{"text_format":"1","workbook":"xlsx","n_sheets":31,"sheets":["Contents","Glossary","Summary","Currency","Financial position","Income statement","Equity","Segment overview","Segment comparison","Asset Quality","Credit Portfolio and RWA","NPE","Funding","Capital Basel III","RBI Overview","RBI Overview excl. RU_BY","Country Overview","CE-CZ","CE-HU","CE-PL","CE-SK","SEE-AL","SEE-BH","SEE-HR","SEE-KO","SEE-RS","SEE-RO","EE-BY","EE-RU","EE-UA","GC&M"],"not_rendered":{"charts":0,"images":29,"macros":1,"external_links":28,"defined_names":2971,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Contents","index":0,"n_rows":48,"n_cols":5,"rows_kept":48,"cut":false,"hidden":false,"merged":[[10,1,10,4],[11,1,11,4],[49,2,49,4],[47,2,47,4]]}
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Key Financial Data"]
[null,"31/12/2023 (4Q 2023)"]
[]
[null,null,"Worksheet","Name","Pages"]
[]
[null,null,"Glossary","Glossary",1]
[null,null,"Summary 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",3]
[null,null,"Asset Quality","Asset Quality",2]
[null,null,"Credit Portfolio and RWA","Credit Portfolio and RWA",2]
[null,null,"Non-performing exposure","NPE",1]
[null,null,"Funding","Funding",1]
[null,null,"Total capital development","Capital Basel III",1]
[null,null,"RBI Overview","RBI Overview",1]
[null,null,"RBI Overview excl. RU/BY","RBI Overview excl. RU/BY",1]
[null,null,"Country and Segment Overview","Country Overview",1]
[null,null,"Czech Republic","CE-CZ",1]
[null,null,"Hungary","CE-HU",1]
[null,null,"Poland","CE-PL",1]
[null,null,"Slovakia","CE-SK",1]
[null,null,"Albania","SEE-AL",1]
[null,null,"Bosnia and Herzegovina","SEE-BH",1]
[null,null,"Croatia","SEE-HR",1]
[null,null,"Kosovo","SEE-KO",1]
[null,null,"Romania","SEE-RO",1]
[null,null,"Serbia","SEE-RS",1]
[null,null,"Belarus","EE-BY",1]
[null,null,"Russia","EE-RU",1]
[null,null,"Ukraine","EE-UA",1]
[null,null,"GC&M","GC&M",1]
[null,null,null,null,34]
[]
[null,null,"Figures could be slightly different from financial report and presentation due to roundings"]

{"sheet":"Glossary","index":1,"n_rows":21,"n_cols":2,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
["Glossary "]
[]
[]
[]
["Cost/income ratio","General administrative expenses in relation to operating income (before impairment)"]
[]
["Interest-bearing assets ","Total assets less investments in subsidiaries and associates, tangible fixed assets, intangible fixed assets, tax assets and other assets "]
[]
["Loan/deposit ratio ","Loans to non-financial corporations and households in relation to deposits from non-financial corporations and households"]
[]
["Net interest margin","Net interest income in relation to average interest-bearing assets"]
[]
["NPE coverage ratio ","Impairment losses (Stage 3) on loans to customers and banks and on debt securities in relation to non-performing loans to customers and banks and debt securities"]
[]
["NPE ratio ","Non-performing loans and debt securities in relation to the entire loan portfolio to customers and banks and debt securities"]
[]
["Operating income ","They are primarily income components of the ongoing business operations (before impairment). It comprises net interest income, dividend income, current income from investments in associates, net fee and commission income, net trading income and fair value result, net gains/losses from hedge accounting and other net operating income"]
[]
["Operating result ","Consists of operating income less general administrative expenses"]
[]
["Provisioning ratio","Impairment or reversal of impairment on financial assets (customer loans) in relation to average customer loans"]

{"sheet":"Summary","index":2,"n_rows":55,"n_cols":9,"rows_kept":55,"cut":false,"hidden":false,"merged":[[0,6,3,6],[54,0,54,4],[57,0,57,4],[53,0,53,4]]}
["Summary of key data",null,null,null,null,null,"Archive"]
[]
[]
["Raiffeisen Bank International Group\nMonetary values in € million",2023,null,2022,"Change\n",null,null,2022,2021]
["Income statement  ","1/1–31/12",null,"1/1–31/12",null,null,null,"1/1–31/12","1/1–31/12"]
["Net interest income",5683.2672110989997,null,5052.6731100610004,0.12480405664525285,null,null,5052.6731100610004,3327.4462372170001]
["Net fee and commission income",3041.5229633919998,null,3878.2539302589998,-0.21574940215715088,null,null,3878.2539302589998,1984.7956820459999]
["Operating income",9065.4520706289986,null,9709.9894166209997,-6.6378789753232859E-2,null,null,9709.9894166209997,5570.3859013330002]
["General administrative expenses",-3907.8250494910003,null,-3552.3355603310001,0.10007204643890022,null,null,-3552.3355603310001,-2978.1541650480003]
["Operating result",5157.6270211379979,null,6157.6538562899996,-0.16240387304825221,null,null,6157.6538562899996,2592.2317362849999]
["Impairment losses on financial assets",-392.829710917,null,-949.40626737900004,-0.58623644648831497,null,null,-949.40626737900004,-294.63473398299999]
["Profit/loss before tax",3575.5365895,null,4203.3457838490003,-0.14935939764016182,null,null,4203.3457838490003,1789.6868056220001]
["Profit/loss after tax",2578.2425284359997,null,3797.096427984,-0.32099629879432079,null,null,3797.096427984,1507.6167867709999]
["Consolidated profit/loss",2385.8307328229998,null,3626.6172896939997,-0.34213330433211853,null,null,3626.6172896939997,1372.2656007759999]
["Statement of financial position","31/12",null,"31/12",null,null,null,"31/12","31/12"]
["Loans to banks  ",14713.554447847,null,15716.063127996,-6.3788791886637886E-2,null,null,15716.063127996,16630.377112845999]
["Loans to customers  ",99433.67146629699,null,103229.55978736801,-3.6771331088592984E-2,null,null,103229.55978736801,100831.60596026901]
["Deposits from banks  ",26144.213070256003,null,33640.704597143005,-0.22283990827955658,null,null,33640.704597143005,34607.468382239]
["Deposits from customers  ",119353.248782047,null,125098.89412249801,-4.5928825996054079E-2,null,null,125098.89412249801,115153.256676405]
["Equity ",19849.404732792002,null,18764.329115375,5.7826507451733011E-2,null,null,18764.329115375,15475.007876037002]
["Total assets",198240.70895795399,null,207057.45277623599,-4.2581146923555191E-2,null,null,207057.45277623599,192100.50430617799]
["Key ratios","1/1–31/12",null,"1/1–31/12",null,null,null,"1/1–31/12","1/1–31/12"]
["Return on equity before tax",0.19763071824786121,null,0.26626779740364853,-6.8637079155787317,null,null,0.26626779740364853,0.12591970480966569]
["Return on equity after tax",0.14250726008742706,null,0.24053326906708797,-9.8026008979660908,null,null,0.24053326906708797,0.1060736773383783]
["Consolidated return on equity",0.14804904813271796,null,0.2678764537376408,-11.982740560492283,null,null,0.26787645373764102,0.10901655391408527]
["Cost/income ratio",0.431067862809831,null,0.36584340187336528,6.5224460936465718,null,null,0.36584340187336528,0.53464054695659846]
["Return on assets before tax",1.7178699200544968E-2,null,2.0183034251542786E-2,-0.30043350509978173,null,null,2.0183034251542786E-2,9.9032795756852227E-3]
["Net interest margin (avg. interest bearing assets)",2.8697033041720381E-2,null,2.5939156541923959E-2,0.27578764997964222,null,null,2.5939156541923959E-2,2.0138599482503992E-2]
["Provisioning ratio (avg. loans and advances to customers)",3.3582842889349003E-3,null,7.2970210469413066E-3,-0.39387367580064059,null,null,7.2970210469413066E-3,3.039356563146529E-3]
[null,"31/12",null,"31/12",null,null,null,"31/12","31/12"]
["NPE ratio",1.8857477042754631E-2,null,1.6011550947790637E-2,0.28459260949639936,null,null,1.6011550947790637E-2,1.5789614153187245E-2]
["NPE coverage ratio",0.51669878841672778,null,0.59037633164443104,-7.3677543227703257,null,null,0.59037633164443104,0.62512001408850271]
["Total risk-weighted assets (RWA) ",93663.724863384254,null,97680.15448414367,-4.1118174331014168E-2,null,null,97680.15448414367,89928.197172550004]
["Common equity tier 1 ratio (transitional, incl. result)",0.17299373885500535,null,0.16014539081811957,1.2848348036885782,null,null,0.16014539081811957,0.13135313309994823]
["Tier 1 ratio (transitional, incl. result)",0.19090199147018663,null,0.1772992129937806,1.3602778476406034,null,null,0.1772992129937806,0.14967198717492744]
["Total capital ratio (transitional, incl. result)",0.21532014149622747,null,0.20169451028920821,1.3625631207019262,null,null,0.20169451028920821,0.17577346242303879]
[]
["Common equity tier 1 ratio (fully loaded)",0.16982038345045061,null,0.15567417712377388,1.4146206326676736,null,null,0.15567417712377388,0.13135313309994823]
["Tier 1 ratio (fully loaded)",0.18774904480478422,null,0.17286867605164474,1.4880368753139472,null,null,0.17286867605164474,0.14967198717492744]
["Total capital ratio (fully loaded)",0.2144258986633612,null,0.20021639044353867,1.4209508219822531,null,null,0.20021639044353867,0.17577346242303879]
["Stock data  ","1/1–31/12",null,"1/1–31/12",null,null,null,"1/1–31/12","1/1–31/12"]
["Earnings per share in €  ",6.9328794593485918,null,10.755548404176615,-0.35541367126790091,null,null,10.755548404176615,3.8949642793157246]
["Closing price in €  ",18.670000000000002,null,15.35,0.21628664495114025,null,null,15.35,25.88]
["High (closing prices) in €",18.75,null,28.42,-0.34025334271639696,null,null,28.42,29.4]
["Low (closing prices) in €",12.73,null,10,0.27300000000000013,null,null,10,16.170000000000002]
["Number of shares in million",328.93962099999999,null,328.93962099999999,0,null,null,328.93962099999999,328.93962099999999]
["Market capitalization in € million",6141.3027240000001,null,5049.2231823499997,0.21628664493727667,null,null,5049.2231823499997,8512.9573914800003]
["Dividend per share in €",1.25,1,0.8,0.5625,null,null,0.8,"–"]
["Resources  ","31/12",null,"31/12",null,null,null,"31/12","31/12"]
["Employees as at reporting date (full-time equivalents)",44887,null,44414,1.0649795109650029E-2,null,null,44414,46185]
["Business outlets  ",1519,null,1664,-8.7139423076923128E-2,null,null,1664,1771]
["Customers in million2",18.556294999999999,null,18.057020000000001,2.7649911225661628E-2,null,null,18.057020000000001,19.459651999999998]
[]
["1 Proposal to the Annual General Meeting"]
["2 Adaptation of prior years‘ figures due to the inclusion of customers from the credit card business"]

{"sheet":"Currency","index":3,"n_rows":33,"n_cols":11,"rows_kept":33,"cut":false,"hidden":false,"merged":[]}
["Currency development"]
[]
[]
["Rates in units per € - as of","31/3/2022","30/6/2022","30/9/2022","31/12/2022","31/3/2023","30/6/2023","30/9/2023","31/12/2023","YTD Re-/\nDevaluation","QoQ Re-/\nDevaluation"]
["ALL",121.62,119.13,116.6,114.23,113.21,106.44,106.63,103.88,9.9634193299961579E-2,2.64728532922603E-2]
["BAM",1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,0,0]
["BGN",1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,1.95583,0,0]
["BYN",3.3083999999999998,2.6629999999999998,2.3956,2.9156,3.1030000000000002,3.3098000000000001,3.4645999999999999,3.5363000000000002,-0.17552243870712333,-2.0275429120832598E-2]
["CZK",24.375,24.739000000000001,24.548999999999999,24.116,23.492000000000001,23.742000000000001,24.338999999999999,24.724,-2.4591490050153719E-2,-1.5571913929784888E-2]
["HRK",7.5739999999999998,7.5307000000000004,7.524,7.5345000000000004,"–","–","–","–","–","–"]
["HUF",369.77,397.04,422.18,400.87,379.5,371.93,389.5,382.8,4.7204806687565291E-2,1.7502612330198508E-2]
["PLN",4.6531000000000002,4.6904000000000003,4.8483000000000001,4.6807999999999996,4.67,4.4387999999999996,4.6283000000000003,4.3395000000000001,7.8649614010830621E-2,6.6551446019126659E-2]
["RON",4.9462999999999999,4.9463999999999997,4.9489999999999998,4.9494999999999996,4.9489999999999998,4.9634999999999998,4.9734999999999996,4.9756,-5.2455985207815053E-3,-4.2205965109744247E-4]
["RSD",117.7508,117.4055,117.31789999999999,117.3224,117.2933,117.23009999999999,117.1996,117.1737,1.2690561107143086E-3,2.2103936292877275E-4]
["RUB",92.619200000000006,56.341720000000002,57.157429999999998,77.788849999999996,84.094200000000001,95.658600000000007,103.3631,99.137200000000007,-0.21534146617011585,4.2626783891415082E-2]
["UAH",32.585599999999999,30.7776,35.561100000000003,38.951000000000001,39.781199999999998,40.000599999999999,38.554299999999998,42.207900000000002,-7.7163279859931475E-2,-8.656199431859922E-2]
["USD",1.1101000000000001,1.0387,0.9748,1.0666,1.0874999999999999,1.0866,1.0593999999999999,1.105,-3.4751131221719446E-2,-4.1266968325791929E-2]
[]
[]
["Rates in units per € - average","1/1-31/3/2022","1/1-30/6/2022","1/1-30/9/2022","1/1-31/12/2022","1/1-31/3/2023","1/1-30/6/2023","1/1-30/9/2023","1/1-31/12/2023","YoY Re-/\nDevaluation"]
["ALL",121.15,120.79714285714286,119.61499999999998,118.86999999999998,114.75749999999999,112.32571,110.399,108.87231,9.1829501918347989E-2]
["BAM",1.95583,1.9558300000000002,1.95583,1.9558299999999997,1.95583,1.95583,1.95583,1.95583,-1.1352960376159038E-16]
["BGN",1.95583,1.9558300000000002,1.95583,1.9558299999999997,1.9558299999999997,1.9558299999999997,1.9558299999999997,1.9558299999999997,0]
["BYN",3.0451999999999995,2.9028285714285711,2.7940899999999997,2.7554461538461537,2.9669249999999998,3.0750299999999999,3.18092,3.2419699999999998,-0.15007043438213374]
["CZK",24.650500000000001,24.665714285714284,24.636900000000001,24.562384615384612,23.724250000000001,23.697430000000001,23.819299999999998,23.98208,2.4197426386060449E-2]
["HRK",7.5460999999999991,7.5461142857142844,7.53796,7.5380076923076924,"–","–","–","–","–"]
["HUF",366.46749999999997,376.83142857142855,386.76,391.27076923076919,387.24,380.78856999999999,382.20800000000003,382.13538,2.3906159201404466E-2]
["PLN",4.6306750000000001,4.6388000000000007,4.6785699999999997,4.6798846153846148,4.6930750000000003,4.6184900000000004,4.5831999999999997,4.5354599999999996,3.1843432724489945E-2]
["RON",4.9478,4.9466142857142854,4.9369099999999992,4.9351846153846148,4.9348749999999999,4.9432299999999998,4.9452999999999996,4.9512499999999999,-3.2447128735945655E-3]
["RSD",117.64435,117.59654285714284,117.52271999999998,117.47580769230768,117.32465000000001,117.29644,117.27099,117.25147,1.9133038784732096E-3]
["RUB",95.032225000000011,79.982345714285728,74.170289999999994,72.643507692307693,79.516762,84.205789999999993,89.89,91.769630000000006,-0.20841450823864399]
["UAH",32.106324999999998,31.627557142857142,33.060690000000008,34.146292307692313,39.304850000000002,39.549469999999999,39.544930000000001,39.705979999999997,-0.14002141975359086]
["USD",1.1195499999999998,1.0917428571428569,1.06368,1.0563384615384614,1.0748249999999999,1.0789,1.0800799999999999,1.0815999999999999,-2.3355712335002263E-2]

{"sheet":"Financial position","index":4,"n_rows":63,"n_cols":24,"rows_kept":63,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,21,3,21],[0,0,0,1],[62,0,62,4],[52,0,52,4]]}
["Statement of financial position",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,null,null,null,"Archive"]
[]
[]
[]
["Assets\n€ million","31/12\n2023","31/12\n2022","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2023","30/9\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2023","30/9\n2023","30/6\n2023","31/3\n2023","31/12\n2022","30/9\n20221","30/6\n20221","31/3\n2022",null,null,"31/12\n2022","31/12\n2021"]
[]
["Cash, cash balances at central banks and other demand deposits",43234.419903643,53682.936388249,-10448.516484606,-0.19463384806374229,null,43234.419903643,45286.109215916003,-2051.6893122730035,-4.5305047128047948E-2,null,null,43234.419903643,45286.109215916003,48383.071239514997,51510.506816537003,53682.936388249,55987.931301811994,53550.794302472001,40121.030949316002,null,null,53682.936388249,38557.371055757001]
["Financial assets - amortized cost",139302.41842073199,137430.62784119701,1871.7905795349798,1.3619893970781005E-2,null,139302.41842073199,142024.265541706,-2721.8471209740092,-1.9164662535605448E-2,null,null,139302.41842073199,142024.265541706,141359.46430041699,143058.203927405,137430.62784119701,144617.01828314323,141730.728089893,131055.103168766,null,null,137430.62784119701,132644.70412633999]
["Financial assets - fair value through other comprehensive income",2991.7570705610001,3202.5152670040002,-210.75819644300009,-6.5810208186819152E-2,null,2991.7570705610001,3002.8757298390001,-11.118659277999996,-3.7026704660189091E-3,null,null,2991.7570705610001,3002.8757298390001,2996.1504223420002,3060.0420579640004,3202.5152670040002,3537.6673743405418,3845.9125234749999,4246.3472314479995,null,null,3202.5152670040002,4659.7790745829998]
["Non-trading financial assets - mandatorily at fair value through profit/loss",949.17998286700004,756.66740990300002,192.51257296400001,0.25442165268975825,null,949.17998286700004,875.63035729299997,73.549625574000061,8.3996203376705436E-2,null,null,949.17998286700004,875.63035729299997,870.31824719700001,848.14256743800001,756.66740990300002,735.08534689699991,781.90066151100007,935.48024444299995,null,null,756.66740990300002,966.31868924699995]
["Financial assets - designated fair value through profit/loss",184.85920999999999,83.995509572999993,100.863700427,1.2008225313442495,null,184.85920999999999,183.701953,1.1572569999999871,6.2996445116725308E-3,null,null,184.85920999999999,183.701953,84.443584000000001,86.506285000000005,83.995509572999993,91.117939770999996,191.549448813,258.13325001100003,null,null,83.995509572999993,263.79119166200002]
["Financial assets - held for trading",5782.8852517189998,6410.6411865270002,-627.75593480800035,-9.792404792945375E-2,null,5782.8852517189998,7023.4595376300003,-1240.5742859110005,-0.17663293698273663,null,null,5782.8852517189998,7023.4595376300003,6664.1965044919998,6654.716393101,6410.6411865270002,9586.4845453969992,7513.5009683339995,5211.8449064320002,null,null,6410.6411865270002,4112.2457306030001]
["Hedge accounting",1160.0226458719999,1608.1915178239999,-448.16887195200002,-0.27867879352976888,null,1160.0226458719999,1461.0725111839999,-301.04986531200007,-0.20604717630888847,null,null,1160.0226458719999,1461.0725111839999,1465.3912396429998,1499.9893316099999,1608.1915178239999,1175.967306687,937.8245642280001,1024.40475614,null,null,1608.1915178239999,630.32375238700001]
["Fair value adjustments of the hedged items in portfolio hedge of interest rate risk",-365.42461439800002,-946.86304398300001,581.43842958499999,-0.61406814140635013,null,-365.42461439800002,-790.12924766100002,424.70463326300001,-0.5375128620035805,null,null,-365.42461439800002,-790.12924766100002,-771.20608315900006,-823.23395506899999,-946.86304398300001,-943.60038388999999,-957.96783476400003,-727.15599658600001,null,null,-946.86304398300001,-278.589113478]
["Investments in subsidiaries and associates",819.56442531200003,713.08891540299999,106.47550990900004,0.14931589540811441,null,819.56442531200003,817.98441125800002,1.5800140540000029,1.9315943338944486E-3,null,null,819.56442531200003,817.98441125800002,788.58082660000002,728.95842586800006,713.08891540299999,771.67545007199999,848.30955784100001,898.049290316,null,null,713.08891540299999,967.99815663699997]
["Tangible fixed assets",1671.5945298499998,1684.226796339,-12.632266489000131,-7.5003357721530328E-3,null,1671.5945298499998,1644.571406799,27.023123050999857,1.6431711593233755E-2,null,null,1671.5945298499998,1644.571406799,1665.2806020139999,1681.4781733499999,1684.226796339,1678.4680434820002,1718.841312191,1602.2590273559999,null,null,1684.226796339,1639.5842968429999]
["Intangible fixed assets",969.864252566,902.93672916399998,66.92752340200002,7.4122052232791669E-2,null,969.864252566,914.27493202199992,55.589320544000088,6.0801536383655819E-2,null,null,969.864252566,914.27493202199992,914.81468525299999,890.21274565299996,902.93672916399998,920.77975184800005,929.263021901,922.81467354100005,null,null,902.93672916399998,932.88429480599996]
["Current tax assets",69.038048383000003,100.22871534800001,-31.190666965000005,-0.31119491910780428,null,69.038048383000003,89.879589205000002,-20.841540821999999,-0.23188291141900974,null,null,69.038048383000003,89.879589205000002,87.202719963999996,104.640406283,100.22871534800001,89.861161459999991,79.677228151999998,83.684836396999998,null,null,100.22871534800001,73.443340290000009]
["Deferred tax assets",217.64607418099999,268.99863363700001,-51.352559456000023,-0.19090267768905356,null,217.64607418099999,243.476036803,-25.829962622000011,-0.10608831555320331,null,null,217.64607418099999,243.476036803,307.08085347500003,328.03941514299999,268.99863363700001,327.24968164699999,149.377052736,161.16637072699999,null,null,268.99863363700001,151.825307963]
["Other assets",1252.8837565139997,1159.260909499,93.622847014999707,8.0760807379816502E-2,null,1252.8837565139997,1397.4365297950001,-144.55277328100033,-0.10344138728233032,null,null,1252.8837565139997,1397.4365297950001,1308.3887690929998,1348.5933849849998,1159.260909499,1261.274136241,2871.995932712,6831.1117590049998,null,null,1159.260909499,6778.8244013459998]
["Total assets",198240.70895780198,207057.45277568398,-8816.7438178820012,-4.2581146921736868E-2,null,198240.70895780198,204174.60850478901,-5933.8995469870279,-2.9062867270529646E-2,null,null,198240.70895780198,204174.60850478901,206123.17791084599,210976.795975268,207057.45277568398,219836.97993890778,214191.706829495,192624.274467312,null,null,207057.45277568398,192100.50430498598]
[null,null,null,null,null,null,null,null,null,null,null,null,"1 Adaptation of previous year's figures due to IAS 8 adjustment","1 Adaptation of previous year's figures due to IAS 8 adjustment"]
[]
[]
[]
["Liabilities and equity\n€ million","31/12\n2023","31/12\n2022","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2023","30/9\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2023","30/9\n2023","30/6\n2023","31/3\n2023","31/12\n2022","30/9\n20221","30/6\n20221","31/3\n2022",null,null,"31/12\n2022","31/12\n2021"]
[]
["Financial liabilities - amortized cost",164710.74544097402,175142.09265249403,-10431.347211520013,-5.9559338669186945E-2,null,164710.74544097402,169888.32322572602,-5177.5777847520076,-3.0476360508148059E-2,null,null,164710.74544097402,169888.32322572602,173048.63247094097,177971.21056700399,175142.09265249403,184788.96798917101,182054.02730465698,160571.81097423399,null,null,175142.09265249403,161700.40406995302]
["Financial liabilities - designated  fair value through profit/loss",1088.3519049189999,950.09682044400006,138.25508447499988,0.14551683733705212,null,1088.3519049189999,1200.0355015810001,-111.68359666200013,-9.30669105329478E-2,null,null,1088.3519049189999,1200.0355015810001,1131.5711161459999,1035.69790364,950.09682044400006,1031.804016455,1163.9344028089999,1212.3864963800002,null,null,950.09682044400006,1322.752162731]
["Financial liabilities - held for trading",8463.1574597180006,8453.0249145550006,10.132545163000032,1.1986886665331653E-3,null,8463.1574597180006,8862.3783606569996,-399.22090093899897,-4.504670018505097E-2,null,null,8463.1574597180006,8862.3783606569996,8557.1334932200007,8570.6362123830004,8453.0249145550006,10083.093844257999,8355.0739143150004,6644.5910025640005,null,null,8453.0249145550006,5873.3723458430004]
["Hedge accounting",1465.7329459790001,2053.8718191029998,-588.1388731239997,-0.28635617259740254,null,1465.7329459790001,1653.380998527,-187.6480525479999,-0.11349353398592088,null,null,1465.7329459790001,1653.380998527,1770.639596346,1907.6965001029998,2053.8718191029998,2451.9502325100002,1916.3927506049999,1306.200464557,null,null,2053.8718191029998,827.66969908999999]
["Fair value adjustments of the hedged items in portfolio hedge of interest rate risk",-514.01201574699996,-1217.0687630099999,703.05674726299992,-0.57766394852188263,null,-514.01201574699996,-941.45444636899992,427.44243062199996,-0.45402348703175099,null,null,-514.01201574699996,-941.45444636899992,-966.85908275999998,-1062.9211191950001,-1217.0687630099999,-1146.256684145,-1041.3421627120001,-804.731198898,null,null,-1217.0687630099999,-536.005606898]
["Provisions for liabilities and charges",1644.4312552040001,1478.787754537,165.64350066700013,0.11201303240360017,null,1644.4312552040001,1531.3792466540001,113.05200854999998,7.3823651977140248E-2,null,null,1644.4312552040001,1531.3792466540001,1557.910315542,1427.179679161,1478.787754537,1164.9408963110002,1158.9573694999999,1496.2055585109999,null,null,1478.787754537,1390.13012254]
["Current tax liabilities",242.03460824000001,181.46074657400001,60.573861665999999,0.3338124790603012,null,242.03460824000001,186.951523401,55.083084839000009,0.29463833103328096,null,null,242.03460824000001,186.951523401,144.01994926699999,195.51704904300001,181.46074657400001,151.89127402900002,125.470452627,98.701301525999995,null,null,181.46074657400001,86.865453591999994]
["Deferred tax liabilities",42.607549687000002,35.683137117999998,6.9244125690000047,0.19405279715462731,null,42.607549687000002,34.576665712,8.0308839750000018,0.23226311183072945,null,null,42.607549687000002,34.576665712,34.819046568000005,27.175252776000001,35.683137117999998,43.282891778999996,51.703793083999997,33.942495848999997,null,null,35.683137117999998,45.571150005]
["Other liabilities",1248.2550761879982,1215.174579046,33.080497141998194,2.7222835066191609E-2,null,1248.2550761879982,1907.5421381369979,-659.28706194899974,-0.3456212309904162,null,null,1248.2550761879982,1907.5421381369979,1516.3794583710001,1679.4670463009979,1215.174579046,1879.431799882,2359.6963994409998,6252.8029118680006,null,null,1215.174579046,5914.7370332850005]
["Equity",19849.404732792002,18764.329115375,1085.0756174170019,5.7826507451733011E-2,null,19849.404732792002,19851.495290935003,-2.0905581430015445,-1.0530985763856915E-4,null,null,19849.404732792002,19851.495290935003,19328.931547707001,19225.136884203999,18764.329115375,19387.873678499778,18047.792606291001,15812.364460563,null,null,18764.329115375,15475.007876037002]
["   Consolidated equity",14623.404459403,12400.650245923998,2222.7542134790019,0.17924497259404637,null,14623.404459403,14877.827587497002,-254.4231280940021,-1.7100825143841147E-2,null,null,14623.404459403,14877.827587497002,15290.459423887998,15802.551111253997,12400.650245923998,13898.648547005778,13705.851912997003,12744.52701905,null,null,12400.650245923998,11470.726437057003]
["   Consolidated profit/loss",2385.8307328229998,3626.6172896939997,-1240.7865568709999,-0.34213330433211853,null,2385.8307328229998,2113.7058629549997,272.12486986800013,0.12874301700973878,null,null,2385.8307328229998,2113.7058629549997,1234.7304754449999,657.06906071300011,3626.6172896939997,2800.8859316970002,1711.8671817300001,441.75871671600004,null,null,3626.6172896939997,1372.2656007759999]
["Non-controlling interests",1230.5654455659999,1126.858066757,103.70737880899992,9.2032334744215571E-2,null,1230.5654455659999,1252.7410924830001,-22.175646917000222,-1.7701699936294779E-2,null,null,1230.5654455659999,1252.7410924830001,1196.5201993740002,1159.2899792369999,1126.858066757,1077.340508797,1019.473720564,1016.870928797,null,null,1126.858066757,1010.285565204]
["Additional tier 1 capital (AT1)",1609.6040949999999,1610.2035129999999,-0.59941800000001422,-3.7226226073949764E-4,null,1609.6040949999999,1607.220748,2.3833469999999579,1.4828995973115155E-3,null,null,1609.6040949999999,1607.220748,1607.2214489999999,1606.226733,1610.2035129999999,1610.998691,1610.5997910000001,1609.2077959999999,null,null,1610.2035129999999,1621.7302729999999]
["Total liabilities and equity",198240.70895795399,207057.45277623599,-8816.7438182820042,-4.2581146923555191E-2,null,198240.70895795399,204174.60850496101,-5933.8995470070222,-2.9062867270603032E-2,null,null,198240.70895795399,204174.60850496101,206123.177911348,210976.79597542001,207057.45277623599,219836.97993874978,214191.706830618,192624.274467154,null,null,207057.45277623599,192100.50430617799]
[null,null,null,null,null,null,null,null,null,null,null,null,"1 Adaptation of previous year's figures due to IAS 8 adjustment","1 Adaptation of previous year's figures due to IAS 8 adjustment"]
[]
[]
[]
["Assets\n€ million","31/12\n2023","31/12\n2022","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2023","30/9\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2023","30/9\n2023","30/6\n2023","31/3\n2023","31/12\n2022","30/9\n20221","30/6\n20221","31/3\n2022",null,null,"31/12\n2022","31/12\n2021"]
["Loans to banks",14713.554447847,15716.063127996,-1002.5086801489997,-6.3788791886637886E-2,null,14713.554447847,15716.367182980001,-1002.8127351330004,-6.3806904194691594E-2,null,null,14713.554447847,15716.367182980001,17358.030530929995,17441.628122146998,15716.063127996,17698.564262044998,17000.084958654996,13313.952994257003,null,null,15716.063127996,16630.377112845999]
["Loans to customers",99433.67146629699,103229.55978736801,-3795.8883210710192,-3.6771331088592984E-2,null,99433.67146629699,101931.40648544299,-2497.7350191459991,-2.4504076861754154E-2,null,null,99433.67146629699,101931.40648544299,101806.072584917,105335.669605535,103229.55978736801,109065.65738708399,107700.094741034,101966.34435915701,null,null,103229.55978736801,100831.60596026901]
["Securities",31107.665854618001,23710.636970475003,7397.0288841429974,0.31197090543598383,null,31107.665854618001,30802.540228115002,305.12562650299878,9.9058592000309531E-3,null,null,31107.665854618001,30802.540228115002,28235.811844222997,26280.654289275,23710.636970475003,23884.923423723776,23512.072897872986,22831.425820069999,null,null,23710.636970475003,22902.041087783004]
["Cash and other assets",52985.817189040004,64401.192889845006,-11415.375700805002,-0.17725410335691183,null,52985.817189040004,55724.294608250995,-2738.4774192109908,-4.9143330363584536E-2,null,null,52985.817189040004,55724.294608250995,58723.262950775992,61918.843958310994,64401.192889845006,69187.834866054982,65979.454231933007,54512.551293827986,null,null,64401.192889845006,51736.480144087996]
["Total assets",198240.70895780198,207057.45277568398,-8816.7438178820012,-4.2581146921736868E-2,null,198240.70895780198,204174.60850478901,-5933.8995469870279,-2.9062867270529646E-2,null,null,198240.70895780198,204174.60850478901,206123.17791084599,210976.795975268,207057.45277568398,219836.97993890778,214191.706829495,192624.274467312,null,null,207057.45277568398,192100.50430498598]
[null,null,null,null,null,null,null,null,null,null,null,null,"1 Adaptation of previous year's figures due to IAS 8 adjustment","1 Adaptation of previous year's figures due to IAS 8 adjustment"]
[]
[]
[]
["Liabilities and equity\n€ million","31/12\n2023","31/12\n2022","YTD Change\nabsolute","YTD Change\nin percent",null,"31/12\n2023","30/9\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"31/12\n2023","30/9\n2023","30/6\n2023","31/3\n2023","31/12\n2022","30/9\n20221","30/6\n20221","31/3\n2022",null,null,"31/12\n2022","31/12\n2021"]
["Deposits from banks",26144.213070256003,33640.704597143005,-7496.4915268870027,-0.22283990827955658,null,26144.213070256003,29298.213365797001,-3154.0002955409982,-0.10765162558420738,null,null,26144.213070256003,29298.213365797001,33680.771025820002,35004.738898334006,33640.704597143005,40769.316411861,37292.656758979996,34574.959125155998,null,null,33640.704597143005,34607.468382239]
["Deposits from customers",119353.248782047,125098.89412249801,-5745.6453404510103,-4.5928825996054079E-2,null,119353.248782047,121233.02379118801,-1879.7750091410126,-1.5505469964840146E-2,null,null,119353.248782047,121233.02379118801,120552.79395435101,124775.798748983,125098.89412249801,129786.482079197,131283.38009818201,113651.715155881,null,null,125098.89412249801,115153.256676405]
["Debt issued and other liabilities",32893.842372858002,29553.524941219002,3340.3174316389996,0.11302602441782428,null,32893.842372858002,33791.876057043999,-898.03368418599712,-2.6575431404578631E-2,null,null,32893.842372858002,33791.876057043999,32560.681383469004,31971.121443899996,29553.524941219002,29893.30776919,27567.877367164008,28585.235725553001,null,null,29553.524941219002,26864.771371494997]
["Equity",19849.404732792002,18764.329115375,1085.0756174170019,5.7826507451733011E-2,null,19849.404732792002,19851.495290935003,-2.0905581430015445,-1.0530985763856915E-4,null,null,19849.404732792002,19851.495290935003,19328.931547707001,19225.136884203999,18764.329115375,19387.873678499778,18047.792606291001,15812.364460563,null,null,18764.329115375,15475.007876037002]
["Total liabilities and equity",198240.70895795399,207057.45277623599,-8816.7438182820042,-4.2581146923555191E-2,null,198240.70895795399,204174.60850496101,-5933.8995470070222,-2.9062867270603032E-2,null,null,198240.70895795399,204174.60850496101,206123.177911348,210976.79597542001,207057.45277623599,219836.97993874978,214191.706830618,192624.274467154,null,null,207057.45277623599,192100.50430617799]
[null,null,null,null,null,null,null,null,null,null,null,null,"1 Adaptation of previous year's figures due to IAS 8 adjustment","1 Adaptation of previous year's figures due to IAS 8 adjustment"]

{"sheet":"Income statement","index":5,"n_rows":38,"n_cols":21,"rows_kept":38,"cut":false,"hidden":false,"merged":[[0,11,4,11],[0,18,4,18]]}
["Income statement",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
[]
[" \n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",5683.2672110989997,5052.6731100610004,630.59410103799928,0.12480405664525285,null,1493.5252694940004,1441.0466304239997,52.478639070000781,3.6417030484683144E-2,null,null,1493.5252694940004,1441.0466304239997,1363.964282464,1384.7310287170001,1461.6098669739999,null,null,5052.6731100610004,3327.4462372170001]
["Dividend income",35.492593628000002,64.303165204999999,-28.810571576999997,-0.44804282161152131,null,8.2557610879999999,10.06018596,-1.8044248720000002,-0.17936297392260137,null,null,8.2557610879999999,10.06018596,6.59527603,10.581370550000001,24.108585193,null,null,64.303165204999999,41.872089155000005]
["Current income from investments in associates",84.540628385000005,63.794424165999999,20.746204219000006,0.32520403609281168,null,13.171961202,20.640731829,-7.4687706269999996,-0.36184621208568102,null,null,13.171961202,20.640731829,20.855980918,29.871954435999999,8.4232429839999998,null,null,63.794424165999999,45.742926173000001]
["Net fee and commission income",3041.5229633919998,3878.2539302589998,-836.73096686700001,-0.21574940215715088,null,677.10745488900011,666.74880850599993,10.358646383000178,1.5536055334258503E-2,null,null,677.10745488900011,666.74880850599993,731.98115042099994,965.68554957599997,1196.2929433720001,null,null,3878.2539302589998,1984.7956820459999]
["Net trading income and fair value result",186.00134206700005,662.93539472700013,-476.93405266000008,-0.71942764929062775,null,-19.086331883999975,88.831170272000008,-107.91750215599998,"–",null,null,-19.086331883999975,88.831170272000008,29.893227495000019,86.363276183999986,191.51929175800001,null,null,662.93539472700013,52.875503169000012]
["Net gains/losses from hedge accounting",-27.696867749000003,-40.938618340000005,13.241750591000002,-0.32345377367222605,null,-16.062961271999999,5.4240096100000006,-21.486970882000001,"–",null,null,-16.062961271999999,5.4240096100000006,-7.4321354340000001,-9.6257806530000014,-20.262949264,null,null,-40.938618340000005,-2.1408409550000003]
["Other net operating income ",62.324199806999935,28.968010542999991,33.356189263999944,1.1514836068733874,null,4.887613276999959,14.713859631999993,-9.8262463550000341,-0.66782248850802683,null,null,4.887613276999959,14.713859631999993,51.438625965999996,-8.7158990679999917,-1.1846213119999618,null,null,28.968010542999991,119.794304528]
["Operating income",9065.4520706289986,9709.9894166209997,-644.53734599200106,-6.6378789753232859E-2,null,2161.7987667940006,2247.4653962330003,-85.666629438999735,-3.8116995964692646E-2,null,null,2161.7987667940006,2247.4653962330003,2197.2964078600003,2458.8914997419997,2860.5063597050002,null,null,9709.9894166209997,5570.3859013329993]
["Staff expenses",-2208.5631273860004,-2009.6434383540002,-198.91968903200018,9.8982578319926073E-2,null,-548.42144224100002,-491.47277892,-56.948663321000026,0.11587348427748823,null,null,-548.42144224100002,-491.47277892,-606.49106448800001,-562.17784173699999,-577.65995577900003,null,null,-2009.6434383540002,-1578.967440507]
["Other administrative expenses",-1224.2927517339999,-1081.4272950599998,-142.86545667400014,0.13210824003297761,null,-353.61389999599999,-271.09876496599998,-82.51513503000001,0.30437296547753978,null,null,-353.61389999599999,-271.09876496599998,-323.00475370000004,-276.57533307199998,-277.65790713300004,null,null,-1081.4272950599998,-992.21547917400005]
["Depreciation",-474.96917037100002,-461.26482691699999,-13.704343454000025,2.9710358679626792E-2,null,-132.20089081999998,-115.67999145,-16.520899369999981,0.14281553069737862,null,null,-132.20089081999998,-115.67999145,-115.67866213799999,-111.409625963,-122.923551585,null,null,-461.26482691699999,-406.97124536699999]
["General administrative expenses",-3907.8250494910003,-3552.3355603310001,-355.48948916000018,0.10007204643890022,null,-1034.2362330569999,-878.25153533599996,-155.98469772099997,0.17760822662419096,null,null,-1034.2362330569999,-878.25153533599996,-1045.1744803259999,-950.16280077199997,-978.24141449700005,null,null,-3552.3355603310001,-2978.1541650480003]
["Operating result",5157.6270211379979,6157.6538562899996,-1000.0268351520017,-0.16240387304825221,null,1127.5625337370006,1369.2138608970004,-241.65132715999971,-0.1764891037559968,null,null,1127.5625337370006,1369.2138608970004,1152.1219275340004,1508.7286989699996,1882.2649452080002,null,null,6157.6538562899996,2592.231736284999]
["Other result",-905.640290091,-667.42425428299998,-238.21603580800002,0.35691845820603341,null,-316.86707618600002,-138.47304931400001,-178.39402687200001,1.2882942042207479,null,null,-316.86707618600002,-138.47304931400001,-354.26874891800003,-96.031415672999998,-441.96790452900001,null,null,-667.42425428299998,-295.072210713]
["Governmental measures and compulsory contributions",-283.62043062999999,-337.47755077900001,53.857120149000025,-0.15958726743358642,null,-24.275311970000001,-22.107950004999996,-2.1673619650000049,9.8035410995132022E-2,null,null,-24.275311970000001,-22.107950004999996,-1.6995138980000037,-235.53765475700001,-52.408544773999999,null,null,-337.47755077900001,-212.83798596700001]
["Impairment losses on financial assets ",-392.829710917,-949.40626737900004,556.5765564620001,-0.58623644648831497,null,-141.85019995100001,7.7262353590000004,-149.57643531000002,"–",null,null,-141.85019995100001,7.7262353590000004,41.896772194000008,-300.602518519,-228.06829850899999,null,null,-949.40626737900004,-294.63473398299999]
["Profit/loss before tax ",3575.5365895,4203.3457838490003,-627.80919434900034,-0.14935939764016182,null,644.56994563000001,1216.359096937,-571.789151307,-0.47008252147483642,null,null,644.56994563000001,1216.359096937,838.0504369119999,876.55711002099997,1159.8201973959999,null,null,4203.3457838490003,1789.6868056220001]
["Income taxes",-997.29406106400006,-859.15524318600001,-138.13881787800005,0.16078446703734328,null,-340.71682012999997,-268.91997983700003,-71.796840292999946,0.26698217193277363,null,null,-340.71682012999997,-268.91997983700003,-211.45379005300001,-176.203471044,-270.14998161900002,null,null,-859.15524318600001,-367.80584200499999]
["Profit/loss after tax from continuing operations",2578.2425284359997,3344.1905406630003,-765.94801222700062,-0.22903838848702329,null,303.85312549999998,947.43911709999998,-643.58599159999994,-0.67929007783628492,null,null,303.85312549999998,947.43911709999998,626.59664685899997,700.35363897699995,889.67021577699995,null,null,3344.1905406630003,1421.8809636170001]
["Gains/losses from discontinued operations",0,452.90588732099997,-452.90588732099997,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,452.90588732099997,85.735823154000002]
["Profit/loss after tax ",2578.2425284359997,3797.096427984,-1218.8538995480003,-0.32099629879432079,null,303.85312549999998,947.43911709999998,-643.58599159999994,-0.67929007783628492,null,null,303.85312549999998,947.43911709999998,626.59664685899997,700.35363897699995,889.67021577699995,null,null,3797.096427984,1507.6167867709999]
["Profit attributable to non-controlling interests",-192.41179561300001,-170.47913828999998,-21.932657323000029,0.12865302783083443,null,-31.728255632,-68.46372959,36.735473958,-0.53656840166308561,null,null,-31.728255632,-68.46372959,-48.935232126999999,-43.284578263999997,-63.938857779999999,null,null,-170.47913828999998,-135.35118599500001]
["Consolidated profit/loss",2385.8307328229998,3626.6172896939997,-1240.7865568709999,-0.34213330433211853,null,272.12486986799996,878.97538751000002,-606.85051764200011,-0.69040672385732305,null,null,272.12486986799996,878.97538751000002,577.66141473200003,657.06906071300011,825.73135799700003,null,null,3626.6172896939997,1372.2656007759999]
[]
[]
[]
[null,"1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Cost/income ratio",0.431067862809831,0.36584340187336528,6.5224460936465718,0.17828519143019239,null,0.47841466511279285,0.39077421917509669,8.764044593769615,0.22427386873857857,null,null,0.47841466511279285,0.39077421917509669,0.47566385517551574,0.38641916525055942,0.34198190511902399,null,null,0.36584340187336528,0.53464054695659846]
["Provisioning ratio (avg. loans and advances to customers)",3.3582842889349003E-3,7.2970210469413066E-3,-0.39387367580064059,-0.53977324892839751,null,6.0514259374211928E-3,2.7441691894446186E-5,0.60239842455267467,">500,0%",null,null,6.0514259374211928E-3,2.7441691894446186E-5,-1.9270413646757455E-3,9.2946714913304859E-3,8.9804493075571392E-3,null,null,7.2970210469413066E-3,3.039356563146529E-3]
["Return on equity before tax",0.19763071824786121,0.26626779740364853,-6.8637079155787317,-0.25777461572544946,null,0.146958026402914,0.27445913140852835,-12.750110500561435,-0.46455406439303648,null,null,0.146958026402914,0.27445913140852835,0.18305191935853021,0.18709406428796674,0.29191838086484462,null,null,0.26626779740364853,0.12591970480966569]
["Consolidated return on equity",0.14804904813271796,0.2678764537376408,-11.982740560492283,-0.44732339827927636,null,6.6097888265392812E-2,0.22664052863506692,-16.05426403696741,-0.70835803876974446,null,null,6.6097888265392812E-2,0.22664052863506692,0.1411127448433423,0.15751797516671523,0.24122712700768459,null,null,0.2678764537376408,0.10901655391408527]
["Earnings per share ",6.9328794593485918,10.755548404176615,-3.8226689448280231,-0.35541367126790091,null,0.74750193435412537,2.5915846218634968,-1.8440826875093714,-0.71156568531548503,null,null,0.74750193435412537,2.5915846218634968,1.6751517345758538,1.9186411685551159,2.4445503615050743,null,null,10.755548404176615,3.8949642793157246]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 Adaptation of prior quarters‘ figures due to changed allocation (IFRS 5 discontinued operations). "]

{"sheet":"Equity","index":6,"n_rows":54,"n_cols":9,"rows_kept":54,"cut":false,"hidden":false,"merged":[[0,0,0,3],[32,2,32,6],[38,0,38,2]]}
["Statement of changes in equity \nand comprehensive income"]
[]
["€ million","Subscribed capital","Capital reserves","Retained earnings","Cumulative other comprehensive income","Consolidated equity","Non-controlling interests","Additional\n tier 1","Total"]
["Equity as at 1/1/2021",1002.283122,4991.7966663400002,9234.4138461940001,-3393.5801192479998,11834.913515286002,820.47028086399996,1632.6607779999999,14288.044574149999]
["Capital increases",0,0,0,0,0,49.373558004000003,0,49.373558004000003]
["AT1 capital dividend allotment",0,0,-92.3125,0,-92.3125,0,92.3125,0]
["Dividend payments",0,0,-404.19942400000002,0,-404.19942400000002,-39.273690205999998,-92.3125,-535.78561420599999]
["Own shares",0,0,0,0,0,0,-10.930505,-10.930505]
["Other changes",0,0,11.067359988001044,3.7768992000110302E-2,11.105128980001155,15.264627630000064,0,26.369756610001218]
["Total comprehensive income",0,0,1372.2656007759999,121.21971679099998,1493.4853175669998,164.45078891200001,0,1657.9361064789998]
["Equity as at 31/12/2021",1002.283122,4991.7966663400002,10121.234882958001,-3272.3226334649999,12842.992037833001,1010.285565204,1621.7302729999999,15475.007876037002]
["Equity as at 1/1/2022",1002.283122,4991.7966663400002,10121.234882958001,-3272.3226334649999,12842.992037833001,1010.285565204,1621.7302729999999,15475.007876037002]
["Capital increases",0,0,0,0,0,-4.3805800000000001E-4,0,-4.3805800000000001E-4]
["AT1 capital dividend allotment",0,0,-92.3125,0,-92.3125,0,92.3125,0]
["Dividend payments",0,0,0,0,0,-26.287808655999999,-92.3125,-118.600308656]
["Own shares",-0.57415099999999997,-2.2875470000000009,0,0,-2.861698000000001,0,-11.526759999999999,-14.388458]
["Other changes",0,0,-18.691581575003511,3.5616181440000219,-15.129963431003489,-3.9409316660000968,0,-19.070895097003586]
["Total comprehensive income",0,0,3626.6172896939997,-332.03763047899997,3294.579659215,146.80167993399999,0,3441.3813391489998]
["Equity as at 31/12/2022",1001.708971,4989.5091193400003,13636.848091076998,-3600.7986457999996,16027.267535616997,1126.8580667579999,1610.2035129999999,18764.329115375]
["Impact of adopting IFRS 17",0,0,-46.936023993421003,49.781682999999994,2.8456590065789911,-0.44167198557899429,0,2.4039870209999967]
["Equity as at 1/1/2023",1001.708971,4989.5091193400003,13589.912067083576,-3551.0169627999994,16030.113194623576,1126.416394772421,1610.2035129999999,18766.733102396]
["Capital increases",0,0,0,0,0,-8.4599999999999993E-7,0,-8.4599999999999993E-7]
["AT1 capital dividend allotment",0,0,-108.7835,0,-108.7835,0,108.7835,0]
["Dividend payments",0,0,-262.81453399999998,0,-262.81453399999998,-56.885265316000002,-108.7835,-428.483299316]
["Own shares",-0.19363900000000012,-1.1591580000000192,0,0,-1.3527970000000193,0,-0.59941800000000001,-1.9522150000000194]
["Other changes",0,0,-4.6123033385811141,1.3300012113859339E-7,-4.6123032055809929,-0.45661702242114188,0,-5.0689202280021348]
["Total comprehensive income",0,0,2385.8307328229998,-1029.1456010159995,1356.6851318070003,161.490933979,0,1518.1760657860002]
["Equity as at 31/12/2023",1001.5153320000001,4988.3499613399999,15599.532462567997,-4580.1625636829995,17009.235192224998,1230.5654455669999,1609.6040949999999,19849.404732791994]
[]
[]
[]
["Comprehensive income"]
[]
["€ million",null,null,"1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent"]
["Profit/loss after tax",null,null,2578.2425284359997,3797.0964279839995,-1218.8538995479998,-0.32099629879432068]
["Items which are not reclassified to profit or loss",null,null,-0.35947299799999299,52.888846690000001,-53.248319687999995,"–"]
["Remeasurements of defined benefit plans",null,null,-2.3717784419999992,34.058969703000002,-36.430748145000003,"–"]
["Fair value changes of equity instruments ",null,null,-1.0662256069999938,-59.479227373000008,58.413001766000015,-0.98207398357222109]
["Fair value changes due to changes in credit risk of financial liabilities ",null,null,5.7355408360000002,60.724850563000004,-54.989309727000006,-0.9055487039848773]
["Share of other comprehensive income from companies valued at equity",null,null,-2.1155900000000001,25.002196469999998,-27.117786469999999,"–"]
["Other items",null,null,0,0,0,"–"]
["Deferred taxes on items which are not reclassified to profit or loss",null,null,-0.54141978499999999,-7.4179426730000007,6.8765228880000002,-0.92701213680571137]
["Items that may be reclassified subsequently to profit or loss",null,null,-1059.7069896519997,-408.603935525,-651.10305412699972,1.5934820923602255]
["Exchange differences",null,null,-1167.9392501389996,-44.748559448000002,-1123.1906906909996,">500,0%"]
["Hedge of net investments in foreign operations",null,null,36.963593000000003,-39.158970000000011,76.122563000000014,"–"]
["Adaptions to the cash flow hedge reserve",null,null,4.5831922330000054,-45.137519999000006,49.720712232000011,"–"]
["Fair value changes of financial assets ",null,null,71.663255943999999,-110.497595937,182.16085188099999,"–"]
["Share of other comprehensive income from companies valued at equity",null,null,6.2994230000000044,-201.87758943,208.17701242999999,"–"]
["Other items",null,null,0,0,0,"–"]
["Deferred taxes on items which may be reclassified to profit or loss",null,null,-11.277203689999999,32.816299289,-44.093502979,"–"]
["Other comprehensive income",null,null,-1060.0664626499995,-355.71508883499996,-704.35137381499953,1.9800997931288657]
["Total comprehensive income",null,null,1518.1760657860002,3441.3813391489998,-1923.2052733629996,-0.55884689426443468]
["Profit attributable to non-controlling interests",null,null,-161.490933979,-146.80167993399999,-14.689254045000013,0.1000618933761801]
["Profit/loss attributable to owners of the parent",null,null,1356.6851318070003,3294.579659215,-1937.8945274079997,-0.58820691191596264]

{"sheet":"Segment overview","index":7,"n_rows":112,"n_cols":8,"rows_kept":112,"cut":false,"hidden":false,"merged":[[2,0,2,2],[87,0,87,3]]}
["Segment overview"]
[]
[]
["1/1-31/12/2023\n€ million","Central \nEurope","Southeastern \nEurope","Eastern \nEurope","Group Corporates & Markets","Corporate \nCenter","Reconciliation","Total"]
["Net interest income",1590.3057798690008,1296.353337628,1915.2020867599999,967.15701235300003,-95.770845299000001,10.019839787997771,5683.2672110989988]
["Dividend income",12.365711218,4.0747504499999998,0.17982396,4.6929399999999992,758.40637908000008,-744.22701108000012,35.492593627999995]
["Current income from investments in associates",4.6017855000000001,0,2.828322097,14.344986789,62.765532998999994,1.0000000074796844E-6,84.540628385000005]
["Net fee and commission income",578.39419826999995,456.42765381999999,1363.9687581129999,578.44057928299992,71.115300530000013,-6.8235266240001655,3041.5229633919998]
["Net trading income and fair value result",-16.148794208000005,30.533953219000001,192.35673763400001,162.94816174000002,-201.69035880800001,18.001642490000076,186.00134206700005]
["Net gains/losses from hedge accounting",-8.0537059689999992,0.44452754800000005,-2.1433849949999999,-5.4872709999999998,-6.4475870000000004,-6.0094463330000005,-27.696867749000003]
["Other net operating income ",29.728598449999989,1.3436473119999872,-31.881356320000002,108.45448126100003,159.19982231999998,-204.52099321600008,62.324199806999893]
["Operating income",2191.1935731300009,1789.1778699769998,3440.5109872489998,1830.5508904259998,747.57824382199999,-933.55949397500274,9065.4520706289968]
["General administrative expenses",-1009.1667856050001,-752.41715797699999,-982.63673897699994,-882.08804929600001,-482.79247622000008,201.27615858399926,-3907.8250494910008]
["Operating result",1182.0267875250008,1036.7607119999998,2457.8742482719999,948.46284112999979,264.78576760199991,-732.2833353910047,5157.6270211379961]
["Other result",-887.30916721700021,-30.761891096000003,-9.7532229169999987,6.2948571389999994,18.552894999999999,-2.6637610000000569,-905.64029009100011]
["Governmental measures and compulsory contributions",-132.16580506899999,-39.017208767000007,-54.770347794000003,-44.429732000000001,-13.237337,0,-283.62043063000004]
["Impairment losses on financial assets ",-27.476733805999999,-6.2331548660000005,-190.714060072,-177.20955493599996,12.805135762999999,-4.0013430000000518,-392.829710917]
["Profit/loss before tax ",135.07508143299998,960.74845727100001,2202.6366174889999,733.11841133299993,282.90646136499998,-738.94843939099974,3575.5365895]
["Income taxes",-192.42810003099999,-155.028703957,-627.97054585299998,-171.90526450299998,155.03802428,-4.9994710000000779,-997.29406106400006]
["Profit/loss after tax from continuing operations",-57.353018597999998,805.71975331399995,1574.666071636,561.21314683000014,437.94448564499999,-743.94791039099982,2578.2425284360002]
["Gains/losses from discontinued operations",0,0,0,0,0,0,0]
["Profit/loss after tax ",-57.353018597999998,805.71975331399995,1574.666071636,561.21314683000014,437.94448564499999,-743.94791039099982,2578.2425284360002]
["Profit/loss after deduction of non-controlling interests",-127.7449058759251,-0.26523259733103705,-52.297337988727399,-12.705981237350001,-0.18434819999999999,0.78601028633356329,-192.41179561299998]
["Consolidated profit/loss",-185.09792447392508,805.45452071666887,1522.3687336472724,548.50716559265004,437.760137445,-743.16190010466642,2385.8307328229998]
[]
["Return on equity before tax",3.0551488822051533E-2,0.30848044882093806,0.56982710700126804,0.18967127679402446,"–","–",0.19763071824786121]
["Return on equity after tax","–",0.25870329454621194,0.40736969728411154,0.14519620905344868,"–","–",0.14250726008742706]
["Net interest margin (average interest-bearing assets)",2.4933338784447492E-2,4.2562889912046521E-2,6.8402150655150123E-2,1.5320541727936567E-2,"–","–",2.8697033041720381E-2]
["Cost/income ratio",0.46055574367328039,0.42053793007548906,0.28560778983667978,0.48187026862209953,"–","–",0.43106786280983123]
["Loan/deposit ratio",0.82332281025025889,0.68010678482631226,0.40779640107108733,1.7204295442931026,"–","–",0.83759602013486312]
["Provisioning ratio (avg. loans and advances to customers)",5.8007044509459163E-4,3.2983103174001951E-4,1.5740672644907253E-2,4.7494515093867698E-3,"–","–",3.3582842889349003E-3]
["NPE Ratio",1.2320887674304976E-2,1.8221581451431705E-2,2.064415594058381E-2,3.0274514144182706E-2,"–","–",1.8857477042754631E-2]
["NPE Coverage Ratio",0.58383478592795779,0.66577151297972759,0.73550813214604993,0.35587402474855701,"–","–",0.51669878841672778]
[]
["Assets",65005.563890022,34035.423810152999,27611.391692925998,60131.416208081995,36485.392408601001,-25028.479051982031,198240.70895780198]
["Total risk-weighted assets (RWA) ",24631.459516282612,16379.482922404053,20481.212807582422,25938.349548729628,17577.616019939818,-11344.395951554277,93663.724863384254]
["Equity",4320.716757180001,3819.06026522,5463.8684195039996,4508.5181983389994,8435.629222951,-6698.388130403001,19849.404732790998]
["Loans to customers",37595.769298496998,18593.721541588999,7967.1375733149998,35958.282001260995,989.37422700000002,-1670.6131753649936,99433.671466297004]
["Deposits from customers",47702.24614893899,26680.298635514002,20159.178762329997,28835.736299197004,766.02045310899996,-4790.2315170419888,119353.248782047]
[]
["Business outlets",339,667,490,23,"–","–",1519]
["Employees as at reporting date (full-time equivalents)",9778,12535,16885,3536,2153,"–",44887]
["Customers in million",3.9652859999999999,5.0215620000000003,7.1161580000000004,2.452798,4.9100000000000001E-4,"–",18.556294999999999]
[]
[]
[]
["1/1-31/12/2022\n€ million","Central \nEurope","Southeastern \nEurope","Eastern \nEurope","Group  Corporates & \nMarkets","Corporate \nCenter","Reconciliation","Total"]
["Net interest income",1341.1754918909999,943.41503816299996,2025.059823719,732.54745505799997,-51.888524061999995,62.363825292001245,5052.6731100610014]
["Dividends income",2.5551703309999998,7.9620721020000005,0.14320097500000001,12.313651999999999,386.777535,-345.44846520299996,64.303165204999999]
["Current income from investments in associates",3.5664788250000004,0,6.2451806840000001,6.1186569620000002,47.864106695000004,1.0000000011132215E-6,63.794424166000006]
["Net fee and commision income",565.338844107,449.48699935399998,2206.8794237759998,616.75549575100001,50.513954867000017,-10.720787596000475,3878.2539302589994]
["Net trading income and fair value result",-0.26798174700001254,-1.4553054570000032,470.77557035299998,141.27279882400001,8.5114952319999873,44.098817522000076,662.93539472700002]
["Gains/losses from hedge accounting",-4.6759709220000003,0.29352899700000001,-29.276019228000003,-16.990560000000002,2.2280859999999998,7.4823168129999997,-40.938618339999998]
["Other net operating income and expenses",39.022124315999982,9.5152065959999987,-55.641178410000002,110.1763018,103.25307414700001,-177.35751790600008,28.968010542999927]
["Operating income",1946.7141568009999,1409.2175397550002,4624.1860018689995,1602.1938003949997,547.25972787900002,-419.5818100780009,9709.9894166209997]
["General administrative expenses",-909.39884260199995,-698.64750173199991,-954.02747144099988,-765.19351076099986,-394.92974015999994,169.86150636499946,-3552.3355603310001]
["Operating result",1037.3153141990001,710.57003802300039,3670.1585304279997,837.00028963399996,152.32998771900009,-249.7203037130005,6157.6538562899996]
["Other result",-512.20564269299996,-12.568812688000001,-5.6775429189999995,2.9050499999999997,-138.87127924100002,-1.0060267420000164,-667.42425428299998]
["Governmental and regulatory expenses",-137.44173472200001,-41.98936888499999,-66.482420172000005,-53.779191999999995,-37.784835000000001,0,-337.47755077900007]
["Net impairment loss on financial assets not measured at fair value through profit/loss",-12.342102683,-69.893506428999999,-743.28100152900004,-121.96858075599999,-18.787034981999984,16.865959000000057,-949.40626737899993]
["Profit/loss before tax ",375.325834101,586.11835002099997,2854.717565808,664.15756687800001,-43.113161504000004,-233.86037145499989,4203.3457838490003]
["Income taxes",-153.18660998999999,-83.415636204000009,-619.13068923800006,-147.551945504,143.91825875000001,0.21137899999995716,-859.15524318600001]
["Profit/loss after tax from continuing operations",222.13922411099998,502.70271381700007,2235.5868765700002,516.60562137400007,100.805097246,-233.64899245500015,3344.1905406630003]
["Gains/losses from discontinued operations",0,45.511468785999995,0,0,397.52169799999996,9.8727205350000151,452.90588732099997]
["Profit/loss after tax ",222.13922411099998,548.21418260300004,2235.5868765700002,516.60562137400007,498.32679524600002,-223.77627192,3797.096427984]
["Profit/loss after deduction of non-controlling interests",-55.958654138725812,-0.36601951299999996,-35.65722411657616,-16.013651056299999,-0.21903935999999999,-62.264550105398015,-170.47913829000001]
["Consolidated profit/loss",166.18056997227418,547.84816309000007,2199.9296524534238,500.59197031770009,498.10775588600001,-286.04082202539803,3626.6172896940002]
[]
["Return on equity before tax",9.7282074694758802E-2,0.18852271565165415,0.88133692521541163,0.17196019261253292,"–","–",0.26626779740364853]
["Return on equity after tax",5.7577077379615656E-2,0.17633098581432649,0.69019271378969294,0.13375681703632331,"–","–",0.24053326906708797]
["Net interest margin (average interest-bearing assets)",2.293218304458897E-2,3.4573025959620481E-2,6.3697048251247029E-2,1.1898596212761039E-2,"–","–",2.5939156541923959E-2]
["Cost/income ratio",0.46714554338907083,0.49576980276122834,0.20631252096161398,0.47759110700113272,"–","–",0.36584340187336528]
["Loan/deposit ratio",0.8558627432641206,0.70449683888476811,0.43963037524601561,1.461534572970743,"–","–",0.8235232387464847]
["Provisioning ratio (avg. loans and advances to customers)",2.1319905560262061E-4,4.1860617324443565E-3,3.8973204873039589E-2,3.1865151864835135E-3,"–","–",7.2970210469413066E-3]
["NPE Ratio",1.3766107763254987E-2,1.9850311516345871E-2,2.2711645249555924E-2,1.786901912220407E-2,"–","–",1.6011550947790637E-2]
["NPE Coverage Ratio",0.59658267197054027,0.70186924711424203,0.65149407017786209,0.47142062991067196,"–","–",0.59037633164443104]
[]
["Assets",62129.859687297998,31352.435814509001,33816.607716961,62626.75137202,44774.292504129,-27642.494319232999,207057.45277568401]
["Total risk-weighted assets (RWA) ",25448.423197487929,16397.048018815993,23282.27326790195,26901.713606192421,15007.829336513469,-9357.1329427680957,97680.15448414367]
["Equity",4128.1193199089994,3387.8419970279997,5053.0077882099995,4265.2561817919996,8542.3201854030012,-6612.2163569669983,18764.329115375]
["Loans to customers",37707.109888678999,17839.289312518998,11340.287227261,37114.791705417003,1015.793794,-1787.7121405079961,103229.55978736799]
["Deposits from customers",45699.535257315001,25252.673785379997,25846.763161196999,31630.839753364002,1042.664335191,-4373.5821699489879,125098.89412249801]
[]
["Business outlets",343,729,569,23,"–","–",1664]
["Employees as at reporting date (full-time equivalents)",9775,12697,16550,3343,2049,"–",44414]
["Customers in million1",3.7269220000000001,4.9273550000000004,7.017131,2.3847900000000002,8.2200000000000003E-4,"–",18.057020000000001]
[]
["1 Adaptation of prior years‘ figures due to the inclusion of customers from the credit card business"]
[]
[]
["Net Interest Margin (avg. interest bearing assets)","Central \nEurope","Southeastern \nEurope","Eastern \nEurope","Group Corporates & Markets","Corporate \nCenter","Reconciliation","Total"]
["Quarter 1 2021",1.61181995725099E-2,3.1334808491887522E-2,4.8649982206688501E-2,9.7027537520865646E-3,"–","–",1.9152269083699092E-2]
["Quarter 2 2021",1.5127463870846024E-2,3.0561244237747601E-2,5.0330381144137543E-2,1.1285648369945394E-2,"–","–",1.9032484530879582E-2]
["Quarter 1-2 2021",1.5569195235565089E-2,3.1038109446117262E-2,4.9905013557091246E-2,1.0480348953771637E-2,"–","–",1.9144100715841789E-2]
["Quarter 3 2021",1.6697802289650319E-2,3.0304589180584717E-2,5.4219177170203678E-2,1.0335892539610633E-2,"–","–",1.9797145607598085E-2]
["Quarter 1-3 2021",1.589584485604046E-2,3.0795831378208696E-2,5.1451487989477608E-2,1.0359055137123981E-2,"–","–",1.9375973194630285E-2]
["Quarter 4 2021",2.0051591054656124E-2,3.0354766084830502E-2,5.5299866227924467E-2,1.2599132345940366E-2,"–","–",2.2162825514079779E-2]
["Financial Year 2021",1.7049405126860272E-2,3.0658296865261499E-2,5.2311189071939983E-2,1.0960661675854544E-2,"–","–",2.0138599482503992E-2]
["Quarter 1 2022",2.1324334041027741E-2,3.078939712538117E-2,5.6678498484335489E-2,1.0519263969277205E-2,"–","–",2.2068281461985972E-2]
["Quarter 2 2022",2.2286960582764439E-2,3.3748323430776127E-2,6.321765657708224E-2,1.1085364619902291E-2,"–","–",2.5557017156469838E-2]
["Quarter 1-2 2022",2.1714721031792207E-2,3.1950854116951109E-2,5.8882173589161271E-2,1.0641231367333257E-2,"–","–",2.370614057999185E-2]
["Quarter 3 2022",2.4857410594120923E-2,3.5418527605256135E-2,6.2826307840227358E-2,1.1445226623896975E-2,"–","–",2.7080198462600721E-2]
["Quarter 1-3 2022",2.2705368895685821E-2,3.3104130602604566E-2,6.1392965628512215E-2,1.0932649870951291E-2,"–","–",2.4931214986381466E-2]
["Quarter 4 2022",2.3900836957458611E-2,3.8399435053959721E-2,6.8708029915380775E-2,1.3949488199065994E-2,"–","–",2.8468007295841459E-2]
["Financial Year 2022",2.293218304458897E-2,3.4573025959620481E-2,6.3697048251247029E-2,1.1898596212761039E-2,"–","–",2.5939156541923959E-2]
["Quarter 1 2023",2.3182385721434502E-2,4.0740579525676231E-2,6.3929939817705159E-2,1.3996662857001772E-2,"–","–",2.7498948091209667E-2]
["Quarter 2 2023",2.4178826325119543E-2,4.250893337481966E-2,6.1612894155504673E-2,1.4626345446877497E-2,"–","–",2.7360261432180358E-2]
["Quarter 1-2 2023",2.3637515567083323E-2,4.160251068223373E-2,6.2878042818932015E-2,1.4556842740535373E-2,"–","–",2.7440517651220218E-2]
["Quarter 3 2023",2.5661646869473084E-2,4.3518661409945099E-2,6.9928458269281249E-2,1.5496290275675279E-2,"–","–",2.9539974243370716E-2]
["Quarter 1-3 2023",2.4334531220386969E-2,4.2269555856188572E-2,6.5212007882808898E-2,1.4773215013535164E-2,"–","–",2.8115200908445419E-2]
["Quarter 4 2023",2.691628495142177E-2,4.3370494980052514E-2,7.9887801753704676E-2,1.642698398645832E-2,"–","–",3.0568909255782168E-2]
["Financial Year 2023",2.4933338784447492E-2,4.2562889912046521E-2,6.8402150655150123E-2,1.5320541727936567E-2,"–","–",2.8697033041720381E-2]

{"sheet":"Segment comparison","index":8,"n_rows":225,"n_cols":17,"rows_kept":225,"cut":false,"hidden":false,"merged":[[0,11,4,11],[179,0,179,3]]}
["Segment comparison",null,null,null,null,null,null,null,null,null,null,"QoQ"]
[]
["Central Europe (CE)"]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022"]
["Net interest income",1590.3057798690008,1341.1754918909999,249.13028797800098,0.18575517483303994,null,427.53236123800093,409.37162083000015,18.160740408000777,4.4362480162107643E-2,null,null,427.53236123800093,409.37162083000015,386.46881629699993,366.93298150399988,356.39253900899985]
["Dividend income",12.365711218,2.5551703309999998,9.8105408870000002,3.8394860679055061,null,4.1170782099999998,2.0909922150000013,2.0260859949999985,0.96895912881244151,null,null,4.1170782099999998,2.0909922150000013,4.0300171419999993,2.1276236509999999,-5.131045999999969E-3]
["Current income from investments in associates",4.6017855000000001,3.5664788250000004,1.0353066749999997,0.29028818781785404,null,1.3298496249999998,1.4192948250000001,-8.9445200000000336E-2,-6.30208737638428E-2,null,null,1.3298496249999998,1.4192948250000001,2.3790607750000001,-0.52641972500000001,-0.23481704999999967]
["Net fee and commission income",578.39419826999995,565.338844107,13.055354162999947,2.3092972115903221E-2,null,151.67198961099987,138.42281332100009,13.249176289999781,9.5715265223480062E-2,null,null,151.67198961099987,138.42281332100009,147.27385711599996,141.02553822199999,150.76119667400002]
["Net trading income and fair value result",-16.148794208000005,-0.26798174700001254,-15.880812460999993,">500,0%",null,1.970959015999997,4.6059348479999862,-2.6349758319999892,-0.5720827408455772,null,null,1.970959015999997,4.6059348479999862,-14.355148003999988,-8.3705400680000022,30.944110890999958]
["Net gains/losses from hedge accounting",-8.0537059689999992,-4.6759709220000003,-3.3777350469999989,0.72236014794447834,null,-7.6404334059999988,3.3464334750000004,-10.986866880999999,"–",null,null,-7.6404334059999988,3.3464334750000004,-0.71990030700000029,-3.039805731,-10.784496007000001]
["Other net operating income ",29.728598449999989,39.022124315999982,-9.2935258659999924,-0.2381604289592566,null,10.034474173000032,1.7906806159999942,8.2437935570000374,4.6037207770836028,null,null,10.034474173000032,1.7906806159999942,12.724264445999951,5.1791792150000129,44.543858217999983]
["Operating income",2191.1935731300009,1946.7141568009999,244.47941632900097,0.12558567752481431,null,589.01627846700114,561.04777012999989,27.968508337001253,4.9850493712007227E-2,null,null,589.01627846700114,561.04777012999989,537.80096746499999,503.3285570679999,571.61726068899964]
["General administrative expenses",-1009.1667856050001,-909.39884260199995,-99.767943003000141,0.10970757640018647,null,-270.9788977930001,-251.69739713599998,-19.281500657000123,7.6605880221247258E-2,null,null,-270.9788977930001,-251.69739713599998,-250.29441704199999,-236.19607363400002,-249.57424326400016]
["Operating result",1182.0267875250008,1037.3153141990001,144.71147332600071,0.13950577162523126,null,318.03738067400104,309.35037299399988,8.6870076800011589,2.8081452095645831E-2,null,null,318.03738067400104,309.35037299399988,287.50655042299996,267.13248343399988,322.0430174249995]
["Other result",-887.30916721700021,-512.20564269299996,-375.10352452400025,0.73232993403164359,null,-278.99570804100006,-175.28015411700005,-103.71555392400001,0.59171304616020337,null,null,-278.99570804100006,-175.28015411700005,-347.30235690699999,-85.730948152000011,-331.62760110999994]
["Governmental measures and compulsory contributions",-132.16580506899999,-137.44173472200001,5.2759296530000199,-3.8386663728244619E-2,null,-1.6298688330000004,-2.6850441379999976,1.0551753049999972,-0.39298248027533844,null,null,-1.6298688330000004,-2.6850441379999976,-6.5140955680000046,-121.33679652999999,-20.933964609999983]
["Impairment losses on financial assets ",-27.476733805999999,-12.342102683,-15.134631122999998,1.2262603473431173,null,-5.5090258009999999,16.140810962999996,-21.649836763999996,"–",null,null,-5.5090258009999999,16.140810962999996,-25.884165760999995,-12.224353207,3.0270357009999991]
["Profit/loss before tax ",135.07508143299998,375.325834101,-240.25075266800002,-0.64011248584436276,null,31.902777998999984,147.52598570200001,-115.62320770300003,-0.78374807768820431,null,null,31.902777998999984,147.52598570200001,-92.194067813000004,47.840385545000004,-27.491512594000028]
["Income taxes",-192.42810003099999,-153.18660998999999,-39.241490040999992,0.25616788597620688,null,-66.254572560999975,-48.277067919000011,-17.977504641999964,0.37238186611007307,null,null,-66.254572560999975,-48.277067919000011,-39.486164583999994,-38.410294966999999,-45.882704990000001]
["Profit/loss after tax ",-57.353018597999998,222.13922411099998,-279.49224270899998,"–",null,-34.351794561999995,99.24891778300001,-133.60071234500001,"–",null,null,-34.351794561999995,99.24891778300001,-131.68023239700003,9.4300905779999997,-73.374217583999993]
["Profit/loss after deduction of non-controlling interests",-127.7449058759251,-55.958654138725812,-71.786251737199279,1.2828445008565725,null,-35.161172128038203,-36.076104504136005,0.91493237609780209,-2.5361174347216631E-2,null,null,-35.161172128038203,-36.076104504136005,-35.91931504107469,-20.588314202676205,38.122820283341881]
["Consolidated profit/loss",-185.09792447392508,166.18056997227418,-351.27849444619926,"–",null,-69.512966690038184,63.172813278863991,-132.68577996890218,"–",null,null,-69.512966690038184,63.172813278863991,-167.59954743807469,-11.158223624676204,-35.251397300658105]
[]
["Return on equity before tax",3.0551488822051533E-2,9.7282074694758802E-2,-6.6730585872707273,-0.68594945247711148,null,2.8863276781729712E-2,0.13314568920895795,-10.428241242722823,-0.783220343420718,null,null,2.8863276781729712E-2,0.13314568920895795,"–",4.4732082597242435E-2,"–"]
["Return on equity after tax","–",5.7577077379615656E-2,"–","–",null,"–",8.9574494273530467E-2,"–","–",null,null,"–",8.9574494273530467E-2,"–",8.8173952995799082E-3,"–"]
["Net interest margin (average interest-bearing assets)",2.4933338784447492E-2,2.293218304458897E-2,0.20011557398585228,8.7264074945133219E-2,null,2.691628495142177E-2,2.5661646869473084E-2,0.12546380819486863,4.8891565234700396E-2,null,null,2.691628495142177E-2,2.5661646869473084E-2,2.4178826325119543E-2,2.3182385721434502E-2,2.3900836957458611E-2]
["Cost/income ratio",0.46055574367328039,0.46714554338907083,-0.65897997157904342,-1.4106523778397717E-2,null,0.46005332568780832,0.44862026111908337,1.1433064568724949,2.5484949208948171E-2,null,null,0.46005332568780832,0.44862026111908337,0.46540343395401035,0.46926817546354682,0.43661075413148914]
["Loan/deposit ratio",0.82332281025025889,0.8558627432641206,-3.253993301386171,-3.8020036822446257E-2,null,0.82332281025025889,0.85148378874714414,-2.8160978496885258,-3.3072829887132338E-2,null,null,0.82332281025025889,0.85148378874714414,0.85717409563938252,0.84035590781251568,0.8558627432641206]
["Provisioning ratio (avg. loans and advances to customers)",5.8007044509459163E-4,2.1319905560262061E-4,3.6687138949197104E-2,1.7207927514265289,null,2.9346100625633401E-4,-1.6870178442134906E-3,0.19804788504698248,"–",null,null,2.9346100625633401E-4,-1.6870178442134906E-3,2.4686578854936749E-3,1.227563925857812E-3,-1.5842740665418907E-4]
["NPE ratio",1.2320887674304976E-2,1.3766107763254987E-2,-0.14452200889500111,-0.10498392964841141,null,1.2320887674304976E-2,1.2813472159891228E-2,-4.9258448558625254E-2,-3.8442701512876543E-2,null,null,1.2320887674304976E-2,1.2813472159891228E-2,1.3059151984423508E-2,1.3272161578781147E-2,1.3766107763254987E-2]
["NPE coverage ratio",0.58383478592795779,0.59658267197054027,-1.2747886042582479,-2.136818020623299E-2,null,0.58383478592795779,0.60199893135427784,-1.8164145426320055,-3.0173052609009376E-2,null,null,0.58383478592795779,0.60199893135427784,0.58122306537359025,0.577363294731705,0.59658267197054027]
[]
["Assets",65005.563890022,62129.859687297998,2875.7042027240022,4.6285380607610227E-2,null,65005.563890022,65008.903719983005,-3.3398299610053073,-5.1374962041994543E-5,null,null,65005.563890022,65008.903719983005,65558.127824846,65220.040471746004,62129.859687297998]
["Total risk-weighted assets (RWA) ",24631.459516282612,25448.423197487929,-816.9636812053177,-3.2102723020024371E-2,null,24631.459516282612,25672.308511261988,-1040.8489949793766,-4.0543646260825184E-2,null,null,24631.459516282612,25672.308511261988,26338.872910883387,26735.953944330573,25448.423197487929]
["Equity",4320.716757180001,4128.1193199089994,192.59743727100158,4.6655007364285073E-2,null,4320.716757180001,4517.7744677189994,-197.05771053899844,-4.3618315156509269E-2,null,null,4320.716757180001,4517.7744677189994,4509.1448635869992,4659.3468396899998,4128.1193199089994]
["Loans to customers",37595.769298496998,37707.109888678999,-111.3405901820006,-2.9527744372535025E-3,null,37595.769298496998,37599.087726988,-3.3184284910021233,-8.8258218260417465E-5,null,null,37595.769298496998,37599.087726988,38138.524736482002,38191.590989666001,37707.109888678999]
["  Hereof non-financial corporations %",0.41519427923559044,0.40406815011601976,1.1126129119570671,2.7535278681024566E-2,null,0.41519427923559044,0.41192151916827124,0.32727600673191914,7.9451058394020002E-3,null,null,0.41519427923559044,0.41192151916827124,0.40834199237871588,0.39948228394528651,0.40406815011601976]
["  Hereof households %",0.5418261445299476,0.5522891110138215,-1.0462966483873903,-1.8944727091699032E-2,null,0.5418261445299476,0.54707995157043143,-0.52538070404838377,-9.6033624069067347E-3,null,null,0.5418261445299476,0.54707995157043143,0.55099935120050514,0.55155073133857468,0.5522891110138215]
["  Hereof FCY % ",0.20222620272237801,0.21043276330860466,-0.82065605862266522,-3.8998492711857513E-2,null,0.20222620272237801,0.19923401155304057,0.29921911693374381,1.501847574123083E-2,null,null,0.20222620272237801,0.19923401155304057,0.20066936571128227,0.20893221649343174,0.21043276330860466]
["Deposits from customers",47702.24614893899,45699.535257315001,2002.7108916239886,4.3823441099511307E-2,null,47702.24614893899,47179.942043230003,522.30410570898675,1.1070469421738727E-2,null,null,47702.24614893899,47179.942043230003,47644.388572791002,46895.129578494008,45699.535257315001]
[]
["Business outlets",339,343,-4,-1.1661807580174877E-2,null,339,337,2,5.9347181008901906E-3,null,null,339,337,339,339,343]
["Employees as at reporting date (full-time equivalents)",9778,9775,3,3.0690537084399061E-4,null,9778,9750,28,2.8717948717948971E-3,null,null,9778,9750,9713,9746,9775]
["Customers in million",3.9652859999999999,3.7269220000000001,0.2383639999999998,6.3957335302429197E-2,null,3.9652859999999999,3.9070510000000001,5.8234999999999815E-2,1.4905103619072158E-2,null,null,3.9652859999999999,3.9070510000000001,3.8516759999999999,3.8032210000000002,3.7269220000000001]
[]
["Southeastern Europe (SEE)"]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022"]
["Net interest income",1296.353337628,943.41503816299996,352.938299465,0.37410713756718872,null,343.25857969899988,335.67019628700007,7.5883834119998141,2.2606664207720506E-2,null,null,343.25857969899988,335.67019628700007,318.32062387100001,299.10393777099995,279.25197441500006]
["Dividend income",4.0747504499999998,7.9620721020000005,-3.8873216520000007,-0.48822989822254192,null,0.35774470100000005,2.8248096980000001,-2.467064997,-0.87335617643436736,null,null,0.35774470100000005,2.8248096980000001,0.57902315199999999,0.31317289899999995,2.3558836849999998]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0]
["Net fee and commission income",456.42765381999999,449.48699935399998,6.9406544660000122,1.544127967210418E-2,null,123.96528512299997,117.73499382500002,6.2302912979999547,5.2917922663338279E-2,null,null,123.96528512299997,117.73499382500002,110.06296813500001,104.66440673700001,113.528192315]
["Net trading income and fair value result",30.533953219000001,-1.4553054570000032,31.989258676000006,"–",null,22.393253071,2.8019898210000012,19.591263249999997,">500,0%",null,null,22.393253071,2.8019898210000012,-3.966490621000001,9.3052009480000013,13.024441361999996]
["Net gains/losses from hedge accounting",0.44452754800000005,0.29352899700000001,0.15099855100000004,0.51442464813791466,null,6.8104146000000018E-2,0.16079241700000002,-9.2688271000000003E-2,-0.57644677982544401,null,null,6.8104146000000018E-2,0.16079241700000002,9.5507005999999978E-2,0.12012397900000001,0.15653018600000002]
["Other net operating income ",1.3436473119999872,9.5152065959999987,-8.1715592840000113,-0.85878947572564224,null,-10.894212732000014,7.656737315,-18.550950047000015,"–",null,null,-10.894212732000014,7.656737315,2.9523425860000008,1.628780143,-18.628400561000003]
["Operating income",1789.1778699769998,1409.2175397550002,379.96033022199958,0.26962503623681666,null,479.1487540079998,466.84951936299973,12.29923464500007,2.634518005241171E-2,null,null,479.1487540079998,466.84951936299973,428.04397412900022,415.13562247699997,389.68862140200031]
["General administrative expenses",-752.41715797699999,-698.64750173199991,-53.769656245000078,7.6962496984102957E-2,null,-225.74074279000004,-175.12598330799992,-50.614759482000125,0.28901913083327146,null,null,-225.74074279000004,-175.12598330799992,-176.92767053700004,-174.62276134200002,-218.33251747199992]
["Operating result",1036.7607119999998,710.57003802300039,326.19067397699939,0.45905492283990856,null,253.40801121799973,291.72353605499978,-38.315524837000055,-0.13134190458248207,null,null,253.40801121799973,291.72353605499978,251.11630359200018,240.51286113499998,171.35610393000033]
["Other result",-30.761891096000003,-12.568812688000001,-18.193078408000002,1.4474778851123888,null,-24.245910749000004,-0.38203827000000001,-23.863872479000005,">500,0%",null,null,-24.245910749000004,-0.38203827000000001,-6.2631498619999997,0.12920778499999994,-8.762614776000003]
["Governmental measures and compulsory contributions",-39.017208767000007,-41.98936888499999,2.9721601179999837,-7.0783633975068816E-2,null,-8.4319563800000026,-6.4876773860000032,-1.9442789939999994,0.2996879897566469,null,null,-8.4319563800000026,-6.4876773860000032,-4.1127104419999956,-19.984864559000002,-6.0630941239999956]
["Impairment losses on financial assets ",-6.2331548660000005,-69.893506428999999,63.660351562999999,-0.91081925654521523,null,-24.864998106000002,-21.212611057,-3.6523870490000014,0.17217998478290775,null,null,-24.864998106000002,-21.212611057,39.733988662000002,0.11046563500000002,-31.400863837000003]
["Profit/loss before tax ",960.74845727100001,586.11835002099997,374.63010725000004,0.63917143566069456,null,195.86514598300005,263.64120934200002,-67.776063358999977,-0.25707689449671611,null,null,195.86514598300005,263.64120934200002,280.47443195,220.767669996,125.12953119299998]
["Income taxes",-155.028703957,-83.415636204000009,-71.613067752999996,0.85850892005264057,null,-33.491355692999988,-39.007681681999998,5.5163259890000091,-0.14141640187618498,null,null,-33.491355692999988,-39.007681681999998,-49.049670317,-33.479996265000004,-16.500070907000001]
["Profit/loss after tax from continuing operations",805.71975331399995,502.70271381700007,303.01703949699987,0.60277581793065038,null,162.37379028999993,224.63352766000003,-62.259737370000096,-0.27716137487826376,null,null,162.37379028999993,224.63352766000003,231.424761633,187.28767373100001,108.6294602860001]
["Gains/losses from discontinued operations",0,45.511468785999995,-45.511468785999995,"–",null,0,0,0,"–",null,null,0,0,0,0,0]
["Profit/loss after tax ",805.71975331399995,548.21418260300004,257.5055707109999,0.46971709029548681,null,162.37379028999993,224.63352766000003,-62.259737370000096,-0.27716137487826376,null,null,162.37379028999993,224.63352766000003,231.424761633,187.28767373100001,108.6294602860001]
["Profit/loss after deduction of non-controlling interests",-0.26523259733103705,-0.36601951299999996,0.10078691566896292,-0.27535940595867336,null,-5.855354291542602E-2,-7.2251572472960754E-2,1.3698029557534734E-2,-0.18958797834692176,null,null,-5.855354291542602E-2,-7.2251572472960754E-2,-0.13337746090189825,-1.0500210407520085E-3,-3.3353895999999904E-2]
["Consolidated profit/loss",805.45452071666887,547.84816309000007,257.6063576266688,0.47021487883377167,null,162.31523674708453,224.56127608752698,-62.246039340442451,-0.27718955122156008,null,null,162.31523674708453,224.56127608752698,231.29138417209813,187.28662370995926,108.59610639000009]
[]
["Return on equity before tax",0.30848044882093806,0.18852271565165415,11.995773316928391,0.63630386796961758,null,0.25155624319330644,0.33587717626038338,-8.432093306707694,-0.25104692734974199,null,null,0.25155624319330644,0.33587717626038338,0.35818932885335752,0.28433013501677812,0.16098973204218928]
["Return on equity after tax",0.25870329454621194,0.17633098581432649,8.237230873188544,0.46714596615833637,null,0.20854216033900877,0.28618164494146059,-7.7639484602451816,-0.27129442427495043,null,null,0.20854216033900877,0.28618164494146059,0.29554879378149507,0.24121072419652012,0.13976099435997191]
["Net interest margin (average interest-bearing assets)",4.2562889912046521E-2,3.4573025959620481E-2,0.79898639524260406,0.23110108909060467,null,4.3370494980052514E-2,4.3518661409945099E-2,-1.4816642989258499E-2,-3.4046642312101083E-3,null,null,4.3370494980052514E-2,4.3518661409945099E-2,4.250893337481966E-2,4.0740579525676231E-2,3.8399435053959721E-2]
["Cost/income ratio",0.42053793007548906,0.49576980276122834,-7.5231872685739276,-0.15174758984256309,null,0.47112872756469931,0.3751229808417782,9.6005746722921117,0.25593139217299798,null,null,0.47112872756469931,0.3751229808417782,0.41333993989056622,0.42064027244897478,0.56027429460602463]
["Loan/deposit ratio",0.68010678482631226,0.70449683888476811,-2.4390054058455846,-3.4620530160313745E-2,null,0.68010678482631226,0.70484233191780898,-2.4735547091496723,-3.5093730854946825E-2,null,null,0.68010678482631226,0.70484233191780898,0.71739609315208175,0.71678960028023453,0.70449683888476811]
["Provisioning ratio (avg. loans and advances to customers)",3.2983103174001951E-4,4.1860617324443565E-3,-0.38562307007043373,-0.92120731780335641,null,5.2563717778177756E-3,4.5839743368286277E-3,6.7239744098914783E-2,0.1466843816264336,null,null,5.2563717778177756E-3,4.5839743368286277E-3,-8.5895072944814944E-3,-2.9941612137946774E-5,6.9502709226950919E-3]
["NPE ratio",1.8221581451431705E-2,1.9850311516345871E-2,-0.16287300649141662,-8.2050604776301772E-2,null,1.8221581451431705E-2,1.8563332687715931E-2,-3.4175123628422607E-2,-1.8410015164484816E-2,null,null,1.8221581451431705E-2,1.8563332687715931E-2,1.8585881483483738E-2,1.8915579575596916E-2,1.9850311516345871E-2]
["NPE coverage ratio",0.66577151297972759,0.70186924711424203,-3.6097734134514448,-5.1430853086855466E-2,null,0.66577151297972759,0.67276848358072516,-0.69969706009975763,-1.0400265130966146E-2,null,null,0.66577151297972759,0.67276848358072516,0.67226477875440749,0.69200625923251424,0.70186924711424203]
[]
["Assets",34035.423810152999,31352.435814509001,2682.9879956439981,8.5575105281050945E-2,null,34035.423810152999,33431.920085828002,603.50372432499717,1.8051721910546936E-2,null,null,34035.423810152999,33431.920085828002,32605.634239158,31744.389992951001,31352.435814509001]
["Total risk-weighted assets (RWA) ",16379.482922404053,16397.048018815993,-17.565096411939521,-1.071235285264982E-3,null,16379.482922404053,17408.232795473625,-1028.7498730695715,-5.9095594892151326E-2,null,null,16379.482922404053,17408.232795473625,17298.172373295252,16967.982868613111,16397.048018815993]
["Equity",3819.06026522,3387.8419970279997,431.21826819200032,0.12728405532793108,null,3819.06026522,3805.871841571,13.188423649000015,3.4652831724244493E-3,null,null,3819.06026522,3805.871841571,3603.5337741859998,3559.246822692,3387.8419970279997]
["Loans to customers",18593.721541588999,17839.289312518998,754.43222907000018,4.2290486793135074E-2,null,18593.721541588999,18594.468546660995,-0.74700507199668209,-4.0173510209351448E-5,null,null,18593.721541588999,18594.468546660995,18485.449438568005,18285.544108282,17839.289312518998]
["  Hereof non-financial corporations %",0.46996998665901385,0.47585065328419923,-0.58806666251853823,-1.2358219085333855E-2,null,0.46996998665901385,0.47583182355560266,-0.58618368965888124,-1.2319135892986055E-2,null,null,0.46996998665901385,0.47583182355560266,0.47697871675870013,0.48055172519630246,0.47585065328419923]
["  Hereof households %",0.47944690659351247,0.48724971961350061,-0.78028130199881418,-1.6013991811380746E-2,null,0.47944690659351247,0.48040775026437005,-9.6084367085758071E-2,-2.0000586383729368E-3,null,null,0.47944690659351247,0.48040775026437005,0.48130744983938201,0.47880082633207355,0.48724971961350061]
["  Hereof FCY % ",0.31091294098528416,0.3582051959359478,-4.7292254950663635,-0.13202559730350805,null,0.31091294098528416,0.31496341135135114,-0.40504703660669827,-1.2860129843934698E-2,null,null,0.31091294098528416,0.31496341135135114,0.31311370979794767,0.30089737629023267,0.3582051959359478]
["Deposits from customers",26680.298635514002,25252.673785379997,1427.6248501340051,5.6533611540197537E-2,null,26680.298635514002,26125.637469273002,554.66116624099959,2.1230531384864859E-2,null,null,26680.298635514002,26125.637469273002,25725.531297214995,25465.777722987994,25252.673785379997]
[]
["Business outlets",667,729,-62,-8.5048010973936883E-2,null,667,692,-25,-3.6127167630057855E-2,null,null,667,692,706,728,729]
["Employees as at reporting date (full-time equivalents)",12535,12697,-162,-1.2758919429786575E-2,null,12535,12665,-130,-1.0264508487958901E-2,null,null,12535,12665,12600,12709,12697]
["Customers in million",5.0215620000000003,4.9273550000000004,9.420699999999993E-2,1.9119182604054208E-2,null,5.0215620000000003,4.955292,6.6270000000000273E-2,1.3373581213781183E-2,null,null,5.0215620000000003,4.955292,4.9599950000000002,4.9202870000000001,4.9273550000000004]
[]
["Eastern Europe (EE)"]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022"]
["Net interest income",1915.2020867599999,2025.059823719,-109.85773695900002,-5.4249131641576631E-2,null,508.51840681299984,461.66862532899995,46.849781483999891,0.10147924054967605,null,null,508.51840681299984,461.66862532899995,441.30606833100001,503.70898628700007,578.18512961399995]
["Dividend income",0.17982396,0.14320097500000001,3.6622984999999997E-2,0.25574536067229992,null,-3.4478229999999996E-3,0.14394704699999999,-0.14739486999999998,"–",null,null,-3.4478229999999996E-3,0.14394704699999999,3.9324735999999992E-2,0,2.0629940000000033E-3]
["Current income from investments in associates",2.828322097,6.2451806840000001,-3.4168585870000001,-0.54711925241072823,null,0.25198327199999992,1.0547627780000002,-0.80277950600000025,-0.76109957873390188,null,null,0.25198327199999992,1.0547627780000002,0.52117109499999992,1.000404952,0.26395884399999975]
["Net fee and commission income",1363.9687581129999,2206.8794237759998,-842.91066566299992,-0.38194685970689268,null,239.22662684099981,253.06616432500002,-13.839537484000203,-5.468742738055965E-2,null,null,239.22662684099981,253.06616432500002,322.77518642499996,548.90078052199999,764.53094882899984]
["Net trading income and fair value result",192.35673763400001,470.77557035299998,-278.41883271899997,-0.59140458904916016,null,13.984988308,53.336972157999988,-39.351983849999989,-0.73779935864052604,null,null,13.984988308,53.336972157999988,59.370881529000023,65.663895639000003,144.90511338999997]
["Net gains/losses from hedge accounting",-2.1433849949999999,-29.276019228000003,27.132634233000005,-0.92678700685679161,null,0.27024111499999981,-0.50195276799999966,0.77219388299999947,"–",null,null,0.27024111499999981,-0.50195276799999966,-1.1050703020000001,-0.80660304000000005,-6.4294823060000015]
["Other net operating income ",-31.881356320000002,-55.641178410000002,23.75982209,-0.4270186715838824,null,0.65718308999999864,-1.6873926490000049,2.3445757390000033,"–",null,null,0.65718308999999864,-1.6873926490000049,2.6184554510000018,-33.469602211999998,-32.571939704000002]
["Operating income",3440.5109872489998,4624.1860018689995,-1183.6750146199997,-0.25597478434941479,null,762.90598161599974,767.08112621999953,-4.1751446039997973,-5.4428983601434444E-3,null,null,762.90598161599974,767.08112621999953,825.52601726500018,1084.9978621480002,1448.885791661]
["General administrative expenses",-982.63673897699994,-954.02747144099988,-28.609267536000061,2.9987886504764472E-2,null,-233.93883249899989,-183.21371720800002,-50.725115290999867,0.27686308680377003,null,null,-233.93883249899989,-183.21371720800002,-285.28650307899994,-280.19768619100006,-290.14055866699982]
["Operating result",2457.8742482719999,3670.1585304279997,-1212.2842821559998,-0.3303084245831277,null,528.96714911699996,583.8674090119996,-54.900259894999635,-9.4028642543861118E-2,null,null,528.96714911699996,583.8674090119996,540.23951418600018,804.80017595700008,1158.7452329940004]
["Other result",-9.7532229169999987,-5.6775429189999995,-4.0756799979999991,0.71785983058986003,null,-3.8844289719999998,-1.6778254869999991,-2.2066034850000005,1.3151567323878672,null,null,-3.8844289719999998,-1.6778254869999991,0.61142885099999966,-4.8023973089999998,-1.9001497800000002]
["Governmental measures and compulsory contributions",-54.770347794000003,-66.482420172000005,11.712072378000002,-0.1761679606082196,null,-12.109504757000002,-12.617132480999997,0.50762772399999534,-4.0233208675935384E-2,null,null,-12.109504757000002,-12.617132480999997,-13.831229888000001,-16.212480668000001,-16.740769039999993]
["Impairment losses on financial assets ",-190.714060072,-743.28100152900004,552.56694145699998,-0.74341593599233269,null,34.116235199000016,48.092621079999951,-13.976385880999935,-0.29061393550895953,null,null,34.116235199000016,48.092621079999951,32.845134933000026,-305.76805128399997,-173.96225763399991]
["Profit/loss before tax ",2202.6366174889999,2854.717565808,-652.08094831900007,-0.22842222856972361,null,547.08945058699999,617.66507212399983,-70.575621536999847,-0.1142619596317912,null,null,547.08945058699999,617.66507212399983,559.86484808200009,478.01724669599997,966.14205654000023]
["Income taxes",-627.97054585299998,-619.13068923800006,-8.8398566149999169,1.4277852428668414E-2,null,-238.15263090400001,-172.87500508100001,-65.277625822999994,0.37760013827571193,null,null,-238.15263090400001,-172.87500508100001,-117.26943298599998,-99.673476882000003,-220.06809948200009]
["Profit/loss after tax ",1574.666071636,2235.5868765700002,-660.92080493400022,-0.29563637712350188,null,308.93681968299995,444.79006704300002,-135.85324736000007,-0.30543228688348045,null,null,308.93681968299995,444.79006704300002,442.59541509599995,378.34376981399998,746.07395705800013]
["Profit/loss after deduction of non-controlling interests",-52.297337988727399,-35.65722411657616,-16.64011387215124,0.46666879670018013,null,7.7657223197753993,-28.010610556343728,35.776332876119127,"–",null,null,7.7657223197753993,-28.010610556343728,-12.210764401374458,-19.841685350784612,-28.81865649359121]
["Consolidated profit/loss",1522.3687336472724,2199.9296524534238,-677.56091880615145,-0.30799208422438251,null,316.70254200277526,416.77945648665633,-100.07691448388107,-0.240119595451042,null,null,316.70254200277526,416.77945648665633,430.38465069462552,358.5020844632154,717.2553005644088]
[]
["Return on equity before tax",0.56982710700126804,0.88133692521541163,-31.150981821414359,-0.35345145460461225,null,0.56613314502015943,0.64014894977623293,-7.40158047560735,-0.11562278557505412,null,null,0.56613314502015943,0.64014894977623293,0.57668872555792172,0.5089989909197512,1.1931081093708831]
["Return on equity after tax",0.40736969728411154,0.69019271378969294,-28.282301650558139,-0.4097739817516528,null,0.31969063404897369,0.46098105128294375,-14.129041723397007,-0.30649940348035687,null,null,0.31969063404897369,0.46098105128294375,0.45589535893153293,0.40286537439217479,0.92134162086284266]
["Net interest margin (average interest-bearing assets)",6.8402150655150123E-2,6.3697048251247029E-2,0.47051024039030942,7.3866882894545682E-2,null,7.9887801753704676E-2,6.9928458269281249E-2,0.99593434844234274,0.14242189418894213,null,null,7.9887801753704676E-2,6.9928458269281249E-2,6.1612894155504673E-2,6.3929939817705159E-2,6.8708029915380775E-2]
["Cost/income ratio",0.28560778983667978,0.20631252096161398,7.9295268875065803,0.38434540233173387,null,0.30664175945175692,0.23884529412271599,6.7796465329040938,0.28385095707268948,null,null,0.30664175945175692,0.23884529412271599,0.34558148030774999,0.25824722422612423,0.20025081365066272]
["Loan/deposit ratio",0.40779640107108733,0.43963037524601561,-3.1833974174928281,-7.2410770427575932E-2,null,0.40779640107108733,0.40314025999042002,0.46561410806673087,1.1549680205043211E-2,null,null,0.40779640107108733,0.40314025999042002,0.40524323621633235,0.4008593311378652,0.43963037524601561]
["Provisioning ratio (avg. loans and advances to customers)",1.5740672644907253E-2,3.8973204873039589E-2,-2.3232532228132334,-0.59611551843928168,null,-1.1044213615277118E-2,-1.788779769641986E-2,0.68435840811427417,-0.38258393779310496,null,null,-1.1044213615277118E-2,-1.788779769641986E-2,-1.5800468363022471E-2,9.046801140438844E-2,5.4011732566460524E-2]
["NPE ratio",2.064415594058381E-2,2.2711645249555924E-2,-0.20674893089721141,-9.1032124104375001E-2,null,2.064415594058381E-2,2.1362697673976593E-2,-7.1854173339278363E-2,-3.3635346263786281E-2,null,null,2.064415594058381E-2,2.1362697673976593E-2,2.321124789279596E-2,2.2564111797307412E-2,2.2711645249555924E-2]
["NPE coverage ratio",0.73550813214604993,0.65149407017786209,8.4014061968187832,0.12895598872488812,null,0.73550813214604993,0.75456897905524289,-1.9060846909192963,-2.5260575823111697E-2,null,null,0.73550813214604993,0.75456897905524289,0.68322644162014212,0.70721470518085994,0.65149407017786209]
[]
["Assets",27611.391692925998,33816.607716961,-6205.2160240350022,-0.18349611161390156,null,27611.391692925998,29443.407487129003,-1832.0157942030055,-6.2221595615380432E-2,null,null,27611.391692925998,29443.407487129003,30161.224289021,33855.093516058994,33816.607716961]
["Total risk-weighted assets (RWA) ",20481.212807582422,23282.27326790195,-2801.0604603195279,-0.12030871848674685,null,20481.212807582422,20801.581121082982,-320.36831350055945,-1.5401152039152266E-2,null,null,20481.212807582422,20801.581121082982,21191.850677228507,22266.06618520843,23282.27326790195]
["Equity",5463.8684195039996,5053.0077882099995,410.86063129400009,8.131011241515318E-2,null,5463.8684195039996,5053.841955984999,410.02646351900057,8.1131635514131606E-2,null,null,5463.8684195039996,5053.841955984999,4957.8042283260002,5073.9789580649995,5053.0077882099995]
["Loans to customers",7967.1375733149998,11340.287227261,-3373.1496539460004,-0.29744834379831764,null,7967.1375733149998,8440.7516530699995,-473.61407975499969,-5.6110415188289631E-2,null,null,7967.1375733149998,8440.7516530699995,9076.3829857410001,10276.066096059998,11340.287227261]
["  Hereof non-financial corporations %",0.61246465682651441,0.57940141349823471,3.3063243328279701,5.7064485101364859E-2,null,0.61246465682651441,0.63486203206227176,-2.2397375235757355,-3.5279122241729022E-2,null,null,0.61246465682651441,0.63486203206227176,0.62566251180710664,0.61748073743004384,0.57940141349823471]
["  Hereof households %",0.36479790714655569,0.37570569203360982,-1.0907784887054128,-2.9032791140354508E-2,null,0.36479790714655569,0.34997836761404616,1.4819539532509529,4.2344158679122668E-2,null,null,0.36479790714655569,0.34997836761404616,0.36345075010391736,0.36832411651927749,0.37570569203360982]
["  Hereof FCY % ",0.14588186762537447,0.16070546355788878,-1.4823595932514311,-9.224077143571785E-2,null,0.14588186762537447,0.15189518455313439,-0.60133169277599152,-3.9588594894898743E-2,null,null,0.14588186762537447,0.15189518455313439,0.15371017051487337,0.16252355807318272,0.16070546355788878]
["Deposits from customers",20159.178762329997,25846.763161196999,-5687.5843988670022,-0.22005016115153675,null,20159.178762329997,21538.656918179997,-1379.4781558499999,-6.4046619113266701E-2,null,null,20159.178762329997,21538.656918179997,23140.276516754999,26388.612500691001,25846.763161196999]
[]
["Business outlets",490,569,-79,-0.13884007029876977,null,490,493,-3,-6.0851926977687487E-3,null,null,490,493,502,507,569]
["Employees as at reporting date (full-time equivalents)",16885,16550,335,2.0241691842900256E-2,null,16885,16774,111,6.61738404673895E-3,null,null,16885,16774,16699,16759,16550]
["Customers in million",7.1161580000000004,7.017131,9.902700000000042E-2,1.4112177754697752E-2,null,7.1161580000000004,7.0768490000000002,3.930900000000026E-2,5.5545907507705827E-3,null,null,7.1161580000000004,7.0768490000000002,7.0779370000000004,7.141902,7.017131]
[]
["Group Corporates & Markets (GC&M)"]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022"]
["Net interest income",967.15701235300003,732.54745505799997,234.60955729500006,0.3202653366346413,null,255.68495500800003,247.78538365299988,7.8995713550001483,3.1880699493004538E-2,null,null,255.68495500800003,247.78538365299988,238.11063060900008,225.57604308300003,227.98002064599987]
["Dividend income",4.6929399999999992,12.313651999999999,-7.6207120000000002,-0.61888317129637904,null,0.35380399999999917,1.9254160000000007,-1.5716120000000016,-0.81624542436543635,null,null,0.35380399999999917,1.9254160000000007,0.35923099999999974,2.0544890000000002,0.19138800000000084]
["Current income from investments in associates",14.344986789,6.1186569620000002,8.2263298270000007,1.3444665844301666,null,3.6209769350000007,3.9328353100000002,-0.31185837499999947,-7.9296067701344786E-2,null,null,3.6209769350000007,3.9328353100000002,3.0423285099999995,3.748846034,2.8727499350000003]
["Net fee and commission income",578.44057928299992,616.75549575100001,-38.314916468000092,-6.212334828301036E-2,null,150.16116258100001,141.57577441499993,8.5853881660000866,6.0641647213129923E-2,null,null,150.16116258100001,141.57577441499993,128.94819970500004,157.755442582,165.56863230999997]
["Net trading income and fair value result",162.94816174000002,141.27279882400001,21.675362916000012,0.15342913212191367,null,21.365610102000005,47.538790466000009,-26.173180364000004,-0.55056470952325132,null,null,21.365610102000005,47.538790466000009,36.819938477000001,57.223822694999996,46.457214503999971]
["Net gains/losses from hedge accounting",-5.4872709999999998,-16.990560000000002,11.503289000000002,-0.67704001516136025,null,0.83657900000000063,0.7604780000000001,7.6101000000000529E-2,0.10006995600135782,null,null,0.83657900000000063,0.7604780000000001,-2.8751880000000001,-4.2091400000000005,-5.4022650000000016]
["Other net operating income ",108.45448126100003,110.1763018,-1.7218205389999781,-1.5627866527282319E-2,null,25.849427744,18.912319280000016,6.9371084639999836,0.36680368818308029,null,null,25.849427744,18.912319280000016,34.338554722000012,29.354179514999991,26.60337141199998]
["Operating income",1830.5508904259998,1602.1938003949997,228.3570900310001,0.14252775786218974,null,457.87251536999992,462.43099712399987,-4.5584817539999563,-9.8576474811389314E-3,null,null,457.87251536999992,462.43099712399987,438.7436950230001,471.50368290899996,464.27111180699967]
["General administrative expenses",-882.08804929600001,-765.19351076099986,-116.89453853500015,0.15276467572071573,null,-262.08980311600016,-203.01213038299994,-59.077672733000213,0.29100562917863604,null,null,-262.08980311600016,-203.01213038299994,-217.91437733099997,-199.07173846599997,-206.73481970399979]
["Operating result",948.46284112999979,837.00028963399996,111.46255149599983,0.13316907159582914,null,195.78271225399979,259.41886674099993,-63.636154487000141,-0.24530272330012748,null,null,195.78271225399979,259.41886674099993,220.82931769200013,272.43194444300002,257.53629210299988]
["Other result",6.2948571389999994,2.9050499999999997,3.3898071389999997,1.1668670553002531,null,-1.9887468609999996,6.5655109999999999,-8.554257861,"–",null,null,-1.9887468609999996,6.5655109999999999,0.27893800000000007,1.439155,-1.4164560000000006]
["Governmental measures and compulsory contributions",-44.429732000000001,-53.779191999999995,9.3494599999999934,-0.17384902324304152,null,-10.174865000000006,-8.1871840000000002,-1.9876810000000056,0.2427795686526657,null,null,-10.174865000000006,-8.1871840000000002,-0.92521899999999735,-25.142464,-13.285018999999993]
["Impairment losses on financial assets ",-177.20955493599996,-121.96858075599999,-55.240974179999967,0.45291151079727965,null,-150.90474859499997,-34.943091883000001,-115.96165671199998,3.3185860341229834,null,null,-150.90474859499997,-34.943091883000001,-6.0207191050000004,14.659004647,-26.493869885999999]
["Profit/loss before tax ",733.11841133299993,664.15756687800001,68.960844454999915,0.10383205416022534,null,32.714351797999932,222.85410185800004,-190.1397500600001,-0.85320282855352092,null,null,32.714351797999932,222.85410185800004,214.16231758699996,263.38764008999999,216.34094721700001]
["Income taxes",-171.90526450299998,-147.551945504,-24.353318998999981,0.16504912162164476,null,-14.911166204999986,-47.564066365000009,32.652900160000023,-0.68650354470171293,null,null,-14.911166204999986,-47.564066365000009,-51.691870554999994,-57.738161377999994,-54.833978033000008]
["Profit/loss after tax ",561.21314683000014,516.60562137400007,44.607525456000076,8.6347348171239124E-2,null,17.803185593000148,175.29003549299995,-157.48684989999981,-0.8984358378219901,null,null,17.803185593000148,175.29003549299995,162.47044703200001,205.64947871200002,161.50696918400004]
["Profit/loss after deduction of non-controlling interests",-12.705981237350001,-16.013651056299999,3.3076698189499982,-0.20655313440520573,null,-4.0212303890000003,-4.3177520719500011,0.29652168295000081,-6.8675013759204706E-2,null,null,-4.0212303890000003,-4.3177520719500011,-1.6642773717499995,-2.7027214046500001,-3.2506903419499995]
["Consolidated profit/loss",548.50716559265004,500.59197031770009,47.915195274949951,9.5717067224511565E-2,null,13.781955204000115,170.97228342104995,-157.19032821704982,-0.91939070515856902,null,null,13.781955204000115,170.97228342104995,160.80616966024999,202.94675730735003,158.25627884205005]
[]
["Return on equity before tax",0.18967127679402446,0.17196019261253292,1.7711084181491532,0.10299525670687526,null,3.38552287275573E-2,0.23185709690241055,-19.800186817485326,-0.85398234869727929,null,null,3.38552287275573E-2,0.23185709690241055,0.2245130459023742,0.27779798323284427,0.22405545195118937]
["Return on equity after tax",0.14519620905344868,0.13375681703632331,1.1439392017125378,8.5523805594288849E-2,null,1.842405205066671E-2,0.18237150856314155,-16.394745651247483,-0.89897516231660801,null,null,1.842405205066671E-2,0.18237150856314155,0.17032284364151312,0.2169008781868362,0.16726614836113843]
["Net interest margin (average interest-bearing assets)",1.5320541727936567E-2,1.1898596212761039E-2,0.34219455151755279,0.28759237257799786,null,1.642698398645832E-2,1.5496290275675279E-2,9.3069371078304153E-2,6.0059129909560527E-2,null,null,1.642698398645832E-2,1.5496290275675279E-2,1.4626345446877497E-2,1.42621464420107E-2,1.3949488199065994E-2]
["Cost/income ratio",0.48187026862209953,0.47759110700113272,0.42791616209668093,8.9598854715622345E-3,null,0.57240780854515649,0.43901064514618315,13.339716339897334,0.3038586076985772,null,null,0.57240780854515649,0.43901064514618315,0.49667808290572996,0.4222061156294738,0.44528900128927412]
["Loan/deposit ratio",1.7204295442931026,1.461534572970743,25.889497132235959,0.1771391358851846,null,1.7204295442931026,1.68697554667285,3.3453997620252585,1.9830754326126687E-2,null,null,1.7204295442931026,1.68697554667285,1.7456490113998562,1.610934525915005,1.461534572970743]
["Provisioning ratio (avg. loans and advances to customers)",4.7494515093867698E-3,3.1865151864835135E-3,0.15629363229032561,0.49048450468175497,null,1.6346591430482761E-2,3.7514279422098781E-3,1.2595163488272882,3.3574318052483685,null,null,1.6346591430482761E-2,3.7514279422098781E-3,6.3555764643266675E-4,-1.5942892194882783E-3,2.7712643308582742E-3]
["NPE ratio",3.0274514144182706E-2,1.786901912220407E-2,1.2405495021978636,0.6942459984590621,null,3.0274514144182706E-2,1.5840486042225703E-2,1.4434028101957004,0.91121118780575738,null,null,3.0274514144182706E-2,1.5840486042225703E-2,1.58225972984916E-2,1.4373071196329143E-2,1.786901912220407E-2]
["NPE coverage ratio",0.35587402474855701,0.47142062991067196,-11.554660516211495,-0.24510298835248157,null,0.35587402474855701,0.41979701520056845,-6.3922990452011437,-0.15227118854446986,null,null,0.35587402474855701,0.41979701520056845,0.42956504858974315,0.41321498220553271,0.47142062991067196]
[]
["Assets",60131.416208081995,62626.75137202,-2495.3351639380053,-3.9844556986758484E-2,null,60131.416208081995,67439.117555887991,-7307.7013478059962,-0.10835997878753345,null,null,60131.416208081995,67439.117555887991,63751.070451115993,69705.662512865994,62626.75137202]
["Total risk-weighted assets (RWA) ",25938.349548729628,26901.713606192421,-963.36405746279343,-3.5810509009397862E-2,null,25938.349548729628,28447.735570732835,-2509.3860220032075,-8.8210396070500408E-2,null,null,25938.349548729628,28447.735570732835,29352.00159219273,29272.779347578347,26901.713606192421]
["Equity",4508.5181983389994,4265.2561817919996,243.2620165469998,5.7033389362511011E-2,null,4508.5181983389994,4475.3672469149997,33.150951423999686,7.40742593735777E-3,null,null,4508.5181983389994,4475.3672469149997,4229.8714426069992,4042.011221835,4265.2561817919996]
["Loans to customers",35958.282001260995,37114.791705417003,-1156.5097041560075,-3.1160344730891021E-2,null,35958.282001260995,37872.083545738999,-1913.8015444780031,-5.0533304885818087E-2,null,null,35958.282001260995,37872.083545738999,36657.200601805998,38884.750800216003,37114.791705417003]
["  Hereof non-financial corporations %",0.51291246977856775,0.51887688510471275,-0.59644153261450006,-1.1494856482075377E-2,null,0.51291246977856775,0.49225904844193652,2.0653421336631226,4.1956407712569144E-2,null,null,0.51291246977856775,0.49225904844193652,0.51530098350923625,0.49381555033932051,0.51887688510471275]
["  Hereof households %",0.20808703243212795,0.19100855716146473,1.7078475270663223,8.9412095062454844E-2,null,0.20808703243212795,0.19516562499323073,1.2921407438897221,6.6207394049773827E-2,null,null,0.20808703243212795,0.19516562499323073,0.19953641559960356,0.18519084018303644,0.19100855716146473]
["  Hereof FCY % ",0.15336052237080108,0.17501552785911323,-2.1655005488312145,-0.12373190969514625,null,0.15336052237080108,0.18696601119407755,-3.3605488823276461,-0.17974116583357358,null,null,0.15336052237080108,0.18696601119407755,0.17519074881660882,0.19127770274560102,0.17501552785911323]
["Deposits from customers",28835.736299197004,31630.839753364002,-2795.1034541669978,-8.8366400511694754E-2,null,28835.736299197004,29328.573882193999,-492.83758299699548,-1.6804007756279216E-2,null,null,28835.736299197004,29328.573882193999,27027.282004997,29223.798751974002,31630.839753364002]
[]
["Business outlets",23,23,0,0,null,23,23,0,0,null,null,23,23,23,23,23]
["Employees as at reporting date (full-time equivalents)",3536,3343,193,5.7732575530960117E-2,null,3536,3485,51,1.4634146341463428E-2,null,null,3536,3485,3440,3397,3343]
["Customers in million1",2.452798,2.3847900000000002,6.8007999999999846E-2,2.851739566167244E-2,null,2.452798,2.4718840000000002,-1.9086000000000158E-2,-7.7212361097851456E-3,null,null,2.452798,2.4718840000000002,2.4416129999999998,2.4215720000000003,2.3847900000000002]
["1 Adaptation of prior years‘ figures due to the inclusion of customers from the credit card business"]
["Corporate Center"]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022"]
["Net interest income",-95.770845299000001,-51.888524061999995,-43.882321237000006,0.84570378576516014,null,-44.703231362000004,-16.590627312000006,-28.112604049999998,1.6944871053589483,null,null,-44.703231362000004,-16.590627312000006,-20.923434734999994,-13.553551890000001,1.0029514730000011]
["Dividend income",758.40637908000008,386.777535,371.62884408000008,0.96083358119545403,null,288.34360188000011,42.856130200000017,245.48747168000008,">500,0%",null,null,288.34360188000011,42.856130200000017,322.09328099999999,105.113366,167.75529999999998]
["Current income from investments in associates",62.765532998999994,47.864106695000004,14.90142630399999,0.31132778470002509,null,7.9691517309999984,14.233838795999997,-6.2646870649999986,-0.44012631833096949,null,null,7.9691517309999984,14.233838795999997,14.913420297,25.649122174999999,5.5213512550000017]
["Net fee and commission income",71.115300530000013,50.513954867000017,20.601345662999996,0.40783474026617017,null,14.635214247000018,18.586419254999992,-3.9512050079999739,-0.21258559563252333,null,null,14.635214247000018,18.586419254999992,24.258592014999994,13.635075013000003,4.3735284250000186]
["Net trading income and fair value result",-201.69035880800001,8.5114952319999873,-210.20185404,"–",null,-90.528416076000028,-18.341455783999976,-72.186960292000052,3.9357268660741624,null,null,-90.528416076000028,-18.341455783999976,-50.145725266000014,-42.674761682000003,-65.349885741000023]
["Net gains/losses from hedge accounting",-6.4475870000000004,2.2280859999999998,-8.6756729999999997,"–",null,-5.7273130000000005,2.451835,-8.1791480000000014,"–",null,null,-5.7273130000000005,2.451835,-1.1806019999999999,-1.9915070000000001,-0.60090399999999999]
["Other net operating income ",159.19982231999998,103.25307414700001,55.946748172999975,0.54184099248560247,null,60.154383842999977,30.927075020999983,29.227308821999994,0.94503954228307019,null,null,60.154383842999977,30.927075020999983,43.920508195000025,24.197855260999997,38.005748756000017]
["Operating income",747.57824382199999,547.25972787900002,200.31851594299997,0.3660392054050261,null,230.14339126299996,74.123215176000031,156.02017608699992,2.1048759921779121,null,null,230.14339126299996,74.123215176000031,332.93603950599999,110.37559787699999,150.70809016800007]
["General administrative expenses",-482.79247622000008,-394.92974015999994,-87.862736060000145,0.22247687911374792,null,-121.5275419570001,-106.31711591899997,-15.210426038000122,0.14306657875848061,null,null,-121.5275419570001,-106.31711591899997,-159.67028052699999,-95.27753781700001,-73.228096277999924]
["Operating result",264.78576760199991,152.32998771900009,112.45577988299982,0.73823796329876057,null,108.61584930599987,-32.193900742999951,140.80975004899983,"–",null,null,108.61584930599987,-32.193900742999951,173.265758979,15.098060059999989,77.479993890000159]
["Other result",18.552894999999999,-138.87127924100002,157.42417424100003,"–",null,-1.7912975599999954,31.689531559999995,-33.480829119999989,"–",null,null,-1.7912975599999954,31.689531559999995,-4.2702859999999996,-7.0750530000000005,-99.919567121]
["Governmental measures and compulsory contributions",-13.237337,-37.784835000000001,24.547498000000001,-0.64966534854525637,null,8.070883000000002,7.8690879999999996,0.20179500000000239,2.5644013639191998E-2,null,null,8.070883000000002,7.8690879999999996,23.683723000000001,-52.861031000000004,4.614302000000003]
["Impairment losses on financial assets ",12.805135762999999,-18.787034981999984,31.592170744999983,"–",null,2.3905453519999975,1.1125962560000007,1.2779490959999968,1.1486189074502837,null,null,2.3905453519999975,1.1125962560000007,-1.3697105349999983,10.671704689999999,-5.3768028529999796]
["Profit/loss before tax ",282.90646136499998,-43.113161504000004,326.01962286899999,"–",null,117.285980098,8.4773150729999767,108.80866502500002,">500,0%",null,null,117.285980098,8.4773150729999767,191.30948544400002,-34.166319250000001,-23.202074083999999]
["Income taxes",155.03802428,143.91825875000001,11.119765529999995,7.7264452937247485E-2,null,12.244033233000025,38.647156209999984,-26.40312297699996,-0.68318410890393344,null,null,12.244033233000025,38.647156209999984,46.954098389000009,57.192736447999998,66.432929793]
["Profit/loss after tax from continuing operations",437.94448564499999,100.805097246,337.13938839899998,3.3444676669103437,null,129.53001333099999,47.12447128300002,82.405542047999973,1.7486783364236378,null,null,129.53001333099999,47.12447128300002,238.26358383299998,23.026417198000001,43.230855709000004]
["Gains/losses from discontinued operations",0,397.52169799999996,-397.52169799999996,"–",null,0,0,0,"–",null,null,0,0,0,0,0]
["Profit/loss after tax ",437.94448564499999,498.32679524600002,-60.382309601000031,-0.12117010399007777,null,129.53001333099999,47.12447128300002,82.405542047999973,1.7486783364236378,null,null,129.53001333099999,47.12447128300002,238.26358383299998,23.026417198000001,43.230855708999968]
["Profit/loss after deduction of non-controlling interests",-0.18434819999999999,-0.21903935999999999,3.4691159999999999E-2,-0.15837865852055077,null,-9.2195999999998438E-4,-9.0973200000000004E-2,9.0051240000000018E-2,-0.98986558678819714,null,null,-9.2195999999998438E-4,-9.0973200000000004E-2,8.5751999999999389E-4,-9.3310560000000001E-2,9.6972000000002372E-4]
["Consolidated profit/loss",437.760137445,498.10775588600001,-60.347618441000009,-0.12115374179158844,null,129.52909137099999,47.033498083000012,82.495593287999981,1.7539752867715688,null,null,129.52909137099999,47.033498083000012,238.264441353,22.933106637999998,43.231825428999962]
[]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["Return on equity after tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["Net interest margin (average interest-bearing assets)","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["Cost/income ratio","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["Loan/deposit ratio","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["Provisioning ratio (avg. loans and advances to customers)","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["NPE ratio","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
["NPE coverage ratio","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–"]
[]
["Assets",36485.392408601001,44774.292504129,-8288.9000955279989,-0.18512632209126723,null,36485.392408601001,35644.678101543999,840.71430705700186,2.3585969963369813E-2,null,null,36485.392408601001,35644.678101543999,39878.634412074003,38212.765155970003,44774.292504129]
["Total risk-weighted assets (RWA) ",17577.616019939818,15007.829336513469,2569.7866834263496,0.17122973787915874,null,17577.616019939818,16877.082342600486,700.53367733933192,4.1507984799663555E-2,null,null,17577.616019939818,16877.082342600486,15501.786066077524,15445.163906138403,15007.829336513469]
["Equity",8435.629222951,8542.3201854030012,-106.69096245200126,-1.2489693682322223E-2,null,8435.629222951,8671.1487188089995,-235.51949585799957,-2.7161279721465648E-2,null,null,8435.629222951,8671.1487188089995,8681.5917916110011,8427.8362465070004,8542.3201854030012]
["Loans to customers",989.37422700000002,1015.793794,-26.419567000000029,-2.6008789535880927E-2,null,989.37422700000002,975.56521499999997,13.809012000000052,1.4154883535899776E-2,null,null,989.37422700000002,975.56521499999997,1010.7978479999999,1317.559796,1015.793794]
["  Hereof non-financial corporations %",3.5213799843605592E-2,3.8101569657748864E-2,-0.28877698141432717,-7.579136083061544E-2,null,3.5213799843605592E-2,4.3945054970005261E-2,-0.87312551263996685,-0.19868572544417562,null,null,3.5213799843605592E-2,4.3945054970005261E-2,4.2207358359947766E-2,3.2078919020082183E-2,3.8101569657748864E-2]
["  Hereof households %",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0]
["  Hereof FCY % ","-","-","–","–",null,"-","-","–","–",null,null,"-","-","-","-","-"]
["Deposits from customers",766.02045310899996,1042.664335191,-276.643882082,-0.26532400960211522,null,766.02045310899996,1267.6385314519998,-501.61807834299987,-0.39571065875413869,null,null,766.02045310899996,1267.6385314519998,1149.2008229419998,1187.8976235069999,1042.664335191]
[]
["Business outlets","–","–","–","–",null,0,"–","–","–",null,null,"–","–","–","–","–"]
["Employees as at reporting date (full-time equivalents)",2153,2049,104,5.0756466569058079E-2,null,2153,2136,17,7.9588014981273325E-3,null,null,2153,2136,2107,2094,2049]
["Customers in million",4.9100000000000001E-4,8.2200000000000003E-4,-3.3100000000000002E-4,-0.402676399026764,null,4.9100000000000001E-4,7.7800000000000005E-4,-2.8700000000000004E-4,-0.36889460154241649,null,null,4.9100000000000001E-4,7.7800000000000005E-4,7.6499999999999995E-4,7.6599999999999997E-4,8.2200000000000003E-4]

{"sheet":"Asset Quality","index":9,"n_rows":175,"n_cols":10,"rows_kept":175,"cut":false,"hidden":false,"merged":[[71,0,71,1],[5,0,5,1],[22,0,22,1],[39,0,39,1],[56,0,56,1],[52,0,52,1]]}
["Asset quality"]
[]
[]
["Corporate customers"]
[]
["Internal Rating\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
[1,"Minimal risk",2239.8309391843618,2225.2509896586325,2287.7965221468053,2715.6621021142078,2359.0922844199026,2235.7244965048849,2525.4554824262282,1744.9144526466159]
[2,"Excellent credit standing",8346.6682255107262,7460.8580063280815,7946.1463208645227,7374.0489791710288,8411.0870436850655,6745.5319925405111,7146.85036447723,7496.3304031593489]
[3,"Very good credit standing",21534.846647136441,22292.630447782973,22475.14865123016,21867.217487483253,21666.608216140783,21430.021064840501,21303.632221383567,21036.14370560765]
[4,"Good credit standing",22616.950407258239,23168.959935414758,23908.330133779466,21709.36320931085,22166.953812073269,22201.199257672808,22612.086245687933,22233.260900897279]
[5,"Sound credit standing",17265.825668683454,17742.130050066095,17189.240099730912,16626.939045552022,16652.316209829231,16342.780962635868,16140.404688107075,16477.190269585881]
[6,"Acceptable credit standing",11837.054056285078,12017.45607129846,11662.838970584935,11000.250380615438,11124.640454854627,11234.836270644111,11372.4418642743,10840.654106886501]
[7,"Marginal credit standing",3947.5714972087799,4261.22640407986,3956.1037479717252,3677.0911713462033,3694.3384586013949,3571.1527126985898,3675.729479207464,3320.1636897841909]
[8,"Weak credit standing / sub-standard",3377.5547972948234,3067.0367746003858,3124.6909955429037,2069.586194054616,1983.7219485717192,1705.3305977110899,1703.6906377409703,1229.2397557454685]
[9,"Very weak credit standing / doubtful",2583.0228896200802,2132.176617899474,1804.7003255070122,1705.7737101647567,1584.1294520363335,1433.9276395066113,1274.353335524564,1195.791432956677]
[10,"Default",1270.3586508436879,1431.4147191477036,1447.7907801263154,1426.6526229613439,1325.9390524535181,1302.942824468792,1285.5641372480068,1846.244049084373]
["NR","Not rated",151.43229872547036,271.71874879642161,396.69671835301943,127.66877860961601,87.767628543498788,105.48688539828102,146.46026903570925,110.05627384418483]
["Total",null,95171.11607775114,96070.858765072844,96199.483265837785,90300.253681383314,91056.594561209349,88308.934704622035,89186.66872511305,87529.989040198168]
[]
[]
["Banks"]
[]
["Internal Rating\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
[1,"Minimal risk",4652.2498873358409,10521.632172371152,5369.4604835269602,7232.5511040758902,7014.1489379677632,3444.8816705714808,3558.7415771199971,3731.1653706972515]
[2,"Excellent credit standing",3862.7867428730542,4818.9133621355795,10090.291369753646,9372.7120594923363,11451.509703338957,3809.857086759695,3700.4765143036884,4268.0394588033523]
[3,"Very good credit standing",7817.6265763070578,12841.117605490341,11420.061496362385,10270.25356639346,12267.230339190919,19134.836147375692,20872.040704269595,15471.447820668487]
[4,"Good credit standing",2469.0089270836916,1046.7085540689202,677.66497774629102,499.46016586597494,895.44426908615594,2647.1043340432207,2695.6654513058656,2548.6712736987629]
[5,"Sound credit standing",194.25564453752924,138.00139294251184,144.6646785827964,127.40264511767734,179.02519939906381,245.12418217697805,231.81837590708776,316.19152570263032]
[6,"Acceptable credit standing",220.73442129708104,236.65885432931248,4637.7774968600525,3779.8229606231789,4054.9888512609509,4187.8131472491996,3422.8380769818355,3889.6003353260617]
[7,"Marginal credit standing",1050.1972232286037,3709.8958827728525,102.04096182762937,434.9575679841609,111.09869158099501,81.202943249341104,45.259477874893783,258.53166187945362]
[8,"Weak credit standing / sub-standard",56.188937821318191,38.37578905071986,22.029380656647476,34.861906266937211,30.391939934949999,11.1366735397,29.718354897099999,111.68742576674789]
[9,"Very weak credit standing / doubtful",1437.5848732495813,578.00681410254651,610.3258525367695,384.88965632072291,898.12903623060572,472.3490590863301,628.55681531386051,150.3779274096066]
[10,"Default",14.79583770148786,16.414425878824634,16.669117624477298,15.725760802671727,5.6930205681989996,7.3865641082059996,3.64307675467062,3.5013156414975635]
["NR","Not rated",1.2241520084313888,1.44243477576943,1.6398824486254386,3.540142109354842,3.1750277480745313,1.9547195265835868,0.88934151598134326,2.0579603404102751]
["Total",null,21776.653223443678,33947.167287918521,33092.625697926283,32156.177535052368,36910.835016306628,34043.646527686433,35189.647766244576,30751.272075934256]
[]
[]
["Sovereigns"]
[]
["Internal Rating\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
[1,"Excellent credit standing",32120.470170472647,33886.971566490422,39642.484311379951,36204.485042954577,30106.63749283709,31019.3575928881,24614.449396588127,9181.7517300702111]
[2,"Very good credit standing",10861.898122992425,11115.587179707605,11410.122695815795,12859.609916277746,13074.414724468323,7022.1278160694219,8956.5660185412635,22845.691813187696]
[3,"Good credit standing",7029.6816381694298,6212.8116019257159,6446.9544511049071,6398.4210296419706,9449.2819924163286,16311.865866666709,16337.298171849483,15800.286742559911]
[4,"Sound credit standing",3403.9450621409028,3626.0898715802045,4186.6952452347705,4433.1062778729292,4019.1650654671357,4269.1566851340349,4617.3252122514004,6512.1416622011284]
[5,"Average credit standing",1022.2882589832129,587.12553620925439,654.96396655872161,544.99702705585059,568.18860554064236,572.18066820013701,603.64352689924192,2234.6312959827469]
[6,"Mediocre credit standing",66.679025990332477,356.90030552231769,1895.507687438062,1219.9488099441851,1722.944710575319,1595.6067373030253,2022.6269000361342,2359.4846150336407]
[7,"Weak credit standing",342.48021792400237,2840.6230453016083,21.711393793229657,24.48346885034902,21.190404278366,10.759177123985703,5.2271940185159993,14.457851155528099]
[8,"Very weak credit standing",3.3529805759999996E-3,20.07363014977,3.2941285966623681,0.11897058376240001,0.34858993376239994,0.24756456376236799,7.11645889836241,5.2674351278880005]
[9,"Doubtful/high default risk",2171.4028312908099,1736.8092250727993,1567.5640731572898,1767.7757164369802,1433.4918503378103,1827.4849174275002,1836.5011812611099,1780.3294080854196]
[10,"Default",0.91073756011078011,1029.7266761583421,1335.876324118954,361.59426926431604,305.73823727962503,280.20727145345359,274.51089021115649,163.54559190160788]
["NR","Not rated",21.034561421610832,2.931456544076791,87.26433659064746,1.7378325802157579,1.0391671481517712,2.1932465270569601,0.7406960711151519,0.44653682623129798]
["Total",null,57040.793979926064,61415.650094662116,67252.438613788981,63816.278361462879,60702.44084028255,62911.187543357184,59276.005646625912,60898.034682132013]
[]
[]
["Retail customers"]
[]
["Internal Rating\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["0.5","Minimal risk",12703.105772060278,11833.494145349938,12039.8814664279,11488.304712395373,10250.761225426697,9668.6829058040421,9291.7582175841981,8575.27115812181]
["1.0","Excellent credit standing",8725.1581156854954,9765.096049239999,9599.2045619088949,9573.6153681501,9029.9944348775989,8546.1583097722942,8617.2321592523986,7881.336018057299]
["1.5","Very good credit standing",8462.0481930640999,8941.4814324654999,8723.3770090922044,8850.645989930199,8364.2996341186008,8516.6824097928984,8560.7344323886064,8403.8944662627036]
["2.0","Good credit standing",6449.7621536741999,6484.4071042183996,6088.400966389705,6209.6288869787986,6700.6428426137973,6751.9207277204987,6678.2096680848026,7424.1168427340999]
["2.5","Sound credit standing",3646.8193403064001,3953.1735715314012,3818.4467812558,3919.4794805831007,4656.7166555943022,4724.9280999857001,4478.8674745072994,5126.935036251497]
["3.0","Acceptable credit standing",1816.2397158030999,1921.8448542757001,2077.5476161463998,2403.2189256433003,2768.1891487191988,2738.7213966496001,2681.2294361729,2932.1596194643994]
["3.5","Marginal credit standing",864.60871313939992,848.51996708989998,1016.8706108142999,1188.9651700557004,1360.9981116574002,1371.4981405767007,1310.6840356373993,1361.3109495766003]
["4.0","Weak credit standing / sub-standard",386.39296410349993,372.34220564539999,471.63188932750001,535.05881999609983,669.06115032039997,669.29507665059987,639.90197636860012,666.31917147669981]
["4.5","Very weak credit standing / doubtful",467.85001957240007,433.50445191490007,587.9366928956,652.18564054909996,800.39995341159988,840.62983172970019,833.48451295900031,886.06684961169981]
["5.0","Default",1285.8334850847,1349.8298045861002,1444.8270741393003,1285.893786848801,1306.2978458103003,1268.5254923878008,1269.1149893443005,1214.9122649125006]
["NR","Not rated",3799.2655628746988,4583.7280047671993,4940.8006533357011,4305.2596650159003,4274.7183040064001,4316.7085300584004,4272.0799338365978,3923.9936692026008]
["Total",null,48607.084035368272,50487.42159108445,50808.92532173331,50412.256446146472,50182.079306556298,49413.75092112823,48633.296836136113,48396.31604567192]
[]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Central Europe",null,24262.729331413277,24170.481156327376,24230.697278001015,24366.140621866496,24547.153031356982,24445.957669031079,23876.548444735643,23591.164899338619]
["Retail – private individuals",null,22517.838859034247,22425.563519697291,22490.519540707774,22600.174023370881,22735.977181589969,22599.53949207683,22040.225727639936,21741.015218896497]
["Retail – SME",null,1744.8904723790281,1744.9176366300853,1740.1777372932411,1765.966598495615,1811.1758497670153,1846.4181769542472,1836.3227170957055,1850.1496804421242]
["Southeastern Europe",null,12035.395315944324,10784.311356206823,11006.906789648927,11136.734364080241,11235.829838828799,11086.627984322273,11145.550835747843,11332.552835094823]
["Retail – private individuals",null,10630.357742395778,9751.2631310678898,9942.0350838211925,10031.299986086131,10116.927115497181,9903.6215849130895,9964.948086444303,10138.725061045408]
["Retail – SME",null,1405.037573548547,1033.0482251389335,1064.8717058277341,1105.4343779941094,1118.9027233316174,1183.0063994091827,1180.6027493035392,1193.8277740494138]
["Eastern Europe",null,5744.3673346382666,8496.5852678396895,8215.0772522954558,6020.9914135118152,5513.4533209303154,4913.7742552514801,4532.737536666853,4544.6181200117107]
["Retail – private individuals",null,5484.6686951712409,8203.7318409167383,7965.8815032376315,5818.5418947814132,5333.4547720573337,4745.9903847956002,4369.0128391297003,4386.0717221239838]
["Retail – SME",null,259.69863946702611,292.85342692295075,249.19574905782457,202.44951873040196,179.99854887298062,167.78387045588036,163.72469753715271,158.54639788772738]
["Group Corporates & Markets",null,6564.5920533723893,7036.0438107105938,7356.2440017879162,8888.3900466878949,8885.6431154401798,8967.3910125232997,9078.4600189857538,8927.9801912268813]
["Retail – private individuals",null,6564.4021593323896,7036.0431435305936,7356.1286683679164,8888.3003464278954,8885.5732836301795,8967.3894925232999,9078.4257376957539,8927.9612885968818]
["Retail – SME",null,0.18989404000000001,6.6717999999999996E-4,0.11533342000000002,8.9700260000000018E-2,6.9831809999999994E-2,1.5200000000000001E-3,3.4281289999999999E-2,1.8902629999999997E-2]
["Corporate Center",null,"-","-","-","-","-","-","-","-"]
["Retail – private individuals",null,"-","-","-","-","-","-","-","-"]
["Retail – SME",null,"-","-","-","-","-","-","-","-"]
["Total",null,48607.084035368272,50487.421591084465,50808.92532173331,50412.256446146479,50182.079306556341,49413.750921128223,48633.296836136105,48396.316045671898]
["Retail – private individuals",null,45197.267455933666,47416.601635212493,47754.564796134495,47338.31625066635,47071.932352774726,46216.540954308912,45452.6123909097,45193.773290662626]
["Retail – SME",null,3409.8165794346032,3070.8199558719689,3054.3605255988145,3073.9401954801265,3110.146953781616,3197.2099668193123,3180.6844452264045,3202.5427550092741]
[]
[]
[]
["Concentration risk"]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Central Europe",null,67134.519370211376,68554.758950466625,69304.765597406775,71413.401517737366,74960.923304393029,76033.26998209396,75689.031365162897,75237.362764033271]
["Czech Republic",null,30183.666959166443,30775.572805704727,31044.443829513588,31738.332045336276,34183.349051598525,35037.28292521082,34668.643944902629,34094.232659145113]
["Slovakia",null,21687.889007897378,22428.214285715185,22806.499236727072,24085.298401708576,24427.629739166659,24371.905154252087,24158.188935337017,24822.430241060225]
["Poland",null,4535.8393154836995,4250.4503958305977,4264.9484123777129,3922.1008583567327,3696.2273182654517,3578.8704893908816,3362.8955377852203,3241.0171029544922]
["Hungary",null,10174.98534221041,10571.460987994747,10666.655426039122,11169.257996037899,12134.178882282084,12527.987156146495,12798.946334927396,12326.078320155919]
["Other",null,552.13874545344618,529.06047522136009,522.21869274928235,498.41221629787424,519.5383130803142,517.22425709367656,700.3566122106447,753.60444071751647]
["Austria",null,51298.012062914837,52983.630590714783,59623.166766809787,56769.73666177717,51927.048875882312,53075.776322444144,46985.144457694812,47135.696233278388]
["Western Europe",null,40818.868366556017,45671.748795036336,45351.155924629107,41788.804567660038,46433.536316331309,43935.662741101441,47444.052492961069,43614.133295501531]
["Germany",null,12822.598668384211,13798.683119278006,12906.605185932882,11929.290536055722,12104.275369752419,11885.711708048368,12461.772221939576,12183.792032875026]
["France",null,5973.4196006167977,8218.7918134120191,8386.1101085393584,7756.1364771495582,9148.3999611986219,7376.7128917774598,8382.7563964151141,7899.4338229556206]
["Great Britain",null,4508.3870755778971,4296.3298971716722,4570.1037412927899,3712.6294039252116,4552.0128496507605,4292.5355465320063,5197.4610780426246,3611.5630886302656]
["Switzerland",null,3693.0459562229184,3775.6856414727431,3759.4507642094372,3143.2573617133357,3321.8117646939891,3037.6271344661636,3286.2729891336717,3126.0377538322946]
["Netherlands",null,2033.2728349992665,2494.0054159400297,2752.9210083588828,2457.9764280967347,2781.3978331980429,2868.2151033501709,2662.3570152326984,2497.2218656714808]
["Luxemburg",null,2659.4828623643193,3890.8351710574002,3197.2387818687466,2939.4196692879718,3008.3421857721983,2788.2658733454368,2788.8595813769925,2663.8308328150624]
["Spain",null,2571.3940444184868,3112.1070217269476,3521.3851727869983,3265.1026756216811,4397.1369636474419,4556.7889211750035,4596.8379945653023,3667.9091772015863]
["Italy",null,2103.7205775822481,1570.6076591499534,1815.0217448479257,2151.2636674606774,2485.3514116387696,2466.3949973153703,2611.8488718693243,2409.2549397129533]
["Belgium",null,1240.0019874686056,920.0622463947534,1041.2394895828627,989.85395291816747,1055.3341486061008,1005.3027020569444,1372.2450571107099,1434.7007668122687]
["Ireland",null,471.81356082784055,680.08709548656816,680.64711806408241,800.32146745108389,992.11582927429436,441.47631914992769,825.99493954135369,801.71082743923228]
["Other",null,2741.7311980934337,2914.5537139462485,2720.4328091451448,2643.5529279800498,2587.3579988986644,3216.6315438845877,3257.6463477336961,3318.6781875557463]
["Southeastern Europe",null,36806.772077190959,33134.810090447143,34668.515109079905,35464.094432842874,35590.388630604473,36196.571631312479,36896.282948529937,38349.191974455571]
["Romania",null,14745.123757017107,14912.249435711163,15605.55075506088,16352.295509248372,16735.833833252313,16856.549399972228,17122.493530072181,17704.001573128175]
["Croatia",null,6070.9586792788587,6533.8159532780282,7100.4046574527374,7297.9197501664185,7089.9546594674766,7429.2661855079878,7759.2855538771155,7782.6619221325927]
["Bulgaria",null,6425.8301913687492,488.71201836090557,297.94099847132173,309.63796409528214,"-","-","-","-"]
["Serbia",null,4474.4234603075838,6091.9359036209926,6367.4004869851942,6466.5040020134866,6384.3473103198285,6363.2846989678828,6364.6159119004942,6724.425891683286]
["Bosnia and Herzegovina",null,2235.2353626584668,2264.7185636167414,2317.0939117874568,2124.7946163290908,2099.3657590282687,2119.6415457282706,2146.333063658305,2571.4332793755502]
["Albania",null,1730.3672029852341,1724.3707764947226,1854.5279773546201,1788.4031775344965,1770.3159701174843,1904.1693033762774,1975.3957570370185,1939.1311563056322]
["Other",null,1124.8334235749599,1119.0074393645928,1125.5963219676944,1124.5394134557273,1510.5710984191082,1523.660497759829,1528.1591319848226,1627.5381518303388]
["Eastern Europe",null,26210.093681015882,36789.40627196159,34232.344765038913,25552.1563606073,24541.445826955482,22666.948833183542,21856.43494162591,20842.141043375552]
["Russia",null,19795.893783448166,29501.941899996036,27057.888580548872,19194.945763317737,18841.323286874198,16521.829729833957,15677.851144862432,15016.024545365492]
["Ukraine",null,4083.3139010275363,4540.1144749178056,4245.3218783176735,4018.3625375819333,3788.7494827612477,4050.5337364340789,4350.951574646193,3966.3006364525527]
["Belarus",null,1746.3882914468775,2013.2243306543362,2193.2805236816043,1804.9385967628828,1420.0265691259212,1508.6493566665763,1375.7523058953709,1325.7782924057656]
["Other",null,584.49770509330165,734.1255663934154,735.85378249076564,533.90946294474622,491.34648819411467,585.93601024892712,451.87991622191572,534.0375691517429]
["Asia",null,2725.3403466755462,5955.3106169828061,6967.2127534477977,6344.6154783632019,6545.7771025481743,5591.7332374543776,5576.2847917094387,4829.7931566586321]
["North America",null,4159.3085539881113,5523.5754064386019,3030.4561489323069,4496.805462644722,3821.3842067356245,3204.2653609371896,3672.0475442309471,3634.9759089995946]
["Rest of World",null,2436.6795525531793,2602.9604622172078,3675.2301882458401,4123.6556424843375,4414.2772611091204,3544.723737794799,3621.1604612256374,3344.2306151183184]
["Total",null,231589.59401110592,251216.20118426514,256852.84725359041,245953.27012411703,248234.78152455948,244248.95184632193,241740.43900314064,236987.52499142083]
[]
[]
["Exposure by industry"]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Banking and insurance",null,62835.240632895438,80061.959319745176,84690.215294604423,80889.684630737916,81694.664236080542,78223.739545118005,74463.621512226789,70059.01235604861]
["Private households",null,45347.101892438688,47568.425393239522,47839.881702076716,45141.540440545978,47240.070309977957,46245.372015057212,45479.531089887278,45219.618083821159]
["Wholesale trade and commission trade (except car trading)",null,17324.717105579752,16849.47089741399,16776.042445739986,15403.234013840229,15322.690733978023,15053.962239715082,14765.991979987908,15149.58676384665]
["Public administration and defence and social insurance institutions",null,19909.3093878457,19560.625603832552,19547.686415888558,18739.190236983613,20541.963143710625,22539.592858909054,24860.122583391996,24614.18052283143]
["Other manufacturing",null,20069.739252217511,20305.094939201761,19901.788802325806,19140.270277033378,18579.842111690072,18060.015077789209,18240.172621642232,18205.665785756115]
["Real estate activities",null,13943.596124376319,13752.881422551487,13726.302383635377,13120.448450520771,13460.924094522492,13455.085473365494,13021.477690106463,12882.258104906889]
["Construction",null,6583.5110527942461,6873.2557820005031,6955.7567312253241,6805.395227358079,6850.4958830039832,6733.8248474184784,6812.4893159768108,6817.5096195458373]
["Other business activities",null,3008.8126886564505,3383.6877603460307,4076.4793691131686,3327.5388106616078,3456.8681391906603,3221.5357853063911,3214.1531854872737,3154.6465276956915]
["Retail trade except repair of motor vehicles",null,6188.6678164014902,6275.8287715350389,6340.932728306032,5758.0485711186257,5759.1473861309469,5592.7762827728975,5479.7588495408954,5426.4356048228556]
["Electricity, gas, steam and hot water supply",null,4893.7131446439789,5147.6494122757322,5587.9269926235547,5737.2944243726688,5703.9440320063513,6060.9404775792063,6124.2025999026837,6270.8049283423061]
["Manufacture of basic metals",null,3562.7900031069144,3383.8542500539329,2869.1008141798875,2877.4061650320768,2775.7354358870616,2618.8353747681203,2396.0607265926874,2213.1287768211582]
["Manufacture of food products and beverages",null,2956.1647667173697,2804.7582222687247,2599.074525234581,2803.0959802860793,2854.264124766818,2815.5956281978815,2854.3536597731136,2798.579850126981]
["Other transport",null,2203.4071469915875,2126.1886354072362,2125.0626494513667,1770.2849959247615,1700.964092486088,1656.9748611195107,1644.0050854734513,1614.9081015250335]
["Land transport, transport via pipelines",null,2591.0338136226455,2635.2858981110162,2810.7667632073258,2577.2771292284519,2529.474688517118,2516.2671645889645,2576.704237553638,2707.9753522419123]
["Manufacture of machinery and equipment",null,1872.5364842794347,1897.4963074599286,1914.5554385309085,1845.728055625342,1915.6673815148999,1871.3666670077666,1886.6916565594279,1965.8632358204413]
["Sale of motor vehicles",null,1343.6703498878035,1300.6621524172238,1453,1348.3875182989063,1467.525870710866,1491.9008753658072,1490.7091964085716,1528.7107743952729]
["Extraction of crude petroleum and natural gas",null,1640.7211474024434,1668.8683065985927,1189.5694126744334,1032.857084432718,970.61125313041691,844.83409665399813,979.18999647526459,886.41970164692987]
["Other industries",null,15314.861223229736,15620.208109806958,16448.857531182526,17635.588112116791,15409.928607254256,15246.33257559013,15451.203016154088,15472.220901224968]
["Total",null,231589.59403308752,251216.20118426546,256853,245953.27012411799,248234.78152455916,244248.95184632315,241740.43900314061,236987.52499142024]
[]
[]
["Economic capital "]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Credit risk corporate customers",null,2184.2154233299998,2049.1570124,1873.6373302600002,1652.5671545413584,1568.254578284688,1468.1489537344316,1381.0081178850101,1480.6486424754501]
["Credit risk retail customers",null,1455.82750603,1554.6638114699999,1506.18295831,1610.08299184619,1562.1791600916547,1522.7469116126481,1482.9878905474798,1388.1833198959]
["Operational risk",null,846.51633800000002,832.62392799999998,805.97444599999994,799.4677119999991,788.01438800000005,848.09802400000001,698.02171727911605,756.63490000000002]
["Macroeconomic risk",null,"n/a","n/a","n/a","n/a","n/a","n/a","n/a","n/a"]
["FX risk capital position",null,376.98717076999998,1198.9847188599999,2295.3710860000001,1311.6321777197199,1157.6080697497098,1114.1260708075199,1104.4883570551401,1342.9614140692702]
["Credit risk sovereigns",null,498.17398906,448.92514297000002,492.31479002999998,595.18232686528097,737.79856358392408,1020.61802731681,1326.3848805176999,1158.86650503132]
["Market risk",null,974.17471058000001,712.37275749000003,958.72109055999999,929.14055086204007,965.72237030001099,1021.57432279352,1021.1165466032299,839.74899485194101]
["Owned property risk",null,316.22685838999996,320.95940267000003,309.51758685000004,306.139540580936,312.12214368441897,326.47539898012297,360.40604044568101,322.08632438308194]
["Credit risk banks",null,249.58633573,507.48113845,469.29066905000002,348.09290527540497,558.34105479074594,398.92347847194804,445.92115763241799,300.30030287259797]
["Participation risk",null,783.6188899,707.24104351999995,656.33519828999999,645.74199756897997,664.06404728603991,699.22135129695801,711.72879461828904,734.80558718785301]
["Liquidity risk",null,0.4522851,0.72070745999999997,3.2,0.46652532999295199,4.4848791340581302,48.607655182506896,20.153269539946304,65.830835639707203]
["CVA risk",null,20.783030140000001,34.785575990000005,34.911154100000005,22.3961608139522,22.268057293178302,23.708725797894999,19.259985376042,16.055190266133199]
["Risk buffer",null,385.32812685000005,418.39576195999996,470.27281547000001,411.045502170193,417.04286560992199,424.612445999719,428.57383787500493,420.30610083366304]
["Total",null,8091.890663879999,8786.3110012399993,9875.7291249200025,8631.9555455740483,8757.9001778083511,8916.8613659940802,9000.050595375058,8826.4281175069173]

{"sheet":"Credit Portfolio and RWA","index":10,"n_rows":107,"n_cols":10,"rows_kept":107,"cut":false,"hidden":false,"merged":[]}
["Credit portfolio and RWA"]
[]
[]
["Total Exposure"]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Czech Republic",null,30638.512257965442,31518.234100420545,31935.624980910423,32757.020187929131,35156.767665540217,35942.30772029348,35366.314576044111,34815.140296618207]
["Hungary",null,10647.438565494553,11060.746760802775,11026.108466771853,11552.235457056315,12375.942161719347,12814.009980272207,13062.321953532379,12833.619120768819]
["Poland",null,2680.2917582359873,2341.5319762211047,2309.6476432271029,2152.8538726488173,1940.7746361004649,1818.7703996083271,1617.0771735192313,1455.8845687558035]
["Slovakia",null,22504.223520264197,23275.539521181021,23722.806777374237,25049.579076134491,25180.33972806971,25038.469228391386,24800.788906026832,25494.746743975404]
["Central Europe",null,66470.466101959959,68196.052358625384,68994.187868283654,71511.688593768064,74653.824191429929,75613.557328564711,74846.502609122777,74599.390730118161]
["Albania",null,2313.697848336049,2336.8764191889213,2552.5474827987773,2542.4203524052659,2608.6306373606139,2713.1178555775905,2846.5488594157027,2964.9112396976416]
["Bosnia and Herzegovina",null,2586.5771279902324,2593.3052441764562,2722.0858338631779,2747.5440377505811,2762.9587676331425,2871.7964181790458,2936.7698550392361,3078.2297665500951]
["Bulgaria",null,6622.7855195973498,0,0,0,0,0,0,0]
["Croatia",null,6354.854090670703,6810.6224427792113,7256.5262010957913,7446.1768158110799,7235.7105615611372,7718.6109514029322,8065.9651053608413,8020.3225022002907]
["Kosovo",null,1274.4327795841793,1319.1087463032495,1360.0634569719705,1360.8676340050092,1365.1658806665073,1418.5817561591819,1451.9074769421309,1494.8563172435211]
["Romania",null,14659.046704251175,14940.244621577542,15575.057603809053,16381.742953915071,16795.403599846679,16923.244886205859,17116.850015768981,17834.823201758143]
["Serbia",null,5026.5403393331489,6714.6505927119842,7170.6053635833059,7168.8775377067013,7244.4231067302198,7250.2322975839988,7380.5309751921795,7613.5316765068446]
["Southeastern Europe",null,38837.934409762878,34714.808066737336,36636.88594212207,37647.629331593722,38012.292553798361,38895.584165108485,39798.57228771926,41006.674703956836]
["Belarus",null,2327.8649384092478,2909.1003978287472,3104.9511580123608,2768.2752751080634,2602.8155306130548,2379.2791737471948,2417.0986112916448,2201.7833385223471]
["Russia",null,21713.755380275543,36714.780408727209,31804.05820999997,24960.5513087121,23229.582033054081,19969.057653088817,19073.294450845307,17680.158316912763]
["Ukraine",null,4132.8278712960491,4805.5364953728767,4384.1199642540614,4685.3298388851763,4338.8601483711764,4526.7479342734559,4919.2533536418186,4859.5197070709837]
["Eastern Europe",null,28174.448189980947,44429.417301928843,39293.129332266406,32414.156422705317,30171.257712038379,26875.084761109527,26409.64641577884,24741.461362506037]
["Group Corporates & Markets",null,97927.771819233545,103692.10605975938,111758.41203932019,104212.48698653017,105227.89074165733,102704.80232924985,100522.58103977465,96494.80989981466]
["Corporate Center & Reconciliation",null,178.97351215,183.81739721400004,170.23207468786904,167.30878952014552,169.51632563550928,159.923262290422,163.13665074473803,145.18829502451982]
["Total",null,231589.59403308737,251216.201184265,256852.84725668019,245953.27012411741,248234.78152455951,244248.95184632298,241740.43900314029,236987.52499142021]
[]
[]
[]
["hereof Retail"]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Czech Republic",null,11326.702538186044,11354.249360372633,11475.751072098385,11678.98571079047,11995.755927881035,11941.847507148557,11633.830276344359,11464.886171002061]
["Hungary",null,1539.3140421596263,1534.1167753347906,1437.2715094743453,1522.771795748472,1605.0537040932811,1660.061554529872,1623.064325347146,1676.0102543546213]
["Poland",null,2667.6724634980769,2323.7453354070349,2270.0199817565126,2072.8854509482671,1853.896778823226,1712.4313147504574,1481.2279475393311,1301.177334136433]
["Slovakia",null,8729.0402875695327,8958.3696852128978,9047.6547146717949,9091.4976643793179,9092.4466205594308,9131.6172926022591,9138.4258955048117,9149.0911398454791]
["Central Europe",null,24262.729331413273,24170.481156327358,24230.697278001022,24366.140621866503,24547.153031357037,24445.95766903113,23876.548444735621,23591.164899338666]
["Albania",null,448.29809496374116,472.64955282836769,496.4068988845458,514.68901985067157,527.83462549982971,576.00780171567408,590.67897704989548,616.04958977068509]
["Bosnia and Herzegovina",null,1023.647058815174,1036.7968764536508,1043.2548405261873,1054.7848618689343,1069.6146330146689,1094.3037478958558,1113.8313271598445,1127.873121824889]
["Bulgaria",null,2244.4682484734908,0,0,0,0,0,0,0]
["Croatia",null,2176.361498911438,2242.1611378412372,2279.4860901055022,2289.8032325481704,2346.9321928848626,2411.5519858673347,2448.8262090689673,2478.3003412722533]
["Kosovo",null,548.18701355500025,568.51563140400026,574.46569975744046,594.90163758439985,609.25154144664623,631.81054628040124,649.65454088675381,672.43942867399971]
["Romania",null,4752.7470417928962,4847.5013665404695,4951.148604905562,5014.6706514915513,5018.1574760983412,4825.4134286724557,4817.490393023435,4941.8004212715359]
["Serbia",null,841.686359432578,1616.6867911390959,1662.1446554696759,1667.8849607365221,1664.0393698844659,1547.5404738905352,1525.0693885589324,1496.0899322814489]
["Southeastern Europe",null,12035.395315944315,10784.311356206819,11006.90678964893,11136.734364080243,11235.829838828819,11086.627984322222,11145.550835747834,11332.552835094823]
["Belarus",null,384.73915201010453,455.27296882849464,486.44207481673254,382.49191053398079,352.14867960416456,335.78057094070022,329.91827379743251,331.48929915461088]
["Russia",null,4624.3935922322835,7283.790196844192,7105.1191357715143,5093.7385584904405,4648.3758010413121,4071.6392877421072,3716.3953448835687,3735.3563998824716]
["Ukraine",null,735.23459039587806,757.52210216701235,623.51604170721043,544.76094448738911,512.92884028484025,506.35439656867231,486.42391798584754,477.77242097463119]
["Eastern Europe",null,5744.3673346382702,8496.5852678397168,8215.0772522954594,6020.9914135118106,5513.4533209303163,4913.774255251491,4532.7375366668593,4544.6181200117189]
["Group Corporates & Markets",null,6564.592053372392,7036.0438107105911,7356.2440017879153,8888.3900466878968,8885.6431154401726,8967.3910125233106,9078.4600189857556,8927.9801912268904]
["Corporate Center & Reconciliation",null,0,-3.2741809263825417E-11,3.2741809263825417E-11,3.2741809263825417E-11,-4.7293724492192268E-11,0,0,-9.822542779147625E-11]
["Total",null,48607.084035368258,50487.42159108445,50808.925321733353,50412.256446146486,50182.079306556298,49413.750921128143,48633.296836136062,48396.316045672]
[]
[]
[]
["hereof Non-Retail"]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Czech Republic",null,19311.80971977934,20163.984740047912,20459.873908812016,21078.034477138761,23161.011737659181,24000.460213145056,23732.484299699943,23350.254125616302]
["Hungary",null,9108.1245233348909,9526.6299854680165,9588.8369572975425,10029.463661307787,10770.888457626041,11153.948425742345,11439.257628185189,11157.608866414213]
["Poland",null,12.619294737909998,17.786640814070001,39.627661470590006,79.96842170055001,86.877857277238988,106.33908485786999,135.84922597990001,154.70723461937001]
["Slovakia",null,13775.183232694659,14317.169835968165,14675.152062702504,15958.08141175514,16087.893107510305,15906.851935789076,15662.363010522025,16345.655604129899]
["Central Europe",null,42207.736770546668,44025.571202298037,44763.490590282803,47145.547971901811,50106.671160072568,51167.599659533953,50969.954164387076,51008.225830779775]
["Albania",null,1865.3997533723107,1864.2268663605548,2056.1405839142312,2027.7313325545929,2080.7960118607866,2137.1100538619116,2255.8698823658106,2348.8616499269547]
["Bosnia and Herzegovina",null,1562.9300691750625,1556.5083677228115,1678.8309933369931,1692.7591758816545,1693.3441346184745,1777.4926702831851,1822.9385278793902,1950.3566447252119]
["Bulgaria",null,4378.3172711238949,0,0,0,0,0,0,0]
["Croatia",null,4178.4925917592891,4568.4613049379577,4977.0401109902896,5156.37358326294,4888.7783686762832,5307.0589655355852,5617.1388962918945,5542.0221609280379]
["Kosovo",null,726.24576602917841,750.5931148992488,785.59775721453013,765.96599642060914,755.91433921986015,786.77120987878016,802.25293605537729,822.41688856951987]
["Romania",null,9906.2996624582247,10092.743255037096,10623.908998903496,11367.072302423514,11777.246123748359,12097.831457533337,12299.359622745558,12893.022780486683]
["Serbia",null,4184.8539799005821,5097.9638015728706,5508.4607081136255,5500.9925769701731,5580.3837368457407,5702.6918236934889,5855.4615866332351,6117.4417442253989]
["Southeastern Europe",null,26802.539093818636,23930.496710530449,25629.979152473257,26510.894967513439,26776.462714969493,27808.956180786419,28653.02145197133,29674.121868861916]
["Belarus",null,1943.1257863991473,2453.8274290002519,2618.5090831956281,2385.7833645740848,2250.6668510088903,2043.4986028064907,2087.1803374942151,1870.2940393677345]
["Russia",null,17089.361788043287,29430.990211883,24698.93907422847,19866.81275022163,18581.206232012839,15897.418365346732,15356.899105961747,13944.801917030316]
["Ukraine",null,3397.5932809001692,4048.0143932058436,3760.6039225468485,4140.5688943977821,3825.9313080863394,4020.3935377047742,4432.82943565597,4381.7472860963489]
["Eastern Europe",null,22430.080855342647,35932.832034089086,31078.05207997097,26393.165009193563,24657.804391108035,21961.310505858,21876.908879111954,20196.843242494437]
["Group Corporates & Markets",null,91363.179765861176,96656.062249048875,104402.16803753225,95324.096939842289,96342.247626217286,93737.41131672656,91444.121020788953,87566.829708587684]
["Corporate Center & Reconciliation",null,178.9735121497599,183.81739721392,170.2320746875489,167.30878952066212,169.51632563567662,159.92326228973806,163.13665074555294,145.18829502441795]
["Total",null,182982.50999771888,200728.77959318037,206043.92193494685,195541.01367797176,198052.70221800305,194835.20092519466,193107.14216700487,188591.20894574822]
[]
[]
[]
["Total risk-weighted assets (RWA) "]
[]
["\n€ million",null,"31/3\n2022","30/6\n2022","30/9\n2022","31/12\n2022","31/3\n2023","30/6\n2023","30/9\n2023","31/12\n2023"]
["Czech Republic",null,10537.558197057502,10692.950414225228,10921.590349343773,11245.88507305542,11750.156307566125,11321.213282744209,11190.768674716563,10950.175714483054]
["Hungary",null,3930.9163945031723,3817.7186481552726,3873.0969449164377,3861.1003488494771,4489.4807229978978,4611.8824465563293,4428.0711199265115,4499.8232049236358]
["Poland",null,3254.5243380938464,2961.3136174278243,2844.4972239881063,2649.8315606015526,2450.874113642441,2296.21105364297,2065.8364105831292,1193.7467151844389]
["Slovakia",null,7489.0628418755196,7750.6457550333525,8001.3377211483757,7691.6062149814743,8045.4428001241058,8109.566127939881,7987.6323060357881,7987.7138816914812]
["Central Europe",null,25212.06177153005,25222.62843484167,25640.522239396694,25448.423197487929,26735.953944330573,26338.872910883387,25672.308511261988,24631.459516282612]
["Albania",null,1512.561850827783,1505.5890873678475,1623.4113419677176,1520.2427238753673,1533.9098096144073,1597.1527506253824,1605.1783071548969,1708.2974497373011]
["Bosnia and Herzegovina",null,1785.0150472281027,1813.4236320427815,1880.0019617333103,1707.3946253446716,1702.0677196029394,1692.1173227106685,1713.2534653488674,1650.6179018033849]
["Bulgaria",null,3084.8543928468225,0,0,0,0,0,0,0]
["Croatia",null,2624.3290552469471,2676.8561411431442,2699.3068025769653,2471.9124652468822,2465.7952566013441,2580.3116358406519,2621.7773380561994,2427.1215654019629]
["Kosovo",null,803.49571706328675,815.36985672563458,813.57464060451207,807.3565879769402,828.75233859613911,758.03383954768049,893.17132698903288,858.59059254777389]
["Romania",null,5630.7177130694581,6294.5381763223841,6944.3957013493537,6183.9845357778222,6774.7688332175885,6813.240359073453,6767.8836944271616,6674.4759867537377]
["Serbia",null,2797.7578984318502,3743.4802969251004,3932.3850411778362,3706.157080594312,3662.6889109806966,3753.581395957418,3806.9686634974641,3060.3794261598914]
["Reconciliation",null,0,0,2.3779839175404049E-3,0,0,103.73506953999822,0,0]
["Southeastern Europe",null,18238.731674714243,16849.257190526889,17893.077867393611,16397.048018815993,16967.982868613111,17298.172373295252,17408.232795473625,16379.482922404053]
["Belarus",null,1955.8573663142251,2273.6234079752671,2588.3168453703788,2173.104923626151,1981.8596611034707,1938.3200193330902,1728.0609563579244,1628.5658474219601]
["Russia",null,19848.06428190913,27091.765159292161,22549.650569256522,16299.558969674315,15595.643322161888,14327.241508034371,13724.194385924884,14025.052546089581]
["Ukraine",null,4718.9640916950557,5458.3677429502068,5063.569967965288,4809.6093746014785,4688.5632019430705,4926.2891498610434,5349.3257788001711,4864.9536371332097]
["Reconciliation",null,1.0913936421275139E-11,0,0,0,0,0,0,-37.359223062328056]
["Eastern Europe",null,26522.885739918423,34823.756310217635,30201.537382592189,23282.27326790195,22266.06618520843,21191.850677228507,20801.581121082982,20481.212807582422]
["Group Corporates & Markets",null,32217.958643929614,31210.91920419161,33051.160472459742,26901.713606192421,29272.779347578347,29352.00159219273,28447.735570732835,25938.349548729628]
["Corporate Center ",null,16885.685447869408,17027.638527321538,16328.760595606927,15007.829336513469,15445.163906138403,15501.786066077524,16877.082342600486,17577.616019939818]
["Reconciliation",null,-15060.627765012901,-16109.565426752666,-14619.554470507701,-9357.1329427680994,-12096.162715850433,-10475.419531943533,-11929.417697740606,-11344.395951554281]
["Total",null,104016.69551294883,109024.63424034667,108495.50408694147,97680.15448414367,98591.783536018425,99207.264087733856,97277.522643411314,93663.724863384254]

{"sheet":"NPE","index":11,"n_rows":74,"n_cols":9,"rows_kept":74,"cut":false,"hidden":false,"merged":[]}
["Non-performing exposure (incl. bonds)"]
[]
["€ million","31/3/2022","30/6/2022","30/9/2022","31/12/2022","31/3/2023","30/6/2023","30/9/2023","31/12/2023"]
[]
["NPE stock as of reporting date"]
[]
["Czech Republic",321.57931490394833,298.96718356331689,242.62180606314203,260.02387099192828,268.58294517091758,268.59908963961408,273.04097825111489,269.03817778002855]
["Hungary",195.19207435148115,170.49878619810161,158.70192545834283,164.63398870247684,167.37791102880018,145.77763194092415,127.64984578615257,140.30007989188414]
["Poland",189.82122803007439,182.12620222004077,179.1896601282059,175.24525580157274,165.04866032477364,173.00589260182844,161.41613926322287,141.35655872209679]
["Slovakia",246.75477165881634,256.19390191489367,261.74264522378917,231.16308381239247,242.58825992820539,248.64107752680448,252.83504171959433,232.38410062301236]
["Central Europe",953.3473889443203,907.78607389635295,842.25603687347996,831.06619930837019,843.59777645269673,836.0236917091712,814.94200502008482,783.07891701702169]
["Albania",78.356947475875685,77.868691292825247,77.388926138703255,72.881621064330631,71.281402167663003,71.481216605994234,72.036767239292502,73.044110828936695]
["Bosnia and Herzegovina",103.864574895918,100.72672999312752,96.106150291175339,73.245555553179557,66.691027581019895,65.249236328953515,63.683443059472602,64.035072802635895]
["Bulgaria",105.17735865611952]
["Croatia",139.54398728135146,139.81812803515811,139.52225476358112,121.2543662450778,113.52313227175017,114.79026411034731,114.17909921328767,116.9717384964886]
["Kosovo",24.938693589999996,25.663451759999997,26.319609570000001,25.917556650000002,25.513660279999996,31.154823199999992,32.33784953,34.083729699999999]
["Romania",230.54474782493841,217.88748843707626,224.04958250662236,215.23114138058244,211.66215739379206,209.62547491692169,227.21000970165306,220.95203711799303]
["Serbia",51.17344900014745,79.437966682668758,78.680936771975396,82.062361225112028,79.549141079822761,80.86688263236006,80.906251033193811,83.239973147113261]
["Southeastern Europe",733.59975872435052,641.40245620085591,642.06746004205741,590.59260211828246,568.22052077404783,573.16789779457679,590.35341977689961,592.32666209316744]
["Belarus",35.178304261543929,47.221169012940194,54.237321012806852,34.268526422550757,34.217890248296996,30.490040959749077,28.509011713227835,27.264438007763424]
["Russia",268.24448701831921,468.04587073319254,530.17135378813737,409.90172208052752,415.91563970839661,359.75387244979663,295.27249143479224,266.18002855156789]
["Ukraine",44.069317020355697,144.78065286198807,225.24852054688057,264.11863104731015,263.52653862308443,248.22140852031907,253.13307071246916,234.05581255785265]
["Eastern Europe",347.49210830021883,660.04769260812088,809.65719534782488,708.28887955038829,713.66006857977811,638.46532192986479,576.91457386048933,527.50027911718394]
["Group Corporates & Markets",799.5755196351264,857.60501525023847,822.96958869541686,962.16883229303869,872.48797000461911,872.09028814115879,915.23337967620625,1594.812156917056]
["Corporate Center ",0.39471203999999999,0.39471204000000004,0.39471204000000004,0.39471204000000004,0.39471203999999999,0.39471203999999999,0.39471204000000004,0.39471204000000004]
["Total",2834.4094876440158,3067.2359499955683,3117.3449929987792,3092.5112253100797,2998.3610478511418,2920.1419116147713,2897.8380903736797,3498.1127271844289]
[]
[]
[]
["NPE ratio"]
[]
["Czech Republic",1.2821656010749487E-2,1.149591657701542E-2,9.2192859993624216E-3,9.649588394894295E-3,9.1557129046248593E-3,8.9910662722351587E-3,9.2053052177657954E-3,9.2148494601704718E-3]
["Hungary",2.114055217168051E-2,1.8243517254595776E-2,1.7121645034710153E-2,1.6843011205527583E-2,1.6008323046998972E-2,1.3533495954494282E-2,1.1603514994059764E-2,1.2848487332798014E-2]
["Poland",6.2077033026040777E-2,7.2021884377184375E-2,7.4885008804664976E-2,7.9108627396827114E-2,7.5233188876668577E-2,8.9187360217121758E-2,8.9106237340824471E-2,9.1484975201947691E-2]
["Slovakia",1.3104754528587779E-2,1.3053318919289979E-2,1.3026669126895003E-2,1.0784897597520167E-2,1.1242948322986774E-2,1.1600958230443589E-2,1.1957656095775433E-2,1.0613011030091017E-2]
["Central Europe",1.6963097607643463E-2,1.5785501078728385E-2,1.450376538009516E-2,1.3766107763254987E-2,1.3272161578781147E-2,1.3059151984423508E-2,1.2809942969299423E-2,1.2320887674304976E-2]
["Albania",3.5789778907557093E-2,3.5586757138052712E-2,3.236994003638867E-2,3.1344171592459419E-2,3.0187351086540651E-2,2.8631323240774477E-2,2.7906855829012422E-2,2.665719644534021E-2]
["Bosnia and Herzegovina",4.8609882831643435E-2,4.7066077192531197E-2,4.2501397538521127E-2,3.2455482885705107E-2,2.9752452952088095E-2,2.8137349398978263E-2,2.6736107220311008E-2,2.5321109844931244E-2]
["Bulgaria",1.8774436147866971E-2]
["Croatia",2.6678233300703718E-2,2.4834729255402723E-2,2.308279178846068E-2,1.9141695085530385E-2,1.8733459361593902E-2,1.7995041135269389E-2,1.6905279734258205E-2,1.7626021091533162E-2]
["Kosovo",2.1215012906545053E-2,2.1006305427245631E-2,2.0837474324220829E-2,2.0531931922329244E-2,2.019687861831999E-2,2.4047493689025382E-2,2.4021315786419119E-2,2.4510558578543624E-2]
["Romania",2.0368098004956339E-2,1.8859688542984979E-2,1.8189939595201033E-2,1.7473342220643485E-2,1.650235239310564E-2,1.6016029211876885E-2,1.7054820280461E-2,1.602244607783633E-2]
["Serbia",1.4349230511364055E-2,1.6367842555235105E-2,1.5020713722489093E-2,1.5613840359794981E-2,1.5044347190288099E-2,1.537306843600871E-2,1.4937629399317243E-2,1.5355698502284075E-2]
["Southeastern Europe",2.34980720588795E-2,2.3250785262124887E-2,2.1753998519010883E-2,1.9850311516345871E-2,1.8915579575596916E-2,1.8585881483483738E-2,1.8563332687715931E-2,1.8221581451431705E-2]
["Belarus",1.71733938127651E-2,1.8453725725838623E-2,1.9371560170658973E-2,1.4112381244190052E-2,1.4577005375274649E-2,1.4509551665243882E-2,1.3173624287355827E-2,1.411161348888545E-2]
["Russia",1.415399501498301E-2,1.3528298099466254E-2,1.733160956172285E-2,1.6589179033294578E-2,1.6494496152376921E-2,1.6922819377004707E-2,1.4562593484446051E-2,1.3689232206072167E-2]
["Ukraine",1.2558486632838142E-2,3.4417836807049823E-2,5.6429849441909902E-2,6.5231982468587496E-2,6.4823455632838395E-2,5.9858009515795958E-2,5.5444663239390131E-2,5.6054554337846098E-2]
["Eastern Europe",1.4177910446962866E-2,1.5957443370808351E-2,2.1659389314834132E-2,2.2711645249555924E-2,2.2564111797307412E-2,2.321124789279596E-2,2.1362697673976593E-2,2.064415594058381E-2]
["Group Corporates & Markets",1.616093725518988E-2,1.5191729637580779E-2,1.4254191189458032E-2,1.786901912220407E-2,1.4373071196329143E-2,1.5846272815593702E-2,1.5722706441699555E-2,3.0274514144182706E-2]
["Total",1.592499940247747E-2,1.5643790205227937E-2,1.5354599371845664E-2,1.6011550947790637E-2,1.5234687398472337E-2,1.5237726860125032E-2,1.5300722725088294E-2,1.8857477042754631E-2]
[]
[]
[]
["NPE coverage ratio "]
[]
["Czech Republic",0.46522339064408064,0.46145004784366972,0.50198114592068377,0.51678763667032845,0.49937770082801369,0.47860479718167459,0.50830657737447815,0.50631933358062542]
["Hungary",0.45188696976072013,0.48139316314331548,0.44628809509051043,0.40960400420029114,0.3977925796226689,0.44286493161147394,0.49294599309908477,0.48990860912528983]
["Poland",0.82400537928886719,0.83827279731856374,0.85309677963911512,0.85643560684998044,0.8585215155407796,0.8293398614474915,0.83536504847333037,0.84040184674805485]
["Slovakia",0.70796833562978556,0.70125977494843594,0.65462903400208683,0.62251096337158984,0.59631303280221415,0.60055626160123288,0.60925024060089428,0.57421721469866305]
["Central Europe",0.596759647992116,0.60847517498053894,0.61362434533735222,0.59658267197054027,0.577363294731705,0.58122306537359025,0.60199893135427784,0.58383478592795779]
["Albania",0.78465787630291917,0.79485780449610444,0.78428819248915105,0.79017808823389579,0.75196775554334383,0.74895770584171284,0.75625318969456645,0.72381074120838373]
["Bosnia and Herzegovina",0.74265881391511412,0.75714763107273997,0.76532312216394871,0.79933177593952298,0.78286758944555401,0.79209535479369364,0.78872348269694781,0.75139055667661259]
["Bulgaria",0.61608538974495197]
["Croatia",0.65034250323537901,0.65540773780748296,0.66368655062884441,0.63715298172313195,0.683805709431763,0.60531114322731705,0.61664272607789383,0.59798818842125501]
["Kosovo",0.74263284614982128,0.75968311598626526,0.74417414695715034,0.76403598793715755,0.726798185618861,0.71587252660127465,0.68846507493783859,0.72102637288547688]
["Romania",0.71391353545377156,0.71211234345293206,0.70234462050536883,0.7014805572815731,0.67194306602192544,0.65728725029534851,0.66211978599684673,0.66297456185829873]
["Serbia",0.65041390897658868,0.41674868306042351,0.58482671772649175,0.61345830473855312,0.61602965581773927,0.62485041286579535,0.61000328614598232,0.62902700493982378]
["Southeastern Europe",0.69596831777563783,0.68219189023962479,0.70056132414892369,0.70186924711424203,0.69200625923251424,0.67226477875440749,0.67276848358072516,0.66577151297972759]
["Belarus",0.74053037935878829,0.74986947041265628,0.75118811621207549,0.76421517742199652,0.73478104048952397,0.75361843660144101,0.72585080142916936,0.71772812608233372]
["Russia",0.65382540364388719,0.60747139923402482,0.64779777810712158,0.67239797774221965,0.73491893984632284,0.680029452731297,0.76051952184510152,0.73502261257026069]
["Ukraine",0.96261909347052554,0.51467991424953696,0.47577744235481134,0.60442683413501597,0.65991060296485193,0.67921338858327773,0.75086221434849976,0.7381314273376447]
["Eastern Europe",0.70176450968295689,0.59730515145376228,0.60686723198812131,0.65149407017786209,0.70721470518085994,0.68322644162014212,0.75456897905524289,0.73550813214604993]
["Group Corporates & Markets",0.53448606855174841,0.55660836575298622,0.55676816044484756,0.47142062991067196,0.41321498220553271,0.42956504858974315,0.41936574596502146,0.35587402474855701]
["Total",0.61779914542134162,0.607034998126463,0.61481447851853877,0.59037633164443104,0.58228653213472092,0.5761594822252265,0.58929937832296009,0.51669878841672778]

{"sheet":"Funding","index":12,"n_rows":30,"n_cols":9,"rows_kept":30,"cut":false,"hidden":false,"merged":[]}
["Funding structure"]
[]
["€ million","31/3/2022","30/6/2022","30/9/2022","31/12/2022","31/3/2023","30/6/2023","30/9/2023","31/12/2023"]
[]
["Customer deposits",99326.546449471978,114824.839947542,113609.19502369199,108918.083310505,109083.76330147599,104254.140059271,103333.65023718201,103536.78371414999]
["hereof Households",55015.864558239999,60805.806219892991,60107.668388280996,58875.851371243996,59233.910171685988,58427.305640634986,57520.271786721991,58452.507359891002]
["hereof Non-financial corporations",44310.681891228,54019.033727644994,53501.526635407012,50042.231939257006,49849.853129790004,45826.834418636005,45813.378450460004,45084.276354258996]
["Long-term refinancing",34808.482722070003,31624.401646579998,34383.014878028996,32686.662319319999,31972.746282439999,32654.271047454997,33998.093203516997,34423.358479579001]
["Short-term refinancing",34293.759304963998,45123.794039936991,47911.655944226994,42940.468762574004,46521.035099088993,45828.926216454005,42618.993422244006,36302.112386186003]
[]
["Total funding",168428.78847650596,191573.03563405899,195903.86584594799,184545.21439239901,187577.54468300499,182737.33732317999,179950.73686294301,174262.254579915]
[]
["Equity",15800.940894163999,18091.362831368999,19384.559701120001,18764.329115375,19225.136884203999,19328.931547707001,19851.495290935003,19855.836239210999]
["Other",8383.1215334130011,4570.8786025450008,4545.2404103660001,3747.9092733680018,4174.114408188997,4056.9090403340006,4372.3763510619983,4138.7296455509977]
[]
["Total equity and liabilities",192612.850904083,214235.27706797296,219833.66595743396,207057.45278114203,210976.79597539801,206123.17791122102,204174.60850494,198256.820464677]
[]
[]
["Customer deposits",0.58972428257611664,0.59937892390492431,0.5799231910667364,0.59019727858622317,0.5815395626689811,0.5705136212797739,0.57423299308790632,0.59414348772050929]
["hereof Households",0.32664169264575654,0.31740273895353244,0.30682226779305921,0.31903212210128684,0.3157835884449165,0.31973381300452802,0.31964454711031004,0.33542838924470153]
["hereof Non-financial corporations",0.26308258993033651,0.28197618495137095,0.27310092327365687,0.27116515648491468,0.26575597422406461,0.25077980827524582,0.25458844597759622,0.25871509847580781]
["Long-term refinancing",0.20666587367233494,0.16507752013174043,0.17550962932536823,0.17712007557030582,0.17045081988077015,0.17869512342573049,0.18893000271185983,0.19753766277477364]
["Short-term refinancing",0.20360984375154856,0.23554355596333523,0.24456717960789534,0.23268264584347098,0.24800961745024866,0.25079125529449564,0.23683700420023382,0.20831884950471707]
[null,0,0,0,0,0,0,0,0]
["Total funding",1,1,1,1,1,1,1,1]
[]
["Additional information:"]
["Loans to non-financial corporations and households (in € mn)",89445.216904974004,93672.653697786998,94768.088583935009,89696.572728392988,89744.792303590992,88820.419594031002,87561.351222210025,86721.997976542014]
["Deposits from non-financial corporations and households (in € mn)",99326.546449296991,114824.83994753598,113609.19502369002,108918.08331350001,109083.763301054,104254.140059271,103333.65023718402,103536.78371415701]
["Loan/deposit ratio",0.90051673094899065,0.81578736570054433,0.83415861334264163,0.8235232387464847,0.82271448644386702,0.85196059881683783,0.84736531634398393,0.83759602013486312]

{"sheet":"Capital Basel III","index":13,"n_rows":111,"n_cols":17,"rows_kept":111,"cut":false,"hidden":false,"merged":[[53,5,53,6],[53,7,53,8],[53,15,53,16],[53,1,53,2],[53,3,53,4],[53,9,53,10],[53,11,53,12],[53,13,53,14]]}
["Regulatory total capital"]
[]
["€ million",null,"31/3/2022",null,"30/6/2022",null,"30/9/2022",null,"31/12/2022",null,"31/3/2023",null,"30/6/2023",null,"30/9/2023",null,"31/12/2023"]
[]
["Total capital"]
["Capital instruments and the related share premium accounts",null,5994.0797883400001,null,5994.0797883400001,null,5994.0797883400001,null,5991.2180903400013,null,5990.8543813400011,null,5990.9798983400005,null,5992.3086033400004,null,5989.8652933400008]
["Retained earnings",null,10307.293753442003,null,10326.219501294323,null,10434.683889940194,null,10482.149417748826,null,13994.876170600874,null,13800.840378837653,null,13876.157937846952,null,13517.612427637263]
["Accumulated other comprehensive income (and other reserves)",null,-3685.3827118630438,null,-2709.4154060710434,null,-2557.2243080750441,null,-3973.8975784770437,null,-4226.8512310577771,null,-4573.8749922587767,null,-5091.0254662357775,null,-5045.5549791047761]
["Minority interests (amount allowed in consolidated CET1)",null,578.14699639490914,null,567.65051181680269,null,571.83942101495643,null,606.50165332658753,null,672.68737380749678,null,680.58841038448236,null,682.60497314961481,null,695.1338702237382]
["Independently reviewed interim profits net of any foreseeable charge or dividend",null,-5.1827042602739741,null,1400.3806402315111,null,2293.0212563875375,null,3336.508334000237,null,208.86307812924463,null,715.06150645764228,null,715.06150645764228,null,1870.8399834568083]
["Common equity tier 1 (CET1) capital before regulatory adjustments",null,13188.955122053598,null,15578.915035611593,null,16736.400047607644,null,16442.47991693861,null,16640.429772819836,null,16613.595201761003,null,16175.107554558434,null,17027.896595553033]
["Additional value adjustments (negative amount)",null,-101.39378867903292,null,-114.42124677442364,null,-110.34192970411343,null,-93.409851433162345,null,-94.592776549176804,null,-72.317692105692217,null,-71.674808472753142,null,-65.538651305034477]
["Deductions for net new provisioning",null,-223.866693884,null,0,null,0,null,0,null,0,null,0,null,-169.41959262499998,null,0]
["Intangible assets (net of related tax liability) (negative amount)",null,-675.21484530147825,null,-687.17065853078475,null,-677.30229813078097,null,-605.11722550326124,null,-636.38487953674598,null,-605.83224454171147,null,-607.71817146368574,null,-620.48633297551908]
["Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability where the conditions in Article 38 (3) are met) (negative amount)",null,-13.838582086500001,null,-12.020552563499999,null,-12.563302342,null,-23.355704830000001,null,-19.599533440239131,null,-19.492822570673919,null,-16.316566722413043,null,-12.140928688706522]
["Fair value reserves related to gains or losses on cash flow hedges",null,97.469831149000001,null,108.032456224,null,78.615851358,null,51.088533228999999,null,28.923801595,null,13.996812241000001,null,65.718875128999997,null,51.929406065999999]
["Negative amounts resulting from the calculation of expected loss amounts",null,-17.643982028906347,null,-148.73680191262901,null,-2.3841857910156249E-13,null,0,null,0,null,0,null,0,null,0]
["Gains or losses on liabilities valued at fair value resulting from changes in own credit standing",null,33.678695674574286,null,-7.7448988837506878,null,-32.828765795999999,null,-4.481270791,null,-16.837875589000003,null,-2.1754374759999995,null,3.1368709770000001,null,-8.8976888579999986]
["Direct and indirect holdings by an institution of own CET1 instruments (negative amount)",null,-20,null,-20,null,-20,null,-20,null,-20,null,-20,null,-20,null,-20]
["Exposure amount of the following items which qualify for a risk weight of 1250%, where the institution opts for the deduction alternative",null,-80.044215804299995,null,-48.244729212199999,null,-40.490460270699998,null,-30.144516131,null,-36.234993174900005,null,-43.139318881899996,null,-49.677357967000006,null,-52.251245515299999]
["hereof: securitization positions (negative amount)",null,-80.044215804299995,null,-48.244729212199999,null,-40.490460270699998,null,-30.144516131,null,-36.234993174900005,null,-43.139318881899996,null,-49.677357967000006,null,-52.251245515299999]
["Other regulatory adjustments ",null,-31.764624280550443,null,-28.682110625485628,null,-33.446693928238517,null,-74.033366441691669,null,-53.489652310937821,null,-45.177757510399999,null,-64.876083241800004,null,-97.273195073099998]
["Total regulatory adjustments to common equity tier 1 (CET1)",null,-1032.6182052411937,null,-958.98854227877382,null,-848.35759881383308,null,-799.45340190111506,null,-848.21590900599961,null,-794.13846084537772,null,-930.82683438665185,null,-824.65863634966001]
["Common equity tier 1 (CET1) capital",null,12156.336916812403,null,14619.92649333282,null,15888.042448793811,null,15643.026515037494,null,15792.213863813839,null,15819.456740915624,null,15244.280720171781,null,16203.237959203372]
["Capital instruments and the related share premium accounts",null,1670.024229298763,null,1669.5806069023545,null,1669.8105267692106,null,1674.6480381451049,null,1675.4575033163353,null,1674.6730129096118,null,1669.6249106886069,null,1669.1616281750526]
["Amount of qualifying items referred to in Article 484 (4) and the related share premium accounts subject to phase out from AT1",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
["Qualifying tier 1 capital included in consolidated AT1 capital (including minority interests not included in row 5) issued by subsidiaries and held by third parties ",null,38.540487243393841,null,35.988016037052674,null,36.124242056401563,null,33.939961966989792,null,41.887371743436027,null,39.709664965829461,null,42.449818048394171,null,41.192017557268322]
["Additional Tier 1 (AT1) capital before regulatory adjustments",null,1708.5647165421569,null,1705.5686229394071,null,1705.9347688256121,null,1708.5880001120947,null,1717.3448750597713,null,1714.382677875441,null,1712.0747287370009,null,1710.3536457323207]
["Total regulatory adjustments to Additional Tier 1 (AT1) capital",null,-33,null,-33,null,-33,null,-33,null,-33,null,-33,null,-33,null,-33]
["Additional tier 1 (AT1) capital",null,1675.5647165421569,null,1672.5686229394071,null,1672.9347688256121,null,1675.5880001120947,null,1684.3448750597713,null,1681.382677875441,null,1679.0747287370009,null,1677.3536457323207]
["Tier 1 capital (T1 = CET1 + AT1)",null,13831.901633354559,null,16292.495116272228,null,17560.977217619424,null,17318.614515149591,null,17476.558738873609,null,17500.839418791067,null,16923.355448908784,null,17880.591604935697]
["Capital instruments and the related share premium accounts",null,2015.1251770768849,null,1937.5213111309909,null,2383.6717902033711,null,2362.0229665870861,null,2340.65105721295,null,2298.4151950191854,null,2280.0778740528808,null,2243.790701927091]
["Qualifying own funds instruments included in consolidated T2 capital (including minority interests and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties",null,52.758821688398264,null,54.00514481912699,null,52.106021978887028,null,50.913441916897717,null,37.969094271545359,null,34.625507005810157,null,30.535728721156133,null,29.405691182266569]
["Credit risk adjustments",null,119.30055734512662,null,0,null,0,null,282.07303770175196,null,294.61682814387063,null,292.96619307211796,null,286.00705122958027,null,252.61281383606939]
["Tier 2 (T2) capital before regulatory adjustments",null,2187.1845561104101,null,1991.5264559501177,null,2435.777812182258,null,2695.0094462057359,null,2673.236979628366,null,2626.0068950971136,null,2596.6206540036173,null,2525.8092069454269]
["Total regulatory adjustments to Tier 2 (T2) capital",null,-30.267250821467687,null,-30.167579408543265,null,-30.066812705366925,null,-312.07303770175196,null,-282.32503064376374,null,-273.16126540802549,null,-253.81393728873309,null,-238.71432123349891]
["Tier 2 (T2) capital",null,2156.9173052889423,null,1961.3588765415745,null,2405.7109994768912,null,2382.9364085039842,null,2390.9119489846025,null,2352.8456296890881,null,2342.8067167148843,null,2287.0948857119279]
["Total capital (TC = T1 + T2)",null,15988.818938643502,null,18253.853992813802,null,19966.688217096314,null,19701.550923653573,null,19867.470687858207,null,19853.685048480154,null,19266.162165623668,null,20167.686490647622]
["Total risk-weighted assets (RWA) ",null,104028.95258563924,null,109024.63424761681,null,108495.50408694136,null,97680.154484143713,null,98591.783536018411,null,99207.26408773374,null,97277.522643411372,null,93663.724863384268]
["Regulatory view: fully loaded capital ratios"]
["Common equity tier 1 ratio",null,0.11516962536443698,null,0.13213259499553545,null,0.14369543837988619,null,0.15567417712377388,null,0.15676704527478694,null,0.15612512930061942,null,0.15353626821943112,null,0.16982038345045061]
["Tier 1 ratio",null,0.1313070842260462,null,0.14750860563115381,null,0.15915339348032428,null,0.17286867605164474,null,0.17387326790205868,null,0.17309592621413369,null,0.17081473565248664,null,0.18774904480478422]
["Total capital ratio",null,0.15208047718327225,null,0.16553948013899175,null,0.18138221752505923,null,0.20021639044353867,null,0.20071800789543776,null,0.19929835257577816,null,0.19722646743798447,null,0.2144258986633612]
[]
["Transitional capital ratios, including result"]
["Common equity tier 1 ratio ",null,0.12250958135836516,null,0.13409745966336414,null,0.14643963897399984,null,0.16014539081811957,null,0.16017778862925719,null,0.15945865342003301,null,0.1652986350247109,null,0.17299373885500535]
["Tier 1 ratio ",null,0.13861629660345801,null,0.14943865878301144,null,0.16185903153689379,null,0.1772992129937806,null,0.1772618174869402,null,0.17640683451681755,null,0.18255930000784332,null,0.19090199147018663]
["Total capital ratio ",null,0.15935011398485779,null,0.16742809830162261,null,0.18403240194263068,null,0.20169451028920821,null,0.20151243821043219,null,0.20012329975073787,null,0.20664304158607893,null,0.21532014149622747]
[]
["IFRS9 transitional rules implemented from Q1 2022 "]
[]
[]
["Risk-weighted assets"]
[null,"31/3/2022",null,"30/6/2022",null,"30/9/2022",null,"31/12/2022",null,"31/3/2023",null,"30/6/2023",null,"30/9/2023",null,"31/12/2023"]
[null,"Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement","Risk-weighted\nexposure","Capital\nrequirement"]
["Total risk-weighted assets (RWA) ",104028.95258563923,8322.3162068511374,109024.63424761681,8721.9707398093451,108495.50408694135,8679.6403269553066,97680.154484143684,7814.4123587314953,98591.783536018527,7887.3426828814818,99207.264087738731,7936.5811270190989,97277.522643411372,7782.2018114729099,93663.724863384254,7493.0979890707395]
["Risk-weighted exposure amounts for credit, counterparty credit and dilution risks and free deliveries",85167.966281205387,6813.4373024964243,89452.017573574602,7156.1614058859614,84940.45910949097,6795.2367287592797,76208.310420298396,6096.6648336238713,77216.233531805818,6177.2986825444641,76792.701820333445,6143.4161456266775,75059.582623004258,6004.7666098403406,68067.636324282605,5445.4109059426082]
["Standardized approach (SA)",28597.611814024596,2287.7357248455919,31515.889086433799,2521.2711269146962,31274.56023912747,2501.9648191301985,29196.137470006397,2335.6909976005118,28113.428841160705,2249.0743072928558,27965.002974980467,2237.2002379984374,27391.740751407557,2191.3392601126047,25965.500684937702,2077.240054795016]
["Exposure classes excluding securitization positions",28596.696560569999,2287.7357248455996,31515.889086433799,2521.2711269147039,31274.56023912747,2501.9648191301976,29196.137470006397,2335.6909976005122,28113.428841160705,2249.0743072928562,27965.002974980467,2237.2002379984369,27391.740751407557,2191.3392601126047,25965.500684937702,2077.240054795016]
["Central governments or central banks",1632.8290568048999,130.62632454439199,2593.0976335507003,207.44781068405601,2477.5752164576002,198.20601731660801,2665.9723083269,213.277784666152,2174.6705966003997,173.97364772803201,2666.5190837173664,213.32152669738932,2697.7320202628898,215.81856162103119,5285.4953228950999,422.83962583160792]
["Regional governments or local authorities",100.89337125589999,8.0714697004720009,102.47278644320001,8.1978229154560012,114.8003611112,9.184028888896,128.06306926049999,10.24504554084,125.2155569821,10.017244558568001,122.3904122988,9.7912329839040009,127.2895471596,10.183163772768001,119.3214112271,9.5457128981679986]
["Public sector entities ",18.742618585099997,1.4994094868079999,18.1584771606,1.452678172848,18.062090704040003,1.4449672563232001,16.136676690000002,1.2909341352000001,15.907079622199999,1.2725663697759999,17.042186643400001,1.3633749314720001,15.601873846639998,1.2481499077311999,123.7182687296,9.8974614983680009]
["Multilateral development banks",0,0,0,0,0,0,0,0,392.45262115010001,31.396209692008004,147.70278647960001,11.816222918368002,218.12537906270001,17.450030325015998,35.468134361100006,2.8374507488880005]
["Institutions",233.75847997749997,18.700678398199997,317.29841468800004,25.383873175040005,366.62319466988004,29.329855573590404,241.37771405500001,19.310217124400001,192.64832986480002,15.411866389184,178.0428861087,14.243430888696,170.15424950549999,13.61233996044,188.2668190391,15.061345523128001]
["Corporates",8024.0199934757993,641.92159947806397,8686.4353165430002,694.91482532344003,8362.9024646101007,669.03219716880801,7273.6572739590993,581.89258191672798,7045.7139046063003,563.65711236850404,6973.4418302590002,557.87534642072001,6688.8858044622002,535.11086435697598,6412.4593271709,512.99674617367202]
["Retail",5504.0236791503012,440.3218943320241,7359.6710223091995,588.77368178473603,7086.6955252333,566.935642018664,6823.1097064199994,545.8487765136,6232.8831153789997,498.63064923031999,5905.8910678598004,472.47128542878403,5747.9126268123246,459.83301014498596,5130.9892506340002,410.47914005071999]
["Secured by mortgages on immovable  property",7353.8735539329991,588.30988431463993,6549.6728952137,523.97383161709604,6644.6663574287004,531.57330859429612,6460.8188432259003,516.86550745807199,6297.5336953692995,503.80269562954396,6118.1227011452002,489.44981609161601,5817.2795128002008,465.38236102401606,3249.0215750613997,259.92172600491199]
["Exposure in default ",290.69309389990002,23.255447511992003,432.93514659469997,34.634811727576,949.78238078084996,75.982590462467996,634.75401441999986,50.780321153599992,569.82402521690005,45.585922017352011,560.28268646930007,44.822614917544009,509.97290734310002,40.797832587447999,547.81158729859999,43.824926983887998]
["Items associated with particular high risk",242.79907884030001,19.423926307224001,210.7734361471,16.861874891768,250.44887792150001,20.035910233720003,233.29895507000001,18.663916405600002,228.28607143070002,18.262885714456001,200.93059305829999,16.074447444663999,194.62514418759997,15.570011535007998,56.097569425800003,4.4878055540639998]
["Covered bonds",5.5914008031,0.44731206424800002,5.4817345000999991,0.43853876000799996,5.5389711659000005,0.44311769327200007,3.9110181989999999,0.31288145592,3.8499934819999999,0.30799947855999998,3.7235556879999998,0.29788445504,3.7398752719999999,0.29919002175999998,0,0]
["Collective investments undertakings (CIU)",104.3268182867,8.3461454629359988,83.378358529499991,6.6702686823599997,94.159760130199999,7.532780810415999,66.071344529800001,5.2857075623840002,78.504604945200001,6.2803683956160006,83.968225843399992,6.7174580674720001,87.058829521400014,6.9647063617120013,81.100470759800004,6.4880376607839993]
["Equity",1897.1838634603,151.77470907682402,1787.3581013597,142.98864810877598,1602.4557745215002,128.19646196172002,1537.30869241,122.98469539280002,1560.1564627688001,124.81251702150401,1612.0185599131,128.96148479304802,1642.3559616784999,131.38847693427999,1620.189955481,129.61519643848001]
["Other items",3187.9615520970997,255.03692416776798,3369.1557633941998,269.53246107153598,3300.8492643927002,264.06794115141599,3111.6578534402001,248.93262827521602,3195.7827837428999,255.66262269943201,3374.9263994964999,269.99411195971999,3471.0070194928999,277.68056155943202,3115.5609928541999,249.24487942833599]
["Securitization positions",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Internal ratings based approach (IRB)",56571.269720635399,4525.7015776508324,57936.128487140799,4634.8902789712638,53665.898870363504,4293.2719096290803,47012.172950291999,3760.97383602336,49102.804690645105,3928.2243752516083,48827.698845352999,3906.2159076282401,47667.841871596698,3813.4273497277363,42102.135639344902,3368.1708511475922]
["IRB approaches when neither own estimates of LGD nor conversion factors are used",47907.946810314301,3832.6357448251438,49857.660629132697,3988.6128503306159,45391.105400792898,3631.2884320634321,38960.375245793504,3116.8300196634805,40315.187744887,3225.2150195909603,39720.005837988996,3177.6004670391194,38578.492662591692,3086.2794130073357,32525.675333521704,2602.0540266817361]
["Central governments and central banks",4889.1200142273992,391.12960113819202,6499.7838097271006,519.98270477816811,3561.2646778972999,284.90117423178395,2656.6826514997001,212.53461211997603,4013.0847747022999,321.04678197618398,3928.2309953755998,314.25847963004799,4411.4591024715992,352.91672819772793,0,0]
["Institutions",1897.1464341145997,151.771714729168,3362.3530933909997,268.98824747127998,2998.3466251234004,239.86773000987202,3110.9782402913997,248.878259223312,3206.6524229329002,256.53219383463198,3714.780357483,297.18242859864,3682.6859692939997,294.61487754351998,3013.7925610996999,241.10340488797601]
["Corporates - SME",4208.9803927101993,336.71843141681597,3970.9145854515,317.67316683612,3824.7029589844997,305.97623671875999,3374.682534732,269.97460277856004,3313.7440073839998,265.09952059071998,2879.6006336082,230.36805068865601,2788.1163409092001,223.049307272736,2766.7412284177999,221.33929827342396]
["Corporates - Specialized lending",3830.0116534249,306.400932273992,3898.3192156323998,311.86553725059201,3883.0034002027996,310.640272016224,3826.5790942289,306.12632753831201,4052.0445069940001,324.16356055952002,4020.8944875669999,321.67155900536,4081.0519017247998,326.48415213798398,4299.0848150704005,343.92678520563197]
["Corporates - Other",33082.688315837098,2646.615065266968,32126.289924930697,2570.103193994456,31123.787738585001,2489.9030190868002,25991.452725041599,2079.3162180033278,25729.662032873799,2058.3729626299037,25176.499363955103,2014.1199491164084,23615.179348192003,1889.2143478553603,22446.0567289338,1795.6845383147042]
["IRB approaches when own estimates of LGD and/or conversion factors are used",7911.3518693424994,632.90814954739994,7324.5957236652002,585.96765789321603,7582.3030016191997,606.58424012953594,7301.7437783426985,584.13950226741588,8122.104731652199,649.76837853217592,8237.6586114598995,659.01268891679206,8239.5260015463009,659.16208012370407,8616.2738214706987,689.30190571765604]
["Retail - Secured by real estate SME",231.4455322357,18.515642578855999,63.621004104099995,5.0896803283279999,69.290660862299987,5.5432528689839993,71.787234676099999,5.7429787740879989,85.876364808900007,6.8701091847120006,98.885902474800005,7.9108721979840011,102.3170690739,8.1853655259119993,100.93339463420001,8.0746715707360011]
["Retail - Secured by real estate non-SME",3422.2486395728001,273.77989116582404,3217.5920517270997,257.40736413816796,3416.975050475,273.35800403799999,3057.2081038516999,244.57664830813599,3286.1797560970999,262.89438048776799,3075.0960490075995,246.007683920608,3000.9351662798999,240.07481330239199,3432.6140180897,274.60912144717605]
["Retail - Qualifying revolving",280.89340525840004,22.471472420672001,404.4178031349,32.353424250791996,409.11367303960003,32.729093843168002,423.1301370484,33.850410963872001,572.27474050700005,45.781979240560005,622.80202889979989,49.82416231198399,631.61807736189996,50.529446188952001,569.47219922570002,45.557775938055997]
["Retail - Other SME",449.85848059759996,35.988678447807999,360.73721423199999,28.85897713856,346.76896353039996,27.741517082431997,376.08210724010002,30.086568579208002,447.80977298839997,35.824781839071996,474.30383999930001,37.944307199943999,476.63884837070003,38.131107869655999,367.35036671339998,29.388029337071998]
["Retail - Other non-SME",3526.9058116779997,282.15246493423996,3278.2276504670999,262.25821203736803,3340.1546537119002,267.21237229695203,3373.5361955264002,269.88289564211203,3729.9640972508,298.39712778006401,3966.5707910783003,317.32566328626399,4028.0168404599999,322.24134723679998,4145.9038428077001,331.67230742461606]
["Equity",422.82625572909996,33.826100458328,487.67598492349998,39.014078793879996,433.21502679460002,34.657202143568,408.92282715189998,32.713826172151997,375.56678868430004,30.045343094744002,577.86416741929997,46.229133393543997,587.80606449929996,47.024485159944,660.65320548119996,52.852256438495999]
["Simple risk weight approach",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Other equity exposure",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["PD/LGD approach",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Securitization positions",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Other non credit-obligation assets",329.14478524949993,26.331582819959998,266.1961494194,21.295691953552002,259.27544115680001,20.742035292543999,341.13109900390003,27.290487920312003,289.94542542160002,23.195634033728002,292.17022848479996,23.373618278783997,262.01714295940002,20.961371436752,299.53327887129996,23.962662309703997]
["Total risk exposure amount for settlement/delivery",11.341810485629203,0.90734483885033623,106.72134331249998,8.5377074649999987,85.642038894999985,6.8513631115999996,18.516787977500002,1.4813430382000001,17.86020925,1.42881674,37.880230440786399,3.0304184352629124,14.639556865000001,1.1711645492,21.40697596375,1.7125580771000002]
["Settlement/delivery risk in the non-trading book",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Settlement/delivery risk in the trading book",11.341810485629203,0.90734483885033623,106.72134331249998,8.5377074649999987,85.642038894999985,6.8513631115999996,18.516787977500002,1.4813430382000001,17.86020925,1.42881674,37.880230440786399,3.0304184352629124,14.639556865000001,1.1711645492,21.40697596375,1.7125580771000002]
["Total risk exposure amount for position, foreign exchange and commodities risk",5524.1489523800001,441.93191619039999,6113.18267715,489.05461417199996,7357.1545735800009,588.57236588640012,6888.5829976700006,551.08663981359996,6726.2453199399997,538.0996255952,7967.5754221800007,637.40603377440004,7822.57260812,625.80580864960007,8573.1421965499994,685.85137572400015]
["Risk exposure amount for position, foreign exchange and commodities risks under standardized approaches (SA)",4027.9661573800004,322.23729259040005,4614.7147146500001,369.17717717200003,5434.4332860799996,434.75466288640001,5633.6067447200003,450.68853957760001,5222.0317472399993,417.76253977919998,6325.4469137300002,506.03575309839999,6518.7084498899994,521.49667599119994,7269.8447538800001,581.58758031039997]
["Traded debt instruments",1535.36512277,122.8292098216,1755.19203502,140.41536280160003,1578.4090665199999,126.27272532159999,961.53011959000003,76.922409567199992,979.22742254999991,78.338193803999999,991.15456903999996,79.292365523200004,1008.5544159,80.68435327200001,916.90965123000001,73.35277209840001]
["Equity",80.570056469999997,6.4456045175999996,86.873202710000001,6.9498562167999998,87.119757709999988,6.9695806167999992,74.243675989999986,5.9394940791999993,74.82097641,5.9856781128000005,86.432933700000007,6.9146346960000011,104.50684223,8.3605473783999997,57.819530649999997,4.6255624520000005]
["Particular approach for position risk in CIUs",0.40208398000000001,3.2166718400000002E-2,1.0122395399999999,8.0979163199999996E-2,1.1433730099999999,9.1469840799999994E-2,0.78048049000000008,6.2438439200000008E-2,1.6347953900000001,0.1307836312,1.98656823,0.1589254584,1.35049723,0.10803977840000001,1.3480914499999999,0.10784731599999998]
["Foreign exchange",2403.1401474899999,192.25121179919998,2762.9331336099999,221.03465068880001,3759.8995440500003,300.79196352400004,4590.8512845600007,367.26810276480006,4146.4257977699999,331.71406382160001,5229.7150484999993,418.37720387999997,5384.7835206099999,430.78268164880001,6291.7975093900004,503.34380075120004]
["Commodities",8.4887466700000012,0.67909973360000009,8.7041037699999997,0.69632830160000003,7.8615447899999999,0.62892358320000008,6.2011840899999999,0.49609472719999997,19.922755120000001,1.5938204096000002,16.157794259999999,1.2926235408,19.51317392,1.5610539136000001,1.9699711599999998,0.15759769279999999]
["Risk exposure amount for position, foreign exchange and commodities risks under internal models (IM)",1496.1827949999999,119.69462359999999,1498.4679624999999,119.87743699999999,1922.7212875,153.81770299999999,1254.9762529500001,100.39810023600002,1504.2135727000002,120.33708581600001,1642.12850845,131.37028067599999,1303.8641582299999,104.30913265839999,1303.29744267,104.26379541359999]
["Total risk exposure amount for operational risk",11827.39285,946.19142799999997,11445.893340328315,915.67146722626524,14205.442921547892,1136.4354337238312,12667.071693468415,1013.3657354774731,12751.594849636807,1020.1275879709447,12404.450887491894,992.35607099935146,12172.603164329917,973.80825314639344,14785.728606097888,1182.8582884878308]
["OpR standardized (STA) /alternative standardized (ASA) approaches",3717.1671499999998,297.37337199999996,3717.1671499999998,297.37337199999996,3714.3104465491383,297.14483572393107,12667.071693468415,1013.3657354774731,12751.594849636807,1020.1275879709447,12404.450887491894,992.35607099935146,12172.603164329917,973.80825314639344,14785.728606097888,1182.8582884878308]
["OpR advanced measurement approaches (AMA)",8110.2257,648.81805599999996,8110.2257,648.81805599999996,10491.132474998747,839.29059799989989,0,0,0,0,0,0,0,0,0,0]
["Total risk exposure amount for credit valuation adjustments",259.78787680599999,20.783030144479998,434.8196999123,34.785575992984,436.38942630769998,34.911154104615996,279.95201017440002,22.396160813952001,278.35071616469997,22.268057293176,296.3590724737,23.708725797896001,240.74981720050002,19.259985376040003,200.68987832670001,16.055190266136002]
["Standardized method",259.78787680599999,20.783030144479998,434.8196999123,34.785575992984,436.38942630769998,34.911154104615996,279.95201017440002,22.396160813952001,278.35071616469997,22.268057293176,296.3590724737,23.708725797896001,240.74981720050002,19.259985376040003,200.68987832670001,16.055190266136002]
["Other risk exposure amounts",1238.3148147622003,99.06518518097603,1471.9996133390998,117.75996906712798,1470.4160171198002,117.63328136958401,1617.720574555,129.41764596440001,1601.4989092211999,128.11991273769601,1708.2966548189002,136.66373238551199,1967.3748738917,157.38998991133602,2015.1208821632999,161.20967057306399]
["Of which: Risk-weighted exposure amounts for credit risk: securitization positions (revised securitization framework)",1238.3148147622003,99.06518518097603,1471.9996133390998,117.75996906712798,1470.4160171198002,117.63328136958401,1617.720574555,129.41764596440001,1601.4989092211999,128.11991273769601,1708.2966548189002,136.66373238551199,1967.3748738917,157.38998991133602,2015.1208821632999,161.20967057306399]

{"sheet":"RBI Overview","index":14,"n_rows":63,"n_cols":21,"rows_kept":63,"cut":false,"hidden":false,"merged":[[62,0,62,3],[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["RBI Overview",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",5683.2672110989997,5052.6731100610004,630.59410103799928,0.12480405664525285,null,1493.5252694940004,1441.0466304239997,52.478639070000781,3.6417030484683144E-2,null,null,1493.5252694940004,1441.0466304239997,1363.964282464,1384.7310287170001,1461.6098669739999,null,null,5052.6731100610004,3327.4462372170001]
["Dividend income",35.492593628000002,64.303165204999999,-28.810571576999997,-0.44804282161152131,null,8.2557610879999999,10.06018596,-1.8044248720000002,-0.17936297392260137,null,null,8.2557610879999999,10.06018596,6.59527603,10.581370550000001,24.108585193,null,null,64.303165204999999,41.872089155000005]
["Current income from investments in associates",84.540628385000005,63.794424165999999,20.746204219000006,0.32520403609281168,null,13.171961202,20.640731829,-7.4687706269999996,-0.36184621208568102,null,null,13.171961202,20.640731829,20.855980918,29.871954435999999,8.4232429839999998,null,null,63.794424165999999,45.742926173000001]
["Net fee and commission income",3041.5229633919998,3878.2539302589998,-836.73096686700001,-0.21574940215715088,null,677.10745488900011,666.74880850599993,10.358646383000178,1.5536055334258503E-2,null,null,677.10745488900011,666.74880850599993,731.98115042099994,965.68554957599997,1196.2929433720001,null,null,3878.2539302589998,1984.7956820459999]
["Net trading income and fair value result",186.00134206700005,662.93539472700013,-476.93405266000008,-0.71942764929062775,null,-19.086331883999975,88.831170272000008,-107.91750215599998,"–",null,null,-19.086331883999975,88.831170272000008,29.893227495000019,86.363276183999986,191.51929175800001,null,null,662.93539472700013,52.875503169000012]
["Net gains/losses from hedge accounting",-27.696867749000003,-40.938618340000005,13.241750591000002,-0.32345377367222605,null,-16.062961271999999,5.4240096100000006,-21.486970882000001,"–",null,null,-16.062961271999999,5.4240096100000006,-7.4321354340000001,-9.6257806530000014,-20.262949264,null,null,-40.938618340000005,-2.1408409550000003]
["Other net operating income ",62.324199806999935,28.968010542999991,33.356189263999944,1.1514836068733874,null,4.887613276999959,14.713859631999993,-9.8262463550000341,-0.66782248850802683,null,null,4.887613276999959,14.713859631999993,51.438625965999996,-8.7158990679999917,-1.1846213119999618,null,null,28.968010542999991,119.794304528]
["Operating income",9065.4520706289986,9709.9894166209997,-644.53734599200106,-6.6378789753232859E-2,null,2161.7987667940006,2247.4653962330003,-85.666629438999735,-3.8116995964692646E-2,null,null,2161.7987667940006,2247.4653962330003,2197.2964078600003,2458.8914997419997,2860.5063597050002,null,null,9709.9894166209997,5570.3859013329993]
["Staff expenses",-2208.5631273860004,-2009.6434383540002,-198.91968903200018,9.8982578319926073E-2,null,-548.42144224100002,-491.47277892,-56.948663321000026,0.11587348427748823,null,null,-548.42144224100002,-491.47277892,-606.49106448800001,-562.17784173699999,-577.65995577900003,null,null,-2009.6434383540002,-1578.967440507]
["Other administrative expenses",-1224.2927517339999,-1081.4272950599998,-142.86545667400014,0.13210824003297761,null,-353.61389999599999,-271.09876496599998,-82.51513503000001,0.30437296547753978,null,null,-353.61389999599999,-271.09876496599998,-323.00475370000004,-276.57533307199998,-277.65790713300004,null,null,-1081.4272950599998,-992.21547917400005]
["Depreciation ",-474.96917037100002,-461.26482691699999,-13.704343454000025,2.9710358679626792E-2,null,-132.20089081999998,-115.67999145,-16.520899369999981,0.14281553069737862,null,null,-132.20089081999998,-115.67999145,-115.67866213799999,-111.409625963,-122.923551585,null,null,-461.26482691699999,-406.97124536699999]
["General administrative expenses",-3907.8250494910003,-3552.3355603309997,-355.48948916000063,0.10007204643890022,null,-1034.2362330569999,-878.25153533599996,-155.98469772099997,0.17760822662419096,null,null,-1034.2362330569999,-878.25153533599996,-1045.1744803260001,-950.16280077200008,-978.24141449700005,null,null,-3552.3355603309997,-2978.1541650479999]
["Operating result",5157.6270211379979,6157.6538562900005,-1000.0268351520026,-0.16240387304825232,null,1127.5625337370006,1369.2138608970004,-241.65132715999971,-0.1764891037559968,null,null,1127.5625337370006,1369.2138608970004,1152.1219275340002,1508.7286989699996,1882.2649452080002,null,null,6157.6538562900005,2592.2317362849994]
["Other result",-905.64029009100011,-667.42425428299998,-238.21603580800013,0.35691845820603363,null,-316.86707618599996,-138.47304931399998,-178.39402687199998,1.2882942042207479,null,null,-316.86707618599996,-138.47304931399998,-354.26874891800003,-96.031415672999998,-441.96790452900001,null,null,-667.42425428299998,-295.072210713]
["Net modification gains/losses",-27.200110000999999,-11.484339952000001,-15.715770048999998,1.3684521805071692,null,-21.596367431999997,1.4706592519999999,-23.067026683999998,"–",null,null,-21.596367431999997,1.4706592519999999,-8.9080876939999989,1.8336858729999999,-8.3159598779999993,null,null,-11.484339952000001,-14.418074730000001]
["Impairment or reversal of impairment on investments in subsidiaries and associates",20.983330522999999,-67.306504097000001,88.289834619999993,"–",null,-2.7268294559999999,32.602744657000002,-35.329574113,"–",null,null,-2.7268294559999999,32.602744657000002,-1.0335162410000001,-7.8590684370000004,-28.254049346000002,null,null,-67.306504097000001,53.739028274999995]
["Impairment on non-financial assets",-25.259219260999998,-88.064144357999993,62.804925096999995,-0.71317248983518478,null,-22.772296386000001,3.3166044929999998,-26.088900879000001,"–",null,null,-22.772296386000001,3.3166044929999998,-0.70987039699999999,-5.0936569709999997,-83.488140643999998,null,null,-88.064144357999993,4.6664743150000003]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",3.509208648,9.6172921240000004,-6.1080834760000009,-0.63511468688335326,null,3.0454490879999998,3.3211284000000001E-2,3.0122378039999997,">500,0%",null,null,3.0454490879999998,3.3211284000000001E-2,0.20165441399999998,0.228893862,1.163781339,null,null,9.6172921240000004,-12.919305573000001]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-5.4342000000000001E-2]
["Expenses for credit-linked, portfolio-based litigations and annulments",-877.6735000000001,-510.18655799999999,-367.48694200000011,0.72029914594496258,null,-272.81703199999998,-175.89626899999999,-96.920762999999994,0.5510109085940873,null,null,-272.81703199999998,-175.89626899999999,-343.81892900000003,-85.141269999999992,-323.07353599999999,null,null,-510.18655799999999,-326.08599099999998]
["Governmental measures and compulsory contributions",-283.62043062999999,-337.47755077900001,53.857120149000025,-0.15958726743358642,null,-24.275311970000001,-22.107950004999996,-2.1673619650000049,9.8035410995132022E-2,null,null,-24.275311970000001,-22.107950004999996,-1.6995138980000031,-235.53765475700001,-52.408544773999999,null,null,-337.47755077900001,-212.83798596700001]
["Bank levies",-95.375347070999993,-87.152038501000007,-8.2233085699999862,9.435589472649708E-2,null,-1.0938570220000001,-0.75910078700000005,-0.33475623500000007,0.44099049919704547,null,null,-1.0938570220000001,-0.75910078700000005,-2.0012916229999997,-91.521097639000004,-6.0031511359999996,null,null,-87.152038501000007,-38.888868529]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-74.052413126000005,-89.403520020000002,15.351106893999997,-0.17170584436234593,null,-1.8803559999999999E-3,-2.4984791000000003E-2,2.3104435000000003E-2,-0.92473997481107606,null,null,-1.8803559999999999E-3,-2.4984791000000003E-2,22.443326044999999,-96.468874024000002,-8.8934497000000001E-2,null,null,-89.403520020000002,-75.10440289200001]
["Deposit insurance fees",-113.78004971199999,-134.73040749399999,20.950357781999998,-0.15549836278000562,null,-23.066894769000001,-21.177620565999998,-1.8892742030000029,8.9210881699957056E-2,null,null,-23.066894769000001,-21.177620565999998,-22.064950974000002,-47.470583402999999,-27.717293872999999,null,null,-134.73040749399999,-98.844714546000006]
["Contribution to borrowers´ support fund",0,-25.745495456,25.745495456,"–",null,0,0,0,"–",null,null,0,0,0,0,-18.48654947,null,null,-25.745495456,0]
["Insurance industry funds",-0.41262072100000002,-0.44608930800000002,3.3468586999999994E-2,-7.5026651389725751E-2,null,-0.112679823,-0.146243861,3.3564038000000004E-2,-0.22950732954185338,null,null,-0.112679823,-0.146243861,-7.6597346000000011E-2,-7.7099691000000012E-2,-0.11261579799999999,null,null,-0.44608930800000002,0]
["Impairment losses on financial assets ",-392.829710917,-949.40626737900004,556.5765564620001,-0.58623644648831497,null,-141.85019995100001,7.7262353590000004,-149.57643531000002,"–",null,null,-141.85019995100001,7.7262353590000004,41.896772194000008,-300.602518519,-228.06829850899999,null,null,-949.40626737900004,-294.63473398299999]
["Profit/loss before tax",3575.5365895,4203.3457838490003,-627.80919434900034,-0.14935939764016182,null,644.56994563000001,1216.359096937,-571.789151307,-0.47008252147483642,null,null,644.56994563000001,1216.359096937,838.0504369119999,876.55711002099997,1159.8201973959999,null,null,4203.3457838490003,1789.6868056220001]
["Income taxes",-997.29406106400006,-859.15524318600001,-138.13881787800005,0.16078446703734328,null,-340.71682012999997,-268.91997983700003,-71.796840292999946,0.26698217193277363,null,null,-340.71682012999997,-268.91997983700003,-211.45379005300001,-176.203471044,-270.14998161900002,null,null,-859.15524318600001,-367.80584200499999]
["Profit/loss after tax from continuing operations",2578.2425284359997,3344.1905406630003,-765.94801222700062,-0.22903838848702329,null,303.85312549999998,947.43911709999998,-643.58599159999994,-0.67929007783628492,null,null,303.85312549999998,947.43911709999998,626.59664685899997,700.35363897699995,889.67021577699995,null,null,3344.1905406630003,1421.8809636170001]
["Gains/losses from discontinued operations",0,452.90588732099997,-452.90588732099997,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,452.90588732099997,85.735823154000002]
["Profit/loss after tax",2578.2425284359997,3797.096427984,-1218.8538995480003,-0.32099629879432079,null,303.85312549999998,947.43911709999998,-643.58599159999994,-0.67929007783628492,null,null,303.85312549999998,947.43911709999998,626.59664685899997,700.35363897699995,889.67021577699995,null,null,3797.096427984,1507.6167867709999]
[]
["Return on equity before tax",0.19763071824786121,0.26626779740364853,-6.8637079155787317,-0.25777461572544946,null,0.146958026402914,0.27445913140852835,-12.750110500561435,-0.46455406439303648,null,null,0.146958026402914,0.27445913140852835,0.18305191935853021,0.18709406428796674,0.29191838086484462,null,null,0.26626779740364853,0.12591970480966569]
["Return on equity after tax",0.14250726008742706,0.24053326906708797,-9.8026008979660908,-0.40753617726086833,null,6.9276664142620917E-2,0.21378005705431671,-14.450339291169579,-0.67594421529684934,null,null,6.9276664142620917E-2,0.21378005705431671,0.1368649353537694,0.14948485073828799,0.22392357839292326,null,null,0.24053326906708797,0.1060736773383783]
["Consolidated return on equity",0.14804904813271796,0.2678764537376408,-11.982740560492283,-0.44732339827927636,null,6.6097888265392812E-2,0.22664052863506692,-16.05426403696741,-0.70835803876974446,null,null,6.6097888265392812E-2,0.22664052863506692,0.1411127448433423,0.15751797516671523,0.24122712700768459,null,null,0.2678764537376408,0.10901655391408527]
["Net interest margin (avg. interest bearing assets)",2.8697033041720381E-2,2.5939156541923959E-2,0.27578764997964222,0.10632097829931464,null,3.0568909255782168E-2,2.9539974243370716E-2,0.1028935012411452,3.4831953607487032E-2,null,null,3.0568909255782168E-2,2.9539974243370716E-2,2.7360261432180358E-2,2.7498948091209667E-2,2.8468007295841459E-2,null,null,2.5939156541923959E-2,2.0138599482503992E-2]
["Cost/income ratio",0.431067862809831,0.36584340187336528,6.5224460936465718,0.17828519143019239,null,0.47841466511279285,0.39077421917509669,8.764044593769615,0.22427386873857857,null,null,0.47841466511279285,0.39077421917509669,0.47566385517551574,0.38641916525055942,0.34198190511902399,null,null,0.36584340187336528,0.53464054695659846]
["Loan/deposit ratio",0.83759602013486312,0.8235232387464847,1.4072781388378419,1.7088505492327322E-2,null,0.83759602013486312,0.84736531634398382,-0.97692962091207036,-1.1529025345610067E-2,null,null,0.83759602013486312,0.84736531634398382,0.85196059881683794,0.82271448644386713,0.8235232387464847,null,null,0.8235232387464847,0.87164279373254061]
["Provisioning ratio (avg. loans and advances to customers)",3.3582842889349003E-3,7.2970210469413066E-3,-0.39387367580064059,-0.53977324892839751,null,6.0514259374211928E-3,2.7441691894446186E-5,0.60239842455267467,">500,0%",null,null,6.0514259374211928E-3,2.7441691894446186E-5,-1.9270413646757455E-3,9.2946714913304859E-3,8.9804493075571392E-3,null,null,7.2970210469413066E-3,3.039356563146529E-3]
["NPE ratio",1.8857477042754631E-2,1.6011550947790637E-2,0.28459260949639936,0.17774206285473482,null,1.8857477042754631E-2,1.5300722725088294E-2,0.35567543176663363,0.23245662192377337,null,null,1.8857477042754631E-2,1.5300722725088294E-2,1.5237726860125032E-2,1.5234687398472337E-2,1.6011550947790637E-2,null,null,1.6011550947790637E-2,1.5789614153187245E-2]
["NPE coverage ratio",0.51669878841672778,0.59037633164443104,-7.3677543227703257,-0.12479758973819666,null,0.51669878841672778,0.58929937832296009,-7.2600589906232305,-0.12319814440130672,null,null,0.51669878841672778,0.58929937832296009,0.5761594822252265,0.58228653213472092,0.59037633164443104,null,null,0.59037633164443104,0.62512001408850271]
[]
["Assets",198240.70895780198,207057.45277568398,-8816.7438178820012,-4.2581146921736868E-2,null,198240.70895780198,204174.60850478901,-5933.8995469870279,-2.9062867270529646E-2,null,null,198240.70895780198,204174.60850478901,206123.17791084599,210976.795975268,207057.45277568398,null,null,207057.45277568398,192100.50430498598]
["Total risk-weighted assets (RWA) ",93663.724863384254,97680.15448414367,-4016.4296207594161,-4.1118174331014168E-2,null,93663.724863384254,97277.522643411314,-3613.7977800270601,-3.7149360734381576E-2,null,null,93663.724863384254,97277.522643411314,99207.264087733856,98591.783536018425,97680.15448414367,null,null,97680.15448414367,89928.197172550004]
["Equity",19849.404732792002,18764.329115375,1085.0756174170019,5.7826507451733011E-2,null,19849.404732792002,19851.495290935003,-2.0905581430015445,-1.0530985763856915E-4,null,null,19849.404732792002,19851.495290935003,19328.931547707001,19225.136884203999,18764.329115375,null,null,18764.329115375,15475.007876037002]
["Loans to customers",99433.67146629699,103229.55978736799,-3795.8883210710046,-3.6771331088592873E-2,null,99433.67146629699,101931.406485443,-2497.7350191460137,-2.4504076861754265E-2,null,null,99433.67146629699,101931.406485443,101806.07258491701,105335.669605535,103229.55978736799,null,null,103229.55978736799,100831.60596026899]
["  Hereof non-financial corporations %",0.4731688700942438,0.47301668863497515,1.5218145926865212E-2,3.2172534907348727E-4,null,0.4731688700942438,0.46809231455479838,0.50765555394454154,1.0845201644196445E-2,null,null,0.4731688700942438,0.46809231455479838,0.47438887323142059,0.46460079742620669,0.47301668863497515,null,null,0.47301668863497515,0.49742025122583094]
["  Hereof households %",0.39899884742724662,0.39588726594111517,0.31115814861314428,7.8597665391799687E-3,null,0.39899884742724662,0.39092998525732853,0.80688621699180896,2.0640172087609931E-2,null,null,0.39899884742724662,0.39092998525732853,0.39805829361066924,0.38738782750655065,0.39588726594111517,null,null,0.39588726594111517,0.37764282340557115]
["  Hereof FCY %","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Deposits from customers",119353.248782047,125098.89412249801,-5745.6453404510103,-4.5928825996054079E-2,null,119353.248782047,121233.02379118801,-1879.7750091410126,-1.5505469964840146E-2,null,null,119353.248782047,121233.02379118801,120552.79395435101,124775.798748983,125098.89412249801,null,null,125098.89412249801,115153.256676405]
[]
["Business outlets",1519,1664,-145,-8.7139423076923128E-2,null,1519,1545,-26,-1.6828478964401317E-2,null,null,1519,1545,1570,1597,1664,null,null,1664,1771]
["Number of employees",44887,44414,473,1.0649795109650029E-2,null,44887,44810,77,1.7183664360633788E-3,null,null,44887,44810,44559,44705,44414,null,null,44414,46185]
["Number of customers in million1",18.556294999999999,18.057020000000001,0.49927499999999725,2.7649911225661628E-2,null,18.556294999999999,18.378312000000001,0.17798299999999756,9.6844040954358057E-3,null,null,18.556294999999999,18.378312000000001,18.299741000000001,18.256214,18.057020000000001,null,null,18.057020000000001,19.459651999999998]
[]
["1 Adaptation of prior years‘ figures due to the inclusion of customers from the credit card business"]

{"sheet":"RBI Overview excl. RU_BY","index":15,"n_rows":65,"n_cols":20,"rows_kept":65,"cut":false,"hidden":false,"merged":[[62,0,62,3],[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["RBI Overview excl. RU/BY",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022"]
["Net interest income",4281.7943130629992,3399.4014712800004,882.39284178299886,0.25957300108208314,null,1122.8727381890003,1122.8100550269999,6.2683162000439552E-2,5.5827040130074224E-5,null,null,1122.8727381890003,1122.8100550269999,1039.2407822110001,996.87073763600017,1000.1599290639997,null,null,3399.4014712800004]
["Dividend income",35.044407509000003,64.160190139999997,-29.115782630999995,-0.45379825975372334,null,8.2643630080000001,9.64248789,-1.3781248819999998,-0.14292212733077125,null,null,8.2643630080000001,9.64248789,6.556186061,10.581370550000001,24.106514780999998,null,null,64.160190139999997]
["Current income from investments in associates",81.712306288000008,57.549243482000001,24.163062806000006,0.41986760110161359,null,12.91997793,19.585969003999999,-6.665991073999999,-0.34034522737366824,null,null,12.91997793,19.585969003999999,20.334809870000001,28.871549483999999,8.1592841400000005,null,null,57.549243482000001]
["Net fee and commission income",1724.0848896819998,1738.7249511489995,-14.640061466999668,-8.4199984921853321E-3,null,453.40196544899999,424.73187850900001,28.670086939999976,6.7501613113300829E-2,null,null,453.40196544899999,424.73187850900001,417.02197367199989,428.92907205199992,451.74911917899976,null,null,1738.7249511489995]
["Net trading income and fair value result",29.596765950000059,253.71983096000008,-224.12306501000003,-0.88334862971485228,null,-28.706592460999968,44.819975614000001,-73.526568074999972,"–",null,null,-28.706592460999968,44.819975614000001,-20.352821759999966,33.836204556999974,60.456251340999941,null,null,253.71983096000008]
["Net gains/losses from hedge accounting",-25.553482754000004,-11.662599112000006,-13.890883641999999,1.1910624303040001,null,-16.333202387,5.9259627200000011,-22.259165107000001,"–",null,null,-16.333202387,5.9259627200000011,-6.3270654740000003,-8.8191776130000008,-13.833466957999999,null,null,-11.662599112000006]
["Other net operating income ",97.100574215999927,81.108310082000003,15.992264133999925,0.19717170925928351,null,6.7396245029999537,18.604503501999972,-11.864878999000018,-0.63774230780867391,null,null,6.7396245029999537,18.604503501999972,47.513128137999992,24.243318073000008,28.913619909000104,null,null,81.108310082000003]
["Operating income",6223.7797739539974,5583.0013979809992,640.77837597299822,0.11477309968160232,null,1559.158874231,1646.1208312660006,-86.961957035000523,-5.2828416592067384E-2,null,null,1559.158874231,1646.1208312660006,1503.9869937180006,1514.5130747389996,1559.7112514559994,null,null,5583.0013979809992]
["Staff expenses",-1589.1006537900003,-1436.9096985940002,-152.190955196,0.10591546242948824,null,-428.10243593999991,-393.11541906399998,-34.987016875999927,8.8999350265383415E-2,null,null,-428.10243593999991,-393.11541906399998,-403.51433546599998,-364.36846331999999,-393.36963043500003,null,null,-1436.9096985940002]
["Other administrative expenses",-1107.7164248249999,-954.0400688809998,-153.67635594400008,0.16107956149498848,null,-310.83827739399999,-246.52762170199998,-64.310655692000012,0.26086592345314585,null,null,-310.83827739399999,-246.52762170199998,-297.70770811100004,-252.64281761799998,-237.81495605000006,null,null,-954.0400688809998]
["Depreciation ",-424.300203125,-399.50936078000001,-24.790842344999987,6.205322022141968E-2,null,-118.50128793799999,-104.46397160800001,-14.037316329999982,0.13437471420936276,null,null,-118.50128793799999,-104.46397160800001,-103.05902874699999,-98.275914831999998,-106.51682847999999,null,null,-399.50936078000001]
["General administrative expenses",-3121.1172817400002,-2790.459128255,-330.65815348500018,0.1184959672538819,null,-857.44200127199997,-744.10701237399996,-113.33498889800001,0.15231006698406979,null,null,-857.44200127199997,-744.10701237399996,-804.28107232400009,-715.28719577000004,-737.70141496500025,null,null,-2790.459128255]
["Operating result",3102.6624922139977,2792.5422697260001,310.12022248799758,0.11105300924179962,null,701.71687295900051,902.01381889200047,-200.29694593300053,-0.22205529642443522,null,null,701.71687295900051,902.01381889200047,699.70592139400014,799.2258789689995,822.00983649099965,null,null,2792.5422697260001]
["Other result",-897.53190717200005,-658.18829981899989,-239.34360735300015,0.36364002128086903,null,-308.88524118300001,-138.55176296300002,-170.33347821999999,1.2293851379248579,null,null,-308.88524118300001,-138.55176296300002,-354.15357485500004,-95.941328170999995,-434.91223271600001,null,null,-658.18829981899989]
["Net modification gains/losses",-26.877168572999999,-11.040792167000001,-15.836376405999998,1.4343514637775354,null,-21.543058812999998,1.5546648139999999,-23.097723626999997,"–",null,null,-21.543058812999998,1.5546648139999999,-8.8026914739999995,1.9139168999999998,-8.1356478039999995,null,null,-11.040792167000001]
["Impairment or reversal of impairment on investments in subsidiaries and associates",20.983330522999999,-67.306504097000001,88.289834619999993,"–",null,-2.726829455999999,32.602744657000002,-35.329574113,"–",null,null,-2.726829455999999,32.602744657000002,-1.0335162410000001,-7.8590684370000004,-28.254049346000002,null,null,-67.306504097000001]
["Impairment on non-financial assets",-16.765436393999998,-79.27692691099999,62.511490516999991,-0.78852060684918235,null,-14.406633521,3.347865573,-17.754499094,"–",null,null,-14.406633521,3.347865573,-0.61339406099999993,-5.093274385,-76.465956898000002,null,null,-79.27692691099999]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",2.8008672720000001,9.6224813559999998,-6.8216140840000001,-0.70892463509388381,null,2.6083126069999998,-0.16076882599999998,2.7690814329999998,"–",null,null,2.6083126069999998,-0.16076882599999998,0.11495573999999997,0.23836775100000002,1.016957332,null,null,9.6224813559999998]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",-877.6735000000001,-510.18655799999999,-367.48694200000011,0.72029914594496258,null,-272.81703199999998,-175.89626899999999,-96.920762999999994,0.5510109085940873,null,null,-272.81703199999998,-175.89626899999999,-343.81892900000003,-85.141269999999992,-323.07353599999999,null,null,-510.18655799999999]
["Governmental measures and compulsory contributions",-240.14245026,-281.40127218100002,41.25882192100002,-0.14661917340040287,null,-14.900239351000002,-12.474834960999997,-2.4254043900000042,0.19442376573177378,null,null,-14.900239351000002,-12.474834960999997,9.5361337099999925,-222.30350965800002,-38.405434576999987,null,null,-281.40127218100002]
["Bank levies",-95.375347070999993,-87.152038501000007,-8.2233085699999862,9.435589472649708E-2,null,-1.0938570220000001,-0.75910078700000005,-0.33475623500000007,0.44099049919704547,null,null,-1.0938570220000001,-0.75910078700000005,-2.0012916229999997,-91.521097639000004,-6.0031511359999996,null,null,-87.152038501000007]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0]
["Resolution fund",-74.052413126000005,-89.403520020000002,15.351106893999997,-0.17170584436234593,null,-1.8803559999999999E-3,-2.4984791000000003E-2,2.3104435000000003E-2,-0.92473997481107606,null,null,-1.8803559999999999E-3,-2.4984791000000003E-2,22.443326044999999,-96.468874024000002,-8.8934497000000001E-2,null,null,-89.403520020000002]
["Deposit insurance fees",-70.302069341999996,-78.654128895999975,8.3520595539999789,-0.10618717251377163,null,-13.69182215,-11.544505759999998,-2.1473163900000021,0.18600331921009006,null,null,-13.69182215,-11.544505759999998,-10.829303128000003,-34.236438303999996,-13.714183675999998,null,null,-78.654128895999975]
["Contribution to borrowers' support fund",0,-25.745495456,25.745495456,"–",null,0,0,0,"–",null,null,0,0,0,0,-18.48654947,null,null,-25.745495456]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0]
["Impairment losses on financial assets ",-296.31390271000004,-459.17010510300008,162.85620239300005,-0.35467509879910075,null,-195.77256639199996,-35.741094563000026,-160.03147182899994,4.4775201707075887,null,null,-195.77256639199996,-35.741094563000026,-41.989009636999981,-22.811232118000024,-59.837899281999988,null,null,-459.17010510300008]
["Profit/loss before tax",1668.6742320719977,1393.7825926229993,274.89163944899838,0.1972270574363193,null,182.158826033,715.2461264049997,-533.08730037199973,-0.74532008030777552,null,null,182.158826033,715.2461264049997,313.09947061200012,458.16980902199975,288.85426991599849,null,null,1393.7825926229993]
["Income taxes",-494.47712632600002,-256.92084833899992,-237.5562779870001,0.92462826400740816,null,-193.90996695800001,-112.30799586199998,-81.601971096000028,0.72659092943185977,null,null,-193.90996695800001,-112.30799586199998,-100.38857152999999,-87.870591976,-69.134110023999995,null,null,-256.92084833899992]
["Profit/loss after tax from continuing operations",1174.1971057459975,1136.8617442839998,37.335361461997763,3.2840722849295734E-2,null,-11.751140925000044,602.93813054299972,-614.68927146799979,"–",null,null,-11.751140925000044,602.93813054299972,212.71089908200017,370.29921704599974,219.72015989199878,null,null,1136.8617442839998]
["Gains/losses from discontinued operations",0,452.90588732099997,-452.90588732099997,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,452.90588732099997]
["Profit/loss after tax",1174.1971057459975,1589.7676316049995,-415.57052585900192,-0.2614033130360377,null,-11.751140925000044,602.93813054299972,-614.68927146799979,"–",null,null,-11.751140925000044,602.93813054299972,212.71089908200017,370.29921704599974,219.72015989199878,null,null,1589.7676316049995]
[]
["Return on equity before tax2",0.11675905435154285,0.10785341994213007,0.89056344094127771,8.257164598203004E-2,null,5.146706628869991E-2,0.19925093919417958,-14.778387290547968,-0.74169724621201016,null,null,5.146706628869991E-2,0.19925093919417958,8.7095125722198727E-2,0.1279951592972168,9.0905895809481732E-2,null,null,0.10785341994213007]
["Return on equity after tax2",8.2159921364031691E-2,0.12301909701657311,-4.0859175652541424,-0.33213685227291889,null,"–",0.16796454307228306,"–","–",null,null,"–",0.16796454307228306,5.9169957865236253E-2,0.10344746934462802,6.914856397377582E-2,null,null,0.12301909701657311]
["Consolidated return on equity2",7.6255061524599807E-2,0.12930392777876676,-5.3048866254166951,-0.41026492516863977,null,"–",0.17424436795114956,"–","–",null,null,"–",0.17424436795114956,4.7960328185606346E-2,0.10414176605511505,5.3927430331243219E-2,null,null,0.12930392777876676]
["Net interest margin (avg. interest bearing assets)",2.4018879610834321E-2,1.9921486023674696E-2,0.40973935871596245,0.20567710572847231,null,2.5325732386468486E-2,2.5389154719119351E-2,-6.3422332650865665E-3,-2.4980088290653679E-3,null,null,2.5325732386468486E-2,2.5389154719119351E-2,2.3187090097770247E-2,2.2287186090442172E-2,2.2163658414286636E-2,null,null,1.9921486023674696E-2]
["Cost/income ratio",0.5014826030319417,0.49981343892625996,0.16691641056817419,3.339574280490698E-3,null,0.54993882627573976,0.45203669028458943,9.7902135991150327,0.2165800655020147,null,null,0.54993882627573976,0.45203669028458943,0.5347659758251897,0.47228855775528217,0.47297306746768142,null,null,0.49981343892625996]
["Loan/deposit ratio",0.90961781963529742,0.91508506892332375,-0.54672492880263324,-5.9745803682045295E-3,null,0.90961781963529742,0.93100365403424379,-2.1385834398946368,-2.2970730894854019E-2,null,null,0.90961781963529742,0.93100365403424379,0.94620243871079612,0.927506196555413,0.91508506892332375,null,null,0.91508506892332375]
["Provisioning ratio (avg. loans and advances to customers)",2.589045788211865E-3,4.5254829855675598E-3,-0.19364371973556949,-0.42789624964479633,null,7.9375718273926137E-3,1.80032389379731E-3,0.61372479335953034,3.4089687720860011,null,null,7.9375718273926137E-3,1.80032389379731E-3,4.0550092848767947E-4,3.2593315006205131E-4,2.4530280387555984E-3,null,null,4.5254829855675598E-3]
["NPE ratio",1.9525640646987676E-2,1.5953354455762743E-2,0.35722861912249326,0.22392069336455656,null,1.9525640646987676E-2,1.5417939772169651E-2,0.41077008748180244,0.26642346094986591,null,null,1.9525640646987676E-2,1.5417939772169651E-2,1.5033944049593406E-2,1.5056117164506558E-2,1.5953354455762743E-2,null,null,1.5953354455762743E-2]
["NPE coverage ratio",0.49685448988431247,0.57784345500215872,-8.0988965117846252,-0.14015727688313728,null,0.49685448988431247,0.56814617417328572,-7.1291684288973256,-0.12548123622008078,null,null,0.49685448988431247,0.56814617417328572,0.55925035982631621,0.55532651959207235,0.57784345500215872,null,null,0.57784345500215872]
[]
["Assets",178465.10411300702,182520.06249733499,-4054.9583843279688,-2.2216507757261916E-2,null,178465.10411300702,183622.37342912302,-5157.2693161159987,-2.8086279573696249E-2,null,null,178465.10411300702,183622.37342912302,184386.75908179898,186361.47651666999,182520.06249733499,null,null,182520.06249733499]
["Total risk-weighted assets (RWA) ",76444.72460736311,80426.333062159814,-3981.6084547967039,-4.9506278642834634E-2,null,76444.72460736311,82944.253097059162,-6499.5284896960511,-7.836020275076172E-2,null,null,76444.72460736311,82944.253097059162,83989.684909541204,82297.173370908029,80426.333062159814,null,null,80426.333062159814]
["Equity",15021.297528904001,14113.437341792998,907.86018711100223,6.4325944497066523E-2,null,15021.297528904001,15438.789661749002,-417.49213284500183,-2.7041765707798704E-2,null,null,15021.297528904001,15438.789661749002,14907.884563521002,14660.487775864,14113.437341792998,null,null,14113.437341792998]
["Loans to customers",92814.675810796994,93922.241523892008,-1107.5657130950131,-1.1792368826858413E-2,null,92814.675810796994,94963.95724410699,-2149.2814333099959,-2.2632601838455613E-2,null,null,92814.675810796994,94963.95724410699,94300.355880856994,96883.657860900013,93922.241523892008,null,null,93922.241523892008]
["  Hereof non-financial corporations %",0.46641163403139346,0.46519201681450112,0.12196172168923436,2.6217501006227106E-3,null,0.46641163403139346,0.45922666678561597,0.7184967245777496,1.5645797087675994E-2,null,null,0.46641163403139346,0.45922666678561597,0.46396207170588871,0.45332297300567687,0.46519201681450112,null,null,0.46519201681450112]
["  Hereof households %",0.39748584610512933,0.39126976533777452,0.62160807673548035,1.5886943786695529E-2,null,0.39748584610512933,0.38989602670864532,0.75898193964840099,1.9466265046490516E-2,null,null,0.39748584610512933,0.38989602670864532,0.39604105962385255,0.38341696807823156,0.39126976533777452,null,null,0.39126976533777452]
["  Hereof FCY %","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–"]
["Deposits from customers",102976.37901561799,103111.05486825701,-134.67585263901856,-1.3061242832894671E-3,null,102976.37901561799,103673.93913254101,-697.56011692302127,-6.7284037122504747E-3,null,null,102976.37901561799,103673.93913254101,101197.68989371402,102172.666099254,103111.05486825701,null,null,103111.05486825701]
[]
["Business outlets",1350,1481,-131,-8.8453747467927113E-2,null,1350,1373,-23,-1.6751638747268704E-2,null,null,1350,1373,1396,1418,1481,null,null,1481]
["Number of employees",33335,33264,71,2.1344396344395999E-3,null,33335,33294,41,1.2314531146753183E-3,null,null,33335,33294,33084,33221,33264,null,null,33264]
["Number of customers in million1",14.340956999999998,13.901621000000002,0.43933599999999551,3.1603220948117849E-2,null,14.340956999999998,14.213763,0.12719399999999759,8.9486506845510849E-3,null,null,14.340956999999998,14.213763,14.116882,14.003629,13.901621000000002,null,null,13.901621000000002]
[]
["1 Adaptation of prior years‘ figures due to the inclusion of customers from the credit card business"]
["2 RoE calculation under the assumption of price-book value 0 for Russia"]
["Operations for RU and BY represent the contribution to the RBIGRP. Deviations from the country results for RU and BY presented in the segment and country analysis derive from business transactions within the Group."]

{"sheet":"Country Overview","index":16,"n_rows":28,"n_cols":12,"rows_kept":28,"cut":false,"hidden":false,"merged":[[1,1,1,3],[31,0,31,11]]}
["Country and Segment Overview"]
[]
[]
[]
["1/1-31/12\n2023","Assets\nin € million","Share of \nAssets","Profit/loss after tax \nin € million","Business \noutlets","Number of employees","Loan/deposit\nratio","Net interest margin ","Cost/income\nratio","Provisioning ratio","Loan growth \nYoY","RoE\nafter tax"]
["Czech Republic",29990.842711169997,0.15128498515183339,305.64913424500003,128,3599,0.75499489824508692,2.2036163790472445E-2,0.45631182974015477,2.2302204711895134E-3,1.4749795583791414E-2,0.13694101277254242]
["Hungary",11571.249900514,5.8369695918395276E-2,263.534438626,67,2404,0.60478217796938305,4.5110821665267239E-2,0.40899024355344854,-1.3874604035787447E-3,-6.2689565204510078E-4,0.27621045379703096]
["Poland",1430.956860927,7.2182795776401156E-3,-868.19605596899999,1,291,"–",1.0355484764343198E-2,"–",-2.6135381470336751E-2,-0.3882782667823077,"–"]
["Slovakia",22323.500804419997,0.11260805574082079,241.65946450000001,143,3484,0.95155029808615921,1.8867561288200243E-2,0.44133462589565731,2.095468580016452E-3,2.6935522475632245E-2,0.15992025046365244]
["Reconciliation/other",-310.98638700898664,-1.568731208861768E-3,0,0,0,"–","–","–","–","–","–"]
["Central Europe",65005.563890022,0.32791228517982779,-57.353018597999998,339,9778,0.82332281025025889,2.4933338784447492E-2,0.46055574367328039,5.8007044509459163E-4,-2.9527744372535025E-3,"–"]
["Albania",2907.7608961479996,1.4667829384967307E-2,59.873963568999997,76,1271,0.48011299795711243,4.7500771719968395E-2,0.40591457232866657,-2.0269926953599871E-3,0.11965911029628051,0.22073183602230242]
["Bosnia and Herzegovina",2723.652223046,1.3739116639386937E-2,62.693506595000002,87,1376,0.69932766269713231,3.779453266836915E-2,0.47192038178300832,1.6772452256210517E-3,0.11976826608631952,0.19448184773027527]
["Croatia",6997.2272819999998,3.529662156065759E-2,104.607011,70,1773,0.63855328527210375,2.8437626951781238E-2,0.48725976871496601,-3.7291455468694726E-3,9.2043784351983016E-2,0.15981578882116945]
["Kosovo",1488.6976810000001,7.5095457881806105E-3,31.347162000000001,38,965,0.81330904515470692,5.1974097725870937E-2,0.44730304050412084,1.3287078554741E-2,6.8091890532250066E-2,0.22671218991527889]
["Romania",14229.596187195,7.1779385081920527E-2,345.63351445599994,288,5037,0.73288041059711995,4.4957014432801104E-2,0.44503032762124334,-7.804886905457513E-4,4.3205888247641377E-2,0.25802657881090402]
["Serbia",5695.0875206580004,2.8728143430269266E-2,202.054546192,108,2113,0.66052253436935826,5.1230127935629137E-2,0.30939936936337342,3.8800389004113858E-3,-7.3706825986905256E-2,0.34139616583219889]
["Reconciliation",-6.5979798940024921,"–","–","–","–","–","–","–","–","–","–"]
["Southeastern Europe",34035.423810152999,0.17168735921640527,805.71975331399995,667,12535,0.68010678482631226,4.2562889912046521E-2,0.42053793007548906,3.2983103174001951E-4,4.2290486793135074E-2,0.25870329454621194]
["Belarus",2445.9839201979999,1.2338454261272129E-2,112.15649934299999,45,1610,0.39267951586553629,4.0610183346300024E-2,0.32262842320109286,9.6999944024197364E-3,-4.8155036046917288E-2,0.25293666083607214]
["Russia",20701.607721416,0.1044266227166419,1341.1159142060001,124,9942,0.42908363474221556,6.4730516278817166E-2,0.27217897639837535,1.271439144296122E-2,-0.33538333891142236,0.3746119120402383]
["Ukraine",4472.5059784309997,2.2560986600300287E-2,121.39365808699999,321,5333,0.33647843055129889,0.10225270351102232,0.33724321582320937,3.4540485742563229E-2,-0.19911020766304932,0.28170649055831937]
["Reconciliation",-8.7059271190009895,"–","–","–","–","–","–","–","–","–","–"]
["Eastern Europe",27611.391692925998,0.13928214763801833,1574.666071636,490,16885,0.40779640107108733,6.8402150655150123E-2,0.28560778983667978,1.5740672644907253E-2,-0.29744834379831764,0.40736969728411154]
["Group Corporates & Markets",60131.416208081995,0.30332526817628425,561.21314683000014,23,3536,1.7204295442931026,1.5320541727936567E-2,0.48187026862209953,4.7494515093867698E-3,-3.1160344730891021E-2,0.14519620905344868]
["Corporate Center",36485.392408601001,0.18404591367945206,437.94448564499999,"–",2153,"–","–","–","–","–","–"]
["Reconciliation",-25028.479051982031,-0.12625297388998774,-743.94791039099982,"–","–","–","–","–","–","–","–"]
["Total RBI Group",198240.70895780198,1,2578.2425284360002,1519,44887,0.83759602013486312,2.8697033041720381E-2,0.431067862809831,3.3582842889349003E-3,-3.677133108859304E-2,0.14250726008742706]

{"sheet":"CE-CZ","index":17,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Czech Republic",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",641.94078760099978,651.81431746800001,-9.8735298670002294,-1.5147764635417005E-2,null,168.40813580899999,161.74666862499998,6.6614671840000028,4.1184571160746586E-2,null,null,168.40813580899999,161.74666862499998,158.88372595799996,152.90225720899997,144.44151228899995,null,null,651.81431746800001,384.52943268800004]
["Dividend income",8.3574368020000005,4.90991E-2,8.3083377020000011,">500,0%",null,4.1143837740000002,2.1039203039999999,2.0104634700000004,0.95557967009381573,null,null,4.1143837740000002,2.1039203039999999,1.7062732000000001E-2,2.1220699920000001,1.6073598000000001E-2,null,null,4.90991E-2,4.7583596879999996]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",183.16439036399998,196.57248911200003,-13.408098748000043,-6.8209436674328217E-2,null,47.257186204000007,40.552963509000001,6.7042226950000057,0.16532016688526663,null,null,47.257186204000007,40.552963509000001,47.510967037,47.843273613999997,55.797956272,null,null,196.57248911200003,146.15570526300002]
["Net trading income and fair value result",1.7733553959999995,-10.05718952,11.830544915999999,"–",null,4.1970789339999994,0.89611886499999827,3.3009600690000012,3.6836185442876568,null,null,4.1970789339999994,0.89611886499999827,1.5269968849999991,-4.8468392880000053,15.762057261999992,null,null,-10.05718952,12.750713417]
["Net gains/losses from hedge accounting",-3.7597368950000001,-4.2503833809999998,0.49064648599999972,-0.11543581884713749,null,-1.556452961,0.31030910100000003,-1.8667620620000001,"–",null,null,-1.556452961,0.31030910100000003,-1.926301214,-0.58729182099999999,-1.071864371,null,null,-4.2503833809999998,0.48686415199999999]
["Other net operating income ",25.348149382000003,25.861158977999999,-0.51300959599999629,-1.9837069036094279E-2,null,5.6889290639999999,5.6656013709999993,2.3327693000000593E-2,4.1174257545555371E-3,null,null,5.6889290639999999,5.6656013709999993,9.9585918029999991,4.0350271440000016,6.5017951109999998,null,null,25.861158977999999,24.135902380999998]
["Operating income",856.82438264999985,859.98949175700022,-3.1651091070003758,-3.6804043971908618E-3,null,228.10926082400002,211.27558177500001,16.833679049000011,7.9676406083345697E-2,null,null,228.10926082400002,211.27558177500001,215.97104320099993,201.46849684999995,221.44753016099992,null,null,859.98949175700022,572.81697758900009]
["Staff expenses",-190.49758165200001,-182.44805449700002,-8.0495271549999927,4.4119555986454007E-2,null,-48.019063601999996,-47.698366531000005,-0.32069707099999079,6.7234392773505292E-3,null,null,-48.019063601999996,-47.698366531000005,-47.540311019000001,-47.2398405,-47.530909564999995,null,null,-182.44805449700002,-161.37633572099998]
["Other administrative expenses",-113.12803384999999,-121.88523195,8.7571981000000108,-7.1847901176349316E-2,null,-26.085769969999998,-29.448853456000002,3.3630834860000043,-0.11420082927930764,null,null,-26.085769969999998,-29.448853456000002,-29.637380245999999,-27.956030177999999,-32.146073570999995,null,null,-121.88523195,-90.828424443000003]
["Depreciation ",-87.353486310999997,-96.075036158999993,8.7215498479999951,-9.0778522670199258E-2,null,-21.644409806000002,-22.474642815000003,0.83023300900000052,-3.6940876695307767E-2,null,null,-21.644409806000002,-22.474642815000003,-20.853537477000003,-22.380896213,-24.458992135999999,null,null,-96.075036158999993,-67.427395977000003]
["General administrative expenses",-390.979101813,-400.40832260600001,9.4292207930000131,-2.3549012996611274E-2,null,-95.749243377999989,-99.62186280200001,3.8726194240000211,-3.8873188224726407E-2,null,null,-95.749243377999989,-99.62186280200001,-98.031228741999996,-97.576766891000005,-104.135975272,null,null,-400.40832260600001,-319.632156141]
["Operating result",465.84528083699985,459.58116915100021,6.2641116859996373,1.3630044280472875E-2,null,132.36001744600003,111.653718973,20.706298473000032,0.18545104151888769,null,null,132.36001744600003,111.653718973,117.93981445899993,103.89172995899995,117.31155488899992,null,null,459.58116915100021,253.18482144800009]
["Other result",-0.29182432399999997,8.8388502029999998,-9.130674527,"–",null,0.29296219600000001,5.2363940999999997E-2,0.24059825500000001,4.5947316112055052,null,null,0.29296219600000001,5.2363940999999997E-2,-0.69943488700000001,6.2284426000000004E-2,-0.73510079700000008,null,null,8.8388502029999998,2.2463145070000001]
["Net modification gains/losses",0.197180509,8.1992429999999991E-2,0.11518807900000001,1.4048623635133151,null,6.0209756000000003E-2,7.9535555999999993E-2,-1.932579999999999E-2,-0.24298315083130861,null,null,6.0209756000000003E-2,7.9535555999999993E-2,2.3810771000000001E-2,3.3624425999999999E-2,3.2228360999999997E-2,null,null,8.1992429999999991E-2,6.2349591999999995E-2]
["Impairment or reversal of impairment on investments in subsidiaries and associates",6.1891044999999999E-2,-4.7813720000000004E-2,0.10970476500000001,"–",null,6.1891044999999999E-2,0,6.1891044999999999E-2,"–",null,null,6.1891044999999999E-2,0,0,0,-4.7813720000000004E-2,null,null,-4.7813720000000004E-2,-5.9039595E-2]
["Impairment on non-financial assets",-0.73654528799999996,-0.91490618700000004,0.17836089900000007,-0.19494993206336253,null,4.3159070000000001E-2,-9.3558433999999996E-2,0.13671750399999999,"–",null,null,4.3159070000000001E-2,-9.3558433999999996E-2,-0.71480592399999998,2.8660000000000001E-2,-0.80790839000000003,null,null,-0.91490618700000004,-0.43074754700000001]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0.18564941000000001,9.7195776800000004,-9.5339282700000005,-0.98089943656893541,null,0.12770232500000001,6.6386819E-2,6.1315506000000006E-2,0.92360964004014123,null,null,0.12770232500000001,6.6386819E-2,-8.4397340000000008E-3,0,8.8392952000000011E-2,null,null,9.7195776800000004,2.6737520570000002]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-23.175442371000003,-21.892997117,-1.2824452540000024,5.8577875251450973E-2,null,0.15837990700000001,0.12000005600000001,3.8379851000000006E-2,0.31983194241176016,null,null,0.15837990700000001,0.12000005600000001,2.7008506269999999,-26.154672960999996,-6.6215988000000003E-2,null,null,-21.892997117,-16.007831525999997]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-14.434195866,-15.913712166,1.4795163000000002,-9.297116125808913E-2,null,9.8642630000000009E-2,7.4738781000000004E-2,2.3903849000000005E-2,0.31983193571219748,null,null,9.8642630000000009E-2,7.4738781000000004E-2,1.578392775,-16.185970051999998,-4.8131472000000002E-2,null,null,-15.913712166,-11.978618313999998]
["Deposit insurance fees",-8.7412465050000012,-5.9792849510000003,-2.7619615540000009,0.46192171415715499,null,5.9737277000000005E-2,4.5261275000000004E-2,1.4476002000000002E-2,0.31983195347457616,null,null,5.9737277000000005E-2,4.5261275000000004E-2,1.1224578519999999,-9.9687029089999992,-1.8084515999999998E-2,null,null,-5.9792849510000003,-4.0292132120000002]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-4.0292132120000002]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-4.0292132120000002]
["Impairment losses on financial assets ",-40.993682909000007,5.807147026,-46.80082993500001,"–",null,-12.073448770999999,-10.155410440999999,-1.9180383299999999,0.18886861748653572,null,null,-12.073448770999999,-10.155410440999999,-9.486183908000001,-9.2786397889999996,0.4570714090000001,null,null,5.807147026,-15.59792017]
["Profit/loss before tax",401.38433123299995,452.33416926300004,-50.94983803000008,-0.11263760620386909,null,120.737910778,101.670672529,19.067238248999999,0.1875392163218097,null,null,120.737910778,101.670672529,110.45504629099999,68.520701635000009,116.967309513,null,null,452.33416926300004,223.825384259]
["Income taxes",-95.735196987999998,-86.313737204999995,-9.4214597830000031,0.10915365372980546,null,-39.055293590000005,-17.202733004000002,-21.852560586000003,1.2702958640885038,null,null,-39.055293590000005,-17.202733004000002,-18.978831774,-20.498338620000002,-26.08672309,null,null,-86.313737204999995,-45.176540717000002]
["Profit/loss after tax",305.64913424500003,366.02043205800004,-60.371297813000012,-0.16493969332136493,null,81.682617187999995,84.467939525000006,-2.7853223370000109,-3.2974905658443743E-2,null,null,81.682617187999995,84.467939525000006,91.476214517000003,48.022363015000003,90.880586422999997,null,null,366.02043205800004,178.64884354200001]
[]
["Return on equity before tax",0.17983357605723632,0.24821867183930318,-6.8385095782066863,-0.27550343120979792,null,0.20800365155065267,0.176788762929348,3.1214888621304668,0.17656602209371997,null,null,0.20800365155065267,0.176788762929348,0.1938024630571113,0.12195723293880918,0.2252837381812377,null,null,0.24821867183930318,0.14852675234060139]
["Return on equity after tax",0.13694101277254242,0.20085395197871969,-6.3912939206177271,-0.31820603267467096,null,0.14072036308925392,0.14687600823685243,-0.61556451475985041,-4.1910487774639793E-2,null,null,0.14072036308925392,0.14687600823685243,0.16050254180174842,8.5473066865107125E-2,0.17503966127562298,null,null,0.20085395197871969,0.11854836138689903]
["Net interest margin (avg. interest bearing assets)",2.2036163790472445E-2,2.475634406193232E-2,-0.27201802714598744,-0.10987810900732631,null,2.2964062161102666E-2,2.1958709661931516E-2,0.10053524991711499,4.5783769385778994E-2,null,null,2.2964062161102666E-2,2.1958709661931516E-2,2.1475832521986798E-2,2.138283702260807E-2,2.1459982301326223E-2,null,null,2.475634406193232E-2,1.7068991629265975E-2]
["Cost/income ratio",0.45631182974015477,0.46559676187199284,-0.9284932131838064,-1.994200323581885E-2,null,0.41975167089720344,0.47152568207382006,-5.1774011176616614,-0.10980104190488416,null,null,0.41975167089720344,0.47152568207382006,0.45390913193285948,0.48432766619413037,0.47025123827883553,null,null,0.46559676187199284,0.55800049343219404]
["Loan/deposit ratio",0.75499489824508692,0.76196305970376332,-0.69681614586764029,-9.1450121760305869E-3,null,0.75499489824508692,0.76073662468875536,-0.57417264436684379,-7.5475877686546067E-3,null,null,0.75499489824508692,0.76073662468875536,0.76125260472191869,0.75471478419085691,0.76196305970376332,null,null,0.76196305970376332,0.68550887701961982]
["Provisioning ratio (avg. loans and advances to customers)",2.2302204711895134E-3,-4.5946143450178767E-4,0.26896819056913013,"–",null,2.6007088755982725E-3,2.2532698021522374E-3,3.4743907344603503E-2,0.15419328529329879,null,null,2.6007088755982725E-3,2.2532698021522374E-3,2.0251829877616103E-3,2.0413120034214458E-3,-6.6105015813963127E-5,null,null,-4.5946143450178767E-4,1.1676578195703368E-3]
["NPE ratio",9.2148494601704718E-3,9.649588394894295E-3,-4.3473893472382313E-2,-4.5052588455881559E-2,null,9.2148494601704718E-3,9.2053052177657954E-3,9.5442424046764118E-4,1.0368197663077616E-3,null,null,9.2148494601704718E-3,9.2053052177657954E-3,8.9910662722351587E-3,9.1557129046248593E-3,9.649588394894295E-3,null,null,9.649588394894295E-3,1.1189884509321603E-2]
["NPE coverage ratio",0.50631933358062542,0.51678763667032845,-1.0468303089703035,-2.0256489023519397E-2,null,0.50631933358062542,0.50830657737447815,-0.19872437938527332,-3.9095378307266726E-3,null,null,0.50631933358062542,0.50830657737447815,0.47860479718167459,0.49937770082801369,0.51678763667032845,null,null,0.51678763667032845,0.4774047367504074]
[]
["Assets",29990.842711169997,27723.884829946001,2266.9578812239961,8.1769127780221496E-2,null,29990.842711169997,30378.089290644999,-387.24657947500236,-1.2747562092203624E-2,null,null,29990.842711169997,30378.089290644999,30623.924681870998,30160.477560915002,27723.884829946001,null,null,27723.884829946001,26245.083191450001]
["Total risk-weighted assets (RWA) ",10950.175714483054,11245.88507305542,-295.70935857236691,-2.6294894234769606E-2,null,10950.175714483054,11190.768674716563,-240.59296023350907,-2.1499234523280175E-2,null,null,10950.175714483054,11190.768674716563,11321.213282744209,11750.156307566125,11245.88507305542,null,null,11245.88507305542,9625.9544943060937]
["Equity",2329.9229371910001,2206.9947529850001,122.92818420599997,5.5699354989284577E-2,null,2329.9229371910001,2398.22927914,-68.306341948999943,-2.848198983438921E-2,null,null,2329.9229371910001,2398.22927914,2378.4902112680002,2320.498252972,2206.9947529850001,null,null,2206.9947529850001,1805.2809962219999]
["Loans to customers",17711.291048698,17453.850324265,257.44072443299956,1.4749795583791414E-2,null,17711.291048698,17778.555213609001,-67.264164911000989,-3.7834438233491641E-3,null,null,17711.291048698,17778.555213609001,18038.508260508999,18091.089759111001,17453.850324265,null,null,17453.850324265,15291.786349586]
["  Hereof non-financial corporations %",0.3803560122423274,0.36974844227081827,1.0607569971509134,2.8688613010409147E-2,null,0.3803560122423274,0.3736009956882021,0.67550165541253038,1.8080831239975836E-2,null,null,0.3803560122423274,0.3736009956882021,0.37089697080634393,0.36764511507193121,0.36974844227081827,null,null,0.36974844227081827,0.36881652895907024]
["  Hereof households %",0.5640877399591625,0.57519070491598057,-1.1102964956818062,-1.9303102191889354E-2,null,0.5640877399591625,0.56900601811301277,-0.4918278153850264,-8.6436311695976542E-3,null,null,0.5640877399591625,0.56900601811301277,0.57400984592419013,0.57298114731411187,0.57519070491598057,null,null,0.57519070491598057,0.59272720422911152]
["  Hereof FCY %",0.2630315454577527,0.22129282968096251,4.1738715776790194,0.18861305102820025,null,0.2630315454577527,0.23335072263961035,2.9680822818142354,0.12719404715099936,null,null,0.2630315454577527,0.23335072263961035,0.22958523947592385,0.22750483041542566,0.22129282968096251,null,null,0.22129282968096251,0.14532591233008604]
["Deposits from customers",24068.566910368998,22871.355996267001,1197.2109141019973,5.2345427804866507E-2,null,24068.566910368998,24545.841370063998,-477.27445969499968,-1.9444208593194956E-2,null,null,24068.566910368998,24545.841370063998,24916.843118019002,24255.676231992999,22871.355996267001,null,null,22871.355996267001,22340.270914557001]
[]
["Business outlets",128,134,-6,-4.4776119402985093E-2,null,128,128,0,0,null,null,128,128,130,130,134,null,null,134,135]
["Number of employees",3599,3736,-137,-3.6670235546038543E-2,null,3599,3600,-1,-2.777777777778212E-4,null,null,3599,3600,3603,3629,3736,null,null,3736,3739]
["Number of customers in million",2.152828,2.0094509999999999,0.14337700000000009,7.1351329293424026E-2,null,2.152828,2.1163059999999998,3.6522000000000165E-2,1.725742874612668E-2,null,null,2.152828,2.1163059999999998,2.0939839999999998,2.065766,2.0094509999999999,null,null,2.0094509999999999,1.9853670000000001]

{"sheet":"CE-HU","index":18,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Hungary",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",525.07314696100002,355.833048416,169.24009854500002,0.47561658282831432,null,143.32314379100001,137.22939134699999,6.0937524440000175,4.4405592593435683E-2,null,null,143.32314379100001,137.22939134699999,121.49450330399998,123.02610851899999,116.74966827999998,null,null,355.833048416,189.20991497899996]
["Dividend income",3.9681244160000002,2.4657232310000001,1.5024011850000001,0.60931460843262819,null,2.6944360000000001E-3,-1.3078088999999999E-2,1.5772524999999999E-2,"–",null,null,2.6944360000000001E-3,-1.3078088999999999E-2,3.9729544100000003,5.5536589999999999E-3,-2.1204644000000002E-2,null,null,2.4657232310000001,6.6854013590000001]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",201.87408022199998,182.69500257700003,19.17907764499995,0.10497866594307403,null,53.523484087000007,49.855222185000002,3.6682619020000047,7.3578288115696777E-2,null,null,53.523484087000007,49.855222185000002,51.557078462000007,46.938295488000009,48.226404166999998,null,null,182.69500257700003,157.57773785900002]
["Net trading income and fair value result",-34.208261866000022,-2.9438919699999957,-31.264369896000026,">500,0%",null,-5.7714982299999988,-2.083822170000019,-3.6876760599999798,1.7696692707708097,null,null,-5.7714982299999988,-2.083822170000019,-19.130997990000001,-7.2219434759999928,8.7631958619999963,null,null,-2.9438919699999957,-2.0744192869999996]
["Net gains/losses from hedge accounting",-3.9454770739999998,-0.439731541,-3.5057455329999998,">500,0%",null,-4.4631884450000001,1.4857863740000001,-5.948974819,"–",null,null,-4.4631884450000001,1.4857863740000001,1.3128969069999998,-2.2809719100000003,-9.2667596359999997,null,null,-0.439731541,4.5742775149999995]
["Other net operating income ",-8.3883512649999972,0.94554197700000009,-9.3338932419999967,"–",null,-3.2947087179999999,-8.0388048650000012,4.7440961470000014,-0.59014943473192527,null,null,-3.2947087179999999,-8.0388048650000012,1.869457181,1.0757051370000001,7.9301430840000009,null,null,0.94554197700000009,5.717081862999998]
["Operating income",684.373261394,538.55569269,145.817568704,0.27075671222722475,null,183.31992692100002,178.43469478199998,4.8852321390000384,2.7378263767416477E-2,null,null,183.31992692100002,178.43469478199998,161.07589227399998,161.54274741699999,172.38144711300001,null,null,538.55569269,361.68999428799998]
["Staff expenses",-102.042587368,-78.87302442299999,-23.16956294500001,0.2937577595698686,null,-31.612493741999998,-24.545244815,-7.0672489269999978,0.28792741650232334,null,null,-31.612493741999998,-24.545244815,-23.979858589000003,-21.904990221999999,-23.525658998000001,null,null,-78.87302442299999,-75.269011493999997]
["Other administrative expenses",-144.893002739,-117.43634026000001,-27.456662478999988,0.2338003927763066,null,-41.360511080000002,-35.157454379000001,-6.2030567010000013,0.1764364573763102,null,null,-41.360511080000002,-35.157454379000001,-36.132492679999999,-32.242544599999988,-31.202954739999999,null,null,-117.43634026000001,-105.20704512500001]
["Depreciation ",-32.966396752000001,-27.583629964,-5.3827667880000014,0.19514352516420685,null,-10.791813866,-7.7745702269999999,-3.0172436390000001,0.38809137365838353,null,null,-10.791813866,-7.7745702269999999,-7.2232931950000001,-7.1767194639999996,-8.5449360500000004,null,null,-27.583629964,-26.833382305000001]
["General administrative expenses",-279.90198685899998,-223.89299464700002,-56.008992211999953,0.25015964568389593,null,-83.764818688000005,-67.477269421000003,-16.287549267000003,0.24137831015922906,null,null,-83.764818688000005,-67.477269421000003,-67.335644463999998,-61.324254285999984,-63.273549787999997,null,null,-223.89299464700002,-207.30943892400001]
["Operating result",404.47127453500002,314.66269804299998,89.808576492000043,0.28541221139509632,null,99.555108233000013,110.95742536099998,-11.402317127999964,-0.10276299302099456,null,null,99.555108233000013,110.95742536099998,93.740247809999985,100.218493131,109.10789732500001,null,null,314.66269804299998,154.38055536399997]
["Other result",-12.944222602,-16.152291068,3.2080684660000003,-0.19861383456342263,null,-4.8671092870000008,1.8771490000000016E-2,-4.8858807770000006,"–",null,null,-4.8671092870000008,1.8771490000000016E-2,-8.2420461590000009,0.14616135399999999,-11.606550485,null,null,-16.152291068,-4.4454508190000004]
["Net modification gains/losses",-12.860487762,-16.146414720999999,3.2859269589999993,-0.20350814814178708,null,-4.8486578710000003,4.8950932000000016E-2,-4.8976088030000007,"–",null,null,-4.8486578710000003,4.8950932000000016E-2,-8.2325077180000008,0.17172689499999999,-11.565489767999999,null,null,-16.146414720999999,-4.35009625]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-8.3734839999999991E-2,-5.8763469999999996E-3,-7.7858492999999987E-2,">500,0%",null,-1.8451416000000002E-2,-3.0179442000000001E-2,1.1728025999999999E-2,-0.38860976952456572,null,null,-1.8451416000000002E-2,-3.0179442000000001E-2,-9.5384409999999999E-3,-2.5565541000000001E-2,-4.1060716999999997E-2,null,null,-5.8763469999999996E-3,-9.5354569E-2]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-97.398686402999999,-73.458214682000005,-23.940471720999994,0.32590598375740676,null,-0.96509340100000007,-1.8394973879999998,0.87440398699999977,-0.47534940397534275,null,null,-0.96509340100000007,-1.8394973879999998,-8.8916318130000001,-85.702463801000007,-1.201167544,null,null,-73.458214682000005,-22.478054214]
["Bank levies",-91.294803775999995,-60.025748034000003,-31.269055741999992,0.52092738143452144,null,-3.6733682999999996E-2,0.38831201899999995,-0.42504570199999997,"–",null,null,-3.6733682999999996E-2,0.38831201899999995,-7.7072192410000007,-83.939162871000008,0.67999747199999994,null,null,-60.025748034000003,-13.235595313999999]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-2.4583234040000002,-3.6510958450000004,1.1927724410000002,-0.32668888783991923,null,-4.67085E-4,9.1619220000000012E-3,-9.6290070000000019E-3,"–",null,null,-4.67085E-4,9.1619220000000012E-3,1.4065485390000001,-3.87356678,4.2582607000000001E-2,null,null,-3.6510958450000004,-5.5088296530000003]
["Deposit insurance fees",-3.6455592230000002,-9.7813708029999997,6.1358115799999995,-0.62729567292532384,null,-0.92789263300000002,-2.2369713289999997,1.3090786959999998,-0.58520137429977759,null,null,-0.92789263300000002,-2.2369713289999997,-2.5909611109999999,2.1102658500000002,-1.9237476229999999,null,null,-9.7813708029999997,-3.7336292470000001]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-3.7336292470000001]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-3.7336292470000001]
["Impairment losses on financial assets ",2.4055911390000011,-19.684961553000001,22.090552692000003,"–",null,-1.548494955,8.1955392640000007,-9.7440342190000013,"–",null,null,-1.548494955,8.1955392640000007,-11.348523538,7.1070703680000005,3.5957829909999997,null,null,-19.684961553000001,-15.618492855000001]
["Profit/loss before tax",296.53395666900002,205.36723074,91.166725929000023,0.4439205105921662,null,92.174410590000008,117.332238727,-25.157828136999996,-0.21441530827290678,null,null,92.174410590000008,117.332238727,65.258046300000004,21.769261052000001,99.895962287000003,null,null,205.36723074,111.83855747599999]
["Income taxes",-32.999518043000002,-22.124070785000001,-10.875447258000001,0.49156628378596112,null,-11.733777971,-11.666122914999999,-6.7655056000001323E-2,5.7992750884710009E-3,null,null,-11.733777971,-11.666122914999999,-3.2606768100000001,-6.3389403470000003,-3.2683149,null,null,-22.124070785000001,-10.567616364000001]
["Profit/loss after tax",263.534438626,183.24315995500001,80.291278670999986,0.43816794411708204,null,80.440632618999999,105.666115812,-25.225483193000002,-0.23872821480332362,null,null,80.440632618999999,105.666115812,61.997369490000004,15.430320705,96.627647386999996,null,null,183.24315995500001,101.270941112]
[]
["Return on equity before tax",0.31079724974393874,0.28523040758035884,2.5566842163579908,8.9635752304483507E-2,null,0.33865688202080091,0.4812998110943883,-14.264292907358739,-0.29637021620524495,null,null,0.33865688202080091,0.4812998110943883,0.27579928990322206,9.2801905669266341E-2,0.50727655050096776,null,null,0.28523040758035884,0.16531900281718409]
["Return on equity after tax",0.27621045379703096,0.25450273157964648,2.1707722217384484,8.5294653156172684E-2,null,0.29554595094407615,0.43344507981070629,-13.789912886663014,-0.31814671636566583,null,null,0.29554595094407615,0.43344507981070629,0.26201873103286094,6.5779135226107219E-2,0.49067988862929285,null,null,0.25450273157964648,0.14969802344407349]
["Net interest margin (avg. interest bearing assets)",4.5110821665267239E-2,3.4254473708877534E-2,1.0856347956389705,0.31693226550948661,null,4.8496854499387426E-2,4.6777342721274352E-2,0.17195117781130739,3.675950103362835E-2,null,null,4.8496854499387426E-2,4.6777342721274352E-2,4.1956269218545235E-2,4.4080684652464681E-2,4.3498005947883417E-2,null,null,3.4254473708877534E-2,2.0242971956088117E-2]
["Cost/income ratio",0.40899024355344854,0.41572858236571614,-0.67383388122675969,-1.6208505015274377E-2,null,0.45693242461359734,0.37816227109553663,7.8770153518060715,0.20829722988986576,null,null,0.45693242461359734,0.37816227109553663,0.41803676213357827,0.3796162642182877,0.3670554508486214,null,null,0.41572858236571614,0.57316885232641346]
["Loan/deposit ratio",0.60478217796938305,0.64084309485864499,-3.606091688926194,-5.6271054769211681E-2,null,0.60478217796938305,0.60343741752111779,0.13447604482652586,2.2285002706485812E-3,null,null,0.60478217796938305,0.60343741752111779,0.63935718496354355,0.63205795975577805,0.64084309485864499,null,null,0.64084309485864499,0.56400325926399175]
["Provisioning ratio (avg. loans and advances to customers)",-1.3874604035787447E-3,4.0778355131211785E-3,-0.54652959166999227,"–",null,-4.8614328423179253E-4,-7.1442792961738284E-3,0.66581360119420363,-0.93195348836765801,null,null,-4.8614328423179253E-4,-7.1442792961738284E-3,8.1540819721689691E-3,-6.1456578846561883E-3,-2.5555518604986759E-3,null,null,4.0778355131211785E-3,3.762928084074183E-3]
["NPE ratio",1.2848487332798014E-2,1.6843011205527583E-2,-0.3994523872729569,-0.23716209791623455,null,1.2848487332798014E-2,1.1603514994059764E-2,0.12449723387382497,0.10729269013532483,null,null,1.2848487332798014E-2,1.1603514994059764E-2,1.3533495954494282E-2,1.6008323046998972E-2,1.6843011205527583E-2,null,null,1.6843011205527583E-2,2.0214679293525131E-2]
["NPE coverage ratio",0.48990860912528983,0.40960400420029114,8.0304604924998699,0.19605424776494806,null,0.48990860912528983,0.49294599309908477,-0.30373839737949382,-6.1616972575420093E-3,null,null,0.48990860912528983,0.49294599309908477,0.44286493161147394,0.3977925796226689,0.40960400420029114,null,null,0.40960400420029114,0.44995746079215082]
[]
["Assets",11571.249900514,10776.750692309,794.49920820499938,7.3723446972936424E-2,null,11571.249900514,11741.803991421,-170.5540909070005,-1.4525373701657185E-2,null,null,11571.249900514,11741.803991421,11636.292228519,11370.499860448999,10776.750692309,null,null,10776.750692309,10389.102023443002]
["Total risk-weighted assets (RWA) ",4499.8232049236358,3861.1003488494771,638.7228560741587,0.16542508569208358,null,4499.8232049236358,4428.0711199265115,71.752084997124257,1.6203914312540535E-2,null,null,4499.8232049236358,4428.0711199265115,4611.8824465563293,4489.4807229978978,3861.1003488494771,null,null,3861.1003488494771,3890.0050955137453]
["Equity",1196.511225449,879.67430043299998,316.83692501600001,0.36017526584560233,null,1196.511225449,1086.5660810639999,109.94514438500005,0.10118587935060352,null,null,1196.511225449,1086.5660810639999,1031.353540183,938.988270941,879.67430043299998,null,null,879.67430043299998,752.997131008]
["Loans to customers",4604.5718903540001,4607.4602871750003,-2.8883968210002422,-6.2689565204510078E-4,null,4604.5718903540001,4424.3060194499994,180.26587090400062,4.0744439944145228E-2,null,null,4604.5718903540001,4424.3060194499994,4553.3085800170011,4624.2077313739992,4607.4602871750003,null,null,4607.4602871750003,4164.3967871980003]
["  Hereof non-financial corporations %",0.59511209328416637,0.60752063052446748,-1.240853724030111,-2.0424882081105489E-2,null,0.59511209328416637,0.61925888663044892,-2.4146793346282558,-3.899305099628303E-2,null,null,0.59511209328416637,0.61925888663044892,0.61879099067440768,0.58498392165791224,0.60752063052446748,null,null,0.60752063052446748,0.62465841529915622]
["  Hereof households %",0.31537307384799196,0.27853635379500258,3.6836720052989378,0.13225103133252225,null,0.31537307384799196,0.31368629359424993,0.16867802537420262,5.3772838921801736E-3,null,null,0.31537307384799196,0.31368629359424993,0.30995169598405092,0.2960061090489306,0.27853635379500258,null,null,0.27853635379500258,0.30546615304059827]
["  Hereof FCY %",0.39752607928408362,0.47816267476797292,-8.0636595483889302,-0.16863841478847752,null,0.39752607928408362,0.4663141773883232,-6.8788098104239577,-0.14751449010085804,null,null,0.39752607928408362,0.4663141773883232,0.43930157100783451,0.47972353358162084,0.47816267476797292,null,null,0.47816267476797292,0.41684935415585789]
["Deposits from customers",7882.7666915650007,7328.5834113719993,554.18328019300134,7.5619427259715266E-2,null,7882.7666915650007,7986.3214843119986,-103.55479274699792,-1.2966519435814949E-2,null,null,7882.7666915650007,7986.3214843119986,7661.722363504,7494.6699569439998,7328.5834113719993,null,null,7328.5834113719993,7836.1033412509996]
[]
["Business outlets",67,66,1,1.5151515151515138E-2,null,67,67,0,0,null,null,67,67,67,66,66,null,null,66,67]
["Number of employees",2404,2313,91,3.934284479031569E-2,null,2404,2402,2,8.3263946711076287E-4,null,null,2404,2402,2390,2368,2313,null,null,2313,2237]
["Number of customers in million",0.50628700000000004,0.48208499999999999,2.4202000000000057E-2,5.0202765072549616E-2,null,0.50628700000000004,0.49959199999999998,6.695000000000062E-3,1.3400935163093264E-2,null,null,0.50628700000000004,0.49959199999999998,0.495253,0.489844,0.48208499999999999,null,null,0.48208499999999999,0.44933400000000001]

{"sheet":"CE-PL","index":19,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Poland",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",19.172539721,12.088325888,7.0842138329999997,0.58603762825689953,null,4.3791462400000007,7.288965410999996,-2.9098191709999952,-0.39920880494352462,null,null,4.3791462400000007,7.288965410999996,7.0838140799999998,0.42061399000000144,2.6065267480000003,null,null,12.088325888,12.512617070000001]
["Dividend income",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",0.49835827000000021,0.96793553700000023,-0.46957726700000002,-0.48513278937500148,null,0.16500471800000005,0.18908107400000002,-2.4076355999999965E-2,-0.12733350562626888,null,null,0.16500471800000005,0.18908107400000002,3.3419572000000008E-2,0.110852906,-0.32888507300000003,null,null,0.96793553700000023,2.288975293]
["Net trading income and fair value result",2.0470902619999998,2.025358743,2.173151899999981E-2,1.0729713476739677E-2,null,0.65255631200000008,0.7090211529999999,-5.6464840999999821E-2,-7.9637738255179835E-2,null,null,0.65255631200000008,0.7090211529999999,0.61748810099999996,6.8024696000000023E-2,0.451812767,null,null,2.025358743,1.647471302]
["Net gains/losses from hedge accounting",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Other net operating income ",13.86610216200004,-0.53259280200001058,14.39869496400005,"–",null,10.472535227000039,3.2978249009999967,7.1747103260000422,2.1755886201915877,null,null,10.472535227000039,3.2978249009999967,0.25928187700001271,-0.16353984299998814,19.584881809999985,null,null,-0.53259280200001058,-2.1750269959999855]
["Operating income",35.584090415000041,14.54902736599999,21.035063049000051,1.445805449384022,null,15.66924249700004,11.484892538999992,4.1843499580000483,0.36433514234382081,null,null,15.66924249700004,11.484892538999992,7.9940036300000124,0.43595174900001332,22.314336251999986,null,null,14.54902736599999,14.274036669000015]
["Staff expenses",-14.918067627000001,-7.8984319060000008,-7.0196357210000002,0.88873789184250263,null,-4.9931335190000006,-3.4912570839999999,-1.5018764350000007,0.43018213751227741,null,null,-4.9931335190000006,-3.4912570839999999,-3.408313696,-3.0253633280000001,-3.1739201430000001,null,null,-7.8984319060000008,-6.9133784680000003]
["Other administrative expenses",-50.892563048,-33.441333067999999,-17.451229980000001,0.521846122118232,null,-14.251808118000001,-12.754088292999999,-1.4977198250000026,0.11743056740653235,null,null,-14.251808118000001,-12.754088292999999,-14.02731067,-9.8593559669999991,-13.792972120999998,null,null,-33.441333067999999,-21.125934874999999]
["Depreciation ",-1.621760087,-1.453840212,-0.16791987499999994,0.11550091517210004,null,-0.45622749000000001,-0.404031327,-5.2196163000000018E-2,0.129188405729737,null,null,-0.45622749000000001,-0.404031327,-0.39663388500000002,-0.36486738499999999,-0.36654772699999999,null,null,-1.453840212,-1.6112395160000001]
["General administrative expenses",-67.432390761999997,-42.793605186000001,-24.638785575999997,0.57575858516497735,null,-19.701169127000004,-16.649376703999998,-3.0517924230000055,0.18329769800132012,null,null,-19.701169127000004,-16.649376703999998,-17.832258250999999,-13.24958668,-17.333439990999999,null,null,-42.793605186000001,-29.650552859000001]
["Operating result",-31.848300346999956,-28.244577820000011,-3.6037225269999453,0.12758988822442752,null,-4.0319266299999637,-5.1644841650000064,1.1325575350000427,-0.2192973196966016,null,null,-4.0319266299999637,-5.1644841650000064,-9.8382546209999866,-12.813634930999987,4.9808962609999874,null,null,-28.244577820000011,-15.376516189999986]
["Other result",-872.80730129100004,-504.56921482799999,-368.23808646300006,0.7298068840536116,null,-273.08230194999999,-175.37430254799997,-97.707999402000013,0.5571397746557385,null,null,-273.08230194999999,-175.37430254799997,-338.35638086100005,-85.994315931999992,-318.83226682799994,null,null,-504.56921482799999,-278.28777000000002]
["Net modification gains/losses",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-3.6432910000000003E-3,-1.2820827999999999E-2,9.1775369999999995E-3,-0.71583028802819904,null,-3.7950000000000001E-5,-2.7547999999999998E-5,-1.0402000000000003E-5,0.37759546972557012,null,null,-3.7950000000000001E-5,-2.7547999999999998E-5,-5.6860999999999997E-5,-3.5209319999999996E-3,-1.2820827999999999E-2,null,null,-1.2820827999999999E-2,0]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",-872.80365800000004,-504.55639400000001,-368.24726400000003,0.72984361783749385,null,-273.08226400000001,-175.37427499999998,-97.707989000000026,0.55713980285877174,null,null,-273.08226400000001,-175.37427499999998,-338.35632400000003,-85.990794999999991,-318.81944599999997,null,null,-504.55639400000001,-278.28777000000002]
["Governmental measures and compulsory contributions",-4.2485242950000002,-30.862238923,26.613714628,-0.86233907703197132,null,-0.82315533900000004,-0.96554680599999998,0.14239146699999994,-0.14747236085828852,null,null,-0.82315533900000004,-0.96554680599999998,-0.964369382,-1.4954527679999998,-19.666581078,null,null,-30.862238923,-4.9773042150000002]
["Bank levies",-4.2485242950000002,-5.116743467,0.86821917199999987,-0.16968198183072991,null,-0.82315533900000004,-0.96554680599999998,0.14239146699999994,-0.14747236085828852,null,null,-0.82315533900000004,-0.96554680599999998,-0.964369382,-1.4954527679999998,-1.180031608,null,null,-5.116743467,-4.9773042150000002]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Contribution to borrowers' support fund",0,-25.745495456,25.745495456,"–",null,0,0,0,"–",null,null,0,0,0,0,-18.48654947,null,null,-25.745495456,0]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment losses on financial assets ",40.708069964000003,45.818690843999995,-5.1106208799999919,-0.11154008955428796,null,12.140487925,17.169612140000002,-5.0291242150000013,-0.29290843462233274,null,null,12.140487925,17.169612140000002,6.3933626849999996,5.004607214,5.3889683010000002,null,null,45.818690843999995,-12.466018343]
["Profit/loss before tax",-868.19605596899999,-517.85734072699995,-350.33871524200003,0.6765158812853227,null,-265.79689599400001,-164.334721379,-101.46217461500001,0.61741166908361977,null,null,-265.79689599400001,-164.334721379,-342.765642179,-95.298796416999991,-328.12898334400001,null,null,-517.85734072699995,-311.10760874800002]
["Income taxes",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss after tax",-868.19605596899999,-517.85734072699995,-350.33871524200003,0.6765158812853227,null,-265.79689599400001,-164.334721379,-101.46217461500001,0.61741166908361977,null,null,-265.79689599400001,-164.334721379,-342.765642179,-95.298796416999991,-328.12898334400001,null,null,-517.85734072699995,-311.10760874800002]
[]
["Return on equity before tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Return on equity after tax","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Net interest margin (avg. interest bearing assets)",1.0355484764343198E-2,4.9743264072470072E-3,0.53811583570961907,1.0817863398060243,null,1.1298028252708368E-2,1.677606771964564E-2,-0.54780394669372723,-0.3265389457460407,null,null,1.1298028252708368E-2,1.677606771964564E-2,1.459379272358499E-2,7.843063108951728E-4,4.9158889035844731E-3,null,null,4.9743264072470072E-3,4.7278722768323142E-3]
["Cost/income ratio","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Loan/deposit ratio","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Provisioning ratio (avg. loans and advances to customers)",-2.6135381470336751E-2,-2.0413414517821294E-2,-0.57219669525154571,0.28030425520042579,null,-3.8622078389768867E-2,-4.7287382296174359E-2,0.86653039064054915,-0.1832476970734439,null,null,-3.8622078389768867E-2,-4.7287382296174359E-2,-1.5734518911550237E-2,-1.0896363085468222E-2,-1.0759323866593347E-2,null,null,-2.0413414517821294E-2,4.9068796092958892E-3]
["NPE ratio",9.1484975201947691E-2,7.9108627396827114E-2,1.2376347805120578,0.15644751037125149,null,9.1484975201947691E-2,8.9106237340824471E-2,0.23787378611232202,2.6695525836476941E-2,null,null,9.1484975201947691E-2,8.9106237340824471E-2,8.9187360217121758E-2,7.5233188876668577E-2,7.9108627396827114E-2,null,null,7.9108627396827114E-2,6.8404582521513949E-2]
["NPE coverage ratio",0.84040184674805485,0.85643560684998044,-1.6033760101925587,-1.8721501037186727E-2,null,0.84040184674805485,0.83536504847333037,0.50367982747244744,6.0294577609267819E-3,null,null,0.84040184674805485,0.83536504847333037,0.8293398614474915,0.8585215155407796,0.85643560684998044,null,null,0.85643560684998044,0.82469333433092928]
[]
["Assets",1430.956860927,2043.2250974200001,-612.26823649300013,-0.29965775051711974,null,1430.956860927,1675.6391134969999,-244.68225256999995,-0.14602324008739365,null,null,1430.956860927,1675.6391134969999,1782.0483540590001,2032.666023769,2043.2250974200001,null,null,2043.2250974200001,2589.279056974]
["Total risk-weighted assets (RWA) ",1193.7467151844389,2649.8315606015526,-1456.0848454171137,-0.54950090679973629,null,1193.7467151844389,2065.8364105831292,-872.08969539869031,-0.42214847745496131,null,null,1193.7467151844389,2065.8364105831292,2296.21105364297,2450.874113642441,2649.8315606015526,null,null,2649.8315606015526,3220.300399492357]
["Equity","–","–","–","–",null,"–","–","–","–",null,null,"–","–","–","–","–",null,null,"–","–"]
["Loans to customers",1167.6774013129998,1908.837528415,-741.16012710200016,-0.3882782667823077,null,1167.6774013129998,1347.0475293300001,-179.3701280170003,-0.13315798003520796,null,null,1167.6774013129998,1347.0475293300001,1557.678646031,1692.938787366,1908.837528415,null,null,1908.837528415,2503.7749887969999]
["  Hereof non-financial corporations %",3.4175962350668915E-2,2.4783970112051704E-2,0.93919922386172106,0.37895430781084438,null,3.4175962350668915E-2,3.0577798129726812E-2,0.35981642209421022,0.11767244344006822,null,null,3.4175962350668915E-2,3.0577798129726812E-2,2.7143025697072155E-2,2.5950190695525854E-2,2.4783970112051704E-2,null,null,2.4783970112051704E-2,2.3269860331176822E-2]
["  Hereof households %",0.965824037649331,0.97521602988794831,-0.93919922386173083,-9.6306786914653886E-3,null,0.965824037649331,0.96942220187027317,-0.35981642209421683,-3.711658567340792E-3,null,null,0.965824037649331,0.96942220187027317,0.97285697430292783,0.97404980930447416,0.97521602988794831,null,null,0.97521602988794831,0.97673013966882316]
["  Hereof FCY %",0.98889044665272408,0.96262993537283137,2.6260511279892707,2.7279965347973389E-2,null,0.98889044665272408,0.94890141550452856,3.998903114819552,4.214245072754319E-2,null,null,0.98889044665272408,0.94890141550452856,0.95332173742426995,0.96020791107622505,0.96262993537283137,null,null,0.96262993537283137,0.96943773766888097]
["Deposits from customers",13.364377463,14.485683001999998,-1.121305538999998,-7.7407847379041939E-2,null,13.364377463,12.909726465,0.45465099799999997,3.5217709626351956E-2,null,null,13.364377463,12.909726465,14.352864963,14.112367452999999,14.485683001999998,null,null,14.485683001999998,14.746381039999999]
[]
["Business outlets",1,1,0,0,null,1,1,0,0,null,null,1,1,1,1,1,null,null,1,1]
["Number of employees",291,260,31,0.11923076923076925,null,291,284,7,2.464788732394374E-2,null,null,291,284,267,266,260,null,null,260,247]
["Number of customers in million",3.5499999999999997E-2,3.7892000000000002E-2,-2.3920000000000052E-3,-6.3126781378655239E-2,null,3.5499999999999997E-2,3.6115000000000001E-2,-6.1500000000000443E-4,-1.702893534542449E-2,null,null,3.5499999999999997E-2,3.6115000000000001E-2,3.6759E-2,3.7332999999999998E-2,3.7892000000000002E-2,null,null,3.7892000000000002E-2,3.9812E-2]

{"sheet":"CE-SK","index":20,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Slovakia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",404.21640599999995,321.53927900000002,82.677126999999928,0.2571291671024738,null,111.43293600000001,103.139782,8.2931540000000155,8.0406937451157567E-2,null,null,111.43293600000001,103.139782,99.041247999999996,90.602440000000001,92.627062999999993,null,null,321.53927900000002,299.74736800000005]
["Dividend income",4.0149999999999998E-2,4.0348000000000002E-2,-1.9800000000000373E-4,-4.9073064340240391E-3,null,0,1.4999999999999999E-4,-1.4999999999999999E-4,"–",null,null,0,1.4999999999999999E-4,0.04,0,0,null,null,4.0348000000000002E-2,2.5839999999999998E-2]
["Current income from investments in associates",4.6017855000000001,3.5664788250000004,1.0353066749999997,0.29028818781785404,null,1.329849625,1.4192948249999999,-8.9445199999999891E-2,-6.3020873763842467E-2,null,null,1.329849625,1.4192948249999999,2.3790607750000001,-0.52641972500000001,-0.23481705,null,null,3.5664788250000004,4.5323420639999998]
["Net fee and commission income",192.76026899999999,185.00393800000001,7.7563309999999888,4.1925221072861563E-2,null,50.715314000000006,47.792360000000002,2.9229540000000043,6.1159440546564525E-2,null,null,50.715314000000006,47.792360000000002,48.137917000000002,46.114678000000005,47.03349,null,null,185.00393800000001,170.88632000000001]
["Net trading income and fair value result",14.239022000000002,10.707740999999999,3.5312810000000034,0.32978767416955668,null,2.8928219999999998,5.0846169999999997,-2.1917949999999999,-0.4310639326423209,null,null,2.8928219999999998,5.0846169999999997,2.6313650000000002,3.6302180000000002,5.9670449999999997,null,null,10.707740999999999,6.3741339999999997]
["Net gains/losses from hedge accounting",-0.34849200000000002,1.4144E-2,-0.36263600000000001,"–",null,-1.620792,1.550338,-3.1711299999999998,"–",null,null,-1.620792,1.550338,-0.10649599999999999,-0.171542,-0.44587199999999999,null,null,1.4144E-2,-0.44311699999999998]
["Other net operating income ",-0.54614400000000052,12.871605000000001,-13.417749000000001,"–",null,-2.4422519999999999,0.88330399999999998,-3.3255559999999997,"–",null,null,-2.4422519999999999,0.88330399999999998,0.7668830000000002,0.24592100000000008,10.559620000000001,null,null,12.871605000000001,0.83710500000000043]
["Operating income",614.96299649999992,533.74353382499999,81.219462674999932,0.15216945504323354,null,162.30787762500003,159.86984582500003,2.4380318000000045,1.5250104154530542E-2,null,null,162.30787762500003,159.86984582500003,152.88997777500001,139.89529527500005,155.50652894999999,null,null,533.74353382499999,481.95999206400012]
["Staff expenses",-159.48945800000001,-139.825525,-19.663933000000014,0.14063192682451953,null,-44.875798000000003,-39.668818999999999,-5.206979000000004,0.13126125584933601,null,null,-44.875798000000003,-39.668818999999999,-38.186104,-36.758737000000004,-39.359903000000003,null,null,-139.825525,-128.408311]
["Other administrative expenses",-76.211347000000004,-67.559835000000007,-8.6515119999999968,0.12805703270293645,null,-17.8689,-19.156751,1.2878509999999999,-6.722700524739289E-2,null,null,-17.8689,-19.156751,-20.379300000000001,-18.806395999999999,-16.233891,null,null,-67.559835000000007,-67.461794999999995]
["Depreciation ",-35.703659000000002,-35.042149000000002,-0.66150999999999982,1.8877552287104304E-2,null,-9.4089980000000004,-9.1405630000000002,-0.2684350000000002,2.9367447059880147E-2,null,null,-9.4089980000000004,-9.1405630000000002,-8.6598310000000005,-8.4942670000000007,-9.2700659999999999,null,null,-35.042149000000002,-32.560523000000003]
["General administrative expenses",-271.40446400000002,-242.42750899999999,-28.976955000000032,0.11952832877559305,null,-72.153695999999997,-67.966132999999999,-4.1875629999999973,6.1612494564020626E-2,null,null,-72.153695999999997,-67.966132999999999,-67.225234999999998,-64.059400000000011,-64.863860000000003,null,null,-242.42750899999999,-228.43062900000001]
["Operating result",343.5585324999999,291.316024825,52.242507674999899,0.17933276312685908,null,90.154181625000035,91.903712825000028,-1.7495311999999927,-1.9036567144260941E-2,null,null,90.154181625000035,91.903712825000028,85.664742775000008,75.835895275000041,90.642668949999987,null,null,291.316024825,253.52936306400011]
["Other result",-1.265819,-0.32298699999999947,-0.94283200000000056,2.9191020072015346,null,-1.339259,2.3012999999999999E-2,-1.3622719999999999,"–",null,null,-1.339259,2.3012999999999999E-2,-4.4949999999999999E-3,5.4921999999999999E-2,-0.45368299999999984,null,null,-0.32298699999999947,-3.1022679999999996]
["Net modification gains/losses",-0.21823699999999999,-5.6420000000000003E-3,-0.21259499999999998,">500,0%",null,-0.21823699999999999,0,-0.21823699999999999,"–",null,null,-0.21823699999999999,0,0,0,-5.6420000000000003E-3,null,null,-5.6420000000000003E-3,-3.0727000000000001E-2]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-1.047582,-4.1713259999999996,3.1237439999999994,-0.74886115350370597,null,-1.121022,2.3012999999999999E-2,-1.1440349999999999,"–",null,null,-1.121022,2.3012999999999999E-2,-4.4949999999999999E-3,5.4921999999999999E-2,-3.2636959999999999,null,null,-4.1713259999999996,-0.281476]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,3.8539810000000001,-3.8539810000000001,"–",null,0,0,0,"–",null,null,0,0,0,0,2.815655,null,null,3.8539810000000001,-2.7900649999999998]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-7.3431519999999999,-11.228283999999999,3.8851319999999987,-0.34601297936532416,null,0,0,0,"–",null,null,0,0,0.64105500000000004,-7.9842069999999996,0,null,null,-11.228283999999999,-10.348932999999999]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-5.9589449999999999,-6.2021369999999996,0.24319199999999963,-3.9211000982403266E-2,null,0,0,0,"–",null,null,0,0,0.64105500000000004,-6.6,0,null,null,-6.2021369999999996,-5.7573639999999999]
["Deposit insurance fees",-1.384207,-5.0261469999999999,3.64194,-0.72459878312353387,null,0,0,0,"–",null,null,0,0,0,-1.384207,0,null,null,-5.0261469999999999,-4.5915689999999998]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-4.5915689999999998]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-4.5915689999999998]
["Impairment losses on financial assets ",-29.596712,-44.282979000000005,14.686267000000004,-0.3316458678175197,null,-4.0275699999999999,0.93107000000000006,-4.9586399999999999,"–",null,null,-4.0275699999999999,0.93107000000000006,-11.442821,-15.057391000000001,-6.4147869999999996,null,null,-44.282979000000005,-27.285462000000003]
["Profit/loss before tax",305.35284949999999,235.481774825,69.871074674999988,0.29671542405744633,null,84.787352624999997,92.857795824999997,-8.0704431999999997,-8.6911854069954164E-2,null,null,84.787352624999997,92.857795824999997,74.858481775000001,52.849219274999996,83.774198949999999,null,null,235.481774825,212.792700064]
["Income taxes",-63.693384999999999,-44.748801999999998,-18.944583000000002,0.42335397045936562,null,-15.465501,-19.408211999999999,3.9427109999999992,-0.20314653405475991,null,null,-15.465501,-19.408211999999999,-17.246656000000002,-11.573016000000001,-16.527667000000001,null,null,-44.748801999999998,-47.474837000000001]
["Profit/loss after tax",241.65946450000001,190.73297282499999,50.926491675000022,0.26700413106718446,null,69.321851624999994,73.449583825000005,-4.1277322000000112,-5.6198170024144622E-2,null,null,69.321851624999994,73.449583825000005,57.611825775,41.276203275,67.246531950000005,null,null,190.73297282499999,165.31786306400002]
[]
["Return on equity before tax",0.20206990143284856,0.16534995291514273,3.6719948517705827,0.22207413954662836,null,0.20669866061323242,0.2413939254480201,-3.4695264834787687,-0.14372882321041958,null,null,0.20669866061323242,0.2413939254480201,0.20125401963618508,0.13675543798809248,0.22208941701763338,null,null,0.16534995291514273,0.15613174072465602]
["Return on equity after tax",0.15992025046365244,0.13392836069549929,2.5991889768153142,0.19407308230441589,null,0.16899612310683026,0.19094017044572847,-2.1944047338898209,-0.114926300147697,null,null,0.16899612310683026,0.19094017044572847,0.15488707813562017,0.10680848903341084,0.17827377956961243,null,null,0.13392836069549929,0.12129817294155087]
["Net interest margin (avg. interest bearing assets)",1.8867561288200243E-2,1.6449983435578793E-2,0.24175778526214498,0.14696536699195684,null,2.0748247812027273E-2,1.9574612112737037E-2,0.11736356992902361,5.9957034782138097E-2,null,null,2.0748247812027273E-2,1.9574612112737037E-2,1.8570731253382055E-2,1.6751097994280269E-2,1.8013093579266722E-2,null,null,1.6449983435578793E-2,1.6953298622581461E-2]
["Cost/income ratio",0.44133462589565731,0.4542022406579363,-1.2867614762278989,-2.8330143734296764E-2,null,0.44454833034478836,0.42513416241358287,1.9414167931205484,4.5665979466309681E-2,null,null,0.44454833034478836,0.42513416241358287,0.43969680667317379,0.45790960928367785,0.41711341921120026,null,null,0.4542022406579363,0.47396180753871869]
["Loan/deposit ratio",0.95155029808615921,0.96199350845706233,-1.0443210370903122,-1.0855801290855838E-2,null,0.95155029808615921,1.0267288272910913,-7.5178529204932065,-7.3221406866779248E-2,null,null,0.95155029808615921,1.0267288272910913,1.0066736619475654,0.95200874235760624,0.96199350845706233,null,null,0.96199350845706233,0.97486067929225984]
["Provisioning ratio (avg. loans and advances to customers)",2.095468580016452E-3,3.3053721830204E-3,-0.1209903603003948,-0.36604156385752484,null,1.1099186121238092E-3,-2.480172103272232E-4,0.13579358224510324,"–",null,null,1.1099186121238092E-3,-2.480172103272232E-4,3.2916625568207509E-3,4.2844109645564137E-3,2.0590118472356444E-3,null,null,3.3053721830204E-3,2.317398872062287E-3]
["NPE ratio",1.0613011030091017E-2,1.0784897597520167E-2,-1.7188656742915011E-2,-1.5937709734830774E-2,null,1.0613011030091017E-2,1.1957656095775433E-2,-0.13446450656844164,-0.1124505551016366,null,null,1.0613011030091017E-2,1.1957656095775433E-2,1.1600958230443589E-2,1.1242948322986774E-2,1.0784897597520167E-2,null,null,1.0784897597520167E-2,1.2405870974076128E-2]
["NPE coverage ratio",0.57421721469866305,0.62251096337158984,-4.82937486729268,-7.7578952845042903E-2,null,0.57421721469866305,0.60925024060089428,-3.503302590223123,-5.7501866339320085E-2,null,null,0.57421721469866305,0.60925024060089428,0.60055626160123288,0.59631303280221415,0.62251096337158984,null,null,0.62251096337158984,0.71058234896559769]
[]
["Assets",22323.500804419997,21813.314663599998,510.1861408199984,2.338874896768206E-2,null,22323.500804419997,21494.543566794997,828.95723762499983,3.8565938143742873E-2,null,null,22323.500804419997,21494.543566794997,21800.596387970003,21916.845308194999,21813.314663599998,null,null,21813.314663599998,19597.212846789]
["Total risk-weighted assets (RWA) ",7987.7138816914812,7691.6062149814743,296.10766671000692,3.8497507339007697E-2,null,7987.7138816914812,7987.6323060357881,8.1575655693086446E-2,1.0212745475524088E-5,null,null,7987.7138816914812,7987.6323060357881,8109.566127939881,8045.4428001241058,7691.6062149814743,null,null,7691.6062149814743,6826.5146969145562]
["Equity",1713.60420142,1571.1265586,142.47764282000003,9.0685019637730013E-2,null,1713.60420142,1641.4284317950001,72.17576962499993,4.3971316828033347E-2,null,null,1713.60420142,1641.4284317950001,1567.0193089700001,1507.5501761949999,1571.1265586,null,null,1571.1265586,1515.285653789]
["Loans to customers",14126.551880999999,13756.02613,370.52575099999922,2.6935522475632245E-2,null,14126.551880999999,14065.1152,61.436680999999226,4.3680183294907415E-3,null,null,14126.551880999999,14065.1152,14006.452861,13801.848391,13756.02613,null,null,13756.02613,12485.804678]
["  Hereof non-financial corporations %",0.43130195091660956,0.43153977521559134,-2.3782429898178137E-2,-5.5110632354338218E-4,null,0.43130195091660956,0.43119496376396543,1.069871526441224E-2,2.4811781591838056E-4,null,null,0.43130195091660956,0.43119496376396543,0.43003797797881299,0.42434502365778087,0.43153977521559134,null,null,0.43153977521559134,0.42776140839450671]
["  Hereof households %",0.55213188347048126,0.55546998172211226,-0.33380982516310054,-6.0095025140367575E-3,null,0.55213188347048126,0.55171252660625203,4.1935686422922558E-2,7.6010031312656601E-4,null,null,0.55213188347048126,0.55171252660625203,0.55212528566264529,0.55651575907822914,0.55546998172211226,null,null,0.55546998172211226,0.56493085867573112]
["  Hereof FCY %",1.8806908410130847E-3,1.8879483080190135E-3,-7.2574670059288166E-4,-3.8441026033938508E-3,null,1.8806908410130847E-3,1.9605729319464751E-3,-7.9882090933390461E-3,-4.0744258798922961E-2,null,null,1.8806908410130847E-3,1.9605729319464751E-3,2.0230267922681797E-3,1.8932493875532409E-3,1.8879483080190135E-3,null,null,1.8879483080190135E-3,5.3678481251906102E-3]
["Deposits from customers",15742.254972000001,15498.754433999997,243.50053800000387,1.5710974648764697E-2,null,15742.254972000001,14642.406482,1099.8484900000003,7.5113915964022171E-2,null,null,15742.254972000001,14642.406482,15057.180702000001,15142.942064999999,15498.754433999997,null,null,15498.754433999997,13530.315866000001]
[]
["Business outlets",143,142,1,7.0422535211267512E-3,null,143,141,2,1.4184397163120588E-2,null,null,143,141,141,142,142,null,null,142,156]
["Number of employees",3484,3466,18,5.1933064050779798E-3,null,3484,3464,20,5.7736720554273369E-3,null,null,3484,3464,3453,3483,3466,null,null,3466,3471]
["Number of customers in million",1.2706710000000001,1.1974940000000001,7.3177000000000048E-2,6.1108448142537686E-2,null,1.2706710000000001,1.2550380000000001,1.5633000000000008E-2,1.2456196545443277E-2,null,null,1.2706710000000001,1.2550380000000001,1.2256800000000001,1.210278,1.1974940000000001,null,null,1.1974940000000001,1.148066]

{"sheet":"SEE-AL","index":21,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Albania",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",114.326050481,71.963192343000003,42.362858137999993,0.58867397010522859,null,31.534515674000001,30.298175443000002,1.2363402309999998,4.0805765130178528E-2,null,null,31.534515674000001,30.298175443000002,27.734636388000002,24.758722976000001,22.515671859000001,null,null,71.963192343000003,55.463532876000009]
["Dividend income",0,1.026331286,-1.026331286,"–",null,0,0,0,"–",null,null,0,0,0,0,6.392315E-3,null,null,1.026331286,1.8082694539999999]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",19.608391085999997,18.593934350999998,1.0144567349999996,5.4558476751072282E-2,null,4.607890147,5.8156437159999994,-1.2077535689999994,-0.20767323927998338,null,null,4.607890147,5.8156437159999994,4.8169616459999993,4.3678955770000005,4.5729097900000006,null,null,18.593934350999998,16.196199697000004]
["Net trading income and fair value result",-2.002849044,3.826027600000001E-2,-2.0411093199999999,"–",null,0.91114678000000004,1.8023087869999999,-0.89116200699999981,-0.49445578550574965,null,null,0.91114678000000004,1.8023087869999999,-4.8120288990000004,9.5724288000000018E-2,8.9174073999999992E-2,null,null,3.826027600000001E-2,1.8440354720000001]
["Net gains/losses from hedge accounting",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Other net operating income ",-1.3794909860000002,9.386426399999992E-2,-1.47335525,"–",null,-1.7104785759999999,-3.4823541000000006E-2,-1.6756550349999999,">500,0%",null,null,-1.7104785759999999,-3.4823541000000006E-2,0.36221736100000002,3.5937700000000317E-3,4.6949412999999968E-2,null,null,9.386426399999992E-2,-0.62233640499999998]
["Operating income",130.552101537,91.715582520000012,38.836519016999986,0.4234451545737179,null,35.343074025000007,37.881304405000002,-2.5382303799999946,-6.7004830479516664E-2,null,null,35.343074025000007,37.881304405000002,28.101786495999999,29.225936610999998,27.231097451,null,null,91.715582520000012,74.689701094000014]
["Staff expenses",-25.822428035999998,-21.846256852000003,-3.9761711839999947,0.18200697771416974,null,-7.1648546809999996,-6.70969412,-0.45516056099999957,6.7836260917360613E-2,null,null,-7.1648546809999996,-6.70969412,-6.3565829190000001,-5.5912963159999993,-6.3076145979999998,null,null,-21.846256852000003,-19.132846853]
["Other administrative expenses",-19.130668670999999,-16.303204194999999,-2.8274644759999994,0.17342998604330484,null,-5.7344757089999998,-4.8533242149999998,-0.88115149400000004,0.18155628080165265,null,null,-5.7344757089999998,-4.8533242149999998,-4.3244343269999996,-4.2184344200000004,-4.9666533370000003,null,null,-16.303204194999999,-15.301333378000001]
["Depreciation ",-8.0399037549999992,-6.5973267269999996,-1.4425770279999997,0.21866084365598515,null,-2.2007397590000002,-2.0790434329999998,-0.12169632600000035,5.8534768474940435E-2,null,null,-2.2007397590000002,-2.0790434329999998,-1.9924272269999999,-1.767693336,-1.6895111200000001,null,null,-6.5973267269999996,-5.7467579549999996]
["General administrative expenses",-52.993000461999998,-44.746787774000005,-8.2462126879999929,0.18428613758039258,null,-15.100070149,-13.642061767999998,-1.4580083810000026,0.10687595510086556,null,null,-15.100070149,-13.642061767999998,-12.673444473,-11.577424071999999,-12.963779055000002,null,null,-44.746787774000005,-40.180938185999999]
["Operating result",77.559101075000001,46.968794746000007,30.590306328999993,0.65128999997610437,null,20.243003876000007,24.239242637000004,-3.9962387609999972,-0.16486648617065025,null,null,20.243003876000007,24.239242637000004,15.428342022999999,17.648512538999999,14.267318395999999,null,null,46.968794746000007,34.508762908000016]
["Other result",-1.5259734359999999,-1.625690216,9.971678000000006E-2,-6.1338119045430739E-2,null,-1.5259734359999999,0,-1.5259734359999999,"–",null,null,-1.5259734359999999,0,0,0,-1.625690216,null,null,-1.625690216,-1.3796974559999999]
["Net modification gains/losses",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-1.5259734359999999,-1.625690216,9.971678000000006E-2,-6.1338119045430739E-2,null,-1.5259734359999999,0,-1.5259734359999999,"–",null,null,-1.5259734359999999,0,0,0,-1.625690216,null,null,-1.625690216,-1.3796974559999999]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-7.3580942939999998,-6.1840516110000001,-1.1740426829999997,0.18985007837121692,null,-1.6034715980000001,-1.569083553,-3.4388045000000034E-2,2.1916006279112388E-2,null,null,-1.6034715980000001,-1.569083553,-1.529155665,-2.656383478,-1.3851643229999997,null,null,-6.1840516110000001,-5.6574759019999998]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-1.2907240230000001,-0.93128193799999992,-0.35944208500000019,0.38596484086433569,null,-1.7849213999999999E-2,-2.1833475999999997E-2,3.9842619999999988E-3,-0.18248409002762545,null,null,-1.7849213999999999E-2,-2.1833475999999997E-2,-2.6510421999999999E-2,-1.224530911,-5.8003180000000005E-3,null,null,-0.93128193799999992,-0.83692790300000008]
["Deposit insurance fees",-6.0673702709999997,-5.2527696730000004,-0.81460059799999929,0.15508020505585174,null,-1.5856223840000001,-1.5472500769999999,-3.8372307000000161E-2,2.4800326443932708E-2,null,null,-1.5856223840000001,-1.5472500769999999,-1.5026452429999999,-1.431852567,-1.3793640049999998,null,null,-5.2527696730000004,-4.8205479989999995]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-4.8205479989999995]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-4.8205479989999995]
["Impairment losses on financial assets ",2.3316897109999997,-1.5698967530000001,3.9015864639999998,"–",null,-5.62965012,-3.0697324049999999,-2.5599177150000001,0.83392210696619351,null,null,-5.62965012,-3.0697324049999999,4.8282431140000002,6.2028291220000007,-4.9545407679999993,null,null,-1.5698967530000001,6.1797140779999999]
["Profit/loss before tax",71.006723055999998,37.589156166000002,33.417566889999996,0.88902147051193259,null,11.483908721999999,19.600426679000002,-8.1165179570000028,-0.41409904436907397,null,null,11.483908721999999,19.600426679000002,18.727429472000001,21.194958182999997,6.3019230889999998,null,null,37.589156166000002,33.651303628000001]
["Income taxes",-11.132759487,-5.976659014,-5.1561004729999995,0.86270614751855734,null,-2.2645191230000004,-2.9588088180000001,0.69428969499999971,-0.23465175944328276,null,null,-2.2645191230000004,-2.9588088180000001,-2.7195376389999999,-3.1898939070000001,-1.293885266,null,null,-5.976659014,-5.0578921689999996]
["Profit/loss after tax",59.873963568999997,31.612497152,28.261466416999998,0.89399664572882398,null,9.2193895989999994,16.641617861,-7.4222282620000009,-0.44600400778305083,null,null,9.2193895989999994,16.641617861,16.007891833000002,18.005064275999999,5.0080378229999996,null,null,31.612497152,28.593411458999999]
[]
["Return on equity before tax",0.26177395675527021,0.15254163170913537,10.923232504613484,0.71608205459882446,null,0.14977911693694831,0.25618490741121697,-10.640579047426865,-0.41534761571051748,null,null,0.14977911693694831,0.25618490741121697,0.26736315683042294,0.32818810892902817,9.482261514829049E-2,null,null,0.15254163170913537,0.15427955283143105]
["Return on equity after tax",0.22073183602230242,0.1282875805104732,9.2444255511829212,0.72060175384071745,null,0.12024407945619912,0.21751216954174243,-9.7268090085543317,-0.44718458875413281,null,null,0.12024407945619912,0.21751216954174243,0.22853753106211808,0.27879498250794177,7.5354020738099103E-2,null,null,0.1282875805104732,0.13109087191941923]
["Net interest margin (avg. interest bearing assets)",4.7500771719968395E-2,3.3150751824380396E-2,1.4350019895587998,0.43287162751568165,null,4.9125597976663764E-2,4.8974515115958794E-2,1.510828607049694E-2,3.0849281579867771E-3,null,null,4.9125597976663764E-2,4.8974515115958794E-2,4.7914030825016385E-2,4.3685035402309669E-2,3.9804979344705817E-2,null,null,3.3150751824380396E-2,2.893987168067973E-2]
["Cost/income ratio",0.40591457232866657,0.48788642610695154,-8.1971853778284967,-0.16801421271826,null,0.4272426936694565,0.36012650520554323,6.7116188463913264,0.18636836637616128,null,null,0.4272426936694565,0.36012650520554323,0.45098358692618834,0.39613526252713865,0.47606524409554918,null,null,0.48788642610695154,0.53797160247609854]
["Loan/deposit ratio",0.48011299795711243,0.48973413557733497,-0.96211376202225418,-1.9645634072210316E-2,null,0.48011299795711243,0.48498038991912396,-0.48673919620115247,-1.0036265513381326E-2,null,null,0.48011299795711243,0.48498038991912396,0.49429754099754991,0.48196068832260874,0.48973413557733497,null,null,0.48973413557733497,0.48712269250808177]
["Provisioning ratio (avg. loans and advances to customers)",-2.0269926953599871E-3,1.1490674760217918E-3,-0.31760601713817793,"–",null,2.0262002217142864E-2,1.1105172065580697E-2,0.91568301515621664,0.82455545015306786,null,null,2.0262002217142864E-2,1.1105172065580697E-2,-1.7929655052907788E-2,-2.4424624360727603E-2,1.8808823444873689E-2,null,null,1.1490674760217918E-3,-1.0480291307624023E-2]
["NPE ratio",2.665719644534021E-2,3.1344171592459419E-2,-0.46869751471192089,-0.14953258960102078,null,2.665719644534021E-2,2.7906855829012422E-2,-0.12496593836722122,-4.477965526926353E-2,null,null,2.665719644534021E-2,2.7906855829012422E-2,2.8631323240774477E-2,3.0187351086540651E-2,3.1344171592459419E-2,null,null,3.1344171592459419E-2,3.662906473925371E-2]
["NPE coverage ratio",0.72381074120838373,0.79017808823389579,-6.6367347025512053,-8.3990366239903969E-2,null,0.72381074120838373,0.75625318969456645,-3.2442448486182718,-4.2898924498137259E-2,null,null,0.72381074120838373,0.75625318969456645,0.74895770584171284,0.75196775554334383,0.79017808823389579,null,null,0.79017808823389579,0.77982598073409637]
[]
["Assets",2907.7608961479996,2467.5531883540002,440.20770779399936,0.17839846770948165,null,2907.7608961479996,2761.2609048969998,146.49999125099976,5.3055468605370582E-2,null,null,2907.7608961479996,2761.2609048969998,2694.7583263350002,2531.0659521149996,2467.5531883540002,null,null,2467.5531883540002,2262.9397248400001]
["Total risk-weighted assets (RWA) ",1708.2974497373011,1520.2427238753673,188.05472586193378,0.12370046105700094,null,1708.2974497373011,1605.1783071548969,103.11914258240427,6.4241550065037956E-2,null,null,1708.2974497373011,1605.1783071548969,1597.1527506253824,1533.9098096144073,1520.2427238753673,null,null,1520.2427238753673,1547.301190852284]
["Equity",299.63202883099996,259.45069744099999,40.181331389999968,0.15487077809508421,null,299.63202883099996,330.38795348299999,-30.755924652000033,-9.309033313038928E-2,null,null,299.63202883099996,330.38795348299999,314.33279419500002,280.03947825400002,259.45069744099999,null,null,259.45069744099999,244.30895428099998]
["Loans to customers",1158.484893067,1034.6764317939999,123.80846127300015,0.11965911029628051,null,1158.484893067,1101.4967449400001,56.988148126999931,5.1737010017314455E-2,null,null,1158.484893067,1101.4967449400001,1104.2116488920001,1020.405294356,1034.6764317939999,null,null,1034.6764317939999,886.40828013399994]
["  Hereof non-financial corporations %",0.54792384665588301,0.57232221271944306,-2.4398366063560051,-4.2630471998682196E-2,null,0.54792384665588301,0.53736289810937365,1.0560948546509352,1.9653289394683471E-2,null,null,0.54792384665588301,0.53736289810937365,0.5484545152341832,0.55137790991577273,0.57232221271944306,null,null,0.57232221271944306,0.58405175391720965]
["  Hereof households %",0.44773123672662518,0.4179868181515759,2.9744418575049281,7.1161140216299712E-2,null,0.44773123672662518,0.45354824661621024,-0.58170098895850564,-1.2825559205628223E-2,null,null,0.44773123672662518,0.45354824661621024,0.44248750914036827,0.43872896133544798,0.4179868181515759,null,null,0.4179868181515759,0.41588589031938117]
["  Hereof FCY %",0.40513123020173569,0.47655941902767762,-7.1428188825941934,-0.14988307013567503,null,0.40513123020173569,0.4281715504416132,-2.3040320239877508,-5.3810955482945788E-2,null,null,0.40513123020173569,0.4281715504416132,0.40630072096168057,0.43988864224318408,0.47655941902767762,null,null,0.47655941902767762,0.48889013327342151]
["Deposits from customers",2491.128329832,2181.1512464140001,309.97708341799989,0.14211627182096098,null,2491.128329832,2327.940006838,163.18832299399992,7.0099883379578953E-2,null,null,2491.128329832,2327.940006838,2297.8094560039999,2223.8611558960001,2181.1512464140001,null,null,2181.1512464140001,1963.936415054]
[]
["Business outlets",76,76,0,0,null,76,76,0,0,null,null,76,76,76,76,76,null,null,76,76]
["Number of employees",1271,1247,24,1.9246190858059453E-2,null,1271,1262,9,7.1315372424722856E-3,null,null,1271,1262,1264,1250,1247,null,null,1247,1225]
["Number of customers in million",0.47268100000000002,0.46517500000000001,7.5060000000000127E-3,1.6135862847315607E-2,null,0.47268100000000002,0.46212799999999998,1.0553000000000035E-2,2.2835664577779413E-2,null,null,0.47268100000000002,0.46212799999999998,0.46626299999999998,0.46888200000000002,0.46517500000000001,null,null,0.46517500000000001,0.48157899999999998]

{"sheet":"SEE-BH","index":22,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Bosnia and Herzegovina",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",86.108649526999997,64.192741698999995,21.915907828000002,0.34140787958183449,null,23.399018321,22.274309627000001,1.1247086939999988,5.0493537749725537E-2,null,null,23.399018321,22.274309627000001,21.271421854,19.163899725,17.578419901,null,null,64.192741698999995,60.345929351000002]
["Dividend income",0,5.7824897869999994,-5.7824897869999994,"–",null,0,0,0,"–",null,null,0,0,0,0,1.8668263600000001,null,null,5.7824897869999994,1.1035529669999999]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",53.879214451999999,56.476169193999993,-2.5969547419999941,-4.5983195727728132E-2,null,13.768029940000002,13.903179726000001,-0.13514978599999949,-9.7207824874232518E-3,null,null,13.768029940000002,13.903179726000001,13.365026611999998,12.842978174000001,15.540823585000002,null,null,56.476169193999993,48.910346504000003]
["Net trading income and fair value result",1.8814032910000003,2.6533890980000003,-0.77198580700000008,-0.29094331004144347,null,0.40558484100000003,0.54023355800000006,-0.13464871700000003,-0.24924167520892881,null,null,0.40558484100000003,0.54023355800000006,0.51512043500000004,0.42046445700000001,0.65962890399999996,null,null,2.6533890980000003,2.0126534510000003]
["Net gains/losses from hedge accounting",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Other net operating income ",-2.633499843000001,1.2561971130000003,-3.8896969560000012,"–",null,-1.4590946010000001,0.34316581499999987,-1.802260416,"–",null,null,-1.4590946010000001,0.34316581499999987,-1.7400760799999997,0.22250502300000002,0.72267272800000026,null,null,1.2561971130000003,0.89749927400000007]
["Operating income",139.23576742699998,130.36098689100001,8.8747805359999745,6.8078500689938259E-2,null,36.113538501000008,37.060888725999995,-0.94735022499998678,-2.5561994263115895E-2,null,null,36.113538501000008,37.060888725999995,33.411492820999996,32.649847379000001,36.368371478000007,null,null,130.36098689100001,113.269981547]
["Staff expenses",-32.540773483000002,-29.821007960999999,-2.719765522000003,9.1203004457693693E-2,null,-9.7887587370000002,-8.3509982980000004,-1.4377604389999998,0.17216629529721406,null,null,-9.7887587370000002,-8.3509982980000004,-7.3374209409999995,-7.0635955070000005,-9.1213152480000002,null,null,-29.821007960999999,-26.170329732999999]
["Other administrative expenses",-24.357726387,-25.075320962999999,0.71759457599999976,-2.8617562944013741E-2,null,-8.7537531360000003,-4.9379138290000002,-3.8158393070000001,0.77276344609131487,null,null,-8.7537531360000003,-4.9379138290000002,-5.6994135470000007,-4.9666458750000002,-10.942195898,null,null,-25.075320962999999,-19.882647262999999]
["Depreciation ",-8.8096966520000013,-8.3513112080000003,-0.45838544400000103,5.4887841272266202E-2,null,-2.2421089789999997,-2.2269358769999998,-1.5173101999999883E-2,6.8134436005584664E-3,null,null,-2.2421089789999997,-2.2269358769999998,-2.242024105,-2.0986276909999999,-2.108204701,null,null,-8.3513112080000003,-8.2532316199999993]
["General administrative expenses",-65.708196522000009,-63.247640132000001,-2.4605563900000078,3.8903528809371313E-2,null,-20.784620852000003,-15.515848003999999,-5.2687728480000047,0.33957363120866546,null,null,-20.784620852000003,-15.515848003999999,-15.278858593000001,-14.128869073000001,-22.171715847000002,null,null,-63.247640132000001,-54.306208615999999]
["Operating result",73.527570904999976,67.113346759000009,6.4142241459999667,9.557300381745315E-2,null,15.328917649000005,21.545040721999996,-6.2161230729999915,-0.28851758291886664,null,null,15.328917649000005,21.545040721999996,18.132634227999993,18.520978306,14.196655631000006,null,null,67.113346759000009,58.963772931000001]
["Other result",7.5242224999999996E-2,-0.74938005899999993,0.82462228399999993,"–",null,4.064105799999998E-2,0.40353200499999997,-0.36289094700000002,-0.89928665509443295,null,null,4.064105799999998E-2,0.40353200499999997,-0.220471105,-0.14845973300000001,-0.23152932500000001,null,null,-0.74938005899999993,-6.82811185]
["Net modification gains/losses",-0.62378478700000006,-0.11143402000000001,-0.51235076700000004,4.5977948834655704,null,-0.13902128499999999,-0.115832664,-2.3188620999999993E-2,0.20019069059829264,null,null,-0.13902128499999999,-0.115832664,-0.220471105,-0.14845973300000001,-8.6802019999999997E-3,null,null,-0.11143402000000001,-6.4105780000000001E-3]
["Impairment or reversal of impairment on investments in subsidiaries and associates",-5.1100000000000006E-7,-1.12566583,1.1256653189999999,-0.99999954604644969,null,-5.1100000000000006E-7,0,-5.1100000000000006E-7,"–",null,null,-5.1100000000000006E-7,0,0,0,-0.41210074499999999,null,null,-1.12566583,-0.83002510400000007]
["Impairment on non-financial assets",0.69902752300000004,0.48771979100000001,0.21130773200000003,0.43325642284628962,null,0.17966285399999998,0.519364669,-0.33970181500000002,-0.65407185986307437,null,null,0.17966285399999998,0.519364669,0,0,0.18925162200000001,null,null,0.48771979100000001,-5.9916761679999997]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-5.5071534849999999,-5.2932831589999996,-0.21387032600000033,4.0404096961327962E-2,null,-1.400065957,-1.3675222279999999,-3.2543729000000132E-2,2.379758685721356E-2,null,null,-1.400065957,-1.3675222279999999,-1.3690985419999999,-1.3704667579999998,-1.3093131820000001,null,null,-5.2932831589999996,-5.3116247319999994]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",-5.5071534849999999,-5.2932831589999996,-0.21387032600000033,4.0404096961327962E-2,null,-1.400065957,-1.3675222279999999,-3.2543729000000132E-2,2.379758685721356E-2,null,null,-1.400065957,-1.3675222279999999,-1.3690985419999999,-1.3704667579999998,-1.3093131820000001,null,null,-5.2932831589999996,-5.3116247319999994]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-5.3116247319999994]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-5.3116247319999994]
["Impairment losses on financial assets ",-2.3437210799999995,-5.5276010700000002,3.1838799900000008,-0.57599670267087499,null,-3.0226123949999999,0.52286139399999998,-3.5454737889999999,"–",null,null,-3.0226123949999999,0.52286139399999998,2.036441306,-1.8804113849999999,-1.2209138999999869E-2,null,null,-5.5276010700000002,-7.5628111840000001]
["Profit/loss before tax",65.751938565000003,55.543082470999998,10.208856094000005,0.18380067579667059,null,10.946880355000001,21.103911892999999,-10.157031537999998,-0.48128667279780513,null,null,10.946880355000001,21.103911892999999,18.579505887,15.121640429999999,12.643603984999999,null,null,55.543082470999998,39.261225164999999]
["Income taxes",-3.05843197,-3.4705475419999998,0.41211557199999982,-0.11874655713908089,null,1.2646666640000002,-1.6739384310000001,2.9386050950000002,"–",null,null,1.2646666640000002,-1.6739384310000001,-1.2425215889999999,-1.406638614,0.15135875800000001,null,null,-3.4705475419999998,-4.2356687439999998]
["Profit/loss after tax",62.693506595000002,52.072534929,10.620971666000003,0.20396494390913578,null,12.211547018999999,19.429973462,-7.2184264430000002,-0.37150984570912438,null,null,12.211547018999999,19.429973462,17.336984298000001,13.715001815999999,12.794962743000001,null,null,52.072534929,35.025556420999997]
[]
["Return on equity before tax",0.20396942520022629,0.17945111136163439,2.4518313838591905,0.13662949007421843,null,0.12633624263351814,0.26206704447584006,-13.573080184232191,-0.51792396145725572,null,null,0.12633624263351814,0.26206704447584006,0.22802529682975503,0.17880650699785564,0.15178997745135256,null,null,0.17945111136163439,0.12602431348893825]
["Return on equity after tax",0.19448184773027527,0.16823830887141503,2.6243538858860243,0.15599026782252223,null,0.14093156379646932,0.24128018280436944,-10.034861900790013,-0.41590079152610315,null,null,0.14093156379646932,0.24128018280436944,0.2127758948342291,0.16217364640697299,0.15360708137924695,null,null,0.16823830887141503,0.11242827201581032]
["Net interest margin (avg. interest bearing assets)",3.779453266836915E-2,3.0276951943192715E-2,0.75175807251764359,0.24829384210409744,null,3.8866813065415978E-2,3.914216539854401E-2,-2.7535233312803165E-2,-7.0346729754066084E-3,null,null,3.8866813065415978E-2,3.914216539854401E-2,3.8484537621157625E-2,3.5015835779046621E-2,3.2131972114370778E-2,null,null,3.0276951943192715E-2,2.825312960390975E-2]
["Cost/income ratio",0.47192038178300832,0.48517306933924842,-1.3252687556240095,-2.7315381651930482E-2,null,0.57553542839410365,0.41865828201564109,15.687714637846256,0.37471406423198772,null,null,0.57553542839410365,0.41865828201564109,0.45729350301273691,0.43273920729220683,0.60964280076197941,null,null,0.48517306933924842,0.47944042962050176]
["Loan/deposit ratio",0.69932766269713231,0.66967660811397878,2.9651054583153535,4.4276676568799855E-2,null,0.69932766269713231,0.69088992734054,0.8437735356592313,1.2212850445036727E-2,null,null,0.69932766269713231,0.69088992734054,0.67627526426154427,0.66656966452354038,0.66967660811397878,null,null,0.66967660811397878,0.65378273186683944]
["Provisioning ratio (avg. loans and advances to customers)",1.6772452256210517E-3,4.1985826453415451E-3,-0.25213374197204935,-0.600521088352993,null,8.1143808616821033E-3,-1.5261643781973738E-3,0.96405452398794778,"–",null,null,8.1143808616821033E-3,-1.5261643781973738E-3,-5.8761275662729852E-3,5.7182041552888913E-3,-5.6649648703745962E-4,null,null,4.1985826453415451E-3,5.8732833236489392E-3]
["NPE ratio",2.5321109844931244E-2,3.2455482885705107E-2,-0.71343730407738626,-0.21982027091996126,null,2.5321109844931244E-2,2.6736107220311008E-2,-0.14149973753797632,-5.2924584858966006E-2,null,null,2.5321109844931244E-2,2.6736107220311008E-2,2.8137349398978263E-2,2.9752452952088095E-2,3.2455482885705107E-2,null,null,3.2455482885705107E-2,4.7926316994296225E-2]
["NPE coverage ratio",0.75139055667661259,0.79933177593952298,-4.7941219262910391,-5.9976621355457782E-2,null,0.75139055667661259,0.78872348269694781,-3.7332926020335222,-4.7333351725093342E-2,null,null,0.75139055667661259,0.78872348269694781,0.79209535479369364,0.78286758944555401,0.79933177593952298,null,null,0.79933177593952298,0.72715693021892414]
[]
["Assets",2723.652223046,2630.0480276929998,93.60419535300025,3.559029887188303E-2,null,2723.652223046,2679.3739110269998,44.278312019000168,1.6525618853259871E-2,null,null,2723.652223046,2679.3739110269998,2655.4023045949998,2611.8446129770005,2630.0480276929998,null,null,2630.0480276929998,2553.1381669150001]
["Total risk-weighted assets (RWA) ",1650.6179018033849,1707.3946253446716,-56.776723541286628,-3.3253427589901796E-2,null,1650.6179018033849,1713.2534653488674,-62.635563545482455,-3.6559426151651198E-2,null,null,1650.6179018033849,1713.2534653488674,1692.1173227106685,1702.0677196029394,1707.3946253446716,null,null,1707.3946253446716,1928.9614551255731]
["Equity",362.41585076499996,338.24419729799996,24.171653466999999,7.1462137887628785E-2,null,362.41585076499996,350.20430323799997,12.211547526999993,3.4869781479244022E-2,null,null,362.41585076499996,350.20430323799997,330.79205574899999,352.10009530500002,338.24419729799996,null,null,338.24419729799996,312.24245409500003]
["Loans to customers",1505.7687462609999,1344.714609143,161.05413711799997,0.11976826608631952,null,1505.7687462609999,1446.6461783490001,59.122567911999795,4.0868713301737802E-2,null,null,1505.7687462609999,1446.6461783490001,1396.2056231880001,1344.179139802,1344.714609143,null,null,1344.714609143,1284.0787455970001]
["  Hereof non-financial corporations %",0.36975875534442321,0.36267440974840898,0.70843455960142299,1.9533624114612014E-2,null,0.36975875534442321,0.36447104850803375,0.52877068363894608,1.4507892624214591E-2,null,null,0.36975875534442321,0.36447104850803375,0.36057098174085533,0.35667282606440481,0.36267440974840898,null,null,0.36267440974840898,0.364440888217824]
["  Hereof households %",0.59912344654325078,0.61819578820281706,-1.9072341659566283,-3.0851620188180662E-2,null,0.59912344654325078,0.61275329595772732,-1.3629849414476536,-2.2243616647011577E-2,null,null,0.59912344654325078,0.61275329595772732,0.6182634000986017,0.62480938719500767,0.61819578820281706,null,null,0.61819578820281706,0.62379502896887706]
["  Hereof FCY %",4.0769114119018762E-2,4.0018907183506168E-2,7.5020693551259426E-2,1.8746312388604913E-2,null,4.0769114119018762E-2,4.3438410781175427E-2,-0.26692966621566644,-6.1450145485373864E-2,null,null,4.0769114119018762E-2,4.3438410781175427E-2,4.2238779734482104E-2,4.0877812397266164E-2,4.0018907183506168E-2,null,null,4.0018907183506168E-2,3.9218529039836046E-2]
["Deposits from customers",2250.0181539299997,2150.230168266,99.787985663999734,4.6408048373942856E-2,null,2250.0181539299997,2219.6972231760001,30.320930753999619,1.3659939940193988E-2,null,null,2250.0181539299997,2219.6972231760001,2212.7115628650004,2150.4790554400001,2150.230168266,null,null,2150.230168266,2106.028800559]
[]
["Business outlets",87,93,-6,-6.4516129032258118E-2,null,87,88,-1,-1.1363636363636354E-2,null,null,87,88,88,93,93,null,null,93,98]
["Number of employees",1376,1338,38,2.8400597907324299E-2,null,1376,1392,-16,-1.1494252873563204E-2,null,null,1376,1392,1365,1352,1338,null,null,1338,1266]
["Number of customers in million",0.44584600000000002,0.43034499999999998,1.5501000000000043E-2,3.6019937492012266E-2,null,0.44584600000000002,0.44381999999999999,2.0260000000000278E-3,4.5649137037537812E-3,null,null,0.44584600000000002,0.44381999999999999,0.44933800000000002,0.44548500000000002,0.43034499999999998,null,null,0.43034499999999998,0.419873]

{"sheet":"SEE-HR","index":23,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Croatia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",180.65012999999999,116.31956582000001,64.330564179999982,0.55305024332320007,null,48.313578000000007,47.319061999999995,0.9945160000000115,2.1017238253793202E-2,null,null,48.313578000000007,47.319061999999995,44.201718999999997,40.815770999999998,31.734955119999999,null,null,116.31956582000001,110.48555669400001]
["Dividend income",6.3810000000000004E-3,9.434853E-3,-3.0538529999999996E-3,-0.32367785698409923,null,9.9999999999999995E-7,1.578E-3,-1.5770000000000001E-3,-0.99936628643852976,null,null,9.9999999999999995E-7,1.578E-3,4.8019999999999998E-3,0,-5.9999999999999995E-8,null,null,9.434853E-3,0.31028196699999999]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",73.444062000000002,87.166588968999974,-13.722526968999972,-0.15742874800206152,null,18.666257000000002,19.561502999999998,-0.89524599999999666,-4.5765706244555782E-2,null,null,18.666257000000002,19.561502999999998,17.143301000000001,18.073001000000001,20.617179576999998,null,null,87.166588968999974,76.128065449999994]
["Net trading income and fair value result",6.4179350000000008,-4.6603326770000022,11.078267677000003,"–",null,16.254121999999999,-4.1922979999999992,20.446419999999996,"–",null,null,16.254121999999999,-4.1922979999999992,-6.7952339999999998,1.1513449999999998,0.62334606699999995,null,null,-4.6603326770000022,4.1938789720000011]
["Net gains/losses from hedge accounting",3.3409000000000001E-2,-8.6848674000000001E-2,0.12025767400000001,"–",null,-0.109138,9.1300999999999993E-2,-0.20043899999999998,"–",null,null,-0.109138,9.1300999999999993E-2,-5.2599999999999999E-3,5.6506000000000001E-2,6.1202390000000002E-2,null,null,-8.6848674000000001E-2,1.2632260000000001E-3]
["Other net operating income ",-4.5279150000000019,-1.2890200179999995,-3.2388949820000024,2.5126801265859036,null,-11.495585999999998,4.6752669999999936,-16.17085299999999,"–",null,null,-11.495585999999998,4.6752669999999936,4.2626510000000009,-1.9702469999999992,-12.078404379,null,null,-1.2890200179999995,2.4317373950000025]
["Operating income",256.024002,197.45938827299995,58.564613727000051,0.29659067740061462,null,71.629233999999997,67.456412999999998,4.172820999999999,6.1859515121267972E-2,null,null,71.629233999999997,67.456412999999998,58.811978999999994,58.126376,40.958278714999992,null,null,197.45938827299995,193.550783704]
["Staff expenses",-58.871186999999999,-54.668035773,-4.2031512269999993,7.6884987133119198E-2,null,-14.793362,-15.638423,0.8450609999999994,-5.4037481912338592E-2,null,null,-14.793362,-15.638423,-14.017241,-14.422160999999999,-14.545159425000001,null,null,-54.668035773,-51.576525709999999]
["Other administrative expenses",-45.559303,-52.517134362999997,6.9578313629999968,-0.13248688161290867,null,-14.163297999999999,-10.106450000000001,-4.0568479999999987,0.40141177169035602,null,null,-14.163297999999999,-10.106450000000001,-10.921829000000001,-10.367725999999999,-15.709379481000001,null,null,-52.517134362999997,-37.193161681999996]
["Depreciation ",-20.319706,-19.606126712000002,-0.71357928799999826,3.6395729686029776E-2,null,-5.3061780000000001,-5.2083890000000004,-9.7788999999999682E-2,1.8775287329728885E-2,null,null,-5.3061780000000001,-5.2083890000000004,-4.9543699999999999,-4.8507689999999997,-5.2583823600000006,null,null,-19.606126712000002,-18.417986366999997]
["General administrative expenses",-124.75019599999999,-126.791296848,2.0411008480000135,-1.6098114766086247E-2,null,-34.262838000000002,-30.953261999999999,-3.3095760000000034,0.10692171959129881,null,null,-34.262838000000002,-30.953261999999999,-29.893440000000002,-29.640656,-35.512921265999999,null,null,-126.791296848,-107.18767375899999]
["Operating result",131.27380600000001,70.668091424999943,60.605714575000064,0.85761074556995665,null,37.366395999999995,36.503151000000003,0.8632449999999956,2.3648506398803448E-2,null,null,37.366395999999995,36.503151000000003,28.918538999999992,28.485720000000001,5.4453574489999923,null,null,70.668091424999943,86.363109945000005]
["Other result",-11.549491,-5.7946430659999999,-5.7548479339999998,0.99313242739082619,null,-6.3986470000000004,-0.52202899999999997,-5.8766180000000006,">500,0%",null,null,-6.3986470000000004,-0.52202899999999997,-5.4592260000000001,0.83041100000000001,-5.0342203829999992,null,null,-5.7946430659999999,-21.009784684]
["Net modification gains/losses",-1.5663E-2,-0.16569921400000001,0.150036214,-0.9054732993482999,null,1.07E-4,-3.4999999999999997E-5,1.4199999999999998E-4,"–",null,null,1.07E-4,-3.4999999999999997E-5,3.3790000000000001E-3,-1.9113999999999999E-2,-1.8364524E-2,null,null,-0.16569921400000001,0.101024316]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,6.8453000000000003E-5,-6.8453000000000003E-5,"–",null,0,0,0,"–",null,null,0,0,0,0,-1.0000000000000001E-9,null,null,6.8453000000000003E-5,0]
["Impairment on non-financial assets",-6.6639860000000004,0,-6.6639860000000004,"–",null,-6.6639860000000004,0,-6.6639860000000004,"–",null,null,-6.6639860000000004,0,0,0,0,null,null,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0.76291269499999992,-0.76291269499999992,"–",null,0,0,0,"–",null,null,0,0,0,0,-4.8579999999999999E-6,null,null,0.76291269499999992,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",-4.8698420000000002,-6.3919249999999996,1.5220829999999994,-0.23812591668394101,null,0.26523200000000002,-0.52199399999999996,0.78722599999999998,"–",null,null,0.26523200000000002,-0.52199399999999996,-5.4626049999999999,0.84952499999999997,-5.0158509999999996,null,null,-6.3919249999999996,-21.110809]
["Governmental measures and compulsory contributions",-2.1847219999999998,-4.0499695669999998,1.8652475669999999,-0.46055841559858324,null,-1.834589,0,-1.834589,"–",null,null,-1.834589,0,1.95,-2.3001329999999998,2.5789E-5,null,null,-4.0499695669999998,-3.0988650090000003]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-0.05,-0.92277044499999994,0.87277044499999989,-0.94581534305641957,null,0,0,0,"–",null,null,0,0,1.95,-2,5.8760000000000002E-6,null,null,-0.92277044499999994,-2.9563987890000001]
["Deposit insurance fees",-2.134722,-3.1271991219999999,0.99247712199999993,-0.31736934019259422,null,-1.834589,0,-1.834589,"–",null,null,-1.834589,0,0,-0.30013299999999998,1.9913000000000001E-5,null,null,-3.1271991219999999,-0.14246622]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-0.14246622]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-0.14246622]
["Impairment losses on financial assets ",12.429956000000001,-8.9723165589999994,21.402272559,"–",null,-2.988553,-7.2304120000000003,4.2418589999999998,-0.58666905841603501,null,null,-2.988553,-7.2304120000000003,30.703187000000003,-8.0542660000000001,-1.713517494,null,null,-8.9723165589999994,-1.102773572]
["Profit/loss before tax",129.969549,51.851162233000004,78.118386767000004,1.5065889249688325,null,26.144607000000001,28.750710000000002,-2.6061030000000009,-9.0644822336561459E-2,null,null,26.144607000000001,28.750710000000002,56.112499999999997,18.961732000000001,-1.302354639,null,null,51.851162233000004,61.151686679999997]
["Income taxes",-25.362538000000001,-8.6862033049999994,-16.676334695000001,1.9198646531103734,null,-6.2258100000000001,-5.1819389999999999,-1.0438710000000002,0.20144409264562935,null,null,-6.2258100000000001,-5.1819389999999999,-10.590939000000001,-3.3638499999999998,-0.38195003300000002,null,null,-8.6862033049999994,-11.269048074999999]
["Profit/loss after tax",104.607011,43.164958928000004,61.442052071999996,1.4234243144882064,null,19.918797000000001,23.568771000000002,-3.6499740000000003,-0.15486484212520035,null,null,19.918797000000001,23.568771000000002,45.521560999999998,15.597882,-1.6843046720000001,null,null,43.164958928000004,49.882638604999997]
[]
["Return on equity before tax",0.19856399487570325,7.3786237185667E-2,12.477775769003625,1.6910708886815868,null,0.15799687421797085,0.18688636691242658,-2.8889492694455732,-0.15458320032511041,null,null,0.15799687421797085,0.18688636691242658,0.33901057658473294,0.10371292786440617,"–",null,null,7.3786237185667E-2,9.0269344934169007E-2]
["Return on equity after tax",0.15981578882116945,6.1425429255738892E-2,9.8390359565430554,1.6017854617798717,null,0.12037311037730629,0.15320254646862491,-3.2829436091318622,-0.21428779643712981,null,null,0.12037311037730629,0.15320254646862491,0.2750241147987898,8.531404255178375E-2,"–",null,null,6.1425429255738892E-2,7.363448753301402E-2]
["Net interest margin (avg. interest bearing assets)",2.8437626951781238E-2,2.0577345301896165E-2,0.78602816498850725,0.38198715794309779,null,2.9223981181442066E-2,2.9000960781246112E-2,2.2302040019595362E-2,7.6901038513239595E-3,null,null,2.9223981181442066E-2,2.9000960781246112E-2,2.8702966132195477E-2,2.6754291773401224E-2,2.0966875675691905E-2,null,null,2.0577345301896165E-2,2.1648453758357503E-2]
["Cost/income ratio",0.48725976871496601,0.64211328697475301,-15.4853518259787,-0.24116230173239761,null,0.4783359542836938,0.458863147674336,1.9472806609357796,4.2437068019195223E-2,null,null,0.4783359542836938,0.458863147674336,0.50828828596296682,0.50993469814804904,0.86705111591992379,null,null,0.64211328697475301,0.55379612372390929]
["Loan/deposit ratio",0.63855328527210375,0.59372853160848948,4.4824753663614274,7.5497051728637743E-2,null,0.63855328527210375,0.63832242919382443,2.3085607827932897E-2,3.6166060868469962E-4,null,null,0.63855328527210375,0.63832242919382443,0.65401064611791948,0.63665237326897861,0.59372853160848948,null,null,0.59372853160848948,0.6337764711894206]
["Provisioning ratio (avg. loans and advances to customers)",-3.7291455468694726E-3,2.9241421855842062E-3,-0.66532877324536788,"–",null,3.2855043784222404E-3,8.3659132763700562E-3,-0.50804088979478157,-0.60727487007278536,null,null,3.2855043784222404E-3,8.3659132763700562E-3,-3.6461728706266794E-2,9.9107331311243108E-3,2.1800639825703422E-3,null,null,2.9241421855842062E-3,3.9272009332915619E-4]
["NPE ratio",1.7626021091533162E-2,1.9141695085530385E-2,-0.15156739939972236,-7.9181806377375263E-2,null,1.7626021091533162E-2,1.6905279734258205E-2,7.2074135727495658E-2,4.2634098258332198E-2,null,null,1.7626021091533162E-2,1.6905279734258205E-2,1.7995041135269389E-2,1.8733459361593902E-2,1.9141695085530385E-2,null,null,1.9141695085530385E-2,2.5938294656592021E-2]
["NPE coverage ratio",0.59798818842125501,0.63715298172313195,-3.9164793301876943,-6.1468429757573606E-2,null,0.59798818842125501,0.61664272607789383,-1.8654537656638825,-3.0251776057247159E-2,null,null,0.59798818842125501,0.61664272607789383,0.60531114322731705,0.683805709431763,0.63715298172313195,null,null,0.63715298172313195,0.63912512592953952]
[]
["Assets",6997.2272819999998,6673.5346123830004,323.69266961699941,4.8503932086659818E-2,null,6997.2272819999998,7150.0753910000003,-152.84810900000048,-2.1377132497427231E-2,null,null,6997.2272819999998,7150.0753910000003,6846.9037079999998,6418.285476,6673.5346123830004,null,null,6673.5346123830004,5921.4358952040002]
["Total risk-weighted assets (RWA) ",2427.1215654019629,2471.9124652468822,-44.790899844919295,-1.8119937689802357E-2,null,2427.1215654019629,2621.7773380561994,-194.65577265423644,-7.4245730111678898E-2,null,null,2427.1215654019629,2621.7773380561994,2580.3116358406519,2465.7952566013441,2471.9124652468822,null,null,2471.9124652468822,2596.2230524678548]
["Equity",685.57185900000002,731.00555047,-45.433691469999985,-6.2152320787151827E-2,null,685.57185900000002,661.80067099999997,23.771188000000052,3.5918954213330023E-2,null,null,685.57185900000002,661.80067099999997,638.01442599999996,747.25249499999995,731.00555047,null,null,731.00555047,726.78724816900001]
["Loans to customers",3480.9980310000001,3187.5993260340001,293.39870496599997,9.2043784351983016E-2,null,3480.9980310000001,3488.5522609999998,-7.554229999999734,-2.1654340926612337E-3,null,null,3480.9980310000001,3488.5522609999998,3456.7026180000003,3315.0697790000004,3187.5993260340001,null,null,3187.5993260340001,2882.7922058130002]
["  Hereof non-financial corporations %",0.32355832608053553,0.33075251748680862,-0.71941914062730872,-2.1750980040718848E-2,null,0.32355832608053553,0.31508096189016793,0.84773641903675978,2.6905352007026817E-2,null,null,0.32355832608053553,0.31508096189016793,0.31739485406898832,0.31389824057154486,0.33075251748680862,null,null,0.33075251748680862,0.34072630473724674]
["  Hereof households %",0.56864445580607104,0.56951451382338403,-8.7005801731299126E-2,-1.5277187783537816E-3,null,0.56864445580607104,0.56516258794266627,0.3481867863404764,6.1608251106635148E-3,null,null,0.56864445580607104,0.56516258794266627,0.56152946420454841,0.56037701612434132,0.56951451382338403,null,null,0.56951451382338403,0.59659877661940786]
["  Hereof FCY %",8.5436035626291831E-3,0.32269317181675777,-31.414956825412858,-0.97352406462606933,null,8.5436035626291831E-3,1.557445038326633E-2,-0.70308468206371466,-0.45143466688181211,null,null,8.5436035626291831E-3,1.557445038326633E-2,3.0774539800944057E-4,3.3317513845473569E-4,0.32269317181675777,null,null,0.32269317181675777,0.54933834225132405]
["Deposits from customers",5091.1626139999998,5051.1388066879999,40.023807311999917,7.9237195499370916E-3,null,5091.1626139999998,5036.4403080000002,54.722305999999662,1.0865274410793102E-2,null,null,5091.1626139999998,5036.4403080000002,4837.4169430000011,4792.8250289999996,5051.1388066879999,null,null,5051.1388066879999,4511.4178814730003]
[]
["Business outlets",70,70,0,0,null,70,71,-1,-1.4084507042253502E-2,null,null,70,71,71,71,70,null,null,70,72]
["Number of employees",1773,1760,13,7.3863636363635798E-3,null,1773,1772,1,5.6433408577882815E-4,null,null,1773,1772,1751,1763,1760,null,null,1760,1745]
["Number of customers in million",0.474381,0.47920200000000002,-4.8210000000000197E-3,-1.0060475540586311E-2,null,0.474381,0.47281699999999999,1.5640000000000098E-3,3.3078336861831481E-3,null,null,0.474381,0.47281699999999999,0.46891699999999997,0.46553699999999998,0.47920200000000002,null,null,0.47920200000000002,0.48670099999999999]

{"sheet":"SEE-KO","index":24,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Kosovo",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",66.303277999999992,55.064847999999998,11.238429999999994,0.20409445241726609,null,17.814208000000001,16.994751999999998,0.8194560000000024,4.8218179353249901E-2,null,null,17.814208000000001,16.994751999999998,16.196641999999997,15.297675999999999,16.00787,null,null,55.064847999999998,48.390855999999999]
["Dividend income",0.30155199999999999,0.216888,8.4663999999999989E-2,0.39035815720556233,null,0,0,0,"–",null,null,0,0,5.2831999999999997E-2,0.24872,-2.6949999999999999E-3,null,null,0.216888,0.25123400000000001]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",17.348393000000002,17.116077999999998,0.23231500000000338,1.357291080351497E-2,null,3.9506000000000001,5.640218,-1.6896179999999998,-0.29956608060184908,null,null,3.9506000000000001,5.640218,4.1804269999999999,3.5771480000000002,3.4213369999999999,null,null,17.116077999999998,14.148936000000001]
["Net trading income and fair value result",1.4284219999999999,-0.28528700000000001,1.7137089999999999,"–",null,0.10918700000000001,0.59089899999999995,-0.48171199999999992,-0.81521884450642157,null,null,0.10918700000000001,0.59089899999999995,0.40703600000000001,0.32130000000000003,-7.5301999999999994E-2,null,null,-0.28528700000000001,4.9271000000000009E-2]
["Net gains/losses from hedge accounting",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Other net operating income ",5.6276380000000001,4.9597940000000005,0.66784399999999966,0.13465156012527935,null,1.9463379999999999,1.36111,0.58522799999999986,0.42996377956226883,null,null,1.9463379999999999,1.36111,1.0905230000000001,1.2296670000000001,2.0174590000000001,null,null,4.9597940000000005,2.3575569999999999]
["Operating income",91.009282999999996,77.072321000000002,13.936961999999994,0.18082966516604571,null,23.820333000000002,24.586978999999999,-0.76664599999999794,-3.1180975914120945E-2,null,null,23.820333000000002,24.586978999999999,21.927459999999996,20.674510999999999,21.368669000000001,null,null,77.072321000000002,65.197853999999992]
["Staff expenses",-20.780536999999999,-19.036588999999999,-1.7439479999999996,9.1610319474775714E-2,null,-7.0965569999999998,-4.6201210000000001,-2.4764359999999996,0.53601106983994562,null,null,-7.0965569999999998,-4.6201210000000001,-4.4658449999999998,-4.598014,-7.2966870000000004,null,null,-19.036588999999999,-15.456666]
["Other administrative expenses",-13.085307999999999,-11.434438999999999,-1.6508690000000001,0.14437691258836582,null,-4.6880379999999997,-2.5868600000000002,-2.1011779999999995,0.81225037303912839,null,null,-4.6880379999999997,-2.5868600000000002,-2.874466,-2.9359440000000001,-4.2081109999999997,null,null,-11.434438999999999,-10.239107000000001]
["Depreciation ",-6.8428839999999997,-6.1238849999999996,-0.71899900000000017,0.11740896506057852,null,-1.8124439999999999,-1.614662,-0.1977819999999999,0.12249127061886633,null,null,-1.8124439999999999,-1.614662,-1.622609,-1.793169,-1.525668,null,null,-6.1238849999999996,-5.7840699999999998]
["General administrative expenses",-40.708728999999998,-36.594912999999998,-4.1138159999999999,0.1124149687143674,null,-13.597038999999999,-8.8216430000000017,-4.7753959999999971,0.54132727883003162,null,null,-13.597038999999999,-8.8216430000000017,-8.9629200000000004,-9.3271270000000008,-13.030466000000001,null,null,-36.594912999999998,-31.479843000000002]
["Operating result",50.300553999999998,40.477408000000004,9.8231459999999942,0.24268218953150344,null,10.223294000000003,15.765335999999998,-5.542041999999995,-0.35153338945646295,null,null,10.223294000000003,15.765335999999998,12.964539999999996,11.347383999999998,8.338203,null,null,40.477408000000004,33.71801099999999]
["Other result",-2.5086000000000001E-2,-3.2183999999999997E-2,7.0979999999999967E-3,-0.2205443698732289,null,-2.5086000000000001E-2,0,-2.5086000000000001E-2,"–",null,null,-2.5086000000000001E-2,0,0,0,-3.2183999999999997E-2,null,null,-3.2183999999999997E-2,-0.127468]
["Net modification gains/losses",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-0.113945]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-2.5086000000000001E-2,-3.2183999999999997E-2,7.0979999999999967E-3,-0.2205443698732289,null,-2.5086000000000001E-2,0,-2.5086000000000001E-2,"–",null,null,-2.5086000000000001E-2,0,0,0,-3.2183999999999997E-2,null,null,-3.2183999999999997E-2,-1.3523E-2]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-1.890849,-1.7299009999999999,-0.16094800000000009,9.3038850200098278E-2,null,-0.48308800000000002,-0.476491,-6.5970000000000195E-3,1.3844962444201414E-2,null,null,-0.48308800000000002,-0.476491,-0.47164600000000001,-0.45962399999999998,-0.44159700000000002,null,null,-1.7299009999999999,-1.6013999999999999]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",-1.890849,-1.7299009999999999,-0.16094800000000009,9.3038850200098278E-2,null,-0.48308800000000002,-0.476491,-6.5970000000000195E-3,1.3844962444201414E-2,null,null,-0.48308800000000002,-0.476491,-0.47164600000000001,-0.45962399999999998,-0.44159700000000002,null,null,-1.7299009999999999,-1.6013999999999999]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-1.6013999999999999]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-1.6013999999999999]
["Impairment losses on financial assets ",-12.770776,-5.4352030000000005,-7.3355729999999992,1.349641034566694,null,-6.8458779999999999,-3.5403369999999996,-3.3055410000000003,0.93367975986466845,null,null,-6.8458779999999999,-3.5403369999999996,-1.8223070000000001,-0.56225400000000003,-1.6641550000000001,null,null,-5.4352030000000005,-3.1257330000000003]
["Profit/loss before tax",35.613843000000003,33.280119999999997,2.3337230000000062,7.0123635371507342E-2,null,2.8692419999999998,11.748507999999999,-8.8792659999999994,-0.75577818051449597,null,null,2.8692419999999998,11.748507999999999,10.670586999999999,10.325506000000001,6.2002670000000002,null,null,33.280119999999997,28.863409999999998]
["Income taxes",-4.2666810000000002,-3.8675229999999998,-0.39915800000000035,0.10320766030350703,null,-0.44439099999999998,-1.4573290000000001,1.0129380000000001,-0.69506473829862725,null,null,-0.44439099999999998,-1.4573290000000001,-1.2265379999999999,-1.138423,-0.46788600000000002,null,null,-3.8675229999999998,-3.2243010000000001]
["Profit/loss after tax",31.347162000000001,29.412597000000002,1.9345649999999992,6.5773348745777227E-2,null,2.4248509999999999,10.291179,-7.8663279999999993,-0.76437578240549509,null,null,2.4248509999999999,10.291179,9.4440489999999997,9.1870829999999994,5.7323810000000002,null,null,29.412597000000002,25.639109000000001]
[]
["Return on equity before tax",0.25757012190860934,0.25516193026744599,0.24081916411633486,9.4378955302587553E-3,null,7.8114417120021845E-2,0.31967846547692941,-24.156404835690758,-0.75564692165459857,null,null,7.8114417120021845E-2,0.31967846547692941,0.28580311837774297,0.28563059145702158,0.18027740896199351,null,null,0.25516193026744599,0.23231082079195417]
["Return on equity after tax",0.22671218991527889,0.2255092537135831,0.12029362016957867,5.334309709630114E-3,null,6.6015979993288149E-2,0.28002434953173638,-21.400836953844824,-0.76424914439161562,null,null,6.6015979993288149E-2,0.28002434953173638,0.25295128134114886,0.25413882390410197,0.16667327291920839,null,null,0.2255092537135831,0.2063596247347205]
["Net interest margin (avg. interest bearing assets)",5.1974097725870937E-2,4.6260329154094164E-2,0.57137685717767728,0.12351335747620995,null,5.3735897835313372E-2,5.2742102484883563E-2,9.9379535042980888E-2,1.8842543311856863E-2,null,null,5.3735897835313372E-2,5.2742102484883563E-2,5.1908722782188811E-2,4.9484407398800494E-2,5.22607177254883E-2,null,null,4.6260329154094164E-2,4.3583173809328406E-2]
["Cost/income ratio",0.44730304050412084,0.47481265031579889,-2.7509609811678049,-5.7937819881970998E-2,null,0.57081649530256362,0.35879328647899356,21.202320882357007,0.59093415850740416,null,null,0.57081649530256362,0.35879328647899356,0.40875322540777637,0.45114135952236067,0.6097930573027267,null,null,0.47481265031579889,0.48283557001738125]
["Loan/deposit ratio",0.81330904515470692,0.82058132646891246,-0.7272281314205542,-8.8623529193617712E-3,null,0.81330904515470692,0.83856168385550023,-2.5252638700793306,-3.011422914613493E-2,null,null,0.81330904515470692,0.83856168385550023,0.84835995128115493,0.83458770329675624,0.82058132646891246,null,null,0.82058132646891246,0.81062704804116237]
["Provisioning ratio (avg. loans and advances to customers)",1.3287078554741E-2,6.1319511053257742E-3,0.71551274494152262,1.1668598340911092,null,2.7725820215756692E-2,1.4481210385621619E-2,1.3244609830135072,0.91460654720448198,null,null,2.7725820215756692E-2,1.4481210385621619E-2,7.5829706123982073E-3,2.4416664460280685E-3,7.0812860619017485E-3,null,null,6.1319511053257742E-3,3.8865873290996268E-3]
["NPE ratio",2.4510558578543624E-2,2.0531931922329244E-2,0.39786266562143802,0.1937775106241939,null,2.4510558578543624E-2,2.4021315786419119E-2,4.8924279212450572E-2,2.0367027205108634E-2,null,null,2.4510558578543624E-2,2.4021315786419119E-2,2.4047493689025382E-2,2.019687861831999E-2,2.0531931922329244E-2,null,null,2.0531931922329244E-2,2.1622160987045572E-2]
["NPE coverage ratio",0.72102637288547688,0.76403598793715755,-4.3009615051680665,-5.6292656014546583E-2,null,0.72102637288547688,0.68846507493783859,3.256129794763829,4.7295497089054672E-2,null,null,0.72102637288547688,0.68846507493783859,0.71587252660127465,0.726798185618861,0.76403598793715755,null,null,0.76403598793715755,0.76463191820122356]
[]
["Assets",1488.6976810000001,1360.543786,128.15389500000015,9.4193142711542333E-2,null,1488.6976810000001,1440.1912359999999,48.506445000000213,3.3680558378290426E-2,null,null,1488.6976810000001,1440.1912359999999,1391.5217990000001,1365.943254,1360.543786,null,null,1360.543786,1247.5727509999999]
["Total risk-weighted assets (RWA) ",858.59059254777389,807.3565879769402,51.23400457083369,6.3458953991091915E-2,null,858.59059254777389,893.17132698903288,-34.580734441258983,-3.8716798665978214E-2,null,null,858.59059254777389,893.17132698903288,758.03383954768049,828.75233859613911,807.3565879769402,null,null,807.3565879769402,808.43716932046482]
["Equity",153.78867,144.48485500000001,9.303814999999986,6.4393011987311732E-2,null,153.78867,150.35269500000001,3.4359749999999849,2.285276629062083E-2,null,null,153.78867,150.35269500000001,163.39065099999999,153.92405199999999,144.48485500000001,null,null,144.48485500000001,139.21451099999999]
["Loans to customers",989.676334,926.58351100000004,63.092822999999953,6.8091890532250066E-2,null,989.676334,986.295795,3.3805389999999989,3.4275103038434729E-3,null,null,989.676334,986.295795,968.41539599999999,944.04038700000001,926.58351100000004,null,null,926.58351100000004,830.71139600000004]
["  Hereof non-financial corporations %",0.39650895703847361,0.42884525170446297,-3.233629466598936,-7.5403177573885816E-2,null,0.39650895703847361,0.41481743111355357,-1.8308474075079961,-4.4136221628710004E-2,null,null,0.39650895703847361,0.41481743111355357,0.41950514694212893,0.42406534774661075,0.42884525170446297,null,null,0.42884525170446297,0.43525427331443522]
["  Hereof households %",0.60349104296152645,0.57115474829553703,3.2336294665989418,5.6615645343908394E-2,null,0.60349104296152645,0.58518256888644649,1.8308474075079961,3.1286772792838757E-2,null,null,0.60349104296152645,0.58518256888644649,0.58049485305787107,0.57593465225338925,0.57115474829553703,null,null,0.57115474829553703,0.5647452776728249]
["  Hereof FCY %",1.1771457008537298E-2,1.2131568264419921E-2,-3.6011125588262215E-2,-2.9683817296628834E-2,null,1.1771457008537298E-2,1.1254562409926023E-2,5.1689459861127551E-2,4.592756073353832E-2,null,null,1.1771457008537298E-2,1.1254562409926023E-2,1.1162640297085647E-2,1.1465886718476904E-2,1.2131568264419921E-2,null,null,1.2131568264419921E-2,0]
["Deposits from customers",1219.3199689999999,1129.7479320000002,89.572036999999682,7.9284975402813762E-2,null,1219.3199689999999,1176.625335,42.694633999999951,3.6285666073984313E-2,null,null,1219.3199689999999,1176.625335,1141.872417,1131.788517,1129.7479320000002,null,null,1129.7479320000002,1025.030951]
[]
["Business outlets",38,39,-1,-2.5641025641025661E-2,null,38,38,0,0,null,null,38,38,38,39,39,null,null,39,41]
["Number of employees",965,919,46,5.0054406964091358E-2,null,965,956,9,9.4142259414224938E-3,null,null,965,956,937,919,919,null,null,919,850]
["Number of customers in million",0.322718,0.30449900000000002,1.8218999999999985E-2,5.9832708810209523E-2,null,0.322718,0.31495000000000001,7.7679999999999971E-3,2.4664232417844101E-2,null,null,0.322718,0.31495000000000001,0.31154700000000002,0.30062,0.30449900000000002,null,null,0.30449900000000002,0.310751]

{"sheet":"SEE-RS","index":25,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Serbia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",270.25877754800001,146.62094038799998,123.63783716000003,0.84324815290926236,null,73.318553477000009,71.585705603000008,1.7328478740000008,2.420661861754958E-2,null,null,73.318553477000009,71.585705603000008,66.115051413999993,59.239467054000002,50.651920249,null,null,146.62094038799998,86.439240404000003]
["Dividend income",0.351754183,0.485205728,-0.133451545,-0.27504115738716095,null,5.8551000000000002E-5,0.35169563199999998,-0.35163708099999996,-0.99983351797784059,null,null,5.8551000000000002E-5,0.35169563199999998,0,0,0.485205728,null,null,0.485205728,0]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",107.943595531,90.645274715999989,17.298320815000011,0.19083532891479726,null,29.456756739999999,27.186064676000001,2.2706920639999986,8.3524117633861694E-2,null,null,29.456756739999999,27.186064676000001,26.197934577999998,25.102839536999998,26.556512274999996,null,null,90.645274715999989,56.264399349999991]
["Net trading income and fair value result",13.524336290999999,8.4182183189999993,5.1061179719999998,0.60655566041515496,null,3.0029426979999991,3.8670345530000008,-0.86409185500000163,-0.22345077168489458,null,null,3.0029426979999991,3.8670345530000008,3.633714018,3.0206450220000001,2.9571123229999969,null,null,8.4182183189999993,5.0863377290000003]
["Net gains/losses from hedge accounting",3.1951266999999998E-2,-8.5530380000000007E-3,4.0504304999999997E-2,"–",null,-4.6987999999999998E-5,-1.6913200000000001E-4,1.22144E-4,-0.72218149137951426,null,null,-4.6987999999999998E-5,-1.6913200000000001E-4,2.7915450000000001E-2,4.2519369999999999E-3,4.7713729999999998E-3,null,null,-8.5530380000000007E-3,-8.5649032E-2]
["Other net operating income ",3.2984553199999995,5.9207804809999987,-2.6223251609999991,-0.44290193994104943,null,0.13217834999999956,0.98947598400000003,-0.85729763400000047,-0.86641580782419525,null,null,0.13217834999999956,0.98947598400000003,0.67755018300000014,1.4992508030000005,0.59256570900000027,null,null,5.9207804809999987,7.2745246090000011]
["Operating income",395.40887014000009,252.08186659399999,143.3270035460001,0.5685732396485339,null,105.91044282800001,103.97980731600001,1.9306355120000092,1.8567408055803591E-2,null,null,105.91044282800001,103.97980731600001,96.652165642999989,88.866454352999995,81.248087656999985,null,null,252.08186659399999,154.97885306000001]
["Staff expenses",-59.930101047000001,-57.660198047999998,-2.2699029990000028,3.9366895637618082E-2,null,-17.063087063000001,-13.753805596999999,-3.3092814660000016,0.24060842234979885,null,null,-17.063087063000001,-13.753805596999999,-14.009776543999999,-15.103431843000001,-20.003915476,null,null,-57.660198047999998,-35.771361874999997]
["Other administrative expenses",-41.657092964,-39.575231516000002,-2.0818614479999979,5.2605161568247905E-2,null,-12.792367845000001,-9.8527202290000009,-2.9396476160000002,0.29835898591209253,null,null,-12.792367845000001,-9.8527202290000009,-9.954835611,-9.057169279,-14.051690567,null,null,-39.575231516000002,-24.247399385000001]
["Depreciation ",-20.752061050999998,-19.757048489999999,-0.99501256099999935,5.0362409218341675E-2,null,-4.9917267440000002,-5.0932207089999997,0.10149396499999952,-1.9927266222854678E-2,null,null,-4.9917267440000002,-5.0932207089999997,-5.3359361779999999,-5.3311774199999995,-5.3599383890000007,null,null,-19.757048489999999,-14.55729859]
["General administrative expenses",-122.33925506200001,-116.992478054,-5.3467770080000037,4.5701886966887706E-2,null,-34.847181652000003,-28.699746535000003,-6.1474351170000006,0.21419823723889198,null,null,-34.847181652000003,-28.699746535000003,-29.300548332999998,-29.491778542000002,-39.415544431999997,null,null,-116.992478054,-74.576059849999993]
["Operating result",273.06961507800008,135.08938853999999,137.9802265380001,1.02139944542827,null,71.063261176000012,75.280060781000003,-4.2167996049999914,-5.6014827316189897E-2,null,null,71.063261176000012,75.280060781000003,67.351617309999995,59.374675810999989,41.832543224999988,null,null,135.08938853999999,80.402793210000013]
["Other result",-12.799139815,0.549454259,-13.348594074000001,"–",null,-13.304175519000001,0.15688284399999999,-13.461058363000001,"–",null,null,-13.304175519000001,0.15688284399999999,0.12407565200000001,0.224077208,0.29964551599999995,null,null,0.549454259,0.20845526499999995]
["Net modification gains/losses",-12.405997136,-1.5725789999999999E-3,-12.404424557,">500,0%",null,-12.407590753000001,6.4663819999999997E-3,-12.414057135,"–",null,null,-12.407590753000001,6.4663819999999997E-3,-2.5582220000000002E-3,-2.3145430000000001E-3,-1.5725789999999999E-3,null,null,-1.5725789999999999E-3,-8.9798752999999995E-2]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-1.129336946,0,-1.129336946,"–",null,-1.129336946,0,-1.129336946,"–",null,null,-1.129336946,0,0,0,0,null,null,0,0]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0.73619426700000001,0.55102683799999996,0.18516742900000005,0.33604067212421351,null,0.23275218,0.150416462,8.2335718000000002E-2,0.54738501959978292,null,null,0.23275218,0.150416462,0.12663387400000001,0.226391751,0.30121809499999996,null,null,0.55102683799999996,0.29825401799999995]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-12.259746917999999,-10.384534431000001,-1.8752124869999989,0.1805774249640022,null,-3.1225528429999998,-3.0786963149999997,-4.3856528000000061E-2,1.4245162079261409E-2,null,null,-3.1225528429999998,-3.0786963149999997,-3.0538315620000001,-3.0046661979999998,-2.9220322190000001,null,null,-10.384534431000001,-7.567859855]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",-12.259746917999999,-10.384534431000001,-1.8752124869999989,0.1805774249640022,null,-3.1225528429999998,-3.0786963149999997,-4.3856528000000061E-2,1.4245162079261409E-2,null,null,-3.1225528429999998,-3.0786963149999997,-3.0538315620000001,-3.0046661979999998,-2.9220322190000001,null,null,-10.384534431000001,-7.567859855]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-7.567859855]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-7.567859855]
["Impairment losses on financial assets ",-12.215236696,-18.511789186000001,6.2965524900000016,-0.34013743494669468,null,-4.8576502620000008,1.9096162780000001,-6.7672665400000014,"–",null,null,-4.8576502620000008,1.9096162780000001,-6.137391117,-3.1298115949999996,-12.569084098999999,null,null,-18.511789186000001,-5.395502756]
["Profit/loss before tax",235.79549164899998,106.742519182,129.05297246699999,1.209011867585398,null,49.778882551999999,74.267863587999997,-24.488981035999998,-0.32973859557684737,null,null,49.778882551999999,74.267863587999997,58.284470282999997,53.464275226000005,26.641072423000001,null,null,106.742519182,67.647885863999988]
["Income taxes",-33.740945457000002,-14.70793774,-19.033007717000004,1.294063658240642,null,-6.4078536509999999,-10.795130907999999,4.3872772569999992,-0.4064126034589074,null,null,-6.4078536509999999,-10.795130907999999,-9.0191960510000015,-7.5187648469999999,-4.2919006699999995,null,null,-14.70793774,-8.1818832379999993]
["Profit/loss after tax",202.054546192,92.034581442000004,110.01996475,1.1954198413922743,null,43.371028901000003,63.47273268,-20.101703778999997,-0.31669825656228545,null,null,43.371028901000003,63.47273268,49.265274232000003,45.945510378999998,22.349171753,null,null,92.034581442000004,59.466002626000005]
[]
["Return on equity before tax",0.39840566959078949,0.2076514613112305,19.075420827955899,0.91862685229869068,null,0.27749459132461646,0.46555707328868856,-18.806248196407211,-0.40395150832013227,null,null,0.27749459132461646,0.46555707328868856,0.39336880890850101,0.36052469787834629,0.18593173029858642,null,null,0.2076514613112305,0.13355800871274134]
["Return on equity after tax",0.34139616583219889,0.17903938818432408,16.235677764787482,0.90682156197230612,null,0.24177372659257448,0.39788649131022985,-15.611276471765537,-0.39235502618744378,null,null,0.24177372659257448,0.39788649131022985,0.3324971840885883,0.30982354438052839,0.15597796172754999,null,null,0.17903938818432408,0.1174044213710124]
["Net interest margin (avg. interest bearing assets)",5.1230127935629137E-2,3.2030143038157655E-2,1.9199984897471483,0.59943487840808118,null,5.4823813600061708E-2,5.412471103753054E-2,6.9910256253116754E-2,1.2916513531987306E-2,null,null,5.4823813600061708E-2,5.412471103753054E-2,5.0442831655579966E-2,4.5432474806187326E-2,3.8802832967528851E-2,null,null,3.2030143038157655E-2,2.6249794576961548E-2]
["Cost/income ratio",0.30939936936337342,0.46410509266192734,-15.470572329855392,-0.33334200754234722,null,0.32902498300939315,0.27601269203913781,5.3012290970255336,0.19206468578893587,null,null,0.32902498300939315,0.27601269203913781,0.30315459708607245,0.33186626783658107,0.48512581118706644,null,null,0.46410509266192734,0.48120152122385296]
["Loan/deposit ratio",0.66052253436935826,0.71914150702545443,-5.8618972656096169,-8.1512431257873885E-2,null,0.66052253436935826,0.68335890372804164,-2.2836369358683384,-3.3417826612195056E-2,null,null,0.66052253436935826,0.68335890372804164,0.71055566820088334,0.71560099404885402,0.71914150702545443,null,null,0.71914150702545443,0.63637179673379363]
["Provisioning ratio (avg. loans and advances to customers)",3.8800389004113858E-3,6.3994769307335548E-3,-0.25194380303221692,-0.39369436871043972,null,6.0967693922306552E-3,-2.4289847744036097E-3,0.85257541666342651,"–",null,null,6.0967693922306552E-3,-2.4289847744036097E-3,8.0729950073840945E-3,3.7824686775122249E-3,1.5384288365207673E-2,null,null,6.3994769307335548E-3,3.0004470841612373E-3]
["NPE ratio",1.5355698502284075E-2,1.5613840359794981E-2,-2.5814185751090596E-2,-1.6532886949171766E-2,null,1.5355698502284075E-2,1.4937629399317243E-2,4.1806910296683132E-2,2.7987647289331008E-2,null,null,1.5355698502284075E-2,1.4937629399317243E-2,1.537306843600871E-2,1.5044347190288099E-2,1.5613840359794981E-2,null,null,1.5613840359794981E-2,1.4996125103363329E-2]
["NPE coverage ratio",0.62902700493982378,0.61345830473855312,1.5568700201270658,2.5378579246564836E-2,null,0.62902700493982378,0.61000328614598232,1.902371879384146,3.1186256247952127E-2,null,null,0.62902700493982378,0.61000328614598232,0.62485041286579535,0.61602965581773927,0.61345830473855312,null,null,0.61345830473855312,0.65584264095659917]
[]
["Assets",5695.0875206580004,5584.0629221689996,111.02459848900071,1.9882404628398298E-2,null,5695.0875206580004,5718.2496211590005,-23.162100501000168,-4.0505577817544491E-3,null,null,5695.0875206580004,5718.2496211590005,5572.9481019090008,5610.2556029110001,5584.0629221689996,null,null,5584.0629221689996,3770.1419226909998]
["Total risk-weighted assets (RWA) ",3060.3794261598914,3706.157080594312,-645.77765443442058,-0.17424454506144815,null,3060.3794261598914,3806.9686634974641,-746.58923733757274,-0.19611121165669931,null,null,3060.3794261598914,3806.9686634974641,3753.581395957418,3662.6889109806966,3706.157080594312,null,null,3706.157080594312,2689.7332583619605]
["Equity",771.92345763100002,600.16643649800005,171.75702113299997,0.28618231658406357,null,771.92345763100002,726.64413046599998,45.279327165000041,6.231293320426623E-2,null,null,771.92345763100002,726.64413046599998,662.29166785099994,618.25906162699994,600.16643649800005,null,null,600.16643649800005,527.56842774200004]
["Loans to customers",3030.8886189330001,3272.0619172890001,-241.17329835600003,-7.3706825986905256E-2,null,3030.8886189330001,3152.971663538,-122.08304460499994,-3.8719994225386967E-2,null,null,3030.8886189330001,3152.971663538,3182.7988963159996,3233.783907045,3272.0619172890001,null,null,3272.0619172890001,1962.6713089059999]
["  Hereof non-financial corporations %",0.56803301181621491,0.57639060816416177,-0.83575963479468607,-1.4499882943211584E-2,null,0.56803301181621491,0.57314052364436063,-0.51075118281457277,-8.9114477470013664E-3,null,null,0.56803301181621491,0.57314052364436063,0.57063027422065593,0.57340994876291107,0.57639060816416177,null,null,0.57639060816416177,0.67090478243245422]
["  Hereof households %",0.4308324993822103,0.42288205695063169,0.79504424315786082,1.8800614263250193E-2,null,0.4308324993822103,0.4257798571321732,0.50526422500370982,1.1866794930293301E-2,null,null,0.4308324993822103,0.4257798571321732,0.42856628178231382,0.42585613392961835,0.42288205695063169,null,null,0.42288205695063169,0.32805839489440336]
["  Hereof FCY %",0.76784579742775405,0.50665300385928347,26.119279356847059,0.51552599427795687,null,0.76784579742775405,0.74559503787795556,2.2250759549798493,2.9842955517953351E-2,null,null,0.76784579742775405,0.74559503787795556,0.73939039816014829,0.52904184430230972,0.50665300385928347,null,null,0.50665300385928347,0.68882759506030633]
["Deposits from customers",4633.7634798159997,4730.5025327079993,-96.739052891999563,-2.045005836549485E-2,null,4633.7634798159997,4669.7868955550002,-36.023415739000484,-7.7141455369815759E-3,null,null,4633.7634798159997,4669.7868955550002,4541.2026661080008,4706.9780786020001,4730.5025327079993,null,null,4730.5025327079993,3128.7776150519999]
[]
["Business outlets",108,154,-46,-0.29870129870129869,null,108,126,-18,-0.1428571428571429,null,null,108,126,138,154,154,null,null,154,83]
["Number of employees",2113,2349,-236,-0.10046828437633037,null,2113,2204,-91,-4.1288566243194214E-2,null,null,2113,2204,2209,2366,2349,null,null,2349,1489]
["Number of customers in million",1.0188710000000001,0.93608800000000003,8.2783000000000051E-2,8.8435061660869563E-2,null,1.0188710000000001,1.01153,7.3410000000000419E-3,7.2573230650598841E-3,null,null,1.0188710000000001,1.01153,1.0161750000000001,0.94292200000000004,0.93608800000000003,null,null,0.93608800000000003,0.75745799999999996]

{"sheet":"SEE-RO","index":26,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Romania",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",579.04766947199994,489.10527111799996,89.942398353999977,0.18389169707455633,null,148.79194755699999,147.17534212800001,1.6166054289999749,1.0984213833822754E-2,null,null,148.79194755699999,147.17534212800001,142.78052834499999,140.299851442,140.67217586000004,null,null,489.10527111799996,369.75844992999998]
["Dividend income",3.4150632669999998,0.44172244799999999,2.9733408189999997,">500,0%",null,0.35768515000000001,2.4715360660000001,-2.1138509160000001,-0.85527819928645132,null,null,0.35768515000000001,2.4715360660000001,0.52138915200000002,6.4452898999999994E-2,1.5434200000000002E-4,null,null,0.44172244799999999,0.30093616100000004]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",184.366220849,179.65293945399998,4.7132813950000241,2.6235481642129521E-2,null,53.604507910999999,45.655344634999999,7.9491632760000002,0.17411243611347227,null,null,53.604507910999999,45.655344634999999,44.383957705999997,40.722410597000007,42.914438449000002,null,null,179.65293945399998,176.53967514400003]
["Net trading income and fair value result",9.2847056809999984,-7.6195534729999999,16.904259153999998,"–",null,1.7102697520000001,0.19381192300000016,1.5164578289999999,">500,0%",null,null,1.7102697520000001,0.19381192300000016,3.0849018250000002,4.2957221809999995,8.7704819940000007,null,null,-7.6195534729999999,7.1117649430000007]
["Net gains/losses from hedge accounting",0.37916728100000002,0.38893070899999999,-9.7634279999999629E-3,-2.5103258174452803E-2,null,0.17728913399999999,6.9660549000000002E-2,0.10762858499999998,1.5450435941870051,null,null,0.17728913399999999,6.9660549000000002E-2,7.2851555999999998E-2,5.9366042000000001E-2,9.0556422999999997E-2,null,null,0.38893070899999999,0.374806584]
["Other net operating income ",1.0632038370000014,-1.2681420179999989,2.3313458550000004,"–",null,1.708146105,0.34647406999999997,1.361672035,3.9300835268855767,null,null,1.708146105,0.34647406999999997,-1.6375698849999998,0.64615354700000005,-9.8905600890000009,null,null,-1.2681420179999989,-3.9746073940000031]
["Operating income",777.55603038699996,660.70116823799981,116.85486214900016,0.17686492436608847,null,206.349845609,195.912169371,10.437676237999995,5.3277324586376906E-2,null,null,206.349845609,195.912169371,189.20605869899998,186.08795670800001,182.55724697900007,null,null,660.70116823799981,550.11102536800001]
["Staff expenses",-172.02073092699999,-156.56315538199999,-15.457575544999997,9.8730608151610832E-2,null,-48.901805885999998,-40.757184034999995,-8.1446218510000037,0.19983279129406628,null,null,-48.901805885999998,-40.757184034999995,-41.209614557999998,-41.152126447999997,-47.836551288999999,null,null,-156.56315538199999,-130.80083414499998]
["Other administrative expenses",-119.99929694699999,-106.72501679000001,-13.274280156999978,0.12437833749063198,null,-43.235534786999999,-23.167533780999999,-20.068001005999999,0.86621222594085667,null,null,-43.235534786999999,-23.167533780999999,-26.579448420999999,-27.016779958000001,-34.941947622000001,null,null,-106.72501679000001,-99.25860551800001]
["Depreciation ",-54.015987072999998,-47.157970978000002,-6.8580160949999964,0.1454264454719516,null,-15.030740474,-13.596009198000001,-1.4347312759999991,0.10552591242811538,null,null,-15.030740474,-13.596009198000001,-13.095721152000001,-12.293516249,-12.502091898,null,null,-47.157970978000002,-45.85251521]
["General administrative expenses",-346.03601494700001,-310.44614315000001,-35.589871797000001,0.11464104992859858,null,-107.168081147,-77.520727014000002,-29.647354132999993,0.38244422201620698,null,null,-107.168081147,-77.520727014000002,-80.884784130999989,-80.462422654999983,-95.280590809000003,null,null,-310.44614315000001,-275.91195487299996]
["Operating result",431.52001543999995,350.2550250879998,81.264990352000154,0.23201662940191281,null,99.181764462000004,118.391442357,-19.209677894999999,-0.16225562855358022,null,null,99.181764462000004,118.391442357,108.32127456799999,105.62553405300002,87.276656170000066,null,null,350.2550250879998,274.19907049500006]
["Other result",-4.9374430699999996,-4.9163696059999999,-2.1073463999999653E-2,4.2863872509262269E-3,null,-3.0326698519999997,-0.42042411899999993,-2.612245733,">500,0%",null,null,-3.0326698519999997,-0.42042411899999993,-0.70752840899999991,-0.77682068999999987,-2.1386363680000002,null,null,-4.9163696059999999,-27.945088998999999]
["Net modification gains/losses",-2.3954829589999997,-2.4594121600000003,6.3929201000000546E-2,-2.5993691516919437E-2,null,-0.59739123599999999,-0.56641607799999993,-3.0975158000000058E-2,5.4686226615198619E-2,null,null,-0.59739123599999999,-0.56641607799999993,-0.67795402099999991,-0.55372162399999991,-0.63481782900000006,null,null,-2.4594121600000003,-1.9024481689999999]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-6.0067616000000004E-2]
["Impairment on non-financial assets",-2.5419601109999999,-3.218718446,0.67675833500000016,-0.21025707788794901,null,-2.4352786159999997,0.145991959,-2.5812705749999996,"–",null,null,-2.4352786159999997,0.145991959,-2.9574388E-2,-0.22309906599999998,-2.265579539,null,null,-3.218718446,0.70483878599999994]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0.76176100000000002,-0.76176100000000002,"–",null,0,0,0,"–",null,null,0,0,0,0,0.76176100000000002,null,null,0.76176100000000002,-26.687411999999998]
["Governmental measures and compulsory contributions",-9.8166430699999996,-14.347629117,4.5309860470000007,-0.31580033258814832,null,1.1811018E-2,4.1157100000000016E-3,7.6953079999999979E-3,1.8697400934468158,null,null,1.1811018E-2,4.1157100000000016E-3,0.36102132700000122,-10.193591125000001,-5.0131889999999995E-3,null,null,-14.347629117,-9.8814464409999996]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-6.1823008329999993,-7.2728246260000002,1.0905237930000009,-0.14994501436229202,null,7.4383130000000002E-3,2.5919820000000001E-3,4.8463310000000006E-3,1.8697394503511213,null,null,7.4383130000000002E-3,2.5919820000000001E-3,0.75903015300000121,-6.9513612810000005,-2.54119E-3,null,null,-7.2728246260000002,-7.504405233]
["Deposit insurance fees",-3.6343422370000003,-7.0748044910000001,3.4404622539999998,-0.48629785577490947,null,4.3727050000000002E-3,1.523728000000002E-3,2.8489769999999982E-3,1.8697411874035224,null,null,4.3727050000000002E-3,1.523728000000002E-3,-0.39800882599999998,-3.2422298440000001,-2.4719989999999999E-3,null,null,-7.0748044910000001,-2.3770412080000001]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-2.3770412080000001]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-2.3770412080000001]
["Impairment losses on financial assets ",6.334933199,-29.876699860999999,36.211633059999997,"–",null,-1.5206543290000001,-9.8046073239999991,8.2839529949999999,-0.84490410694187634,null,null,-1.5206543290000001,-9.8046073239999991,10.125815359000001,7.5343794929999994,-10.487357336999999,null,null,-29.876699860999999,-22.125456791999998]
["Profit/loss before tax",423.10086249900002,301.11432650400002,121.986535995,0.40511701124051136,null,94.640251298999999,108.170526624,-13.530275325000005,-0.12508282752501654,null,null,94.640251298999999,108.170526624,118.10058284500001,102.18950173100001,74.645649275999986,null,null,301.11432650400002,214.24707826300002]
["Income taxes",-77.467348043000001,-46.706765603000001,-30.76058244,0.65858943651675661,null,-19.413448583000001,-16.940535524999998,-2.4729130580000032,0.14597608525129568,null,null,-19.413448583000001,-16.940535524999998,-24.250938037999997,-16.862425897000001,-10.215807696000001,null,null,-46.706765603000001,-40.992667156000003]
["Profit/loss after tax",345.63351445599994,254.40756090099998,91.225953554999961,0.35858192748642237,null,75.226802716000009,91.229991099000003,-16.003188382999994,-0.17541587136223458,null,null,75.226802716000009,91.229991099000003,93.84964480699999,85.327075834000013,64.429841580000001,null,null,254.40756090099998,173.25441110699998]
[]
["Return on equity before tax",0.31585845549262404,0.27153867529070003,4.4319780201924006,0.16321719237407617,null,0.24897409394674627,0.29880310598285498,-4.9829012036108704,-0.16676202836716114,null,null,0.24897409394674627,0.29880310598285498,0.34694738943423137,0.30904493842173664,0.2333374557064683,null,null,0.27153867529070003,0.19806402919291852]
["Return on equity after tax",0.25802657881090402,0.22941947954800468,2.8607099262899336,0.12469341888169305,null,0.19790231735072153,0.25200769146594165,-5.4105374115220126,-0.21469731261171587,null,null,0.19790231735072153,0.25200769146594165,0.2757047296527973,0.25804902118263151,0.20140350377636415,null,null,0.22941947954800468,0.16016772325443168]
["Net interest margin (avg. interest bearing assets)",4.4957014432801104E-2,4.2157075179515176E-2,0.2799939253285928,6.6416828998764776E-2,null,4.4395590415083244E-2,4.5407688680640483E-2,-0.10120982655572389,-2.2289138579051793E-2,null,null,4.4395590415083244E-2,4.5407688680640483E-2,4.4636353633503427E-2,4.5376628330631719E-2,4.6449064357029841E-2,null,null,4.2157075179515176E-2,3.5748653817752711E-2]
["Cost/income ratio",0.44503032762124334,0.4698737615038846,-2.4843433882641266,-5.287257114150623E-2,null,0.51935139971011368,0.39569122869135592,12.366017101875777,0.31251683649327044,null,null,0.51935139971011368,0.39569122869135592,0.42749574029062259,0.4323891995937042,0.52192171160403378,null,null,0.4698737615038846,0.50155685334324474]
["Loan/deposit ratio",0.73288041059711995,0.79165868422924268,-5.8778273632122735,-7.4246989015662956E-2,null,0.73288041059711995,0.78081601018279889,-4.7935599585678945,-6.1391670970548651E-2,null,null,0.73288041059711995,0.78081601018279889,0.79120790916584105,0.79803406980708491,0.79165868422924268,null,null,0.79165868422924268,0.64877898433714698]
["Provisioning ratio (avg. loans and advances to customers)",-7.804886905457513E-4,3.9908325110876181E-3,-0.47713212016333689,"–",null,6.1545966797611794E-4,4.6840145416862196E-3,-0.40685548737101018,-0.86860423628092409,null,null,6.1545966797611794E-4,4.6840145416862196E-3,-4.8256988365199208E-3,-3.6413344153490863E-3,5.1567456340423394E-3,null,null,3.9908325110876181E-3,3.4033909103339311E-3]
["NPE ratio",1.602244607783633E-2,1.7473342220643485E-2,-0.14508961428071551,-8.3034838125760846E-2,null,1.602244607783633E-2,1.7054820280461E-2,-0.10323742026246696,-6.0532693141740035E-2,null,null,1.602244607783633E-2,1.7054820280461E-2,1.6016029211876885E-2,1.650235239310564E-2,1.7473342220643485E-2,null,null,1.7473342220643485E-2,2.1476302670721158E-2]
["NPE coverage ratio",0.66297456185829873,0.7014805572815731,-3.8505995423274375,-5.4892462839591039E-2,null,0.66297456185829873,0.66211978599684673,8.5477586145199513E-2,1.2909686125224251E-3,null,null,0.66297456185829873,0.66211978599684673,0.65728725029534851,0.67194306602192544,0.7014805572815731,null,null,0.7014805572815731,0.71785012817345784]
[]
["Assets",14229.596187195,12647.997032834,1581.5991543609998,0.12504740080624566,null,14229.596187195,13694.401184879998,535.19500231500206,3.9081300094078619E-2,null,null,14229.596187195,13694.401184879998,13455.753237634,13218.739011315001,12647.997032834,null,null,12647.997032834,12092.445107695999]
["Total risk-weighted assets (RWA) ",6674.4759867537377,6183.9845357778222,490.49145097591554,7.931640969315934E-2,null,6674.4759867537377,6767.8836944271616,-93.407707673423829,-1.380161242285205E-2,null,null,6674.4759867537377,6767.8836944271616,6813.240359073453,6774.7688332175885,6183.9845357778222,null,null,6183.9845357778222,5142.8581784479848]
["Equity",1545.720977573,1314.4985014679999,231.22247610500017,0.17590166580393696,null,1545.720977573,1586.4760410190001,-40.755063446000122,-2.5689050696172444E-2,null,null,1545.720977573,1586.4760410190001,1494.705394584,1407.664212162,1314.4985014679999,null,null,1314.4985014679999,1093.7943876909999]
["Loans to customers",8432.9330038589997,8083.670825539999,349.26217831900067,4.3205888247641377E-2,null,8432.9330038589997,8428.5108436730006,4.4221601859990187,5.2466684424068433E-4,null,null,8432.9330038589997,8428.5108436730006,8387.1027482619993,8438.1450806209996,8083.670825539999,null,null,8083.670825539999,6705.9068589599992]
["  Hereof non-financial corporations %",0.51068734553248052,0.50364772144096193,0.70396240915185926,1.3977277751555883E-2,null,0.51068734553248052,0.52361216656438125,-1.2924821031900735,-2.4683958580843157E-2,null,null,0.51068734553248052,0.52361216656438125,0.52324726592355186,0.52735232250978481,0.50364772144096193,null,null,0.50364772144096193,0.44339087289338325]
["  Hereof households %",0.42824420467000102,0.45772618056226055,-2.9481975892259538,-6.4409634284070316E-2,null,0.42824420467000102,0.43372709403051796,-0.54828893605169404,-1.2641334691743222E-2,null,null,0.42824420467000102,0.43372709403051796,0.43854488614774528,0.43719031831738842,0.45772618056226055,null,null,0.45772618056226055,0.51551183493519803]
["  Hereof FCY %",0.32984389930289154,0.33507004814426133,-0.52261488413697932,-1.5597182948204669E-2,null,0.32984389930289154,0.33588302394739816,-0.60391246445066216,-1.7979844808865386E-2,null,null,0.32984389930289154,0.33588302394739816,0.33452463391861664,0.33819128311158358,0.33507004814426133,null,null,0.33507004814426133,0.28110751801896428]
["Deposits from customers",10994.906261153999,10009.903099304,985.00316184999974,9.8402866848779746E-2,null,10994.906261153999,10695.147872926002,299.75838822799778,2.8027512269074295E-2,null,null,10994.906261153999,10695.147872926002,10694.518252237998,10459.84588705,10009.903099304,null,null,10009.903099304,10101.120553646]
[]
["Business outlets",288,297,-9,-3.0303030303030276E-2,null,288,293,-5,-1.7064846416382284E-2,null,null,288,293,295,295,297,null,null,297,304]
["Number of employees",5037,5084,-47,-9.2446892210857889E-3,null,5037,5079,-42,-8.269344359125852E-3,null,null,5037,5079,5074,5059,5084,null,null,5084,4799]
["Number of customers in million",2.2870650000000001,2.312046,-2.498099999999992E-2,-1.080471582312803E-2,null,2.2870650000000001,2.2500469999999999,3.7018000000000217E-2,1.6452100778339362E-2,null,null,2.2870650000000001,2.2500469999999999,2.2477550000000002,2.2968410000000001,2.312046,null,null,2.312046,2.2692299999999999]

{"sheet":"EE-BY","index":27,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Belarus",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",86.309817570000007,122.78432852500001,-36.474510955,-0.29706161521723395,null,20.764647486000001,18.768262675999999,1.9963848100000021,0.10637025091048447,null,null,20.764647486000001,18.768262675999999,20.199098377000002,26.577809031000001,31.740839770000004,null,null,122.78432852500001,82.437913132000006]
["Dividend income",0.17954330199999999,0.12920921000000002,5.0334091999999969E-2,0.38955498605710814,null,-3.4458960000000004E-3,0.14395022899999999,-0.14739612499999999,"–",null,null,-3.4458960000000004E-3,0.14395022899999999,3.9038969E-2,0,1.787044E-3,null,null,0.12920921000000002,7.3604384999999994E-2]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",128.26081475999999,112.27098177699999,15.989832982999999,0.14242177925156163,null,30.420048806,29.853545338,0.56650346800000051,1.8976086812674486E-2,null,null,30.420048806,29.853545338,38.477012508000001,29.510208107999997,26.171502747999998,null,null,112.27098177699999,62.229651414999999]
["Net trading income and fair value result",24.779799935999996,36.76046092,-11.980660984000004,-0.32591160948914466,null,4.2383128819999998,5.7421137150000021,-1.5038008330000023,-0.26188976875739245,null,null,4.2383128819999998,5.7421137150000021,6.8133180800000002,7.9860552590000005,7.087529125999998,null,null,36.76046092,8.2088056989999991]
["Net gains/losses from hedge accounting",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Other net operating income ",-10.216839102999998,-15.105047126999999,4.8882080240000008,-0.32361421867148077,null,0.85527914100000024,0.846747366,8.5317750000002412E-3,1.0075939226482644E-2,null,null,0.85527914100000024,0.846747366,2.6986885160000003,-14.617554126,-2.8405597569999999,null,null,-15.105047126999999,1.9696132519999998]
["Operating income",229.31313646499996,256.83993330500005,-27.526796840000088,-0.10717491040348359,null,56.274842419000002,55.354619324000005,0.92022309499999722,1.6624142776843431E-2,null,null,56.274842419000002,55.354619324000005,68.22715645000001,49.456518271999997,62.161098930999991,null,null,256.83993330500005,154.91958788299999]
["Staff expenses",-39.705330539999999,-39.965110152999998,0.25977961299999919,-6.5001600647534019E-3,null,-10.984436291,-8.6880408100000004,-2.2963954809999994,0.26431683865444455,null,null,-10.984436291,-8.6880408100000004,-9.8039489969999991,-10.228904441999999,-12.384010822,null,null,-39.965110152999998,-31.790970386000001]
["Other administrative expenses",-24.171758036,-23.977984984999999,-0.19377305100000086,8.0812900300513135E-3,null,-7.0063594859999991,-5.5368814740000003,-1.4694780119999988,0.26539813411219848,null,null,-7.0063594859999991,-5.5368814740000003,-5.7268112359999996,-5.90170584,-7.1236072690000007,null,null,-23.977984984999999,-19.872410539000001]
["Depreciation ",-10.105847061,-11.896160911000001,1.7903138500000004,-0.15049509361835833,null,-2.5615303209999998,-2.4854412180000001,-7.6089102999999714E-2,3.0613921765258123E-2,null,null,-2.5615303209999998,-2.4854412180000001,-2.4777637650000002,-2.5811117570000004,-3.066448195,null,null,-11.896160911000001,-10.920353749]
["General administrative expenses",-73.982935636999997,-75.839256048999999,1.8563204120000023,-2.4477038788468963E-2,null,-20.552326097999998,-16.710363502,-3.8419625959999983,0.22991496238487974,null,null,-20.552326097999998,-16.710363502,-18.008523997999998,-18.711722039000001,-22.574066286000001,null,null,-75.839256048999999,-62.583734673999999]
["Operating result",155.33020082799996,181.00067725600005,-25.670476428000086,-0.14182530594453413,null,35.722516321000001,38.644255822000005,-2.9217395010000011,-7.5606049045371271E-2,null,null,35.722516321000001,38.644255822000005,50.218632452000008,30.744796232999995,39.587032644999994,null,null,181.00067725600005,92.335853208999993]
["Other result",-0.848978554,-2.090582484,1.2416039300000001,-0.59390334488232521,null,-4.3496493000000004E-2,-0.563401496,0.51990500299999998,-0.92279663204870155,null,null,-4.3496493000000004E-2,-0.563401496,-0.15429405199999999,-8.778651300000001E-2,-1.2163912450000001,null,null,-2.090582484,-1.693883E-3]
["Net modification gains/losses",-0.38245264500000004,-0.40046807099999998,1.8015425999999946E-2,-4.4985923484521573E-2,null,-5.2450319000000002E-2,-8.7921761000000001E-2,3.5471441999999999E-2,-0.40344326133322095,null,null,-5.2450319000000002E-2,-8.7921761000000001E-2,-0.15429405199999999,-8.778651300000001E-2,-0.21259688599999998,null,null,-0.40046807099999998,-1.693883E-3]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",0,-1.6901144129999999,1.6901144129999999,"–",null,0,0,0,"–",null,null,0,0,0,0,-1.003794359,null,null,-1.6901144129999999,0]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",-0.46652590899999996,0,-0.46652590899999996,"–",null,8.9538259999999998E-3,-0.47547973499999996,0.48443356099999996,"–",null,null,8.9538259999999998E-3,-0.47547973499999996,0,0,0,null,null,0,0]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-1.7748887249999998,-2.7834691730000003,1.0085804480000005,-0.36234654861040216,null,-0.42287106899999999,-0.47490491199999996,5.2033842999999969E-2,-0.10956686630354329,null,null,-0.42287106899999999,-0.47490491199999996,-0.43729845800000006,-0.439814286,-0.48046676500000002,null,null,-2.7834691730000003,-3.3624500679999998]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",-1.3622680039999999,-2.3373798650000004,0.97511186100000047,-0.41718159534158572,null,-0.31019124599999998,-0.32866105099999998,1.8469805000000006E-2,-5.619712145325062E-2,null,null,-0.31019124599999998,-0.32866105099999998,-0.36070111200000005,-0.36271459499999997,-0.36785096700000003,null,null,-2.3373798650000004,-3.3624500679999998]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Insurance industry funds",-0.41262072100000002,-0.44608930800000002,3.3468586999999994E-2,-7.5026651389725751E-2,null,-0.112679823,-0.146243861,3.3564038000000004E-2,-0.22950732954185338,null,null,-0.112679823,-0.146243861,-7.6597346000000011E-2,-7.7099691000000012E-2,-0.11261579799999999,null,null,-0.44608930800000002,0]
["Impairment losses on financial assets ",-1.7021267930000001,-19.675242484999998,17.973115691999997,-0.91348890392087079,null,1.639205588,2.8753048550000004,-1.2360992670000004,-0.42990198581916983,null,null,1.639205588,2.8753048550000004,-8.0666668130000012,1.8500295769999999,3.5324349709999998,null,null,-19.675242484999998,-24.806124049000005]
["Profit/loss before tax",151.004206756,156.45138311399998,-5.4471763579999788,-3.4817054663114355E-2,null,36.895354347000001,40.481254269000004,-3.585899922000003,-8.8581739542246241E-2,null,null,36.895354347000001,40.481254269000004,41.560373128999998,32.067225010999998,41.422609606000002,null,null,156.45138311399998,64.165585209]
["Income taxes",-38.847707413000002,-43.438694906999999,4.5909874939999966,-0.10568889106427026,null,-10.253031344,-10.721835478000001,0.46880413400000087,-4.3724242454748929E-2,null,null,-10.253031344,-10.721835478000001,-9.9066597810000001,-7.96618081,-11.045928462999999,null,null,-43.438694906999999,-15.619214486999999]
["Profit/loss after tax",112.15649934299999,113.012688207,-0.85618886400000349,-7.5760419257682177E-3,null,26.642323002999998,29.759418791000002,-3.1170957880000039,-0.10474316752928969,null,null,26.642323002999998,29.759418791000002,31.653713348,24.101044201000001,30.376681142999999,null,null,113.012688207,48.546370722000006]
[]
["Return on equity before tax",0.34054646902142555,0.37006113368981108,-2.9514664668385535,-7.9756186157947107E-2,null,0.30727577031592485,0.357900098012641,-5.0624327696716156,-0.14144820853032603,null,null,0.30727577031592485,0.357900098012641,0.36852453371086435,0.26889555894647332,0.32435490328159611,null,null,0.37006113368981108,0.18659835717812692]
["Return on equity after tax",0.25293666083607214,0.26731373470020264,-1.4377073864130507,-5.3783521001098844E-2,null,0.2218853963769605,0.26310693911118371,-4.1221542734223213,-0.15667219904376528,null,null,0.2218853963769605,0.26310693911118371,0.28068010639801833,0.20209618229823431,0.23786105143714759,null,null,0.26731373470020264,0.14117650441712062]
["Net interest margin (avg. interest bearing assets)",4.0610183346300024E-2,5.3483960027594778E-2,-1.2873776681294753,-0.24070350577355515,null,4.1875989260154435E-2,3.6791788678048956E-2,0.50842005821054792,0.13818845902262034,null,null,4.1875989260154435E-2,3.6791788678048956E-2,3.714936815508927E-2,4.5922320563766029E-2,5.0034963417083175E-2,null,null,5.3483960027594778E-2,4.7565167181870337E-2]
["Cost/income ratio",0.32262842320109286,0.29527828898374658,2.735013421734628,9.2624941411969974E-2,null,0.3652133922468514,0.30187839255458337,6.3334999692268026,0.20980302417907004,null,null,0.3652133922468514,0.30187839255458337,0.26394950244185361,0.37834693368606409,0.36315423430749899,null,null,0.29527828898374658,0.40397560779250935]
["Loan/deposit ratio",0.39267951586553629,0.37097351625368075,2.1705999611855544,5.8510914285893278E-2,null,0.39267951586553629,0.4065944441460066,-1.3914928280470307,-3.4223114655923648E-2,null,null,0.39267951586553629,0.4065944441460066,0.41183704941622207,0.37652175913347108,0.37097351625368075,null,null,0.37097351625368075,0.73280943684773436]
["Provisioning ratio (avg. loans and advances to customers)",9.6999944024197364E-3,-1.690794546463512E-3,1.1390788948883248,"–",null,2.677209813421965E-2,-4.1477157435594124E-2,6.8249255569813778,"–",null,null,2.677209813421965E-2,-4.1477157435594124E-2,8.5597189812848917E-2,-2.7505911471658068E-2,5.09857974810548E-2,null,null,-1.690794546463512E-3,2.1087908220428359E-2]
["NPE ratio",1.411161348888545E-2,1.4112381244190052E-2,-7.6775530460232444E-5,-5.4402959452248822E-5,null,1.411161348888545E-2,1.3173624287355827E-2,9.3798920152962303E-2,7.1202061108567749E-2,null,null,1.411161348888545E-2,1.3173624287355827E-2,1.4509551665243882E-2,1.4577005375274649E-2,1.4112381244190052E-2,null,null,1.4112381244190052E-2,1.86416804732852E-2]
["NPE coverage ratio",0.71772812608233372,0.76421517742199652,-4.6487051339662795,-6.0829793378982866E-2,null,0.71772812608233372,0.72585080142916936,-0.81226753468356394,-1.1190557798989031E-2,null,null,0.71772812608233372,0.72585080142916936,0.75361843660144101,0.73478104048952397,0.76421517742199652,null,null,0.76421517742199652,0.74016587620040231]
[]
["Assets",2445.9839201979999,2691.7889771230002,-245.80505692500037,-9.1316614717591338E-2,null,2445.9839201979999,2465.1887805279998,-19.204860329999974,-7.7904217647326579E-3,null,null,2445.9839201979999,2465.1887805279998,2416.7801032900002,2616.7290697140002,2691.7889771230002,null,null,2691.7889771230002,2066.0987297449997]
["Total risk-weighted assets (RWA) ",1628.5658474219601,2173.104923626151,-544.53907620419091,-0.25058112486144746,null,1628.5658474219601,1728.0609563579244,-99.495108935964254,-5.7576157004126105E-2,null,null,1628.5658474219601,1728.0609563579244,1938.3200193330902,1981.8596611034707,2173.104923626151,null,null,2173.104923626151,1666.0173828563588]
["Equity",503.19082826499999,487.64227092900001,15.548557335999988,3.1885171288327019E-2,null,503.19082826499999,487.148184786,16.042643478999992,3.2931752555020566E-2,null,null,503.19082826499999,487.148184786,479.12648818600002,478.82867833999995,487.64227092900001,null,null,487.64227092900001,383.33159561900004]
["Loans to customers",690.88484574199992,725.83758060000014,-34.952734858000213,-4.8155036046917288E-2,null,690.88484574199992,710.693286382,-19.808440640000072,-2.7871996288076573E-2,null,null,690.88484574199992,710.693286382,711.09245029900001,718.84307412199996,725.83758060000014,null,null,725.83758060000014,1047.6435270229999]
["  Hereof non-financial corporations %",0.67385168980512522,0.6419523307732683,3.1899359031856922,4.9691164752735384E-2,null,0.67385168980512522,0.68219660422316264,-0.83449144180374191,-1.223241858194235E-2,null,null,0.67385168980512522,0.68219660422316264,0.6925087734835883,0.67552636238460273,0.6419523307732683,null,null,0.6419523307732683,0.68981732024592968]
["  Hereof households %",0.31290556921367135,0.35795624864205322,-4.5050679428381866,-0.12585526750625708,null,0.31290556921367135,0.3043846308261382,0.85209383875331501,2.7993983679156953E-2,null,null,0.31290556921367135,0.3043846308261382,0.3074092367357924,0.32438686338574196,0.35795624864205322,null,null,0.35795624864205322,0.31018267975407038]
["  Hereof FCY %",0.2286085378606473,0.30378264127000659,-7.5174103409359292,-0.24746016788544345,null,0.2286085378606473,0.24273934943457381,-1.4130811573926509,-5.8213930320082818E-2,null,null,0.2286085378606473,0.24273934943457381,0.24462073663406719,0.24541609354063304,0.30378264127000659,null,null,0.30378264127000659,0.47410434529507495]
["Deposits from customers",1753.8484102020002,1977.6705868439999,-223.8221766419997,-0.11317465008122451,null,1753.8484102020002,1747.930510593,5.9178996090001874,3.3856606845270587E-3,null,null,1753.8484102020002,1747.930510593,1746.0799891240001,1927.1727505629997,1977.6705868439999,null,null,1977.6705868439999,1454.0173183940001]
[]
["Business outlets",45,56,-11,-0.1964285714285714,null,45,47,-2,-4.2553191489361653E-2,null,null,45,47,50,55,56,null,null,56,65]
["Number of employees",1610,1613,-3,-1.8598884066955979E-3,null,1610,1563,47,3.00703774792066E-2,null,null,1610,1563,1578,1594,1613,null,null,1613,1600]
["Number of customers in million",1.0074069999999999,1.000589,6.8179999999999907E-3,6.8139865619150086E-3,null,1.0074069999999999,1.0047200000000001,2.6869999999998839E-3,2.6743769408390516E-3,null,null,1.0074069999999999,1.0047200000000001,0.99696399999999996,1.0070680000000001,1.000589,null,null,1.000589,0.87848899999999996]

{"sheet":"EE-RU","index":28,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Russia",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",1410.9526267769998,1527.1703647809995,-116.21773800399978,-7.6100047960703909E-2,null,382.150731893,330.53630900500002,51.614422887999979,0.15615356462160768,null,null,382.150731893,330.53630900500002,321.69383555299993,376.57175032599997,436.03753151500007,null,null,1527.1703647809995,743.57510854599991]
["Dividend income",4.6561999999999999E-5,1.3765854999999999E-2,-1.3719292999999999E-2,-0.99661757297312803,null,-9.7399999999999991E-7,-3.2090000000000001E-6,2.2350000000000002E-6,-0.6964786537862262,null,null,-9.7399999999999991E-7,-3.2090000000000001E-6,5.0744999999999996E-5,0,2.8336799999999999E-4,null,null,1.3765854999999999E-2,3.8380999999999997E-5]
["Current income from investments in associates",2.828322097,6.2451806840000001,-3.4168585870000001,-0.54711925241072823,null,0.25198327199999998,1.054762778,-0.80277950600000003,-0.76109957873390188,null,null,0.25198327199999998,1.054762778,0.52117109499999992,1.000404952,0.26395884399999997,null,null,6.2451806840000001,2.2657398440000001]
["Net fee and commission income",1151.850816312,2008.1175238260003,-856.26670751400025,-0.42640268677232762,null,185.81289865499997,206.36403157300001,-20.551132918000036,-9.958679698855466E-2,null,null,185.81289865499997,206.36403157300001,263.83941223000005,495.83447385400007,709.14028415300015,null,null,2008.1175238260003,419.63770556499998]
["Net trading income and fair value result",134.662297787,368.78554591400007,-234.12324812700007,-0.63484930665259065,null,5.4769100920000113,38.935956093000001,-33.45904600099999,-0.85933541534415636,null,null,5.4769100920000113,38.935956093000001,44.395940940000003,45.853490661999999,126.56355120199999,null,null,368.78554591400007,-27.187377448000007]
["Net gains/losses from hedge accounting",-2.1433849949999999,-29.276019227999999,27.132634232999997,-0.92678700685679161,null,0.27024111499999998,-0.50195276799999999,0.77219388299999991,"–",null,null,0.27024111499999998,-0.50195276799999999,-1.1050703019999999,-0.80660304000000005,-6.4294823059999997,null,null,-29.276019227999999,-0.835545015]
["Other net operating income ",-19.246182755,-37.259279856999996,18.013097101999996,-0.48345263706474539,null,4.3498610000000694E-2,-2.4989298219999991,2.5424284319999999,"–",null,null,4.3498610000000694E-2,-2.4989298219999991,1.1701798760000002,-17.960931419000001,-27.274441907000003,null,null,-37.259279856999996,-6.5646631010000007]
["Operating income",2678.9045417849998,3843.7970819749994,-1164.8925401899996,-0.30305776172540844,null,574.00626266300003,573.89017364999995,0.11608901300007801,2.0228437134894861E-4,null,null,574.00626266300003,573.89017364999995,630.51552013699995,900.49258533500006,1238.3016848690004,null,null,3843.7970819749994,1130.8910067719999]
["Staff expenses",-580.82436391199997,-532.76862960699998,-48.055734304999987,9.0200007347370548E-2,null,-110.25727965199999,-89.813830202999995,-20.443449448999999,0.22762028300978909,null,null,-110.25727965199999,-89.813830202999995,-193.17278008199997,-187.58047397499999,-171.906314522,null,null,-532.76862960699998,-258.84699497999998]
["Other administrative expenses",-101.957291035,-111.614566809,9.6572757739999986,-8.6523435516494662E-2,null,-38.997306354999999,-21.191072778999999,-17.806233576,0.84027051210194892,null,null,-38.997306354999999,-21.191072778999999,-21.619800357999999,-20.149111543,-33.193682653000003,null,null,-111.614566809,-136.561140798]
["Depreciation ",-46.359841104999994,-51.501590714000002,5.1417496090000085,-9.9836714511466473E-2,null,-12.219780965,-10.269696414999999,-1.9500845500000015,0.18988726357594099,null,null,-12.219780965,-10.269696414999999,-11.637815789000001,-12.232547936000001,-14.529805811000001,null,null,-51.501590714000002,-39.463461467000002]
["General administrative expenses",-729.14149605199998,-695.88478712999995,-33.25670892200003,4.7790538803353932E-2,null,-161.47436697200001,-121.27459939699999,-40.199767575000024,0.33147722420754877,null,null,-161.47436697200001,-121.27459939699999,-226.43039622899997,-219.962133454,-219.62980298599999,null,null,-695.88478712999995,-434.87159724499998]
["Operating result",1949.7630457329997,3147.9122948449995,-1198.1492491119998,-0.38061710012508321,null,412.53189569100005,452.61557425299998,-40.083678561999946,-8.8560095679770412E-2,null,null,412.53189569100005,452.61557425299998,404.08512390800001,680.53045188100009,1018.6718818830004,null,null,3147.9122948449995,696.01940952699988]
["Other result",-7.7259302850000005,-7.1453719800000002,-0.58055830500000027,8.1249556583616878E-2,null,-2.1171911110000008,0.55898032600000003,-2.6761714370000007,"–",null,null,-2.1171911110000008,0.55898032600000003,0.40499592900000003,-6.5727154289999996,-5.8392805679999995,null,null,-7.1453719800000002,5.4028662520000008]
["Net modification gains/losses",5.9511216999999998E-2,-4.3079713999999998E-2,0.102590931,"–",null,-8.5829999999999999E-4,3.9161989999999995E-3,-4.7744989999999998E-3,"–",null,null,-8.5829999999999999E-4,3.9161989999999995E-3,4.8897832000000002E-2,7.5554859999999993E-3,3.2284811999999996E-2,null,null,-4.3079713999999998E-2,-0.39113150100000005]
["Impairment or reversal of impairment on investments in subsidiaries and associates",-1.0999999999999999E-8,0,-1.0999999999999999E-8,"–",null,5.8121935730000001,0.39234509700000003,5.4198484760000003,">500,0%",null,null,5.8121935730000001,0.39234509700000003,0.36587575900000002,-6.5704144400000004,0,null,null,0,-1.0999999999999999E-8]
["Impairment on non-financial assets",-8.4937828670000002,-7.0971030339999999,-1.3966798330000003,0.19679576671057819,null,-8.3656628650000009,-3.1261080000000004E-2,-8.3344017850000007,">500,0%",null,null,-8.3656628650000009,-3.1261080000000004E-2,-9.6476335999999996E-2,-3.8258600000000003E-4,-6.018389387,null,null,-7.0971030339999999,11.163442171]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",0.70834137600000002,-5.1892320000000002E-3,0.71353060800000001,"–",null,0.43713648100000002,0.19398010999999998,0.24315637100000004,1.2535118729440873,null,null,0.43713648100000002,0.19398010999999998,8.6698674000000003E-2,-9.4738889999999992E-3,0.14682400700000001,null,null,-5.1892320000000002E-3,-5.3694444069999996]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-42.115712365999997,-53.738898733000006,11.62318636700001,-0.21628999925639414,null,-9.0648813730000004,-9.3044537550000008,0.23957238200000042,-2.5748140439868394E-2,null,null,-9.0648813730000004,-9.3044537550000008,-10.874946734,-12.871430504000001,-13.635259230000001,null,null,-53.738898733000006,-38.709880978000001]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",-42.115712365999997,-53.738898733000006,11.62318636700001,-0.21628999925639414,null,-9.0648813730000004,-9.3044537550000008,0.23957238200000042,-2.5748140439868394E-2,null,null,-9.0648813730000004,-9.3044537550000008,-10.874946734,-12.871430504000001,-13.635259230000001,null,null,-53.738898733000006,-38.709880978000001]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment losses on financial assets ",-94.81093992800001,-470.57469095599998,375.763751028,-0.7985209537398068,null,52.283555757000002,40.644475802000002,11.639079955,0.2863631459217213,null,null,52.283555757000002,40.644475802000002,91.901034402999997,-279.64000589,-171.770862145,null,null,-470.57469095599998,-71.982959541999989]
["Profit/loss before tax",1805.1104631539999,2616.4533331760003,-811.3428700220004,-0.31009262031711693,null,453.63337896399997,484.51457662600001,-30.881197662000034,-6.3736364501242759E-2,null,null,453.63337896399997,484.51457662600001,485.516207506,381.44630005800002,827.42647994000004,null,null,2616.4533331760003,590.72943525899996]
["Income taxes",-463.99454894799999,-558.79569994000008,94.801150992000089,-0.16965261365142792,null,-136.58070576,-145.88858621900002,9.3078804590000175,-6.380129316646832E-2,null,null,-136.58070576,-145.88858621900002,-101.158558711,-80.366698258,-189.969943132,null,null,-558.79569994000008,-117.08950894100001]
["Profit/loss after tax",1341.1159142060001,2057.657633236,-716.54171902999997,-0.34823175024657627,null,317.05267320399997,338.62599040700002,-21.573317203000045,-6.3708391600629133E-2,null,null,317.05267320399997,338.62599040700002,384.35764879499999,301.07960180000003,637.45653680800001,null,null,2057.657633236,473.63992631799999]
[]
["Return on equity before tax",0.5042188187337332,0.96896070623396224,-46.474188750022904,-0.4796292403915231,null,0.44900012611958151,0.53621824062774992,-8.7218114508168405,-0.1626541357602127,null,null,0.44900012611958151,0.53621824062774992,0.52361191811762564,0.37652012208614127,0.80771039805249367,null,null,0.96896070623396224,0.33965066275618094]
["Return on equity after tax",0.3746119120402383,0.76201985650089266,-38.740794446065436,-0.50839612794289502,null,0.31381440797028248,0.37476154808657425,-6.0947140116291765,-0.1626291182419074,null,null,0.31381440797028248,0.37476154808657425,0.41451601948065464,0.29719131738896326,0.62226709631493748,null,null,0.76201985650089266,0.27232791406638551]
["Net interest margin (avg. interest bearing assets)",6.4730516278817166E-2,5.9244597102263118E-2,0.54859191765540483,9.2597797012353933E-2,null,7.8680566846442909E-2,6.688329826783071E-2,1.1797268578612199,0.17638586738606477,null,null,7.8680566846442909E-2,6.688329826783071E-2,5.6888819854490867E-2,5.9742827396441885E-2,6.323881998743773E-2,null,null,5.9244597102263118E-2,4.7111078820277479E-2]
["Cost/income ratio",0.27217897639837535,0.18104097908634764,9.1137997312027714,0.50341087289723152,null,0.28131115891117348,0.21132022286717533,6.999093604399814,0.33120794164593859,null,null,0.28131115891117348,0.21132022286717533,0.35911946494164115,0.24426867809485625,0.17736372781341622,null,null,0.18104097908634764,0.38453891192069134]
["Loan/deposit ratio",0.42908363474221556,0.4476180485576659,-1.8534413815450346,-4.1406761579817264E-2,null,0.42908363474221556,0.41501957949272744,1.4064055249488117,3.3887690953468885E-2,null,null,0.42908363474221556,0.41501957949272744,0.41685997806800618,0.40256467303712845,0.4476180485576659,null,null,0.4476180485576659,0.78954805309637066]
["Provisioning ratio (avg. loans and advances to customers)",1.271439144296122E-2,2.9686005732583728E-2,-1.697161428962251,-0.57170420441555914,null,-2.5149902108827841E-2,-2.0581911360100971E-2,-0.45679907487268695,0.22194200863104196,null,null,-2.5149902108827841E-2,-2.0581911360100971E-2,-3.9492034157388951E-2,0.11096629458211431,6.1192892001358794E-2,null,null,2.9686005732583728E-2,6.733022400304425E-3]
["NPE ratio",1.3689232206072167E-2,1.6589179033294578E-2,-0.2899946827222411,-0.17480954430609263,null,1.3689232206072167E-2,1.4562593484446051E-2,-8.7336127837388422E-2,-5.997292167131496E-2,null,null,1.3689232206072167E-2,1.4562593484446051E-2,1.6922819377004707E-2,1.6494496152376921E-2,1.6589179033294578E-2,null,null,1.6589179033294578E-2,1.5322804620825381E-2]
["NPE coverage ratio",0.73502261257026069,0.67239797774221965,6.2624634828041037,9.3136262899425004E-2,null,0.73502261257026069,0.76051952184510152,-2.5496909274840829,-3.3525647327214747E-2,null,null,0.73502261257026069,0.76051952184510152,0.680029452731297,0.73491893984632284,0.67239797774221965,null,null,0.67239797774221965,0.64302297566784072]
[]
["Assets",20701.607721416,26871.651702568,-6170.0439811520009,-0.22961163866835765,null,20701.607721416,22277.977891251998,-1576.3701698359982,-7.0759122642589545E-2,null,null,20701.607721416,22277.977891251998,23459.279301161001,27024.045699997001,26871.651702568,null,null,26871.651702568,18732.68038595]
["Total risk-weighted assets (RWA) ",14025.052546089581,16299.558969674315,-2274.5064235847349,-0.13954404703934031,null,14025.052546089581,13724.194385924884,300.85816016469653,2.1921735564547795E-2,null,null,14025.052546089581,13724.194385924884,14327.241508034371,15595.643322161888,16299.558969674315,null,null,16299.558969674315,11954.659700685368]
["Equity",4449.5321942370001,4137.5582120500003,311.97398218699982,7.5400505853530531E-2,null,4449.5321942370001,3971.6461621919998,477.88603204500032,0.12032442280337707,null,null,4449.5321942370001,3971.6461621919998,3979.9550795560003,4123.437197753,4137.5582120500003,null,null,4137.5582120500003,2074.151231284]
["Loans to customers",5973.227018263,8987.4770946600001,-3014.2500763970002,-0.33538333891142236,null,5973.227018263,6303.3818019210003,-330.15478365800027,-5.2377405340952587E-2,null,null,5973.227018263,6303.3818019210003,7085.4170124690008,8078.0635223000008,8987.4770946600001,null,null,8987.4770946600001,11643.634080229]
["  Hereof non-financial corporations %",0.55123459058441993,0.51977595108082153,3.1458639503598396,6.0523460999269751E-2,null,0.55123459058441993,0.57405595984130908,-2.2821369256889157,-3.9754607309011925E-2,null,null,0.55123459058441993,0.57405595984130908,0.57180005313113191,0.56125466455308515,0.51977595108082153,null,null,0.51977595108082153,0.61576860951593804]
["  Hereof households %",0.42932858968547022,0.42932144913933373,7.140546136485959E-4,1.6632167227692563E-5,null,0.42932858968547022,0.41337326424268156,1.5955325442788659,3.8597864987760078E-2,null,null,0.42932858968547022,0.41337326424268156,0.41766663476025678,0.42407869092302192,0.42932144913933373,null,null,0.42932144913933373,0.35479536304800741]
["  Hereof FCY %",8.9776878355619594E-2,0.11959014785328113,-2.9813269497661539,-0.24929536448301637,null,8.9776878355619594E-2,9.7243109904414565E-2,-0.74662315487949715,-7.6779028932064453E-2,null,null,8.9776878355619594E-2,9.7243109904414565E-2,0.11327759427469153,0.12663290688201914,0.11959014785328113,null,null,0.11959014785328113,0.19134192420951893]
["Deposits from customers",14638.749842318999,20175.408053776002,-5536.6582114570028,-0.27442608331387719,null,14638.749842318999,15826.112177267001,-1187.3623349480022,-7.5025522481355633E-2,null,null,14638.749842318999,15826.112177267001,17727.280619995003,20813.591388265002,20175.408053776002,null,null,20175.408053776002,14820.524421526001]
[]
["Business outlets",124,127,-3,-2.3622047244094446E-2,null,124,125,-1,-8.0000000000000071E-3,null,null,124,125,124,124,127,null,null,127,132]
["Number of employees",9942,9537,405,4.2466184334696511E-2,null,9942,9953,-11,-1.1051944137445702E-3,null,null,9942,9953,9897,9890,9537,null,null,9537,9327]
["Number of customers in million",3.2079309999999999,3.1548099999999999,5.3120999999999974E-2,1.6838098015411473E-2,null,3.2079309999999999,3.1598290000000002,4.8101999999999645E-2,1.522297567368347E-2,null,null,3.2079309999999999,3.1598290000000002,3.1858949999999999,3.245517,3.1548099999999999,null,null,3.1548099999999999,4.3132330000000003]

{"sheet":"EE-UA","index":29,"n_rows":58,"n_cols":21,"rows_kept":58,"cut":false,"hidden":false,"merged":[[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Ukraine",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",417.87604189500001,375.05112341200004,42.824918482999976,0.11418421599008544,null,105.58419780599999,112.34580807399998,-6.7616102679999841,-6.0185692585398853E-2,null,null,105.58419780599999,112.34580807399998,99.396567462999997,100.54946855200001,110.39136340799999,null,null,375.05112341200004,253.82384751100003]
["Dividend income",2.3409600000000002E-4,2.2590999999999998E-4,8.1860000000000331E-6,3.6235669071754462E-2,null,-9.5299999999999992E-7,2.7E-8,-9.7999999999999993E-7,"–",null,null,-9.5299999999999992E-7,2.7E-8,2.3502199999999999E-4,0,-7.418E-6,null,null,2.2590999999999998E-4,0.9477557929999999]
["Current income from investments in associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Net fee and commission income",83.920727558999999,86.544925173999999,-2.6241976149999999,-3.0321796566627146E-2,null,23.012509008000002,16.866832987999992,6.1456760200000105,0.36436455049815142,null,null,23.012509008000002,16.866832987999992,20.475328625,23.566056937999999,29.234556848999997,null,null,86.544925173999999,91.406434456000014]
["Net trading income and fair value result",32.914639911000002,65.229563518999996,-32.314923607999994,-0.49540303299112742,null,4.2697653340000006,8.65890235,-4.3891370159999994,-0.50689300312989438,null,null,4.2697653340000006,8.65890235,8.1616225090000007,11.824349718000001,11.254033062000001,null,null,65.229563518999996,14.441762139]
["Net gains/losses from hedge accounting",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Other net operating income ",-2.4183344620000007,-3.2768514260000003,0.85851696399999966,-0.26199447347174276,null,-0.24159466100000002,-3.521019300000007E-2,-0.20638446799999993,">500,0%",null,null,-0.24159466100000002,-3.521019300000007E-2,-1.2504129409999998,-0.89111666700000014,-2.4569380400000007,null,null,-3.2768514260000003,-10.43154871]
["Operating income",532.29330899900003,523.54898658900004,8.7443224099999952,1.6702013821038086E-2,null,132.62487653400001,137.83633324599995,-5.2114567119999435,-3.780902022907795E-2,null,null,132.62487653400001,137.83633324599995,126.78334067800002,135.04875854100001,148.42300786099997,null,null,523.54898658900004,350.18825118900003]
["Staff expenses",-94.187339261999995,-104.10726254000001,9.9199232780000131,-9.5285602905835542E-2,null,-22.930078016,-23.487996043999999,0.55791802799999957,-2.37533260374726E-2,null,null,-22.930078016,-23.487996043999999,-23.121782360000001,-24.647482841999999,-24.107022344000001,null,null,-104.10726254000001,-92.434947341000012]
["Other administrative expenses",-52.430103451000001,-51.821396068000006,-0.60870738299999516,1.1746255971206265E-2,null,-17.728221390000002,-13.302197134,-4.4260242560000016,0.3327288124972394,null,null,-17.728221390000002,-13.302197134,-10.950154322000001,-10.449530605,-16.208513760999999,null,null,-51.821396068000006,-45.54426746]
["Depreciation ",-32.894864575,-26.374769653999998,-6.5200949210000019,0.24720954937368189,null,-11.253840023,-8.4385611309999984,-2.815278892000002,0.33362072612803151,null,null,-11.253840023,-8.4385611309999984,-6.7756461699999999,-6.4268172510000001,-7.6211532899999996,null,null,-26.374769653999998,-28.51004082]
["General administrative expenses",-179.51230728799999,-182.30342826200001,2.7911209740000231,-1.5310304367884497E-2,null,-51.912139429,-45.228754308999996,-6.6833851200000041,0.14776849864888031,null,null,-51.912139429,-45.228754308999996,-40.847582852000002,-41.523830697999998,-47.936689395000002,null,null,-182.30342826200001,-166.48925562100001]
["Operating result",352.78100171100004,341.24555832700003,11.535443384000018,3.3803937084350588E-2,null,80.712737105000002,92.607578936999957,-11.894841831999948,-0.12844350288103201,null,null,80.712737105000002,92.607578936999957,85.935757826000014,93.524927843000015,100.48631846599997,null,null,341.24555832700003,183.69899556800002]
["Other result",-1.1783140780000001,3.5584115449999993,-4.7367256229999999,"–",null,-1.723741368,-1.6734043169999999,-5.0337051000000077E-2,3.0080626952272871E-2,null,null,-1.723741368,-1.6734043169999999,0.36072697399999998,1.858104633,5.1555220330000004,null,null,3.5584115449999993,-2.8436766470000001]
["Net modification gains/losses",-0.38034243800000006,9.1859660969999997,-9.5663085349999992,"–",null,-1.3738784240000002,-1.654234314,0.28035588999999983,-0.16947773820631784,null,null,-1.3738784240000002,-1.654234314,0.43322482099999998,2.2145454789999999,5.4217647370000002,null,null,9.1859660969999997,-3.3222945040000003]
["Impairment or reversal of impairment on investments in subsidiaries and associates",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Impairment on non-financial assets",-0.79474600500000003,-5.6275076950000003,4.8327616899999999,-0.8587747812933022,null,-0.34987608100000001,-1.9169631000000003E-2,-0.33070644999999999,">500,0%",null,null,-0.34987608100000001,-1.9169631000000003E-2,-6.9259447000000002E-2,-0.35644084600000003,-0.26619584699999999,null,null,-5.6275076950000003,0.35719009800000001]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",-3.2256350000000001E-3,-4.6857000000000002E-5,-3.1787780000000002E-3,">500,0%",null,1.3137E-5,-3.72E-7,1.3508999999999999E-5,"–",null,null,1.3137E-5,-3.72E-7,-3.2384000000000002E-3,0,-4.6857000000000002E-5,null,null,-4.6857000000000002E-5,0.12142775900000001]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-10.879746703,-9.9600522659999999,-0.91969443700000042,9.2338314341934069E-2,null,-2.6217523149999997,-2.8377738139999997,0.21602149900000001,-7.6123578959771176E-2,null,null,-2.6217523149999997,-2.8377738139999997,-2.518984696,-2.901235878,-2.625043045,null,null,-9.9600522659999999,-8.033108026999999]
["Bank levies",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Deposit insurance fees",-10.879746703,-9.9600522659999999,-0.91969443700000042,9.2338314341934069E-2,null,-2.6217523149999997,-2.8377738139999997,0.21602149900000001,-7.6123578959771176E-2,null,null,-2.6217523149999997,-2.8377738139999997,-2.518984696,-2.901235878,-2.625043045,null,null,-9.9600522659999999,-8.033108026999999]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-8.033108026999999]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-8.033108026999999]
["Impairment losses on financial assets ",-94.200993350999994,-253.03106808799998,158.83007473699999,-0.62770977468174594,null,-19.806526145999999,4.5728404229999997,-24.379366568999998,"–",null,null,-19.806526145999999,4.5728404229999997,-50.989232656999995,-27.978074971000002,-5.7238304599999994,null,null,-253.03106808799998,-22.622250076]
["Profit/loss before tax",246.521947579,81.812849518000007,164.70909806099999,2.0132424066804031,null,56.560717275999998,92.669241229000008,-36.108523953000009,-0.38964950477764537,null,null,56.560717275999998,92.669241229000008,32.788267447000003,64.50372162699999,97.292966993999997,null,null,81.812849518000007,150.19996081799999]
["Income taxes",-125.12828949199999,-16.896294390999998,-108.231995101,">500,0%",null,-91.318893799999998,-16.264583383999998,-75.054310415999993,4.6145854857760069,null,null,-91.318893799999998,-16.264583383999998,-6.2042144940000004,-11.340597813999999,-19.052227886999997,null,null,-16.896294390999998,-28.428915572000001]
["Profit/loss after tax",121.39365808699999,64.916555126999995,56.477102959999996,0.86999537867514043,null,-34.758176524,76.404657845000003,-111.162834369,"–",null,null,-34.758176524,76.404657845000003,26.584052953,53.163123812999999,78.240739106999996,null,null,64.916555126999995,121.771045246]
[]
["Return on equity before tax",0.57207957806421117,0.19518772071321741,37.689185735099372,1.9309199163442661,null,0.43875587397235549,0.74712019878273916,-30.836432481038369,-0.41273723466825363,null,null,0.43875587397235549,0.74712019878273916,0.29413473839280152,0.60905865733514808,1.0210334369916449,null,null,0.19518772071321741,0.43890428075929505]
["Return on equity after tax",0.28170649055831937,0.15487682566300631,12.682966489531305,0.81890666568334392,null,"–",0.61599148110020141,"–","–",null,null,"–",0.61599148110020141,0.23847839698728801,0.50197818036803954,0.82109132069241297,null,null,0.15487682566300631,0.35583120488136799]
["Net interest margin (avg. interest bearing assets)",0.10225270351102232,0.10068055134843698,0.15721521625853413,1.5615251819037113E-2,null,9.9898461539963374E-2,0.10763756454077712,-0.77391030008137496,-7.1899647988429627E-2,null,null,9.9898461539963374E-2,0.10763756454077712,0.10046773001133073,0.10065909569054096,0.11465493736098063,null,null,0.10068055134843698,8.108541606834456E-2]
["Cost/income ratio",0.33724321582320937,0.34820701201187332,-1.0963796188663943,-3.1486431376890556E-2,null,0.39142083133771438,0.32813376011881495,6.3287071218899431,0.19286973457404577,null,null,0.39142083133771438,0.32813376011881495,0.32218415001181661,0.30747287977026166,0.3229734398045167,null,null,0.34820701201187332,0.47542787359574817]
["Loan/deposit ratio",0.33647843055129889,0.43469241528750691,-9.8213984736208015,-0.22593903477991206,null,0.33647843055129889,0.35591244064963135,-1.9434010098332455,-5.4603345875913756E-2,null,null,0.33647843055129889,0.35591244064963135,0.3479538039419422,0.40440866251459939,0.43469241528750691,null,null,0.43469241528750691,0.64821397650690393]
["Provisioning ratio (avg. loans and advances to customers)",3.4540485742563229E-2,0.11321253226415434,-7.8672046521591117,-0.69490581076332369,null,3.2979822753175667E-2,7.8084956608533342E-3,2.5171327092322331,3.2235821322812308,null,null,3.2979822753175667E-2,7.8084956608533342E-3,6.1855104979677375E-2,3.5211439604646802E-2,1.0109718072914683E-2,null,null,0.11321253226415434,1.1999820676236558E-2]
["NPE ratio",5.6054554337846098E-2,6.5231982468587496E-2,-0.91774281307413985,-0.14068908813496195,null,5.6054554337846098E-2,5.5444663239390131E-2,6.098910984559669E-2,1.0999996443709525E-2,null,null,5.6054554337846098E-2,5.5444663239390131E-2,5.9858009515795958E-2,6.4823455632838395E-2,6.5231982468587496E-2,null,null,6.5231982468587496E-2,1.1503514495927779E-2]
["NPE coverage ratio",0.7381314273376447,0.60442683413501597,13.370459320262873,0.22120889684517553,null,0.7381314273376447,0.75086221434849976,-1.273078701085506,-1.6954891014060669E-2,null,null,0.7381314273376447,0.75086221434849976,0.67921338858327773,0.65991060296485193,0.60442683413501597,null,null,0.60442683413501597,0.77707125611219729]
[]
["Assets",4472.5059784309997,4258.4263273349998,214.07965109599991,5.0272010043197035E-2,null,4472.5059784309997,4716.3614402040002,-243.85546177300057,-5.1704150511936331E-2,null,null,4472.5059784309997,4716.3614402040002,4297.5154151950001,4223.0893015800002,4258.4263273349998,null,null,4258.4263273349998,4051.6322283060003]
["Total risk-weighted assets (RWA) ",4864.9536371332097,4809.6093746014785,55.344262531731147,1.1507018184053086E-2,null,4864.9536371332097,5349.3257788001711,-484.3721416669614,-9.0548260041773632E-2,null,null,4864.9536371332097,5349.3257788001711,4926.2891498610434,4688.5632019430705,4809.6093746014785,null,null,4809.6093746014785,3538.6003984165359]
["Equity",511.89216405500002,427.80730522899995,84.084858826000072,0.19654844084766276,null,511.89216405500002,595.80521270299994,-83.913048647999915,-0.14083973563660201,null,null,511.89216405500002,595.80521270299994,499.46550444400003,472.070724541,427.80730522899995,null,null,427.80730522899995,471.42494376599996]
["Loans to customers",1303.0257093099997,1626.9725520010002,-323.94684269100048,-0.19911020766304932,null,1303.0257093099997,1426.6765647669997,-123.65085545700003,-8.667055905358223E-2,null,null,1303.0257093099997,1426.6765647669997,1279.873522973,1479.1594996379999,1626.9725520010002,null,null,1626.9725520010002,2234.3380080920001]
["  Hereof non-financial corporations %",0.86060228978890652,0.88086972694491972,-2.0267437156013202,-2.3008438746448756E-2,null,0.86060228978890652,0.87993756990325667,-1.9335280114350151,-2.1973468091010084E-2,null,null,0.86060228978890652,0.87993756990325667,0.88670714085077684,0.89633646118993504,0.88086972694491972,null,null,0.88086972694491972,0.85168683220137242]
["  Hereof households %",9.6495613444635711E-2,8.7448108784635825E-2,0.90475046599998854,0.1034614102665361,null,9.6495613444635711E-2,9.2597624020392649E-2,0.38979894242430618,4.209599830968247E-2,null,null,9.6495613444635711E-2,9.2597624020392649E-2,9.4446470969420979E-2,8.5186967561535917E-2,8.7448108784635825E-2,null,null,8.7448108784635825E-2,0.13399509969651485]
["  Hereof FCY %",0.35389061316320286,0.31037580172597734,4.3514811437225518,0.1402003996292327,null,0.35389061316320286,0.32919798584142684,2.4692627321776017,7.5008439856221854E-2,null,null,0.35389061316320286,0.32919798584142684,0.30957303074647113,0.30750371979852875,0.31037580172597734,null,null,0.31037580172597734,0.26905993244031262]
["Deposits from customers",3766.580509809,3693.6845205770005,72.895989231999465,1.9735304633058393E-2,null,3766.580509809,3964.6142303199999,-198.03372051099996,-4.995031269284822E-2,null,null,3766.580509809,3964.6142303199999,3666.9159076359997,3647.8483618630003,3693.6845205770005,null,null,3693.6845205770005,3478.6315602180002]
[]
["Business outlets",321,386,-65,-0.16839378238341973,null,321,321,0,0,null,null,321,321,328,328,386,null,null,386,390]
["Number of employees",5333,5400,-67,-1.2407407407407423E-2,null,5333,5258,75,1.4263978699125213E-2,null,null,5333,5258,5224,5275,5400,null,null,5400,6645]
["Number of customers in million",2.90082,2.8617319999999999,3.9088000000000012E-2,1.3658861137241463E-2,null,2.90082,2.9123000000000001,-1.1480000000000157E-2,-3.9419015898087828E-3,null,null,2.90082,2.9123000000000001,2.8950779999999998,2.8893170000000001,2.8617319999999999,null,null,2.8617319999999999,2.8902489999999998]

{"sheet":"GC&M","index":30,"n_rows":60,"n_cols":21,"rows_kept":60,"cut":false,"hidden":false,"merged":[[59,0,59,3],[0,11,3,11],[0,17,3,17],[0,18,3,18]]}
["Group Corporates & Markets (GC&M)",null,null,null,null,null,null,null,null,null,null,"QoQ",null,null,null,null,null,null,"Archive"]
[]
[]
["\n€ million","1/1-31/12\n2023","1/1-31/12\n2022","YoY Change\nabsolute","YoY Change\nin percent",null,"Q4\n2023","Q3\n2023","QoQ Change\nabsolute","QoQ Change\nin percent",null,null,"Q4\n2023","Q3\n2023","Q2\n2023","Q1\n2023","Q4\n2022",null,null,"1/1-31/12\n2022","1/1-31/12\n2021"]
["Net interest income",967.15701235299991,732.54745505799997,234.60955729499995,0.32026533663464107,null,255.684955008,247.78538365300005,7.8995713549999493,3.1880699493003872E-2,null,null,255.684955008,247.78538365300005,238.11063060899997,225.576043083,227.98002064600001,null,null,732.54745505799997,606.84163784199995]
["Dividend income",4.6929400000000001,12.313651999999999,-7.6207119999999993,-0.61888317129637893,null,0.35380400000000001,1.925416,-1.571612,-0.81624542436543579,null,null,0.35380400000000001,1.925416,0.35923100000000002,2.0544889999999998,0.191388,null,null,12.313651999999999,5.1219070000000002]
["Current income from investments in associates",14.344986789,6.1186569620000002,8.2263298270000007,1.3444665844301666,null,3.6209769349999998,3.9328353100000002,-0.31185837500000035,-7.9296067701345008E-2,null,null,3.6209769349999998,3.9328353100000002,3.0423285099999999,3.748846034,2.8727499349999999,null,null,6.1186569620000002,3.7438023930000002]
["Net fee and commission income",578.44057928300003,616.7554957509999,-38.314916467999865,-6.2123348283010027E-2,null,150.16116258099999,141.57577441500001,8.5853881659999729,6.0641647213129035E-2,null,null,150.16116258099999,141.57577441500001,128.94819970500001,157.755442582,165.56863230999997,null,null,616.7554957509999,536.08451781000008]
["Net trading income and fair value result",162.94816173999999,141.27279882400001,21.675362915999983,0.15342913212191345,null,21.365610101999998,47.538790466000002,-26.173180364000004,-0.55056470952325132,null,null,21.365610101999998,47.538790466000002,36.819938477000001,57.22382269500001,46.457214503999992,null,null,141.27279882400001,60.464002403999984]
["Net gains/losses from hedge accounting",-5.4872709999999998,-16.990559999999999,11.503288999999999,-0.67704001516136025,null,0.83657899999999996,0.76047799999999999,7.6100999999999974E-2,0.10006995600135693,null,null,0.83657899999999996,0.76047799999999999,-2.8751880000000001,-4.2091399999999997,-5.4022649999999999,null,null,-16.990559999999999,-0.54891900000000005]
["Other net operating income ",108.45448126100001,110.17630179999999,-1.7218205389999781,-1.5627866527282319E-2,null,25.84942774400001,18.912319279999998,6.937108464000012,0.36680368818308207,null,null,25.84942774400001,18.912319279999998,34.338554722000005,29.354179514999998,26.603371411999998,null,null,110.17630179999999,131.49808593399999]
["Operating income",1830.550890426,1602.1938003949999,228.3570900310001,0.14252775786218974,null,457.87251536999997,462.4309971240001,-4.5584817540001268,-9.8576474811392645E-3,null,null,457.87251536999997,462.4309971240001,438.74369502300004,471.50368290900002,464.27111180699995,null,null,1602.1938003949999,1343.2050343830001]
["Staff expenses",-442.89250700100001,-400.38859948499999,-42.503907516000027,0.10615663775309958,null,-115.327936518,-110.118094203,-5.2098423150000031,4.7311410106642304E-2,null,null,-115.327936518,-110.118094203,-120.634973634,-96.811502645999994,-103.696134743,null,null,-400.38859948499999,-375.35980719399998]
["Other administrative expenses",-367.103383017,-297.46369834199999,-69.639684675000012,0.23411154054480243,null,-124.670226511,-75.714836167999991,-48.955390343000005,0.64657592647199635,null,null,-124.670226511,-75.714836167999991,-81.323006502999988,-85.395313834999996,-83.101897289999997,null,null,-297.46369834199999,-266.37155006799998]
["Depreciation ",-72.092159277999997,-67.341212933999998,-4.750946343999999,7.055035300086332E-2,null,-22.091640087000002,-17.179200011999999,-4.9124400750000028,0.2859527842721763,null,null,-22.091640087000002,-17.179200011999999,-15.956397194000001,-16.864921984999999,-19.936787671000001,null,null,-67.341212933999998,-61.169870722000006]
["General administrative expenses",-882.08804929600001,-765.19351076099997,-116.89453853500004,0.1527646757207155,null,-262.08980311599998,-203.01213038299997,-59.077672733000014,0.29100562917863515,null,null,-262.08980311599998,-203.01213038299997,-217.914377331,-199.07173846599997,-206.73481970399999,null,null,-765.19351076099997,-702.901227984]
["Operating result",948.46284113000002,837.00028963399996,111.46255149600006,0.13316907159582936,null,195.78271225399999,259.4188667410001,-63.636154487000141,-0.24530272330012715,null,null,195.78271225399999,259.4188667410001,220.82931769200005,272.43194444300002,257.53629210299994,null,null,837.00028963399996,640.30380639900011]
["Other result",6.2948571390000003,2.9050500000000001,3.3898071390000002,1.1668670553002531,null,-1.9887468609999996,6.5655109999999999,-8.554257861,"–",null,null,-1.9887468609999996,6.5655109999999999,0.27893800000000002,1.439155,-1.4164560000000002,null,null,2.9050500000000001,-4.6975470000000001]
["Net modification gains/losses",2.2720479999999998,-2.1137429999999999,4.3857909999999993,"–",null,-1.4339759999999999,3.7296900000000002,-5.1636660000000001,"–",null,null,-1.4339759999999999,3.7296900000000002,-0.24130699999999999,0.21764099999999997,-1.031819,null,null,-2.1137429999999999,-4.3598379999999999]
["Impairment or reversal of impairment on investments in subsidiaries and associates",-2.7538399999999998,-0.95415000000000005,-1.7996899999999998,1.886170937483624,null,-3.118528,7.6479000000000005E-2,-3.1950069999999999,"–",null,null,-3.118528,7.6479000000000005E-2,0.30590899999999999,-1.77E-2,-0.84657499999999997,null,null,-0.95415000000000005,-1.651651]
["Impairment on non-financial assets",4.4811500000000004,4.8615519999999997,-0.38040199999999924,-7.8247028932324381E-2,null,0.239593,2.8024309999999999,-2.5628379999999997,-0.91450529914920298,null,null,0.239593,2.8024309999999999,0.214336,1.22479,0.21368500000000001,null,null,4.8615519999999997,2.3371819999999999]
["Negative goodwill recognized in profit or loss",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Result from non-current assets and disposal groups classified as held for sale and deconsolidation",2.2954991389999999,1.111391,1.1841081389999999,1.06542894354912,null,2.3241641390000001,-4.3089000000000002E-2,2.3672531390000002,"–",null,null,2.3241641390000001,-4.3089000000000002E-2,0,1.4423999999999999E-2,0.248253,null,null,1.111391,-0.96889800000000004]
["Tax expenses not attributable to the business activity",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-5.4342000000000001E-2]
["Expenses for credit-linked, portfolio-based litigations and annulments",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Governmental measures and compulsory contributions",-44.429732000000001,-53.779192000000002,9.3494600000000005,-0.17384902324304163,null,-10.174865,-8.1871839999999985,-1.987681000000002,0.24277956865266526,null,null,-10.174865,-8.1871839999999985,-0.92521899999999979,-25.142463999999997,-13.285019,null,null,-53.779192000000002,-40.755046]
["Bank levies",2.7729999999999999E-3,-10.205082000000001,10.207855,"–",null,-0.214285,-0.181866,-3.2419000000000003E-2,0.17825761824640129,null,null,-0.214285,-0.181866,3.7595429999999999,-3.3606189999999998,-3.6105719999999999,null,null,-10.205082000000001,-7.9011449999999996]
["Profit/loss from banking business due to governmental measures",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,0]
["Resolution fund",-30.601147000000001,-28.825776999999999,-1.7753700000000023,6.1589666776371788E-2,null,-8.2689789999999999,-8.1957319999999996,-7.3247000000000284E-2,8.93721268582226E-3,null,null,-8.2689789999999999,-8.1957319999999996,-4.4011769999999997,-9.7352589999999992,-6.8188490000000002,null,null,-28.825776999999999,-18.563639999999999]
["Deposit insurance fees",-13.831358,-14.748333000000001,0.91697500000000076,-6.217482341902647E-2,null,-1.6916009999999999,0.190414,-1.882015,"–",null,null,-1.6916009999999999,0.190414,-0.28358499999999998,-12.046586,-2.8555980000000001,null,null,-14.748333000000001,-14.290260999999999]
["Contribution to borrowers' support fund",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-14.290260999999999]
["Insurance industry funds",0,0,0,"–",null,0,0,0,"–",null,null,0,0,0,0,0,null,null,0,-14.290260999999999]
["Impairment losses on financial assets ",-177.20955493599999,-121.96858075600001,-55.240974179999981,0.45291151079727965,null,-150.904748595,-34.943091883000001,-115.96165671200001,3.3185860341229843,null,null,-150.904748595,-34.943091883000001,-6.0207191049999995,14.659004647000001,-26.493869885999995,null,null,-121.96858075600001,-78.566683054000009]
["Profit/loss before tax",733.11841133299993,664.15756687800001,68.960844454999915,0.10383205416022534,null,32.714351798000003,222.85410185800001,-190.13975006000001,-0.8532028285535207,null,null,32.714351798000003,222.85410185800001,214.16231758700002,263.38764008999999,216.34094721700001,null,null,664.15756687800001,516.28453034500001]
["Income taxes",-171.90526450299998,-147.551945504,-24.353318998999981,0.16504912162164476,null,-14.911166205000001,-47.564066365000002,32.652900160000002,-0.68650354470171249,null,null,-14.911166205000001,-47.564066365000002,-51.691870555000001,-57.738161378000001,-54.833978033000001,null,null,-147.551945504,-109.977345887]
["Profit/loss after tax",561.21314683000003,516.60562137400007,44.607525455999962,8.6347348171238902E-2,null,17.803185592999998,175.290035493,-157.48684990000001,-0.89843583782199099,null,null,17.803185592999998,175.290035493,162.47044703200001,205.64947871200002,161.50696918399998,null,null,516.60562137400007,406.30718445799999]
[]
["Return on equity before tax",0.18967127679402446,0.17196019261253292,1.7711084181491532,0.10299525670687526,null,3.38552287275573E-2,0.23185709690241055,-19.800186817485326,-0.85398234869727929,null,null,3.38552287275573E-2,0.23185709690241055,0.2245130459023742,0.27779798323284427,0.22405545195118937,null,null,0.17196019261253292,0.14430433809983201]
["Return on equity after tax",0.14519620905344868,0.13375681703632331,1.1439392017125378,8.5523805594288849E-2,null,1.842405205066671E-2,0.18237150856314155,-16.394745651247483,-0.89897516231660801,null,null,1.842405205066671E-2,0.18237150856314155,0.17032284364151312,0.2169008781868362,0.16726614836113843,null,null,0.13375681703632331,0.11356507094883916]
["Net interest margin (avg. interest bearing assets)",1.5320541727936567E-2,1.1898596212761039E-2,0.34219455151755279,0.28759237257799786,null,1.642698398645832E-2,1.5496290275675279E-2,9.3069371078304153E-2,6.0059129909560527E-2,null,null,1.642698398645832E-2,1.5496290275675279E-2,1.4626345446877497E-2,1.42621464420107E-2,1.3949488199065994E-2,null,null,1.1898596212761039E-2,1.0960661675854544E-2]
["Cost/income ratio",0.48187026862209953,0.47759110700113283,0.42791616209666983,8.9598854715620124E-3,null,0.57240780854515605,0.43901064514618315,13.33971633989729,0.30385860769857609,null,null,0.57240780854515605,0.43901064514618315,0.49667808290573029,0.42220611562947385,0.44528900128927423,null,null,0.47759110700113283,0.52330151390988278]
["Loan/deposit ratio",1.7204295442931026,1.461534572970743,25.889497132235959,0.1771391358851846,null,1.7204295442931026,1.68697554667285,3.3453997620252585,1.9830754326126687E-2,null,null,1.7204295442931026,1.68697554667285,1.7456490113998562,1.610934525915005,1.461534572970743,null,null,1.461534572970743,1.3691010379793196]
["Provisioning ratio (avg. loans and advances to customers)",4.7494515093867698E-3,3.1865151864835135E-3,0.15629363229032561,0.49048450468175497,null,1.6346591430482761E-2,3.7514279422098781E-3,1.2595163488272882,3.3574318052483685,null,null,1.6346591430482761E-2,3.7514279422098781E-3,6.3555764643266675E-4,-1.5942892194882783E-3,2.7712643308582742E-3,null,null,3.1865151864835135E-3,2.1472809341971408E-3]
["NPE ratio",3.0274514144182706E-2,1.786901912220407E-2,1.2405495021978636,0.6942459984590621,null,3.0274514144182706E-2,1.5722706441699555E-2,1.455180770248315,0.92552816885832323,null,null,3.0274514144182706E-2,1.5722706441699555E-2,1.5846272815593702E-2,1.4373071196329143E-2,1.786901912220407E-2,null,null,1.786901912220407E-2,1.5340351399298881E-2]
["NPE coverage ratio",0.35587402474855701,0.47142062991067196,-11.554660516211495,-0.24510298835248157,null,0.35587402474855701,0.41936574596502146,-6.3491721216464461,-0.15139939736937935,null,null,0.35587402474855701,0.41936574596502146,0.42956504858974315,0.41321498220553271,0.47142062991067196,null,null,0.47142062991067196,0.56436983348519365]
[]
["Assets",60131.416208082002,62626.751372019993,-2495.3351639379907,-3.9844556986758262E-2,null,60131.416208082002,67439.117555888006,-7307.7013478060035,-0.10835997878753356,null,null,60131.416208082002,67439.117555888006,63751.070451116,69705.662512865994,62626.751372019993,null,null,62626.751372019993,61561.745666300005]
["Total risk-weighted assets (RWA) ",25938.349548729628,26901.713606192421,-963.36405746279343,-3.5810509009397862E-2,null,25938.349548729628,28447.735570732835,-2509.3860220032075,-8.8210396070500408E-2,null,null,25938.349548729628,28447.735570732835,29352.00159219273,29272.779347578347,26901.713606192421,null,null,26901.713606192421,31761.176980315955]
["Equity",4508.5181983389994,4265.2561817919996,243.2620165469998,5.7033389362511011E-2,null,4508.5181983389994,4475.3672469149997,33.150951423999686,7.40742593735777E-3,null,null,4508.5181983389994,4475.3672469149997,4229.8714426069992,4042.011221835,4265.2561817919996,null,null,4265.2561817919996,3973.463256606]
["Loans to customers",35958.282001261003,37114.791705416996,-1156.5097041559929,-3.1160344730890577E-2,null,35958.282001261003,37872.083545738999,-1913.8015444779958,-5.0533304885817865E-2,null,null,35958.282001261003,37872.083545738999,36657.200601805998,38884.750800215996,37114.791705416996,null,null,37114.791705416996,38161.568075837]
["  Hereof non-financial corporations %",0.51291246977856764,0.51887688510471275,-0.59644153261451116,-1.1494856482075599E-2,null,0.51291246977856764,0.49225904844193646,2.0653421336631173,4.1956407712569144E-2,null,null,0.51291246977856764,0.49225904844193646,0.51530098350923637,0.49381555033932062,0.51887688510471275,null,null,0.51887688510471275,0.53318086886267779]
["  Hereof households %",0.20808703243212795,0.19100855716146473,1.7078475270663223,8.9412095062454844E-2,null,0.20808703243212795,0.19516562499323067,1.2921407438897274,6.6207394049774049E-2,null,null,0.20808703243212795,0.19516562499323067,0.19953641559960358,0.18519084018303644,0.19100855716146473,null,null,0.19100855716146473,0.15796789154523705]
["  Hereof FCY %",0.15336052237080108,0.17501552785911323,-2.1655005488312145,-0.12373190969514625,null,0.15336052237080108,0.18696601119407755,-3.3605488823276461,-0.17974116583357358,null,null,0.15336052237080108,0.18696601119407755,0.17519074881660882,0.19127770274560102,0.17501552785911323,null,null,0.17501552785911323,0.23510918580772999]
["Deposits from customers",28835.736299197,31630.839753364002,-2795.1034541670015,-8.8366400511694865E-2,null,28835.736299197,29328.573882194003,-492.83758299700276,-1.6804007756279438E-2,null,null,28835.736299197,29328.573882194003,27027.282004997,29223.798751974005,31630.839753364002,null,null,31630.839753364002,31198.799844148005]
[]
["Business outlets",23,23,0,0,null,23,23,0,0,null,null,23,23,23,23,23,null,null,23,20]
["Number of employees",3536,3343,193,5.7732575530960117E-2,null,3536,3485,51,1.4634146341463428E-2,null,null,3536,3485,3440,3397,3343,null,null,3343,3271]
["Number of customers in million1",2.452798,2.3847900000000002,6.8007999999999846E-2,2.851739566167244E-2,null,2.452798,2.4718840000000002,-1.9086000000000158E-2,-7.7212361097851456E-3,null,null,2.452798,2.4718840000000002,2.4416129999999998,2.4215720000000003,2.3847900000000002,null,null,2.3847900000000002,2.4111089999999997]
[]
["1 Adaptation of prior years‘ figures due to the inclusion of customers from the credit card business"]