.6369999999999996E-3,-1.16E-3,1.16E-3,0,0,0,0,0,null,null,-6.0577961999999999E-2,5.6369999999999996E-3,0,0,0,null,null,1.0192717E-2,-3.6353126999999999E-2,-8.4551850000000005E-3,-2.7954770000000002E-3,-6.0577961999999999E-2,-1.1908991000000001E-2]
["Net income from financial investments",-0.37507092200000003,0.84117223699999999,-1.216243159,"–",null,-0.24357643900000001,9.2256960000000002E-3,-0.25280213499999998,"–",null,null,-0.24357643900000001,9.2256960000000002E-3,1.2123125000000012E-2,-0.15284330400000001,4.2304979999999937E-2,-0.94891678800000001,-2.6250475090000003,4.3728315540000002,2.2280312799999997,2.7760180079999994,2.6980533750000002,5.0781119409999995,2.0171417210000002,1.7027997290000005,1.4025822130000001,0.80061490599999996,null,null,0.84117223699999999,12.780214603999999,5.9231385690000007,0.89866894799999997,-0.47137499999999999,null,null,-0.37507092200000003,-0.131494483,-0.140720179,-0.15284330400000001,0.84117223699999999,0.79886725700000005]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",48.301579961000002,53.577839994999998,-5.2762600339999963,-9.8478401415443173E-2,null,6.2366395149999994,13.343172399,-7.1065328840000008,-0.53259694707478999,null,null,6.2366395149999994,13.343172399,13.134826891000001,15.586941156,8.5094796249999973,12.590726785999998,14.506832825000004,17.970800758999999,9.9694852920000017,13.796760190999999,11.289893411,15.751741860999999,12.474796733,15.631378642999996,16.931463022000003,8.8854188770000011,null,null,53.577839994999998,50.807880754999999,53.923057274999998,27.202849111999999,36.284999999999997,null,null,48.301579961000002,42.064940446000001,28.721768047000001,15.586941156,53.577839994999998,45.068360370000001]
["Income taxes",-5.3761937359999994,-7.4833321939999999,2.1071384580000005,-0.28157756509719911,null,-0.74054327800000008,-1.4905564739999999,0.75001319599999983,-0.50317663844516625,null,null,-0.74054327800000008,-1.4905564739999999,-1.3231362009999998,-1.821957783,-1.4946627399999994,-1.9385317220000005,-1.8863124929999997,-2.1638252389999999,-0.47751610999999983,-1.2996362270000001,-0.73342663200000002,-1.1217975650000001,-0.6137660110000005,-1.0897930709999999,-1.3584127929999998,-0.93623769999999995,null,null,-7.4833321939999999,-3.632376534,-3.9982095750000002,-1.156983305,-2.0866579999999999,null,null,-5.3761937359999994,-4.6356504579999998,-3.1450939839999998,-1.821957783,-7.4833321939999999,-5.9886694540000001]
["Profit/loss after tax",42.925386225000004,46.094507800999999,-3.1691215759999949,-6.8752693697951672E-2,null,5.4960962369999997,11.852615925,-6.3565196880000006,-0.53629677433422784,null,null,5.4960962369999997,11.852615925,11.811690689999999,13.764983373,7.0148168850000037,10.652195063999995,12.620520332,15.80697552,9.4919691820000001,12.497123963999998,10.556466779000001,14.629944296,11.861030722000002,14.541585571999999,15.573050229,7.9491811769999998,null,null,46.094507800999999,47.175504220999997,49.924847700000001,26.045865806999998,34.198340999999999,null,null,42.925386225000004,37.429289988000001,25.576674062999999,13.764983373,46.094507800999999,39.079690915999997]
[]
[]
["Total assets",1884.86304258,1874.6878832970001,10.175159282999857,5.4276551172374177E-3,null,1884.86304258,1972.4974847260009,-87.634442146000993,-4.4428164205326914E-2,null,null,1884.86304258,1972.4974847260009,1946.4963195749999,1891.674507429,1874.6878832970001,1861.911265252,1922.1842892039999,1848.972327574,1883.0775209139999,1974.5112578660001,1952.1194441120001,1969.18700375,2206.893244591,2214.2125350860001,2050.0026239680001,2060.0603944059999,null,null,1874.6878832970001,1883.0775209139999,2206.893244591,2129.2357396530001,2762.0478889999999,null,null,1884.86304258,1972.4974847260009,1946.4963195749999,1891.674507429,1874.6878832970001,1861.911265252]
["Loans and advances to customers",1128.5353813090001,1105.1827927950001,23.35258851399999,2.113006885941604E-2,null,1128.5353813090001,1111.8087257760001,16.726655532999985,1.5044544214496414E-2,null,null,1128.5353813090001,1111.8087257760001,1111.836759113,1066.9232224899999,1105.1827927950001,1167.104366474,1212.9194108239999,1194.773482154,1204.372125723,1279.862036321,1240.864967711,1308.7468508449999,1330.7199988570001,1348.1355417969999,1367.7925322049998,1341.234718527,null,null,1105.1827927950001,1204.372125723,1330.7199988570001,1391.3671760969999,1414.947255,null,null,1128.5353813090001,1111.8087257760001,1111.836759113,1066.9232224899999,1105.1827927950001,1167.104366474]
["  Hereof corporate %",0.52167417411151829,0.47864380831047892,4.3030365801039361,8.9900600517383245E-2,null,0.52167417411151829,0.503113384552351,1.856078955916729,3.689186201174488E-2,null,null,0.52167417411151829,0.503113384552351,0.49825199197364362,0.47345216102755305,0.47864380831047892,0.49310601283176136,0.51894809133998232,0.5124914942001535,0.53109006187457031,0.55908918305254784,0.55189968288250535,0.56925593716738221,0.53797718528315497,0.54052187613119151,0.54885132472530562,0.54498801477742531,null,null,0.47864380831047892,0.53109006187457031,0.53797718528315497,0.55476520572932952,0.55000000000000004,null,null,0.52167417411151829,0.503113384552351,0.49825199197364362,0.47345216102755305,0.47864380831047892,0.49310601283176136]
["  Hereof retail % ",0.46713708115071906,0.49895356696583282,-3.181648581511376,-6.3766426219962202E-2,null,0.46713708115071906,0.47671667501086379,-0.95795938601447306,-2.0094941843446956E-2,null,null,0.46713708115071906,0.47671667501086379,0.48248529235850218,0.5024889331282576,0.49895356696583282,0.48097770207282298,0.45635034161390825,0.45796230748435057,0.44356810022152626,0.41215537300115168,0.419651613995076,0.39850100898034535,0.43061425393771791,0.42818009458986334,0.42158499129619759,0.42321740783680711,null,null,0.49895356696583282,0.44356810022152626,0.43061425393771791,0.41582558735401948,0.45,null,null,0.46713708115071906,0.47671667501086379,0.48248529235850218,0.5024889331282576,0.49895356696583282,0.48097770207282298]
["  Hereof FCY % ",0.61294019675188316,0.69774973427679721,-8.4809537524914056,-0.12154721579767758,null,0.61294019675188316,0.64548255605576899,-3.2542359303885826,-5.0415551897694089E-2,null,null,0.61294019675188316,0.64548255605576899,0.72049515671624242,0.74839030885137936,0.69774973427679721,0.67009688461946348,0.69917670739878623,0.71970797213355375,0.66622431959583905,0.67657917449378746,0.71990347317795511,0.67331126675189479,0.66219339963094204,0.65363902417809616,0.65178452068517678,0.67730426856059101,null,null,0.69774973427679721,0.66622431959583905,0.66219339963094193,0.65268968220699863,0.83699999999999997,null,null,0.61294019675188316,0.64548255605576899,0.72049515671624242,0.74839030885137936,0.69774973427679721,0.67009688461946348]
["Deposits from customers",1240.2357249719998,1119.067637423,121.16808754899989,0.10827592854711354,null,1240.2357249719998,1268.7867249210001,-28.550999949000243,-2.2502599836688786E-2,null,null,1240.2357249719998,1268.7867249210001,1220.261044805,1164.4879360059999,1119.067637423,1118.771054524,1117.393284366,1096.6140713310001,1139.1600941229999,1165.3591510880001,1052.2296742369999,1041.7970473370001,1176.2394557539999,1138.9935087860001,1014.616876596,1009.15749003,null,null,1119.067637423,1139.1600941229999,1176.2394557539999,1084.6618774649999,1148.7181,null,null,1240.2357249719998,1268.7867249210001,1220.261044805,1164.4879360059999,1119.067637423,1118.771054524]
["Loan/deposit ratio (net)*",0.81433054420102391,0.891926772593027,-7.7596228392003086,-8.699842944103342E-2,null,0.81433054420102391,0.78726130686163487,2.7069237339389041,3.4384056606692415E-2,null,null,0.81433054420102391,0.78726130686163487,0.82008685160634431,0.82347078948790353,0.891926772593027,1.043202147351376,1.0854901562364416,1.0895113544401818,1.0572457128163399,1.0982554477957274,1.1792719765395179,1.2562397390070998,1.1313342639097022,1.1836200394451013,1.3480877006440997,1.329063829756769,null,null,0.891926772593027,1.0572457128163399,1.1313342639097022,1.2827658139408489,1.2317619570893852,null,null,0.81433054420102391,0.78726130686163487,0.82008685160634431,0.82347078948790353,0.891926772593027,1.043202147351376]
[]
["Equity",466.12862934400005,498.12942452600004,-32.00079518199999,-6.4241929118021179E-2,null,466.12862934400005,516.29708303000007,-50.168453686000021,-9.7169740707376606E-2,null,null,466.12862934400005,516.29708303000007,518.12269947300001,508.381551376,498.12942452600004,491.08542965200002,523.03085331900002,520.24394802500001,496.36969671700001,481.66547609900005,466.35674949899999,475.46178969900006,539.87051151500009,545.86159596200014,524.46879760900003,503.44838365099997,null,null,498.12942452600004,496.36969671699995,539.87051151500009,486.58282939699995,507.20638800000006,null,null,466.12862934400005,516.29708303000007,518.12269947300001,508.381551376,498.12942452600004,491.08542965200002]
["Return on equity before tax",0.10073849523767775,0.11889948836941439,-1.8160993131736636,-0.15274239932228639,null,5.5284266108024463E-2,0.10986802476673897,-5.4583758658714512,-0.49681205040867349,null,null,5.5284266108024463E-2,0.10986802476673897,0.10644509407989509,0.13172274195907333,7.5301742890407808E-2,0.106406979070904,0.11616614376644102,0.15075682438697274,8.929468594113471E-2,0.12469502037812366,0.10013184990838427,0.13253777425976823,0.10002408393086762,0.1239670187403312,0.13593484807090087,7.238025817515116E-2,null,null,0.11889948836941439,0.1082008827834792,0.11043826708555352,5.8564845934947415E-2,7.3663070016435406E-2,null,null,0.10073849523767775,0.11539114339467761,0.12162755679605941,0.13172274195907333,0.11889948836941439,0.13335808199153196]
["Return on equity after tax",8.9525825434574755E-2,0.10229254099624666,-1.2766715561671902,-0.12480592853921124,null,4.8719770669897355E-2,9.7594744417462478E-2,-4.8874973747565127,-0.50079514055082663,null,null,4.8719770669897355E-2,9.7594744417462478E-2,9.5722352275626255E-2,0.11632566869700793,6.207523383047784E-2,9.0024024545951625E-2,0.10106114801074118,0.13260452132965619,8.5017669643362687E-2,0.1129489174114556,9.3626973134022337E-2,0.12309878308360832,9.5102850798805691E-2,0.11532424952968072,0.12502878304898929,6.4753704224529821E-2,null,null,0.10229254099624666,0.10046534369504523,0.10224964872409828,5.6073983719462012E-2,6.9426892311669652E-2,null,null,8.9525825434574755E-2,0.10267478147771816,0.10830908362470251,0.11632566869700793,0.10229254099624666,0.11563750228749788]
["Cost/income ratio**",0.52163214438390637,0.49881035146698532,2.2821792916921044,4.575244449078264E-2,null,0.61932311822434283,0.49122023116918301,12.810288705515982,0.26078503882108928,null,null,0.61932311822434283,0.49122023116918301,0.49709199241960211,0.48061768969898866,0.52684897925678487,0.50113352112870735,0.46412022122027857,0.50826661425247299,0.60236861130592423,0.59182776715004703,0.5751258604555336,0.60788648722342542,0.60431562997986321,0.52306330744617846,0.53686338469676953,0.53586108664132615,null,null,0.49881035146698532,0.59482712286126516,0.54935493588061379,0.58334317995460827,0.54631996148408013,null,null,0.52163214438390637,0.48969449488933758,0.48893997754615726,0.48061768969898866,0.49881035146698532,0.48999846856654783]
["Net interest margin (avg. interest bearing assets)",5.5197781408411903E-2,6.2324838989404961E-2,-0.71270575809930581,-0.11435340542483607,null,5.2294881903044557E-2,5.5022118539359448E-2,-0.27272366363148903,-4.9566187357253266E-2,null,null,5.2294881903044557E-2,5.5022118539359448E-2,5.5741975074894895E-2,5.7396216409843874E-2,6.2566019953395016E-2,6.3297360405096675E-2,6.7493830617228592E-2,5.6036423693515809E-2,5.3357045757057249E-2,4.5752626237890941E-2,4.7175107240955132E-2,4.6000695156775316E-2,4.4648235571546076E-2,null,null,null,null,null,6.2324838989404961E-2,4.7702726514531911E-2,5.1012195430675818E-2,null,null,null,null,5.5197781408411903E-2,5.6041000984338937E-2,5.6542444407023024E-2,5.7396216409843874E-2,6.2324838989404961E-2,6.2070759245823108E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.7569925103020145E-2,1.9528384018225067E-2,-0.1958458915204922,-0.10028781251828978,null,2.4638531858314092E-2,1.6818496415073492E-2,0.78200354432406005,0.46496638285881087,null,null,2.4638531858314092E-2,1.6818496415073492E-2,1.8666577506200328E-2,9.8754025563459937E-3,2.9904031283554774E-2,1.7150632052231433E-2,1.660629116138914E-2,1.31943612559688E-2,2.087925534576934E-2,7.3895017787350735E-3,1.3533934659725182E-2,6.4805033220747552E-3,7.7459993526661211E-3,1.1637622306185095E-2,6.4073328887001213E-3,2.5200048694789919E-2,null,null,1.9528384018225067E-2,1.2041695482391005E-2,7.7459993526661211E-3,2.3063972219498876E-2,null,null,null,1.7569925103020145E-2,1.5154117962888895E-2,1.4009892990465117E-2,9.8754025563459937E-3,1.9528384018225067E-2,1.5806883111853638E-2]
[]
["NPL ratio",0.12896822240061928,0.13092805999454268,-0.19598375939234025,-1.4968812598346704E-2,null,0.12896822240061928,0.12937389018925521,-4.0566778863593278E-2,-3.1356233320533056E-3,null,null,0.12896822240061928,0.12937389018925521,0.13191023034442967,0.13837115257033755,0.13092805999454268,0.13473237399930763,0.12751667474339973,0.12677992796334583,0.12466668548133823,0.11200012574171544,0.11601237261581519,0.12481693835177497,0.12557814877925919,0.12837084004870727,0.12724023410146518,8.4932545134987047E-2,null,null,0.13092805999454268,0.12466668548133823,0.12557814877925919,null,null,null,null,0.12896822240061928,0.12937389018925521,0.13191023034442967,0.13837115257033755,0.13092805999454268,0.13473237399930763]
["NPL coverage ratio",0.81447463264001696,0.73960065815459031,7.4873974485426658,0.1012356785515145,null,0.81447463264001696,0.784316701302609,3.0157931337407962,3.8451216565095425E-2,null,null,0.81447463264001696,0.784316701302609,0.75744206062071318,0.73135305081718516,0.73960065815459031,0.77226921596887532,0.75685290691092399,0.78305253507522543,0.75903145276534234,0.75563275331634316,0.7413069444237107,0.63092982064234515,0.59965951305155551,0.56553239111955778,0.55478212730395193,0.63774951246990008,null,null,0.73960065815459031,0.75903145276534234,0.59965951305155551,null,null,null,null,0.81447463264001696,0.784316701302609,0.75744206062071318,0.73135305081718516,0.73960065815459031,0.77226921596887532]
[]
["Number of employees",1581,1602,-21,-1.310861423220977E-2,null,1581,1590,-9,-5.6603773584905648E-3,null,null,1581,1590,1589,1593,1602,1666,1753,1757,1769,1776,1761,1763,1765,1772,1776,1792,null,null,1602,1769,1765,1848,1982,null,null,1581,1590,1589,1593,1602,1666]
["Business outlets",85,85,0,0,null,85,86,-1,-1.1627906976744207E-2,null,null,85,86,86,85,85,84,86,86,85,85,84,85,85,85,84,84,null,null,85,85,85,95,101,null,null,85,86,86,85,85,84]
["Number of customers ",640337,604122,36215,5.9946500872340325E-2,null,640337,622755,17582,2.8232611540653929E-2,null,null,640337,622755,614340,609052,604122,586174,571677,561702,550790,526210,517591,510594,508503,499849,496254,494809,null,null,604122,550790,508503,501553,585773,null,null,640337,622755,614340,609052,604122,586174]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",273.89079929900004,280.95757965799999,-7.0667803589999494,-2.5152481622322087E-2,null,69.885609187,69.707255625000002,0.17835356199999808,2.558608288346198E-3,null,null,69.885609187,69.707255625000002,66.972082988999986,67.325851498000006,69.379771247999997,70.81796074899998,69.064913305000005,71.694934356000005,73.387419928000028,70.712810943999997,78.517810194999996,80.108174121999994,72.465119111000007,71.335227381000038,64.95164940799998,59.344987111000002,null,null,280.95757965799999,302.72621518900002,268.09698301100002,238.440759654,243.71119999999999,null,null,273.89079929900004,204.00519011199998,134.29793448699999,67.325851498000006,280.95757965799999,211.57780840999999]
["Net fee and commission income",165.16692352700002,168.22179381699999,-3.0548702899999682,-1.8159777164920787E-2,null,38.403879185999998,46.540954522,-8.1370753360000023,-0.17483688118501284,null,null,38.403879185999998,46.540954522,42.255757899000002,37.966331920000002,50.716625119999968,42.138140392000004,38.972685274000007,36.394343030999998,33.687852207000006,42.333275634999993,33.288875902999997,33.308493396000003,45.298666929000021,43.468222078000011,45.564353056000002,44.760127750999999,null,null,168.22179381699999,142.61849714100001,179.09136981400002,201.50904908700002,206.46283099999999,null,null,165.16692352700002,126.76304434100001,80.222089819000004,37.966331920000002,168.22179381699999,117.505168697]
["Net trading income",18.410678596,14.0936629,4.3170156960000003,0.30630899338453732,null,3.3583613360000002,4.7533400180000003,-1.3949786820000001,-0.29347336330190554,null,null,3.3583613360000002,4.7533400180000003,4.2792073969999995,6.0197698449999999,2.8183065410000001,3.6020016049999999,1.1952040689999999,6.4781506850000001,2.7990827800000009,2.2705354380000005,-0.86041650700000005,5.1372567479999995,4.3654818540000004,0.77967302000000061,5.4981333009999993,4.3748605420000004,null,null,14.0936629,9.3464584590000008,15.018148717000001,12.569451919,36.047457999999999,null,null,18.410678596,15.052317260000001,10.298977241999999,6.0197698449999999,14.0936629,11.275356359]
["Sundry net operating income",4.5850423180000002,1.8679016979999998,2.7171406200000003,1.4546486160964989,null,2.1123193250000001,1.026424308,1.0858950170000001,1.0579396927142923,null,null,2.1123193250000001,1.026424308,0.5523669699999999,0.89393171500000002,-0.85955188400000004,-0.6150180500000002,2.5730182890000002,0.7694533429999999,1.417413225,1.08255697,-5.1111974999999997E-2,0.42503308099999998,4.8875136499999998,2.0562671909999999,0.71133052000000008,-1.179402923,null,null,1.8679016979999998,2.873891301,6.4757084379999998,-1.3121256999999999E-2,-5.3092129999999997,null,null,4.5850423180000002,2.4727229929999996,1.4462986849999999,0.89393171500000002,1.8679016979999998,2.7274535819999999]
["Operating income",462.05344374000003,465.14093807300003,-3.0874943329999951,-6.6377609027297169E-3,null,113.760169034,122.02797447300001,-8.2678054390000142,-6.775336126577558E-2,null,null,113.760169034,122.02797447300001,114.05941525499998,112.205884978,122.05515102499997,115.94308469599997,111.80582093700002,115.33688141500001,111.29176814000004,116.39917898699998,110.89515761600001,118.97895734699999,127.01678154400005,117.63938967000004,116.72546628499998,107.30057248099999,null,null,465.14093807300003,457.56506209000003,468.68220998000004,452.50613940300002,480.91227600000002,null,null,462.05344374000003,348.29327470599998,226.26530023299998,112.205884978,465.14093807300003,343.08578704799999]
["Staff expenses",-113.650422147,-118.064040689,4.4136185419999947,-3.7383258409952158E-2,null,-23.958624885999999,-29.945485272999999,5.9868603870000001,-0.19992530868744962,null,null,-23.958624885999999,-29.945485272999999,-30.424048497000001,-29.322263491000001,-29.859223362999998,-30.492599717999994,-28.753542768000003,-28.95867484,-29.45421657699999,-30.672641745,-29.077277241000001,-28.918235195000001,-27.963829674999985,-30.345831813000018,-31.798466293999994,-32.151168036000001,null,null,-118.064040689,-118.122370758,-122.259295818,-124.55397649,-124.53104500000001,null,null,-113.650422147,-89.691797261000005,-59.746311988000002,-29.322263491000001,-118.064040689,-88.204817325999997]
["Other administrative expenses",-122.356984294,-130.57151504000001,8.2145307460000083,-6.2912119411982936E-2,null,-32.818962872999997,-28.252864561999999,-4.5660983109999975,0.16161541074816821,null,null,-32.818962872999997,-28.252864561999999,-31.882228567999999,-29.402928290999998,-35.365863053000012,-30.371058712999996,-34.969248312999994,-29.865344961000002,-34.075994300999994,-30.214954039000009,-25.609649197,-31.967165292000001,-36.134466895000017,-32.787316653000005,-34.751106579999998,-31.632404826999998,null,null,-130.57151504000001,-121.867762829,-135.30529495500002,-127.756354235,-130.273212,null,null,-122.356984294,-89.53802142100001,-61.285156858999997,-29.402928290999998,-130.57151504000001,-95.205651986999996]
["Depreciation on intangible and tangible fixed ass.",-29.854798204999998,-21.924843957,-7.9299542479999978,0.36168805869508502,null,-15.835949809000001,-4.948155839,-10.887793970000001,2.2003741038601512,null,null,-15.835949809000001,-4.948155839,-4.647784538999999,-4.4229080180000002,-5.6062738630000011,-5.0121418229999977,-5.4862027909999993,-5.8202254800000004,-6.3357173879999999,-5.4462680450000009,-5.9735521980000001,-5.690629983,-8.5039537939999974,-6.9503890590000026,-6.5354268249999983,-6.9237151600000004,null,null,-21.924843957,-23.446167614,-28.913484837999999,-23.717700776999997,-21.514894000000002,null,null,-29.854798204999998,-14.018848395999999,-9.0706925569999992,-4.4229080180000002,-21.924843957,-16.318570093999998]
["General administrative expenses",-265.86220464600001,-270.56039968599998,4.6981950399999732,-1.736468103038169E-2,null,-72.613537567999998,-63.146505674000004,-9.4670318939999945,0.14992170656084225,null,null,-72.613537567999998,-63.146505674000004,-66.954061603999989,-63.148099799999997,-70.831360279000009,-65.875800253999969,-69.208993871999994,-64.644245281000011,-69.865928265999969,-66.333863829000023,-60.660478636000001,-66.576030470000006,-72.602250363999971,-70.08353752500004,-73.084999698999994,-70.707288023000004,null,null,-270.56039968599998,-263.43630120099999,-286.47807561100001,-276.02803150199998,-276.31915100000003,null,null,-265.86220464600001,-193.24866707800004,-130.10216140399999,-63.148099799999997,-270.56039968599998,-199.72903940699999]
["Operating result",196.19123909400003,194.58053838700005,1.6107007069999781,8.2778098999627403E-3,null,41.146631466000002,58.881468799000011,-17.734837333000009,-0.30119556618976873,null,null,41.146631466000002,58.881468799000011,47.105353650999987,49.057785178000003,51.223790745999963,50.067284442000002,42.596827065000028,50.692636133999997,41.425839874000076,50.065315157999962,50.234678980000005,52.402926876999985,54.41453118000004,47.555852145000017,43.640466585999988,36.593284457999985,null,null,194.58053838700005,194.12876088900003,182.20413436900003,176.47810790100004,204.59312499999999,null,null,196.19123909400003,155.04460762799994,96.16313882899999,49.057785178000003,194.58053838700005,143.356747641]
["Net provisioning for impairment losses",-84.897167296000006,-105.952395456,21.055228159999999,-0.1987234745319546,null,-23.718160478999998,-15.187277307,-8.5308831719999976,0.56171247811930125,null,null,-23.718160478999998,-15.187277307,-20.481305198999998,-25.510424311000001,-30.553473511000004,-27.590858196000003,-26.684907255999999,-21.123156493,-25.07931772800001,-24.949252320999992,-21.735103392999999,-27.464682810999999,-16.664721148999995,-17.822544571000002,-17.504608752999999,-16.446731786000001,null,null,-105.952395456,-99.228356253000001,-68.438606258999997,-72.250122680999993,-166.08229800000001,null,null,-84.897167296000006,-61.179006817000001,-45.991729509999999,-25.510424311000001,-105.952395456,-75.398921944999998]
["Other results",7.6488396160000001,15.530754501999999,-7.8819148860000006,-0.50750366860702045,null,4.1299536130000005,-1.874681144,6.0046347570000007,"–",null,null,4.1299536130000005,-1.874681144,3.6670118619999998,1.7265552850000001,2.0262563789999994,6.8051388329999991,0.46669618600000007,6.2326631040000002,0.23127008699999863,1.512270397,-6.8123192909999997,11.197598487,4.2030729569999989,-5.8839275909999991,2.3837350179999999,-1.7398651540000001,null,null,15.530754501999999,6.1288196799999994,-1.0369847700000001,11.53263907,11.046678999999999,null,null,7.6488396160000001,3.518886003,5.3935671469999997,1.7265552850000001,15.530754501999999,13.504498122999999]
["Net income from derivatives",-1.4669043E-2,0.470969203,-0.485638246,"–",null,-3.1875540000000001E-2,3.0807267999999999E-2,-6.2682808000000007E-2,"–",null,null,-3.1875540000000001E-2,3.0807267999999999E-2,-6.7505035000000005E-2,5.3904264E-2,5.8751201000000031E-2,5.0456619999999952E-2,0.14151909000000001,0.22024229200000001,0.16350677899999999,-0.41743943100000003,-0.492622856,0,0,0,0,0,null,null,0.470969203,-0.74655550800000003,0,0,0,null,null,-1.4669043E-2,1.7206496999999998E-2,-1.3600770999999999E-2,5.3904264E-2,0.470969203,0.41221800199999997]
["Net income from financial investments",7.6635086589999997,15.007997332,-7.3444886730000007,-0.48937166702049628,null,4.1618291530000002,-1.905488412,6.0673175649999997,"–",null,null,4.1618291530000002,-1.905488412,3.7345168969999998,1.6726510210000001,1.9675051619999993,6.7546823290000004,0.32517713499999967,5.9606327060000002,6.7763307999999967E-2,1.929709828,-6.319696435,11.197598487,4.2030729569999989,-5.8839275909999991,2.3837350179999999,-1.7398651540000001,null,null,15.007997332,6.8753751879999996,-1.0369847700000001,11.53263907,11.046678999999999,null,null,7.6635086589999997,3.5016795059999999,5.4071679179999999,1.6726510210000001,15.007997332,13.04049217]
["Net income from disposal from group assets",0,5.1787966999999997E-2,-5.1787966999999997E-2,"–",null,0,0,0,"–",null,null,0,0,0,0,1.59999999985172E-8,-1.1600000000139277E-7,-3.9000000000288804E-8,5.1788106E-2,0,0,0,0,0,0,0,0,null,null,5.1787966999999997E-2,0,0,0,0,null,null,0,0,0,0,5.1787966999999997E-2,5.1787950999999999E-2]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",118.94291141400001,104.15889743300001,14.784013981000001,0.14193712054709273,null,21.558424600000002,41.819510347999994,-20.261085747999992,-0.48448883259028819,null,null,21.558424600000002,41.819510347999994,30.291060313999996,25.273916152000002,22.696573614000002,29.281565079000003,16.378615995000004,35.802142744999998,16.577792232999997,26.628333233999996,21.687256296000001,36.135842553000003,41.952882988000006,23.849379982999999,28.519592851000006,18.406687517999998,null,null,104.15889743300001,101.029224316,112.72854334,115.76062429000001,49.557505999999997,null,null,118.94291141400001,97.384486813999999,55.564976465999997,25.273916152000002,104.15889743300001,81.462323819000005]
["Income taxes",-22.061765947000001,-4.4799188350000003,-17.581847112000002,3.9245905471856615,null,-5.5139204529999999,-7.876439865,2.3625194120000002,-0.29994762259255825,null,null,-5.5139204529999999,-7.876439865,-5.1678069610000001,-3.503598668,-3.5295377680000009,-4.5835403960000001,9.3911820489999993,-5.7580227199999996,-2.8178986029999997,-3.6876002179999992,-3.3831310710000002,-5.0362103280000001,-7.7805487930000012,-3.5211429629999991,-4.4129721620000009,-2.7519491009999997,null,null,-4.4799188350000003,-14.92484022,-18.466613019,-14.981874147999999,-9.9157630000000001,null,null,-22.061765947000001,-16.547845494000001,-8.6714056290000006,-3.503598668,-4.4799188350000003,-0.95038106700000002]
["Profit/loss after tax",96.881145466999996,99.678978598,-2.7978331310000044,-2.8068436999976853E-2,null,16.044504147000001,33.943070483,-17.898566335999998,-0.52731135048505084,null,null,16.044504147000001,33.943070483,25.123253352999999,21.770317484,19.167035846000008,24.698024682999996,25.769798044000002,30.044120025000002,13.759893630000008,22.940733015999996,18.304125225,31.099632225000001,34.172334194999991,20.328237020000003,24.106620689000003,15.654738416999999,null,null,99.678978598,86.104384096000004,94.261930320999994,100.77875014200001,39.641742999999998,null,null,96.881145466999996,80.836641319999998,46.893570836999999,21.770317484,99.678978598,80.511942751999996]
[]
[]
["Total assets",6919.5080904260058,6527.5932147209996,391.91487570500612,6.0039721044681693E-2,null,6919.5080904260058,6509.767603706,409.74048672000572,6.2942413871539982E-2,null,null,6919.5080904260058,6509.767603706,6516.2162640650004,6263.8884408630001,6527.5932147209996,6314.8511285309996,6252.4923829919999,6369.5211209339996,5981.9346079500001,6090.3270577470003,6401.1699535420003,6263.1846157480031,6358.7098184490005,6291.633784134001,6172.0553029739995,6119.9965045859981,null,null,6527.5932147209996,5981.9346079500001,6358.7098184490005,6227.1580881969976,6164.0636039999999,null,null,6919.5080904260058,6509.767603706,6516.2162640650004,6263.8884408630001,6527.5932147209996,6314.8511285309996]
["Loans and advances to customers",4313.0813816989994,4265.9352429729997,47.146138725999663,1.1051770840558417E-2,null,4313.0813816989994,4445.2644513499999,-132.18306965100055,-2.97357043878137E-2,null,null,4313.0813816989994,4445.2644513499999,4380.4555547749997,4318.3119040170004,4265.9352429729997,4395.9575848579998,4244.4212030640001,4194.5320705419999,4225.5908885070003,4216.7826087639996,4222.8327357520002,4339.0144261559999,4427.8800865950006,4404.3454912650004,4397.4722990389992,4204.7489376969997,null,null,4265.9352429729997,4225.5908885070003,4427.8800865950006,4246.5909170790001,4154.0320970000002,null,null,4313.0813816989994,4445.2644513499999,4380.4555547749997,4318.3119040170004,4265.9352429729997,4395.9575848579998]
["  Hereof corporate %",0.33309099478064536,0.3282223006210831,0.4868694159562259,1.4833526394609331E-2,null,0.33309099478064536,0.3411501008763263,-0.80591060956809457,-2.362334372752406E-2,null,null,0.33309099478064536,0.3411501008763263,0.33419602890657957,0.34212094911159729,0.3282223006210831,0.34095002727505586,0.3439451458750204,0.34625936814881852,0.35271279212777573,0.35274212592869969,0.35359366567420497,0.36454779818640826,0.37085941805107636,0.37336448438984682,0.34103889689348788,0.33163953425043918,null,null,0.3282223006210831,0.35271279212777573,0.37085941805107636,0.34219777699335774,0.34399999999999997,null,null,0.33309099478064536,0.3411501008763263,0.33419602890657957,0.34212094911159729,0.3282223006210831,0.34095002727505586]
["  Hereof retail % ",0.6409863321222482,0.64253393453017915,-0.15476024079309481,-2.4085924879011511E-3,null,0.6409863321222482,0.63097742860904038,1.0008903513207823,1.5862538118474268E-2,null,null,0.6409863321222482,0.63097742860904038,0.64158731419742598,0.63240613461926787,0.64253393453017915,0.62746095390356327,0.6264051092009959,0.62593729169308998,0.61931052958035926,0.62039901033560418,0.62321076869485481,0.61536791538354108,0.60837082305753543,0.60233383170482779,0.60736009234396493,0.61215948918710728,null,null,0.64253393453017915,0.61931052958035926,0.60837082305753543,0.60165365583829478,0.60799999999999998,null,null,0.6409863321222482,0.63097742860904038,0.64158731419742598,0.63240613461926787,0.64253393453017915,0.62746095390356327]
["  Hereof FCY % ",0.49700275849364861,0.54255816560097958,-4.555540710733097,-8.3964098221377403E-2,null,0.49700275849364861,0.50183626639074785,-0.48335078970992429,-9.6316432685550346E-3,null,null,0.49700275849364861,0.50183626639074785,0.50817020562472948,0.53045635676968039,0.54255816560097958,0.52533059189528031,0.52908368245330772,0.54136527312487082,0.51837744301222155,0.56884530756094465,0.55286063789222017,0.52080000000000004,0.52080000000000004,0.52080000000000004,0.52080000000000004,0.52080000000000004,null,null,0.54255816560097958,0.51837744301222155,0.52080000000000004,0.52080000000000004,0.626,null,null,0.49700275849364861,0.50183626639074785,0.50817020562472948,0.53045635676968039,0.54255816560097958,0.52533059189528031]
["Deposits from customers",4680.6558311750005,4344.4130339969997,336.24279717800073,7.7396599850600989E-2,null,4680.6558311750005,4262.3583182150014,418.29751295999904,9.8137575898399554E-2,null,null,4680.6558311750005,4262.3583182150014,4272.7813769100003,4127.0127511660003,4344.4130339969997,4143.6982763329997,3982.9983263459999,3995.365219152,3781.0993886820002,3813.1326556200002,3692.4276501250001,3871.759236422,3903.6536733509988,3758.3876022949999,3498.9494078010011,3420.4803558860012,null,null,4344.4130339969997,3781.0993886820002,3903.6536733509988,3631.2010405150008,3278.249319,null,null,4680.6558311750005,4262.3583182150014,4272.7813769100003,4127.0127511660003,4344.4130339969997,4143.6982763329997]
["Loan/deposit ratio (net)*",0.85108826331778065,0.90201506017134947,-5.0926796853568828,-5.6458920812136548E-2,null,0.85108826331778065,0.96292769739659678,-11.183943407881614,-0.11614520423619445,null,null,0.85108826331778065,0.96292769739659678,0.94212794934646882,0.96104128426461177,0.90201506017134947,1.0608778177614415,1.0656346940918329,1.0498494731934098,1.1175561534181038,1.1058578312372842,1.1436467104803105,1.1206829147170327,1.1342912197418353,1.1718710142018234,1.2567979088907995,1.2292860944111024,null,null,0.90201506017134947,1.117556153418104,1.1342912197418353,1.169472818964802,1.2671495340284704,null,null,0.85108826331778065,0.96292769739659678,0.94212794934646882,0.96104128426461177,0.90201506017134947,1.0608778177614415]
[]
["Equity",726.28652350700008,674.45024029199999,51.836283215000094,7.6857090587673094E-2,null,726.28652350700008,715.49222260600004,10.794300901000042,1.5086538413631612E-2,null,null,726.28652350700008,715.49222260600004,682.61669160299994,700.87951872999997,674.45024029199999,653.80058957400001,625.50249406800015,665.22319456900004,595.14507534899997,560.01717066000003,559.166323723,598.05984713600003,568.29575992599985,524.07406075900008,516.85402118399998,547.16831956599992,null,null,674.45024029199999,595.14507534899997,568.29575992599996,501.07522382000002,461.47966800000006,null,null,726.28652350700008,715.49222260600004,682.61669160299994,700.87951872999997,674.45024029199999,653.80058957400001]
["Return on equity before tax",0.18564181394663368,0.19220843089943951,-0.65666169528058316,-3.4164042243502779E-2,null,0.13632716677084067,0.26326899312723534,-12.694182635639468,-0.48217537830231649,null,null,0.13632716677084067,0.26326899312723534,0.18430371573249804,0.16125247600798787,0.15815602266497011,0.20494942152376205,0.10874964391395932,0.25031654802825198,0.13305965552710772,0.21357443165013312,0.16113530186220804,0.2775829938216578,0.35780012603767369,0.20274112976352485,0.2262099251716117,0.14829254908852296,null,null,0.19220843089943951,0.20544353674390683,0.23121217661562907,0.28189439388393228,0.12507713099326909,null,null,0.18564181394663368,0.20192577556470104,0.18361085284057407,0.16125247600798787,0.19220843089943951,0.20070865297220664]
["Return on equity after tax",0.15120860392529997,0.18394146388026497,-3.2732859954964999,-0.17795259026682619,null,0.10145925934697073,0.21368394597029422,-11.22246866233235,-0.52519007038050802,null,null,0.10145925934697073,0.21368394597029422,0.15286057656115765,0.13889883849666845,0.13356122414047619,0.17286800954470408,0.17110458917134194,0.21005838859336912,0.11044213130219203,0.1839977730665365,0.1359987959379641,0.23889657497556577,0.29144279513448013,0.17280825507720748,0.19120738822216071,0.12612161003443831,null,null,0.18394146388026497,0.17509378417583818,0.19333618119924489,0.24541129474639037,0.10005094852861458,null,null,0.15120860392529997,0.16761398069245628,0.15495675660710434,0.13889883849666845,0.18394146388026497,0.19836708333822858]
["Cost/income ratio**",0.57539275650459631,0.58167402079654784,-0.62812642919515271,-1.0798598643532165E-2,null,0.63830370668926895,0.51747565217491864,12.08280545143503,0.23349514901139279,null,null,0.63830370668926895,0.51747565217491864,0.58701038800095862,0.56278777011010905,0.58032258109690071,0.56817360368429703,0.61901064982115428,0.56048199403276722,0.62777265051725806,0.56988257482819971,0.54700746128204136,0.55956138761438468,0.57159573311066558,0.59574890452591722,0.62612728845780519,0.65896468572448985,null,null,0.58167402079654784,0.57573517522888107,0.61124162494502365,0.60999842315105168,0.57457287906703391,null,null,0.57539275650459631,0.55484467003023341,0.57499829302162286,0.56278777011010905,0.58167402079654784,0.58215480485368098]
["Net interest margin (avg. interest bearing assets)",4.361403155957335E-2,4.6105725190644709E-2,-0.24916936310713581,-5.404304174304464E-2,null,4.3490826476868409E-2,4.4557608464354651E-2,-0.10667819874862414,-2.3941634756713848E-2,null,null,4.3490826476868409E-2,4.4557608464354651E-2,4.349133536486257E-2,4.35780929567176E-2,4.4732645671933559E-2,4.6475213106120308E-2,4.5410040252760901E-2,4.8266294770585416E-2,5.0696433800149536E-2,4.7049131325620816E-2,5.1978710849040162E-2,5.3137835276187012E-2,4.7920585096516498E-2,null,null,null,null,null,4.6105725190644709E-2,5.0836774091262471E-2,4.5073924710494734E-2,null,null,null,null,4.361403155957335E-2,4.3773762770781821E-2,4.3370642564170329E-2,4.35780929567176E-2,4.6105725190644709E-2,4.6528006995171685E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.9522043520939353E-2,2.4954853536447493E-2,-0.54328100155081394,-0.21770554604030512,null,2.1664511478412911E-2,1.3766380348762586E-2,0.78981311296503243,0.57372605794378329,null,null,2.1664511478412911E-2,1.3766380348762586E-2,1.8836052621040395E-2,2.3774175066658031E-2,2.8218749982988015E-2,2.5545970956336341E-2,2.5296888266425895E-2,2.0069214281769325E-2,2.3765181899243766E-2,2.3649658239186775E-2,2.030879830670217E-2,2.5062177053508758E-2,1.4172839843596505E-2,1.6198967073036346E-2,1.6279152345671961E-2,1.5568401762194584E-2,null,null,2.4954853536447493E-2,2.2933769937751564E-2,1.4172839843596505E-2,1.720113438251249E-2,null,null,null,1.9522043520939353E-2,1.8780693275440959E-2,2.1276729486702728E-2,2.3774175066658031E-2,2.4954853536447493E-2,2.3321076541469341E-2]
[]
["NPL ratio",0.10655225910203962,0.11555859311554954,-0.90063340135099201,-7.7937380256129396E-2,null,0.10655225910203962,0.10249255831374329,0.40597007882963304,3.960971269610658E-2,null,null,0.10655225910203962,0.10249255831374329,0.11035933796269982,0.11197658940526968,0.11555859311554954,0.10805345111521218,0.10915302554457958,0.10763216716606568,9.9357589051490225E-2,0.10321592037858811,0.10309631075701881,9.9347223508056109E-2,9.2558833795149745E-2,9.1816404685330935E-2,9.343356752691534E-2,8.7670587000956937E-2,null,null,0.11555859311554954,9.9357589051490225E-2,9.2558833795149745E-2,null,null,null,null,0.10655225910203962,0.10249255831374328,0.11035933796269982,0.11197658940526968,0.11555859311554954,0.10805345111521218]
["NPL coverage ratio",0.71691896925940479,0.70432773959068851,1.2591229668716286,1.7876946996342236E-2,null,0.71691896925940479,0.72448220926493068,-0.75632400055258842,-1.0439511017392156E-2,null,null,0.71691896925940479,0.72448220926493068,0.7342388248188042,0.7281199186998385,0.70432773959068851,0.70479673395017917,0.694443270524572,0.67442379480729531,0.69521236201525971,0.72358990874252749,0.6834867828093002,0.68892006064662004,0.70577733009511878,0.7104778830901668,0.71146882373024023,0.71867111957690277,null,null,0.70432773959068851,0.69521236201525971,0.70577733009511878,null,null,null,null,0.71691896925940479,0.72448220926493068,0.7342388248188042,0.7281199186998385,0.70432773959068851,0.70479673395017917]
[]
["Number of employees",5292,5308,-16,-3.0143180105500766E-3,null,5292,5368,-76,-1.4157973174366623E-2,null,null,5292,5368,5363,5329,5308,5383,5246,5393,5486,5660,5821,5880,6030,6065,6054,6154,null,null,5308,5486,6030,6219,6235,null,null,5292,5368,5363,5329,5308,5383]
["Business outlets",529,530,-1,-1.8867924528301883E-3,null,529,530,-1,-1.8867924528301883E-3,null,null,529,530,530,530,530,529,526,526,527,530,541,540,551,544,544,545,null,null,530,527,551,543,563,null,null,529,530,530,530,530,529]
["Number of customers ",2089544,2077912,11632,5.5979271499466687E-3,null,2089544,2049071,40473,1.975187780218457E-2,null,null,2089544,2049071,2066076,2053737,2077912,2009889,2004802,1981086,1974315,1955123,1961283,1932098,1913601,1956099,1939762,1905035,null,null,2077912,1974315,1913601,1903304,1913494,null,null,2089544,2049071,2066076,2053737,2077912,2009889]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["Russia",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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",834.58120926999993,722.48301780600002,112.09819146399991,0.15515685310419336,null,199.36416892299999,232.54999176800001,-33.185822845000018,-0.14270403792620789,null,null,199.36416892299999,232.54999176800001,209.07114531199997,193.59590326700001,180.95291775099997,176.23656813700006,183.66688094599999,181.62665097199999,197.82328673299989,188.84829704300009,177.74519278599999,184.263226952,158.56033449599997,152.53549463700003,143.088404193,135.91641369499999,null,null,722.48301780600002,748.68000351399996,590.10064702099999,507.16413807200001,650.38000399999999,null,null,834.58120926999993,635.21704034699997,402.66704857899998,193.59590326700001,722.48301780600002,541.53010005500005]
["Net fee and commission income",304.22501061100002,308.457627022,-4.2326164109999809,-1.3721873087930159E-2,null,90.03877098000001,73.904787814999992,16.133983165000018,0.21830768536115608,null,null,90.03877098000001,73.904787814999992,74.768332949999987,65.513118865999999,77.209861138000008,75.866990209999983,86.072513573000009,69.308262100999997,74.15005395899999,76.253559401000018,71.325128655,63.404907251999994,63.924507774000006,64.292676625000013,57.397971769999998,52.076905049999993,null,null,308.457627022,285.13364926700001,237.69206121900001,214.07584032100002,206.53267,null,null,304.22501061100002,214.18623963100001,140.28145181599999,65.513118865999999,308.457627022,231.24776588399999]
["Net trading income",-64.976453883000005,155.728227882,-220.704681765,"–",null,-54.961686085000004,-35.855069813,-19.106616272000004,0.53288464843742966,null,null,-54.961686085000004,-35.855069813,14.266752359999998,11.573549655000001,34.454617007999985,66.386133346999998,24.293137107,30.594340420000002,4.5925439039999887,8.7139065630000019,14.670470247000001,41.335922269000001,0.690828345000007,-22.259060385000005,28.080477490999996,31.642781896000002,null,null,155.728227882,69.312842982999996,38.155027347000001,74.380857505999998,-13.302053000000001,null,null,-64.976453883000005,-10.014767798000001,25.840302014999999,11.573549655000001,155.728227882,121.273610874]
["Sundry net operating income",7.6853391589999944,-0.33333485200000001,8.0186740109999946,"–",null,-0.74534057799999687,-1.4863065529999999,0.74096597500000305,-0.49852836449144222,null,null,-0.74534057799999687,-1.4863065529999999,-0.58491421699999968,10.501900507,-0.17929379199999995,-9.1200791999999975E-2,-1.2629086860000001,1.2000684180000001,-12.483906101999997,5.3176171539999997,2.4962270210000002,-0.18662271999999999,-9.7261595750000005,-2.0855200790000006,0.83300923399999993,-2.597656513,null,null,-0.33333485200000001,-4.8566846469999998,-13.576326933000001,-25.600607581000002,-18.786923000000002,null,null,7.6853391589999944,8.4306797370000002,9.9169862900000005,10.501900507,-0.33333485200000001,-0.15404106000000001]
["Operating income",1081.5151051569999,1186.3355378580002,-104.8204327010003,-8.8356480402045356E-2,null,233.69591324000001,269.11340321699998,-35.417489976999974,-0.13160804907379897,null,null,233.69591324000001,269.11340321699998,297.52131640499994,281.18447229500003,292.43810210499993,318.39849090200005,292.76962294000003,282.729321911,264.08197849399983,279.1333801610001,266.23701870899998,288.81743375299999,213.44951104000012,192.48359079799997,229.39986268800001,217.03844412799998,null,null,1186.3355378580002,1098.269811117,852.37140865399999,770.02022831800002,824.82369799999992,null,null,1081.5151051569999,847.81919191700001,578.70578869999997,281.18447229500003,1186.3355378580002,893.89743575300008]
["Staff expenses",-234.38630849200001,-279.72112968200003,45.334821190000014,-0.16207149328167936,null,-38.26241151,-59.949916789,21.687505279,-0.36176039001574334,null,null,-38.26241151,-59.949916789,-69.591363733000009,-66.582616459999997,-71.181537664000032,-65.206530603000019,-72.059440748,-71.273620667000003,-73.132289799999967,-64.865792488000011,-60.939592308999998,-65.050322792999992,-66.018339604999994,-55.352901508999985,-54.813079943000012,-58.977021082,null,null,-279.72112968200003,-263.98799738999998,-235.161342139,-192.78518157300002,-161.96316200000001,null,null,-234.38630849200001,-196.12389698199999,-136.17398019300001,-66.582616459999997,-279.72112968200003,-208.53959201800001]
["Other administrative expenses",-193.95863434400002,-210.03616867299999,16.077534328999974,-7.6546503540686262E-2,null,-59.320458840000001,-51.869802741999997,-7.4506560980000032,0.14364149667311277,null,null,-59.320458840000001,-51.869802741999997,-47.444534779999998,-35.323837982000001,-69.08994376299998,-49.644019577000002,-52.789640114000001,-38.512565219000003,-63.550181959999996,-44.910923101000002,-43.052917770000001,-44.838737681999994,-56.289209566000004,-43.065587283000006,-42.472986964000008,-42.014561141999998,null,null,-210.03616867299999,-196.35276051299999,-183.84234495500002,-166.70660619100002,-170.01740599999999,null,null,-193.95863434400002,-134.638175504,-82.768372761999998,-35.323837982000001,-210.03616867299999,-140.94622491000001]
["Depreciation on intangible and tangible fixed ass.",-48.380917513999997,-62.717577313,14.336659799000003,-0.22859077810756445,null,-11.103758934,-14.036751198999999,2.9329922649999993,-0.20895093340465776,null,null,-11.103758934,-14.036751198999999,-11.595597770000001,-11.644809610999999,-20.432254803000006,-12.163863065000001,-15.138598276,-14.982861169,-13.957938754000004,-12.538812692999997,-12.096746959000001,-12.034765725,-30.251960859000004,-14.814521063000001,-11.94242255,-11.682488817999999,null,null,-62.717577313,-50.628264131000002,-68.691393290000008,-55.472195906000003,-32.658169000000001,null,null,-48.380917513999997,-37.277158579999998,-23.240407381000001,-11.644809610999999,-62.717577313,-42.28532251]
["General administrative expenses",-476.72586035,-552.47487566799998,75.749015317999977,-0.13710852502824045,null,-108.68662928400001,-125.85647073,17.169841445999992,-0.13642398635851205,null,null,-108.68662928400001,-125.85647073,-128.63149628299999,-113.551264053,-160.70373622999995,-127.01441324500007,-139.98767913799998,-124.769047055,-150.64041051399991,-122.315528282,-116.089257038,-121.92382619999998,-152.55951002999998,-113.23300985500003,-109.22848945699999,-112.67407104200001,null,null,-552.47487566799998,-510.96902203399992,-487.69508038399999,-414.96398367000006,-364.63873699999999,null,null,-476.72586035,-368.03923106599996,-242.182760336,-113.551264053,-552.47487566799998,-391.77113943800003]
["Operating result",604.78924480699993,633.8606621900002,-29.071417383000323,-4.5864050440609483E-2,null,125.009283956,143.25693248699997,-18.247648530999982,-0.12737707149115363,null,null,125.009283956,143.25693248699997,168.88982012199995,167.63320824200002,131.73436587499998,191.38407765699998,152.78194380200006,157.96027485600001,113.44156797999992,156.8178518790001,150.14776167099998,166.89360755300001,60.890001010000077,79.250580942999903,120.17137323100002,104.36437308599997,null,null,633.8606621900002,587.30078908300015,364.67632827,355.05624464799996,460.18496099999993,null,null,604.78924480699993,479.77996085100006,336.52302836399997,167.63320824200002,633.8606621900002,502.12629631500005]
["Net provisioning for impairment losses",-152.01398853799998,-48.093248809999999,-103.92073972799997,2.1608176261611134,null,-35.154099211999998,-47.348154406000006,12.194055194000008,-0.25754024305654377,null,null,-35.154099211999998,-47.348154406000006,-42.783124940999997,-26.728609979000002,-28.624622533999997,-26.565276576999999,-7.4481638399999994,14.544814141,2.4889070650000003,-1.3673850680000001,14.25906414,0.56561649699999994,63.034776031999989,-16.690009598999996,-2.4923602059999999,-1.7906613489999998,null,null,-48.093248809999999,15.946202634,42.061744877999999,-76.928682941999995,-322.148978,null,null,-152.01398853799998,-116.859889326,-69.511734919999995,-26.728609979000002,-48.093248809999999,-19.468626275999998]
["Other results",-16.799991518000002,29.011784900999999,-45.811776418999997,"–",null,-20.409774857999999,4.3445788770000009,-24.754353734999999,"–",null,null,-20.409774857999999,4.3445788770000009,0.90219161399999792,-1.6369871509999996,5.1649007729999994,-2.9310923430000031,0.97060207700000234,25.807374394,-2.5365956720000007,-2.5452956399999991,10.263688311999999,-9.9017465250000001,23.216612811999994,18.047280470000004,-6.1586745140000012,-8.2046310299999998,null,null,29.011784900999999,-4.7199495249999996,26.900587737999999,-11.194180077999999,14.718696000000001,null,null,-16.799991518000002,3.6097833399999981,-0.73479553700000166,-1.6369871509999996,29.011784900999999,23.846884127999999]
["Net income from derivatives",26.479981956,4.2893690529999997,22.190612903000002,">500,0%",null,9.7214097989999999,5.8954155020000005,3.8259942969999994,0.64897788725867467,null,null,9.7214097989999999,5.8954155020000005,-0.70133814500000113,11.5644948,5.6496060979999996,-3.5902988830000004,2.6937803110000003,-0.46371847300000002,-4.2394268949999994,-17.130310835,12.400828649999999,0,0,0,0,0,null,null,4.2893690529999997,-8.9689090799999995,0,0,0,null,null,26.479981956,16.758572157,10.863156654999999,11.5644948,4.2893690529999997,-1.3602370450000001]
["Net income from financial investments",-43.723196919000003,24.722415848000001,-68.445612767,"–",null,-30.100529063,-1.5483817479999999,-28.552147314999999,">500,0%",null,null,-30.100529063,-1.5483817479999999,1.1271958429999991,-13.201481951,-0.48470532500000019,0.65920653999999956,-1.7231782339999988,26.271092867,1.7028312229999987,14.585015195,-2.137140338,-9.9017465250000001,23.216197944999998,18.117017776000001,-6.1586745140000012,-8.2046310299999998,null,null,24.722415848000001,4.2489595549999999,26.969910176999999,-11.194180077999999,14.718696000000001,null,null,-43.723196919000003,-13.622667856000001,-12.074286108000001,-13.201481951,24.722415848000001,25.207121173000001]
["Net income from disposal from group assets",0.44322344499999999,0,0.44322344499999999,"–",null,-3.0655594000000001E-2,-2.4548769999999998E-3,-2.8200717E-2,">500,0%",null,null,-3.0655594000000001E-2,-2.4548769999999998E-3,0.47633391600000002,0,0,0,0,0,0,0,0,0,4.1486699999999932E-4,-6.9737305999999999E-2,0,0,null,null,0,0,-6.9322439E-2,0,0,null,null,0.44322344499999999,0.473879039,0.47633391600000002,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",435.97526475099897,614.77919828100005,-178.80393353000107,-0.29084252367347396,null,69.445409886000007,100.253356958,-30.80794707199999,-0.30730090250151554,null,null,69.445409886000007,100.253356958,127.00888679500002,139.267611112,108.27464411400007,161.88770873699997,146.30438203900002,198.31246339099999,113.39387937299998,152.90517117099998,174.670514123,157.557477525,147.14138985399995,80.607851814000028,111.52033851099999,94.369080707000009,null,null,614.77919828100005,598.52704219199995,433.63866088599997,266.93338162800001,152.75468000000001,null,null,435.97526475099897,366.529854865,266.27649790700002,139.267611112,614.77919828100005,506.50455416699998]
["Income taxes",-95.749999427000006,-146.061220883,50.311221455999998,-0.34445297082858839,null,-18.614554671,-22.381262370000002,3.7667076990000012,-0.1682973746846792,null,null,-18.614554671,-22.381262370000002,-24.061116641999998,-30.693065743999998,-21.623434861000007,-36.756727592000004,-45.079447305999992,-42.601611124000001,-23.069158172000002,-25.634427688999992,-39.306930027,-37.653437074000003,-35.696598986000012,-26.648200341999996,-25.840064036999998,-23.943665054,null,null,-146.061220883,-125.663952962,-112.12852841900001,-53.215067589,-28.470192999999998,null,null,-95.749999427000006,-77.135444755999998,-54.754182385999997,-30.693065743999998,-146.061220883,-124.437786022]
["Profit/loss after tax",340.225265323999,468.71797739800002,-128.49271207400102,-0.27413651336205247,null,50.830855215000007,77.872094587999996,-27.041239372999989,-0.34725198437344995,null,null,50.830855215000007,77.872094587999996,102.94777015299999,108.574545368,86.65120925299999,125.13098114500002,101.224934733,155.71085226700001,90.324721201000003,127.27074348200001,135.36358409600001,119.904040451,111.44479086800006,53.95965147199999,85.680274474000001,70.425415653000002,null,null,468.71797739800002,472.86308923000001,321.51013246700001,213.71831403900001,124.284487,null,null,340.225265323999,289.39441010900003,211.522315521,108.574545368,468.71797739800002,382.06676814500003]
[]
[]
["Total assets",12457.056123515997,15554.626103840001,-3097.5699803240041,-0.19914139752670112,null,12457.056123515997,14682.836911333001,-2225.7807878170042,-0.15159064976735026,null,null,12457.056123515997,14682.836911333001,16041.423042828999,15103.168887100999,15554.626103840001,15796.099897529,16207.730473793001,16186.832400376001,15635.30659896,15442.539107590001,17040.531984706999,15195.326218733999,14476.135554517994,13974.532820072009,13196.323885977001,12464.461278886998,null,null,15554.626103840001,15635.30659896,14476.135554517994,12442.250413117001,11680.852542000001,null,null,12457.056123515997,14682.836911333001,16041.423042828999,15103.168887100999,15554.626103840001,15796.099897529]
["Loans and advances to customers",8388.7289838519991,9966.8247900019996,-1578.0958061500005,-0.15833485983751139,null,8388.7289838519991,10805.536536644002,-2416.8075527920028,-0.22366381758055842,null,null,8388.7289838519991,10805.536536644002,10303.311052081999,9597.8364824870005,9966.8247900019996,10172.866749671,9934.6776827939993,10101.329963996999,9668.5162179899999,9112.906641222,9491.9046501440007,9485.4541599370004,9072.5821045430021,9219.0001285369981,8337.0141027970003,7733.7962999870006,null,null,9966.8247900019996,9668.5162179899999,9072.5821045430021,7601.4233217760002,6368.2494479999996,null,null,8388.7289838519991,10805.536536644002,10303.311052081999,9597.8364824870005,9966.8247900019996,10172.866749671]
["  Hereof corporate %",0.60913934743110465,0.55554301394877503,5.3596333482329612,9.6475578193971456E-2,null,0.60913934743110465,0.58182412235427983,2.7315225076824823,4.6947563752250732E-2,null,null,0.60913934743110465,0.58182412235427983,0.54476701712682463,0.55074404271962973,0.55554301394877503,0.57021221254539156,0.59083444878636227,0.62740064922143912,0.64080247682270997,0.64517458589229537,0.685989798675819,0.69585936529764414,0.70193953606591819,0.7248541056513722,0.71081252832249053,0.71885319964477989,null,null,0.55554301394877503,0.64080247682270997,0.70193953606591819,0.72546640280379082,0.68600000000000005,null,null,0.60913934743110465,0.58182412235427983,0.54476701712682463,0.55074404271962973,0.55554301394877503,0.57021221254539156]
["  Hereof retail % ",0.39085362959174202,0.44434892756720418,-5.3495297975462153,-0.12039029388086331,null,0.39085362959174202,0.41811891336246471,-2.7265283770722681,-6.520940072157555E-2,null,null,0.39085362959174202,0.41811891336246471,0.45516708172741754,0.44918698339917457,0.44434892756720418,0.4296545899990632,0.40902000044691939,0.3724224433812181,0.35900049190589334,0.3546746389489106,0.31376904846814208,0.3035120933589473,0.29741654580801807,0.2721477383664172,0.28472712172487658,0.27537382677277755,null,null,0.44434892756720418,0.35900049190589334,0.29741654580801807,0.26948993629219159,0.313,null,null,0.39085362959174202,0.41811891336246471,0.45516708172741754,0.44918698339917457,0.44434892756720418,0.4296545899990632]
["  Hereof FCY % ",0.4782270560050767,0.33464589478344092,14.358116122163578,0.42905400442623476,null,0.4782270560050767,0.39743361257226245,8.0793443432814254,0.20328789734190922,null,null,0.4782270560050767,0.39743361257226245,0.32200852553408821,0.34469236958106103,0.33464589478344092,0.34331138762954394,0.36520530568230941,0.42207353043568657,0.4416974542643744,0.47418383290060212,0.5273368396008975,0.46400983292815073,0.4851258384089,0.47742097175764631,0.43500214288749961,0.42360877800796309,null,null,0.33464589478344092,0.4416974542643744,0.48512583840889933,0.44654716048716675,0.47499999999999998,null,null,0.4782270560050767,0.39743361257226245,0.32200852553408821,0.34469236958106103,0.33464589478344092,0.34331138762954394]
["Deposits from customers",7316.7048099999975,9924.3033133890003,-2607.5985033890029,-0.26274877148011588,null,7316.7048099999975,9254.5863642540007,-1937.8815542540033,-0.20939688474236995,null,null,7316.7048099999975,9254.5863642540007,9936.4871735460001,9805.4757751739999,9924.3033133890003,10329.019808438001,10437.354089019,10447.496871863999,9608.885433169,10087.509997583,10624.713144937001,10063.535008271001,9319.5841325519996,9269.5607363099989,8282.5927365590014,7362.1671086749993,null,null,9924.3033133890003,9608.885433169,9319.5841325519996,6764.0627249379995,5799.4198839999999,null,null,7316.7048099999975,9254.5863642540007,9936.4871735460001,9805.4757751739999,9924.3033133890003,10329.019808438001]
["Loan/deposit ratio (net)*",1.0986623327903537,0.96660065163135289,13.206168115900086,0.13662486253875117,null,1.0986623327903537,1.1193512883550725,-2.0688955564718725,-1.8482987226576486E-2,null,null,1.0986623327903537,1.1193512883550725,0.99405782732632175,0.94046388453010665,0.96660065163135289,0.98488210288458988,0.95183871295945999,0.9668660434061237,1.0062057962118229,0.9033851409719027,0.89337985135788711,0.9425568800765447,0.97349645386576278,0.99454552279106945,1.0065705713137125,1.0504782336269034,null,null,0.96660065163135289,1.0062057962118229,0.97349645386576278,1.1237955103152413,1.0980838731076088,null,null,1.0986623327903537,1.1193512883550725,0.99405782732632175,0.94046388453010665,0.96660065163135289,0.98488210288458988]
[]
["Equity",1196.597273359999,2360.1698473870001,-1163.5725740270011,-0.49300374518182233,null,1196.597273359999,1970.938363883,-774.34109052300096,-0.39287940440585378,null,null,1196.597273359999,1970.938363883,2263.091411157,2299.7439120970007,2360.1698473870001,2350.9894175519998,2292.3360890949998,2633.3830552980003,2460.0220391050002,2376.5347937620004,2016.3143162089998,2330.3497735080009,773.3326406430001,1881.9435363719999,1961.9816160780001,1985.74302857,null,null,2360.1698473870001,2460.0220391050002,773.33264064299999,1902.3332509759991,1618.2709219999999,null,null,1196.597273359999,1970.938363883,2263.091411157,2299.7439120970007,2360.1698473870001,2350.9894175519998]
["Return on equity before tax",0.2363419390278885,0.31700999498710036,-8.0668055959211866,-0.25446533937358784,null,0.21896255462140665,0.21479957024100266,0.41629843804039945,1.9380785425842317E-2,null,null,0.21896255462140665,0.21479957024100266,0.23948473453478414,0.27289842096438327,0.22438163669351111,0.32342587887678098,0.25934328663734219,0.35533252049081482,0.22786124865710877,0.31148627404852475,0.35184861597284028,0.31737686627695949,0.55428296331842764,0.18542507380531906,0.23975176210786364,0.1978299672480788,null,null,0.31700999498710036,0.31936723831756803,0.36863469119608194,0.16776439952740066,9.9581376662556759E-2,null,null,0.2363419390278885,0.24095680670459738,0.27012435412175712,0.27289842096438327,0.31700999498710036,0.34141833964120916]
["Return on equity after tax",0.18443591968199549,0.24169373993260559,-5.7257820250610099,-0.23690237184701601,null,0.16027054818652653,0.16684620803547404,-0.65756598489475071,-3.9411503122380953E-2,null,null,0.16027054818652653,0.16684620803547404,0.19411570346123017,0.21275457912482237,0.17957057548200292,0.24999178669755212,0.17943418301926689,0.27899975955982714,0.18150453861591503,0.25926585333245072,0.27267046161988345,0.241529435543584,0.41981354797593196,0.12412528223419464,0.1841995555008176,0.14763583122445181,null,null,0.24169373993260559,0.25231437890696756,0.27331462595200162,0.13431937363580881,8.1021545875122378E-2,null,null,0.18443591968199549,0.19024794846168475,0.21457894073101591,0.21275457912482237,0.24169373993260559,0.25753885239329899]
["Cost/income ratio**",0.44079445407357054,0.46569866453257097,-2.4904210459000433,-5.3477092282403604E-2,null,0.46507714994733979,0.46767076342353503,-0.25936134761952445,-5.5458105980561445E-3,null,null,0.46507714994733979,0.46767076342353503,0.43234379921840888,0.40383191549023223,0.54953077274554074,0.39891650517933475,0.47814960354233516,0.44130211260604901,0.57043048288667142,0.43819742451243265,0.43603724831702251,0.42214842994647839,0.71473347156747791,0.58827357379170708,0.47614888769815195,0.51914337800703025,null,null,0.46569866453257097,0.46524908256771319,0.57216264580499121,0.53890010730812876,0.44208082028215445,null,null,0.44079445407357054,0.43410108496580296,0.41849030209294674,0.40383191549023223,0.46569866453257097,0.43827303197036294]
["Net interest margin (avg. interest bearing assets)",5.9242360688049896E-2,4.8043920837429317E-2,1.1198439850620578,0.23308755104550638,null,6.0858049666627008E-2,6.372554425417036E-2,-0.28674945875433522,-4.4997569202489762E-2,null,null,6.0858049666627008E-2,6.372554425417036E-2,5.7420637966179834E-2,5.4629534175106957E-2,4.7912652179844833E-2,4.6381633175050271E-2,4.7525226548206026E-2,5.1213874567298645E-2,5.4499141070749317E-2,4.9733873811015759E-2,4.8343605602918213E-2,5.7070306921884334E-2,5.1606403287538329E-2,null,null,null,null,null,4.8043920837429317E-2,5.2866650643558014E-2,5.1801267346272217E-2,null,null,null,null,5.9242360688049896E-2,5.8715313761407283E-2,5.5830145260697475E-2,4.8043920837429317E-2,4.8043920837429317E-2,4.8056748816355882E-2]
["Provisioning ratio (avg. loans and advances to customers)",1.5217980543149217E-2,4.898641565779278E-3,1.0319338977369938,2.1065715543383168,null,1.4651917438346068E-2,1.7944382499132969E-2,-0.3292465060786901,-0.18348165844915454,null,null,1.4651917438346068E-2,1.7944382499132969E-2,1.7198254469169356E-2,1.0929342289849769E-2,1.1370431360425797E-2,1.0569277284443962E-2,2.9739113585107503E-3,-5.8856559660043451E-3,-1.0601569790136447E-3,5.879705186301211E-4,-6.0109794129730694E-3,-2.4382601216599081E-4,-4.3199410076951543E-3,7.605375288070408E-3,1.2406892464206982E-3,9.3414317794772504E-4,null,null,4.898641565779278E-3,-1.7017361906508316E-3,-4.3199410076951543E-3,1.1013669999262772E-2,null,null,null,1.5217980543149217E-2,1.5435580949287186E-2,1.3717073326303552E-2,1.0929342289849769E-2,4.898641565779278E-3,2.6165684529459061E-3]
[]
["NPL ratio",5.9094298881198742E-2,4.8211347256953585E-2,1.0882951624245156,0.22573423568194295,null,5.9094298881198742E-2,5.5506097172133437E-2,0.35882017090653057,6.4645181194017409E-2,null,null,5.9094298881198742E-2,5.5506097172133437E-2,5.4727091140867608E-2,5.3058351320030374E-2,4.8211347256953585E-2,4.3552065401262489E-2,4.4564848013819582E-2,4.7646962104538088E-2,5.0493144138459248E-2,5.7970427416686489E-2,5.7230568681677432E-2,5.971879010206109E-2,5.7768818618632985E-2,5.9023270790034249E-2,7.1809966568144298E-2,8.3869280919094916E-2,null,null,4.8211347256953585E-2,5.0493144138459248E-2,5.7768818618632985E-2,null,null,null,null,5.9094298881198742E-2,5.5506097172133437E-2,5.4727091140867608E-2,5.3058351320030374E-2,4.8211347256953585E-2,4.3552065401262489E-2]
["NPL coverage ratio",0.70466408260975777,0.77830552408341547,-7.3641441473657698,-9.4617652316399514E-2,null,0.70466408260975777,0.74374453390887885,-3.9080451299121077,-5.2545530780208849E-2,null,null,0.70466408260975777,0.74374453390887885,0.75466311690613541,0.73798389372133333,0.77830552408341547,1.0194522719069148,1.0045650021760868,0.99707874588243928,0.99967306893992125,0.97101587622737895,0.96299671638805096,0.97589961275560566,1.0015914691783165,1.0725837010617176,1.0351350762459182,0.98740617824202492,null,null,0.77830552408341547,0.99967306893992125,1.0015914691783165,null,null,null,null,0.70466408260975777,0.74374453390887885,0.75466311690613541,0.73798389372133333,0.77830552408341547,1.0194522719069148]
[]
["Number of employees",8252,8542,-290,-3.3949894638258038E-2,null,8252,8390,-138,-1.6448152562574481E-2,null,null,8252,8390,8486,8530,8542,8572,8358,8200,8155,8018,8015,8257,8475,8697,8628,8638,null,null,8542,8155,8475,8618,8608,null,null,8252,8390,8486,8530,8542,8572]
["Business outlets",212,195,17,8.7179487179487092E-2,null,212,206,6,2.9126213592232997E-2,null,null,212,206,201,196,195,192,190,189,186,193,193,192,191,192,190,196,null,null,195,186,191,198,215,null,null,212,206,201,196,195,192]
["Number of customers ",2940532,2617291,323241,0.12350212490701273,null,2940532,2840875,99657,3.5079684956219381E-2,null,null,2940532,2840875,2757194,2683852,2617291,2523700,2431687,2335420,2288175,2216261,2283450,2379581,2135551,2032056,1950246,1839731,null,null,2617291,2288175,2135551,1860036,1795647,null,null,2940532,2840875,2757194,2683852,2617291,2523700]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",112.276581697,87.958461404999994,24.318120292000003,0.27647277935011316,null,26.744115849,32.620900116999998,-5.876784267999998,-0.18015395795094513,null,null,26.744115849,32.620900116999998,27.553799902000002,25.357765829000002,23.349770240999991,22.960461019000004,21.416429320999999,20.231800824,15.146968118999995,16.754231470999997,17.587581337,15.225222140000001,6.4438462049999927,19.240457523000003,20.584556638999999,21.360641704999999,null,null,87.958461404999994,64.714003066999993,67.629502071999994,85.161425468999994,74.515231,null,null,112.276581697,85.532465848000001,52.911565731000003,25.357765829000002,87.958461404999994,64.608691164000007]
["Net fee and commission income",66.454384587999996,62.179982809999998,4.2744017779999979,6.874240848636215E-2,null,15.225067163,20.161769287999999,-4.9367021249999983,-0.24485460846624474,null,null,15.225067163,20.161769287999999,16.313909070000001,14.753639067,15.295619390000002,15.624313049000001,16.111374049999998,15.148676321,16.004381846000001,15.827935386999997,15.556576153,12.383969415999999,8.3738654370000045,11.824759256999995,10.765635730000001,13.772349309000001,null,null,62.179982809999998,59.772862801999999,44.736609733000002,56.415192494000003,50.153002999999998,null,null,66.454384587999996,51.229317424999998,31.067548136999999,14.753639067,62.179982809999998,46.88436342]
["Net trading income",-0.472454808,-0.68282048299999998,0.21036567499999997,-0.30808342783706444,null,5.8815076579999994,-5.1488292429999998,11.030336900999998,"–",null,null,5.8815076579999994,-5.1488292429999998,-1.1986990049999999,-6.4342180000000002E-3,0.12231344000000011,4.282570497,1.2720065180000004,-6.3597109380000001,-15.997345419999998,-1.9744177780000003,-2.8678306290000002,-5.2376347000000001,-52.297439345999997,5.8818435879999935,36.115231810000004,4.6758216679999993,null,null,-0.68282048299999998,-26.077228526999999,-5.62454228,7.8187910769999993,24.253606999999999,null,null,-0.472454808,-6.3539624659999996,-1.205133223,-6.4342180000000002E-3,-0.68282048299999998,-0.80513392299999997]
["Sundry net operating income",-1.2769959850000001,-0.86925009499999994,-0.40774589000000017,0.46907776294232129,null,-0.79773813500000001,-0.24402299900000002,-0.553715136,2.2691104456100875,null,null,-0.79773813500000001,-0.24402299900000002,-0.20852105199999998,-2.6713799E-2,0.33155018600000008,-0.29096543100000005,-0.37504508199999997,-0.534789768,-2.421382758,-0.24733597800000007,-0.48162662099999998,-0.26468073599999997,-1.313972881,0.12411035299999999,-4.6650422999999969E-2,-0.15821215400000002,null,null,-0.86925009499999994,-3.4150260929999998,-1.394725105,-0.54470960800000001,-0.34677000000000002,null,null,-1.2769959850000001,-0.47925784999999999,-0.23523485099999999,-2.6713799E-2,-0.86925009499999994,-1.200800281]
["Operating income",176.98151549199997,148.58637363699998,28.395141854999991,0.19110192381685009,null,47.052952534999996,47.389817162999989,-0.33686462799999362,-7.1083757686029037E-3,null,null,47.052952534999996,47.389817162999989,42.460488914999992,40.078256879000001,39.099253256999994,42.576379134000007,38.424764806999995,28.485976439000002,12.732621786999996,30.360413101999995,29.794700239999997,22.106876119999999,-38.793700584999982,37.071170720999987,67.418773755999993,39.650600527999998,null,null,148.58637363699998,94.994611248999988,105.34684442,148.85069943199997,148.57507100000001,null,null,176.98151549199997,129.92856295699997,82.538745793999993,40.078256879000001,148.58637363699998,109.48712038000001]
["Staff expenses",-37.051318045999999,-35.766134907000001,-1.2851831389999973,3.5932961231113225E-2,null,-7.5876436639999998,-11.126483242000001,3.538839578000001,-0.31805553480201798,null,null,-7.5876436639999998,-11.126483242000001,-9.6739677090000011,-8.6632234310000005,-9.8617721680000017,-8.5295994220000004,-8.873500817,-8.5012624999999993,-9.3378208800000024,-7.5211179249999986,-7.165855606,-6.1932051339999994,-4.2489880230000008,-6.4284295740000008,-5.7577735880000009,-8.0987492759999995,null,null,-35.766134907000001,-30.217999545000001,-24.533940461,-31.312342864000001,-26.237566999999999,null,null,-37.051318045999999,-29.463674382000001,-18.337191140000002,-8.6632234310000005,-35.766134907000001,-25.904362739]
["Other administrative expenses",-31.790733362000001,-28.778050533999998,-3.0126828280000026,0.10468682805461937,null,-7.2511172889999997,-8.8357268540000007,1.5846095650000009,-0.17934116696722424,null,null,-7.2511172889999997,-8.8357268540000007,-8.1512168870000004,-7.5526723320000002,-7.1618553859999983,-7.3079343609999983,-7.3664271240000003,-6.9418336629999997,-7.5845338140000003,-7.3961835879999995,-7.5693964999999999,-6.0390966739999996,-4.0268801549999971,-6.227333938000001,-6.0085307940000003,-7.0505066050000007,null,null,-28.778050533999998,-28.589210575999999,-23.313251491999999,-28.517004495000002,-23.565752,null,null,-31.790733362000001,-24.539616072999998,-15.703889219000001,-7.5526723320000002,-28.778050533999998,-21.616195147999999]
["Depreciation on intangible and tangible fixed ass.",-11.138215622999999,-9.4271894159999992,-1.7110262069999997,0.18149908010716476,null,-2.4823303440000002,-3.3764754400000001,0.89414509599999992,-0.26481611132346927,null,null,-2.4823303440000002,-3.3764754400000001,-2.7303535190000003,-2.54905632,-2.3418510449999999,-2.227011120999999,-2.4551697840000002,-2.4031574660000001,-2.1885317679999998,-2.2400808329999995,-2.2352444920000001,-1.875841343,-2.9039387940000001,-0.92273499499999945,-1.0064658460000002,-1.4982705300000001,null,null,-9.4271894159999992,-8.5396984360000001,-6.3314101650000003,-5.4514509840000001,-5.6296470000000003,null,null,-11.138215622999999,-8.6558852789999996,-5.2794098390000004,-2.54905632,-9.4271894159999992,-7.0853383709999997]
["General administrative expenses",-79.980267030999997,-73.971374857000001,-6.0088921739999961,8.1232668523685936E-2,null,-17.321091296999999,-23.338685536,6.017594239000001,-0.25783775310386881,null,null,-17.321091296999999,-23.338685536,-20.555538115000012,-18.764952082999997,-19.365478599000003,-18.064544903999998,-18.695097725,-17.846253629,-19.110886462000003,-17.157382345999995,-16.970496598,-14.108143151,-11.179806971999994,-13.578498507000006,-12.772770227999999,-16.647526411000001,null,null,-73.971374857000001,-67.346908556999992,-54.178602118000001,-65.280798343000001,-55.432966,null,null,-79.980267030999997,-62.659175734000002,-39.320490198000009,-18.764952082999997,-73.971374857000001,-54.605896257999994]
["Operating result",97.001248460999975,74.614998779999979,22.386249680999995,0.30002345435942668,null,29.731861237999997,24.05113162699999,5.6807296110000074,0.23619385977759055,null,null,29.731861237999997,24.05113162699999,21.90495079999998,21.313304796000004,19.733774657999991,24.511834230000009,19.729667081999995,10.639722810000002,-6.3782646750000076,13.203030756,12.824203641999997,7.9987329689999989,-49.973507556999976,23.492672213999981,54.646003527999994,23.003074116999997,null,null,74.614998779999979,27.647702691999996,51.168242301999996,83.56990108899997,93.142105000000015,null,null,97.001248460999975,67.269387222999967,43.218255595999985,21.313304796000004,74.614998779999979,54.881224122000013]
["Net provisioning for impairment losses",-8.669276537,12.682890764,-21.352167301000001,"–",null,-5.0488410870000004,-1.423220911,-3.6256201760000004,2.5474753413034978,null,null,-5.0488410870000004,-1.423220911,-2.3071106910000001,0.109896152,13.110394611,-0.48612457800000003,-0.12710345299999998,0.18572418399999999,20.244956714999997,-0.95302038300000003,1.6059262000000001E-2,-0.97028008700000001,2.262125143999997,-11.712786810999997,3.1570552440000004,-12.127783036,null,null,12.682890764,18.337715506999999,-18.421389459,-12.533151961,-15.760873,null,null,-8.669276537,-3.62043545,-2.197214539,0.109896152,12.682890764,-0.42750384699999999]
["Other results",2.1024001480000001,0,2.1024001480000001,"–",null,-8.9898508999999988E-2,2.1922965410000002,-2.2821950500000003,"–",null,null,-8.9898508999999988E-2,2.1922965410000002,2.1160000000000002E-6,0,0,0,0,0,9.2424000000000672E-5,1.6189699999999939E-4,1.076444E-3,1.3455361000000001E-2,0.39535987900000003,0,0,0,null,null,0,1.4786126E-2,0.39535987900000003,9.4897589000000004E-2,0,null,null,2.1024001480000001,2.1922986570000003,2.1160000000000002E-6,0,0,0]
["Net income from derivatives",6.9862430000000005E-3,0,6.9862430000000005E-3,"–",null,6.9862430000000005E-3,0,6.9862430000000005E-3,"–",null,null,6.9862430000000005E-3,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,null,0,0,0,0,0,null,null,6.9862430000000005E-3,0,0,0,0,0]
["Net income from financial investments",2.095413905,0,2.095413905,"–",null,-9.6884751999999991E-2,2.1922965410000002,-2.289181293,"–",null,null,-9.6884751999999991E-2,2.1922965410000002,2.1160000000000002E-6,0,0,0,0,0,9.2424000000000672E-5,1.6189699999999939E-4,1.076444E-3,1.3455361000000001E-2,0.39535987900000003,0,0,0,null,null,0,1.4786126E-2,0.39535987900000003,9.4897589000000004E-2,0,null,null,2.095413905,2.1922986570000003,2.1160000000000002E-6,0,0,0]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",90.434372072000002,87.297889544,3.1364825280000019,3.5928503476812645E-2,null,24.593121642,24.820207257,-0.22708561500000002,-9.1492231571094207E-3,null,null,24.593121642,24.820207257,19.597842225000001,21.423200948000002,32.844169268999991,24.025709652000007,19.602563628999999,10.825446994,13.866784464,12.250172270000002,12.841339348,7.041908243,-47.316022533999998,11.779885402999994,57.803058772,10.875291081,null,null,87.297889544,46.000204324999999,33.142212721999996,71.131646716999995,77.381231999999997,null,null,90.434372072000002,65.841250430000002,41.021043173000002,21.423200948000002,87.297889544,54.453720275000002]
["Income taxes",-27.710625595,-20.300600845999998,-7.4100247490000015,0.3650150458704311,null,-11.025755351999999,-5.7700738200000004,-5.2556815319999988,0.91085169721450776,null,null,-11.025755351999999,-5.7700738200000004,-6.1550485760000004,-4.7597478469999999,-8.6482446490000005,-5.4118656359999999,-4.4529053239999996,-1.787585237,-7.749191629000002,-4.2741334579999997,-5.0358447740000001,-3.146679448,-8.0311986990000008,-4.9376783979999992,-12.132699084,-2.4516647050000002,null,null,-20.300600845999998,-20.205849309000001,-27.553240886000001,-20.490041401999999,-21.709115000000001,null,null,-27.710625595,-16.684870243000002,-10.914796423,-4.7597478469999999,-20.300600845999998,-11.652356197]
["Profit/loss after tax",62.723746476999999,66.997288698000006,-4.2735422210000067,-6.3786793526281582E-2,null,13.567366289999999,19.050133437,-5.4827671470000006,-0.28780728308974102,null,null,13.567366289999999,19.050133437,13.442793648999999,16.663453101000002,24.195924620000007,18.613844015999994,15.149658305000001,9.0378617569999999,6.1175928349999982,7.9760388120000005,7.8054945739999999,3.895228795,-55.347221232999999,6.8422070049999935,45.670359688000005,8.4236263759999996,null,null,66.997288698000006,25.794355016000001,5.5889718359999998,50.641605315,55.672117,null,null,62.723746476999999,49.156380186999996,30.10624675,16.663453101000002,66.997288698000006,42.801364077999999]
[]
[]
["Total assets",1536.3153697370001,1446.3325047979999,89.982864939000137,6.2214507826170662E-2,null,1536.3153697370001,1643.285648779,-106.9702790419999,-6.509536496073054E-2,null,null,1536.3153697370001,1643.285648779,1489.5464501389999,1435.4088745690001,1446.3325047979999,1450.2189038659999,1442.0755986649999,1471.7794227029999,1354.6681545460001,1330.920981966,1314.242109196,1214.2176131870001,1222.6145167880002,1346.964928503,1282.3568308189999,1565.6187821870001,null,null,1446.3325047979999,1354.6681545460001,1222.6145167880002,1512.2080623689999,1224.443927,null,null,1536.3153697370001,1643.285648779,1489.5464501389999,1435.4088745690001,1446.3325047979999,1450.2189038659999]
["Loans and advances to customers",1047.0224669490001,910.42770273400004,136.59476421500005,0.15003362024772326,null,1047.0224669490001,1047.4368161519999,-0.41434920299980149,-3.9558395944305769E-4,null,null,1047.0224669490001,1047.4368161519999,970.880084786,948.93921518699995,910.42770273400004,1012.713282328,971.02729251300002,1009.64556892,868.95315495900002,788.67555809199996,794.56565588499996,767.18146203900005,771.91273973900002,874.47414494700001,910.74306254800001,1156.3706277869999,null,null,910.42770273400004,868.95315495900002,771.91273973900002,1096.2929575610001,918.52390100000002,null,null,1047.0224669490001,1047.4368161519999,970.880084786,948.93921518699995,910.42770273400004,1012.713282328]
["  Hereof corporate %",0.69603744619120755,0.7225348956754406,-2.6497449484233049,-3.667289931991824E-2,null,0.69603744619120755,0.70933336363859623,-1.3295917447388672,-1.8744243720873244E-2,null,null,0.69603744619120755,0.70933336363859623,0.71712879037574162,0.73430115107504279,0.7225348956754406,0.73943456833278531,0.74014728735658231,0.76838812811619117,0.7379236851705443,0.72449776587597436,0.74121218375817743,0.73848022826425574,0.72242597287518151,0.6587628677353472,0.63902769496993117,0.55235906123553768,null,null,0.7225348956754406,0.7379236851705443,0.72242597287518151,0.53412180867705983,0.48799999999999999,null,null,0.69603744619120755,0.70933336363859623,0.71712879037574162,0.73430115107504279,0.7225348956754406,0.73943456833278531]
["  Hereof retail % ",0.30396255385750198,0.27746510432455945,2.649744953294253,9.5498313553504133E-2,null,0.30396255385750198,0.29066663526157621,1.3295918595925771,4.5742844148453976E-2,null,null,0.30396255385750198,0.29066663526157621,0.28287120962425838,0.26569990273347394,0.27746510432455945,0.26056543166721469,0.2598537424808991,0.2316108814376524,0.2620763148294557,0.27550223412402558,0.25878655769313058,0.26151977173574426,0.27757273164203738,0.3412371322646528,0.36097230503006883,0.44764093876446226,null,null,0.27746510432455945,0.2620763148294557,0.27757273164203738,0.46587819132294012,0.503,null,null,0.30396255385750198,0.29066663526157621,0.28287120962425838,0.26569990273347394,0.27746510432455945,0.26056543166721469]
["  Hereof FCY % ",0.68538352579778461,0.7239454577455553,-3.8561931947770689,-5.3266349743883668E-2,null,0.68538352579778461,0.73317406274705321,-4.7790536949268603,-6.5183070947991806E-2,null,null,0.68538352579778461,0.73317406274705321,0.72797970735571083,0.73421457228185261,0.7239454577455553,0.70605373947136041,0.72310325921204699,0.72976995361664543,0.70914869976975348,0.73411809718142829,0.74361507526008119,0.66524287310536645,0.66116540604390595,0.58362160042013811,0.59008849158450294,0.49265087361327781,null,null,0.7239454577455553,0.70914869976975348,0.66116540604390617,0.5109473668846698,0.626,null,null,0.68538352579778461,0.73317406274705321,0.72797970735571083,0.73421457228185261,0.7239454577455553,0.70605373947136041]
["Deposits from customers",866.561354553,842.23793829600004,24.323416256999963,2.8879506789032394E-2,null,866.561354553,989.14157287899991,-122.58021832599991,-0.12392585822595381,null,null,866.561354553,989.14157287899991,852.07430799799999,772.56565983999997,842.23793829600004,856.86664896000002,905.05517114500003,926.04549857100005,872.25389149800003,850.13450367799999,799.07729917300003,718.13885389199993,667.71975759700001,753.82302254700005,746.02358419400002,909.55879441299999,null,null,842.23793829600004,872.25389149800003,667.71975759700001,854.30554040699997,623.23686399999997,null,null,866.561354553,989.14157287899991,852.07430799799999,772.56565983999997,842.23793829600004,856.86664896000002]
["Loan/deposit ratio (net)*",1.1758750837955567,1.057060103221223,11.881498057433371,0.11240134805226676,null,1.1758750837955567,1.0354237410535836,14.045134274197313,0.1356462452744791,null,null,1.1758750837955567,1.0354237410535836,1.1140051236918975,1.2028853164331192,1.057060103221223,1.1818796816951094,1.0728929279355839,1.0902764178196482,0.99621585346746766,0.9277067977830501,0.99435393385262061,1.0682912613364539,1.1560429820393083,1.1600523183708913,1.2207966099784393,1.2713533582326411,null,null,1.057060103221223,0.99621585346746766,1.1560429820393083,1.2832562891242807,1.473795845619299,null,null,1.1758750837955567,1.0354237410535836,1.1140051236918975,1.2028853164331192,1.057060103221223,1.1818796816951094]
[]
["Equity",328.92081709000007,269.87181060299997,59.049006487000099,0.21880390676988948,null,328.92081709000007,327.48430482599997,1.4365122640001005,4.386507209142021E-3,null,null,328.92081709000007,327.48430482599997,292.05470601100001,272.35417068300001,269.87181060299997,246.314113131,235.47050382899999,223.29293465800001,213.19907439600004,205.76312047000002,195.67260915900002,174.83870696600002,175.29447362199997,153.37508923499999,152.79318080499999,198.03121343199999,null,null,269.87181060299997,213.19907439600001,175.29447362200003,229.58471173199999,194.32554099999999,null,null,328.92081709000007,327.48430482599997,292.05470601100001,272.35417068300001,269.87181060299997,246.314113131]
["Return on equity before tax",0.34200267589882682,0.44736117276732651,-10.535849686849968,-0.2355110440558883,null,0.35554198172740031,0.36529369375600312,-0.97517120286028103,-2.6695538946578279E-2,null,null,0.35554198172740031,0.36529369375600312,0.30288035530114488,0.37374312927802866,0.64655901631120583,0.46337428765065775,0.36852287727193711,0.21561425269924053,0.29701988171806765,0.26482690151628857,0.28945130365020938,0.16537629424609221,"–",0.49304187761220675,1.6039319897150328,0.20754753581959309,null,null,0.44736117276732651,0.25762468615322637,0.16600563499914553,0.44868423931662382,0.45638133744520587,null,null,0.34200267589882682,0.33642602622247592,0.35300357198432369,0.37374312927802866,0.44736117276732651,0.37145927838786547]
["Return on equity after tax",0.23720725478642887,0.34333001405563091,-10.612275926920203,-0.3090984036484693,null,0.19614298533497762,0.28037209914046424,-8.422911380548662,-0.30041902908209306,null,null,0.19614298533497762,0.28037209914046424,0.20775542888365575,0.29070590905916061,0.47631264754846414,0.35899779179411073,0.2848094654306248,0.18001028593227253,0.13103590850267344,0.17242775027159835,0.17594041547004335,9.1477832588647542E-2,"–",0.28637753877448247,1.2672711867085253,0.16075918189060276,null,null,0.34333001405563091,0.14446158909581977,2.7994534535457877E-2,0.31943714517019661,0.32834467167524528,null,null,0.23720725478642887,0.25117210778637483,0.2590770936022056,0.29070590905916061,0.34333001405563091,0.291972040370022]
["Cost/income ratio**",0.45191310973159404,0.49783417581556849,-4.5921066083974447,-9.22416907371717E-2,null,0.36811911609831133,0.49248313104322078,-12.436401494490944,-0.25252441577332962,null,null,0.36811911609831133,0.49248313104322078,0.48410978394877524,0.46820779006564928,0.49529024177803127,0.42428560792231118,0.48653772687749119,0.62649260653627403,1.5009388311142811,0.56512348130301793,0.56958104835089962,0.63817895728091689,"–",0.36628189083081986,0.18945420565237253,0.41985559334073758,null,null,0.49783417581556849,0.70895504146514365,0.51428784997108323,0.43856561367937996,0.37309735493917412,null,null,0.45191310973159404,0.48225866820936913,0.47638826856099797,0.46820779006564928,0.49783417581556849,0.49874264724908085]
["Net interest margin (avg. interest bearing assets)",8.0772050034938869E-2,6.6770957225040631E-2,1.4001092809898239,0.20968836439935767,null,7.3309031175980033E-2,9.0867134348051853E-2,-1.7558103172071822,-0.1932283140438692,null,null,7.3309031175980033E-2,9.0867134348051853E-2,8.0662615510319932E-2,7.7965826407700348E-2,7.0028266864664582E-2,6.8447831971239603E-2,6.3919387473091158E-2,6.3878643817051689E-2,4.9441028787080753E-2,5.5241808954513305E-2,6.0311704890835142E-2,5.3898541050404175E-2,2.125587888065416E-2,null,null,null,null,null,6.6770957225040631E-2,5.4632085531412349E-2,5.1673346104566691E-2,null,null,null,null,8.0772050034938869E-2,8.2997141539827402E-2,7.9164737395954032E-2,7.7965826407700348E-2,6.6770957225040631E-2,6.558401263893035E-2]
["Provisioning ratio (avg. loans and advances to customers)",8.6908226544522051E-3,-1.4255397554904126E-2,2.2946220209356332,"–",null,1.928456142446397E-2,5.6412188208445051E-3,1.3643342603619464,2.4185097293526048,null,null,1.928456142446397E-2,5.6412188208445051E-3,9.6138660176296672E-3,-4.7283255796710569E-4,-5.4537424818398676E-2,1.9604360939744904E-3,5.133748453868014E-4,-7.9090518539908232E-4,-9.7705627590089286E-2,4.8155410538161733E-3,-8.2263059445102806E-5,5.0433824564038157E-3,1.3744788014892283E-2,5.2487895643512285E-2,-1.2218216187183639E-2,4.307001938463511E-2,null,null,-1.4255397554904126E-2,-2.2351266567552177E-2,1.3744788014892283E-2,1.2440983812247121E-2,null,null,null,8.6908226544522051E-3,4.9443835429414341E-3,4.6716747861793272E-3,-4.7283255796710569E-4,-1.4255397554904126E-2,6.058514070699702E-4]
[]
["NPL ratio",3.0122006048141348E-2,6.4728489503375515E-3,2.3649157097803797,3.6535932290789086,null,3.0122006048141348E-2,1.1391239849515211E-2,1.8730766198626139,1.6443132131418761,null,null,3.0122006048141348E-2,1.1391239849515211E-2,8.2359388407503408E-3,6.6663943261670187E-3,6.4728489503375515E-3,6.5603207896390708E-3,7.8771380155595351E-3,8.3337403332542134E-3,1.0932341917152285E-2,1.5275200145856024E-2,1.7544873600750823E-2,1.8610460114681694E-2,2.0162938372104762E-2,2.2208464495170461E-2,2.4168654042138152E-2,2.6283861664770789E-2,null,null,6.4728489503375515E-3,1.0932341917152285E-2,2.0162938372104762E-2,null,null,null,null,3.0122006048141348E-2,1.1391239849515211E-2,8.2359388407503408E-3,6.6663943261670187E-3,6.4728489503375515E-3,6.5603207896390708E-3]
["NPL coverage ratio",0.88881291940357066,3.4161500690388236,-252.73371496352527,-0.73982029435444296,null,0.88881291940357066,1.9491217048437077,-106.03087854401369,-0.54399311382413595,null,null,0.88881291940357066,1.9491217048437077,2.7094352903393388,3.1032750039796055,3.4161500690388236,5.0022160232724895,4.4695934400377775,4.2204396498078705,3.6356689854082656,4.7036314643671293,4.0112057241771026,3.8010902551549286,3.4102786897916983,2.6342200776922473,1.9295521151416122,1.6116129362334644,null,null,3.4161500690388236,3.6356689854082656,3.4102786897916983,null,null,null,null,0.88881291940357066,1.9491217048437077,2.7094352903393388,3.1032750039796055,3.4161500690388236,5.0022160232724895]
[]
["Number of employees",2176,2216,-40,-1.8050541516245522E-2,null,2176,2162,14,6.4754856614246403E-3,null,null,2176,2162,2152,2178,2216,2228,2194,2201,2190,2168,2192,2198,2210,2234,2220,2217,null,null,2216,2190,2210,2223,2147,null,null,2176,2162,2152,2178,2216,2228]
["Business outlets",97,100,-3,-3.0000000000000027E-2,null,97,96,1,1.0416666666666741E-2,null,null,97,96,96,96,100,100,100,100,100,100,100,98,101,96,99,98,null,null,100,100,101,96,96,null,null,97,96,96,96,100,100]
["Number of customers ",744935,719919,25016,3.4748353634228346E-2,null,744935,740085,4850,6.5533013099847714E-3,null,null,744935,740085,734542,723688,719919,707229,701651,695067,691925,685846,684727,683134,790811,797017,808277,825064,null,null,719919,691925,790811,833239,849823,null,null,744935,740085,734542,723688,719919,707229]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]

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["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,"Archive",null,null,null,null,null,null,"YtD"]
[]
["\n€ million","1/1-31/12\n2014","1/1-31/12\n2013","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2014","Q3\n2014","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2014","Q3\n2014","Q2\n2014","Q1\n2014","Q4\n2013","Q3\n2013","Q2\n2013","Q1\n2013","Q4\n2012","Q3\n2012","Q2\n2012","Q1 \n2012","Q4 \n2011","Q3 \n2011","Q2\n2011","Q1 \n2011",null,null,"1/1-31/12\n2013","1/1-31/12\n2012","1/1-31/12\n2011","1/1-31/12\n2010","1/1-31/12\n2009",null,null,"1/1-31/12\n2014","1/1-30/9\n2014","1/1-30/6\n2014","1/1-31/3\n2014","1/1-31/12\n2013","1/1-30/9\n2013"]
["Net interest income",271.69779682999996,332.27462872199999,-60.57683189200003,-0.18230953150107065,null,58.786205751999994,60.487332463000001,-1.7011267110000077,-2.8123685435137769E-2,null,null,58.786205751999994,60.487332463000001,68.246109476000015,84.178149138999999,91.03022507,89.356103192999996,79.790748398999995,72.097552059999998,84.384331062999962,89.407448047000031,87.618204984000002,89.022576960999999,92.319923594000016,92.350943572999995,80.161399971999998,78.223201856000003,null,null,332.27462872199999,350.43256105500001,343.05546899500001,332.97522274599999,409.71428500000002,null,null,271.69779682999996,212.91159107800001,152.42425861500001,84.178149138999999,332.27462872199999,241.24440365199999]
["Net fee and commission income",127.483780748,148.064780813,-20.581000064999998,-0.13899996982397178,null,30.422722764,31.543959259000001,-1.1212364950000016,-3.554520489307611E-2,null,null,30.422722764,31.543959259000001,32.081331351999999,33.435767372999997,39.100822581000003,39.084859031999997,36.240298516999999,33.638800682999999,40.894061514000022,40.466406576999994,35.955977417,32.435057100000002,36.024473273999988,34.737502425999992,31.080476754000006,28.970436347,null,null,148.064780813,149.75150260800001,130.81288880099999,126.849538705,125.17806,null,null,127.483780748,97.061057984000001,65.517098724999997,33.435767372999997,148.064780813,108.963958232]
["Net trading income",-110.916868267,12.043677301000001,-122.960545568,"–",null,-52.106709457000001,-15.3541767,-36.752532756999997,2.3936505014300118,null,null,-52.106709457000001,-15.3541767,-2.961005256,-40.494976854000001,3.4286248979999998,4.2535991979999999,2.1899090550000002,2.1715441499999999,1.8532714200000004,2.9706865069999999,0.91326147400000002,0.82199668599999998,-1.0511157419999995,2.434117938,1.0760363629999992,3.5497845440000004,null,null,12.043677301000001,6.5592160870000003,6.0088231030000001,15.039229618,-3.5445120000000001,null,null,-110.916868267,-58.810158810000004,-43.455982110000001,-40.494976854000001,12.043677301000001,8.615052403]
["Sundry net operating income",-15.111436604,-5.0579328170000002,-10.053503787,1.9876704872808117,null,-3.0696940800000001,-5.2397010140000004,2.1700069340000003,-0.41414709125615012,null,null,-3.0696940800000001,-5.2397010140000004,-6.2656557909999995,-0.53638571899999998,-1.9971221940000004,-1.1989316019999998,-1.0587752690000001,-0.80310375199999995,-0.6987352280000001,-0.11355202100000003,-1.3848955869999999,0.22874319200000001,-3.7775206709999996,0.78363872599999995,-0.76386339299999984,-1.3238780800000001,null,null,-5.0579328170000002,-1.968439644,-5.0816234179999995,-7.3045945470000007,-2.3444660000000002,null,null,-15.111436604,-12.041742524,-6.8020415099999996,-0.53638571899999998,-5.0579328170000002,-3.0608106230000001]
["Operating income",273.15327270699999,487.32515401899997,-214.17188131199998,-0.43948456086395615,null,34.032524978999987,71.437414008000005,-37.404889029000017,-0.52360362631283364,null,null,34.032524978999987,71.437414008000005,91.100779781,76.582553939000007,131.56255035500001,131.49562982099999,117.162180702,107.104793141,126.43292876899997,132.73098911000002,123.10254828799999,122.50837393899999,123.51576045500003,130.30620266299997,111.55404969600001,109.41954466700001,null,null,487.32515401899997,504.774840106,474.795557481,467.55939652199993,529.00336699999991,null,null,273.15327270699999,239.120747728,167.68333372000001,76.582553939000007,487.32515401899997,355.76260366399998]
["Staff expenses",-92.962445446999993,-148.05271515000001,55.090269703000018,-0.372099016537354,null,-18.023490684999999,-20.911463828999999,2.887973144,-0.13810478155025008,null,null,-18.023490684999999,-20.911463828999999,-23.709796911000002,-30.317694022000001,-37.689341884000008,-36.346374067000006,-36.048375176,-37.968624022999997,-38.46618429099999,-36.885669863000004,-38.640714119999998,-40.55140772,-37.858140253000002,-36.512912407000002,-34.773087590000003,-35.951912097999994,null,null,-148.05271515000001,-154.54397599399999,-145.096052348,-139.25794512299998,-117.975702,null,null,-92.962445446999993,-74.938954761999995,-54.027490933000003,-30.317694022000001,-148.05271515000001,-110.363373266]
["Other administrative expenses",-63.288216773999999,-88.822774632000005,25.534557858000007,-0.28747759753950219,null,-11.803570104,-15.435236601,3.6316664969999994,-0.23528414826920863,null,null,-11.803570104,-15.435236601,-16.420417078999996,-19.62899299,-20.46693078500001,-22.742765533000004,-22.758163482,-22.854914831999999,-21.566351307999991,-24.085803784000003,-23.433369612,-23.120897103000001,-25.852190157999999,-22.571231570999998,-22.413079226999997,-22.635918078000003,null,null,-88.822774632000005,-92.206421806999998,-93.472419033999998,-100.84902448999999,-88.847164000000006,null,null,-63.288216773999999,-51.484646670000004,-36.049410068999997,-19.62899299,-88.822774632000005,-68.355843847000003]
["Depreciation on intangible and tangible fixed ass.",-59.297726972999996,-46.120481935000001,-13.177245037999995,0.28571351566905512,null,-7.5815298640000002,-36.824396828000005,29.242866964000005,-0.79411665859967961,null,null,-7.5815298640000002,-36.824396828000005,-6.5136013100000003,-8.3781989709999998,-11.561975791000002,-11.237688905999999,-12.004105188,-11.31671205,-26.176372189999999,-18.147557011,-12.354757631,-12.502614761,-12.398964160000007,-10.365792377999997,-9.8705404500000018,-9.9123986089999985,null,null,-46.120481935000001,-69.181301593000001,-42.547695597000001,-40.347069984999997,-30.518072,null,null,-59.297726972999996,-51.716197108999999,-14.891800281,-8.3781989709999998,-46.120481935000001,-34.558506143999999]
["General administrative expenses",-215.54838919399998,-282.99597171700003,67.447582523000051,-0.23833407279185082,null,-37.408590653000005,-73.171097258000003,35.762506604999999,-0.48875181519968236,null,null,-37.408590653000005,-73.171097258000003,-46.6438153,-58.324885983000001,-69.718248460000012,-70.326828506000027,-70.810643846000005,-72.140250904999988,-86.208907789000023,-79.119030657999986,-74.428841363000004,-76.174919584000008,-76.109294571000021,-69.449936355999995,-67.056707267000007,-68.50022878499999,null,null,-282.99597171700003,-315.93169939400002,-281.11616697900001,-280.45403959800001,-237.34093799999999,null,null,-215.54838919399998,-178.139798541,-104.968701283,-58.324885983000001,-282.99597171700003,-213.27772325700002]
["Operating result",57.604883513000004,204.32918230199994,-146.72429878899993,-0.71807804022893018,null,-3.3760656740000172,-1.7336832499999986,-1.6423824240000187,0.94733707786587895,null,null,-3.3760656740000172,-1.7336832499999986,44.456964481,18.257667956000006,61.844301895000001,61.168801314999968,46.351536855999996,34.964542236000014,40.224020979999949,53.611958452000039,48.673706924999991,46.333454354999986,47.406465883999999,60.85626630699997,44.497342429,40.919315882000021,null,null,204.32918230199994,188.84314071199998,193.67939050199999,187.10535692399992,291.66242899999992,null,null,57.604883513000004,60.980949186999993,62.714632437000006,18.257667956000006,204.32918230199994,142.48488040699996]
["Net provisioning for impairment losses",-533.36365136100005,-121.280767766,-412.08288359500006,3.3977595226810884,null,-206.80701496,-143.04947872299999,-63.757536237000011,0.44570268138103231,null,null,-206.80701496,-143.04947872299999,-91.591780987999996,-91.915376690000002,-26.60206221,-36.268931606999999,-31.732162028999998,-26.67761192,-33.444985948000017,-24.600413967999991,-26.441916285000001,-22.368104125999999,-30.315268108000005,-15.728792638000002,-23.584801024000008,-38.485329244999996,null,null,-121.280767766,-106.855420327,-108.114191015,-200.26233000400001,-499.00745499999999,null,null,-533.36365136100005,-326.55663640100005,-183.507157678,-91.915376690000002,-121.280767766,-94.678705555999997]
["Other results",130.98692418799999,43.675990607000003,87.310933580999986,1.9990601785459345,null,25.133025572000001,28.491365928,-3.3583403559999994,-0.11787221309384743,null,null,25.133025572000001,28.491365928,33.960790760000002,43.401741928,3.5236109999999599E-2,4.9909663570000049,6.4084836480000007,32.241304491999998,5.2035379440000007,-14.361526073,-6.0615679560000002,-6.3487578170000001,-6.8920284780000012,-12.338290236999999,-1.0412638479999998,5.0722067260000001,null,null,43.675990607000003,-21.568313902,-15.199375837,27.018495002999998,4.2617710000000004,null,null,130.98692418799999,105.853898616,77.362532688000002,43.401741928,43.675990607000003,43.640754497000003]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Net income from financial investments",130.98692418799999,43.675990607000003,87.310933580999986,1.9990601785459345,null,25.133025572000001,28.491365928,-3.3583403559999994,-0.11787221309384743,null,null,25.133025572000001,28.491365928,33.960790760000002,43.401741928,3.5236109999999599E-2,4.9909663570000049,6.4084836480000007,32.241304491999998,5.2035379440000007,-14.361526073,-6.0615679560000002,-6.3487578170000001,-6.8920284780000012,-12.338290236999999,-1.0412638479999998,5.0722067260000001,null,null,43.675990607000003,-21.568313902,-15.199375837,27.018495002999998,4.2617710000000004,null,null,130.98692418799999,105.853898616,77.362532688000002,43.401741928,43.675990607000003,43.640754497000003]
["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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Bank levy",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Operating result - Special effects",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Impairment of goodwill",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,0,0,0,0,0,null,null,0,0,0,0,0,0]
["Profit/loss before tax",-344.77184366,126.724405143,-471.49624880300001,"–",null,-185.05005506200001,-116.291796045,-68.758259017000015,0.59125631691502534,null,null,-185.05005506200001,-116.291796045,-13.174025746999998,-30.255966806,35.277475795000008,29.890836064999995,21.027858475000002,40.528234808000001,11.982572976,14.650018411000008,16.170222683999999,17.616592411999999,10.199169298000017,32.789183431999994,19.871277556999999,7.5061933629999995,null,null,126.724405143,60.419406483000003,70.36582365000001,13.861521923,-203.08325500000001,null,null,-344.77184366,-159.72178859799999,-43.429992552999998,-30.255966806,126.724405143,91.446929347999998]
["Income taxes",54.996631659000002,-26.065263037000001,81.061894695999996,"–",null,33.641041764000001,11.629944572000001,22.011097192000001,1.8926227081935911,null,null,33.641041764000001,11.629944572000001,2.9749058509999999,6.7507394720000002,-6.5477463170000032,-6.777052265,-4.1916717850000005,-8.5487926699999992,-12.755296074999997,-4.162405441999999,-5.136970152,-4.9216838490000008,-5.7066526119999974,-7.5644929100000002,-5.6950373400000007,-4.7416940519999997,null,null,-26.065263037000001,-26.976355517999998,-23.707876914,13.759418755999999,42.980615,null,null,54.996631659000002,21.355589894999998,9.7256453230000002,6.7507394720000002,-26.065263037000001,-19.51751672]
["Profit/loss after tax",-289.775212001,100.659142106,-390.43435410699999,"–",null,-151.40901329800002,-104.661851473,-46.74716182500002,0.44664948275885941,null,null,-151.40901329800002,-104.661851473,-10.199119896000003,-23.505227334000001,28.729729478000007,23.113783799999997,16.836186690000002,31.979442138,-0.77272309900000558,10.487612969000004,11.033252532000001,12.694908562999998,4.4925166860000019,25.224690521999996,14.176240217000002,2.7644993110000002,null,null,100.659142106,33.443050964999998,46.657946736,27.620940679,-160.10264000000001,null,null,-289.775212001,-138.36619870300001,-33.704347230000003,-23.505227334000001,100.659142106,71.929412627999994]
[]
[]
["Total assets",2480.6199754560007,4326.8822416809999,-1846.2622662249992,-0.42669575068160936,null,2480.6199754560007,2894.0928460069999,-413.47287055099923,-0.14286786656532824,null,null,2480.6199754560007,2894.0928460069999,3043.8356839120001,3289.1918520280001,4326.8822416809999,4494.5384245969999,4727.0099187510004,4832.055142059,4922.1413027190001,4978.0799173019996,5148.0332197690004,5130.6252219369999,5466.6519368640002,5341.4428584909992,5168.4127028660014,5225.6076627470002,null,null,4326.8822416809999,4922.1413027190001,5466.6519368640002,5544.0390857419989,4982.938521,null,null,2480.6199754560007,2894.0928460069999,3043.8356839120001,3289.1918520280001,4326.8822416809999,4494.5384245969999]
["Loans and advances to customers",2687.7877658070001,3598.6211960659998,-910.83343025899967,-0.2531062261442576,null,2687.7877658070001,2890.4458654479999,-202.65809964099981,-7.0113092953425382E-2,null,null,2687.7877658070001,2890.4458654479999,2873.4114851929999,3026.6206379800001,3598.6211960659998,3618.885234332,3786.9228338299999,3806.0426420130002,3714.9244366620001,3932.3364498269998,4120.5901255689996,4031.6382162089999,4248.4659999420001,4158.2092849250002,3844.864148783,3882.5197891329999,null,null,3598.6211960659998,3714.9244366620001,4248.4659999420001,4147.7319637310002,4401.1466520000004,null,null,2687.7877658070001,2890.4458654479999,2873.4114851929999,3026.6206379800001,3598.6211960659998,3618.885234332]
["  Hereof corporate %",0.5457327169429963,0.56597902363155217,-2.0246306688555871,-3.5772185616787189E-2,null,0.5457327169429963,0.54224639829297538,0.34863186500209142,6.4293993671438177E-3,null,null,0.5457327169429963,0.54224639829297538,0.5393332175592005,0.54797643973262589,0.56597902363155217,0.53979913702701243,0.5325209939573633,0.51886618201633561,0.52017780175314488,0.51396803325046492,0.51002453532139813,0.52598199540732571,0.51304870981667261,0.49943064429902395,0.47524749900126506,0.46657454436809082,null,null,0.56597902363155217,0.52017780175314488,0.51304870981667261,0.45911018358948941,0.434,null,null,0.5457327169429963,0.54224639829297538,0.5393332175592005,0.54797643973262589,0.56597902363155217,0.53979913702701243]
["  Hereof retail % ",0.45184381164684778,0.43385924775073564,1.7984563896112138,4.1452530951800348E-2,null,0.45184381164684778,0.45510136713669763,-0.32575554898498504,-7.1578679500459153E-3,null,null,0.45184381164684778,0.45510136713669763,0.45792926942926021,0.44925050080601436,0.43385924775073564,0.46000992018259768,0.46729864853338715,0.48094385691386038,0.47968572169982482,0.48589133787143318,0.48994561458431923,0.47396318816322297,0.48688726707475122,0.50053135857288555,0.52475250099873494,0.53342545563190913,null,null,0.43385924775073564,0.47968572169982482,0.48688726707475122,0.54088981641051059,0.56599999999999995,null,null,0.45184381164684778,0.45510136713669763,0.45792926942926021,0.44925050080601436,0.43385924775073564,0.46000992018259768]
["  Hereof FCY % ",0.5746803764940247,0.46880899880329019,10.58713776907345,0.22583051511593877,null,0.5746803764940247,0.55412464921904092,2.0555727274983782,3.709585434243734E-2,null,null,0.5746803764940247,0.55412464921904092,0.55738936391577198,0.54296299290973749,0.46880899880329019,0.47959244010686836,0.49936665809676029,0.50847643655837671,0.51581479857011292,0.53535042763002016,0.54436620281184989,0.59867474970747148,0.56812035215368295,0.58045178455791302,0.62525616171924747,0.64078540100772052,null,null,0.46880899880329019,0.51581479857011292,0.56812035215368339,0.65577188299152167,0.66200000000000003,null,null,0.5746803764940247,0.55412464921904092,0.55738936391577198,0.54296299290973749,0.46880899880329019,0.47959244010686836]
["Deposits from customers",1541.122330746,2432.8752338680001,-891.75290312200013,-0.36654280117119387,null,1541.122330746,1648.6062194000001,-107.48388865400011,-6.5196823467715825E-2,null,null,1541.122330746,1648.6062194000001,1621.7424543730001,1610.472514991,2432.8752338680001,2651.7769153710001,2806.0242915509998,2835.1652405459999,2645.6281012029999,2606.835961108,2684.3784264740002,2568.5828311589999,2631.4062052210002,2543.3190517560001,2518.7798975659998,2395.1508863550002,null,null,2432.8752338680001,2645.6281012029999,2631.4062052210002,2555.0860272350001,2303.3895600000001,null,null,1541.122330746,1648.6062194000001,1621.7424543730001,1610.472514991,2432.8752338680001,2651.7769153710001]
["Loan/deposit ratio (net)*",1.0468916518061344,1.1591535262765584,-11.226187447042403,-9.6848149900412572E-2,null,1.0468916518061344,1.1856745236672737,-13.878287186113925,-0.11704972072089892,null,null,1.0468916518061344,1.1856745236672737,1.2679627987965651,1.4104843795140045,1.1591535262765584,1.3647019903352977,1.3495687992554115,1.3424412050424359,1.4041748479209069,1.5083425092677321,1.5348991375187939,1.5694070832787033,1.6145230605265637,1.6349538537266965,1.5264788132136713,1.6209917342792188,null,null,1.1591535262765584,1.4041748479209069,1.6145230605265637,1.623323801828892,1.9107261439528276,null,null,1.0468916518061344,1.1856745236672737,1.2679627987965651,1.4104843795140045,1.1591535262765584,1.3647019903352977]
[]
["Equity",217.706043545,878.31417412199994,-660.60813057699988,-0.75213192504535387,null,217.706043545,404.70630221199997,-187.00025866699997,-0.46206411327156049,null,null,217.706043545,404.70630221199997,512.50274827699991,618.4393033660001,878.31417412199994,867.38953207299994,877.86984096099991,885.40168930200002,834.14462191000007,883.08076753,361.72816109500002,840.21669421599995,771.28471424700001,812.36735557999987,741.56750703900002,767.65369609799995,null,null,878.31417412199994,834.14462191000007,771.28471424700001,788.8012968569999,704.07860099999994,null,null,217.706043545,404.70630221199997,512.50274827699991,618.4393033660001,878.31417412199994,867.38953207300005]
["Return on equity before tax","–",0.16057766021349643,"–","–",null,"–","–","–","–",null,null,"–","–","–","–",0.17940187410813122,0.14719887899525042,9.9985272822354768E-2,0.19601064618890265,5.8112589013483262E-2,6.7950615329931519E-2,0.11099044485000617,8.5802347937379994E-2,5.1471705275397767E-2,0.17548062107529083,0.10672609375551186,3.8649619824319567E-2,null,null,0.16057766021349643,7.4790027751325538E-2,9.2988659727787498E-2,1.7087301494289189E-2,-0.24595379176991336,null,null,"–","–","–","–",0.16057766021349643,0.15277805483587936]
["Return on equity after tax","–",0.12754930275853157,"–","–",null,"–","–","–","–",null,null,"–","–","–","–",0.14610363113631109,0.11382495482227252,8.0054310879498547E-2,0.15466528823487469,"–",4.8644290716428909E-2,7.5730905541630644E-2,6.1831081521405783E-2,2.2672189082295433E-2,0.13499709037928206,7.6138775585026672E-2,1.4234491733375749E-2,null,null,0.12754930275853157,4.1397406154016096E-2,6.1658624991184005E-2,3.4048738916238969E-2,-0.19390004055417273,null,null,"–","–","–","–",0.12754930275853157,0.12017063694915107]
["Cost/income ratio**",0.7891115016044844,0.58071283491753944,20.839866668694494,0.35886698925216165,null,1.0992011517242182,1.0242685611464863,7.4932590577731828,7.3157171292905998E-2,null,null,1.0992011517242182,1.0242685611464863,0.51200237157276285,0.76159494536389172,0.52992472608562791,0.53482255343187657,0.60438140893011938,0.6735482959201432,0.68185486667408068,0.59608559529704519,0.60460845366801641,0.62179357324528217,0.6161909564466358,0.53297490784542745,0.60111405591942813,0.62603284443806562,null,null,0.58071283491753944,0.62588638397202223,0.59207834308822382,0.59982548032227145,0.44865676251924502,null,null,0.7891115016044844,0.74497842714858908,0.62599364501112686,0.76159494536389172,0.58071283491753944,0.59949449734303772]
["Net interest margin (avg. interest bearing assets)",9.3470702525942126E-2,7.9184408227425146E-2,1.4286294298516979,0.180418021910139,null,9.5196336139212134E-2,9.0402706827175244E-2,0.479362931203689,5.3025285196393268E-2,null,null,9.5196336139212134E-2,9.0402706827175244E-2,9.4728450221730168E-2,9.3217801723595201E-2,9.1541721953696156E-2,8.5327051078876684E-2,7.3610650934869071E-2,6.661077517693649E-2,7.512007734980472E-2,7.832152249293084E-2,7.5515573402334335E-2,7.5050503275539276E-2,7.7321146453418352E-2,null,null,null,null,null,7.9184408227425146E-2,7.580710552201253E-2,7.2176211463381032E-2,null,null,null,null,9.3470702525942126E-2,9.2941760326594486E-2,9.4392737786852435E-2,9.3217801723595201E-2,7.9184408227425146E-2,7.5125360796485408E-2]
["Provisioning ratio (avg. loans and advances to customers)",0.17773836757380074,3.3166065778894027E-2,14.45723017949067,4.3590428469483573,null,0.29659139954447872,0.1985468689048544,9.8044530639624323,0.49381051023578837,null,null,0.29659139954447872,0.1985468689048544,0.12419156923334515,0.11098810155748566,2.9486152833017223E-2,3.9178905284269788E-2,3.343322145209883E-2,2.837678893252106E-2,3.4987676183078652E-2,2.4438731671202679E-2,2.594816060241318E-2,2.1611422795736544E-2,2.1998117002259638E-2,1.5722752283393711E-2,2.4416854359495536E-2,3.8340346409462593E-2,null,null,3.3166065778894027E-2,2.6836664904896626E-2,2.1998117002259638E-2,4.6851134284558067E-2,null,null,null,0.17773836757380074,0.14182411200883455,0.11341547035717534,0.11098810155748566,3.3166065778894027E-2,3.4426384031740698E-2]
[]
["NPL ratio",0.45983263965364513,0.30586645718734684,15.396618246629828,0.50337714008304002,null,0.45983263965364513,0.39761689770372771,6.2215741949917414,0.15647157429480174,null,null,0.45983263965364513,0.39761689770372771,0.36033855761193029,0.32530863651849129,0.30586645718734684,0.32582565670050923,0.33683466206516893,0.34971516774599865,0.34655984743442503,0.37383774856413265,0.37152644023011183,0.35763875394449668,0.34845550912263634,0.33866513768447792,0.3386001797780232,0.3371297858322807,null,null,0.30586645718734684,0.34655984743442503,0.34845550912263634,null,null,null,null,0.45983263965364513,0.39761689770372771,0.36033855761193029,0.32530863651849129,0.30586645718734684,0.32582565670050923]
["NPL coverage ratio",0.86895879928113184,0.70729473178896496,16.166406749216687,0.22856676322651093,null,0.86895879928113184,0.81410167932984867,5.4857119951283178,6.7383622149558065E-2,null,null,0.86895879928113184,0.81410167932984867,0.78906209643327063,0.76683932898920737,0.70729473178896496,0.70211675077466607,0.68125057686724677,0.68602080068781823,0.68381765934553373,0.65494928335526681,0.64998686417627805,0.66221323182221714,0.65652323787581879,0.68877620309348875,0.70837381462166393,0.70299497941675759,null,null,0.70729473178896496,0.68381765934553373,0.65652323787581879,null,null,null,null,0.86895879928113184,0.81410167932984867,0.78906209643327063,0.76683932898920737,0.70729473178896496,0.70211675077466607]
[]
["Number of employees",11478,13053,-1575,-0.12066191680073546,null,11478,12199,-721,-5.9103205180752516E-2,null,null,11478,12199,12398,12891,13053,13324,13492,13787,13849,14493,14874,14971,15267,15528,15467,15478,null,null,13053,13849,15267,15432,15225,null,null,11478,12199,12398,12891,13053,13324]
["Business outlets",671,798,-127,-0.15914786967418548,null,671,670,1,1.4925373134329067E-3,null,null,671,670,713,770,798,818,820,822,825,826,825,828,909,917,922,920,null,null,798,825,909,931,953,null,null,671,670,713,770,798,818]
["Number of customers ",2940953,3062204,-121251,-3.9595990338984643E-2,null,2940953,2859750,81203,2.8395139435265282E-2,null,null,2940953,2859750,2962732,3014699,3062204,3084830,3082951,3023416,3029424,3033169,3126885,3361826,3380743,3402385,3389355,3907875,null,null,3062204,3029424,3380743,3902438,4882467,null,null,2940953,2859750,2962732,3014699,3062204,3084830]
["* Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements, securities lending/borrowing and impairment losses on loans and advances; retrospective adaption until 31/12/2013","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]
["** CIR comparing general administrative expenses in relation to operating income (less bank levies, impairments of goodwill and any one-off effects from sundry operating expenses)","Loan-to-Deposit ratio minus claims and obligations from (reverse) repurchase agreements and securities lending/borrowing"]