Download - IR Tab Q114 EG Fin Data Sheets
Key financial data & ratios for Erste Group
in EUR million Q1 13 Q2 13
Income statement
in EUR million
Net interest income 1,196.7 1,143.3
Net fee and commission income 447.4 446.8
Net trading and fair value result 30.7 72.8
Operating income 1,748.0 1,734.9
Operating expenses -989.9 -970.3
Operating result 758.1 764.6
Net impairment loss on non-fair value financial assets -371.8 -412.6
Post-provision operating result 386.3 352.1
Other operating result -98.2 -279.4
Levies on banking activities -71.6 -113.1
Pre-tax result from continuing operations 310.1 68.4
Taxes on income -66.4 91.4
Net result for the period 243.7 159.8
Net result attributable to non-controlling interests 67.0 34.2
Net result attributable to owners of the parent 176.6 125.5
Earnings per share 0.36 0.23
Cash earnings per share 0.39 0.32
Return on equity 5.5% 3.9%
Cash return on equity 5.9% 5.0%
Net interest margin (on average interest-bearing assets) 2.71% 2.61%
Cost/income ratio 56.6% 55.9%
Provisioning ratio (on average gross customer loans) 1.13% 1.27%
Tax rate 21.4% -133.7%
Balance sheet
in EUR million Mar 13 Jun 13
Cash and cash balances 8,453 10,578
Trading, financial assets 56,389 54,964
Loans and receivables to credit institutions 10,896 9,150
Loans and receivables to customers 122,703 121,999
Intangible assets 2,858 2,807
Miscellaneous assets 11,911 10,932
Total assets 213,211 210,431
Financial liabilities - held for trading 8,845 7,533
Deposits from banks 21,359 22,004
Deposits from customers 123,057 122,470
Debt securities issued 34,471 33,653
Miscellaneous liabilities 9,041 8,533
Total equity 16,438 16,238
Total liabilities and equity 213,211 210,431
Loan/deposit ratio 99.7% 99.6%
NPL ratio 9.4% 9.7%
NPL coverage (exc collateral) 62.4% 61.7%
CET 1 ratio (phased-in) 11.2% 11.8%
Ratings
Fitch
Long-term A A
Short-term F1 F1
Outlook Stable Stable
Moody´s
Long-term A3 A3
Short-term P-2 P-2
Outlook Negative Negative
Standard & Poor´s
Long-term A A
Short-term A-1 A-1
Outlook Negative Negative
Q3 13 Q4 13 Q1 14
1,175.9 1,169.2 1,123.9
449.5 462.8 452.1
80.7 34.6 50.4
1,780.4 1,731.8 1,690.6
-964.2 -971.7 -963.3
816.2 760.1 727.3
-460.7 -529.4 -364.2
355.5 230.8 363.0
-142.6 -488.4 -119.8
-62.4 -63.9 -99.8
219.6 -219.6 239.5
-56.0 -147.5 -99.7
163.5 -367.1 139.8
35.2 3.2 36.5
128.4 -370.3 103.3
0.26 -0.91 0.24
0.35 -0.17 0.27
4.2% -12.8% 3.6%
2.6% -0.1% 4.1%
2.71% 2.73% 2.62%
54.2% 56.1% 57.0%
1.42% 1.65% 1.14%
25.5% -67.2% 41.6%
Sep 13 Dec 13 Mar 14
11,852 9,301 10,373
53,554 51,269 52,270
7,757 8,377 9,962
121,656 119,945 119,805
2,766 2,441 2,408
10,500 8,786 9,085
208,084 200,118 203,903
7,154 6,475 7,042
23,163 17,299 24,421
122,010 122,415 119,445
32,303 33,124 31,043
8,159 6,020 6,883
15,294 14,785 15,069
208,084 200,118 203,903
99.7% 98.0% 100.3%
9.6% 9.6% 9.6%
63.0% 63.1% 62.6%
10.9% 11.4% 11.1%
A A A
F1 F1 F1
Stable Stable Negative
A3 A3 A3
P-2 P-2 P-2
Negative Negative Negative
A A A
A-1 A-1 A-1
Negative Negative Negative
Consolidated financial statements (income statement and related notes)
in EUR million
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Statement of comprehensive income
Net result for the period
Other comprehensive income
Items that may not be reclassified to profit or loss
Remeasurement of net liability of defined pension plans
Deferred taxes relating to items that may not be reclassified
Total
Items that may be reclassified to profit or loss
Available for sale reserve (including currency translation)
Gain/loss during the period
Reclassification adjustments
Cash flow hedge reserve (including currency translation)
Gain/loss during the period
Reclassification adjustments
Currency translation
Gain/loss during the period
Reclassification adjustments
Deferred taxes relating to items that may be reclassified
Gain/loss during the period
Reclassification adjustments
Total
Total other comprehensive income
Total comprehensive income
Total comprehensive income attributable to non-controlling interests
Total comprehensive income attributable to owners of the parent
Earnings per share
Net result attributable to owners of the parent
Dividend on participation capital
Net result for the period attributable to owners of the parent after deduction of the participation capital dividend
Weighted average number of outstanding shares
Earnings per share
Weighted average diluted number of oustanding shares
Diluted earnings per share
Changes in the number of shares and participation capital securities
Number of shares
Shares outstanding at the start of the period
Acquisition of treasury shares
Disposal of treasury shares
Capital increases due to ESOP and MSOP
Capital increases
Shares outstanding at the end of the period
Treasury shares
Number of shares at the end of the period
Weighted average number of outstanding shares
Dilution due to MSOP/ESOP
Dilution due to options
Weighted average diluted number of oustanding shares
Number of participation capital securities
Participation capital securities outstanding at the start of the period
Acquisition of own participation capital securities
Disposal of own participation capital securities
Participation capital securities outstanding at the end of the period
Own participation capital securities
Number of participation capital securities at the end of the period
Cash flow statement
Cash and cash equivalents at the end of the previous year
Cash flow from operating activities
Cash flow from investing activities
Cash flow from financing activities
Effect of currency translation
Cash and cash equivalents at the end of period
Net interest income
Interest income
Financial assets - held for trading
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables
Derivatives - hedge accounting, interest rate risk
Other assets
Total interest income
Interest expenses
Financial liabilities - held for trading
Financial liabilities - at fair value through profit or loss
Financial liabilities measured at amortised cost
Derivatives - hedge accounting, interest rate risk
Other liabilities
Total interest expense
Net interest income
Net fee and commission income
Securities
Securities - Own issues
Securities - Transfer orders
Securities - Other
Clearing and settlement
Asset management
Custody
Fiduciary transactions
Payment services
Payment services - Card business
Payment services - Others
Customer resources distributed but not managed
Collective investment
Insurance products
Building society brokerage
Foreign exchange transactions
Other
Structured finance
Servicing fees from securitization activities
Lending business
Guarantees given, guarantees received
Loan commitments given, loan commitments received
Other lending business
Other
Net fee and commission income
Dividend income
Financial assets - held for trading
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Dividend income from equity investments
Dividend income
Net trading and fair value result
Net trading result
Securities and derivatives trading
Foreign exchange transactions
Result from financial assets and liabilities designated at fair value through profit or loss
Result from measurement/sale of financial assets designated at fair value through profit or loss
Result from measurement/sale of financial liabilities designated at fair value through profit or loss
Net trading and fair value result
Rental income from investment properties & other operating leases
Investment properties
Operating leases
Rental income from investment properties & other operating leases
General administrative expenses
Personnel expenses
Wages and salaries
Compulsory social security
Long-term employee provisions
Other personnel expenses
Other administrative expenses
Deposit insurance contribution
IT expenses
Expenses for office space
Office operating expenses
Advertising/marketing
Legal and consulting costs
Sundry administrative expenses
Depreciation and amortisation
Software and other intangible assets
Owner occupied real estate
Investment properties
Amortisation of customer relationships
Office furniture and equipment and sundry property and equipment
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Result from sale of financial assets available for sale
Result from sale of financial assets held to maturity
Result from sale of loans and receivables
Result from repurchase of liabilities measured at amortised cost
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Financial assets - available for sale
Loans and receivables
Allocation to risk provisions for loans and receivables
Release of risk provisions for loans and receivables
Direct write-offs of loans and receivables
Recoveries on written-off loans and receivables
Financial assets - held to maturity
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Result from real estate/movables/properties/software
Allocation to/release of other risk provisions
Allocation to/release of provisions for commitments and guarantees given
Levies on banking activities
Banking tax
Financial transaction tax
Other taxes
Impairment of goodwill
Result from other operating expenses/income
Other operating result
Q1 13 Q2 13 Q3 13 Q4 13 Q1 14
1,196.7 1,143.3 1,175.9 1,169.2 1,123.9
447.4 446.8 449.5 462.8 452.1
26.8 21.2 20.2 21.6 14.6
30.7 72.8 80.7 34.6 50.4
2.8 9.4 7.5 2.1 3.1
43.7 41.5 46.6 41.6 46.5
-564.6 -561.9 -552.5 -553.4 -545.9
-296.7 -280.3 -283.9 -285.1 -292.4
-128.7 -128.1 -127.8 -133.1 -125.0
22.0 -4.3 6.7 38.1 -3.7
-371.8 -412.6 -460.7 -529.4 -364.2
-98.2 -279.4 -142.6 -488.4 -119.8
-71.6 -113.1 -62.4 -63.9 -99.8
310.1 68.4 219.6 -219.6 239.5
-66.4 91.4 -56.0 -147.5 -99.7
243.7 159.8 163.5 -367.1 139.8
0.0 0.0 0.0 0.0 0.0
243.7 159.8 163.5 -367.1 139.8
67.0 34.2 35.2 3.2 36.5
176.6 125.5 128.4 -370.3 103.3
243.7 159.8 163.5 -367.1 139.8
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 -6.7 0.0
0.0 0.0 0.0 2.3 0.0
0.0 0.0 0.0 -4.5 0.0
6.7 -109.3 28.8 -39.4 131.3
12.6 -116.1 34.1 -23.3 140.5
-6.0 6.8 -5.3 -16.1 -9.3
-7.3 -61.0 -1.7 -1.9 22.7
-8.1 -64.4 1.7 -1.6 27.9
0.8 3.4 -3.4 -0.4 -5.2
-131.9 68.4 -0.2 -177.7 -14.0
-131.9 -11.4 -0.2 -177.7 -14.0
0.0 79.8 0.0 0.0 0.0
8.7 45.1 -2.3 -6.6 -51.3
9.0 46.2 -4.8 -9.4 -53.7
-0.4 -1.0 2.5 2.9 2.4
-123.8 -56.8 24.6 -225.6 88.8
-123.8 -56.8 24.6 -230.0 88.8
119.8 103.0 188.1 -597.1 228.6
47.4 -40.4 44.1 -33.7 42.1
72.4 143.4 144.1 -563.4 186.5
103.3
0.0
103.3
427,568,187
0.24
427,568,187
0.24
415,076,934
-5,713,057
7,627,638
0
0
416,991,515
12,808,485
429,800,000
427,568,187
0
0
427,568,187
0
0
0
0
0
0
0
9,740.0 0.0 0.0 0.0 9,300.7
-1,214.6 2,383.1 2,024.8 -2,992.9 2,741.9
-114.0 292.0 205.0 512.5 415.5
61.0 -537.0 -947.0 -17.0 -2,081.0
-19.0 -13.0 -9.0 -54.2 -4.4
8,453.4 2,125.1 1,273.8 -2,551.6 10,372.7
168.8 73.1 95.9 184.1 115.5
6.8 4.5 -3.2 0.6 1.0
153.0 125.7 112.3 118.6 112.8
1,380.9 1,314.8 1,313.8 1,259.9 1,232.3
174.1 185.7 162.0 164.5 153.7
-1.0 -10.8 -11.0 -23.0 19.3
8.3 8.6 18.3 -1.0 31.5
1,890.9 1,701.7 1,688.1 1,703.7 1,666.2
-53.9 25.4 -3.1 -128.1 -33.2
-14.7 -15.8 -14.4 -14.8 -13.1
-712.6 -657.5 -601.8 -574.6 -553.8
89.3 90.9 109.6 179.5 82.7
-2.2 -1.5 -2.6 3.5 -25.0
-694.2 -558.4 -512.2 -534.5 -542.3
1,196.7 1,143.3 1,175.9 1,169.2 1,123.9
59.1 52.2 86.4 45.5 76.2
2.2 6.7 8.0 -1.4 2.6
34.3 5.5 43.5 31.2 42.4
22.6 40.0 34.9 15.7 31.2
-1.6 -1.6 -1.2 7.9 15.0
29.0 23.2 3.0 24.3 28.6
10.5 21.2 15.5 49.5 11.9
0.1 0.0 0.8 0.3 0.6
210.5 227.9 232.3 232.8 200.3
47.4 65.6 47.4 50.3 39.0
163.1 162.3 184.9 182.6 161.4
51.3 37.9 30.2 38.5 44.0
3.1 3.2 0.7 0.5 3.4
25.0 22.5 19.4 32.8 27.6
11.0 5.8 7.3 -1.2 6.3
5.7 5.4 6.2 5.8 4.8
6.5 1.0 -3.4 0.6 1.9
0.0 0.0 0.0 0.0 0.0
0.0 0.2 0.1 1.2 0.0
66.4 63.7 58.9 70.0 61.0
7.3 9.1 5.0 4.5 9.5
12.3 12.7 16.3 24.2 21.8
46.8 41.9 37.6 41.3 29.7
22.0 22.1 23.5 -7.1 14.6
447.3 446.8 449.5 462.8 452.2
0.1 1.4 1.3 2.3 0.3
3.0 0.6 0.9 0.4 1.3
21.5 18.3 13.7 13.2 10.0
2.2 0.8 4.3 5.8 3.0
26.8 21.1 20.2 21.6 14.6
63.3 55.2 66.9 46.5 76.0
15.7 44.2 -11.9 -50.6 60.1
47.6 11.0 78.8 97.1 15.9
-32.5 17.6 13.8 -12.0 -25.6
3.9 -8.5 7.5 7.7 20.2
-36.4 26.1 6.3 -19.6 -45.8
30.8 72.8 80.6 34.6 50.4
20.0 19.4 19.7 20.2 20.9
23.7 22.1 26.9 21.3 25.6
43.7 41.5 46.6 41.5 46.5
-564.6 -561.9 -552.5 -553.4 -545.9
-415.1 -408.1 -412.4 -408.0 -402.5
-123.2 -122.7 -115.3 -117.0 -114.7
-12.8 -16.5 -14.1 -4.6 -20.2
-13.5 -14.6 -10.7 -23.8 -8.4
-296.7 -280.3 -283.9 -285.1 -292.4
-19.0 -19.7 -19.3 -19.2 -22.9
-74.4 -64.1 -63.2 -57.2 -76.7
-70.9 -61.9 -66.8 -56.8 -64.6
-43.2 -38.8 -31.3 -25.4 -34.5
-34.2 -37.0 -41.7 -51.1 -36.2
-27.5 -29.7 -36.2 -44.8 -26.8
-27.5 -29.1 -25.4 -30.6 -30.7
-128.7 -128.0 -127.9 -133.1 -125.0
-38.0 -35.8 -34.4 -38.6 -38.2
-20.3 -23.4 -19.0 -21.4 -19.3
-23.4 -22.5 -28.5 -25.8 -26.5
-16.4 -16.3 -16.3 -16.2 -15.9
-30.6 -30.0 -29.6 -31.1 -25.1
-990.0 -970.2 -964.2 -971.7 -963.3
11.4 -6.5 4.8 39.3 -4.7
6.7 1.4 0.3 -1.2 3.0
0.0 0.0 0.0 0.8 -0.6
3.8 0.9 1.6 -0.8 -1.5
22.0 -4.4 6.8 38.0 -3.7
3.0 0.3 -23.9 -21.6 1.5
-374.7 -407.4 -435.3 -509.1 -366.3
-755.6 -775.5 -725.9 -1,064.0 -838.6
386.7 404.2 336.2 606.5 502.9
-17.3 -54.2 -72.6 -113.2 -44.1
11.5 18.1 27.0 61.6 13.4
-0.1 -5.4 -1.5 1.3 0.6
-371.8 -412.5 -460.7 -529.4 -364.2
-10.5 -7.2 -44.4 2.9 -3.1
17.1 5.5 -24.4 -38.5 -2.0
-27.5 -22.2 7.2 5.6 -28.2
-71.6 -113.1 -62.4 -63.9 -99.8
-64.3 -89.0 -51.8 -51.5 -88.6
-7.3 -24.1 -10.6 -12.4 -11.1
-4.3 -8.1 -4.4 -1.9 -4.4
0.0 -21.9 -30.3 -330.8 0.0
-1.4 -112.4 16.2 -61.7 17.6
-98.2 -279.4 -142.5 -488.5 -119.8
Consolidated financial statements (balance sheet and related notes)
in EUR million
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities issued
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Total equity
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Changes in treasury shares
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Dividends paid
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Capital increases
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Participation capital
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Changes in scope of consolidation
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Other changes
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Acquisition of non-controlling interest
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Total comprehensive income
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Net result for the period
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Other comprehensive income
Subscribed capital
Additional paid-in-capital
Retained earnings
Cash flow hedge reserve
Available for sale reserve
Currency translation
Remeasurement of net liability of defined pension plans
Deferred tax
Equity attributable to owners of the parent
Equity attributable to non-controlling interests
Total equity
Cash and cash balances
Cash on hand
Cash balances at central banks
Other demand deposits
Cash and cash balances
Financial assets - held for trading
Derivatives
Notional value
Derivatives of the trading book
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Derivatives of the banking book
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Total
Positive fair value
Derivatives of the trading book
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Derivatives of the banking book
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Total
Negative fair value
Derivatives of the trading book
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Derivatives of the banking book
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Total
Other trading assets
Equity instruments
Debt securities
General governments
Credit institutions
Other financial corporations
Non-financial corporations
Loans and advances
Other trading assets
Financial assets - at fair value through profit or loss
Equity instruments
Debt securities
General governments
Credit institutions
Other financial corporations
Non-financial corporations
Loans and advances
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Equity instruments
Debt securities
General governments
Credit institutions
Other financial corporations
Non-financial corporations
Loans and advances
Financial assets - available for sale
Loans and receivables to credit institutions
Gross carrying amount
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Net carrying amount
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Impairments on loans and receivables to credit institutions
Closing balance
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Allocations
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Use
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Releases
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Interest income from impaired loans
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Exchange-rate and other changes (+/-)
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Amounts written off
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Recoveries of amounts previously written off
Specific allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Collective allowances
Debt securities
Central banks
Credit institutions
Loans and receivables
Central banks
Credit institutions
Total
Loans and receivables to customers
Gross carrying amount
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Net carrying amount
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Impairments on loans and receivables to customers
Closing balance
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Allocations
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Use
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Releases
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Interest income from impaired loans
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Exchange-rate and other changes (+/-)
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Amounts written off
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Recoveries of amounts previously written off
Specific allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Collective allowances
Debt securities with customers
General governments
Other financial corporations
Non-financial corporations
Loans and advances to customers
General governments
Other financial corporations
Non-financial corporations
Households
Total
Financial assets - held to maturity
Gross carrying amount
General governments
Credit institutions
Other financial corporations
Non-financial corporations
Total
0
Collective allowances
General governments
Credit institutions
Other financial corporations
Non-financial corporations
Total
0
Net carrying amount
General governments
Credit institutions
Other financial corporations
Non-financial corporations
Total
0
Derivatives - hedge accounting
Notional value
Fair value hedges
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Cash flow hedges
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Total
Positive fair value
Fair value hedges
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Cash flow hedges
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Total
Negative fair value
Fair value hedges
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Cash flow hedges
Interest rate instruments and related derivatives
Equity instruments and related derivatives
Foreign exchange trading and related derivatives
Credit risk instruments and related derivatives
Commodities and related derivatives
Other
Total
Other assets
Receivables from non-banking activities
Prepayments and accrued income
Inventories
Sundry assets
Other assets
Other trading liabilities
Short positions
Equity instruments
Debt securities
Debt securities issued
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Debt securities issued - fair value
Subordinated liabilities
Subordinated issues and deposits
Supplementary capital
Hybrid issues
Other debt securities issued
Bonds
Certificates of deposit
Other certificates of deposits/name certificates
Mortgage covered bonds
Public sector covered bonds
Other
Debt securities issued - fair value
Financial liabilities measured at amortised cost
Deposits from banks
Overnight deposits
Term deposits
Repurchase agreements
Deposits from banks
Deposits from customers
Overnight deposits
Savings deposits
General governments
Other financial corporations
Non-financial corporations
Households
Non-savings deposits
General governments
Other financial corporations
Non-financial corporations
Households
Term deposits
Deposits with agreed maturity
Savings deposits
General governments
Other financial corporations
Non-financial corporations
Households
Non-savings deposits
General governments
Other financial corporations
Non-financial corporations
Households
Deposits redeemable at notice
General governments
Other financial corporations
Non-financial corporations
Households
Repurchase agreements
General governments
Other financial corporations
Non-financial corporations
Households
Deposits from customers
General governments
Other financial corporations
Non-financial corporations
Households
Debt securities issued - at amortised cost
Subordinated liabilities
Subordinated issues and deposits
Supplementary capital
Hybrid issues
Other debt securities issued
Bonds
Certificates of deposit
Other certificates of deposits/name certificates
Mortgage covered bonds
Public sector covered bonds
Other
Debt securities issued - at amortised cost
Provisions
Long-term employee provisions
Pending legal issues and tax litigation
Commitments and guarantees given
Provisions for guarantees - off balance sheet (defaulted customers)
Provisions for guarantees - off balance sheet (non-defaulted customers)
Other provisions
Provisions for onerous contracts
Other
Provisions
Other liabilities
Liabilities from non-banking activities
Accruals and deferred expenses
Sundry liabilities
Other liabilities
Fair value hierarchy
Quoted market prices in active markets (Level 1)
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Marked to model based on observable market data (Level 2)
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Marked to model based on non-observable inputs (Level 3)
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Total
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Movement in Level 3 financial instruments, measured at fair value
Closing balance
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Gain/loss in profit or loss
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Gain/loss in other comprehensive income
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Purchases
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Sales/redemption
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Additions to group
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Disposals
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Transfer into Level 3
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Transfer out of Level 3
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Currency translation
Assets
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Derivatives - hedge accounting
Total assets
Liabilities
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from customers
Debt securities issued
Other financial liabilities
Derivatives - hedge accounting
Total liabilities
Fair values of financial instruments not measured at fair value
Carrying amount
Assets
Cash and cash balances
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities issued
Other financial liabilities
Financial guarantees and commitments
Financial guarantees
Irrevocable commitments
Fair value
Assets
Cash and cash balances
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities issued
Other financial liabilities
Financial guarantees and commitments
Financial guarantees
Irrevocable commitments
Valuation parameters for Level 3 financial instruments
Positive fair value changes when applying alternative valuation parameters
Derivatives
Debt securities
Equity instruments
Total
Negative fair value changes when applying alternative valuation parameters
Derivatives
Debt securities
Equity instruments
Total
Headcount
Domestic
Erste Group, EB Oesterreich and subsidiaries
Haftungsverbund savings banks
Abroad
Česká spořitelna Group
Banca Comercială Română Group
Slovenská sporiteľňa Group
Erste Bank Hungary Group
Erste Bank Croatia Group
Erste Bank Serbia
Erste Bank Ukraine
Savings banks subsidiaries
Other subsidiaries and foreign branch offices
Total
Own funds pursuant to Basel 3, Phased-in
Capital structure pursuant to EU regulation 575/2013 (CRR)
Common equity tier 1 capital (CET1)
Capital instruments eligible as CET1 capital
(-) Own CET1 instruments
Retained earnings
Accumulated other comprehensive income
Minority interest given recognition in CET1 capital
Transitional adjustments due to additional minority interests
Prudential filter: cash flow hedge reserve
Prudential filter: cumulative gains and losses due to changes in own credit risk on fair valued liabilities
Prudential filter: fair value gains and losses arising from the institution's own credit risk related to derivative liabilities
(-) Value adjustments due to the requirements for prudent valuation
(-) Regulatory adjustments relating to unrealised gains and losses
(-) Goodwill
(-) Other intangible assets
(-) Deferred tax assets dependent upon future profitability and not temporary differences net of associated tax liabilities
(-) IRB shortfall of credit risk adjustments to expected losses
Other transitional adjustments CET1
(-) Excess of deduction from AT1 items over AT1 capital
Common equity tier 1 capital (CET1)
Additional tier 1 capital (AT1)
Capital instruments eligible as AT1 capital
(-) Own AT1 instruments
Instruments issued by subsidiaries that are given recognition in AT1 capital
Transitional adjustments due to grandfathered AT1 capital instruments
(-) AT1 instruments of financial sector entities where the institution has a significant investment
(-) Excess of deduction from T2 items over T2 Capital
Other transitional adjustments AT1
(-) Excess of deduction from AT1 items over AT1 capital
Additional tier 1 capital (AT1)
Tier 1 capital - total of common equity tier 1 (CET1) and additional tier 1 (AT1) capital
Tier 2 capital (T2)
Capital instruments and subordinated loans eligible as T2 capital
(-) Own T2 instruments
Instruments issued by subsidiaries that are given recognition in T2 capital
Transitional adjustments due to grandfathered T2 capital instruments and subordinated loans
IRB excess of provisions over expected losses eligible
Standardised approach general credit risk adjustments
Other transitional adjustments to tier 2 capital
(-) T2 instruments of financial sector entities where the institution has a significant investment
Items deductible due to transitional provisions in T2 capital
Tier 2 capital (T2)
Short-term subordinated capital (tier-3)
Total own funds
Total risk exposure amount
CET1 capital ratio
Tier 1 capital ratio
Total capital ratio
Own funds pursuant to Basel 3, Final
Capital structure pursuant to EU regulation 575/2013 (CRR)
Common equity tier 1 capital (CET1)
Capital instruments eligible as CET1 capital
(-) Own CET1 instruments
Retained earnings
Accumulated other comprehensive income
Minority interest given recognition in CET1 capital
Transitional adjustments due to additional minority interests
Prudential filter: cash flow hedge reserve
Prudential filter: cumulative gains and losses due to changes in own credit risk on fair valued liabilities
Prudential filter: fair value gains and losses arising from the institution's own credit risk related to derivative liabilities
(-) Value adjustments due to the requirements for prudent valuation
(-) Regulatory adjustments relating to unrealised gains and losses
(-) Goodwill
(-) Other intangible assets
(-) Deferred tax assets dependent upon future profitability and not temporary differences net of associated tax liabilities
(-) IRB shortfall of credit risk adjustments to expected losses
Other transitional adjustments CET1
(-) Excess of deduction from AT1 items over AT1 capital
Common equity tier 1 capital (CET1)
Additional tier 1 capital (AT1)
Capital instruments eligible as AT1 capital
(-) Own AT1 instruments
Instruments issued by subsidiaries that are given recognition in AT1 capital
Transitional adjustments due to grandfathered AT1 capital instruments
(-) AT1 instruments of financial sector entities where the institution has a significant investment
(-) Excess of deduction from T2 items over T2 Capital
Other transitional adjustments AT1
(-) Excess of deduction from AT1 items over AT1 capital
Additional tier 1 capital (AT1)
Tier 1 capital - total of common equity tier 1 (CET1) and additional tier 1 (AT1) capital
Tier 2 capital (T2)
Capital instruments and subordinated loans eligible as T2 capital
(-) Own T2 instruments
Instruments issued by subsidiaries that are given recognition in T2 capital
Transitional adjustments due to grandfathered T2 capital instruments and subordinated loans
IRB excess of provisions over expected losses eligible
Standardised approach general credit risk adjustments
Other transitional adjustments to tier 2 capital
(-) T2 instruments of financial sector entities where the institution has a significant investment
Items deductible due to transitional provisions in T2 capital
Tier 2 capital (T2)
Short-term subordinated capital (tier-3)
Total own funds
Total risk exposure amount
CET1 capital ratio
Tier 1 capital ratio
Total capital ratio
Calculation base/total risk
Risk structure pursuant to EU regulation 575/2013 (CRR)
Total risk exposure amount
Risk-weighted assets (credit risk)
Standardised approach
IRB approach
Settlement risk
Trading book, foreign FX risk and commodity risk
Operational risk
Exposure for CVA
Other exposure amounts (including Basel 1 floor)
Capital requirement
Risk structure pursuant to EU regulation 575/2013 (CRR)
Total risk exposure amount
Risk-weighted assets (credit risk)
Standardised approach
IRB approach
Settlement risk
Trading book, foreign FX risk and commodity risk
Operational risk
Exposure for CVA
Other exposure amounts (including Basel 1 floor)
Q1 13 Q2 13 Q3 13 Q4 13 Q1 14
8,453.4 10,578.5 11,852.3 9,300.7 10,372.7
15,437.8 15,258.3 14,218.6 12,283.0 13,610.4
8,926.2 7,506.9 6,929.6 6,342.2 6,482.4
6,511.6 7,751.4 7,289.0 5,940.8 7,128.0
656.8 641.7 575.1 529.0 511.8
21,269.5 20,491.8 20,569.4 20,677.6 20,956.4
19,025.3 18,572.2 18,190.5 17,779.0 17,191.4
10,896.5 9,150.2 7,756.6 8,376.7 9,962.1
122,702.9 121,998.6 121,655.6 119,944.5 119,805.4
2,503.2 1,849.7 1,788.1 1,943.6 2,212.2
0.0 0.0 0.0 0.0 0.0
2,409.7 2,364.4 2,401.7 2,319.5 2,329.9
1,011.1 941.6 940.6 950.6 1,034.7
2,858.2 2,806.9 2,766.0 2,440.8 2,407.9
211.1 219.8 217.4 207.6 226.5
133.1 92.7 97.9 100.4 119.0
679.5 811.6 852.3 719.0 672.0
618.0 94.9 105.8 74.8 82.0
4,345.0 4,557.9 4,096.0 2,470.9 2,408.6
213,211.1 210,430.7 208,083.9 200,117.8 203,902.8
8,844.6 7,532.7 7,154.1 6,474.7 7,042.3
8,476.2 7,043.5 6,705.8 6,086.9 6,340.6
368.4 489.2 448.3 387.8 701.7
2,553.1 2,418.3 2,376.6 2,339.2 2,275.3
0.0 0.0 0.0 0.0 0.0
591.8 527.0 498.2 460.0 448.9
1,961.3 1,891.3 1,878.4 1,879.2 1,826.4
0.0 0.0 0.0 0.0 0.0
176,637.5 176,007.5 175,397.4 170,785.6 172,918.4
21,359.4 22,003.6 23,163.3 17,299.5 24,420.7
122,465.2 121,942.7 121,511.6 121,955.1 118,996.1
32,509.5 31,761.9 30,425.0 31,244.7 29,216.5
303.4 299.3 297.5 286.3 285.1
839.4 618.7 614.7 644.3 681.2
1,428.6 905.5 870.4 733.7 909.6
1,494.1 1,466.1 1,474.5 1,447.6 1,491.5
72.9 84.4 89.3 84.5 82.7
292.4 208.2 200.2 169.4 181.8
342.7 0.0 0.0 0.0 0.0
4,267.7 4,951.1 4,612.9 2,653.7 3,250.9
16,438.2 16,238.3 15,293.9 14,785.0 15,069.1
3,535.7 3,465.3 3,500.5 3,466.0 3,542.5
12,902.6 12,772.9 11,793.3 11,319.0 11,526.6
213,211.1 210,430.7 208,083.9 200,117.8 203,902.8
2,547 2,546 860 860 860
6,472 6,472 7,039 7,037 7,037
4,556 4,408 4,532 4,256 4,380
34 -24 -31 -33 -10
229 239 267 259 369
-673 -619 -625 -785 -802
-268 -268 -268 -277 -277
6 27 24 2 -30
12,901 12,781 11,800 11,319 11,526
3,535 3,453 3,491 3,466 3,543
16,437 16,234 15,290 14,785 15,069
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
-16 15 16 100 35
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
-16 15 16 100 35
0 0 0 0 0
-16 15 16 100 35
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 -299 -299 -299 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 -299 -299 -299 0
-3 -33 -41 -44 -5
-3 -332 -340 -343 -5
0 0 0 0 0
0 0 70 70 0
0 0 567 571 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 638 642 0
0 0 0 0 0
0 0 638 642 0
0 0 0 0 0
0 0 -1,757 -1,757 0
0 0 0 -7 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 -1,757 -1,764 0
0 0 0 0 0
0 0 -1,757 -1,764 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 -4 -11 -2 -16
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 -4 -11 -2 -16
0 0 0 1 40
0 -4 -11 0 24
0 0 0 0 0
0 -1 -1 0 0
0 0 0 0 0
0 1 1 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
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0 0 0 0 287
0 0 0 0 0
0 0 0 0 0
0 0 0 0 -2,043
0 0 0 0 1,756
375 375 375 361 0
12,184 12,302 11,125 11,560 11,342
0
0 0 0 0 3,401
0 0 0 0 -7
0 0 0 0 740
0 0 0 0 0
0 0 0 0 390
0 0 0 0 134
0 0 0 0 -126
0 0 0 0 0
0 0 0 0 0
4,218 4,186 4,286 4,206 4,531
299 278 243 228 0
16,701 16,766 15,654 15,994 15,874
8,405 8,072 7,920 7,832 8,175
11.2% 11.8% 10.9% 11.4% 11.1%
11.6% 12.2% 11.2% 11.8% 11.1%
15.9% 16.6% 15.8% 16.3% 15.5%
7,247
-85
4,802
-650
2,555
0
-9
-54
-15
-145
-144
-1,156
-1,240
-202
-316
0
0
10,588
0
0
0
0
0
0
0
0
0
0
10,588
0
3,329
-7
454
0
390
134
0
0
0
4,300
0
14,888
8,175
10.4%
10.4%
14.6%
105,066 100,899 98,996 97,901 102,191
90,072 87,318 86,634 84,857 86,334
21,675 20,245 20,159 19,590 17,982
68,397 67,073 66,475 65,267 68,351
0 0 0 0 0
3,745 3,473 3,036 2,852 3,339
11,249 10,108 9,326 10,192 10,978
0 0 0 0 1,541
0 0 0 0 0
8,405 8,072 7,920 7,832 8,175
7,206 6,985 6,931 6,789 6,907
1,734 1,620 1,613 1,567 1,439
5,472 5,366 5,318 5,221 5,468
0 0 0 0 0
300 278 243 228 267
900 809 746 815 878
0 0 0 0 123
0 0 0 0 0
Business line segmentation
in EUR million
Total group
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Retail
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
SME
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
ALM & LCC
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Savings Banks
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Total corporate
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Commercial Real Estate
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Other Corporate
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Group Markets
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Group Corporate Center
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Intragroup elimination
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Q1 13 Q2 13 Q3 13 Q4 13 Q1 14
1,196.7 1,143.3 1,175.9 1,169.2 1,123.9
447.4 446.8 449.5 462.8 452.1
26.8 21.2 20.2 21.6 14.6
30.7 72.8 80.7 34.6 50.4
2.8 9.4 7.5 2.1 3.1
43.7 41.5 46.6 41.6 46.5
-989.9 -970.3 -964.2 -971.7 -963.3
22.0 -4.3 6.7 38.1 -3.7
-371.8 -412.6 -460.7 -529.4 -364.2
-98.2 -279.4 -142.5 -488.5 -119.8
-71.6 -113.1 -62.4 -64.0 -99.8
310.1 68.4 219.6 -219.6 239.5
-66.4 91.4 -56.0 -147.5 -99.7
243.7 159.8 163.6 -367.1 139.8
0.0 0.0 0.0 0.0 0.0
243.7 159.8 163.6 -367.1 139.8
67.0 34.2 35.2 3.2 36.5
176.6 125.5 128.4 -370.3 103.3
1,748.0 1,734.9 1,780.4 1,731.8 1,690.6
-989.9 -970.3 -964.2 -971.7 -963.3
758.1 764.6 816.2 760.1 727.3
90,072.7 87,317.2 86,632.6 84,858.0 87,874.3
16,512.0 16,526.5 15,814.5 15,164.2 14,977.2
56.6% 55.9% 54.2% 56.1% 57.0%
6.0% 3.9% 4.1% -9.6% 3.8%
213,211.1 210,430.7 208,083.9 200,117.8 203,902.8
196,772.8 194,192.5 192,790.1 185,332.8 188,833.7
555.5 554.7 559.2 547.4 537.7
259.1 264.3 262.0 268.1 264.8
1.2 -0.8 0.5 1.2 0.5
13.1 15.7 17.2 16.2 13.2
1.9 5.1 3.3 1.0 2.2
4.0 3.5 3.9 3.8 6.0
-464.8 -468.8 -460.3 -445.3 -433.6
0.0 -0.2 0.2 0.1 0.0
-131.5 -111.2 -105.3 -118.0 -118.7
-12.0 -40.8 -17.9 -22.4 -19.4
-12.7 -24.0 -14.9 -16.1 -16.2
226.4 221.4 262.7 252.1 252.7
-50.5 -48.6 -55.8 -45.6 -52.7
175.9 172.9 206.9 206.5 199.9
0.0 0.0 0.0 0.0 0.0
175.9 172.9 206.9 206.5 199.9
6.6 5.3 7.2 4.0 7.2
169.3 167.5 199.8 202.4 192.7
834.7 842.4 846.1 837.8 824.3
-464.8 -468.8 -460.3 -445.3 -433.6
369.9 373.6 385.8 392.5 390.7
18,633.3 18,549.3 18,452.2 17,764.7 17,738.3
2,092.8 2,116.8 1,917.7 2,045.1 2,072.9
55.7% 55.6% 54.4% 53.2% 52.6%
34.1% 32.8% 42.8% 40.1% 39.1%
53,174.9 53,192.7 53,609.7 52,882.0 50,735.5
70,706.4 70,564.1 70,488.6 69,244.6 67,664.7
164.4 170.7 170.7 165.2 144.4
52.6 59.1 58.3 61.2 47.3
2.3 -0.3 0.0 0.8 1.8
8.3 6.5 7.4 6.9 5.7
0.0 0.0 0.0 0.0 0.0
0.5 1.1 1.0 1.3 7.6
-73.7 -72.1 -73.0 -69.2 -68.5
4.5 1.3 0.0 0.0 3.2
-96.1 -138.6 -99.7 -120.6 -59.3
-6.3 -13.8 -5.1 -14.7 -2.0
-2.2 -7.3 -3.1 -4.1 -2.6
56.5 13.8 59.6 30.8 80.1
-9.9 -12.1 -10.1 -16.0 -17.6
46.6 1.8 49.4 14.8 62.5
0.0 0.0 0.0 0.0 0.0
46.6 1.8 49.4 14.8 62.5
-1.5 3.2 0.6 0.5 0.8
48.1 -1.4 48.9 14.3 61.8
228.1 237.1 237.3 235.4 206.7
-73.7 -72.1 -73.0 -69.2 -68.5
154.4 165.0 164.4 166.2 138.2
18,558.6 18,153.3 17,863.4 17,722.6 14,657.3
1,733.0 1,694.6 1,586.4 1,562.6 1,343.7
32.3% 30.4% 30.7% 29.4% 33.1%
10.9% 0.4% 12.4% 3.7% 18.9%
24,914.2 25,119.9 24,891.1 24,192.4 22,683.5
14,080.6 13,862.6 13,766.4 14,266.9 12,458.9
63.8 38.8 70.2 47.7 40.5
-24.7 -24.0 -25.2 -28.6 -19.0
4.2 7.6 3.2 2.6 2.1
-53.6 -16.8 13.4 -35.3 -3.8
0.0 2.4 0.5 1.6 0.5
10.3 10.0 9.1 9.4 9.3
-27.4 -24.5 -20.5 -48.2 -31.3
6.5 -1.0 1.4 30.4 0.7
2.3 4.0 -12.3 1.0 2.1
-22.9 -38.2 -31.3 -30.0 -60.9
-16.2 -40.7 -3.9 -3.6 -51.0
-41.6 -41.6 8.6 -49.4 -59.9
7.5 129.7 -7.4 6.9 -2.3
-34.1 88.2 1.2 -42.4 -62.1
0.0 0.0 0.0 0.0 0.0
-34.1 88.2 1.2 -42.4 -62.1
-1.5 0.2 -1.6 -5.0 0.7
-32.6 88.0 2.9 -37.5 -62.8
0.0 18.0 71.3 -2.6 29.5
-27.4 -24.5 -20.5 -48.2 -31.3
-27.5 -6.4 50.9 -50.8 -1.8
3,615.3 3,546.8 2,925.2 1,934.3 4,864.3
2,325.9 1,888.6 2,183.4 1,636.7 1,747.4
>100% >100% 28.7% >100% >100%
-5.9% 18.7% 0.2% -10.3% -14.4%
58,872.2 56,351.3 53,793.8 52,750.8 52,341.4
65,122.1 62,665.7 58,936.2 58,546.7 56,537.7
197.7 196.8 213.2 207.0 214.3
101.7 93.6 94.0 107.2 102.9
12.5 9.1 10.0 11.9 8.8
5.3 6.2 2.9 7.5 -0.6
0.1 0.0 0.0 -0.1 0.0
6.3 6.2 7.7 7.6 10.7
-227.5 -232.3 -228.7 -238.1 -231.1
8.4 -4.8 7.2 13.4 -5.0
-13.2 -49.9 -57.6 -108.6 -48.1
-13.6 -0.5 -8.4 -5.5 -14.0
-2.2 -2.3 -2.4 -2.0 -3.4
77.8 24.5 40.5 2.3 38.0
-15.7 -7.4 -14.7 -16.2 -16.8
62.1 17.1 25.8 -13.9 21.2
0.0 0.0 0.0 0.0 0.0
62.1 17.1 25.8 -13.9 21.2
46.2 16.7 22.7 -16.9 19.6
15.9 0.4 3.1 3.0 1.6
323.6 311.9 327.9 341.1 336.1
-227.5 -232.3 -228.7 -238.1 -231.1
96.1 79.7 99.2 103.0 105.0
22,544.4 22,501.0 22,324.1 22,464.0 22,440.9
2,198.2 2,071.8 2,030.8 2,014.1 2,007.2
70.3% 74.5% 69.7% 69.8% 68.8%
11.5% 3.3% 5.0% -2.7% 4.3%
56,115.4 56,163.4 55,930.5 56,204.6 56,074.4
52,285.3 52,421.1 52,155.6 52,457.8 52,105.8
42.8 48.6 46.9 47.0 53.9
22.1 17.3 15.1 31.5 22.4
0.0 0.0 0.0 0.0 0.0
2.0 3.5 1.3 1.6 2.3
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
-15.5 -16.4 -17.3 -18.5 -19.4
0.0 0.0 -3.1 -3.1 0.0
-32.5 -71.1 -55.1 -70.6 -88.1
-7.2 -4.4 -5.7 -10.9 -2.2
-0.4 -1.1 -0.5 -0.7 -0.9
11.7 -22.5 -18.0 -23.1 -31.2
1.8 0.2 5.9 1.3 4.0
13.5 -22.3 -12.1 -21.8 -27.2
0.0 0.0 0.0 0.0 0.0
13.5 -22.3 -12.1 -21.8 -27.2
-1.1 2.2 0.8 0.6 -1.9
14.6 -24.5 -12.9 -22.3 -25.2
66.9 69.4 63.3 80.0 78.5
-15.5 -16.4 -17.3 -18.5 -19.4
51.4 53.0 46.0 61.5 59.1
8,193.4 7,917.8 8,109.4 7,187.5 8,929.6
763.8 763.7 767.0 769.2 819.8
23.2% 23.6% 27.3% 23.1% 24.7%
7.2% -11.7% -6.3% -11.2% -13.5%
8,002.8 7,935.5 7,714.7 7,493.7 8,974.2
4,983.7 4,961.6 5,114.7 3,807.3 5,399.5
47.0 40.6 39.7 42.7 36.5
1.5 1.7 5.9 5.2 5.1
0.1 0.1 2.0 0.1 0.0
2.9 3.3 -1.2 0.9 -3.5
0.5 0.1 -0.6 -0.2 0.0
22.2 21.0 20.6 20.5 7.9
-34.4 -32.5 -31.2 -35.9 -23.6
0.1 -0.1 0.0 0.4 0.3
-102.9 -61.1 -105.3 -111.2 -60.3
-9.8 -22.0 -13.2 -5.6 -12.6
-0.1 -0.2 -0.1 -0.1 -0.1
-72.8 -48.9 -83.3 -83.1 -50.2
13.1 7.5 9.0 -5.5 -2.6
-59.7 -41.4 -74.3 -88.6 -52.9
0.0 0.0 0.0 0.0 0.0
-59.7 -41.4 -74.3 -88.6 -52.9
3.0 -4.6 -2.6 -2.7 0.4
-62.7 -36.8 -71.6 -85.9 -53.3
74.2 66.8 66.5 69.2 46.0
-34.4 -32.5 -31.2 -35.9 -23.6
39.9 34.3 35.3 33.3 22.3
11,053.6 10,629.3 10,974.1 9,495.2 9,640.5
933.4 976.6 918.1 877.7 833.8
46.3% 48.6% 47.0% 51.9% 51.4%
-25.9% -17.0% -32.1% -40.1% -25.7%
12,124.9 11,665.2 11,495.3 10,908.4 10,309.6
5,968.8 5,659.4 5,685.7 5,206.9 4,819.6
15.5 17.8 16.7 18.9 18.7
6.9 6.5 5.7 8.5 5.1
0.0 0.0 0.0 0.0 0.0
3.0 5.1 2.4 2.6 -0.2
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
-11.9 -11.9 -12.5 -14.6 -12.2
1.4 0.0 0.0 6.9 2.2
4.4 -7.8 -6.4 3.7 4.3
0.1 0.1 0.1 0.1 0.2
0.0 0.0 0.0 0.0 0.0
19.4 9.7 6.0 26.1 18.2
-4.2 -2.4 -1.4 -5.3 -4.0
15.2 7.3 4.6 20.8 14.2
0.0 0.0 0.0 0.0 0.0
15.2 7.3 4.6 20.8 14.2
0.0 0.0 0.0 0.1 0.0
15.2 7.3 4.6 20.8 14.2
25.4 29.4 24.9 30.1 23.6
-11.9 -11.9 -12.5 -14.6 -12.2
13.6 17.4 12.3 15.4 11.4
3,382.5 3,242.9 3,210.1 3,335.1 2,470.9
323.1 356.4 307.8 342.3 223.7
46.7% 40.6% 50.4% 48.7% 51.6%
19.1% 8.2% 5.9% 24.1% 25.8%
4,122.4 3,919.6 3,770.7 3,697.8 3,455.1
58.6 98.8 45.0 58.4 90.3
45.6 52.4 59.2 60.0 54.0
25.7 23.8 25.3 30.1 25.3
0.1 0.3 0.1 0.0 0.1
46.3 33.2 27.1 10.1 30.5
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
-45.5 -47.4 -42.9 -52.2 -44.6
0.0 0.1 -0.1 0.0 0.0
0.0 12.0 -0.5 0.8 0.0
-0.7 4.8 -5.4 -1.8 -0.2
-0.9 -0.7 -0.5 -0.5 -0.6
71.5 79.0 62.9 47.0 65.2
-17.4 -13.0 -14.8 -6.6 -13.3
54.1 66.0 48.1 40.3 51.9
0.0 0.0 0.0 0.0 0.0
54.1 66.0 48.1 40.3 51.9
2.8 -0.1 -0.1 -0.1 0.5
51.3 66.1 48.2 40.4 51.4
117.7 109.6 111.8 100.3 109.9
-45.5 -47.4 -42.9 -52.2 -44.6
72.2 62.2 68.9 48.0 65.4
2,073.7 1,953.0 1,709.6 1,781.7 3,061.1
494.2 481.4 423.0 442.7 409.5
38.7% 43.3% 38.4% 52.1% 40.5%
44.4% 55.0% 45.1% 36.2% 51.4%
28,301.8 28,812.1 28,343.6 24,589.5 30,881.6
19,118.1 20,197.6 20,875.3 16,117.3 24,251.6
57.2 32.7 16.0 30.2 25.3
34.2 37.8 38.0 27.5 16.7
6.1 5.4 4.3 4.9 2.2
1.9 7.6 -0.6 12.0 -0.7
0.4 1.8 4.3 -0.2 0.5
9.2 10.1 12.6 8.4 9.8
-174.6 -154.5 -171.9 -168.1 -189.6
1.2 0.3 1.1 -10.1 -5.2
-4.0 12.8 -17.2 -7.0 3.5
29.4 -121.2 -6.0 -319.8 64.1
-37.0 -36.8 -37.0 -36.8 -25.0
-38.9 -167.2 -119.3 -422.3 -73.3
8.9 37.4 33.2 -60.4 5.6
-30.0 -129.8 -86.1 -482.7 -67.7
0.0 0.0 0.0 0.0 0.0
-30.0 -129.8 -86.1 -482.7 -67.7
12.5 11.4 8.4 22.8 9.3
-42.5 -141.1 -94.5 -505.5 -77.0
109.2 95.4 74.6 82.6 53.8
-174.6 -154.5 -171.9 -168.1 -189.6
-65.5 -59.0 -97.2 -85.5 -135.8
2,018.1 823.8 1,064.4 3,172.9 4,071.4
5,647.6 6,176.6 5,680.3 5,473.8 5,519.0
>100% >100% >100% >100% >100%
-2.2% -8.4% -6.0% -35.0% -5.0%
16,627.0 16,511.3 15,168.0 13,047.5 9,185.0
13,494.0 13,001.9 12,356.2 11,265.0 6,243.1
7.1 -9.8 -16.0 3.2 -1.4
-31.7 -33.2 -29.7 -47.8 -18.4
0.2 -0.2 -0.1 0.1 -0.9
1.4 8.5 10.8 12.0 7.6
0.0 0.0 0.0 0.0 0.0
-8.8 -10.4 -8.3 -9.5 -4.8
85.4 90.1 94.0 118.5 90.6
-0.1 0.1 0.0 0.1 0.0
1.7 -1.8 -1.1 1.2 0.2
-55.3 -43.2 -49.6 -77.8 -72.9
0.0 0.0 0.0 0.0 0.0
0.0 0.1 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
-31.8 -45.1 -43.3 -41.9 -17.9
85.4 90.1 94.0 118.5 90.6
53.6 45.0 50.7 76.5 72.7
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
>100% >100% >100% >100% >100%
- - - - 0.0%
-49,044.4 -49,240.3 -46,633.5 -45,649.0 -40,737.4
-49,044.8 -49,240.3 -46,633.5 -45,638.0 -40,737.4
Geographic segmentation
in EUR million
Total group
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Austria
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
EBOe & Subsidiaries
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Savings Banks
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Other Austria
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Central and Eastern Europe
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Czech Republic
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Romania
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Slovakia
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Hungary
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Croatia
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Serbia
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Other
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
General administrative expenses
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Operating income
Operating expenses
Operating result
Risk-weighted assets (credit risk, eop)
Average allocated capital
Cost/income ratio
Return on allocated capital
Total assets (eop)
Total liabilities excluding equity (eop)
Q1 13 Q2 13 Q3 13 Q4 13 Q1 14
1,196.7 1,143.3 1,175.9 1,169.2 1,123.9
447.4 446.8 449.5 462.8 452.1
26.8 21.2 20.2 21.6 14.6
30.7 72.8 80.7 34.6 50.4
2.8 9.4 7.5 2.1 3.1
43.7 41.5 46.6 41.6 46.5
-989.9 -970.3 -964.2 -971.7 -963.3
22.0 -4.3 6.7 38.1 -3.7
-371.8 -412.6 -460.7 -529.4 -364.2
-98.2 -279.4 -142.5 -488.5 -119.8
-71.6 -113.1 -62.4 -64.0 -99.8
310.1 68.4 219.6 -219.6 239.5
-66.4 91.4 -56.0 -147.5 -99.7
243.7 159.8 163.6 -367.1 139.8
0.0 0.0 0.0 0.0 0.0
243.7 159.8 163.6 -367.1 139.8
67.0 34.2 35.2 3.2 36.5
176.6 125.5 128.4 -370.3 103.3
1,748.0 1,734.9 1,780.4 1,731.8 1,690.6
-989.9 -970.3 -964.2 -971.7 -963.3
758.1 764.6 816.2 760.1 727.3
90,072.7 87,317.2 86,632.6 84,858.0 87,874.3
16,512.0 16,526.5 15,814.5 15,164.2 14,977.2
56.6% 55.9% 54.2% 56.1% 57.0%
6.0% 3.9% 4.1% -9.6% 3.8%
213,211.1 210,430.7 208,083.9 200,117.8 203,902.8
196,772.8 194,192.5 192,790.1 185,332.8 188,833.7
435.0 432.1 459.4 460.2 458.2
231.5 219.9 212.3 245.2 236.8
20.3 11.7 15.3 16.5 12.6
33.2 26.5 7.4 1.2 0.8
0.6 4.1 1.0 -1.2 0.0
33.2 31.7 32.7 32.9 23.2
-469.5 -476.3 -457.0 -495.7 -454.8
10.4 -4.7 7.4 21.1 -3.3
-113.3 -160.7 -195.0 -277.9 -120.2
-25.8 -22.0 -23.4 -28.5 -33.0
-4.6 -4.9 -4.9 -4.6 -5.4
155.6 62.2 60.1 -26.2 120.5
-36.6 -17.0 -29.9 -36.4 -45.9
119.0 45.2 30.2 -62.6 74.6
0.0 0.0 0.0 0.0 0.0
119.0 45.2 30.2 -62.6 74.6
51.1 15.2 22.7 -18.9 23.5
67.9 30.1 7.5 -43.7 51.1
753.8 725.9 728.1 754.8 731.7
-469.5 -476.3 -457.0 -495.7 -454.8
284.3 249.6 271.1 259.1 276.9
51,720.1 50,716.6 50,957.8 48,716.9 49,769.6
5,114.3 5,048.7 4,756.1 4,663.0 4,486.3
62.3% 65.6% 62.8% 65.7% 62.2%
9.4% 3.6% 2.5% -5.3% 6.7%
138,847.0 139,467.6 137,866.1 133,169.6 139,294.5
115,105.1 116,345.9 116,612.4 110,895.2 117,929.8
134.7 135.2 144.3 145.4 145.4
85.8 83.5 79.1 83.8 90.6
7.6 2.4 3.2 3.8 3.6
7.1 0.5 2.6 1.0 1.2
0.0 4.0 1.6 -0.9 0.0
4.8 4.5 4.4 4.7 4.7
-153.3 -154.5 -145.6 -153.6 -145.5
0.5 0.2 0.0 0.4 -0.9
4.0 -43.1 -6.4 -32.0 -21.3
-4.0 -2.4 -6.2 -22.9 -8.1
-2.4 -2.4 -2.4 -2.4 -2.0
87.3 30.3 77.0 29.8 69.6
-20.8 -6.8 -18.6 -12.8 -15.6
66.5 23.5 58.3 17.0 54.0
0.0 0.0 0.0 0.0 0.0
66.5 23.5 58.3 17.0 54.0
1.5 1.8 1.5 0.0 1.5
64.9 21.7 56.8 17.0 52.5
240.1 230.0 235.2 237.9 245.4
-153.3 -154.5 -145.6 -153.6 -145.5
86.8 75.6 89.6 84.3 100.0
11,566.9 11,576.5 11,573.5 11,342.4 11,679.4
1,143.6 1,150.8 1,093.6 1,068.4 1,077.9
63.9% 67.1% 61.9% 64.6% 59.3%
23.6% 8.2% 21.2% 6.3% 20.3%
42,723.4 42,680.6 42,343.7 42,161.8 42,215.4
40,733.4 40,726.9 40,306.5 40,034.4 39,985.5
197.7 196.8 213.2 207.0 214.3
101.7 93.6 94.0 107.2 102.9
12.5 9.1 10.0 11.9 8.8
5.3 6.2 2.9 7.5 -0.6
0.1 0.0 0.0 -0.1 0.0
6.3 6.2 7.7 7.6 10.7
-227.5 -232.3 -228.7 -238.1 -231.1
8.4 -4.8 7.2 13.4 -5.0
-13.2 -49.9 -57.6 -108.6 -48.1
-13.6 -0.5 -8.4 -5.5 -14.0
-2.2 -2.3 -2.4 -2.0 -3.4
77.8 24.5 40.5 2.3 38.0
-15.7 -7.4 -14.7 -16.2 -16.8
62.1 17.1 25.8 -13.9 21.2
0.0 0.0 0.0 0.0 0.0
62.1 17.1 25.8 -13.9 21.2
46.2 16.7 22.7 -16.9 19.6
15.9 0.4 3.1 3.0 1.6
323.6 311.9 327.9 341.1 336.1
-227.5 -232.3 -228.7 -238.1 -231.1
96.1 79.7 99.2 103.0 105.0
22,544.4 22,501.0 22,324.1 22,464.0 22,440.9
2,198.2 2,071.8 2,030.8 2,014.1 2,007.2
70.3% 74.5% 69.7% 69.8% 68.8%
11.5% 3.3% 5.0% -2.7% 4.3%
56,115.4 56,163.4 55,930.5 56,204.6 56,074.4
52,285.3 52,421.1 52,155.6 52,457.8 52,105.8
102.5 100.1 101.9 107.8 98.5
44.0 42.9 39.1 54.3 43.3
0.3 0.2 2.1 0.7 0.2
20.7 19.7 1.8 -7.3 0.3
0.5 0.1 -0.6 -0.2 0.0
22.2 21.0 20.6 20.5 7.9
-88.7 -89.6 -82.7 -104.1 -78.1
1.5 -0.1 0.1 7.3 2.5
-104.1 -67.7 -131.0 -137.3 -50.8
-8.2 -19.1 -8.8 -0.1 -10.9
0.0 -0.2 -0.1 -0.1 -0.1
-9.4 7.5 -57.4 -58.3 12.9
-0.1 -2.8 3.4 -7.3 -13.4
-9.6 4.7 -54.0 -65.7 -0.5
0.0 0.0 0.0 0.0 0.0
-9.6 4.7 -54.0 -65.7 -0.5
3.3 -3.3 -1.5 -2.0 2.4
-12.9 8.0 -52.5 -63.7 -3.0
190.1 183.9 165.0 175.8 150.1
-88.7 -89.6 -82.7 -104.1 -78.1
101.5 94.4 82.2 71.8 72.0
17,608.8 16,639.1 17,060.3 14,910.6 15,649.4
1,772.5 1,826.1 1,631.6 1,580.5 1,401.1
46.6% 48.7% 50.2% 59.2% 52.1%
-2.2% 1.0% -13.1% -16.5% -0.2%
40,008.3 40,623.7 39,591.8 34,803.1 41,004.7
22,086.4 23,198.0 24,150.3 18,403.0 25,838.5
666.7 655.3 661.2 629.1 617.2
221.4 230.6 236.1 250.9 225.5
0.1 4.3 0.6 0.1 0.7
52.3 49.8 60.9 55.3 42.5
1.8 3.5 2.2 3.5 2.7
10.1 10.1 9.6 9.8 18.2
-427.6 -425.6 -425.4 -421.7 -405.2
6.6 0.0 -1.8 8.9 4.3
-256.2 -262.8 -247.4 -245.2 -245.7
-46.6 -93.0 -63.7 -62.5 -78.1
-30.0 -71.4 -20.5 -22.6 -69.3
228.6 172.0 232.4 228.2 182.0
-46.8 70.8 -49.8 -51.3 -56.7
181.8 242.8 182.6 176.9 125.4
0.0 0.0 0.0 0.0 0.0
181.8 242.8 182.6 176.9 125.4
3.4 7.7 4.1 -0.7 3.8
178.4 235.1 178.5 177.6 121.6
952.4 953.5 970.7 948.8 906.8
-427.6 -425.6 -425.4 -421.7 -405.2
524.8 527.9 545.2 527.0 501.6
35,838.6 35,212.3 34,296.1 32,652.6 33,614.8
4,756.0 4,410.3 4,387.9 4,225.4 4,297.2
44.9% 44.6% 43.8% 44.5% 44.7%
15.5% 22.1% 16.5% 16.6% 11.8%
84,685.8 82,498.7 81,765.6 79,324.3 77,132.7
76,131.8 74,240.4 73,211.6 70,884.4 68,563.4
256.6 247.4 254.2 241.2 233.4
114.7 108.1 105.7 106.5 101.6
0.0 1.7 0.2 0.1 0.4
17.9 20.2 21.7 20.0 21.5
0.0 0.0 0.0 0.0 0.0
8.6 8.1 7.7 7.5 8.0
-185.4 -182.8 -182.8 -170.8 -164.7
6.5 -0.6 -2.6 4.9 4.2
-36.8 -41.3 -34.8 -27.3 -35.6
9.0 11.0 -19.0 0.6 2.3
0.0 0.0 0.0 0.0 0.0
191.2 171.7 150.2 182.7 171.1
-38.0 -34.6 -29.8 -37.6 -34.1
153.3 137.1 120.4 145.0 137.0
0.0 0.0 0.0 0.0 0.0
153.3 137.1 120.4 145.0 137.0
0.8 0.6 0.4 2.1 0.8
152.4 136.5 120.0 143.0 136.2
397.8 385.5 389.4 375.3 364.8
-185.4 -182.8 -182.8 -170.8 -164.7
212.4 202.6 206.6 204.4 200.1
14,620.7 14,598.7 14,622.1 13,934.1 13,949.4
1,781.1 1,531.5 1,567.9 1,490.4 1,474.6
46.6% 47.4% 46.9% 45.5% 45.1%
34.9% 35.9% 30.5% 38.6% 37.7%
38,059.8 36,928.1 36,667.3 35,322.6 33,306.9
34,335.3 33,421.1 32,991.1 31,719.1 29,583.9
162.5 155.9 150.2 141.5 135.7
32.6 41.7 42.6 52.3 39.1
0.0 2.3 0.0 0.0 0.0
26.0 24.5 26.1 23.2 19.6
0.0 0.0 0.0 0.8 0.2
0.9 1.5 1.3 1.3 1.2
-94.3 -91.1 -91.8 -92.0 -80.5
0.0 0.0 0.5 2.7 0.1
-114.9 -114.7 -116.8 -107.9 -110.3
-19.3 -19.3 -12.9 -18.7 -7.2
0.0 0.0 0.0 0.0 0.0
-6.6 0.7 -0.8 3.1 -2.0
5.9 122.5 -1.9 -3.0 -5.9
-0.8 123.2 -2.7 0.2 -7.9
0.0 0.0 0.0 0.0 0.0
-0.8 123.2 -2.7 0.2 -7.9
-0.7 6.4 0.3 -1.0 0.0
-0.1 116.8 -3.0 1.2 -7.9
221.9 225.9 220.2 219.1 195.8
-94.3 -91.1 -91.8 -92.0 -80.5
127.6 134.8 128.4 127.1 115.3
8,494.5 7,989.0 7,579.6 6,850.1 6,892.8
1,486.6 1,389.8 1,366.1 1,305.9 1,302.7
42.5% 40.3% 41.7% 42.0% 41.1%
-0.2% 35.6% -0.8% 0.0% -2.4%
15,971.5 15,630.0 15,266.8 14,924.3 14,756.5
14,433.4 13,980.5 13,613.2 13,265.3 13,097.7
104.4 107.6 112.0 107.1 107.9
29.1 29.3 28.6 30.5 29.9
0.0 0.2 0.1 0.0 0.3
1.4 2.7 3.9 3.7 2.7
1.6 3.1 2.3 2.8 1.9
0.4 0.5 0.5 0.5 0.4
-58.9 -62.1 -61.9 -66.1 -65.1
0.0 0.5 0.2 1.3 0.0
-14.3 -9.3 -6.0 -17.7 -12.7
-14.6 -11.7 -12.7 -8.2 -11.0
-10.5 -10.5 -10.1 -10.1 -10.3
49.3 60.8 67.1 53.9 54.3
-9.2 -12.4 -15.7 -13.2 -12.7
40.1 48.5 51.4 40.8 41.6
0.0 0.0 0.0 0.0 0.0
40.1 48.5 51.4 40.8 41.6
0.0 0.0 0.0 0.0 0.0
40.1 48.5 51.4 40.8 41.6
137.0 143.3 147.3 144.7 143.1
-58.9 -62.1 -61.9 -66.1 -65.1
78.1 81.2 85.5 78.5 78.0
4,357.9 4,321.0 4,261.1 3,877.7 3,962.0
524.0 512.0 506.7 480.6 501.6
43.0% 43.3% 42.0% 45.7% 45.5%
31.0% 38.0% 40.3% 33.7% 33.6%
11,968.0 11,523.8 11,573.6 11,695.9 11,802.3
10,460.0 10,160.8 10,061.3 10,234.8 10,291.8
75.3 75.5 78.1 69.8 69.6
27.9 31.3 32.9 39.6 33.6
0.0 0.0 0.0 0.0 0.0
2.0 -3.9 2.0 3.9 -5.7
0.0 0.0 0.0 0.0 0.0
0.1 0.0 0.1 0.4 0.3
-45.8 -44.1 -44.9 -45.4 -42.1
0.0 0.0 0.0 0.0 0.0
-57.7 -52.7 -45.3 -45.6 -44.8
-21.7 -72.3 -16.6 -26.1 -61.6
-19.5 -60.9 -10.4 -12.4 -59.1
-19.9 -66.1 6.3 -3.3 -50.7
-2.7 -3.3 -2.1 1.6 -3.1
-22.6 -69.4 4.2 -1.7 -53.8
0.0 0.0 0.0 0.0 0.0
-22.6 -69.4 4.2 -1.7 -53.8
0.0 0.0 0.0 0.0 0.0
-22.6 -69.4 4.2 -1.7 -53.8
105.3 102.9 113.1 113.8 97.9
-45.8 -44.1 -44.9 -45.4 -42.1
59.6 58.8 68.2 68.3 55.8
3,938.4 4,111.4 4,013.5 3,926.0 3,741.1
516.7 516.5 487.2 489.3 507.2
43.5% 42.8% 39.7% 39.9% 43.0%
-17.7% -53.9% 3.4% -1.4% -43.0%
9,248.3 8,794.8 8,468.9 7,631.6 7,366.4
8,576.7 8,174.1 7,852.5 7,012.8 6,814.6
59.8 61.1 58.6 61.0 63.0
14.3 17.0 22.9 18.4 18.3
0.1 0.0 0.3 0.0 0.0
4.5 5.6 6.5 3.8 3.8
0.2 0.4 -0.1 -0.1 0.5
0.0 0.1 0.1 0.1 8.2
-34.4 -36.1 -35.2 -38.0 -43.5
0.2 0.0 0.0 0.0 0.0
-30.7 -42.1 -42.3 -44.1 -39.7
0.3 -1.1 -2.5 -9.9 -0.5
0.0 0.0 0.0 0.0 0.0
14.1 4.9 8.4 -8.8 10.1
-2.6 -1.5 -0.4 1.2 -1.5
11.5 3.4 8.0 -7.6 8.6
0.0 0.0 0.0 0.0 0.0
11.5 3.4 8.0 -7.6 8.6
3.2 0.8 3.1 -1.8 3.1
8.3 2.6 4.9 -5.7 5.5
78.8 84.1 88.3 83.2 93.7
-34.4 -36.1 -35.2 -38.0 -43.5
44.4 48.0 53.1 45.3 50.2
3,903.3 3,714.3 3,266.4 3,504.8 4,504.9
392.4 404.2 391.7 391.9 438.6
43.7% 42.9% 39.9% 45.6% 46.4%
11.9% 3.4% 8.1% -7.6% 8.0%
8,621.5 8,855.4 8,956.4 8,900.9 9,040.0
7,631.3 7,859.0 7,984.0 7,927.8 8,041.8
8.1 7.8 8.2 8.4 7.7
2.9 3.3 3.5 3.7 3.1
0.0 0.0 0.0 0.0 0.0
0.5 0.7 0.6 0.7 0.6
0.0 0.0 0.0 0.0 0.1
0.0 0.0 0.0 0.0 0.0
-8.8 -9.4 -8.9 -9.4 -9.4
0.0 0.0 0.0 0.0 0.0
-1.9 -2.8 -2.2 -2.7 -2.7
-0.3 0.4 0.0 -0.1 -0.2
0.0 0.0 0.0 0.0 0.0
0.5 0.0 1.1 0.6 -0.8
-0.2 0.1 0.0 -0.4 0.6
0.3 0.1 1.1 0.2 -0.2
0.0 0.0 0.0 0.0 0.0
0.3 0.1 1.1 0.2 -0.2
0.1 0.0 0.2 0.0 -0.1
0.2 0.1 0.9 0.2 0.0
11.5 11.8 12.3 12.8 11.5
-8.8 -9.4 -8.9 -9.4 -9.4
2.8 2.4 3.4 3.4 2.2
523.6 478.0 553.3 559.9 564.6
55.2 56.2 68.2 67.2 72.5
76.1% 79.4% 72.5% 73.4% 81.2%
2.2% 0.7% 6.7% 1.2% -1.0%
816.7 766.5 832.6 849.0 860.7
695.0 644.9 709.5 724.6 733.5
95.0 55.9 55.3 79.9 48.5
-5.6 -3.8 1.1 -33.3 -10.3
6.4 5.2 4.2 5.0 1.3
-54.7 -3.4 12.4 -21.9 7.1
0.4 1.8 4.3 -0.2 0.5
0.4 -0.2 4.3 -1.1 5.1
-92.9 -68.3 -81.7 -54.2 -103.3
4.9 0.4 1.1 8.1 -4.8
-2.2 11.0 -18.4 -6.3 1.7
-25.8 -164.4 -55.5 -397.5 -8.7
-37.0 -36.8 -37.0 -36.8 -25.0
-74.2 -165.9 -72.8 -421.6 -63.0
17.0 37.6 23.7 -59.8 2.8
-57.2 -128.3 -49.2 -481.4 -60.1
0.0 0.0 0.0 0.0 0.0
-57.2 -128.3 -49.2 -481.4 -60.1
12.5 11.4 8.4 22.8 9.2
-69.7 -139.6 -57.6 -504.2 -69.3
41.8 55.5 81.6 28.2 52.1
-92.9 -68.3 -81.7 -54.2 -103.3
-51.1 -12.9 -0.1 -26.0 -51.2
2,514.0 1,388.3 1,378.6 3,488.5 4,489.9
6,641.7 7,067.5 6,670.5 6,275.8 6,193.8
>100% >100% >100% >100% >100%
-3.5% -7.3% -2.9% -30.4% -3.9%
-10,321.8 -11,535.6 -11,547.7 -12,376.0 -12,524.4
5,535.9 3,606.2 2,966.1 3,553.2 2,340.5
Asset quality (gross loans)
in EUR million Q1 13 Q2 13 Q3 13
Total group
Low risk 95,178 95,081 95,655
Management attention 18,867 18,313 17,492
Substandard 4,057 3,790 3,897
Non-performing 12,232 12,573 12,448
Gross customer loans 130,335 129,756 129,492
Allowances for customer loans 7,632 7,757 7,837
NPL coverage (exc collateral) 62.4% 61.7% 63.0%
NPL ratio 9.4% 9.7% 9.6%
Currency split
CEE-LCY 24,929 24,987 25,222
CHF 12,089 11,475 11,248
EUR 89,632 89,632 89,486
USD 1,595 1,721 1,616
Other 2,089 1,941 1,921
Industry split (NACE Code)
Agriculture and forestry
Low risk 1,365 1,339 1,408
Management attention 488 494 490
Substandard 57 67 57
Non-performing 247 276 269
Gross customer loans 2,157 2,175 2,224
Allowances for customer loans 161 170 170
NPL coverage (exc collateral) 65.1% 61.5% 63.1%
NPL ratio 11.5% 12.7% 12.1%
Mining
Low risk 215 279 290
Management attention 87 65 82
Substandard 4 6 5
Non-performing 68 80 84
Gross customer loans 374 431 461
Allowances for customer loans 59 68 64
NPL coverage (exc collateral) 87.2% 85.2% 77.1%
NPL ratio 18.2% 18.6% 18.1%
Manufacturing
Low risk 6,232 5,946 5,896
Management attention 1,939 1,812 1,590
Substandard 499 496 450
Non-performing 1,699 1,740 1,686
Gross customer loans 10,369 9,994 9,622
Allowances for customer loans 1,075 1,120 1,088
NPL coverage (exc collateral) 63.3% 64.3% 64.6%
NPL ratio 16.4% 17.4% 17.5%
Energy and water supply
Low risk 1,875 1,845 2,016
Management attention 298 362 284
Substandard 53 62 120
Non-performing 248 259 226
Gross customer loans 2,475 2,528 2,646
Allowances for customer loans 123 127 146
NPL coverage (exc collateral) 49.7% 49.2% 64.7%
NPL ratio 10.0% 10.2% 8.5%
Construction
Low risk 3,555 3,718 4,051
Management attention 1,351 1,325 1,151
Substandard 170 178 194
Non-performing 1,699 1,678 1,704
Gross customer loans 6,775 6,899 7,099
Allowances for customer loans 971 971 1,011
NPL coverage (exc collateral) 57.1% 57.9% 59.3%
NPL ratio 25.1% 24.3% 24.0%
Development of building projects
Low risk 2,006 1,887 2,262
Management attention 308 367 282
Substandard 42 65 78
Non-performing 631 580 639
Gross customer loans 2,987 2,899 3,261
Allowances for customer loans 292 162 339
NPL coverage (exc collateral) 46.3% 27.9% 53.0%
NPL ratio 21.1% 20.0% 19.6%
Trade
Low risk 5,624 5,476 5,336
Management attention 1,519 1,497 1,470
Substandard 456 439 326
Non-performing 1,346 1,354 1,431
Gross customer loans 8,944 8,766 8,563
Allowances for customer loans 852 860 925
NPL coverage (exc collateral) 63.3% 63.5% 64.6%
NPL ratio 15.1% 15.5% 16.7%
Transport and communication
Low risk 2,392 2,492 2,545
Management attention 730 701 710
Substandard 56 88 80
Non-performing 394 371 357
Gross customer loans 3,572 3,652 3,691
Allowances for customer loans 277 265 249
NPL coverage (exc collateral) 70.4% 71.6% 69.7%
NPL ratio 11.0% 10.1% 9.7%
Hotels and restaurants
Low risk 2,092 2,056 1,983
Management attention 833 823 840
Substandard 266 261 264
Non-performing 763 789 750
Gross customer loans 3,954 3,929 3,837
Allowances for customer loans 365 384 362
NPL coverage (exc collateral) 47.9% 48.6% 48.3%
NPL ratio 19.3% 20.1% 19.5%
Financial and insurance services
Low risk 4,889 5,074 4,759
Management attention 644 589 450
Substandard 54 79 168
Non-performing 258 291 308
Gross customer loans 5,846 6,034 5,685
Allowances for customer loans 199 202 217
NPL coverage (exc collateral) 76.9% 69.3% 70.4%
NPL ratio 4.4% 4.8% 5.4%
Holding companies
Low risk 2,841 2,869 2,890
Management attention 469 383 275
Substandard 36 64 152
Non-performing 159 199 221
Gross customer loans 3,504 3,515 3,537
Allowances for customer loans 102 112 121
NPL coverage (exc collateral) 64.2% 55.9% 54.8%
NPL ratio 4.5% 5.7% 6.2%
Real estate and housing
Low risk 15,683 15,552 15,684
Management attention 2,732 2,765 2,630
Substandard 643 604 556
Non-performing 1,291 1,365 1,307
Gross customer loans 20,348 20,287 20,177
Allowances for customer loans 721 754 744
NPL coverage (exc collateral) 55.9% 55.2% 57.0%
NPL ratio 6.3% 6.7% 6.5%
Services
Low risk 3,273 3,302 3,325
Management attention 844 786 788
Substandard 161 165 161
Non-performing 497 487 492
Gross customer loans 4,775 4,739 4,766
Allowances for customer loans 321 310 326
NPL coverage (exc collateral) 64.6% 63.7% 66.2%
NPL ratio 10.4% 10.3% 10.3%
Public administration
Low risk 5,997 5,756 5,638
Management attention 314 233 292
Substandard 82 28 27
Non-performing 40 29 31
Gross customer loans 6,433 6,046 5,988
Allowances for customer loans 32 28 30
NPL coverage (exc collateral) 79.8% 95.8% 97.3%
NPL ratio 0.6% 0.5% 0.5%
Education, health and art
Low risk 1,692 1,723 1,694
Management attention 605 488 598
Substandard 45 44 50
Non-performing 198 263 255
Gross customer loans 2,541 2,518 2,597
Allowances for customer loans 85 84 82
NPL coverage (exc collateral) 43.0% 31.9% 32.2%
NPL ratio 7.8% 10.5% 9.8%
Households
Low risk 40,240 40,437 40,999
Management attention 6,452 6,351 6,104
Substandard 1,440 1,239 1,319
Non-performing 3,444 3,562 3,521
Gross customer loans 51,576 51,590 51,944
Allowances for customer loans 2,297 2,323 2,301
NPL coverage (exc collateral) 66.7% 65.2% 65.3%
NPL ratio 6.7% 6.9% 6.8%
Other
Low risk 54 86 31
Management attention 32 20 13
Substandard 72 33 119
Non-performing 39 29 28
Gross customer loans 197 168 192
Allowances for customer loans 93 92 121
NPL coverage (exc collateral) 239.0% 321.8% 426.1%
NPL ratio 19.8% 17.0% 14.8%
Country of origination split
Core markets
Low risk 88,552 88,429 89,049
Management attention 17,067 16,614 16,048
Substandard 3,636 3,391 3,417
Non-performing 11,202 11,574 11,376
Gross customer loans 120,457 120,007 119,891
Allowances for customer loans 7,013 7,114 7,163
NPL coverage (exc collateral) 62.6% 61.5% 63.0%
NPL ratio 9.3% 9.6% 9.5%
Austria
Low risk 52,858 52,950 53,235
Management attention 7,419 7,277 7,107
Substandard 1,052 1,059 1,043
Non-performing 3,077 3,159 3,104
Gross customer loans 64,406 64,445 64,489
Allowances for customer loans 1,985 1,945 1,939
NPL coverage (exc collateral) 64.5% 61.6% 62.5%
NPL ratio 4.8% 4.9% 4.8%
Czech Republic
Low risk 16,083 16,115 16,503
Management attention 2,929 2,663 2,591
Substandard 602 614 595
Non-performing 1,032 1,069 1,004
Gross customer loans 20,646 20,460 20,693
Allowances for customer loans 741 756 757
NPL coverage (exc collateral) 71.8% 70.8% 75.4%
NPL ratio 5.0% 5.2% 4.9%
Romania
Low risk 5,572 5,248 5,201
Management attention 2,509 2,653 2,353
Substandard 769 578 710
Non-performing 3,504 3,594 3,450
Gross customer loans 12,354 12,074 11,713
Allowances for customer loans 2,100 2,185 2,182
NPL coverage (exc collateral) 59.9% 60.8% 63.2%
NPL ratio 28.4% 29.8% 29.5%
Slovakia
Low risk 5,978 6,016 6,112
Management attention 989 1,014 1,015
Substandard 235 245 215
Non-performing 434 420 440
Gross customer loans 7,637 7,695 7,782
Allowances for customer loans 394 391 391
NPL coverage (exc collateral) 90.7% 93.0% 88.8%
NPL ratio 5.7% 5.5% 5.6%
Hungary
Low risk 3,203 3,200 3,161
Management attention 1,571 1,397 1,325
Substandard 462 385 355
Non-performing 1,694 1,756 1,775
Gross customer loans 6,930 6,739 6,616
Allowances for customer loans 1,042 1,035 1,048
NPL coverage (exc collateral) 61.5% 58.9% 59.1%
NPL ratio 24.4% 26.1% 26.8%
Croatia
Low risk 4,131 4,252 4,191
Management attention 1,462 1,410 1,464
Substandard 469 473 457
Non-performing 1,347 1,456 1,483
Gross customer loans 7,409 7,591 7,595
Allowances for customer loans 665 719 756
NPL coverage (exc collateral) 49.4% 49.4% 51.0%
NPL ratio 18.2% 19.2% 19.5%
Serbia
Low risk 727 648 647
Management attention 187 198 194
Substandard 48 37 43
Non-performing 114 119 121
Gross customer loans 1,075 1,003 1,004
Allowances for customer loans 86 84 89
NPL coverage (exc collateral) 75.5% 70.2% 73.8%
NPL ratio 10.6% 11.9% 12.0%
Other EU
Low risk 4,749 4,652 4,507
Management attention 1,139 1,073 877
Substandard 298 279 366
Non-performing 744 708 743
Gross customer loans 6,930 6,712 6,494
Allowances for customer loans 315 315 308
NPL coverage (exc collateral) 42.4% 44.5% 41.5%
NPL ratio 10.7% 10.5% 11.4%
Other industrialised countries
Low risk 595 681 707
Management attention 122 124 77
Substandard 15 14 31
Non-performing 75 73 87
Gross customer loans 807 893 902
Allowances for customer loans 48 46 52
NPL coverage (exc collateral) 63.2% 64.0% 59.7%
NPL ratio 9.3% 8.1% 9.7%
Emerging markets
Low risk 1,282 1,319 1,392
Management attention 540 502 490
Substandard 108 106 82
Non-performing 211 219 242
Gross customer loans 2,141 2,145 2,205
Allowances for customer loans 149 151 163
NPL coverage (exc collateral) 70.5% 68.9% 67.4%
NPL ratio 9.9% 10.2% 11.0%
Southeastern Europe/CIS
Low risk 923 977 1,028
Management attention 517 478 466
Substandard 107 105 82
Non-performing 183 194 216
Gross customer loans 1,730 1,754 1,792
Allowances for customer loans 142 148 160
NPL coverage (exc collateral) 77.4% 76.2% 73.9%
NPL ratio 10.6% 11.0% 12.1%
Asia
Low risk 166 170 180
Management attention 11 11 10
Substandard 0 0 0
Non-performing 17 19 19
Gross customer loans 193 200 210
Allowances for customer loans 1 1 1
NPL coverage (exc collateral) 3.4% 3.1% 2.9%
NPL ratio 8.7% 9.4% 9.2%
Latin America
Low risk 79 47 46
Management attention 1 2 2
Substandard 0 0 0
Non-performing 5 0 0
Gross customer loans 85 50 48
Allowances for customer loans 5 1 1
NPL coverage (exc collateral) 91.7% 243.6% 230.9%
NPL ratio 6.1% 0.7% 0.7%
Middle East/Africa
Low risk 114 124 137
Management attention 12 10 11
Substandard 0 0 0
Non-performing 6 6 6
Gross customer loans 132 141 155
Allowances for customer loans 2 2 2
NPL coverage (exc collateral) 30.5% 28.9% 30.1%
NPL ratio 4.7% 4.1% 3.9%
Business line segmentation
Retail
Low risk 37,194 37,487 37,896
Management attention 5,337 5,255 4,982
Substandard 1,345 1,136 1,226
Non-performing 3,610 3,648 3,650
Gross customer loans 47,485 47,526 47,754
Allowances for customer loans 2,493 2,477 2,480
NPL coverage (exc collateral) 69.1% 67.9% 67.9%
NPL ratio 7.6% 7.7% 7.6%
SME
Low risk 15,963 15,854 16,451
Management attention 4,016 3,811 3,552
Substandard 756 692 636
Non-performing 3,394 3,554 3,496
Gross customer loans 24,129 23,911 24,134
Allowances for customer loans 2,066 2,166 2,168
NPL coverage (exc collateral) 60.9% 60.9% 62.0%
NPL ratio 14.1% 14.9% 14.5%
ALM & LCC
Low risk 397 327 66
Management attention 29 29 26
Substandard 0 1 2
Non-performing 21 19 17
Gross customer loans 446 376 112
Allowances for customer loans 8 8 29
NPL coverage (exc collateral) 38.7% 45.1% 169.6%
NPL ratio 4.6% 4.9% 15.4%
Total corporate
Low risk 6,134 6,237 5,941
Management attention 1,177 1,088 1,062
Substandard 296 302 297
Non-performing 694 678 668
Gross customer loans 8,301 8,306 7,968
Allowances for customer loans 489 462 469
NPL coverage (exc collateral) 70.4% 68.1% 70.2%
NPL ratio 8.4% 8.2% 8.4%
Commercial Real Estate
Low risk 6,677 6,334 6,047
Management attention 2,031 1,876 1,934
Substandard 685 685 782
Non-performing 1,912 2,022 1,983
Gross customer loans 11,304 10,918 10,746
Allowances for customer loans 1,024 1,076 1,155
NPL coverage (exc collateral) 53.6% 53.2% 58.3%
NPL ratio 16.9% 18.5% 18.5%
Other Corporate
Low risk 733 657 688
Management attention 105 109 68
Substandard 10 10 25
Non-performing 40 35 35
Gross customer loans 889 811 816
Allowances for customer loans 19 17 16
NPL coverage (exc collateral) 46.1% 47.1% 47.0%
NPL ratio 4.5% 4.4% 4.3%
Group Markets
Low risk 81 111 91
Management attention 14 15 24
Substandard 0 0 2
Non-performing 1 3 0
Gross customer loans 96 130 117
Allowances for customer loans 0 1 1
NPL coverage (exc collateral) 28.0% 18.9% 818.0%
NPL ratio 1.1% 2.7% 0.1%
Group Corporate Center
Low risk 258 237 221
Management attention 86 104 97
Substandard 25 25 25
Non-performing 0 2 2
Gross customer loans 369 368 346
Allowances for customer loans 0 0 0
NPL coverage (exc collateral) 4331.6% 15.4% 17.6%
NPL ratio 0.0% 0.7% 0.7%
Geographic segmentation
Austria
Low risk 61,688 61,622 61,710
Management attention 10,398 10,034 9,767
Substandard 1,803 1,760 1,899
Non-performing 4,759 4,995 4,984
Gross customer loans 78,649 78,411 78,361
Allowances for customer loans 2,953 2,967 2,969
NPL coverage (exc collateral) 62.1% 59.4% 59.6%
NPL ratio 6.1% 6.4% 6.4%
Currency split
CEE-LCY 0 0 0
CHF 8,522 8,028 7,853
EUR 66,937 67,233 67,382
USD 1,145 1,256 1,255
Other 2,045 1,893 1,872
EBOe & Subsidiaries
Low risk 24,404 24,503 24,770
Management attention 2,138 2,077 1,999
Substandard 209 243 303
Non-performing 1,011 1,050 1,025
Gross customer loans 27,762 27,872 28,096
Allowances for customer loans 677 699 681
NPL coverage (exc collateral) 67.0% 66.5% 66.5%
NPL ratio 3.6% 3.8% 3.6%
Currency split
CEE-LCY 0 0 0
CHF 3,146 2,902 2,845
EUR 24,213 24,615 24,919
USD 52 54 60
Other 351 300 273
Savings Banks
Low risk 27,741 27,836 28,254
Management attention 6,073 6,024 5,747
Substandard 941 939 901
Non-performing 2,561 2,611 2,597
Gross customer loans 37,315 37,410 37,499
Allowances for customer loans 1,533 1,551 1,518
NPL coverage (exc collateral) 59.9% 59.4% 58.4%
NPL ratio 6.9% 7.0% 6.9%
Currency split
CEE-LCY 0 0 0
CHF 5,153 4,903 4,786
EUR 31,299 31,680 31,866
USD 102 102 93
Other 761 726 755
Other Austria
Low risk 9,544 9,283 8,686
Management attention 2,187 1,933 2,022
Substandard 654 578 695
Non-performing 1,188 1,334 1,363
Gross customer loans 13,573 13,128 12,766
Allowances for customer loans 744 718 770
NPL coverage (exc collateral) 62.6% 53.8% 56.5%
NPL ratio 8.8% 10.2% 10.7%
Currency split
CEE-LCY 0 0 0
CHF 224 223 223
EUR 11,425 10,938 10,597
USD 990 1,100 1,102
Other 934 867 845
Central and Eastern Europe
Low risk 33,218 33,221 33,722
Management attention 8,357 8,147 7,606
Substandard 2,229 2,005 1,973
Non-performing 7,472 7,575 7,461
Gross customer loans 51,276 50,948 50,761
Allowances for customer loans 4,678 4,789 4,867
NPL coverage (exc collateral) 62.6% 63.2% 65.2%
NPL ratio 14.6% 14.9% 14.7%
Currency split
CEE-LCY 24,929 24,987 25,222
CHF 3,567 3,446 3,395
EUR 22,289 22,064 21,735
USD 451 405 361
Other 41 45 48
Czech Republic
Low risk 15,342 15,419 15,841
Management attention 2,345 2,161 2,122
Substandard 505 540 470
Non-performing 1,004 992 910
Gross customer loans 19,196 19,112 19,343
Allowances for customer loans 725 725 721
NPL coverage (exc collateral) 72.2% 73.1% 79.2%
NPL ratio 5.2% 5.2% 4.7%
Currency split
CEE-LCY 17,690 17,612 17,794
CHF 5 5 5
EUR 1,397 1,410 1,456
USD 88 70 73
Other 15 15 16
Romania
Low risk 5,187 4,868 4,828
Management attention 2,481 2,627 2,222
Substandard 714 566 664
Non-performing 3,302 3,337 3,244
Gross customer loans 11,685 11,399 10,958
Allowances for customer loans 1,975 2,053 2,089
NPL coverage (exc collateral) 59.8% 61.5% 64.4%
NPL ratio 28.3% 29.3% 29.6%
Currency split
CEE-LCY 4,116 4,054 4,026
CHF 0 0 0
EUR 7,277 7,088 6,717
USD 279 247 207
Other 12 10 9
Slovakia
Low risk 5,738 5,774 5,853
Management attention 842 856 857
Substandard 213 221 201
Non-performing 405 373 384
Gross customer loans 7,198 7,223 7,296
Allowances for customer loans 361 357 356
NPL coverage (exc collateral) 89.3% 95.8% 92.7%
NPL ratio 5.6% 5.2% 5.3%
Currency split
CEE-LCY 0 0 0
CHF 0 0 0
EUR 7,181 7,199 7,274
USD 6 7 6
Other 11 17 16
Hungary
Low risk 2,728 2,805 2,815
Management attention 1,326 1,193 1,080
Substandard 399 314 279
Non-performing 1,528 1,515 1,544
Gross customer loans 5,982 5,828 5,717
Allowances for customer loans 971 965 977
NPL coverage (exc collateral) 63.6% 63.7% 63.3%
NPL ratio 25.5% 26.0% 27.0%
Currency split
CEE-LCY 1,753 1,701 1,764
CHF 2,866 2,770 2,727
EUR 1,360 1,352 1,222
USD 3 5 4
Other 0 0 0
Croatia
Low risk 3,822 3,970 3,989
Management attention 1,272 1,218 1,232
Substandard 386 352 351
Non-performing 1,160 1,283 1,300
Gross customer loans 6,641 6,823 6,871
Allowances for customer loans 586 627 662
NPL coverage (exc collateral) 50.5% 48.9% 50.9%
NPL ratio 17.5% 18.8% 18.9%
Currency split
CEE-LCY 1,250 1,497 1,514
CHF 677 654 645
EUR 4,640 4,595 4,637
USD 71 73 68
Other 3 3 7
Serbia
Low risk 401 384 395
Management attention 90 92 93
Substandard 12 12 8
Non-performing 73 75 79
Gross customer loans 575 563 575
Allowances for customer loans 59 61 63
NPL coverage (exc collateral) 80.8% 81.9% 80.5%
NPL ratio 12.7% 13.3% 13.7%
Currency split
CEE-LCY 120 122 125
CHF 17 17 17
EUR 433 419 430
USD 4 4 4
Other 0 0 0
Geographic segments by Basel 2 customer segments
Total group
Total retail 63,121 63,027 63,442
Private individuals 50,743 50,729 51,079
Micros 12,378 12,299 12,363
Total corporate 67,214 66,729 66,050
Corporate 59,737 59,400 58,657
Public sector 7,477 7,329 7,393
Gross customer loans 130,335 129,756 129,492
Austria
Total retail 34,340 34,339 34,654
Private individuals 24,582 24,621 24,892
Micros 9,757 9,718 9,763
Total corporate 44,309 44,072 43,707
Corporate 40,366 40,405 40,036
Public sector 3,943 3,667 3,671
Gross customer loans 78,649 78,411 78,361
EBOe & Subsidiaries
Total retail 14,414 14,426 14,576
Private individuals 11,624 11,598 11,674
Micros 2,789 2,828 2,902
Total corporate 13,348 13,447 13,520
Corporate 11,595 11,912 11,988
Public sector 1,753 1,534 1,533
Gross customer loans 27,762 27,872 28,096
Savings Banks
Total retail 19,499 19,526 19,712
Private individuals 12,901 12,960 13,154
Micros 6,598 6,566 6,558
Total corporate 17,815 17,884 17,787
Corporate 16,196 16,278 16,162
Public sector 1,619 1,606 1,625
Gross customer loans 37,315 37,410 37,499
Other Austria
Total retail 427 387 367
Private individuals 57 63 63
Micros 370 324 303
Total corporate 13,145 12,741 12,399
Corporate 12,574 12,214 11,885
Public sector 571 527 514
Gross customer loans 13,573 13,128 12,766
Central and Eastern Europe
Total retail 28,765 28,674 28,775
Private individuals 26,144 26,093 26,174
Micros 2,621 2,581 2,601
Total corporate 22,511 22,274 21,987
Corporate 19,020 18,649 18,299
Public sector 3,491 3,625 3,687
Gross customer loans 51,276 50,948 50,761
Czech Republic
Total retail 11,404 11,393 11,588
Private individuals 9,902 9,924 10,141
Micros 1,502 1,469 1,447
Total corporate 7,792 7,719 7,756
Corporate 7,123 7,052 7,073
Public sector 669 667 683
Gross customer loans 19,196 19,112 19,343
Slovakia
Total retail 5,190 5,233 5,284
Private individuals 4,901 4,931 4,969
Micros 289 302 315
Total corporate 2,007 1,990 2,012
Corporate 1,775 1,755 1,770
Public sector 232 235 242
Gross customer loans 7,198 7,223 7,296
Romania
Total retail 5,244 5,203 5,127
Private individuals 4,645 4,620 4,516
Micros 599 583 612
Total corporate 6,440 6,196 5,831
Corporate 5,226 4,970 4,615
Public sector 1,214 1,226 1,215
Gross customer loans 11,685 11,399 10,958
Hungary
Total retail 3,932 3,822 3,778
Private individuals 3,894 3,789 3,741
Micros 38 33 37
Total corporate 2,050 2,006 1,939
Corporate 1,685 1,669 1,607
Public sector 365 337 333
Gross customer loans 5,982 5,828 5,717
Croatia
Total retail 2,782 2,809 2,782
Private individuals 2,604 2,629 2,603
Micros 178 180 179
Total corporate 3,859 4,014 4,089
Corporate 2,851 2,857 2,877
Public sector 1,007 1,156 1,212
Gross customer loans 6,641 6,823 6,871
Serbia
Total retail 212 214 215
Private individuals 199 201 203
Micros 14 13 12
Total corporate 363 349 360
Corporate 360 346 357
Public sector 3 3 3
Gross customer loans 575 563 575
Other
Total retail 16 14 13
Private individuals 16 14 13
Micros 0 0 0
Total corporate 394 383 356
Corporate 351 346 322
Public sector 43 37 35
Gross customer loans 410 397 370
Q4 13 Q1 14
95,263 95,070
16,582 16,724
3,557 3,434
12,296 12,238
127,698 127,465
7,753 7,660
63.1% 62.6%
9.6% 9.6%
24,084 24,073
10,673 10,245
89,610 89,898
1,647 1,577
1,685 1,672
1,419 1,378
449 439
82 64
267 277
2,218 2,159
171 173
64.2% 62.4%
12.0% 12.8%
279 261
97 94
5 5
58 40
439 400
42 25
72.3% 63.0%
13.2% 9.9%
5,814 6,091
1,454 1,342
414 270
1,635 1,765
9,316 9,468
1,111 1,058
67.9% 60.0%
17.5% 18.6%
2,172 2,153
332 290
88 76
205 202
2,797 2,721
126 120
61.7% 59.6%
7.3% 7.4%
3,846 3,852
1,091 1,164
159 145
1,647 1,569
6,743 6,731
1,034 1,000
62.8% 63.7%
24.4% 23.3%
2,270 2,213
332 381
48 48
577 571
3,228 3,213
329 360
57.1% 63.0%
17.9% 17.8%
5,276 5,267
1,366 1,332
273 271
1,462 1,473
8,376 8,342
924 897
63.2% 60.9%
17.5% 17.7%
2,590 2,571
535 525
70 49
321 315
3,516 3,460
234 217
73.1% 68.9%
9.1% 9.1%
1,976 1,943
838 825
200 218
807 779
3,822 3,765
390 401
48.4% 51.5%
21.1% 20.7%
4,662 4,814
463 491
34 104
418 348
5,576 5,757
254 238
60.7% 68.4%
7.5% 6.0%
2,806 2,709
254 305
21 90
302 255
3,382 3,359
163 181
53.9% 71.1%
8.9% 7.6%
15,759 15,656
2,458 2,332
523 544
1,236 1,270
19,975 19,802
746 745
60.3% 58.7%
6.2% 6.4%
3,368 3,259
765 947
159 174
451 441
4,743 4,821
304 291
67.5% 66.1%
9.5% 9.1%
5,749 5,576
268 236
22 3
22 16
6,062 5,831
17 15
76.8% 95.8%
0.4% 0.3%
1,817 1,698
419 454
58 63
351 353
2,646 2,568
81 119
23.0% 33.7%
13.3% 13.8%
40,509 40,502
6,033 6,103
1,336 1,361
3,389 3,364
51,266 51,329
2,244 2,275
66.2% 67.6%
6.6% 6.6%
27 50
15 149
132 85
27 28
202 311
75 85
278.2% 307.2%
13.3% 8.8%
88,949 88,978
15,079 15,203
3,222 3,110
11,174 11,073
118,424 118,364
7,046 6,945
63.1% 62.7%
9.4% 9.4%
53,355 53,345
7,182 7,670
1,034 1,168
3,088 3,021
64,659 65,204
1,917 1,922
62.1% 63.6%
4.8% 4.6%
15,958 16,073
2,269 2,107
473 506
1,074 1,070
19,774 19,755
753 775
70.1% 72.4%
5.4% 5.4%
5,133 5,085
2,144 2,152
690 428
3,241 3,240
11,208 10,905
2,125 1,987
65.6% 61.3%
28.9% 29.7%
6,446 6,579
793 728
255 292
458 452
7,952 8,051
388 388
84.8% 85.8%
5.8% 5.6%
3,104 2,919
1,201 1,135
291 244
1,663 1,590
6,260 5,888
968 935
58.2% 58.8%
26.6% 27.0%
4,334 4,397
1,318 1,292
435 395
1,511 1,554
7,597 7,638
797 837
52.8% 53.8%
19.9% 20.4%
619 580
172 120
45 77
139 146
974 922
98 101
70.2% 69.2%
14.3% 15.8%
4,190 3,969
909 914
253 243
823 858
6,176 5,984
328 331
39.8% 38.6%
13.3% 14.3%
762 796
127 43
28 24
80 77
997 940
51 46
63.7% 59.6%
8.0% 8.2%
1,361 1,327
467 564
53 57
220 229
2,100 2,177
156 162
71.2% 70.6%
10.5% 10.5%
991 937
443 541
52 57
197 208
1,683 1,742
153 159
77.8% 76.5%
11.7% 11.9%
178 191
11 10
0 0
17 15
206 217
1 1
3.4% 4.0%
8.2% 7.0%
51 62
2 1
0 0
0 0
53 63
1 0
307.4% 123.3%
0.5% 0.4%
141 137
11 13
0 0
6 6
159 155
2 2
31.9% 31.2%
3.7% 3.8%
37,190 37,266
4,704 4,728
1,215 1,229
3,466 3,410
46,576 46,633
2,361 2,363
68.1% 69.3%
7.4% 7.3%
16,523 15,673
3,134 2,695
568 440
3,413 2,657
23,638 21,465
2,124 1,590
62.2% 59.8%
14.4% 12.4%
127 149
9 8
6 9
17 20
159 186
14 14
83.2% 70.6%
10.6% 10.8%
5,362 6,434
698 1,100
239 121
535 1,303
6,834 8,959
415 864
77.7% 66.3%
7.8% 14.5%
5,747 5,623
1,699 1,446
565 569
2,146 2,128
10,157 9,766
1,210 1,177
56.4% 55.3%
21.1% 21.8%
1,331 1,245
322 290
59 36
126 143
1,838 1,714
73 73
58.1% 50.8%
6.8% 8.3%
207 215
30 39
0 0
0 0
238 254
0 1
432.0% 63166.3%
0.0% 0.0%
208 186
87 457
25 69
22 20
343 732
4 8
20.0% 39.8%
6.5% 2.7%
61,666 61,250
9,596 9,591
1,666 1,748
5,280 5,231
78,207 77,819
3,102 3,092
58.7% 59.1%
6.8% 6.7%
0 0
7,515 7,181
67,764 67,768
1,287 1,237
1,642 1,633
24,586 24,607
2,145 2,280
247 272
1,070 986
28,049 28,145
682 673
63.7% 68.2%
3.8% 3.5%
0 0
2,718 2,664
25,065 25,226
42 39
225 216
28,566 28,279
5,898 5,960
880 960
2,571 2,557
37,915 37,755
1,551 1,572
60.3% 61.5%
6.8% 6.8%
0 0
4,594 4,413
32,536 32,533
96 94
690 715
8,514 8,364
1,552 1,350
539 517
1,638 1,688
12,243 11,920
868 847
53.0% 50.2%
13.4% 14.2%
0 0
203 104
10,163 10,009
1,150 1,104
727 702
33,388 33,553
6,881 6,639
1,866 1,596
6,994 6,966
49,130 48,755
4,647 4,523
66.4% 64.9%
14.2% 14.3%
24,084 24,059
3,154 3,059
21,537 21,304
312 294
43 39
15,360 15,496
1,875 1,844
410 395
850 849
18,495 18,584
667 685
78.4% 80.7%
4.6% 4.6%
16,920 17,043
5 5
1,498 1,464
56 55
17 16
4,652 4,609
2,103 2,026
645 391
3,052 3,047
10,453 10,073
2,043 1,895
66.9% 62.2%
29.2% 30.3%
3,862 3,827
0 0
6,398 6,085
184 153
8 8
6,204 6,332
624 592
234 266
407 405
7,469 7,595
352 354
86.4% 87.4%
5.4% 5.3%
0 0
0 0
7,450 7,577
6 5
13 13
2,741 2,630
984 895
234 219
1,421 1,354
5,380 5,098
884 841
62.2% 62.1%
26.4% 26.6%
1,648 1,521
2,538 2,452
1,192 1,109
2 16
0 0
4,048 4,111
1,210 1,199
333 315
1,179 1,212
6,771 6,837
635 675
53.9% 55.6%
17.4% 17.7%
1,526 1,539
594 585
4,584 4,651
61 60
5 1
383 375
84 83
10 11
86 99
562 567
66 74
76.6% 74.8%
15.3% 17.4%
127 128
16 17
415 419
4 4
0 0
62,695 62,588
50,390 50,442
12,305 12,146
65,003 64,878
57,344 57,356
7,659 7,521
127,698 127,465
34,477 34,288
24,752 24,810
9,725 9,478
43,729 43,531
39,908 39,786
3,822 3,746
78,207 77,819
14,372 14,337
11,498 11,490
2,874 2,847
13,677 13,808
12,093 12,230
1,584 1,577
28,049 28,145
19,879 19,875
13,242 13,319
6,638 6,556
18,035 17,880
16,300 16,247
1,735 1,633
37,915 37,755
225 76
12 1
214 75
12,017 11,844
11,515 11,308
502 536
12,243 11,920
28,203 28,251
25,624 25,600
2,579 2,651
20,927 20,503
17,118 16,755
3,808 3,749
49,130 48,755
11,045 11,066
9,641 9,626
1,404 1,440
7,450 7,518
6,793 6,854
656 664
18,495 18,584
5,412 5,544
5,092 5,217
320 327
2,057 2,051
1,700 1,687
357 364
7,469 7,595
5,018 4,928
4,440 4,400
578 528
5,435 5,145
4,212 3,958
1,223 1,186
10,453 10,073
3,648 3,552
3,620 3,526
28 26
1,732 1,546
1,410 1,260
321 286
5,380 5,098
2,778 2,835
2,624 2,620
154 215
3,993 4,002
2,745 2,756
1,248 1,246
6,771 6,837
302 326
207 211
95 115
261 242
258 239
2 2
562 567
15 49
15 32
0 17
346 843
318 816
29 27
361 891
Asset quality (gross exposure)
in EUR million Q1 13 Q2 13 Q3 13
Total group
Low risk 179,662 176,315 174,654
Management attention 21,808 21,059 20,145
Substandard 4,960 4,657 4,716
Non-performing 12,647 12,969 12,917
Gross exposure 219,077 215,000 212,431
Allowances for gross exposure 7,907 8,040 8,104
NPE coverage ratio 62.5% 62.0% 62.7%
NPE ratio 5.8% 6.0% 6.1%
Currency split
CEE-LCY 47,469 46,216 45,333
CHF 12,416 11,730 11,609
EUR 147,846 145,233 144,618
USD 4,612 5,341 4,529
Other 6,734 6,480 6,343
Industry split (NACE Code)
Agriculture and forestry
Low risk 1,529 1,485 1,553
Management attention 548 544 530
Substandard 65 73 63
Non-performing 248 278 271
Gross exposure 2,390 2,380 2,417
Allowances for gross exposure 164 172 172
NPE coverage ratio 65.9% 62.0% 63.3%
NPE ratio 10.4% 11.7% 11.2%
Mining
Low risk 376 362 396
Management attention 111 98 113
Substandard 12 11 5
Non-performing 68 80 89
Gross exposure 567 551 603
Allowances for gross exposure 62 69 66
NPE coverage ratio 90.0% 86.2% 74.5%
NPE ratio 12.1% 14.6% 14.7%
Manufacturing
Low risk 9,626 9,153 9,237
Management attention 2,410 2,251 1,973
Substandard 565 561 494
Non-performing 1,754 1,805 1,770
Gross exposure 14,356 13,769 13,474
Allowances for gross exposure 1,114 1,159 1,134
NPE coverage ratio 63.5% 64.2% 64.1%
NPE ratio 12.2% 13.1% 13.1%
Energy and water supply
Low risk 2,892 2,871 3,102
Management attention 334 432 347
Substandard 56 64 127
Non-performing 262 268 238
Gross exposure 3,544 3,635 3,814
Allowances for gross exposure 127 131 149
NPE coverage ratio 48.4% 48.8% 62.8%
NPE ratio 7.4% 7.4% 6.2%
Construction
Low risk 5,688 6,282 6,685
Management attention 1,896 1,778 1,561
Substandard 267 265 261
Non-performing 1,812 1,800 1,848
Gross exposure 9,663 10,125 10,356
Allowances for gross exposure 1,005 1,039 1,079
NPE coverage ratio 55.5% 57.7% 58.4%
NPE ratio 18.7% 17.8% 17.8%
Development of building projects
Low risk 2,520 2,382 2,749
Management attention 413 430 343
Substandard 43 66 79
Non-performing 634 582 642
Gross exposure 3,610 3,461 3,813
Allowances for gross exposure 293 163 340
NPE coverage ratio 46.3% 28.1% 53.0%
NPE ratio 17.6% 16.8% 16.8%
Trade
Low risk 7,525 7,247 7,161
Management attention 1,762 1,728 1,691
Substandard 504 491 376
Non-performing 1,382 1,388 1,471
Gross exposure 11,174 10,854 10,700
Allowances for gross exposure 880 894 943
NPE coverage ratio 63.7% 64.4% 64.1%
NPE ratio 12.4% 12.8% 13.8%
Transport and communication
Low risk 3,848 4,089 4,197
Management attention 793 772 777
Substandard 59 100 83
Non-performing 412 383 369
Gross exposure 5,112 5,344 5,426
Allowances for gross exposure 293 276 259
NPE coverage ratio 71.0% 71.9% 70.3%
NPE ratio 8.1% 7.2% 6.8%
Hotels and restaurants
Low risk 2,457 2,396 2,312
Management attention 935 904 930
Substandard 302 302 300
Non-performing 796 828 806
Gross exposure 4,491 4,429 4,347
Allowances for gross exposure 375 391 369
NPE coverage ratio 47.1% 47.3% 45.9%
NPE ratio 17.7% 18.7% 18.5%
Financial and insurance services
Low risk 38,899 36,074 32,580
Management attention 1,262 1,131 909
Substandard 95 112 200
Non-performing 339 359 373
Gross exposure 40,594 37,677 34,062
Allowances for gross exposure 294 277 291
NPE coverage ratio 86.8% 77.2% 78.0%
NPE ratio 0.8% 1.0% 1.1%
Holding companies
Low risk 4,402 4,709 4,919
Management attention 585 418 305
Substandard 37 65 156
Non-performing 173 205 225
Gross exposure 5,196 5,397 5,606
Allowances for gross exposure 107 113 122
NPE coverage ratio 61.9% 55.1% 54.3%
NPE ratio 3.3% 3.8% 4.0%
Real estate and housing
Low risk 17,568 17,544 17,531
Management attention 2,904 2,958 2,858
Substandard 685 623 573
Non-performing 1,307 1,376 1,320
Gross exposure 22,464 22,501 22,282
Allowances for gross exposure 730 763 752
NPE coverage ratio 55.9% 55.4% 57.0%
NPE ratio 5.8% 6.1% 5.9%
Services
Low risk 4,656 4,424 4,368
Management attention 992 920 959
Substandard 177 177 172
Non-performing 515 497 502
Gross exposure 6,339 6,019 6,002
Allowances for gross exposure 331 320 337
NPE coverage ratio 64.3% 64.5% 67.0%
NPE ratio 8.1% 8.3% 8.4%
Public administration
Low risk 38,957 38,353 39,055
Management attention 500 439 487
Substandard 85 28 31
Non-performing 41 29 31
Gross exposure 39,582 38,849 39,605
Allowances for gross exposure 34 29 32
NPE coverage ratio 83.1% 102.4% 101.0%
NPE ratio 0.1% 0.1% 0.1%
Education, health and art
Low risk 1,991 2,010 2,011
Management attention 637 518 629
Substandard 46 46 53
Non-performing 200 265 257
Gross exposure 2,874 2,839 2,950
Allowances for gross exposure 88 86 84
NPE coverage ratio 43.8% 32.4% 32.6%
NPE ratio 7.0% 9.3% 8.7%
Households
Low risk 43,179 43,511 43,997
Management attention 6,667 6,546 6,335
Substandard 1,471 1,265 1,349
Non-performing 3,470 3,582 3,541
Gross exposure 54,787 54,904 55,220
Allowances for gross exposure 2,319 2,342 2,324
NPE coverage ratio 66.8% 65.4% 65.6%
NPE ratio 6.3% 6.5% 6.4%
Other
Low risk 471 514 468
Management attention 56 40 48
Substandard 570 539 627
Non-performing 41 31 31
Gross exposure 1,139 1,124 1,173
Allowances for gross exposure 94 93 112
NPE coverage ratio 225.8% 304.1% 366.2%
NPE ratio 3.6% 2.7% 2.6%
Country of origination split
Core markets
Low risk 143,972 143,560 143,768
Management attention 19,694 18,992 18,378
Substandard 4,460 4,187 4,164
Non-performing 11,526 11,885 11,745
Gross exposure 179,652 178,624 178,055
Allowances for gross exposure 7,188 7,315 7,354
NPE coverage ratio 62.4% 61.5% 62.6%
NPE ratio 6.4% 6.7% 6.6%
Austria
Low risk 74,953 74,808 75,370
Management attention 8,305 8,153 7,973
Substandard 1,657 1,663 1,625
Non-performing 3,311 3,376 3,331
Gross exposure 88,226 88,000 88,299
Allowances for gross exposure 2,077 2,066 2,050
NPE coverage ratio 62.7% 61.2% 61.5%
NPE ratio 3.8% 3.8% 3.8%
Czech Republic
Low risk 30,832 29,779 29,590
Management attention 3,666 3,307 3,194
Substandard 708 673 652
Non-performing 1,058 1,085 1,016
Gross exposure 36,263 34,843 34,453
Allowances for gross exposure 761 766 768
NPE coverage ratio 71.9% 70.7% 75.6%
NPE ratio 2.9% 3.1% 3.0%
Romania
Low risk 10,632 10,802 10,998
Management attention 3,026 3,122 2,784
Substandard 838 636 730
Non-performing 3,516 3,610 3,513
Gross exposure 18,011 18,170 18,025
Allowances for gross exposure 2,131 2,218 2,215
NPE coverage ratio 60.6% 61.4% 63.1%
NPE ratio 19.5% 19.9% 19.5%
Slovakia
Low risk 13,293 13,110 13,338
Management attention 1,129 1,103 1,107
Substandard 250 287 260
Non-performing 454 449 471
Gross exposure 15,126 14,949 15,176
Allowances for gross exposure 412 411 411
NPE coverage ratio 90.6% 91.4% 87.2%
NPE ratio 3.0% 3.0% 3.1%
Hungary
Low risk 7,107 7,762 7,417
Management attention 1,626 1,440 1,358
Substandard 466 396 359
Non-performing 1,703 1,765 1,784
Gross exposure 10,902 11,363 10,919
Allowances for gross exposure 1,045 1,041 1,054
NPE coverage ratio 61.3% 59.0% 59.1%
NPE ratio 15.6% 15.5% 16.3%
Croatia
Low risk 6,338 6,557 6,299
Management attention 1,618 1,549 1,593
Substandard 491 493 494
Non-performing 1,369 1,481 1,509
Gross exposure 9,816 10,080 9,895
Allowances for gross exposure 675 728 766
NPE coverage ratio 49.3% 49.1% 50.8%
NPE ratio 13.9% 14.7% 15.3%
Serbia
Low risk 817 742 756
Management attention 325 318 368
Substandard 50 39 44
Non-performing 115 120 121
Gross exposure 1,307 1,219 1,289
Allowances for gross exposure 88 85 91
NPE coverage ratio 76.5% 71.3% 74.9%
NPE ratio 8.8% 9.8% 9.4%
Other EU
Low risk 31,074 28,185 26,156
Management attention 1,319 1,250 1,083
Substandard 363 336 423
Non-performing 771 730 781
Gross exposure 33,526 30,502 28,444
Allowances for gross exposure 337 324 315
NPE coverage ratio 43.7% 44.4% 40.4%
NPE ratio 2.3% 2.4% 2.7%
Other industrialised countries
Low risk 2,275 2,171 2,234
Management attention 129 131 84
Substandard 17 18 33
Non-performing 130 125 140
Gross exposure 2,551 2,445 2,491
Allowances for gross exposure 112 99 103
NPE coverage ratio 85.6% 79.7% 73.6%
NPE ratio 5.1% 5.1% 5.6%
Emerging markets
Low risk 2,341 2,399 2,495
Management attention 666 685 599
Substandard 121 117 96
Non-performing 220 229 251
Gross exposure 3,348 3,429 3,441
Allowances for gross exposure 163 171 180
NPE coverage ratio 73.9% 74.6% 71.5%
NPE ratio 6.6% 6.7% 7.3%
Southeastern Europe/CIS
Low risk 1,512 1,468 1,516
Management attention 593 611 538
Substandard 113 110 88
Non-performing 189 201 223
Gross exposure 2,407 2,390 2,364
Allowances for gross exposure 148 159 166
NPE coverage ratio 77.9% 79.4% 74.7%
NPE ratio 7.9% 8.4% 9.4%
Asia
Low risk 505 574 566
Management attention 12 12 10
Substandard 0 0 0
Non-performing 17 19 19
Gross exposure 533 605 596
Allowances for gross exposure 8 8 10
NPE coverage ratio 50.2% 43.7% 53.0%
NPE ratio 3.1% 3.1% 3.2%
Latin America
Low risk 83 50 49
Management attention 17 18 17
Substandard 0 0 0
Non-performing 8 3 3
Gross exposure 109 71 69
Allowances for gross exposure 5 1 1
NPE coverage ratio 59.5% 28.9% 29.2%
NPE ratio 7.5% 4.8% 5.0%
Middle East/Africa
Low risk 241 307 364
Management attention 44 44 34
Substandard 7 6 8
Non-performing 6 6 6
Gross exposure 299 363 412
Allowances for gross exposure 2 2 2
NPE coverage ratio 34.7% 34.7% 35.8%
NPE ratio 2.1% 1.6% 1.4%
Business line segmentation
Retail
Low risk 41,432 41,839 42,346
Management attention 5,712 5,604 5,413
Substandard 1,384 1,168 1,258
Non-performing 3,634 3,663 3,666
Gross exposure 52,162 52,273 52,684
Allowances for gross exposure 2,519 2,499 2,505
NPE coverage ratio 69.3% 68.2% 68.3%
NPE ratio 7.0% 7.0% 7.0%
SME
Low risk 20,403 20,172 20,795
Management attention 4,850 4,659 4,382
Substandard 905 797 708
Non-performing 3,518 3,665 3,648
Gross exposure 29,677 29,293 29,534
Allowances for gross exposure 2,142 2,238 2,227
NPE coverage ratio 60.9% 61.1% 61.0%
NPE ratio 11.9% 12.5% 12.4%
ALM & LCC
Low risk 30,571 29,263 29,437
Management attention 193 234 188
Substandard 430 428 446
Non-performing 22 20 18
Gross exposure 31,216 29,944 30,088
Allowances for gross exposure 13 18 31
NPE coverage ratio 59.8% 90.1% 172.5%
NPE ratio 0.1% 0.1% 0.1%
Total corporate
Low risk 10,480 10,985 10,928
Management attention 1,702 1,492 1,377
Substandard 354 385 353
Non-performing 790 784 799
Gross exposure 13,326 13,645 13,457
Allowances for gross exposure 528 524 530
NPE coverage ratio 66.8% 66.8% 66.3%
NPE ratio 5.9% 5.7% 5.9%
Commercial Real Estate
Low risk 7,054 6,876 6,616
Management attention 2,107 1,926 1,984
Substandard 698 698 795
Non-performing 1,934 2,039 2,001
Gross exposure 11,793 11,539 11,396
Allowances for gross exposure 1,026 1,079 1,157
NPE coverage ratio 53.1% 52.9% 57.8%
NPE ratio 16.4% 17.7% 17.6%
Other Corporate
Low risk 2,916 2,693 2,612
Management attention 126 153 106
Substandard 29 23 49
Non-performing 97 88 89
Gross exposure 3,168 2,958 2,856
Allowances for gross exposure 92 77 79
NPE coverage ratio 95.0% 86.8% 89.0%
NPE ratio 3.1% 3.0% 3.1%
Group Markets
Low risk 25,323 23,034 19,948
Management attention 287 156 154
Substandard 16 20 10
Non-performing 3 6 6
Gross exposure 25,629 23,217 20,118
Allowances for gross exposure 0 1 1
NPE coverage ratio 10.4% 11.7% 24.9%
NPE ratio 0.0% 0.0% 0.0%
Group Corporate Center
Low risk 507 461 434
Management attention 141 167 152
Substandard 25 25 25
Non-performing 0 2 2
Gross exposure 673 656 614
Allowances for gross exposure 1 1 1
NPE coverage ratio 6579.4% 23.5% 25.4%
NPE ratio 0.0% 0.4% 0.4%
Geographic segmentation
Austria
Low risk 106,358 105,058 103,206
Management attention 11,515 11,162 10,821
Substandard 2,148 2,104 2,264
Non-performing 5,097 5,311 5,301
Gross exposure 125,118 123,635 121,592
Allowances for gross exposure 3,145 3,168 3,159
NPE coverage ratio 61.7% 59.7% 59.6%
NPE ratio 4.1% 4.3% 4.4%
Currency split 0 0 0
CEE-LCY 0 0 0
CHF 8,754 8,222 8,156
EUR 106,374 104,998 104,163
USD 3,719 4,418 3,741
Other 6,271 5,997 5,533
EBOe & Subsidiaries
Low risk 31,194 31,370 31,641
Management attention 2,416 2,363 2,248
Substandard 334 372 460
Non-performing 1,096 1,125 1,097
Gross exposure 35,040 35,230 35,446
Allowances for gross exposure 718 735 712
NPE coverage ratio 65.6% 65.3% 64.9%
NPE ratio 3.1% 3.2% 3.1%
Currency split 0 0 0
CEE-LCY 0 0 0
CHF 3,162 2,916 2,858
EUR 31,432 31,914 32,225
USD 88 89 83
Other 358 310 280
Savings Banks
Low risk 40,975 40,992 41,539
Management attention 6,690 6,668 6,389
Substandard 1,119 1,114 1,071
Non-performing 2,649 2,701 2,688
Gross exposure 51,432 51,475 51,686
Allowances for gross exposure 1,585 1,605 1,573
NPE coverage ratio 59.9% 59.4% 58.5%
NPE ratio 5.2% 5.2% 5.2%
Currency split 0 0 0
CEE-LCY 0 0 0
CHF 5,207 4,955 4,855
EUR 45,113 45,492 45,774
USD 149 143 134
Other 962 886 922
Other Austria
Low risk 34,189 32,697 30,027
Management attention 2,409 2,131 2,184
Substandard 695 618 734
Non-performing 1,353 1,485 1,516
Gross exposure 38,645 36,931 34,460
Allowances for gross exposure 841 828 875
NPE coverage ratio 62.2% 55.7% 57.7%
NPE ratio 3.5% 4.0% 4.4%
Currency split 0 0 0
CEE-LCY 0 0 0
CHF 385 350 443
EUR 29,828 27,592 26,164
USD 3,482 4,186 3,523
Other 4,950 4,802 4,330
Central and Eastern Europe
Low risk 64,539 62,970 62,518
Management attention 10,061 9,591 9,087
Substandard 2,464 2,215 2,121
Non-performing 7,548 7,655 7,614
Gross exposure 84,612 82,431 81,339
Allowances for gross exposure 4,756 4,863 4,943
NPE coverage ratio 63.0% 63.5% 64.9%
NPE ratio 8.9% 9.3% 9.4%
Currency split 0 0 0
CEE-LCY 47,469 46,215 45,332
CHF 3,581 3,458 3,407
EUR 32,706 31,936 31,800
USD 741 709 668
Other 114 112 133
Czech Republic
Low risk 31,617 30,467 30,030
Management attention 3,111 2,842 2,796
Substandard 599 600 531
Non-performing 1,034 1,013 928
Gross exposure 36,361 34,923 34,286
Allowances for gross exposure 741 735 732
NPE coverage ratio 71.7% 72.6% 78.9%
NPE ratio 2.8% 2.9% 2.7%
Currency split 0 0 0
CEE-LCY 32,102 31,004 30,361
CHF 6 6 5
EUR 4,089 3,760 3,751
USD 133 122 122
Other 31 31 47
Romania
Low risk 9,521 9,284 9,376
Management attention 3,002 3,067 2,657
Substandard 814 651 684
Non-performing 3,310 3,350 3,332
Gross exposure 16,647 16,351 16,048
Allowances for gross exposure 2,010 2,086 2,121
NPE coverage ratio 60.7% 62.3% 63.7%
NPE ratio 19.9% 20.5% 20.8%
Currency split 0 0 0
CEE-LCY 7,324 7,202 7,206
CHF 0 0 0
EUR 8,890 8,750 8,488
USD 386 357 312
Other 46 42 41
Slovakia
Low risk 10,656 10,410 10,616
Management attention 931 896 898
Substandard 228 261 243
Non-performing 420 396 410
Gross exposure 12,235 11,963 12,167
Allowances for gross exposure 375 372 371
NPE coverage ratio 89.2% 93.9% 90.5%
NPE ratio 3.4% 3.3% 3.4%
Currency split 0 0 0
CEE-LCY 0 0 0
CHF 0 0 0
EUR 12,184 11,896 12,095
USD 25 40 44
Other 26 27 27
Hungary
Low risk 6,118 5,951 5,601
Management attention 1,379 1,233 1,110
Substandard 402 317 281
Non-performing 1,533 1,520 1,549
Gross exposure 9,432 9,021 8,541
Allowances for gross exposure 973 970 982
NPE coverage ratio 63.5% 63.8% 63.4%
NPE ratio 16.2% 16.9% 18.1%
Currency split 0 0 0
CEE-LCY 5,089 4,777 4,503
CHF 2,879 2,779 2,738
EUR 1,447 1,447 1,278
USD 17 16 20
Other 1 2 2
Croatia
Low risk 6,138 6,365 6,373
Management attention 1,410 1,342 1,359
Substandard 408 372 374
Non-performing 1,177 1,300 1,316
Gross exposure 9,133 9,379 9,422
Allowances for gross exposure 596 636 672
NPE coverage ratio 50.7% 48.9% 51.0%
NPE ratio 12.9% 13.9% 14.0%
Currency split 0 0 0
CEE-LCY 2,672 2,969 2,936
CHF 678 655 646
EUR 5,607 5,584 5,670
USD 165 160 156
Other 10 10 13
Serbia
Low risk 488 494 521
Management attention 228 212 267
Substandard 14 14 8
Non-performing 74 76 79
Gross exposure 804 795 875
Allowances for gross exposure 61 64 65
NPE coverage ratio 82.1% 83.6% 82.3%
NPE ratio 9.3% 9.6% 9.0%
Currency split 0 0 0
CEE-LCY 282 264 326
CHF 17 17 17
EUR 489 500 518
USD 15 14 13
Other 1 0 1
Q4 13 Q1 14
173,192 175,242
19,969 19,641
4,302 4,641
12,828 12,650
210,291 212,174
8,029 7,953
62.6% 62.9%
6.1% 6.0%
44,172 42,396
11,551 11,876
143,531 146,841
4,790 4,716
6,246 6,345
1,580 1,548
471 460
84 66
270 280
2,405 2,355
173 175
64.1% 62.3%
11.2% 11.9%
390 378
131 128
5 5
63 45
589 555
44 27
69.4% 60.1%
10.7% 8.1%
9,373 9,703
1,763 1,636
451 314
1,702 1,828
13,290 13,482
1,147 1,098
67.4% 60.1%
12.8% 13.6%
3,225 3,190
410 370
96 83
217 212
3,948 3,854
130 126
60.0% 59.4%
5.5% 5.5%
6,878 6,599
1,471 1,510
198 181
1,811 1,712
10,358 10,003
1,110 1,082
61.3% 63.2%
17.5% 17.1%
2,858 2,747
385 473
48 49
600 573
3,892 3,842
331 362
55.1% 63.2%
15.4% 14.9%
7,139 7,381
1,597 1,565
310 290
1,536 1,538
10,583 10,775
943 921
61.4% 59.9%
14.5% 14.3%
4,438 4,301
588 576
73 51
335 328
5,434 5,256
245 228
73.1% 69.5%
6.2% 6.2%
2,318 2,293
908 903
230 253
864 826
4,320 4,275
397 410
46.0% 49.6%
20.0% 19.3%
32,569 34,246
1,694 1,282
49 131
497 365
34,808 36,025
327 302
65.9% 82.8%
1.4% 1.0%
4,722 4,500
329 335
23 95
311 264
5,386 5,194
165 189
52.9% 71.6%
5.8% 5.1%
17,454 17,563
2,720 2,551
556 569
1,244 1,277
21,974 21,961
760 764
61.1% 59.8%
5.7% 5.8%
4,684 4,625
895 1,080
170 188
464 453
6,213 6,346
318 307
68.6% 67.7%
7.5% 7.1%
37,224 37,381
548 567
32 3
22 16
37,827 37,967
20 16
89.8% 104.4%
0.1% 0.0%
2,065 1,936
449 499
62 64
365 355
2,941 2,854
82 121
22.6% 34.1%
12.4% 12.4%
43,383 43,596
6,281 6,322
1,362 1,388
3,408 3,385
54,434 54,692
2,256 2,290
66.2% 67.6%
6.3% 6.2%
472 504
42 191
623 1,053
29 28
1,166 1,776
75 86
258.4% 307.2%
2.5% 1.6%
144,071 143,604
17,981 17,656
3,918 4,260
11,591 11,437
177,560 176,958
7,246 7,174
62.5% 62.7%
6.5% 6.5%
75,710 75,973
8,225 8,865
1,599 2,200
3,289 3,214
88,824 90,252
2,044 2,078
62.2% 64.6%
3.7% 3.6%
29,635 28,122
2,695 2,500
532 557
1,098 1,094
33,959 32,273
765 786
69.7% 71.9%
3.2% 3.4%
10,729 11,262
3,080 2,514
704 440
3,346 3,293
17,860 17,508
2,149 2,013
64.2% 61.1%
18.7% 18.8%
13,640 13,903
879 823
269 307
509 505
15,299 15,538
406 402
79.7% 79.7%
3.3% 3.2%
7,177 7,039
1,334 1,211
292 245
1,671 1,597
10,474 10,091
975 942
58.4% 59.0%
16.0% 15.8%
6,448 6,627
1,440 1,441
476 434
1,538 1,589
9,902 10,092
806 849
52.4% 53.4%
15.5% 15.7%
731 678
327 302
45 77
139 146
1,242 1,203
101 104
72.2% 71.4%
11.2% 12.1%
23,681 25,952
1,195 1,234
296 281
865 894
26,037 28,361
338 340
39.1% 38.0%
3.3% 3.2%
2,867 3,493
153 54
30 25
132 80
3,182 3,653
101 90
76.8% 112.6%
4.1% 2.2%
2,574 2,192
641 697
57 74
240 239
3,511 3,202
168 170
69.9% 71.1%
6.8% 7.5%
1,442 1,383
596 645
57 60
205 214
2,300 2,301
162 164
79.0% 76.6%
8.9% 9.3%
675 473
12 11
0 0
17 15
704 500
2 2
10.4% 13.1%
2.4% 3.0%
67 63
2 15
0 0
3 3
72 82
1 0
26.9% 13.8%
4.6% 4.0%
389 273
30 26
0 14
15 6
435 319
3 3
21.1% 52.2%
3.4% 1.8%
41,264 41,528
4,994 5,025
1,244 1,259
3,487 3,428
50,989 51,240
2,376 2,379
68.2% 69.4%
6.8% 6.7%
22,620 19,549
3,845 3,162
639 485
3,553 2,726
30,657 25,923
2,190 1,641
61.6% 60.2%
11.6% 10.5%
27,428 27,759
429 260
126 171
30 21
28,013 28,211
18 17
61.4% 79.6%
0.1% 0.1%
10,826 12,528
896 1,468
266 162
653 1,467
12,642 15,625
476 948
72.9% 64.6%
5.2% 9.4%
6,309 6,171
1,780 1,522
580 580
2,210 2,163
10,879 10,436
1,217 1,188
55.1% 54.9%
20.3% 20.7%
3,232 3,113
455 429
78 58
189 152
3,955 3,751
129 118
68.4% 77.6%
4.8% 4.0%
17,864 21,724
279 301
30 50
3 3
18,176 22,079
1 1
18.2% 21.2%
0.0% 0.0%
1,197 725
620 589
317 779
22 20
2,156 2,114
8 18
33.8% 89.0%
1.0% 1.0%
102,356 105,738
10,902 11,078
2,015 2,140
5,603 5,492
120,876 124,448
3,294 3,290
58.8% 59.9%
4.6% 4.4%
0 0
0 0
8,347 8,761
103,091 105,758
3,788 4,015
5,650 5,914
31,423 31,602
2,447 2,592
400 453
1,143 1,058
35,413 35,706
719 714
62.9% 67.4%
3.2% 3.0%
0 0
0 0
2,729 2,679
32,378 32,739
69 62
237 226
42,451 42,145
6,670 6,885
1,022 1,095
2,681 2,671
52,824 52,796
1,614 1,643
60.2% 61.5%
5.1% 5.1%
0 0
0 0
4,638 4,458
47,160 47,298
135 132
892 908
28,482 31,991
1,785 1,601
593 591
1,778 1,763
32,638 35,946
961 933
54.0% 52.9%
5.4% 4.9%
0 0
0 0
980 1,624
23,553 25,720
3,584 3,820
4,521 4,781
62,162 61,282
8,355 7,855
1,969 1,700
7,202 7,117
79,688 77,954
4,727 4,607
65.6% 64.7%
9.0% 9.1%
0 0
44,171 42,381
3,157 3,063
31,559 31,752
688 611
113 147
30,174 28,587
2,353 2,297
464 451
874 860
33,865 32,194
681 697
77.9% 81.1%
2.6% 2.7%
0 0
29,925 28,144
5 6
3,757 3,865
131 124
47 56
8,979 9,465
2,624 2,379
659 402
3,168 3,114
15,431 15,359
2,079 1,934
65.6% 62.1%
20.5% 20.3%
0 0
7,045 7,238
0 0
8,072 7,831
283 229
31 61
11,015 11,278
661 636
245 279
453 458
12,374 12,651
365 368
80.4% 80.3%
3.7% 3.6%
0 0
0 0
0 0
12,297 12,576
56 56
20 19
5,064 4,940
1,111 963
235 220
1,425 1,358
7,834 7,481
890 846
62.5% 62.3%
18.2% 18.2%
0 0
3,996 3,808
2,540 2,453
1,244 1,181
53 39
2 1
6,402 6,503
1,365 1,350
357 336
1,195 1,228
9,319 9,417
644 686
53.9% 55.9%
12.8% 13.0%
0 0
2,894 2,901
595 586
5,671 5,769
147 152
12 9
528 509
241 232
10 11
86 99
865 851
67 75
77.9% 76.2%
10.0% 11.6%
0 0
312 290
17 18
516 531
18 11
2 1
Local entity data (IFRS, consolidated)
in EUR million
Česká spořitelna Group
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Slovenská sporiteľňa Group
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Banca Comercială Română Group
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Erste Bank Hungary Group
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Erste Bank Croatia Group
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Erste Bank Serbia
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Erste Bank Oesterreich & Subsidiaries
Income statement
Net interest income
Net fee and commission income
Dividend income
Net trading and fair value result
Net result from equity method investments
Rental income from investment properties & other operating leases
Personnel expenses
Other administrative expenses
Depreciation and amortisation
Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net
Net impairment loss on financial assets not measured at fair value through profit or loss
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Post-tax result from continuing operations
Post-tax result from discontinued operations
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Balance sheet
Assets
Cash and cash balances
Financial assets - held for trading
Derivatives
Other trading assets
Financial assets - at fair value through profit or loss
Financial assets - available for sale
Financial assets - held to maturity
Loans and receivables to credit institutions
Loans and receivables to customers
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Property and equipment
Investment properties
Intangible assets
Investments in associates and joint ventures
Current tax assets
Deferred tax assets
Assets held for sale
Other assets
Total assets
Liabilities and equity
Financial liabilities - held for trading
Derivatives
Other trading liabilities
Financial liabilities - at fair value through profit or loss
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Financial liabilities measured at amortised cost
Deposits from banks
Deposits from customers
Debt securities
Other financial liabilities
Derivatives - hedge accounting
Changes in fair value of portfolio hedged items
Provisions
Current tax liabilities
Deferred tax liabilities
Liabilities associated with assets held for sale
Other liabilities
Total equity
Equity attributable to non-controlling interests
Equity attributable to owners of the parent
Total liabilities and equity
Q1 13 Q2 13 Q3 13 Q4 13 Q1 14
270.3 262.1 263.9 253.1 244.5
114.7 108.1 105.7 106.5 101.6
0.0 1.7 0.2 0.1 0.4
17.9 24.6 21.7 20.0 21.5
0.0 0.0 0.0 0.0 0.0
8.6 8.1 7.7 7.5 8.0
-92.8 -89.5 -84.0 -80.8 -77.6
-69.9 -71.0 -76.5 -69.3 -66.3
-22.7 -22.3 -22.3 -20.7 -20.8
6.5 -0.6 -2.6 4.9 4.2
-36.8 -41.3 -34.8 -27.3 -35.6
9.0 11.0 -19.0 0.6 2.3
0.0 0.0 0.0 0.0 0.0
205.0 190.8 159.8 194.6 182.2
-40.6 -38.3 -31.6 -39.9 -36.2
164.4 152.6 128.2 154.7 146.0
0.0 0.0 0.0 0.0 0.0
164.4 152.6 128.2 154.7 146.0
0.0 -0.4 -0.1 0.1 0.3
164.4 152.9 128.3 154.7 145.8
1,067.2 1,881.4 2,082.5 2,828.6 2,694.5
2,874.8 2,622.3 2,298.9 1,739.8 1,514.4
964.2 793.3 790.3 771.8 790.1
1,910.5 1,829.0 1,508.6 968.0 724.3
274.5 256.9 200.1 154.0 153.2
1,737.8 1,718.4 2,110.4 3,000.5 2,388.3
7,130.5 6,300.9 5,665.8 5,641.2 5,185.5
2,925.3 2,417.5 2,348.0 2,747.2 2,078.7
18,483.1 18,398.5 18,634.0 17,836.2 17,907.5
40.7 36.5 42.6 34.5 32.6
0.0 0.0 0.0 0.0 0.0
558.9 550.3 547.3 516.5 506.9
368.3 329.3 312.1 303.7 303.1
118.7 115.6 119.2 121.5 116.5
8.1 8.8 6.9 1.2 1.2
6.8 10.3 6.6 3.7 4.8
4.7 4.6 4.6 4.6 5.5
0.0 0.0 0.0 0.0 0.0
2,458.0 2,274.0 2,285.5 386.9 411.6
38,057.4 36,925.4 36,664.6 35,320.1 33,304.3
1,015.2 854.5 827.6 875.9 900.4
1,015.0 854.3 827.3 875.9 900.4
0.3 0.2 0.3 0.0 0.0
663.3 597.0 569.1 526.3 509.1
0.0 0.0 0.0 0.0 0.0
591.8 527.0 498.2 460.0 448.8
71.5 70.0 70.9 66.3 60.3
0.0 0.0 0.0 0.0 0.0
30,131.5 29,414.5 29,027.3 29,739.3 27,495.5
2,117.4 2,062.1 1,577.6 2,662.9 2,263.2
26,629.5 26,123.4 26,195.4 26,031.9 24,277.4
1,384.6 1,229.0 1,254.3 1,044.4 954.8
0.0 0.0 0.0 0.0 0.0
8.9 9.6 9.1 15.4 18.5
0.0 0.0 0.0 0.0 0.0
103.1 94.3 94.4 94.6 90.1
11.4 3.1 5.4 15.1 18.0
10.5 13.2 10.4 3.7 8.8
0.0 0.0 0.0 0.0 0.0
2,331.4 2,346.3 2,359.6 368.2 440.5
3,781.8 3,592.9 3,761.8 3,681.7 3,823.5
3.6 1.0 1.0 11.5 11.8
3,778.1 3,591.9 3,760.8 3,670.2 3,811.7
38,057.0 36,925.5 36,664.6 35,320.1 33,304.3
109.2 112.0 115.3 111.5 111.9
29.1 29.3 28.6 30.5 29.9
0.0 0.2 0.1 0.0 0.3
1.4 2.7 3.9 3.7 2.7
0.3 1.0 0.7 0.8 0.7
0.4 0.5 0.5 0.5 0.4
-28.1 -29.8 -29.2 -31.8 -29.6
-18.9 -20.7 -21.1 -22.4 -24.0
-12.3 -12.0 -12.0 -12.3 -11.9
0.0 0.5 0.2 1.3 0.0
-14.3 -9.3 -6.0 -17.7 -12.7
-14.6 -11.7 -12.7 -8.2 -11.0
-10.5 -10.5 -10.1 -10.1 -10.3
52.3 62.8 68.4 55.9 56.8
-10.2 -13.3 -16.4 -14.1 -13.6
42.1 49.5 52.0 41.8 43.2
0.0 0.0 0.0 0.0 0.0
42.1 49.5 52.0 41.8 43.2
0.2 0.1 0.3 -0.2 0.2
41.9 49.4 51.7 42.0 43.1
358.3 311.0 303.4 330.0 279.0
63.4 63.0 58.8 50.7 53.5
63.4 63.0 58.8 50.7 53.5
0.0 0.0 0.0 0.0 0.0
29.5 30.9 31.2 31.2 27.2
1,356.7 921.6 922.4 859.4 888.3
2,583.4 2,745.3 2,775.9 2,764.9 2,832.7
188.2 69.4 39.5 80.1 38.2
6,889.2 6,919.6 6,977.7 7,161.2 7,294.5
6.6 6.0 5.1 5.1 6.1
22.1 0.0 0.0 0.0 0.0
226.3 221.7 215.2 210.2 204.1
2.9 2.8 2.8 2.8 3.4
99.3 96.2 95.3 97.2 94.9
25.5 23.4 24.0 24.8 25.4
18.3 0.0 0.0 0.0 0.0
59.0 56.9 56.5 36.6 35.1
0.0 0.0 0.0 0.0 0.0
43.4 59.8 69.4 44.8 22.8
11,972.0 11,527.6 11,577.0 11,699.0 11,805.1
67.0 66.4 61.6 52.0 54.8
67.0 66.4 61.6 52.0 54.8
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
10,476.7 10,094.0 10,070.9 10,212.2 10,216.2
878.0 812.4 726.0 424.4 349.3
8,938.9 8,600.8 8,673.2 9,090.6 9,125.9
659.7 680.8 671.7 697.2 741.0
0.0 0.0 0.0 0.0 0.0
21.7 17.6 17.8 18.2 19.7
6.5 0.0 0.0 0.0 0.0
27.7 25.1 26.1 23.9 24.1
0.0 8.3 16.5 2.6 6.8
0.0 0.0 0.0 0.3 0.3
0.0 0.0 0.0 0.0 0.0
127.3 129.4 144.1 98.7 143.7
1,245.1 1,186.8 1,240.1 1,291.2 1,339.5
3.0 3.1 3.4 3.2 3.4
1,242.1 1,183.7 1,236.7 1,288.0 1,336.1
11,972.0 11,527.6 11,577.0 11,699.0 11,805.1
164.3 160.4 156.4 147.7 143.1
36.0 38.2 42.6 52.3 39.1
0.0 2.3 0.0 0.0 0.0
26.0 24.5 26.1 23.2 19.6
0.0 0.0 0.0 0.8 0.2
0.9 1.5 1.3 1.3 1.2
-44.8 -41.9 -43.9 -42.6 -39.1
-36.8 -36.3 -35.4 -38.2 -31.1
-12.7 -13.0 -12.5 -11.3 -10.3
0.0 0.0 0.5 2.7 0.1
-114.9 -114.7 -116.8 -107.9 -110.3
-22.7 -15.9 -13.4 -19.0 -5.3
0.0 0.0 0.0 0.0 0.0
-4.8 5.1 5.0 9.1 7.3
2.4 124.9 -4.3 -1.8 -7.1
-2.3 130.0 0.7 7.3 0.2
0.0 0.0 0.0 0.0 0.0
-2.3 130.0 0.7 7.3 0.2
0.5 0.5 0.4 0.4 0.4
-2.8 129.5 0.3 6.9 -0.2
2,117.5 2,083.4 1,958.4 2,151.8 1,712.9
93.6 113.3 51.8 83.6 92.2
20.7 13.3 11.0 9.6 11.1
72.9 100.0 40.8 74.0 81.1
10.3 9.2 7.6 7.7 7.2
906.6 960.7 1,015.8 1,167.5 1,845.3
2,351.7 2,345.3 2,562.9 2,289.3 2,172.3
110.8 81.9 80.8 96.7 48.2
9,726.8 9,368.6 8,898.9 8,445.2 8,223.0
7.1 6.3 8.5 8.8 14.5
0.0 0.0 0.0 0.0 0.0
364.2 352.0 345.1 335.8 332.7
10.2 10.0 10.0 9.9 9.8
93.5 89.1 86.6 86.6 83.9
0.0 16.1 15.7 17.0 3.4
40.2 0.2 18.3 20.0 20.0
7.7 78.7 73.6 70.5 65.5
13.8 13.1 12.8 24.0 20.1
117.8 102.8 120.2 110.5 106.1
15,971.6 15,630.7 15,266.9 14,924.8 14,757.0
17.7 18.1 14.7 14.8 10.3
17.7 18.1 14.7 14.8 10.3
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
13,842.3 13,558.9 13,121.5 12,816.9 12,655.2
5,023.0 5,005.9 4,433.0 4,087.4 3,966.7
8,468.3 8,217.8 8,350.7 8,387.4 8,379.8
351.0 335.1 337.8 342.2 306.4
0.0 0.0 0.0 0.0 2.3
321.4 233.1 233.1 243.2 238.3
0.0 0.0 0.0 0.0 0.0
97.4 82.9 85.9 89.3 89.1
0.6 0.6 0.8 0.5 0.4
55.8 2.6 1.7 0.9 1.0
0.0 0.0 0.0 0.0 0.0
98.3 84.3 155.5 99.8 103.5
1,538.2 1,650.2 1,653.7 1,659.5 1,659.3
4.8 5.2 5.8 6.3 6.5
1,533.4 1,645.0 1,647.9 1,653.3 1,652.8
15,971.6 15,630.7 15,266.9 14,924.8 14,757.0
78.3 78.0 80.2 72.0 70.5
27.9 31.3 32.9 39.6 33.6
0.0 0.0 0.0 0.0 0.0
2.0 -3.9 2.0 3.9 -5.7
0.0 0.0 0.0 0.0 0.0
0.1 0.0 0.1 0.4 0.3
-22.4 -22.2 -22.4 -21.5 -20.8
-19.1 -17.3 -18.0 -17.8 -16.8
-4.3 -4.5 -4.5 -6.1 -4.6
0.0 0.0 0.0 0.0 0.0
-57.7 -52.7 -45.3 -45.6 -44.8
-21.7 -72.3 -16.6 -26.1 -61.6
-26.8 -53.5 -10.6 -12.4 -59.1
-16.8 -63.6 8.4 -1.1 -49.8
-3.6 -4.5 -3.2 0.5 -3.9
-20.5 -68.1 5.2 -0.6 -53.7
0.0 0.0 0.0 0.0 0.0
-20.5 -68.1 5.2 -0.6 -53.7
0.0 0.0 0.0 0.0 0.0
-20.5 -68.1 5.2 -0.6 -53.7
219.0 179.6 216.5 183.8 268.3
1,431.0 1,474.4 1,353.0 1,106.4 1,055.3
45.2 36.2 19.0 24.4 25.8
1,385.8 1,438.3 1,334.0 1,082.0 1,029.5
0.0 0.0 0.0 0.0 0.0
610.0 84.9 0.2 235.6 292.9
1,212.7 1,419.8 1,297.8 834.8 736.3
401.6 395.2 519.0 445.0 415.0
5,097.4 4,950.3 4,826.2 4,581.1 4,341.4
0.1 0.9 0.1 0.7 0.7
0.0 0.0 0.0 0.0 0.0
36.6 37.4 35.9 36.3 34.5
0.0 0.0 0.0 10.2 9.6
46.3 47.7 47.6 47.0 45.6
0.0 3.0 2.9 2.9 2.8
2.5 9.8 1.6 0.9 2.3
0.2 0.1 0.1 0.2 0.3
2.5 1.8 1.1 0.5 0.2
188.6 189.8 167.0 146.1 161.2
9,248.3 8,794.8 8,468.9 7,631.6 7,366.4
53.1 40.1 37.1 37.8 55.8
45.4 29.3 30.6 33.1 45.5
7.7 10.8 6.4 4.7 10.3
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
8,393.9 7,972.2 7,682.9 6,885.2 6,627.6
3,631.5 3,325.9 2,878.3 2,751.4 2,875.7
4,753.3 4,634.2 4,557.6 4,093.1 3,702.3
9.1 12.1 247.0 40.7 49.6
0.0 0.0 0.0 0.0 0.0
8.7 0.9 8.9 7.0 10.8
0.0 0.0 0.0 0.0 0.0
13.1 15.7 20.6 17.5 17.1
3.3 14.6 10.6 0.5 0.0
4.1 3.2 2.5 0.0 0.0
0.0 0.0 0.0 0.0 0.0
100.5 127.4 89.9 64.8 103.2
671.6 620.8 616.4 618.7 551.8
0.0 0.0 0.0 0.0 0.0
671.6 620.8 616.4 618.7 551.8
9,248.3 8,794.8 8,468.9 7,631.6 7,366.4
66.5 67.2 64.6 67.0 67.4
14.3 16.9 22.9 18.4 18.3
0.1 0.0 0.3 0.0 0.0
4.5 5.6 6.5 3.8 3.8
0.2 0.4 -0.1 -0.1 0.5
0.0 0.1 0.1 0.1 8.2
-16.0 -16.6 -16.7 -16.2 -17.2
-16.1 -17.1 -16.0 -19.1 -17.7
-3.5 -3.6 -3.7 -3.9 -9.8
0.2 0.0 0.0 0.0 0.0
-30.7 -42.1 -42.3 -44.1 -39.7
0.3 -1.1 -3.8 -12.3 -0.5
0.0 0.0 0.0 0.0 0.0
19.6 9.8 11.9 -6.5 13.3
-3.9 -2.4 -1.9 0.0 -2.3
15.7 7.4 10.0 -6.5 11.0
0.0 0.0 0.0 0.0 0.0
15.7 7.4 10.0 -6.5 11.0
0.6 0.6 0.5 0.7 1.8
15.0 6.8 9.5 -7.1 9.2
480.6 420.6 468.0 505.0 448.6
47.4 78.7 63.6 51.1 48.9
11.8 47.4 11.5 11.3 10.2
35.6 31.3 52.1 39.8 38.8
0.0 0.0 0.0 0.0 0.0
876.0 899.5 813.1 834.4 868.3
106.4 112.3 123.7 100.6 106.5
916.5 1,000.0 1,132.1 989.5 1,003.3
5,934.8 6,074.0 6,090.0 6,140.8 6,170.5
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
92.2 92.3 87.9 87.2 178.6
2.0 2.8 2.7 2.7 2.8
94.3 99.9 97.5 97.7 96.2
9.2 9.2 8.6 5.1 5.8
4.4 4.4 3.4 11.5 15.6
22.6 26.1 28.9 25.0 27.7
0.0 0.0 0.0 0.0 0.0
32.3 35.6 35.7 45.9 62.8
8,618.5 8,855.3 8,955.3 8,896.6 9,035.7
9.5 14.2 31.8 11.6 16.4
9.5 14.2 31.8 11.6 16.4
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
7,556.3 7,771.1 7,874.3 7,828.5 7,919.9
3,120.6 3,141.7 3,186.3 3,102.6 3,239.7
4,311.7 4,504.0 4,566.8 4,603.9 4,556.3
124.0 125.5 121.2 122.1 123.8
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
17.3 17.8 18.8 27.6 31.4
2.1 1.6 1.6 2.2 2.0
2.3 2.0 1.8 1.5 1.2
0.0 0.0 0.0 0.0 0.0
54.0 55.2 58.8 58.9 72.3
977.0 993.4 968.1 966.3 992.4
5.7 5.6 6.0 6.6 21.3
971.2 987.8 962.2 959.7 971.1
8,618.5 8,855.3 8,955.3 8,896.6 9,035.7
10.3 9.8 9.9 10.2 9.2
2.9 3.3 3.5 3.7 3.1
0.0 0.0 0.0 0.0 0.0
0.5 0.7 0.6 0.7 0.6
0.0 0.0 0.0 0.0 0.1
0.0 0.0 0.0 0.0 0.0
-4.2 -4.3 -4.1 -4.4 -4.3
-4.1 -4.5 -4.2 -4.5 -4.5
-0.5 -0.5 -0.5 -0.6 -0.6
0.0 0.0 0.0 0.0 0.0
-1.9 -2.8 -2.2 -2.7 -2.7
-0.3 0.4 0.0 -0.1 -0.2
0.0 0.0 0.0 0.0 0.0
2.7 2.1 2.8 2.4 0.7
-0.2 0.0 0.0 -1.2 0.6
2.4 2.1 2.8 1.2 1.3
0.0 0.0 0.0 0.0 0.0
2.4 2.1 2.8 1.2 1.3
0.0 0.0 0.0 0.0 -0.1
2.4 2.1 2.8 1.2 1.5
149.7 115.4 113.1 140.2 171.4
2.0 1.2 5.5 15.4 35.7
0.0 0.0 0.0 0.0 0.1
2.0 1.2 5.5 15.4 35.6
0.0 0.0 0.0 0.0 0.0
11.2 18.8 14.4 15.3 20.7
51.9 58.4 56.8 53.3 64.8
72.1 58.0 117.3 115.4 59.6
516.3 501.4 511.9 496.5 493.7
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
6.2 6.2 6.1 6.2 6.1
0.0 0.0 0.0 0.0 0.0
2.9 2.7 2.4 3.6 3.3
0.0 0.0 0.0 0.0 0.8
0.0 0.0 0.0 0.0 0.2
1.5 1.5 1.5 0.3 0.9
0.0 0.0 0.0 0.0 0.0
2.8 2.9 3.6 2.8 3.4
816.7 766.5 832.6 849.0 860.7
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
683.5 632.1 697.7 715.2 722.0
51.5 57.7 36.5 81.8 99.1
597.9 541.0 628.6 601.3 609.9
34.1 33.4 32.6 32.2 13.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
4.0 3.5 3.4 3.6 3.8
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
7.5 9.3 8.4 5.7 7.7
121.6 121.7 123.1 124.4 127.2
0.0 0.0 0.0 0.0 0.5
121.6 121.7 123.1 124.4 126.7
816.7 766.5 832.6 849.0 860.7
74.0 76.6 80.2 81.9 85.5
64.2 61.0 62.0 65.9 67.1
3.3 11.4 1.6 46.8 1.2
5.2 0.0 0.3 1.6 0.6
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
-54.4 -55.8 -47.5 -54.3 -47.6
-38.6 -35.0 -38.3 -35.3 -39.9
-2.2 -2.2 -2.0 -3.3 -2.3
0.4 -0.1 0.3 0.0 0.0
4.0 -36.6 -4.5 -24.0 -19.4
-3.9 -0.7 -1.8 -5.9 -5.5
-1.8 -1.8 -1.8 -1.8 -1.5
51.9 18.6 50.1 73.5 39.5
-12.2 -1.9 -12.2 -6.5 -9.6
39.7 16.7 37.9 67.0 29.9
0.0 0.0 0.0 0.0 0.0
39.7 16.7 37.9 67.0 29.9
0.0 0.0 0.0 0.0 0.0
39.7 16.7 37.9 67.0 29.9
206.3 253.7 207.3 551.3 2,660.0
202.4 183.0 167.6 165.5 166.9
202.4 183.0 167.6 165.5 166.9
0.0 0.0 0.0 0.0 0.0
14.6 14.5 14.6 14.5 14.5
1,413.1 1,407.1 1,255.4 1,247.8 1,266.0
524.0 517.9 532.6 559.0 557.0
6,436.7 6,251.2 5,795.2 5,666.4 3,252.3
13,217.3 13,309.9 13,531.4 13,187.1 13,332.8
32.2 22.4 21.1 23.2 38.6
0.0 0.0 0.0 0.0 0.0
16.5 15.8 15.1 13.9 13.3
0.4 0.0 0.0 0.0 0.0
30.7 31.0 33.3 36.9 35.7
1,150.8 1,144.0 1,141.9 1,136.5 1,136.5
0.0 0.4 0.4 0.0 15.3
36.3 42.0 29.5 54.2 36.6
0.0 0.0 0.0 0.0 0.0
132.4 187.3 125.9 132.2 116.7
23,413.6 23,380.2 22,871.3 22,788.7 22,642.1
176.5 156.0 147.4 141.8 149.3
176.5 156.0 147.4 141.8 149.3
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
21,533.6 21,615.0 21,036.1 20,819.6 20,263.0
3,001.1 2,713.5 2,677.7 2,559.9 3,200.6
18,031.0 18,400.3 17,857.1 17,760.4 16,568.1
501.5 501.2 501.3 499.3 494.3
0.0 0.0 0.0 0.0 0.0
86.7 86.7 79.1 69.5 78.6
0.0 0.0 0.0 0.0 0.0
58.7 56.5 55.9 68.4 67.9
0.0 0.0 0.0 0.0 2.7
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
468.9 382.7 430.8 490.6 828.1
1,089.2 1,083.3 1,121.9 1,198.7 1,252.5
0.0 0.0 0.0 0.0 0.0
1,089.2 1,083.3 1,121.9 1,198.7 1,252.5
23,413.6 23,380.2 22,871.3 22,788.7 22,642.1