Key financial data & ratios for Erste Group

in EUR million
Income statement
in EUR million
Net interest income
Net fee and commission income
Net trading and fair value result
Operating income
Operating expenses
Operating result
Net impairment loss on non-fair value financial assets
Post-provision operating result
Other operating result
Levies on banking activities
Pre-tax result from continuing operations
Taxes on income
Net result for the period
Net result attributable to non-controlling interests
Net result attributable to owners of the parent
Earnings per share
Cash earnings per share
Return on equity
Cash return on equity
Net interest margin (on average interest-bearing assets)
Cost/income ratio
Provisioning ratio (on average gross customer loans)
Tax rate
Balance sheet
in EUR million
Cash and cash balances
Trading, financial assets
Loans and receivables to credit institutions
Loans and receivables to customers
Intangible assets
Miscellaneous assets
Total assets
Financial liabilities - held for trading
Deposits from banks
Deposits from customers
Debt securities issued
Miscellaneous liabilities
Total equity
Total liabilities and equity
Loan/deposit ratio
NPL ratio
NPL coverage (exc collateral)
CET 1 ratio (phased-in)
Ratings
Fitch
Long-term
Short-term
Outlook
Moodys
Long-term
Short-term
Outlook
Standard & Poors

Q1 13

Q2 13

1,196.7
447.4
30.7
1,748.0
-989.9
758.1
-371.8
386.3
-98.2
-71.6
310.1
-66.4
243.7
67.0
176.6

1,143.3
446.8
72.8
1,734.9
-970.3
764.6
-412.6
352.1
-279.4
-113.1
68.4
91.4
159.8
34.2
125.5

0.36
0.39
5.5%
5.9%
2.71%
56.6%
1.13%
21.4%

0.23
0.32
3.9%
5.0%
2.61%
55.9%
1.27%
-133.7%

Mar 13
8,453
56,389
10,896
122,703
2,858
11,911
213,211

Jun 13
10,578
54,964
9,150
121,999
2,807
10,932
210,431

8,845
21,359
123,057
34,471
9,041
16,438
213,211

7,533
22,004
122,470
33,653
8,533
16,238
210,431

99.7%
9.4%
62.4%
11.2%

99.6%
9.7%
61.7%
11.8%

A
F1
Stable

A
F1
Stable

A3
P-2
Negative

A3
P-2
Negative

Long-term
Short-term
Outlook

A
A-1
Negative

A
A-1
Negative

Q3 13

Q4 13

Q1 14

1,175.9
449.5
80.7
1,780.4
-964.2
816.2
-460.7
355.5
-142.6
-62.4
219.6
-56.0
163.5
35.2
128.4

1,169.2
462.8
34.6
1,731.8
-971.7
760.1
-529.4
230.8
-488.4
-63.9
-219.6
-147.5
-367.1
3.2
-370.3

1,123.9
452.1
50.4
1,690.6
-963.3
727.3
-364.2
363.0
-119.8
-99.8
239.5
-99.7
139.8
36.5
103.3

0.26
0.35
4.2%
2.6%
2.71%
54.2%
1.42%
25.5%

-0.91
-0.17
-12.8%
-0.1%
2.73%
56.1%
1.65%
-67.2%

0.24
0.27
3.6%
4.1%
2.62%
57.0%
1.14%
41.6%

Sep 13
11,852
53,554
7,757
121,656
2,766
10,500
208,084

Dec 13
9,301
51,269
8,377
119,945
2,441
8,786
200,118

Mar 14
10,373
52,270
9,962
119,805
2,408
9,085
203,903

7,154
23,163
122,010
32,303
8,159
15,294
208,084

6,475
17,299
122,415
33,124
6,020
14,785
200,118

7,042
24,421
119,445
31,043
6,883
15,069
203,903

99.7%
9.6%
63.0%
10.9%

98.0%
9.6%
63.1%
11.4%

100.3%
9.6%
62.6%
11.1%

A
F1
Stable

A
F1
Stable

A
F1
Negative

A3
P-2
Negative

A3
P-2
Negative

A3
P-2
Negative

A
A-1
Negative

A
A-1
Negative

A
A-1
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
447.4
26.8
30.7
2.8
43.7
-564.6
-296.7
-128.7
22.0
-371.8
-98.2
-71.6
310.1
-66.4
243.7
0.0
243.7
67.0
176.6

1,143.3
446.8
21.2
72.8
9.4
41.5
-561.9
-280.3
-128.1
-4.3
-412.6
-279.4
-113.1
68.4
91.4
159.8
0.0
159.8
34.2
125.5

1,175.9
449.5
20.2
80.7
7.5
46.6
-552.5
-283.9
-127.8
6.7
-460.7
-142.6
-62.4
219.6
-56.0
163.5
0.0
163.5
35.2
128.4

1,169.2
462.8
21.6
34.6
2.1
41.6
-553.4
-285.1
-133.1
38.1
-529.4
-488.4
-63.9
-219.6
-147.5
-367.1
0.0
-367.1
3.2
-370.3

1,123.9
452.1
14.6
50.4
3.1
46.5
-545.9
-292.4
-125.0
-3.7
-364.2
-119.8
-99.8
239.5
-99.7
139.8
0.0
139.8
36.5
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

0.0
0.0
0.0
0.0

0.0
-6.7
2.3
-4.5

0.0
0.0
0.0
0.0

6.7
12.6
-6.0
-7.3
-8.1
0.8
-131.9
-131.9
0.0
8.7
9.0
-0.4
-123.8
-123.8
119.8
47.4
72.4

-109.3
-116.1
6.8
-61.0
-64.4
3.4
68.4
-11.4
79.8
45.1
46.2
-1.0
-56.8
-56.8
103.0
-40.4
143.4

28.8
34.1
-5.3
-1.7
1.7
-3.4
-0.2
-0.2
0.0
-2.3
-4.8
2.5
24.6
24.6
188.1
44.1
144.1

-39.4
-23.3
-16.1
-1.9
-1.6
-0.4
-177.7
-177.7
0.0
-6.6
-9.4
2.9
-225.6
-230.0
-597.1
-33.7
-563.4

131.3
140.5
-9.3
22.7
27.9
-5.2
-14.0
-14.0
0.0
-51.3
-53.7
2.4
88.8
88.8
228.6
42.1
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
-1,214.6
-114.0
61.0
-19.0
8,453.4

0.0
2,383.1
292.0
-537.0
-13.0
2,125.1

0.0
2,024.8
205.0
-947.0
-9.0
1,273.8

0.0
-2,992.9
512.5
-17.0
-54.2
-2,551.6

9,300.7
2,741.9
415.5
-2,081.0
-4.4
10,372.7

168.8
6.8
153.0
1,380.9
174.1
-1.0
8.3
1,890.9

73.1
4.5
125.7
1,314.8
185.7
-10.8
8.6
1,701.7

95.9
-3.2
112.3
1,313.8
162.0
-11.0
18.3
1,688.1

184.1
0.6
118.6
1,259.9
164.5
-23.0
-1.0
1,703.7

115.5
1.0
112.8
1,232.3
153.7
19.3
31.5
1,666.2

-53.9
-14.7
-712.6
89.3
-2.2
-694.2
1,196.7

25.4
-15.8
-657.5
90.9
-1.5
-558.4
1,143.3

-3.1
-14.4
-601.8
109.6
-2.6
-512.2
1,175.9

-128.1
-14.8
-574.6
179.5
3.5
-534.5
1,169.2

-33.2
-13.1
-553.8
82.7
-25.0
-542.3
1,123.9

59.1
2.2
34.3
22.6
-1.6
29.0
10.5
0.1
210.5
47.4
163.1
51.3
3.1
25.0

52.2
6.7
5.5
40.0
-1.6
23.2
21.2
0.0
227.9
65.6
162.3
37.9
3.2
22.5

86.4
8.0
43.5
34.9
-1.2
3.0
15.5
0.8
232.3
47.4
184.9
30.2
0.7
19.4

45.5
-1.4
31.2
15.7
7.9
24.3
49.5
0.3
232.8
50.3
182.6
38.5
0.5
32.8

76.2
2.6
42.4
31.2
15.0
28.6
11.9
0.6
200.3
39.0
161.4
44.0
3.4
27.6

11.0
5.7
6.5
0.0
0.0
66.4
7.3
12.3
46.8
22.0
447.3

5.8
5.4
1.0
0.0
0.2
63.7
9.1
12.7
41.9
22.1
446.8

7.3
6.2
-3.4
0.0
0.1
58.9
5.0
16.3
37.6
23.5
449.5

-1.2
5.8
0.6
0.0
1.2
70.0
4.5
24.2
41.3
-7.1
462.8

6.3
4.8
1.9
0.0
0.0
61.0
9.5
21.8
29.7
14.6
452.2

0.1
3.0
21.5
2.2
26.8

1.4
0.6
18.3
0.8
21.1

1.3
0.9
13.7
4.3
20.2

2.3
0.4
13.2
5.8
21.6

0.3
1.3
10.0
3.0
14.6

63.3
15.7
47.6
-32.5
3.9
-36.4
30.8

55.2
44.2
11.0
17.6
-8.5
26.1
72.8

66.9
-11.9
78.8
13.8
7.5
6.3
80.6

46.5
-50.6
97.1
-12.0
7.7
-19.6
34.6

76.0
60.1
15.9
-25.6
20.2
-45.8
50.4

20.0
23.7
43.7

19.4
22.1
41.5

19.7
26.9
46.6

20.2
21.3
41.5

20.9
25.6
46.5

-564.6
-415.1
-123.2
-12.8
-13.5
-296.7
-19.0
-74.4
-70.9
-43.2
-34.2
-27.5
-27.5
-128.7
-38.0
-20.3
-23.4
-16.4
-30.6
-990.0

-561.9
-408.1
-122.7
-16.5
-14.6
-280.3
-19.7
-64.1
-61.9
-38.8
-37.0
-29.7
-29.1
-128.0
-35.8
-23.4
-22.5
-16.3
-30.0
-970.2

-552.5
-412.4
-115.3
-14.1
-10.7
-283.9
-19.3
-63.2
-66.8
-31.3
-41.7
-36.2
-25.4
-127.9
-34.4
-19.0
-28.5
-16.3
-29.6
-964.2

-553.4
-408.0
-117.0
-4.6
-23.8
-285.1
-19.2
-57.2
-56.8
-25.4
-51.1
-44.8
-30.6
-133.1
-38.6
-21.4
-25.8
-16.2
-31.1
-971.7

-545.9
-402.5
-114.7
-20.2
-8.4
-292.4
-22.9
-76.7
-64.6
-34.5
-36.2
-26.8
-30.7
-125.0
-38.2
-19.3
-26.5
-15.9
-25.1
-963.3

11.4
6.7
0.0
3.8
22.0

-6.5
1.4
0.0
0.9
-4.4

4.8
0.3
0.0
1.6
6.8

39.3
-1.2
0.8
-0.8
38.0

-4.7
3.0
-0.6
-1.5
-3.7

3.0
-374.7
-755.6
386.7
-17.3
11.5
-0.1
-371.8

0.3
-407.4
-775.5
404.2
-54.2
18.1
-5.4
-412.5

-23.9
-435.3
-725.9
336.2
-72.6
27.0
-1.5
-460.7

-21.6
-509.1
-1,064.0
606.5
-113.2
61.6
1.3
-529.4

1.5
-366.3
-838.6
502.9
-44.1
13.4
0.6
-364.2

-10.5
17.1
-27.5
-71.6
-64.3
-7.3
-4.3
0.0
-1.4
-98.2

-7.2
5.5
-22.2
-113.1
-89.0
-24.1
-8.1
-21.9
-112.4
-279.4

-44.4
-24.4
7.2
-62.4
-51.8
-10.6
-4.4
-30.3
16.2
-142.5

2.9
-38.5
5.6
-63.9
-51.5
-12.4
-1.9
-330.8
-61.7
-488.5

-3.1
-2.0
-28.2
-99.8
-88.6
-11.1
-4.4
0.0
17.6
-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
esk spoitelna Group
Banca Comercial Romn Group
Slovensk sporitea 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
15,437.8
8,926.2
6,511.6
656.8
21,269.5
19,025.3
10,896.5
122,702.9
2,503.2
0.0
2,409.7
1,011.1
2,858.2
211.1
133.1
679.5
618.0
4,345.0
213,211.1

10,578.5
15,258.3
7,506.9
7,751.4
641.7
20,491.8
18,572.2
9,150.2
121,998.6
1,849.7
0.0
2,364.4
941.6
2,806.9
219.8
92.7
811.6
94.9
4,557.9
210,430.7

11,852.3
14,218.6
6,929.6
7,289.0
575.1
20,569.4
18,190.5
7,756.6
121,655.6
1,788.1
0.0
2,401.7
940.6
2,766.0
217.4
97.9
852.3
105.8
4,096.0
208,083.9

9,300.7
12,283.0
6,342.2
5,940.8
529.0
20,677.6
17,779.0
8,376.7
119,944.5
1,943.6
0.0
2,319.5
950.6
2,440.8
207.6
100.4
719.0
74.8
2,470.9
200,117.8

10,372.7
13,610.4
6,482.4
7,128.0
511.8
20,956.4
17,191.4
9,962.1
119,805.4
2,212.2
0.0
2,329.9
1,034.7
2,407.9
226.5
119.0
672.0
82.0
2,408.6
203,902.8

8,844.6
8,476.2
368.4
2,553.1
0.0
591.8
1,961.3
0.0
176,637.5
21,359.4
122,465.2
32,509.5
303.4
839.4
1,428.6
1,494.1
72.9
292.4
342.7
4,267.7
16,438.2
3,535.7
12,902.6
213,211.1

7,532.7
7,043.5
489.2
2,418.3
0.0
527.0
1,891.3
0.0
176,007.5
22,003.6
121,942.7
31,761.9
299.3
618.7
905.5
1,466.1
84.4
208.2
0.0
4,951.1
16,238.3
3,465.3
12,772.9
210,430.7

7,154.1
6,705.8
448.3
2,376.6
0.0
498.2
1,878.4
0.0
175,397.4
23,163.3
121,511.6
30,425.0
297.5
614.7
870.4
1,474.5
89.3
200.2
0.0
4,612.9
15,293.9
3,500.5
11,793.3
208,083.9

6,474.7
6,086.9
387.8
2,339.2
0.0
460.0
1,879.2
0.0
170,785.6
17,299.5
121,955.1
31,244.7
286.3
644.3
733.7
1,447.6
84.5
169.4
0.0
2,653.7
14,785.0
3,466.0
11,319.0
200,117.8

7,042.3
6,340.6
701.7
2,275.3
0.0
448.9
1,826.4
0.0
172,918.4
24,420.7
118,996.1
29,216.5
285.1
681.2
909.6
1,491.5
82.7
181.8
0.0
3,250.9
15,069.1
3,542.5
11,526.6
203,902.8

2,547
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0
0
0

0
0
0
0

17,299
121,955
31,245
286

24,421
118,996
29,217
285

0
0
0

0
0
0

0
0
0

0
n/a
n/a

0
n/a
n/a

0
0
0
0

0
0
0
0

0
0
0
0

9,300
18,919
8,209
118,177

10,373
18,568
9,989
120,124

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

170,563
16,987
120,181
33,109
286

171,983
24,229
118,063
29,406
285

0
0
0

0
0
0

0
0
0

0
-223
466

0
-105
138

0
0
0
0

0
0
0
0

18
7
5
30

42
13
2
57

33
12
2
47

0
0
0
0
0

0
0
0
0
0

0
-16
-9
-10
-36

0
-31
-17
-5
-53

0
-28
-16
-5
-49

16,024
8,609
7,415
32,777
11,048
7,732
4,196
2,743
2,553
931
1,496
1,118
960
48,801

15,842
8,492
7,350
30,537
10,621
7,313
4,207
2,750
2,600
931
0
1,124
991
46,379

15,680
8,401
7,279
30,155
10,409
7,083
4,215
2,822
2,550
930
0
1,161
985
45,835

15,659
8,388
7,271
30,011
10,432
7,020
4,206
2,778
2,584
922
0
1,100
969
45,670

15,791
8,393
7,398
30,195
10,425
7,082
4,216
2,799
2,634
964
0
1,144
931
45,986

0
0
0

0
0
0

0
0
0

0
0
0

7,247
-85
4,802

0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,809

0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,927

0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,750

0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,199

0
0
0
0
0
0
0
0
375
12,184

0
0
0
0
0
0
0
0
375
12,302

0
0
0
0
0
0
0
0
375
11,125

0
0
0
0
0
0
0
0
361
11,560

0
0
0
0
0
0
0
0
0
4,218
299
16,701
8,405
11.2%
11.6%
15.9%

0
0
0
0
0
0
0
0
0
4,186
278
16,766
8,072
11.8%
12.2%
16.6%

0
0
0
0
0
0
0
0
0
4,286
243
15,654
7,920
10.9%
11.2%
15.8%

0
0
0
0
0
0
0
0
0
4,206
228
15,994
7,832
11.4%
11.8%
16.3%

-650
2,555
571
-9
-54
-15
-145
-576
-1,156
-1,240
-202
-316
2,371
-1,756
11,342
0
0
0
0
287
0
0
-2,043
1,756
0
11,342
0
3,401
-7
740
0
390
134
-126
0
0
4,531
0
15,874
8,175
11.1%
11.1%
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
90,072
21,675
68,397
0
3,745
11,249
0
0

100,899
87,318
20,245
67,073
0
3,473
10,108
0
0

98,996
86,634
20,159
66,475
0
3,036
9,326
0
0

97,901
84,857
19,590
65,267
0
2,852
10,192
0
0

102,191
86,334
17,982
68,351
0
3,339
10,978
1,541
0

8,405
7,206
1,734
5,472
0
300
900
0
0

8,072
6,985
1,620
5,366
0
278
809
0
0

7,920
6,931
1,613
5,318
0
243
746
0
0

7,832
6,789
1,567
5,221
0
228
815
0
0

8,175
6,907
1,439
5,468
0
267
878
123
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
447.4
26.8
30.7
2.8
43.7
-989.9
22.0
-371.8
-98.2
-71.6
310.1
-66.4
243.7
0.0
243.7
67.0
176.6

1,143.3
446.8
21.2
72.8
9.4
41.5
-970.3
-4.3
-412.6
-279.4
-113.1
68.4
91.4
159.8
0.0
159.8
34.2
125.5

1,175.9
449.5
20.2
80.7
7.5
46.6
-964.2
6.7
-460.7
-142.5
-62.4
219.6
-56.0
163.6
0.0
163.6
35.2
128.4

1,169.2
462.8
21.6
34.6
2.1
41.6
-971.7
38.1
-529.4
-488.5
-64.0
-219.6
-147.5
-367.1
0.0
-367.1
3.2
-370.3

1,123.9
452.1
14.6
50.4
3.1
46.5
-963.3
-3.7
-364.2
-119.8
-99.8
239.5
-99.7
139.8
0.0
139.8
36.5
103.3

1,748.0
-989.9
758.1

1,734.9
-970.3
764.6

1,780.4
-964.2
816.2

1,731.8
-971.7
760.1

1,690.6
-963.3
727.3

90,072.7
16,512.0

87,317.2
16,526.5

86,632.6
15,814.5

84,858.0
15,164.2

87,874.3
14,977.2

56.6%
6.0%

55.9%
3.9%

54.2%
4.1%

56.1%
-9.6%

57.0%
3.8%

213,211.1
196,772.8

210,430.7
194,192.5

208,083.9
192,790.1

200,117.8
185,332.8

203,902.8
188,833.7

555.5
259.1
1.2
13.1
1.9
4.0
-464.8
0.0
-131.5
-12.0
-12.7
226.4
-50.5
175.9
0.0
175.9
6.6
169.3

554.7
264.3
-0.8
15.7
5.1
3.5
-468.8
-0.2
-111.2
-40.8
-24.0
221.4
-48.6
172.9
0.0
172.9
5.3
167.5

559.2
262.0
0.5
17.2
3.3
3.9
-460.3
0.2
-105.3
-17.9
-14.9
262.7
-55.8
206.9
0.0
206.9
7.2
199.8

547.4
268.1
1.2
16.2
1.0
3.8
-445.3
0.1
-118.0
-22.4
-16.1
252.1
-45.6
206.5
0.0
206.5
4.0
202.4

537.7
264.8
0.5
13.2
2.2
6.0
-433.6
0.0
-118.7
-19.4
-16.2
252.7
-52.7
199.9
0.0
199.9
7.2
192.7

834.7
-464.8
369.9

842.4
-468.8
373.6

846.1
-460.3
385.8

837.8
-445.3
392.5

824.3
-433.6
390.7

18,633.3
2,092.8

18,549.3
2,116.8

18,452.2
1,917.7

17,764.7
2,045.1

17,738.3
2,072.9

55.7%
34.1%

55.6%
32.8%

54.4%
42.8%

53.2%
40.1%

52.6%
39.1%

53,174.9
70,706.4

53,192.7
70,564.1

53,609.7
70,488.6

52,882.0
69,244.6

50,735.5
67,664.7

164.4
52.6
2.3
8.3
0.0
0.5
-73.7
4.5
-96.1
-6.3
-2.2
56.5
-9.9
46.6
0.0
46.6
-1.5
48.1

170.7
59.1
-0.3
6.5
0.0
1.1
-72.1
1.3
-138.6
-13.8
-7.3
13.8
-12.1
1.8
0.0
1.8
3.2
-1.4

170.7
58.3
0.0
7.4
0.0
1.0
-73.0
0.0
-99.7
-5.1
-3.1
59.6
-10.1
49.4
0.0
49.4
0.6
48.9

165.2
61.2
0.8
6.9
0.0
1.3
-69.2
0.0
-120.6
-14.7
-4.1
30.8
-16.0
14.8
0.0
14.8
0.5
14.3

144.4
47.3
1.8
5.7
0.0
7.6
-68.5
3.2
-59.3
-2.0
-2.6
80.1
-17.6
62.5
0.0
62.5
0.8
61.8

228.1
-73.7
154.4

237.1
-72.1
165.0

237.3
-73.0
164.4

235.4
-69.2
166.2

206.7
-68.5
138.2

18,558.6
1,733.0

18,153.3
1,694.6

17,863.4
1,586.4

17,722.6
1,562.6

14,657.3
1,343.7

32.3%
10.9%

30.4%
0.4%

30.7%
12.4%

29.4%
3.7%

33.1%
18.9%

24,914.2
14,080.6

25,119.9
13,862.6

24,891.1
13,766.4

24,192.4
14,266.9

22,683.5
12,458.9

63.8
-24.7
4.2
-53.6
0.0
10.3
-27.4
6.5
2.3
-22.9
-16.2
-41.6
7.5
-34.1
0.0
-34.1
-1.5
-32.6

38.8
-24.0
7.6
-16.8
2.4
10.0
-24.5
-1.0
4.0
-38.2
-40.7
-41.6
129.7
88.2
0.0
88.2
0.2
88.0

70.2
-25.2
3.2
13.4
0.5
9.1
-20.5
1.4
-12.3
-31.3
-3.9
8.6
-7.4
1.2
0.0
1.2
-1.6
2.9

47.7
-28.6
2.6
-35.3
1.6
9.4
-48.2
30.4
1.0
-30.0
-3.6
-49.4
6.9
-42.4
0.0
-42.4
-5.0
-37.5

40.5
-19.0
2.1
-3.8
0.5
9.3
-31.3
0.7
2.1
-60.9
-51.0
-59.9
-2.3
-62.1
0.0
-62.1
0.7
-62.8

0.0
-27.4
-27.5

18.0
-24.5
-6.4

71.3
-20.5
50.9

-2.6
-48.2
-50.8

29.5
-31.3
-1.8

3,615.3
2,325.9

3,546.8
1,888.6

2,925.2
2,183.4

1,934.3
1,636.7

4,864.3
1,747.4

>100%
-5.9%

>100%
18.7%

28.7%
0.2%

>100%
-10.3%

>100%
-14.4%

58,872.2
65,122.1

56,351.3
62,665.7

53,793.8
58,936.2

52,750.8
58,546.7

52,341.4
56,537.7

197.7
101.7
12.5
5.3
0.1
6.3
-227.5
8.4
-13.2
-13.6
-2.2
77.8
-15.7
62.1
0.0
62.1
46.2
15.9

196.8
93.6
9.1
6.2
0.0
6.2
-232.3
-4.8
-49.9
-0.5
-2.3
24.5
-7.4
17.1
0.0
17.1
16.7
0.4

213.2
94.0
10.0
2.9
0.0
7.7
-228.7
7.2
-57.6
-8.4
-2.4
40.5
-14.7
25.8
0.0
25.8
22.7
3.1

207.0
107.2
11.9
7.5
-0.1
7.6
-238.1
13.4
-108.6
-5.5
-2.0
2.3
-16.2
-13.9
0.0
-13.9
-16.9
3.0

214.3
102.9
8.8
-0.6
0.0
10.7
-231.1
-5.0
-48.1
-14.0
-3.4
38.0
-16.8
21.2
0.0
21.2
19.6
1.6

323.6
-227.5
96.1

311.9
-232.3
79.7

327.9
-228.7
99.2

341.1
-238.1
103.0

336.1
-231.1
105.0

22,544.4
2,198.2

22,501.0
2,071.8

22,324.1
2,030.8

22,464.0
2,014.1

22,440.9
2,007.2

70.3%
11.5%

74.5%
3.3%

69.7%
5.0%

69.8%
-2.7%

68.8%
4.3%

56,115.4
52,285.3

56,163.4
52,421.1

55,930.5
52,155.6

56,204.6
52,457.8

56,074.4
52,105.8

42.8
22.1
0.0
2.0
0.0
0.0
-15.5
0.0
-32.5
-7.2
-0.4
11.7
1.8
13.5
0.0
13.5
-1.1
14.6

48.6
17.3
0.0
3.5
0.0
0.0
-16.4
0.0
-71.1
-4.4
-1.1
-22.5
0.2
-22.3
0.0
-22.3
2.2
-24.5

46.9
15.1
0.0
1.3
0.0
0.0
-17.3
-3.1
-55.1
-5.7
-0.5
-18.0
5.9
-12.1
0.0
-12.1
0.8
-12.9

47.0
31.5
0.0
1.6
0.0
0.0
-18.5
-3.1
-70.6
-10.9
-0.7
-23.1
1.3
-21.8
0.0
-21.8
0.6
-22.3

53.9
22.4
0.0
2.3
0.0
0.0
-19.4
0.0
-88.1
-2.2
-0.9
-31.2
4.0
-27.2
0.0
-27.2
-1.9
-25.2

66.9
-15.5
51.4

69.4
-16.4
53.0

63.3
-17.3
46.0

80.0
-18.5
61.5

78.5
-19.4
59.1

8,193.4
763.8

7,917.8
763.7

8,109.4
767.0

7,187.5
769.2

8,929.6
819.8

23.2%
7.2%

23.6%
-11.7%

27.3%
-6.3%

23.1%
-11.2%

24.7%
-13.5%

8,002.8
4,983.7

7,935.5
4,961.6

7,714.7
5,114.7

7,493.7
3,807.3

8,974.2
5,399.5

47.0
1.5
0.1
2.9
0.5
22.2
-34.4
0.1
-102.9
-9.8
-0.1
-72.8
13.1
-59.7
0.0
-59.7
3.0
-62.7

40.6
1.7
0.1
3.3
0.1
21.0
-32.5
-0.1
-61.1
-22.0
-0.2
-48.9
7.5
-41.4
0.0
-41.4
-4.6
-36.8

39.7
5.9
2.0
-1.2
-0.6
20.6
-31.2
0.0
-105.3
-13.2
-0.1
-83.3
9.0
-74.3
0.0
-74.3
-2.6
-71.6

42.7
5.2
0.1
0.9
-0.2
20.5
-35.9
0.4
-111.2
-5.6
-0.1
-83.1
-5.5
-88.6
0.0
-88.6
-2.7
-85.9

36.5
5.1
0.0
-3.5
0.0
7.9
-23.6
0.3
-60.3
-12.6
-0.1
-50.2
-2.6
-52.9
0.0
-52.9
0.4
-53.3

74.2
-34.4
39.9

66.8
-32.5
34.3

66.5
-31.2
35.3

69.2
-35.9
33.3

46.0
-23.6
22.3

11,053.6
933.4

10,629.3
976.6

10,974.1
918.1

9,495.2
877.7

9,640.5
833.8

46.3%
-25.9%

48.6%
-17.0%

47.0%
-32.1%

51.9%
-40.1%

51.4%
-25.7%

12,124.9
5,968.8

11,665.2
5,659.4

11,495.3
5,685.7

10,908.4
5,206.9

10,309.6
4,819.6

15.5
6.9
0.0
3.0
0.0
0.0
-11.9
1.4
4.4
0.1
0.0
19.4
-4.2
15.2

17.8
6.5
0.0
5.1
0.0
0.0
-11.9
0.0
-7.8
0.1
0.0
9.7
-2.4
7.3

16.7
5.7
0.0
2.4
0.0
0.0
-12.5
0.0
-6.4
0.1
0.0
6.0
-1.4
4.6

18.9
8.5
0.0
2.6
0.0
0.0
-14.6
6.9
3.7
0.1
0.0
26.1
-5.3
20.8

18.7
5.1
0.0
-0.2
0.0
0.0
-12.2
2.2
4.3
0.2
0.0
18.2
-4.0
14.2

0.0
15.2
0.0
15.2

0.0
7.3
0.0
7.3

0.0
4.6
0.0
4.6

0.0
20.8
0.1
20.8

0.0
14.2
0.0
14.2

25.4
-11.9
13.6

29.4
-11.9
17.4

24.9
-12.5
12.3

30.1
-14.6
15.4

23.6
-12.2
11.4

3,382.5
323.1

3,242.9
356.4

3,210.1
307.8

3,335.1
342.3

2,470.9
223.7

46.7%
19.1%

40.6%
8.2%

50.4%
5.9%

48.7%
24.1%

51.6%
25.8%

4,122.4
58.6

3,919.6
98.8

3,770.7
45.0

3,697.8
58.4

3,455.1
90.3

45.6
25.7
0.1
46.3
0.0
0.0
-45.5
0.0
0.0
-0.7
-0.9
71.5
-17.4
54.1
0.0
54.1
2.8
51.3

52.4
23.8
0.3
33.2
0.0
0.0
-47.4
0.1
12.0
4.8
-0.7
79.0
-13.0
66.0
0.0
66.0
-0.1
66.1

59.2
25.3
0.1
27.1
0.0
0.0
-42.9
-0.1
-0.5
-5.4
-0.5
62.9
-14.8
48.1
0.0
48.1
-0.1
48.2

60.0
30.1
0.0
10.1
0.0
0.0
-52.2
0.0
0.8
-1.8
-0.5
47.0
-6.6
40.3
0.0
40.3
-0.1
40.4

54.0
25.3
0.1
30.5
0.0
0.0
-44.6
0.0
0.0
-0.2
-0.6
65.2
-13.3
51.9
0.0
51.9
0.5
51.4

117.7
-45.5
72.2

109.6
-47.4
62.2

111.8
-42.9
68.9

100.3
-52.2
48.0

109.9
-44.6
65.4

2,073.7
494.2

1,953.0
481.4

1,709.6
423.0

1,781.7
442.7

3,061.1
409.5

38.7%
44.4%

43.3%
55.0%

38.4%
45.1%

52.1%
36.2%

40.5%
51.4%

28,301.8
19,118.1

28,812.1
20,197.6

28,343.6
20,875.3

24,589.5
16,117.3

30,881.6
24,251.6

57.2
34.2
6.1
1.9
0.4
9.2
-174.6
1.2
-4.0
29.4

32.7
37.8
5.4
7.6
1.8
10.1
-154.5
0.3
12.8
-121.2

16.0
38.0
4.3
-0.6
4.3
12.6
-171.9
1.1
-17.2
-6.0

30.2
27.5
4.9
12.0
-0.2
8.4
-168.1
-10.1
-7.0
-319.8

25.3
16.7
2.2
-0.7
0.5
9.8
-189.6
-5.2
3.5
64.1

-37.0
-38.9
8.9
-30.0
0.0
-30.0
12.5
-42.5

-36.8
-167.2
37.4
-129.8
0.0
-129.8
11.4
-141.1

-37.0
-119.3
33.2
-86.1
0.0
-86.1
8.4
-94.5

-36.8
-422.3
-60.4
-482.7
0.0
-482.7
22.8
-505.5

-25.0
-73.3
5.6
-67.7
0.0
-67.7
9.3
-77.0

109.2
-174.6
-65.5

95.4
-154.5
-59.0

74.6
-171.9
-97.2

82.6
-168.1
-85.5

53.8
-189.6
-135.8

2,018.1
5,647.6

823.8
6,176.6

1,064.4
5,680.3

3,172.9
5,473.8

4,071.4
5,519.0

>100%

>100%

>100%

>100%

>100%

-2.2%

-8.4%

-6.0%

-35.0%

-5.0%

16,627.0
13,494.0

16,511.3
13,001.9

15,168.0
12,356.2

13,047.5
11,265.0

9,185.0
6,243.1

7.1
-31.7
0.2
1.4
0.0
-8.8
85.4
-0.1
1.7
-55.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0

-9.8
-33.2
-0.2
8.5
0.0
-10.4
90.1
0.1
-1.8
-43.2
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0

-16.0
-29.7
-0.1
10.8
0.0
-8.3
94.0
0.0
-1.1
-49.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0

3.2
-47.8
0.1
12.0
0.0
-9.5
118.5
0.1
1.2
-77.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0

-1.4
-18.4
-0.9
7.6
0.0
-4.8
90.6
0.0
0.2
-72.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0

-31.8
85.4
53.6

-45.1
90.1
45.0

-43.3
94.0
50.7

-41.9
118.5
76.5

-17.9
90.6
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
-49,044.8

-49,240.3
-49,240.3

-46,633.5
-46,633.5

-45,649.0
-45,638.0

-40,737.4
-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
447.4
26.8
30.7
2.8
43.7
-989.9
22.0
-371.8
-98.2
-71.6
310.1
-66.4
243.7
0.0
243.7
67.0
176.6

1,143.3
446.8
21.2
72.8
9.4
41.5
-970.3
-4.3
-412.6
-279.4
-113.1
68.4
91.4
159.8
0.0
159.8
34.2
125.5

1,175.9
449.5
20.2
80.7
7.5
46.6
-964.2
6.7
-460.7
-142.5
-62.4
219.6
-56.0
163.6
0.0
163.6
35.2
128.4

1,169.2
462.8
21.6
34.6
2.1
41.6
-971.7
38.1
-529.4
-488.5
-64.0
-219.6
-147.5
-367.1
0.0
-367.1
3.2
-370.3

1,123.9
452.1
14.6
50.4
3.1
46.5
-963.3
-3.7
-364.2
-119.8
-99.8
239.5
-99.7
139.8
0.0
139.8
36.5
103.3

1,748.0
-989.9
758.1

1,734.9
-970.3
764.6

1,780.4
-964.2
816.2

1,731.8
-971.7
760.1

1,690.6
-963.3
727.3

90,072.7
16,512.0

87,317.2
16,526.5

86,632.6
15,814.5

84,858.0
15,164.2

87,874.3
14,977.2

56.6%
6.0%

55.9%
3.9%

54.2%
4.1%

56.1%
-9.6%

57.0%
3.8%

213,211.1
196,772.8

210,430.7
194,192.5

208,083.9
192,790.1

200,117.8
185,332.8

203,902.8
188,833.7

435.0
231.5
20.3
33.2
0.6
33.2
-469.5
10.4
-113.3
-25.8
-4.6
155.6
-36.6
119.0
0.0
119.0
51.1
67.9

432.1
219.9
11.7
26.5
4.1
31.7
-476.3
-4.7
-160.7
-22.0
-4.9
62.2
-17.0
45.2
0.0
45.2
15.2
30.1

459.4
212.3
15.3
7.4
1.0
32.7
-457.0
7.4
-195.0
-23.4
-4.9
60.1
-29.9
30.2
0.0
30.2
22.7
7.5

460.2
245.2
16.5
1.2
-1.2
32.9
-495.7
21.1
-277.9
-28.5
-4.6
-26.2
-36.4
-62.6
0.0
-62.6
-18.9
-43.7

458.2
236.8
12.6
0.8
0.0
23.2
-454.8
-3.3
-120.2
-33.0
-5.4
120.5
-45.9
74.6
0.0
74.6
23.5
51.1

753.8
-469.5
284.3

725.9
-476.3
249.6

728.1
-457.0
271.1

754.8
-495.7
259.1

731.7
-454.8
276.9

51,720.1
5,114.3

50,716.6
5,048.7

50,957.8
4,756.1

48,716.9
4,663.0

49,769.6
4,486.3

62.3%
9.4%

65.6%
3.6%

62.8%
2.5%

65.7%
-5.3%

62.2%
6.7%

138,847.0
115,105.1

139,467.6
116,345.9

137,866.1
116,612.4

133,169.6
110,895.2

139,294.5
117,929.8

134.7
85.8
7.6
7.1
0.0
4.8
-153.3
0.5
4.0
-4.0
-2.4
87.3
-20.8
66.5
0.0
66.5
1.5
64.9

135.2
83.5
2.4
0.5
4.0
4.5
-154.5
0.2
-43.1
-2.4
-2.4
30.3
-6.8
23.5
0.0
23.5
1.8
21.7

144.3
79.1
3.2
2.6
1.6
4.4
-145.6
0.0
-6.4
-6.2
-2.4
77.0
-18.6
58.3
0.0
58.3
1.5
56.8

145.4
83.8
3.8
1.0
-0.9
4.7
-153.6
0.4
-32.0
-22.9
-2.4
29.8
-12.8
17.0
0.0
17.0
0.0
17.0

145.4
90.6
3.6
1.2
0.0
4.7
-145.5
-0.9
-21.3
-8.1
-2.0
69.6
-15.6
54.0
0.0
54.0
1.5
52.5

240.1
-153.3
86.8

230.0
-154.5
75.6

235.2
-145.6
89.6

237.9
-153.6
84.3

245.4
-145.5
100.0

11,566.9
1,143.6

11,576.5
1,150.8

11,573.5
1,093.6

11,342.4
1,068.4

11,679.4
1,077.9

63.9%
23.6%

67.1%
8.2%

61.9%
21.2%

64.6%
6.3%

59.3%
20.3%

42,723.4
40,733.4

42,680.6
40,726.9

42,343.7
40,306.5

42,161.8
40,034.4

42,215.4
39,985.5

197.7
101.7
12.5
5.3
0.1
6.3
-227.5
8.4
-13.2
-13.6
-2.2
77.8
-15.7
62.1
0.0
62.1
46.2
15.9

196.8
93.6
9.1
6.2
0.0
6.2
-232.3
-4.8
-49.9
-0.5
-2.3
24.5
-7.4
17.1
0.0
17.1
16.7
0.4

213.2
94.0
10.0
2.9
0.0
7.7
-228.7
7.2
-57.6
-8.4
-2.4
40.5
-14.7
25.8
0.0
25.8
22.7
3.1

207.0
107.2
11.9
7.5
-0.1
7.6
-238.1
13.4
-108.6
-5.5
-2.0
2.3
-16.2
-13.9
0.0
-13.9
-16.9
3.0

214.3
102.9
8.8
-0.6
0.0
10.7
-231.1
-5.0
-48.1
-14.0
-3.4
38.0
-16.8
21.2
0.0
21.2
19.6
1.6

323.6
-227.5
96.1

311.9
-232.3
79.7

327.9
-228.7
99.2

341.1
-238.1
103.0

336.1
-231.1
105.0

22,544.4
2,198.2

22,501.0
2,071.8

22,324.1
2,030.8

22,464.0
2,014.1

22,440.9
2,007.2

70.3%
11.5%

74.5%
3.3%

69.7%
5.0%

69.8%
-2.7%

68.8%
4.3%

56,115.4
52,285.3

56,163.4
52,421.1

55,930.5
52,155.6

56,204.6
52,457.8

56,074.4
52,105.8

102.5
44.0
0.3
20.7
0.5
22.2
-88.7
1.5
-104.1
-8.2
0.0
-9.4
-0.1
-9.6
0.0
-9.6
3.3
-12.9

100.1
42.9
0.2
19.7
0.1
21.0
-89.6
-0.1
-67.7
-19.1
-0.2
7.5
-2.8
4.7
0.0
4.7
-3.3
8.0

101.9
39.1
2.1
1.8
-0.6
20.6
-82.7
0.1
-131.0
-8.8
-0.1
-57.4
3.4
-54.0
0.0
-54.0
-1.5
-52.5

107.8
54.3
0.7
-7.3
-0.2
20.5
-104.1
7.3
-137.3
-0.1
-0.1
-58.3
-7.3
-65.7
0.0
-65.7
-2.0
-63.7

98.5
43.3
0.2
0.3
0.0
7.9
-78.1
2.5
-50.8
-10.9
-0.1
12.9
-13.4
-0.5
0.0
-0.5
2.4
-3.0

190.1
-88.7
101.5

183.9
-89.6
94.4

165.0
-82.7
82.2

175.8
-104.1
71.8

150.1
-78.1
72.0

17,608.8
1,772.5

16,639.1
1,826.1

17,060.3
1,631.6

14,910.6
1,580.5

15,649.4
1,401.1

46.6%
-2.2%

48.7%
1.0%

50.2%
-13.1%

59.2%
-16.5%

52.1%
-0.2%

40,008.3
22,086.4

40,623.7
23,198.0

39,591.8
24,150.3

34,803.1
18,403.0

41,004.7
25,838.5

666.7
221.4
0.1
52.3
1.8
10.1
-427.6
6.6
-256.2
-46.6
-30.0
228.6
-46.8
181.8
0.0
181.8
3.4
178.4

655.3
230.6
4.3
49.8
3.5
10.1
-425.6
0.0
-262.8
-93.0
-71.4
172.0
70.8
242.8
0.0
242.8
7.7
235.1

661.2
236.1
0.6
60.9
2.2
9.6
-425.4
-1.8
-247.4
-63.7
-20.5
232.4
-49.8
182.6
0.0
182.6
4.1
178.5

629.1
250.9
0.1
55.3
3.5
9.8
-421.7
8.9
-245.2
-62.5
-22.6
228.2
-51.3
176.9
0.0
176.9
-0.7
177.6

617.2
225.5
0.7
42.5
2.7
18.2
-405.2
4.3
-245.7
-78.1
-69.3
182.0
-56.7
125.4
0.0
125.4
3.8
121.6

952.4
-427.6
524.8

953.5
-425.6
527.9

970.7
-425.4
545.2

948.8
-421.7
527.0

906.8
-405.2
501.6

35,838.6
4,756.0

35,212.3
4,410.3

34,296.1
4,387.9

32,652.6
4,225.4

33,614.8
4,297.2

44.9%
15.5%

44.6%
22.1%

43.8%
16.5%

44.5%
16.6%

44.7%
11.8%

84,685.8
76,131.8

82,498.7
74,240.4

81,765.6
73,211.6

79,324.3
70,884.4

77,132.7
68,563.4

256.6
114.7
0.0
17.9
0.0
8.6
-185.4
6.5
-36.8
9.0
0.0
191.2
-38.0
153.3
0.0
153.3
0.8
152.4

247.4
108.1
1.7
20.2
0.0
8.1
-182.8
-0.6
-41.3
11.0
0.0
171.7
-34.6
137.1
0.0
137.1
0.6
136.5

254.2
105.7
0.2
21.7
0.0
7.7
-182.8
-2.6
-34.8
-19.0
0.0
150.2
-29.8
120.4
0.0
120.4
0.4
120.0

241.2
106.5
0.1
20.0
0.0
7.5
-170.8
4.9
-27.3
0.6
0.0
182.7
-37.6
145.0
0.0
145.0
2.1
143.0

233.4
101.6
0.4
21.5
0.0
8.0
-164.7
4.2
-35.6
2.3
0.0
171.1
-34.1
137.0
0.0
137.0
0.8
136.2

397.8
-185.4
212.4

385.5
-182.8
202.6

389.4
-182.8
206.6

375.3
-170.8
204.4

364.8
-164.7
200.1

14,620.7
1,781.1

14,598.7
1,531.5

14,622.1
1,567.9

13,934.1
1,490.4

13,949.4
1,474.6

46.6%
34.9%

47.4%
35.9%

46.9%
30.5%

45.5%
38.6%

45.1%
37.7%

38,059.8
34,335.3

36,928.1
33,421.1

36,667.3
32,991.1

35,322.6
31,719.1

33,306.9
29,583.9

162.5
32.6
0.0
26.0
0.0
0.9
-94.3
0.0
-114.9
-19.3
0.0
-6.6
5.9
-0.8

155.9
41.7
2.3
24.5
0.0
1.5
-91.1
0.0
-114.7
-19.3
0.0
0.7
122.5
123.2

150.2
42.6
0.0
26.1
0.0
1.3
-91.8
0.5
-116.8
-12.9
0.0
-0.8
-1.9
-2.7

141.5
52.3
0.0
23.2
0.8
1.3
-92.0
2.7
-107.9
-18.7
0.0
3.1
-3.0
0.2

135.7
39.1
0.0
19.6
0.2
1.2
-80.5
0.1
-110.3
-7.2
0.0
-2.0
-5.9
-7.9

0.0
-0.8
-0.7
-0.1

0.0
123.2
6.4
116.8

0.0
-2.7
0.3
-3.0

0.0
0.2
-1.0
1.2

0.0
-7.9
0.0
-7.9

221.9
-94.3
127.6

225.9
-91.1
134.8

220.2
-91.8
128.4

219.1
-92.0
127.1

195.8
-80.5
115.3

8,494.5
1,486.6

7,989.0
1,389.8

7,579.6
1,366.1

6,850.1
1,305.9

6,892.8
1,302.7

42.5%
-0.2%

40.3%
35.6%

41.7%
-0.8%

42.0%
0.0%

41.1%
-2.4%

15,971.5
14,433.4

15,630.0
13,980.5

15,266.8
13,613.2

14,924.3
13,265.3

14,756.5
13,097.7

104.4
29.1
0.0
1.4
1.6
0.4
-58.9
0.0
-14.3
-14.6
-10.5
49.3
-9.2
40.1
0.0
40.1
0.0
40.1

107.6
29.3
0.2
2.7
3.1
0.5
-62.1
0.5
-9.3
-11.7
-10.5
60.8
-12.4
48.5
0.0
48.5
0.0
48.5

112.0
28.6
0.1
3.9
2.3
0.5
-61.9
0.2
-6.0
-12.7
-10.1
67.1
-15.7
51.4
0.0
51.4
0.0
51.4

107.1
30.5
0.0
3.7
2.8
0.5
-66.1
1.3
-17.7
-8.2
-10.1
53.9
-13.2
40.8
0.0
40.8
0.0
40.8

107.9
29.9
0.3
2.7
1.9
0.4
-65.1
0.0
-12.7
-11.0
-10.3
54.3
-12.7
41.6
0.0
41.6
0.0
41.6

137.0
-58.9
78.1

143.3
-62.1
81.2

147.3
-61.9
85.5

144.7
-66.1
78.5

143.1
-65.1
78.0

4,357.9
524.0

4,321.0
512.0

4,261.1
506.7

3,877.7
480.6

3,962.0
501.6

43.0%
31.0%

43.3%
38.0%

42.0%
40.3%

45.7%
33.7%

45.5%
33.6%

11,968.0
10,460.0

11,523.8
10,160.8

11,573.6
10,061.3

11,695.9
10,234.8

11,802.3
10,291.8

75.3
27.9
0.0
2.0
0.0
0.1
-45.8
0.0
-57.7
-21.7

75.5
31.3
0.0
-3.9
0.0
0.0
-44.1
0.0
-52.7
-72.3

78.1
32.9
0.0
2.0
0.0
0.1
-44.9
0.0
-45.3
-16.6

69.8
39.6
0.0
3.9
0.0
0.4
-45.4
0.0
-45.6
-26.1

69.6
33.6
0.0
-5.7
0.0
0.3
-42.1
0.0
-44.8
-61.6

-19.5
-19.9
-2.7
-22.6
0.0
-22.6
0.0
-22.6

-60.9
-66.1
-3.3
-69.4
0.0
-69.4
0.0
-69.4

-10.4
6.3
-2.1
4.2
0.0
4.2
0.0
4.2

-12.4
-3.3
1.6
-1.7
0.0
-1.7
0.0
-1.7

-59.1
-50.7
-3.1
-53.8
0.0
-53.8
0.0
-53.8

105.3
-45.8
59.6

102.9
-44.1
58.8

113.1
-44.9
68.2

113.8
-45.4
68.3

97.9
-42.1
55.8

3,938.4
516.7

4,111.4
516.5

4,013.5
487.2

3,926.0
489.3

3,741.1
507.2

43.5%
-17.7%

42.8%
-53.9%

39.7%
3.4%

39.9%
-1.4%

43.0%
-43.0%

9,248.3
8,576.7

8,794.8
8,174.1

8,468.9
7,852.5

7,631.6
7,012.8

7,366.4
6,814.6

59.8
14.3
0.1
4.5
0.2
0.0
-34.4
0.2
-30.7
0.3
0.0
14.1
-2.6
11.5
0.0
11.5
3.2
8.3

61.1
17.0
0.0
5.6
0.4
0.1
-36.1
0.0
-42.1
-1.1
0.0
4.9
-1.5
3.4
0.0
3.4
0.8
2.6

58.6
22.9
0.3
6.5
-0.1
0.1
-35.2
0.0
-42.3
-2.5
0.0
8.4
-0.4
8.0
0.0
8.0
3.1
4.9

61.0
18.4
0.0
3.8
-0.1
0.1
-38.0
0.0
-44.1
-9.9
0.0
-8.8
1.2
-7.6
0.0
-7.6
-1.8
-5.7

63.0
18.3
0.0
3.8
0.5
8.2
-43.5
0.0
-39.7
-0.5
0.0
10.1
-1.5
8.6
0.0
8.6
3.1
5.5

78.8
-34.4
44.4

84.1
-36.1
48.0

88.3
-35.2
53.1

83.2
-38.0
45.3

93.7
-43.5
50.2

3,903.3
392.4

3,714.3
404.2

3,266.4
391.7

3,504.8
391.9

4,504.9
438.6

43.7%
11.9%

42.9%
3.4%

39.9%
8.1%

45.6%
-7.6%

46.4%
8.0%

8,621.5
7,631.3

8,855.4
7,859.0

8,956.4
7,984.0

8,900.9
7,927.8

9,040.0
8,041.8

8.1
2.9
0.0
0.5
0.0
0.0

7.8
3.3
0.0
0.7
0.0
0.0

8.2
3.5
0.0
0.6
0.0
0.0

8.4
3.7
0.0
0.7
0.0
0.0

7.7
3.1
0.0
0.6
0.1
0.0

-8.8
0.0
-1.9
-0.3
0.0
0.5
-0.2
0.3
0.0
0.3
0.1
0.2

-9.4
0.0
-2.8
0.4
0.0
0.0
0.1
0.1
0.0
0.1
0.0
0.1

-8.9
0.0
-2.2
0.0
0.0
1.1
0.0
1.1
0.0
1.1
0.2
0.9

-9.4
0.0
-2.7
-0.1
0.0
0.6
-0.4
0.2
0.0
0.2
0.0
0.2

-9.4
0.0
-2.7
-0.2
0.0
-0.8
0.6
-0.2
0.0
-0.2
-0.1
0.0

11.5
-8.8
2.8

11.8
-9.4
2.4

12.3
-8.9
3.4

12.8
-9.4
3.4

11.5
-9.4
2.2

523.6
55.2

478.0
56.2

553.3
68.2

559.9
67.2

564.6
72.5

76.1%
2.2%

79.4%
0.7%

72.5%
6.7%

73.4%
1.2%

81.2%
-1.0%

816.7
695.0

766.5
644.9

832.6
709.5

849.0
724.6

860.7
733.5

95.0
-5.6
6.4
-54.7
0.4
0.4
-92.9
4.9
-2.2
-25.8
-37.0
-74.2
17.0
-57.2
0.0
-57.2
12.5
-69.7

55.9
-3.8
5.2
-3.4
1.8
-0.2
-68.3
0.4
11.0
-164.4
-36.8
-165.9
37.6
-128.3
0.0
-128.3
11.4
-139.6

55.3
1.1
4.2
12.4
4.3
4.3
-81.7
1.1
-18.4
-55.5
-37.0
-72.8
23.7
-49.2
0.0
-49.2
8.4
-57.6

79.9
-33.3
5.0
-21.9
-0.2
-1.1
-54.2
8.1
-6.3
-397.5
-36.8
-421.6
-59.8
-481.4
0.0
-481.4
22.8
-504.2

48.5
-10.3
1.3
7.1
0.5
5.1
-103.3
-4.8
1.7
-8.7
-25.0
-63.0
2.8
-60.1
0.0
-60.1
9.2
-69.3

41.8
-92.9
-51.1

55.5
-68.3
-12.9

81.6
-81.7
-0.1

28.2
-54.2
-26.0

52.1
-103.3
-51.2

2,514.0
6,641.7

1,388.3
7,067.5

1,378.6
6,670.5

3,488.5
6,275.8

4,489.9
6,193.8

>100%
-3.5%

>100%
-7.3%

>100%
-2.9%

>100%
-30.4%

>100%
-3.9%

-10,321.8
5,535.9

-11,535.6
3,606.2

-11,547.7
2,966.1

-12,376.0
3,553.2

-12,524.4
2,340.5

Asset quality (gross loans)

in EUR million
Total group
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

Q1 13

Q2 13

Q3 13

95,178
18,867
4,057
12,232
130,335

95,081
18,313
3,790
12,573
129,756

95,655
17,492
3,897
12,448
129,492

7,632
62.4%
9.4%

7,757
61.7%
9.7%

7,837
63.0%
9.6%

24,929
12,089
89,632
1,595
2,089

24,987
11,475
89,632
1,721
1,941

25,222
11,248
89,486
1,616
1,921

Industry split (NACE Code)

Agriculture and forestry
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

1,365
488
57
247
2,157

1,339
494
67
276
2,175

1,408
490
57
269
2,224

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

161
65.1%
11.5%

170
61.5%
12.7%

170
63.1%
12.1%

215
87
4
68
374

279
65
6
80
431

290
82
5
84
461

59
87.2%
18.2%

68
85.2%
18.6%

64
77.1%
18.1%

6,232
1,939
499
1,699
10,369

5,946
1,812
496
1,740
9,994

5,896
1,590
450
1,686
9,622

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

1,075
63.3%
16.4%

1,120
64.3%
17.4%

1,088
64.6%
17.5%

Energy and water supply

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

1,875
298
53
248
2,475

1,845
362
62
259
2,528

2,016
284
120
226
2,646

123

127

146

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio
Currency split
CEE-LCY
CHF
EUR
USD
Other

Mining
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Manufacturing
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

Allowances for customer loans

NPL coverage (exc collateral)

NPL ratio

49.7%
10.0%

49.2%
10.2%

64.7%
8.5%

Construction
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

3,555
1,351
170
1,699
6,775

3,718
1,325
178
1,678
6,899

4,051
1,151
194
1,704
7,099

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

971
57.1%
25.1%

971
57.9%
24.3%

1,011
59.3%
24.0%

Development of building projects

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

2,006
308
42
631
2,987

1,887
367
65
580
2,899

2,262
282
78
639
3,261

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

292
46.3%
21.1%

162
27.9%
20.0%

339
53.0%
19.6%

Trade
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

5,624
1,519
456
1,346
8,944

5,476
1,497
439
1,354
8,766

5,336
1,470
326
1,431
8,563

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

852
63.3%
15.1%

860
63.5%
15.5%

925
64.6%
16.7%

Transport and communication

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

2,392
730
56
394
3,572

2,492
701
88
371
3,652

2,545
710
80
357
3,691

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

277
70.4%
11.0%

265
71.6%
10.1%

249
69.7%
9.7%

Hotels and restaurants

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

2,092
833
266
763
3,954

2,056
823
261
789
3,929

1,983
840
264
750
3,837

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

365
47.9%
19.3%

384
48.6%
20.1%

362
48.3%
19.5%

Financial and insurance services

Low risk
Management attention
Substandard

4,889
644
54

5,074
589
79

4,759
450
168

Non-performing
Gross customer loans

258
5,846

291
6,034

308
5,685

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

199
76.9%
4.4%

202
69.3%
4.8%

217
70.4%
5.4%

Holding companies
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

2,841
469
36
159
3,504

2,869
383
64
199
3,515

2,890
275
152
221
3,537

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

102
64.2%
4.5%

112
55.9%
5.7%

121
54.8%
6.2%

15,683
2,732
643
1,291
20,348

15,552
2,765
604
1,365
20,287

15,684
2,630
556
1,307
20,177

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

721
55.9%
6.3%

754
55.2%
6.7%

744
57.0%
6.5%

Services
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

3,273
844
161
497
4,775

3,302
786
165
487
4,739

3,325
788
161
492
4,766

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

321
64.6%
10.4%

310
63.7%
10.3%

326
66.2%
10.3%

Public administration
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

5,997
314
82
40
6,433

5,756
233
28
29
6,046

5,638
292
27
31
5,988

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

32
79.8%
0.6%

28
95.8%
0.5%

30
97.3%
0.5%

Education, health and art

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

1,692
605
45
198
2,541

1,723
488
44
263
2,518

1,694
598
50
255
2,597

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

85
43.0%
7.8%

84
31.9%
10.5%

82
32.2%
9.8%

Real estate and housing

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

Households
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Other
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Country of origination split
Core markets
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Austria
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Czech Republic
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Romania
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

40,240
6,452
1,440
3,444
51,576

40,437
6,351
1,239
3,562
51,590

40,999
6,104
1,319
3,521
51,944

2,297
66.7%
6.7%

2,323
65.2%
6.9%

2,301
65.3%
6.8%

54
32
72
39
197

86
20
33
29
168

31
13
119
28
192

93
239.0%
19.8%

92
321.8%
17.0%

121
426.1%
14.8%

88,552
17,067
3,636
11,202
120,457

88,429
16,614
3,391
11,574
120,007

89,049
16,048
3,417
11,376
119,891

7,013
62.6%
9.3%

7,114
61.5%
9.6%

7,163
63.0%
9.5%

52,858
7,419
1,052
3,077
64,406

52,950
7,277
1,059
3,159
64,445

53,235
7,107
1,043
3,104
64,489

1,985
64.5%
4.8%

1,945
61.6%
4.9%

1,939
62.5%
4.8%

16,083
2,929
602
1,032
20,646

16,115
2,663
614
1,069
20,460

16,503
2,591
595
1,004
20,693

741
71.8%
5.0%

756
70.8%
5.2%

757
75.4%
4.9%

5,572
2,509
769
3,504
12,354

5,248
2,653
578
3,594
12,074

5,201
2,353
710
3,450
11,713

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

2,100
59.9%
28.4%

2,185
60.8%
29.8%

2,182
63.2%
29.5%

Slovakia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

5,978
989
235
434
7,637

6,016
1,014
245
420
7,695

6,112
1,015
215
440
7,782

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

394
90.7%
5.7%

391
93.0%
5.5%

391
88.8%
5.6%

Hungary
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

3,203
1,571
462
1,694
6,930

3,200
1,397
385
1,756
6,739

3,161
1,325
355
1,775
6,616

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

1,042
61.5%
24.4%

1,035
58.9%
26.1%

1,048
59.1%
26.8%

Croatia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

4,131
1,462
469
1,347
7,409

4,252
1,410
473
1,456
7,591

4,191
1,464
457
1,483
7,595

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

665
49.4%
18.2%

719
49.4%
19.2%

756
51.0%
19.5%

Serbia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

727
187
48
114
1,075

648
198
37
119
1,003

647
194
43
121
1,004

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

86
75.5%
10.6%

84
70.2%
11.9%

89
73.8%
12.0%

Other EU
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

4,749
1,139
298
744
6,930

4,652
1,073
279
708
6,712

4,507
877
366
743
6,494

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

315
42.4%
10.7%

315
44.5%
10.5%

308
41.5%
11.4%

Other industrialised countries

Low risk

595

681

707

Management attention
Substandard
Non-performing
Gross customer loans

122
15
75
807

124
14
73
893

77
31
87
902

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

48
63.2%
9.3%

46
64.0%
8.1%

52
59.7%
9.7%

Emerging markets
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

1,282
540
108
211
2,141

1,319
502
106
219
2,145

1,392
490
82
242
2,205

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

149
70.5%
9.9%

151
68.9%
10.2%

163
67.4%
11.0%

Southeastern Europe/CIS
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

923
517
107
183
1,730

977
478
105
194
1,754

1,028
466
82
216
1,792

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

142
77.4%
10.6%

148
76.2%
11.0%

160
73.9%
12.1%

166
11
0
17
193

170
11
0
19
200

180
10
0
19
210

1
3.4%
8.7%

1
3.1%
9.4%

1
2.9%
9.2%

79
1
0
5
85

47
2
0
0
50

46
2
0
0
48

5
91.7%
6.1%

1
243.6%
0.7%

1
230.9%
0.7%

114
12
0
6
132

124
10
0
6
141

137
11
0
6
155

2
30.5%

2
28.9%

2
30.1%

Asia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Latin America
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Middle East/Africa
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)

NPL ratio

4.7%

4.1%

3.9%

37,194
5,337
1,345
3,610
47,485

37,487
5,255
1,136
3,648
47,526

37,896
4,982
1,226
3,650
47,754

2,493
69.1%
7.6%

2,477
67.9%
7.7%

2,480
67.9%
7.6%

15,963
4,016
756
3,394
24,129

15,854
3,811
692
3,554
23,911

16,451
3,552
636
3,496
24,134

2,066
60.9%
14.1%

2,166
60.9%
14.9%

2,168
62.0%
14.5%

397
29
0
21
446

327
29
1
19
376

66
26
2
17
112

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

8
38.7%
4.6%

8
45.1%
4.9%

29
169.6%
15.4%

Total corporate
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

6,134
1,177
296
694
8,301

6,237
1,088
302
678
8,306

5,941
1,062
297
668
7,968

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

489
70.4%
8.4%

462
68.1%
8.2%

469
70.2%
8.4%

6,677
2,031
685
1,912
11,304

6,334
1,876
685
2,022
10,918

6,047
1,934
782
1,983
10,746

1,024
53.6%
16.9%

1,076
53.2%
18.5%

1,155
58.3%
18.5%

733
105
10

657
109
10

688
68
25

Business line segmentation

Retail
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
SME
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
ALM & LCC
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

Commercial Real Estate

Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Other Corporate
Low risk
Management attention
Substandard

Non-performing
Gross customer loans

40
889

35
811

35
816

19
46.1%
4.5%

17
47.1%
4.4%

16
47.0%
4.3%

81
14
0
1
96

111
15
0
3
130

91
24
2
0
117

0
28.0%
1.1%

1
18.9%
2.7%

1
818.0%
0.1%

258
86
25
0
369

237
104
25
2
368

221
97
25
2
346

0
4331.6%
0.0%

0
15.4%
0.7%

0
17.6%
0.7%

61,688
10,398
1,803
4,759
78,649

61,622
10,034
1,760
4,995
78,411

61,710
9,767
1,899
4,984
78,361

2,953
62.1%
6.1%

2,967
59.4%
6.4%

2,969
59.6%
6.4%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
8,522
66,937
1,145
2,045

0
8,028
67,233
1,256
1,893

0
7,853
67,382
1,255
1,872

EBOe & Subsidiaries

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

24,404
2,138
209
1,011
27,762

24,503
2,077
243
1,050
27,872

24,770
1,999
303
1,025
28,096

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

677
67.0%
3.6%

699
66.5%
3.8%

681
66.5%
3.6%

Currency split
CEE-LCY
CHF

0
3,146

0
2,902

0
2,845

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio
Group Markets
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Group Corporate Center
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Geographic segmentation
Austria
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio

EUR
USD
Other

24,213
52
351

24,615
54
300

24,919
60
273

Savings Banks
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

27,741
6,073
941
2,561
37,315

27,836
6,024
939
2,611
37,410

28,254
5,747
901
2,597
37,499

1,533
59.9%
6.9%

1,551
59.4%
7.0%

1,518
58.4%
6.9%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
5,153
31,299
102
761

0
4,903
31,680
102
726

0
4,786
31,866
93
755

Other Austria
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

9,544
2,187
654
1,188
13,573

9,283
1,933
578
1,334
13,128

8,686
2,022
695
1,363
12,766

744
62.6%
8.8%

718
53.8%
10.2%

770
56.5%
10.7%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
224
11,425
990
934

0
223
10,938
1,100
867

0
223
10,597
1,102
845

Central and Eastern Europe

Low risk
Management attention
Substandard
Non-performing
Gross customer loans

33,218
8,357
2,229
7,472
51,276

33,221
8,147
2,005
7,575
50,948

33,722
7,606
1,973
7,461
50,761

4,678
62.6%
14.6%

4,789
63.2%
14.9%

4,867
65.2%
14.7%

Currency split
CEE-LCY
CHF
EUR
USD
Other

24,929
3,567
22,289
451
41

24,987
3,446
22,064
405
45

25,222
3,395
21,735
361
48

Czech Republic
Low risk
Management attention
Substandard

15,342
2,345
505

15,419
2,161
540

15,841
2,122
470

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

Non-performing
Gross customer loans

1,004
19,196

992
19,112

910
19,343

725
72.2%
5.2%

725
73.1%
5.2%

721
79.2%
4.7%

Currency split
CEE-LCY
CHF
EUR
USD
Other

17,690
5
1,397
88
15

17,612
5
1,410
70
15

17,794
5
1,456
73
16

Romania
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

5,187
2,481
714
3,302
11,685

4,868
2,627
566
3,337
11,399

4,828
2,222
664
3,244
10,958

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

1,975
59.8%
28.3%

2,053
61.5%
29.3%

2,089
64.4%
29.6%

Currency split
CEE-LCY
CHF
EUR
USD
Other

4,116
0
7,277
279
12

4,054
0
7,088
247
10

4,026
0
6,717
207
9

Slovakia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

5,738
842
213
405
7,198

5,774
856
221
373
7,223

5,853
857
201
384
7,296

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

361
89.3%
5.6%

357
95.8%
5.2%

356
92.7%
5.3%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
0
7,181
6
11

0
0
7,199
7
17

0
0
7,274
6
16

Hungary
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

2,728
1,326
399
1,528
5,982

2,805
1,193
314
1,515
5,828

2,815
1,080
279
1,544
5,717

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

971
63.6%
25.5%

965
63.7%
26.0%

977
63.3%
27.0%

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

Currency split

CEE-LCY
CHF
EUR
USD
Other

1,753
2,866
1,360
3
0

1,701
2,770
1,352
5
0

1,764
2,727
1,222
4
0

Croatia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans

3,822
1,272
386
1,160
6,641

3,970
1,218
352
1,283
6,823

3,989
1,232
351
1,300
6,871

Allowances for customer loans

NPL coverage (exc collateral)
NPL ratio

586
50.5%
17.5%

627
48.9%
18.8%

662
50.9%
18.9%

Currency split
CEE-LCY
CHF
EUR
USD
Other

1,250
677
4,640
71
3

1,497
654
4,595
73
3

1,514
645
4,637
68
7

401
90
12
73
575

384
92
12
75
563

395
93
8
79
575

59
80.8%
12.7%

61
81.9%
13.3%

63
80.5%
13.7%

120
17
433
4
0

122
17
419
4
0

125
17
430
4
0

63,121
50,743
12,378
67,214
59,737
7,477
130,335

63,027
50,729
12,299
66,729
59,400
7,329
129,756

63,442
51,079
12,363
66,050
58,657
7,393
129,492

34,340
24,582
9,757
44,309
40,366
3,943
78,649

34,339
24,621
9,718
44,072
40,405
3,667
78,411

34,654
24,892
9,763
43,707
40,036
3,671
78,361

Serbia
Low risk
Management attention
Substandard
Non-performing
Gross customer loans
Allowances for customer loans
NPL coverage (exc collateral)
NPL ratio
Currency split
CEE-LCY
CHF
EUR
USD
Other

Geographic segments by Basel 2 customer segments

Total group
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans
Austria
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

EBOe & Subsidiaries

Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

14,414
11,624
2,789
13,348
11,595
1,753
27,762

14,426
11,598
2,828
13,447
11,912
1,534
27,872

14,576
11,674
2,902
13,520
11,988
1,533
28,096

Savings Banks
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

19,499
12,901
6,598
17,815
16,196
1,619
37,315

19,526
12,960
6,566
17,884
16,278
1,606
37,410

19,712
13,154
6,558
17,787
16,162
1,625
37,499

Other Austria
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

427
57
370
13,145
12,574
571
13,573

387
63
324
12,741
12,214
527
13,128

367
63
303
12,399
11,885
514
12,766

Central and Eastern Europe

Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

28,765
26,144
2,621
22,511
19,020
3,491
51,276

28,674
26,093
2,581
22,274
18,649
3,625
50,948

28,775
26,174
2,601
21,987
18,299
3,687
50,761

Czech Republic
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

11,404
9,902
1,502
7,792
7,123
669
19,196

11,393
9,924
1,469
7,719
7,052
667
19,112

11,588
10,141
1,447
7,756
7,073
683
19,343

Slovakia
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

5,190
4,901
289
2,007
1,775
232
7,198

5,233
4,931
302
1,990
1,755
235
7,223

5,284
4,969
315
2,012
1,770
242
7,296

Romania
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

5,244
4,645
599
6,440
5,226
1,214
11,685

5,203
4,620
583
6,196
4,970
1,226
11,399

5,127
4,516
612
5,831
4,615
1,215
10,958

Hungary
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

3,932
3,894
38
2,050
1,685
365
5,982

3,822
3,789
33
2,006
1,669
337
5,828

3,778
3,741
37
1,939
1,607
333
5,717

Croatia
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

2,782
2,604
178
3,859
2,851
1,007
6,641

2,809
2,629
180
4,014
2,857
1,156
6,823

2,782
2,603
179
4,089
2,877
1,212
6,871

Serbia
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

212
199
14
363
360
3
575

214
201
13
349
346
3
563

215
203
12
360
357
3
575

Other
Total retail
Private individuals
Micros
Total corporate
Corporate
Public sector
Gross customer loans

16
16
0
394
351
43
410

14
14
0
383
346
37
397

13
13
0
356
322
35
370

Q4 13

Q1 14

95,263
16,582
3,557
12,296
127,698

95,070
16,724
3,434
12,238
127,465

7,753
63.1%
9.6%

7,660
62.6%
9.6%

24,084
10,673
89,610
1,647
1,685

24,073
10,245
89,898
1,577
1,672

1,419
449
82
267
2,218

1,378
439
64
277
2,159

171
64.2%
12.0%

173
62.4%
12.8%

279
97
5
58
439

261
94
5
40
400

42
72.3%
13.2%

25
63.0%
9.9%

5,814
1,454
414
1,635
9,316

6,091
1,342
270
1,765
9,468

1,111
67.9%
17.5%

1,058
60.0%
18.6%

2,172
332
88
205
2,797

2,153
290
76
202
2,721

126

120

61.7%
7.3%

59.6%
7.4%

3,846
1,091
159
1,647
6,743

3,852
1,164
145
1,569
6,731

1,034
62.8%
24.4%

1,000
63.7%
23.3%

2,270
332
48
577
3,228

2,213
381
48
571
3,213

329
57.1%
17.9%

360
63.0%
17.8%

5,276
1,366
273
1,462
8,376

5,267
1,332
271
1,473
8,342

924
63.2%
17.5%

897
60.9%
17.7%

2,590
535
70
321
3,516

2,571
525
49
315
3,460

234
73.1%
9.1%

217
68.9%
9.1%

1,976
838
200
807
3,822

1,943
825
218
779
3,765

390
48.4%
21.1%

401
51.5%
20.7%

4,662
463
34

4,814
491
104

418
5,576

348
5,757

254
60.7%
7.5%

238
68.4%
6.0%

2,806
254
21
302
3,382

2,709
305
90
255
3,359

163
53.9%
8.9%

181
71.1%
7.6%

15,759
2,458
523
1,236
19,975

15,656
2,332
544
1,270
19,802

746
60.3%
6.2%

745
58.7%
6.4%

3,368
765
159
451
4,743

3,259
947
174
441
4,821

304
67.5%
9.5%

291
66.1%
9.1%

5,749
268
22
22
6,062

5,576
236
3
16
5,831

17
76.8%
0.4%

15
95.8%
0.3%

1,817
419
58
351
2,646

1,698
454
63
353
2,568

81
23.0%
13.3%

119
33.7%
13.8%

40,509
6,033
1,336
3,389
51,266

40,502
6,103
1,361
3,364
51,329

2,244
66.2%
6.6%

2,275
67.6%
6.6%

27
15
132
27
202

50
149
85
28
311

75
278.2%
13.3%

85
307.2%
8.8%

88,949
15,079
3,222
11,174
118,424

88,978
15,203
3,110
11,073
118,364

7,046
63.1%
9.4%

6,945
62.7%
9.4%

53,355
7,182
1,034
3,088
64,659

53,345
7,670
1,168
3,021
65,204

1,917
62.1%
4.8%

1,922
63.6%
4.6%

15,958
2,269
473
1,074
19,774

16,073
2,107
506
1,070
19,755

753
70.1%
5.4%

775
72.4%
5.4%

5,133
2,144
690
3,241
11,208

5,085
2,152
428
3,240
10,905

2,125
65.6%
28.9%

1,987
61.3%
29.7%

6,446
793
255
458
7,952

6,579
728
292
452
8,051

388
84.8%
5.8%

388
85.8%
5.6%

3,104
1,201
291
1,663
6,260

2,919
1,135
244
1,590
5,888

968
58.2%
26.6%

935
58.8%
27.0%

4,334
1,318
435
1,511
7,597

4,397
1,292
395
1,554
7,638

797
52.8%
19.9%

837
53.8%
20.4%

619
172
45
139
974

580
120
77
146
922

98
70.2%
14.3%

101
69.2%
15.8%

4,190
909
253
823
6,176

3,969
914
243
858
5,984

328
39.8%
13.3%

331
38.6%
14.3%

762

796

127
28
80
997

43
24
77
940

51
63.7%
8.0%

46
59.6%
8.2%

1,361
467
53
220
2,100

1,327
564
57
229
2,177

156
71.2%
10.5%

162
70.6%
10.5%

991
443
52
197
1,683

937
541
57
208
1,742

153
77.8%
11.7%

159
76.5%
11.9%

178
11
0
17
206

191
10
0
15
217

1
3.4%
8.2%

1
4.0%
7.0%

51
2
0
0
53

62
1
0
0
63

1
307.4%
0.5%

0
123.3%
0.4%

141
11
0
6
159

137
13
0
6
155

2
31.9%

2
31.2%

3.7%

3.8%

37,190
4,704
1,215
3,466
46,576

37,266
4,728
1,229
3,410
46,633

2,361
68.1%
7.4%

2,363
69.3%
7.3%

16,523
3,134
568
3,413
23,638

15,673
2,695
440
2,657
21,465

2,124
62.2%
14.4%

1,590
59.8%
12.4%

127
9
6
17
159

149
8
9
20
186

14
83.2%
10.6%

14
70.6%
10.8%

5,362
698
239
535
6,834

6,434
1,100
121
1,303
8,959

415
77.7%
7.8%

864
66.3%
14.5%

5,747
1,699
565
2,146
10,157

5,623
1,446
569
2,128
9,766

1,210
56.4%
21.1%

1,177
55.3%
21.8%

1,331
322
59

1,245
290
36

126
1,838

143
1,714

73
58.1%
6.8%

73
50.8%
8.3%

207
30
0
0
238

215
39
0
0
254

0
432.0%
0.0%

1
63166.3%
0.0%

208
87
25
22
343

186
457
69
20
732

4
20.0%
6.5%

8
39.8%
2.7%

61,666
9,596
1,666
5,280
78,207

61,250
9,591
1,748
5,231
77,819

3,102
58.7%
6.8%

3,092
59.1%
6.7%

0
7,515
67,764
1,287
1,642

0
7,181
67,768
1,237
1,633

24,586
2,145
247
1,070
28,049

24,607
2,280
272
986
28,145

682
63.7%
3.8%

673
68.2%
3.5%

0
2,718

0
2,664

25,065
42
225

25,226
39
216

28,566
5,898
880
2,571
37,915

28,279
5,960
960
2,557
37,755

1,551
60.3%
6.8%

1,572
61.5%
6.8%

0
4,594
32,536
96
690

0
4,413
32,533
94
715

8,514
1,552
539
1,638
12,243

8,364
1,350
517
1,688
11,920

868
53.0%
13.4%

847
50.2%
14.2%

0
203
10,163
1,150
727

0
104
10,009
1,104
702

33,388
6,881
1,866
6,994
49,130

33,553
6,639
1,596
6,966
48,755

4,647
66.4%
14.2%

4,523
64.9%
14.3%

24,084
3,154
21,537
312
43

24,059
3,059
21,304
294
39

15,360
1,875
410

15,496
1,844
395

850
18,495

849
18,584

667
78.4%
4.6%

685
80.7%
4.6%

16,920
5
1,498
56
17

17,043
5
1,464
55
16

4,652
2,103
645
3,052
10,453

4,609
2,026
391
3,047
10,073

2,043
66.9%
29.2%

1,895
62.2%
30.3%

3,862
0
6,398
184
8

3,827
0
6,085
153
8

6,204
624
234
407
7,469

6,332
592
266
405
7,595

352
86.4%
5.4%

354
87.4%
5.3%

0
0
7,450
6
13

0
0
7,577
5
13

2,741
984
234
1,421
5,380

2,630
895
219
1,354
5,098

884
62.2%
26.4%

841
62.1%
26.6%

1,648
2,538
1,192
2
0

1,521
2,452
1,109
16
0

4,048
1,210
333
1,179
6,771

4,111
1,199
315
1,212
6,837

635
53.9%
17.4%

675
55.6%
17.7%

1,526
594
4,584
61
5

1,539
585
4,651
60
1

383
84
10
86
562

375
83
11
99
567

66
76.6%
15.3%

74
74.8%
17.4%

127
16
415
4
0

128
17
419
4
0

62,695
50,390
12,305
65,003
57,344
7,659
127,698

62,588
50,442
12,146
64,878
57,356
7,521
127,465

34,477
24,752
9,725
43,729
39,908
3,822
78,207

34,288
24,810
9,478
43,531
39,786
3,746
77,819

14,372
11,498
2,874
13,677
12,093
1,584
28,049

14,337
11,490
2,847
13,808
12,230
1,577
28,145

19,879
13,242
6,638
18,035
16,300
1,735
37,915

19,875
13,319
6,556
17,880
16,247
1,633
37,755

225
12
214
12,017
11,515
502
12,243

76
1
75
11,844
11,308
536
11,920

28,203
25,624
2,579
20,927
17,118
3,808
49,130

28,251
25,600
2,651
20,503
16,755
3,749
48,755

11,045
9,641
1,404
7,450
6,793
656
18,495

11,066
9,626
1,440
7,518
6,854
664
18,584

5,412
5,092
320
2,057
1,700
357
7,469

5,544
5,217
327
2,051
1,687
364
7,595

5,018
4,440
578
5,435
4,212
1,223
10,453

4,928
4,400
528
5,145
3,958
1,186
10,073

3,648
3,620
28
1,732
1,410
321
5,380

3,552
3,526
26
1,546
1,260
286
5,098

2,778
2,624
154
3,993
2,745
1,248
6,771

2,835
2,620
215
4,002
2,756
1,246
6,837

302
207
95
261
258
2
562

326
211
115
242
239
2
567

15
15
0
346
318
29
361

49
32
17
843
816
27
891

Asset quality (gross exposure)

in EUR million
Total group
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Q1 13

Q2 13

Q3 13

179,662
21,808
4,960
12,647
219,077

176,315
21,059
4,657
12,969
215,000

174,654
20,145
4,716
12,917
212,431

7,907
62.5%
5.8%

8,040
62.0%
6.0%

8,104
62.7%
6.1%

47,469
12,416
147,846
4,612
6,734

46,216
11,730
145,233
5,341
6,480

45,333
11,609
144,618
4,529
6,343

Industry split (NACE Code)

Agriculture and forestry
Low risk
Management attention
Substandard
Non-performing
Gross exposure

1,529
548
65
248
2,390

1,485
544
73
278
2,380

1,553
530
63
271
2,417

Allowances for gross exposure

NPE coverage ratio
NPE ratio

164
65.9%
10.4%

172
62.0%
11.7%

172
63.3%
11.2%

376
111
12
68
567

362
98
11
80
551

396
113
5
89
603

62
90.0%
12.1%

69
86.2%
14.6%

66
74.5%
14.7%

9,626
2,410
565
1,754
14,356

9,153
2,251
561
1,805
13,769

9,237
1,973
494
1,770
13,474

Allowances for gross exposure

NPE coverage ratio
NPE ratio

1,114
63.5%
12.2%

1,159
64.2%
13.1%

1,134
64.1%
13.1%

Energy and water supply

Low risk
Management attention
Substandard
Non-performing
Gross exposure

2,892
334
56
262
3,544

2,871
432
64
268
3,635

3,102
347
127
238
3,814

127

131

149

Allowances for gross exposure

NPE coverage ratio
NPE ratio
Currency split
CEE-LCY
CHF
EUR
USD
Other

Mining
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Manufacturing
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Allowances for gross exposure

NPE coverage ratio

NPE ratio

48.4%
7.4%

48.8%
7.4%

62.8%
6.2%

Construction
Low risk
Management attention
Substandard
Non-performing
Gross exposure

5,688
1,896
267
1,812
9,663

6,282
1,778
265
1,800
10,125

6,685
1,561
261
1,848
10,356

Allowances for gross exposure

NPE coverage ratio
NPE ratio

1,005
55.5%
18.7%

1,039
57.7%
17.8%

1,079
58.4%
17.8%

Development of building projects

Low risk
Management attention
Substandard
Non-performing
Gross exposure

2,520
413
43
634
3,610

2,382
430
66
582
3,461

2,749
343
79
642
3,813

Allowances for gross exposure

NPE coverage ratio
NPE ratio

293
46.3%
17.6%

163
28.1%
16.8%

340
53.0%
16.8%

7,525
1,762
504
1,382
11,174

7,247
1,728
491
1,388
10,854

7,161
1,691
376
1,471
10,700

Allowances for gross exposure

NPE coverage ratio
NPE ratio

880
63.7%
12.4%

894
64.4%
12.8%

943
64.1%
13.8%

Transport and communication

Low risk
Management attention
Substandard
Non-performing
Gross exposure

3,848
793
59
412
5,112

4,089
772
100
383
5,344

4,197
777
83
369
5,426

Allowances for gross exposure

NPE coverage ratio
NPE ratio

293
71.0%
8.1%

276
71.9%
7.2%

259
70.3%
6.8%

Hotels and restaurants

Low risk
Management attention
Substandard
Non-performing
Gross exposure

2,457
935
302
796
4,491

2,396
904
302
828
4,429

2,312
930
300
806
4,347

Allowances for gross exposure

NPE coverage ratio
NPE ratio

375
47.1%
17.7%

391
47.3%
18.7%

369
45.9%
18.5%

38,899
1,262
95

36,074
1,131
112

32,580
909
200

Trade
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Financial and insurance services

Low risk
Management attention
Substandard

Non-performing
Gross exposure

339
40,594

359
37,677

373
34,062

294
86.8%
0.8%

277
77.2%
1.0%

291
78.0%
1.1%

Holding companies
Low risk
Management attention
Substandard
Non-performing
Gross exposure

4,402
585
37
173
5,196

4,709
418
65
205
5,397

4,919
305
156
225
5,606

Allowances for gross exposure

NPE coverage ratio
NPE ratio

107
61.9%
3.3%

113
55.1%
3.8%

122
54.3%
4.0%

17,568
2,904
685
1,307
22,464

17,544
2,958
623
1,376
22,501

17,531
2,858
573
1,320
22,282

Allowances for gross exposure

NPE coverage ratio
NPE ratio

730
55.9%
5.8%

763
55.4%
6.1%

752
57.0%
5.9%

Services
Low risk
Management attention
Substandard
Non-performing
Gross exposure

4,656
992
177
515
6,339

4,424
920
177
497
6,019

4,368
959
172
502
6,002

Allowances for gross exposure

NPE coverage ratio
NPE ratio

331
64.3%
8.1%

320
64.5%
8.3%

337
67.0%
8.4%

38,957
500
85
41
39,582

38,353
439
28
29
38,849

39,055
487
31
31
39,605

Allowances for gross exposure

NPE coverage ratio
NPE ratio

34
83.1%
0.1%

29
102.4%
0.1%

32
101.0%
0.1%

Education, health and art

Low risk
Management attention
Substandard
Non-performing
Gross exposure

1,991
637
46
200
2,874

2,010
518
46
265
2,839

2,011
629
53
257
2,950

Allowances for gross exposure

NPE coverage ratio
NPE ratio

88
43.8%
7.0%

86
32.4%
9.3%

84
32.6%
8.7%

Allowances for gross exposure

NPE coverage ratio
NPE ratio

Real estate and housing

Low risk
Management attention
Substandard
Non-performing
Gross exposure

Public administration
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Households
Low risk
Management attention
Substandard
Non-performing
Gross exposure

43,179
6,667
1,471
3,470
54,787

43,511
6,546
1,265
3,582
54,904

43,997
6,335
1,349
3,541
55,220

Allowances for gross exposure

NPE coverage ratio
NPE ratio

2,319
66.8%
6.3%

2,342
65.4%
6.5%

2,324
65.6%
6.4%

Other
Low risk
Management attention
Substandard
Non-performing
Gross exposure

471
56
570
41
1,139

514
40
539
31
1,124

468
48
627
31
1,173

94
225.8%
3.6%

93
304.1%
2.7%

112
366.2%
2.6%

143,972
19,694
4,460
11,526
179,652

143,560
18,992
4,187
11,885
178,624

143,768
18,378
4,164
11,745
178,055

7,188
62.4%
6.4%

7,315
61.5%
6.7%

7,354
62.6%
6.6%

74,953
8,305
1,657
3,311
88,226

74,808
8,153
1,663
3,376
88,000

75,370
7,973
1,625
3,331
88,299

2,077
62.7%
3.8%

2,066
61.2%
3.8%

2,050
61.5%
3.8%

30,832
3,666
708
1,058
36,263

29,779
3,307
673
1,085
34,843

29,590
3,194
652
1,016
34,453

761
71.9%
2.9%

766
70.7%
3.1%

768
75.6%
3.0%

10,632
3,026
838
3,516
18,011

10,802
3,122
636
3,610
18,170

10,998
2,784
730
3,513
18,025

Allowances for gross exposure

NPE coverage ratio
NPE ratio
Country of origination split
Core markets
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Austria
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Czech Republic
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Romania
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Allowances for gross exposure

NPE coverage ratio
NPE ratio

2,131
60.6%
19.5%

2,218
61.4%
19.9%

2,215
63.1%
19.5%

13,293
1,129
250
454
15,126

13,110
1,103
287
449
14,949

13,338
1,107
260
471
15,176

412
90.6%
3.0%

411
91.4%
3.0%

411
87.2%
3.1%

7,107
1,626
466
1,703
10,902

7,762
1,440
396
1,765
11,363

7,417
1,358
359
1,784
10,919

Allowances for gross exposure

NPE coverage ratio
NPE ratio

1,045
61.3%
15.6%

1,041
59.0%
15.5%

1,054
59.1%
16.3%

Croatia
Low risk
Management attention
Substandard
Non-performing
Gross exposure

6,338
1,618
491
1,369
9,816

6,557
1,549
493
1,481
10,080

6,299
1,593
494
1,509
9,895

Allowances for gross exposure

NPE coverage ratio
NPE ratio

675
49.3%
13.9%

728
49.1%
14.7%

766
50.8%
15.3%

Serbia
Low risk
Management attention
Substandard
Non-performing
Gross exposure

817
325
50
115
1,307

742
318
39
120
1,219

756
368
44
121
1,289

Allowances for gross exposure

NPE coverage ratio
NPE ratio

88
76.5%
8.8%

85
71.3%
9.8%

91
74.9%
9.4%

31,074
1,319
363
771
33,526

28,185
1,250
336
730
30,502

26,156
1,083
423
781
28,444

Allowances for gross exposure

NPE coverage ratio
NPE ratio

337
43.7%
2.3%

324
44.4%
2.4%

315
40.4%
2.7%

Other industrialised countries

Low risk

2,275

2,171

2,234

Slovakia
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Hungary
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Other EU
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Management attention
Substandard
Non-performing
Gross exposure

129
17
130
2,551

131
18
125
2,445

84
33
140
2,491

Allowances for gross exposure

NPE coverage ratio
NPE ratio

112
85.6%
5.1%

99
79.7%
5.1%

103
73.6%
5.6%

Emerging markets
Low risk
Management attention
Substandard
Non-performing
Gross exposure

2,341
666
121
220
3,348

2,399
685
117
229
3,429

2,495
599
96
251
3,441

Allowances for gross exposure

NPE coverage ratio
NPE ratio

163
73.9%
6.6%

171
74.6%
6.7%

180
71.5%
7.3%

Southeastern Europe/CIS
Low risk
Management attention
Substandard
Non-performing
Gross exposure

1,512
593
113
189
2,407

1,468
611
110
201
2,390

1,516
538
88
223
2,364

Allowances for gross exposure

NPE coverage ratio
NPE ratio

148
77.9%
7.9%

159
79.4%
8.4%

166
74.7%
9.4%

505
12
0
17
533

574
12
0
19
605

566
10
0
19
596

8
50.2%
3.1%

8
43.7%
3.1%

10
53.0%
3.2%

83
17
0
8
109

50
18
0
3
71

49
17
0
3
69

5
59.5%
7.5%

1
28.9%
4.8%

1
29.2%
5.0%

241
44
7
6
299

307
44
6
6
363

364
34
8
6
412

2
34.7%

2
34.7%

2
35.8%

Asia
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Latin America
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Middle East/Africa
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio

NPE ratio

2.1%

1.6%

1.4%

41,432
5,712
1,384
3,634
52,162

41,839
5,604
1,168
3,663
52,273

42,346
5,413
1,258
3,666
52,684

2,519
69.3%
7.0%

2,499
68.2%
7.0%

2,505
68.3%
7.0%

20,403
4,850
905
3,518
29,677

20,172
4,659
797
3,665
29,293

20,795
4,382
708
3,648
29,534

2,142
60.9%
11.9%

2,238
61.1%
12.5%

2,227
61.0%
12.4%

30,571
193
430
22
31,216

29,263
234
428
20
29,944

29,437
188
446
18
30,088

13
59.8%
0.1%

18
90.1%
0.1%

31
172.5%
0.1%

10,480
1,702
354
790
13,326

10,985
1,492
385
784
13,645

10,928
1,377
353
799
13,457

528
66.8%
5.9%

524
66.8%
5.7%

530
66.3%
5.9%

7,054
2,107
698
1,934
11,793

6,876
1,926
698
2,039
11,539

6,616
1,984
795
2,001
11,396

Allowances for gross exposure

NPE coverage ratio
NPE ratio

1,026
53.1%
16.4%

1,079
52.9%
17.7%

1,157
57.8%
17.6%

Other Corporate
Low risk
Management attention
Substandard

2,916
126
29

2,693
153
23

2,612
106
49

Business line segmentation

Retail
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
SME
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
ALM & LCC
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Total corporate
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Commercial Real Estate
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Non-performing
Gross exposure

97
3,168

88
2,958

89
2,856

Allowances for gross exposure

NPE coverage ratio
NPE ratio

92
95.0%
3.1%

77
86.8%
3.0%

79
89.0%
3.1%

25,323
287
16
3
25,629

23,034
156
20
6
23,217

19,948
154
10
6
20,118

0
10.4%
0.0%

1
11.7%
0.0%

1
24.9%
0.0%

507
141
25
0
673

461
167
25
2
656

434
152
25
2
614

Allowances for gross exposure

NPE coverage ratio
NPE ratio

1
6579.4%
0.0%

1
23.5%
0.4%

1
25.4%
0.4%

Geographic segmentation
Austria
Low risk
Management attention
Substandard
Non-performing
Gross exposure

106,358
11,515
2,148
5,097
125,118

105,058
11,162
2,104
5,311
123,635

103,206
10,821
2,264
5,301
121,592

3,145
61.7%
4.1%

3,168
59.7%
4.3%

3,159
59.6%
4.4%

0
0
8,754
106,374
3,719
6,271

0
0
8,222
104,998
4,418
5,997

0
0
8,156
104,163
3,741
5,533

31,194
2,416
334
1,096
35,040

31,370
2,363
372
1,125
35,230

31,641
2,248
460
1,097
35,446

Allowances for gross exposure

NPE coverage ratio
NPE ratio

718
65.6%
3.1%

735
65.3%
3.2%

712
64.9%
3.1%

Currency split
CEE-LCY
CHF

0
0
3,162

0
0
2,916

0
0
2,858

Group Markets
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Group Corporate Center
Low risk
Management attention
Substandard
Non-performing
Gross exposure

Allowances for gross exposure

NPE coverage ratio
NPE ratio
Currency split
CEE-LCY
CHF
EUR
USD
Other
EBOe & Subsidiaries
Low risk
Management attention
Substandard
Non-performing
Gross exposure

EUR
USD
Other

31,432
88
358

31,914
89
310

32,225
83
280

Savings Banks
Low risk
Management attention
Substandard
Non-performing
Gross exposure

40,975
6,690
1,119
2,649
51,432

40,992
6,668
1,114
2,701
51,475

41,539
6,389
1,071
2,688
51,686

1,585
59.9%
5.2%

1,605
59.4%
5.2%

1,573
58.5%
5.2%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
0
5,207
45,113
149
962

0
0
4,955
45,492
143
886

0
0
4,855
45,774
134
922

Other Austria
Low risk
Management attention
Substandard
Non-performing
Gross exposure

34,189
2,409
695
1,353
38,645

32,697
2,131
618
1,485
36,931

30,027
2,184
734
1,516
34,460

841
62.2%
3.5%

828
55.7%
4.0%

875
57.7%
4.4%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
0
385
29,828
3,482
4,950

0
0
350
27,592
4,186
4,802

0
0
443
26,164
3,523
4,330

Central and Eastern Europe

Low risk
Management attention
Substandard
Non-performing
Gross exposure

64,539
10,061
2,464
7,548
84,612

62,970
9,591
2,215
7,655
82,431

62,518
9,087
2,121
7,614
81,339

4,756
63.0%
8.9%

4,863
63.5%
9.3%

4,943
64.9%
9.4%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
47,469
3,581
32,706
741
114

0
46,215
3,458
31,936
709
112

0
45,332
3,407
31,800
668
133

Czech Republic
Low risk
Management attention
Substandard

31,617
3,111
599

30,467
2,842
600

30,030
2,796
531

Allowances for gross exposure

NPE coverage ratio
NPE ratio

Allowances for gross exposure

NPE coverage ratio
NPE ratio

Allowances for gross exposure

NPE coverage ratio
NPE ratio

Non-performing
Gross exposure

1,034
36,361

1,013
34,923

928
34,286

741
71.7%
2.8%

735
72.6%
2.9%

732
78.9%
2.7%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
32,102
6
4,089
133
31

0
31,004
6
3,760
122
31

0
30,361
5
3,751
122
47

Romania
Low risk
Management attention
Substandard
Non-performing
Gross exposure

9,521
3,002
814
3,310
16,647

9,284
3,067
651
3,350
16,351

9,376
2,657
684
3,332
16,048

Allowances for gross exposure

NPE coverage ratio
NPE ratio

2,010
60.7%
19.9%

2,086
62.3%
20.5%

2,121
63.7%
20.8%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
7,324
0
8,890
386
46

0
7,202
0
8,750
357
42

0
7,206
0
8,488
312
41

10,656
931
228
420
12,235

10,410
896
261
396
11,963

10,616
898
243
410
12,167

375
89.2%
3.4%

372
93.9%
3.3%

371
90.5%
3.4%

0
0
0
12,184
25
26

0
0
0
11,896
40
27

0
0
0
12,095
44
27

Hungary
Low risk
Management attention
Substandard
Non-performing
Gross exposure

6,118
1,379
402
1,533
9,432

5,951
1,233
317
1,520
9,021

5,601
1,110
281
1,549
8,541

Allowances for gross exposure

NPE coverage ratio
NPE ratio

973
63.5%
16.2%

970
63.8%
16.9%

982
63.4%
18.1%

Allowances for gross exposure

NPE coverage ratio
NPE ratio

Slovakia
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Currency split
CEE-LCY
CHF
EUR
USD
Other

Currency split

CEE-LCY
CHF
EUR
USD
Other

5,089
2,879
1,447
17
1

4,777
2,779
1,447
16
2

4,503
2,738
1,278
20
2

Croatia
Low risk
Management attention
Substandard
Non-performing
Gross exposure

6,138
1,410
408
1,177
9,133

6,365
1,342
372
1,300
9,379

6,373
1,359
374
1,316
9,422

Allowances for gross exposure

NPE coverage ratio
NPE ratio

596
50.7%
12.9%

636
48.9%
13.9%

672
51.0%
14.0%

Currency split
CEE-LCY
CHF
EUR
USD
Other

0
2,672
678
5,607
165
10

0
2,969
655
5,584
160
10

0
2,936
646
5,670
156
13

488
228
14
74
804

494
212
14
76
795

521
267
8
79
875

61
82.1%
9.3%

64
83.6%
9.6%

65
82.3%
9.0%

0
282
17
489
15
1

0
264
17
500
14
0

0
326
17
518
13
1

Serbia
Low risk
Management attention
Substandard
Non-performing
Gross exposure
Allowances for gross exposure
NPE coverage ratio
NPE ratio
Currency split
CEE-LCY
CHF
EUR
USD
Other

Q4 13

Q1 14

173,192
19,969
4,302
12,828
210,291

175,242
19,641
4,641
12,650
212,174

8,029
62.6%
6.1%

7,953
62.9%
6.0%

44,172
11,551
143,531
4,790
6,246

42,396
11,876
146,841
4,716
6,345

1,580
471
84
270
2,405

1,548
460
66
280
2,355

173
64.1%
11.2%

175
62.3%
11.9%

390
131
5
63
589

378
128
5
45
555

44
69.4%
10.7%

27
60.1%
8.1%

9,373
1,763
451
1,702
13,290

9,703
1,636
314
1,828
13,482

1,147
67.4%
12.8%

1,098
60.1%
13.6%

3,225
410
96
217
3,948

3,190
370
83
212
3,854

130

126

60.0%
5.5%

59.4%
5.5%

6,878
1,471
198
1,811
10,358

6,599
1,510
181
1,712
10,003

1,110
61.3%
17.5%

1,082
63.2%
17.1%

2,858
385
48
600
3,892

2,747
473
49
573
3,842

331
55.1%
15.4%

362
63.2%
14.9%

7,139
1,597
310
1,536
10,583

7,381
1,565
290
1,538
10,775

943
61.4%
14.5%

921
59.9%
14.3%

4,438
588
73
335
5,434

4,301
576
51
328
5,256

245
73.1%
6.2%

228
69.5%
6.2%

2,318
908
230
864
4,320

2,293
903
253
826
4,275

397
46.0%
20.0%

410
49.6%
19.3%

32,569
1,694
49

34,246
1,282
131

497
34,808

365
36,025

327
65.9%
1.4%

302
82.8%
1.0%

4,722
329
23
311
5,386

4,500
335
95
264
5,194

165
52.9%
5.8%

189
71.6%
5.1%

17,454
2,720
556
1,244
21,974

17,563
2,551
569
1,277
21,961

760
61.1%
5.7%

764
59.8%
5.8%

4,684
895
170
464
6,213

4,625
1,080
188
453
6,346

318
68.6%
7.5%

307
67.7%
7.1%

37,224
548
32
22
37,827

37,381
567
3
16
37,967

20
89.8%
0.1%

16
104.4%
0.0%

2,065
449
62
365
2,941

1,936
499
64
355
2,854

82
22.6%
12.4%

121
34.1%
12.4%

43,383
6,281
1,362
3,408
54,434

43,596
6,322
1,388
3,385
54,692

2,256
66.2%
6.3%

2,290
67.6%
6.2%

472
42
623
29
1,166

504
191
1,053
28
1,776

75
258.4%
2.5%

86
307.2%
1.6%

144,071
17,981
3,918
11,591
177,560

143,604
17,656
4,260
11,437
176,958

7,246
62.5%
6.5%

7,174
62.7%
6.5%

75,710
8,225
1,599
3,289
88,824

75,973
8,865
2,200
3,214
90,252

2,044
62.2%
3.7%

2,078
64.6%
3.6%

29,635
2,695
532
1,098
33,959

28,122
2,500
557
1,094
32,273

765
69.7%
3.2%

786
71.9%
3.4%

10,729
3,080
704
3,346
17,860

11,262
2,514
440
3,293
17,508

2,149
64.2%
18.7%

2,013
61.1%
18.8%

13,640
879
269
509
15,299

13,903
823
307
505
15,538

406
79.7%
3.3%

402
79.7%
3.2%

7,177
1,334
292
1,671
10,474

7,039
1,211
245
1,597
10,091

975
58.4%
16.0%

942
59.0%
15.8%

6,448
1,440
476
1,538
9,902

6,627
1,441
434
1,589
10,092

806
52.4%
15.5%

849
53.4%
15.7%

731
327
45
139
1,242

678
302
77
146
1,203

101
72.2%
11.2%

104
71.4%
12.1%

23,681
1,195
296
865
26,037

25,952
1,234
281
894
28,361

338
39.1%
3.3%

340
38.0%
3.2%

2,867

3,493

153
30
132
3,182

54
25
80
3,653

101
76.8%
4.1%

90
112.6%
2.2%

2,574
641
57
240
3,511

2,192
697
74
239
3,202

168
69.9%
6.8%

170
71.1%
7.5%

1,442
596
57
205
2,300

1,383
645
60
214
2,301

162
79.0%
8.9%

164
76.6%
9.3%

675
12
0
17
704

473
11
0
15
500

2
10.4%
2.4%

2
13.1%
3.0%

67
2
0
3
72

63
15
0
3
82

1
26.9%
4.6%

0
13.8%
4.0%

389
30
0
15
435

273
26
14
6
319

3
21.1%

3
52.2%

3.4%

1.8%

41,264
4,994
1,244
3,487
50,989

41,528
5,025
1,259
3,428
51,240

2,376
68.2%
6.8%

2,379
69.4%
6.7%

22,620
3,845
639
3,553
30,657

19,549
3,162
485
2,726
25,923

2,190
61.6%
11.6%

1,641
60.2%
10.5%

27,428
429
126
30
28,013

27,759
260
171
21
28,211

18
61.4%
0.1%

17
79.6%
0.1%

10,826
896
266
653
12,642

12,528
1,468
162
1,467
15,625

476
72.9%
5.2%

948
64.6%
9.4%

6,309
1,780
580
2,210
10,879

6,171
1,522
580
2,163
10,436

1,217
55.1%
20.3%

1,188
54.9%
20.7%

3,232
455
78

3,113
429
58

189
3,955

152
3,751

129
68.4%
4.8%

118
77.6%
4.0%

17,864
279
30
3
18,176

21,724
301
50
3
22,079

1
18.2%
0.0%

1
21.2%
0.0%

1,197
620
317
22
2,156

725
589
779
20
2,114

8
33.8%
1.0%

18
89.0%
1.0%

102,356
10,902
2,015
5,603
120,876

105,738
11,078
2,140
5,492
124,448

3,294
58.8%
4.6%

3,290
59.9%
4.4%

0
0
8,347
103,091
3,788
5,650

0
0
8,761
105,758
4,015
5,914

31,423
2,447
400
1,143
35,413

31,602
2,592
453
1,058
35,706

719
62.9%
3.2%

714
67.4%
3.0%

0
0
2,729

0
0
2,679

32,378
69
237

32,739
62
226

42,451
6,670
1,022
2,681
52,824

42,145
6,885
1,095
2,671
52,796

1,614
60.2%
5.1%

1,643
61.5%
5.1%

0
0
4,638
47,160
135
892

0
0
4,458
47,298
132
908

28,482
1,785
593
1,778
32,638

31,991
1,601
591
1,763
35,946

961
54.0%
5.4%

933
52.9%
4.9%

0
0
980
23,553
3,584
4,521

0
0
1,624
25,720
3,820
4,781

62,162
8,355
1,969
7,202
79,688

61,282
7,855
1,700
7,117
77,954

4,727
65.6%
9.0%

4,607
64.7%
9.1%

0
44,171
3,157
31,559
688
113

0
42,381
3,063
31,752
611
147

30,174
2,353
464

28,587
2,297
451

874
33,865

860
32,194

681
77.9%
2.6%

697
81.1%
2.7%

0
29,925
5
3,757
131
47

0
28,144
6
3,865
124
56

8,979
2,624
659
3,168
15,431

9,465
2,379
402
3,114
15,359

2,079
65.6%
20.5%

1,934
62.1%
20.3%

0
7,045
0
8,072
283
31

0
7,238
0
7,831
229
61

11,015
661
245
453
12,374

11,278
636
279
458
12,651

365
80.4%
3.7%

368
80.3%
3.6%

0
0
0
12,297
56
20

0
0
0
12,576
56
19

5,064
1,111
235
1,425
7,834

4,940
963
220
1,358
7,481

890
62.5%
18.2%

846
62.3%
18.2%

3,996
2,540
1,244
53
2

3,808
2,453
1,181
39
1

6,402
1,365
357
1,195
9,319

6,503
1,350
336
1,228
9,417

644
53.9%
12.8%

686
55.9%
13.0%

0
2,894
595
5,671
147
12

0
2,901
586
5,769
152
9

528
241
10
86
865

509
232
11
99
851

67
77.9%
10.0%

75
76.2%
11.6%

0
312
17
516
18
2

0
290
18
531
11
1

Local entity data (IFRS, consolidated)

in EUR million
esk spoitelna 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
Slovensk sporitea 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 Comercial Romn 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
114.7
0.0
17.9
0.0
8.6
-92.8
-69.9
-22.7
6.5
-36.8
9.0
0.0
205.0
-40.6
164.4
0.0
164.4
0.0
164.4

262.1
108.1
1.7
24.6
0.0
8.1
-89.5
-71.0
-22.3
-0.6
-41.3
11.0
0.0
190.8
-38.3
152.6
0.0
152.6
-0.4
152.9

263.9
105.7
0.2
21.7
0.0
7.7
-84.0
-76.5
-22.3
-2.6
-34.8
-19.0
0.0
159.8
-31.6
128.2
0.0
128.2
-0.1
128.3

253.1
106.5
0.1
20.0
0.0
7.5
-80.8
-69.3
-20.7
4.9
-27.3
0.6
0.0
194.6
-39.9
154.7
0.0
154.7
0.1
154.7

244.5
101.6
0.4
21.5
0.0
8.0
-77.6
-66.3
-20.8
4.2
-35.6
2.3
0.0
182.2
-36.2
146.0
0.0
146.0
0.3
145.8

1,067.2
2,874.8
964.2
1,910.5
274.5
1,737.8
7,130.5
2,925.3
18,483.1
40.7
0.0
558.9
368.3
118.7
8.1
6.8
4.7
0.0
2,458.0
38,057.4

1,881.4
2,622.3
793.3
1,829.0
256.9
1,718.4
6,300.9
2,417.5
18,398.5
36.5
0.0
550.3
329.3
115.6
8.8
10.3
4.6
0.0
2,274.0
36,925.4

2,082.5
2,298.9
790.3
1,508.6
200.1
2,110.4
5,665.8
2,348.0
18,634.0
42.6
0.0
547.3
312.1
119.2
6.9
6.6
4.6
0.0
2,285.5
36,664.6

2,828.6
1,739.8
771.8
968.0
154.0
3,000.5
5,641.2
2,747.2
17,836.2
34.5
0.0
516.5
303.7
121.5
1.2
3.7
4.6
0.0
386.9
35,320.1

2,694.5
1,514.4
790.1
724.3
153.2
2,388.3
5,185.5
2,078.7
17,907.5
32.6
0.0
506.9
303.1
116.5
1.2
4.8
5.5
0.0
411.6
33,304.3

1,015.2
1,015.0
0.3
663.3
0.0
591.8
71.5
0.0
30,131.5
2,117.4
26,629.5
1,384.6
0.0

854.5
854.3
0.2
597.0
0.0
527.0
70.0
0.0
29,414.5
2,062.1
26,123.4
1,229.0
0.0

827.6
827.3
0.3
569.1
0.0
498.2
70.9
0.0
29,027.3
1,577.6
26,195.4
1,254.3
0.0

875.9
875.9
0.0
526.3
0.0
460.0
66.3
0.0
29,739.3
2,662.9
26,031.9
1,044.4
0.0

900.4
900.4
0.0
509.1
0.0
448.8
60.3
0.0
27,495.5
2,263.2
24,277.4
954.8
0.0

8.9
0.0
103.1
11.4
10.5
0.0
2,331.4
3,781.8
3.6
3,778.1
38,057.0

9.6
0.0
94.3
3.1
13.2
0.0
2,346.3
3,592.9
1.0
3,591.9
36,925.5

9.1
0.0
94.4
5.4
10.4
0.0
2,359.6
3,761.8
1.0
3,760.8
36,664.6

15.4
0.0
94.6
15.1
3.7
0.0
368.2
3,681.7
11.5
3,670.2
35,320.1

18.5
0.0
90.1
18.0
8.8
0.0
440.5
3,823.5
11.8
3,811.7
33,304.3

109.2
29.1
0.0
1.4
0.3
0.4
-28.1
-18.9
-12.3
0.0
-14.3
-14.6
-10.5
52.3
-10.2
42.1
0.0
42.1
0.2
41.9

112.0
29.3
0.2
2.7
1.0
0.5
-29.8
-20.7
-12.0
0.5
-9.3
-11.7
-10.5
62.8
-13.3
49.5
0.0
49.5
0.1
49.4

115.3
28.6
0.1
3.9
0.7
0.5
-29.2
-21.1
-12.0
0.2
-6.0
-12.7
-10.1
68.4
-16.4
52.0
0.0
52.0
0.3
51.7

111.5
30.5
0.0
3.7
0.8
0.5
-31.8
-22.4
-12.3
1.3
-17.7
-8.2
-10.1
55.9
-14.1
41.8
0.0
41.8
-0.2
42.0

111.9
29.9
0.3
2.7
0.7
0.4
-29.6
-24.0
-11.9
0.0
-12.7
-11.0
-10.3
56.8
-13.6
43.2
0.0
43.2
0.2
43.1

358.3
63.4
63.4
0.0
29.5
1,356.7
2,583.4
188.2
6,889.2
6.6
22.1
226.3
2.9
99.3
25.5
18.3
59.0
0.0
43.4
11,972.0

311.0
63.0
63.0
0.0
30.9
921.6
2,745.3
69.4
6,919.6
6.0
0.0
221.7
2.8
96.2
23.4
0.0
56.9
0.0
59.8
11,527.6

303.4
58.8
58.8
0.0
31.2
922.4
2,775.9
39.5
6,977.7
5.1
0.0
215.2
2.8
95.3
24.0
0.0
56.5
0.0
69.4
11,577.0

330.0
50.7
50.7
0.0
31.2
859.4
2,764.9
80.1
7,161.2
5.1
0.0
210.2
2.8
97.2
24.8
0.0
36.6
0.0
44.8
11,699.0

279.0
53.5
53.5
0.0
27.2
888.3
2,832.7
38.2
7,294.5
6.1
0.0
204.1
3.4
94.9
25.4
0.0
35.1
0.0
22.8
11,805.1

67.0
67.0
0.0

66.4
66.4
0.0

61.6
61.6
0.0

52.0
52.0
0.0

54.8
54.8
0.0

0.0
0.0
0.0
0.0
0.0
10,476.7
878.0
8,938.9
659.7
0.0
21.7
6.5
27.7
0.0
0.0
0.0
127.3
1,245.1
3.0
1,242.1
11,972.0

0.0
0.0
0.0
0.0
0.0
10,094.0
812.4
8,600.8
680.8
0.0
17.6
0.0
25.1
8.3
0.0
0.0
129.4
1,186.8
3.1
1,183.7
11,527.6

0.0
0.0
0.0
0.0
0.0
10,070.9
726.0
8,673.2
671.7
0.0
17.8
0.0
26.1
16.5
0.0
0.0
144.1
1,240.1
3.4
1,236.7
11,577.0

0.0
0.0
0.0
0.0
0.0
10,212.2
424.4
9,090.6
697.2
0.0
18.2
0.0
23.9
2.6
0.3
0.0
98.7
1,291.2
3.2
1,288.0
11,699.0

0.0
0.0
0.0
0.0
0.0
10,216.2
349.3
9,125.9
741.0
0.0
19.7
0.0
24.1
6.8
0.3
0.0
143.7
1,339.5
3.4
1,336.1
11,805.1

164.3
36.0
0.0
26.0
0.0
0.9
-44.8
-36.8
-12.7
0.0
-114.9
-22.7
0.0
-4.8
2.4
-2.3
0.0
-2.3
0.5
-2.8

160.4
38.2
2.3
24.5
0.0
1.5
-41.9
-36.3
-13.0
0.0
-114.7
-15.9
0.0
5.1
124.9
130.0
0.0
130.0
0.5
129.5

156.4
42.6
0.0
26.1
0.0
1.3
-43.9
-35.4
-12.5
0.5
-116.8
-13.4
0.0
5.0
-4.3
0.7
0.0
0.7
0.4
0.3

147.7
52.3
0.0
23.2
0.8
1.3
-42.6
-38.2
-11.3
2.7
-107.9
-19.0
0.0
9.1
-1.8
7.3
0.0
7.3
0.4
6.9

143.1
39.1
0.0
19.6
0.2
1.2
-39.1
-31.1
-10.3
0.1
-110.3
-5.3
0.0
7.3
-7.1
0.2
0.0
0.2
0.4
-0.2

2,117.5
93.6
20.7
72.9
10.3
906.6
2,351.7
110.8
9,726.8
7.1
0.0
364.2
10.2
93.5
0.0

2,083.4
113.3
13.3
100.0
9.2
960.7
2,345.3
81.9
9,368.6
6.3
0.0
352.0
10.0
89.1
16.1

1,958.4
51.8
11.0
40.8
7.6
1,015.8
2,562.9
80.8
8,898.9
8.5
0.0
345.1
10.0
86.6
15.7

2,151.8
83.6
9.6
74.0
7.7
1,167.5
2,289.3
96.7
8,445.2
8.8
0.0
335.8
9.9
86.6
17.0

1,712.9
92.2
11.1
81.1
7.2
1,845.3
2,172.3
48.2
8,223.0
14.5
0.0
332.7
9.8
83.9
3.4

40.2
7.7
13.8
117.8
15,971.6

0.2
78.7
13.1
102.8
15,630.7

18.3
73.6
12.8
120.2
15,266.9

20.0
70.5
24.0
110.5
14,924.8

20.0
65.5
20.1
106.1
14,757.0

17.7
17.7
0.0
0.0
0.0
0.0
0.0
0.0
13,842.3
5,023.0
8,468.3
351.0
0.0
321.4
0.0
97.4
0.6
55.8
0.0
98.3
1,538.2
4.8
1,533.4
15,971.6

18.1
18.1
0.0
0.0
0.0
0.0
0.0
0.0
13,558.9
5,005.9
8,217.8
335.1
0.0
233.1
0.0
82.9
0.6
2.6
0.0
84.3
1,650.2
5.2
1,645.0
15,630.7

14.7
14.7
0.0
0.0
0.0
0.0
0.0
0.0
13,121.5
4,433.0
8,350.7
337.8
0.0
233.1
0.0
85.9
0.8
1.7
0.0
155.5
1,653.7
5.8
1,647.9
15,266.9

14.8
14.8
0.0
0.0
0.0
0.0
0.0
0.0
12,816.9
4,087.4
8,387.4
342.2
0.0
243.2
0.0
89.3
0.5
0.9
0.0
99.8
1,659.5
6.3
1,653.3
14,924.8

10.3
10.3
0.0
0.0
0.0
0.0
0.0
0.0
12,655.2
3,966.7
8,379.8
306.4
2.3
238.3
0.0
89.1
0.4
1.0
0.0
103.5
1,659.3
6.5
1,652.8
14,757.0

78.3
27.9
0.0
2.0
0.0
0.1
-22.4
-19.1
-4.3
0.0
-57.7
-21.7
-26.8
-16.8
-3.6
-20.5
0.0
-20.5
0.0
-20.5

78.0
31.3
0.0
-3.9
0.0
0.0
-22.2
-17.3
-4.5
0.0
-52.7
-72.3
-53.5
-63.6
-4.5
-68.1
0.0
-68.1
0.0
-68.1

80.2
32.9
0.0
2.0
0.0
0.1
-22.4
-18.0
-4.5
0.0
-45.3
-16.6
-10.6
8.4
-3.2
5.2
0.0
5.2
0.0
5.2

72.0
39.6
0.0
3.9
0.0
0.4
-21.5
-17.8
-6.1
0.0
-45.6
-26.1
-12.4
-1.1
0.5
-0.6
0.0
-0.6
0.0
-0.6

70.5
33.6
0.0
-5.7
0.0
0.3
-20.8
-16.8
-4.6
0.0
-44.8
-61.6
-59.1
-49.8
-3.9
-53.7
0.0
-53.7
0.0
-53.7

219.0
1,431.0
45.2
1,385.8
0.0

179.6
1,474.4
36.2
1,438.3
0.0

216.5
1,353.0
19.0
1,334.0
0.0

183.8
1,106.4
24.4
1,082.0
0.0

268.3
1,055.3
25.8
1,029.5
0.0

610.0
1,212.7
401.6
5,097.4
0.1
0.0
36.6
0.0
46.3
0.0
2.5
0.2
2.5
188.6
9,248.3

84.9
1,419.8
395.2
4,950.3
0.9
0.0
37.4
0.0
47.7
3.0
9.8
0.1
1.8
189.8
8,794.8

0.2
1,297.8
519.0
4,826.2
0.1
0.0
35.9
0.0
47.6
2.9
1.6
0.1
1.1
167.0
8,468.9

235.6
834.8
445.0
4,581.1
0.7
0.0
36.3
10.2
47.0
2.9
0.9
0.2
0.5
146.1
7,631.6

292.9
736.3
415.0
4,341.4
0.7
0.0
34.5
9.6
45.6
2.8
2.3
0.3
0.2
161.2
7,366.4

53.1
45.4
7.7
0.0
0.0
0.0
0.0
0.0
8,393.9
3,631.5
4,753.3
9.1
0.0
8.7
0.0
13.1
3.3
4.1
0.0
100.5
671.6
0.0
671.6
9,248.3

40.1
29.3
10.8
0.0
0.0
0.0
0.0
0.0
7,972.2
3,325.9
4,634.2
12.1
0.0
0.9
0.0
15.7
14.6
3.2
0.0
127.4
620.8
0.0
620.8
8,794.8

37.1
30.6
6.4
0.0
0.0
0.0
0.0
0.0
7,682.9
2,878.3
4,557.6
247.0
0.0
8.9
0.0
20.6
10.6
2.5
0.0
89.9
616.4
0.0
616.4
8,468.9

37.8
33.1
4.7
0.0
0.0
0.0
0.0
0.0
6,885.2
2,751.4
4,093.1
40.7
0.0
7.0
0.0
17.5
0.5
0.0
0.0
64.8
618.7
0.0
618.7
7,631.6

55.8
45.5
10.3
0.0
0.0
0.0
0.0
0.0
6,627.6
2,875.7
3,702.3
49.6
0.0
10.8
0.0
17.1
0.0
0.0
0.0
103.2
551.8
0.0
551.8
7,366.4

66.5
14.3
0.1
4.5
0.2
0.0
-16.0
-16.1
-3.5
0.2
-30.7
0.3
0.0
19.6
-3.9
15.7
0.0
15.7

67.2
16.9
0.0
5.6
0.4
0.1
-16.6
-17.1
-3.6
0.0
-42.1
-1.1
0.0
9.8
-2.4
7.4
0.0
7.4

64.6
22.9
0.3
6.5
-0.1
0.1
-16.7
-16.0
-3.7
0.0
-42.3
-3.8
0.0
11.9
-1.9
10.0
0.0
10.0

67.0
18.4
0.0
3.8
-0.1
0.1
-16.2
-19.1
-3.9
0.0
-44.1
-12.3
0.0
-6.5
0.0
-6.5
0.0
-6.5

67.4
18.3
0.0
3.8
0.5
8.2
-17.2
-17.7
-9.8
0.0
-39.7
-0.5
0.0
13.3
-2.3
11.0
0.0
11.0

0.6
15.0

0.6
6.8

0.5
9.5

0.7
-7.1

1.8
9.2

480.6
47.4
11.8
35.6
0.0
876.0
106.4
916.5
5,934.8
0.0
0.0
92.2
2.0
94.3
9.2
4.4
22.6
0.0
32.3
8,618.5

420.6
78.7
47.4
31.3
0.0
899.5
112.3
1,000.0
6,074.0
0.0
0.0
92.3
2.8
99.9
9.2
4.4
26.1
0.0
35.6
8,855.3

468.0
63.6
11.5
52.1
0.0
813.1
123.7
1,132.1
6,090.0
0.0
0.0
87.9
2.7
97.5
8.6
3.4
28.9
0.0
35.7
8,955.3

505.0
51.1
11.3
39.8
0.0
834.4
100.6
989.5
6,140.8
0.0
0.0
87.2
2.7
97.7
5.1
11.5
25.0
0.0
45.9
8,896.6

448.6
48.9
10.2
38.8
0.0
868.3
106.5
1,003.3
6,170.5
0.0
0.0
178.6
2.8
96.2
5.8
15.6
27.7
0.0
62.8
9,035.7

9.5
9.5
0.0
0.0
0.0
0.0
0.0
0.0
7,556.3
3,120.6
4,311.7
124.0
0.0
0.0
0.0
17.3
2.1
2.3
0.0
54.0
977.0
5.7
971.2
8,618.5

14.2
14.2
0.0
0.0
0.0
0.0
0.0
0.0
7,771.1
3,141.7
4,504.0
125.5
0.0
0.0
0.0
17.8
1.6
2.0
0.0
55.2
993.4
5.6
987.8
8,855.3

31.8
31.8
0.0
0.0
0.0
0.0
0.0
0.0
7,874.3
3,186.3
4,566.8
121.2
0.0
0.0
0.0
18.8
1.6
1.8
0.0
58.8
968.1
6.0
962.2
8,955.3

11.6
11.6
0.0
0.0
0.0
0.0
0.0
0.0
7,828.5
3,102.6
4,603.9
122.1
0.0
0.0
0.0
27.6
2.2
1.5
0.0
58.9
966.3
6.6
959.7
8,896.6

16.4
16.4
0.0
0.0
0.0
0.0
0.0
0.0
7,919.9
3,239.7
4,556.3
123.8
0.0
0.0
0.0
31.4
2.0
1.2
0.0
72.3
992.4
21.3
971.1
9,035.7

10.3
2.9
0.0
0.5
0.0
0.0
-4.2
-4.1

9.8
3.3
0.0
0.7
0.0
0.0
-4.3
-4.5

9.9
3.5
0.0
0.6
0.0
0.0
-4.1
-4.2

10.2
3.7
0.0
0.7
0.0
0.0
-4.4
-4.5

9.2
3.1
0.0
0.6
0.1
0.0
-4.3
-4.5

-0.5
0.0
-1.9
-0.3
0.0
2.7
-0.2
2.4
0.0
2.4
0.0
2.4

-0.5
0.0
-2.8
0.4
0.0
2.1
0.0
2.1
0.0
2.1
0.0
2.1

-0.5
0.0
-2.2
0.0
0.0
2.8
0.0
2.8
0.0
2.8
0.0
2.8

-0.6
0.0
-2.7
-0.1
0.0
2.4
-1.2
1.2
0.0
1.2
0.0
1.2

-0.6
0.0
-2.7
-0.2
0.0
0.7
0.6
1.3
0.0
1.3
-0.1
1.5

149.7
2.0
0.0
2.0
0.0
11.2
51.9
72.1
516.3
0.0
0.0
6.2
0.0
2.9
0.0
0.0
1.5
0.0
2.8
816.7

115.4
1.2
0.0
1.2
0.0
18.8
58.4
58.0
501.4
0.0
0.0
6.2
0.0
2.7
0.0
0.0
1.5
0.0
2.9
766.5

113.1
5.5
0.0
5.5
0.0
14.4
56.8
117.3
511.9
0.0
0.0
6.1
0.0
2.4
0.0
0.0
1.5
0.0
3.6
832.6

140.2
15.4
0.0
15.4
0.0
15.3
53.3
115.4
496.5
0.0
0.0
6.2
0.0
3.6
0.0
0.0
0.3
0.0
2.8
849.0

171.4
35.7
0.1
35.6
0.0
20.7
64.8
59.6
493.7
0.0
0.0
6.1
0.0
3.3
0.8
0.2
0.9
0.0
3.4
860.7

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
683.5
51.5
597.9
34.1
0.0
0.0
0.0
4.0
0.0
0.0
0.0
7.5
121.6
0.0
121.6
816.7

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
632.1
57.7
541.0
33.4
0.0
0.0
0.0
3.5
0.0
0.0
0.0
9.3
121.7
0.0
121.7
766.5

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
697.7
36.5
628.6
32.6
0.0
0.0
0.0
3.4
0.0
0.0
0.0
8.4
123.1
0.0
123.1
832.6

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
715.2
81.8
601.3
32.2
0.0
0.0
0.0
3.6
0.0
0.0
0.0
5.7
124.4
0.0
124.4
849.0

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
722.0
99.1
609.9
13.0
0.0
0.0
0.0
3.8
0.0
0.0
0.0
7.7
127.2
0.5
126.7
860.7

74.0
64.2
3.3
5.2
0.0
0.0
-54.4
-38.6
-2.2
0.4
4.0
-3.9
-1.8
51.9
-12.2
39.7
0.0
39.7
0.0
39.7

76.6
61.0
11.4
0.0
0.0
0.0
-55.8
-35.0
-2.2
-0.1
-36.6
-0.7
-1.8
18.6
-1.9
16.7
0.0
16.7
0.0
16.7

80.2
62.0
1.6
0.3
0.0
0.0
-47.5
-38.3
-2.0
0.3
-4.5
-1.8
-1.8
50.1
-12.2
37.9
0.0
37.9
0.0
37.9

81.9
65.9
46.8
1.6
0.0
0.0
-54.3
-35.3
-3.3
0.0
-24.0
-5.9
-1.8
73.5
-6.5
67.0
0.0
67.0
0.0
67.0

85.5
67.1
1.2
0.6
0.0
0.0
-47.6
-39.9
-2.3
0.0
-19.4
-5.5
-1.5
39.5
-9.6
29.9
0.0
29.9
0.0
29.9

206.3
202.4
202.4
0.0
14.6
1,413.1
524.0
6,436.7
13,217.3
32.2
0.0
16.5
0.4
30.7
1,150.8
0.0
36.3
0.0
132.4
23,413.6

253.7
183.0
183.0
0.0
14.5
1,407.1
517.9
6,251.2
13,309.9
22.4
0.0
15.8
0.0
31.0
1,144.0
0.4
42.0
0.0
187.3
23,380.2

207.3
167.6
167.6
0.0
14.6
1,255.4
532.6
5,795.2
13,531.4
21.1
0.0
15.1
0.0
33.3
1,141.9
0.4
29.5
0.0
125.9
22,871.3

551.3
165.5
165.5
0.0
14.5
1,247.8
559.0
5,666.4
13,187.1
23.2
0.0
13.9
0.0
36.9
1,136.5
0.0
54.2
0.0
132.2
22,788.7

2,660.0
166.9
166.9
0.0
14.5
1,266.0
557.0
3,252.3
13,332.8
38.6
0.0
13.3
0.0
35.7
1,136.5
15.3
36.6
0.0
116.7
22,642.1

176.5
176.5
0.0
0.0
0.0
0.0
0.0
0.0
21,533.6
3,001.1
18,031.0
501.5
0.0
86.7
0.0

156.0
156.0
0.0
0.0
0.0
0.0
0.0
0.0
21,615.0
2,713.5
18,400.3
501.2
0.0
86.7
0.0

147.4
147.4
0.0
0.0
0.0
0.0
0.0
0.0
21,036.1
2,677.7
17,857.1
501.3
0.0
79.1
0.0

141.8
141.8
0.0
0.0
0.0
0.0
0.0
0.0
20,819.6
2,559.9
17,760.4
499.3
0.0
69.5
0.0

149.3
149.3
0.0
0.0
0.0
0.0
0.0
0.0
20,263.0
3,200.6
16,568.1
494.3
0.0
78.6
0.0

58.7
0.0
0.0
0.0
468.9
1,089.2
0.0
1,089.2
23,413.6

56.5
0.0
0.0
0.0
382.7
1,083.3
0.0
1,083.3
23,380.2

55.9
0.0
0.0
0.0
430.8
1,121.9
0.0
1,121.9
22,871.3

68.4
0.0
0.0
0.0
490.6
1,198.7
0.0
1,198.7
22,788.7

67.9
2.7
0.0
0.0
828.1
1,252.5
0.0
1,252.5
22,642.1