IR Tab Q114 EG Fin Data Sheets

Key financial data & ratios for Erste Group

in EUR million Q1 13 Q2 13

Income statement

in EUR million

Net interest income 1,196.7 1,143.3

Net fee and commission income 447.4 446.8

Net trading and fair value result 30.7 72.8

Operating income 1,748.0 1,734.9

Operating expenses -989.9 -970.3

Operating result 758.1 764.6

Net impairment loss on non-fair value financial assets -371.8 -412.6

Post-provision operating result 386.3 352.1

Other operating result -98.2 -279.4

Levies on banking activities -71.6 -113.1

Pre-tax result from continuing operations 310.1 68.4

Taxes on income -66.4 91.4

Net result for the period 243.7 159.8

Net result attributable to non-controlling interests 67.0 34.2

Net result attributable to owners of the parent 176.6 125.5

Earnings per share 0.36 0.23

Cash earnings per share 0.39 0.32

Return on equity 5.5% 3.9%

Cash return on equity 5.9% 5.0%

Net interest margin (on average interest-bearing assets) 2.71% 2.61%

Cost/income ratio 56.6% 55.9%

Provisioning ratio (on average gross customer loans) 1.13% 1.27%

Tax rate 21.4% -133.7%

Balance sheet

in EUR million Mar 13 Jun 13

Cash and cash balances 8,453 10,578

Trading, financial assets 56,389 54,964

Loans and receivables to credit institutions 10,896 9,150

Loans and receivables to customers 122,703 121,999

Intangible assets 2,858 2,807

Miscellaneous assets 11,911 10,932

Total assets 213,211 210,431

Financial liabilities - held for trading 8,845 7,533

Deposits from banks 21,359 22,004

Deposits from customers 123,057 122,470

Debt securities issued 34,471 33,653

Miscellaneous liabilities 9,041 8,533

Total equity 16,438 16,238

Total liabilities and equity 213,211 210,431

Loan/deposit ratio 99.7% 99.6%

NPL ratio 9.4% 9.7%

NPL coverage (exc collateral) 62.4% 61.7%

CET 1 ratio (phased-in) 11.2% 11.8%

Ratings

Fitch

Long-term A A

Short-term F1 F1

Outlook Stable Stable

Moody´s

Long-term A3 A3

Short-term P-2 P-2

Outlook Negative Negative

Standard & Poor´s

Long-term A A

Short-term A-1 A-1

Outlook Negative Negative

Q3 13 Q4 13 Q1 14

1,175.9 1,169.2 1,123.9

449.5 462.8 452.1

80.7 34.6 50.4

1,780.4 1,731.8 1,690.6

-964.2 -971.7 -963.3

816.2 760.1 727.3

-460.7 -529.4 -364.2

355.5 230.8 363.0

-142.6 -488.4 -119.8

-62.4 -63.9 -99.8

219.6 -219.6 239.5

-56.0 -147.5 -99.7

163.5 -367.1 139.8

35.2 3.2 36.5

128.4 -370.3 103.3

0.26 -0.91 0.24

0.35 -0.17 0.27

4.2% -12.8% 3.6%

2.6% -0.1% 4.1%

2.71% 2.73% 2.62%

54.2% 56.1% 57.0%

1.42% 1.65% 1.14%

25.5% -67.2% 41.6%

Sep 13 Dec 13 Mar 14

11,852 9,301 10,373

53,554 51,269 52,270

7,757 8,377 9,962

121,656 119,945 119,805

2,766 2,441 2,408

10,500 8,786 9,085

208,084 200,118 203,903

7,154 6,475 7,042

23,163 17,299 24,421

122,010 122,415 119,445

32,303 33,124 31,043

8,159 6,020 6,883

15,294 14,785 15,069

208,084 200,118 203,903

99.7% 98.0% 100.3%

9.6% 9.6% 9.6%

63.0% 63.1% 62.6%

10.9% 11.4% 11.1%

A A A

F1 F1 F1

Stable Stable Negative

A3 A3 A3

P-2 P-2 P-2

Negative Negative Negative

A A A

A-1 A-1 A-1

Negative Negative Negative

Consolidated financial statements (income statement and related notes)

in EUR million

Income statement

Net interest income

Net fee and commission income

Dividend income

Net trading and fair value result

Net result from equity method investments

Rental income from investment properties & other operating leases

Personnel expenses

Other administrative expenses

Depreciation and amortisation

Gains/losses from financial assets and liabilities not measured at fair value through profit or loss, net

Net impairment loss on financial assets not measured at fair value through profit or loss

Other operating result

Levies on banking activities

Pre-tax result from continuing operations

Taxes on income

Post-tax result from continuing operations

Post-tax result from discontinued operations

Net result for the period

Net result attributable to non-controlling interests

Net result attributable to owners of the parent

Statement of comprehensive income


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)



Currency translation



Deferred taxes relating to items that may be reclassified



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


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


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


Dividend income




Dividend income from equity investments

Dividend income


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



Investment properties

Operating leases


General administrative expenses

Personnel expenses

Wages and salaries

Compulsory social security

Long-term employee provisions

Other personnel expenses


Deposit insurance contribution

IT expenses

Expenses for office space

Office operating expenses

Advertising/marketing

Legal and consulting costs

Sundry administrative expenses


Software and other intangible assets

Owner occupied real estate


Amortisation of customer relationships

Office furniture and equipment and sundry property and equipment



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





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




Result from real estate/movables/properties/software

Allocation to/release of other risk provisions

Allocation to/release of provisions for commitments and guarantees given


Banking tax

Financial transaction tax

Other taxes

Impairment of goodwill

Result from other operating expenses/income


Q1 13 Q2 13 Q3 13 Q4 13 Q1 14

1,196.7 1,143.3 1,175.9 1,169.2 1,123.9

447.4 446.8 449.5 462.8 452.1

26.8 21.2 20.2 21.6 14.6

30.7 72.8 80.7 34.6 50.4

2.8 9.4 7.5 2.1 3.1

43.7 41.5 46.6 41.6 46.5

-564.6 -561.9 -552.5 -553.4 -545.9

-296.7 -280.3 -283.9 -285.1 -292.4

-128.7 -128.1 -127.8 -133.1 -125.0

22.0 -4.3 6.7 38.1 -3.7

-371.8 -412.6 -460.7 -529.4 -364.2

-98.2 -279.4 -142.6 -488.4 -119.8

-71.6 -113.1 -62.4 -63.9 -99.8

310.1 68.4 219.6 -219.6 239.5

-66.4 91.4 -56.0 -147.5 -99.7

243.7 159.8 163.5 -367.1 139.8

0.0 0.0 0.0 0.0 0.0

243.7 159.8 163.5 -367.1 139.8

67.0 34.2 35.2 3.2 36.5

176.6 125.5 128.4 -370.3 103.3

243.7 159.8 163.5 -367.1 139.8

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 -6.7 0.0

0.0 0.0 0.0 2.3 0.0

0.0 0.0 0.0 -4.5 0.0

6.7 -109.3 28.8 -39.4 131.3

12.6 -116.1 34.1 -23.3 140.5

-6.0 6.8 -5.3 -16.1 -9.3

-7.3 -61.0 -1.7 -1.9 22.7

-8.1 -64.4 1.7 -1.6 27.9

0.8 3.4 -3.4 -0.4 -5.2

-131.9 68.4 -0.2 -177.7 -14.0

-131.9 -11.4 -0.2 -177.7 -14.0

0.0 79.8 0.0 0.0 0.0

8.7 45.1 -2.3 -6.6 -51.3

9.0 46.2 -4.8 -9.4 -53.7

-0.4 -1.0 2.5 2.9 2.4

-123.8 -56.8 24.6 -225.6 88.8

-123.8 -56.8 24.6 -230.0 88.8

119.8 103.0 188.1 -597.1 228.6

47.4 -40.4 44.1 -33.7 42.1

72.4 143.4 144.1 -563.4 186.5

103.3

0.0

103.3

427,568,187

0.24

427,568,187

0.24

415,076,934

-5,713,057

7,627,638

0

0

416,991,515

12,808,485

429,800,000

427,568,187

0

0

427,568,187

0

0

0

0

0

0

0

9,740.0 0.0 0.0 0.0 9,300.7

-1,214.6 2,383.1 2,024.8 -2,992.9 2,741.9

-114.0 292.0 205.0 512.5 415.5

61.0 -537.0 -947.0 -17.0 -2,081.0

-19.0 -13.0 -9.0 -54.2 -4.4

8,453.4 2,125.1 1,273.8 -2,551.6 10,372.7

168.8 73.1 95.9 184.1 115.5

6.8 4.5 -3.2 0.6 1.0

153.0 125.7 112.3 118.6 112.8

1,380.9 1,314.8 1,313.8 1,259.9 1,232.3

174.1 185.7 162.0 164.5 153.7

-1.0 -10.8 -11.0 -23.0 19.3

8.3 8.6 18.3 -1.0 31.5

1,890.9 1,701.7 1,688.1 1,703.7 1,666.2

-53.9 25.4 -3.1 -128.1 -33.2

-14.7 -15.8 -14.4 -14.8 -13.1

-712.6 -657.5 -601.8 -574.6 -553.8

89.3 90.9 109.6 179.5 82.7

-2.2 -1.5 -2.6 3.5 -25.0

-694.2 -558.4 -512.2 -534.5 -542.3

1,196.7 1,143.3 1,175.9 1,169.2 1,123.9

59.1 52.2 86.4 45.5 76.2

2.2 6.7 8.0 -1.4 2.6

34.3 5.5 43.5 31.2 42.4

22.6 40.0 34.9 15.7 31.2

-1.6 -1.6 -1.2 7.9 15.0

29.0 23.2 3.0 24.3 28.6

10.5 21.2 15.5 49.5 11.9

0.1 0.0 0.8 0.3 0.6

210.5 227.9 232.3 232.8 200.3

47.4 65.6 47.4 50.3 39.0

163.1 162.3 184.9 182.6 161.4

51.3 37.9 30.2 38.5 44.0

3.1 3.2 0.7 0.5 3.4

25.0 22.5 19.4 32.8 27.6

11.0 5.8 7.3 -1.2 6.3

5.7 5.4 6.2 5.8 4.8

6.5 1.0 -3.4 0.6 1.9

0.0 0.0 0.0 0.0 0.0

0.0 0.2 0.1 1.2 0.0

66.4 63.7 58.9 70.0 61.0

7.3 9.1 5.0 4.5 9.5

12.3 12.7 16.3 24.2 21.8

46.8 41.9 37.6 41.3 29.7

22.0 22.1 23.5 -7.1 14.6

447.3 446.8 449.5 462.8 452.2

0.1 1.4 1.3 2.3 0.3

3.0 0.6 0.9 0.4 1.3

21.5 18.3 13.7 13.2 10.0

2.2 0.8 4.3 5.8 3.0

26.8 21.1 20.2 21.6 14.6

63.3 55.2 66.9 46.5 76.0

15.7 44.2 -11.9 -50.6 60.1

47.6 11.0 78.8 97.1 15.9

-32.5 17.6 13.8 -12.0 -25.6

3.9 -8.5 7.5 7.7 20.2

-36.4 26.1 6.3 -19.6 -45.8

30.8 72.8 80.6 34.6 50.4

20.0 19.4 19.7 20.2 20.9

23.7 22.1 26.9 21.3 25.6

43.7 41.5 46.6 41.5 46.5

-564.6 -561.9 -552.5 -553.4 -545.9

-415.1 -408.1 -412.4 -408.0 -402.5

-123.2 -122.7 -115.3 -117.0 -114.7

-12.8 -16.5 -14.1 -4.6 -20.2

-13.5 -14.6 -10.7 -23.8 -8.4

-296.7 -280.3 -283.9 -285.1 -292.4

-19.0 -19.7 -19.3 -19.2 -22.9

-74.4 -64.1 -63.2 -57.2 -76.7

-70.9 -61.9 -66.8 -56.8 -64.6

-43.2 -38.8 -31.3 -25.4 -34.5

-34.2 -37.0 -41.7 -51.1 -36.2

-27.5 -29.7 -36.2 -44.8 -26.8

-27.5 -29.1 -25.4 -30.6 -30.7

-128.7 -128.0 -127.9 -133.1 -125.0

-38.0 -35.8 -34.4 -38.6 -38.2

-20.3 -23.4 -19.0 -21.4 -19.3

-23.4 -22.5 -28.5 -25.8 -26.5

-16.4 -16.3 -16.3 -16.2 -15.9

-30.6 -30.0 -29.6 -31.1 -25.1

-990.0 -970.2 -964.2 -971.7 -963.3

11.4 -6.5 4.8 39.3 -4.7

6.7 1.4 0.3 -1.2 3.0

0.0 0.0 0.0 0.8 -0.6

3.8 0.9 1.6 -0.8 -1.5

22.0 -4.4 6.8 38.0 -3.7

3.0 0.3 -23.9 -21.6 1.5

-374.7 -407.4 -435.3 -509.1 -366.3

-755.6 -775.5 -725.9 -1,064.0 -838.6

386.7 404.2 336.2 606.5 502.9

-17.3 -54.2 -72.6 -113.2 -44.1

11.5 18.1 27.0 61.6 13.4

-0.1 -5.4 -1.5 1.3 0.6

-371.8 -412.5 -460.7 -529.4 -364.2

-10.5 -7.2 -44.4 2.9 -3.1

17.1 5.5 -24.4 -38.5 -2.0

-27.5 -22.2 7.2 5.6 -28.2

-71.6 -113.1 -62.4 -63.9 -99.8

-64.3 -89.0 -51.8 -51.5 -88.6

-7.3 -24.1 -10.6 -12.4 -11.1

-4.3 -8.1 -4.4 -1.9 -4.4

0.0 -21.9 -30.3 -330.8 0.0

-1.4 -112.4 16.2 -61.7 17.6

-98.2 -279.4 -142.5 -488.5 -119.8

Consolidated financial statements (balance sheet and related notes)

in EUR million

Balance sheet

Assets

Cash and cash balances


Derivatives

Other trading assets




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


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


Derivatives

Other trading liabilities


Deposits from banks

Deposits from customers

Debt securities issued

Other financial liabilities


Deposits from banks






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



Deferred tax



Total equity

Changes in treasury shares

Subscribed capital


Retained earnings





Deferred tax



Total equity

Dividends paid

Subscribed capital


Retained earnings





Deferred tax



Total equity

Capital increases

Subscribed capital


Retained earnings





Deferred tax



Total equity

Participation capital

Subscribed capital


Retained earnings





Deferred tax



Total equity

Changes in scope of consolidation

Subscribed capital


Retained earnings





Deferred tax



Total equity

Other changes

Subscribed capital


Retained earnings





Deferred tax



Total equity

Acquisition of non-controlling interest

Subscribed capital


Retained earnings





Deferred tax



Total equity

Total comprehensive income

Subscribed capital


Retained earnings





Deferred tax



Total equity


Subscribed capital


Retained earnings





Deferred tax



Total equity

Other comprehensive income

Subscribed capital


Retained earnings





Deferred tax



Total equity


Cash on hand

Cash balances at central banks

Other demand deposits



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






Other

Total

Positive fair value







Other







Other

Total

Negative fair value







Other







Other

Total


Equity instruments

Debt securities

General governments

Credit institutions

Other financial corporations

Non-financial corporations

Loans and advances



Equity instruments

Debt securities

General governments

Credit institutions



Loans and advances



Equity instruments

Debt securities

General governments

Credit institutions



Loans and advances



Gross carrying amount

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Collective allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Net carrying amount

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Impairments on loans and receivables to credit institutions

Closing balance

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Allocations

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Use

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Releases

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Interest income from impaired loans

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Exchange-rate and other changes (+/-)

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Amounts written off

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total

Recoveries of amounts previously written off

Specific allowances

Debt securities

Central banks

Credit institutions


Central banks

Credit institutions


Debt securities

Central banks

Credit institutions


Central banks

Credit institutions

Total



Debt securities with customers

General governments



Loans and advances to customers

General governments



Households

Total

Specific allowances


General governments




General governments



Households

Total



General governments




General governments



Households

Total

Net carrying amount


General governments




General governments



Households

Total

Impairments on loans and receivables to customers

Closing balance

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Allocations

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Use

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Releases

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Interest income from impaired loans

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Exchange-rate and other changes (+/-)

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Amounts written off

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total

Recoveries of amounts previously written off

Specific allowances


General governments




General governments



Households



General governments




General governments



Households

Total



General governments

Credit institutions



Total

0


General governments

Credit institutions



Total

0

Net carrying amount

General governments

Credit institutions



Total

0


Notional value

Fair value hedges






Other

Cash flow hedges






Other

Total

Positive fair value

Fair value hedges






Other

Cash flow hedges






Other

Total

Negative fair value

Fair value hedges






Other

Cash flow hedges






Other

Total

Other assets

Receivables from non-banking activities

Prepayments and accrued income

Inventories

Sundry assets

Other assets


Short positions

Equity instruments

Debt securities




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


Deposits from banks

Overnight deposits

Term deposits

Repurchase agreements

Deposits from banks


Overnight deposits

Savings deposits

General governments



Households

Non-savings deposits

General governments



Households

Term deposits

Deposits with agreed maturity

Savings deposits

General governments



Households

Non-savings deposits

General governments



Households

Deposits redeemable at notice

General governments



Households

Repurchase agreements

General governments



Households


General governments



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


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Marked to model based on observable market data (Level 2)

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Marked to model based on non-observable inputs (Level 3)

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Total

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Movement in Level 3 financial instruments, measured at fair value

Closing balance

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Gain/loss in profit or loss

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Gain/loss in other comprehensive income

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Purchases

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Sales/redemption

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Additions to group

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Disposals

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Transfer into Level 3

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Transfer out of Level 3

Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities


Assets


Derivatives





Total assets

Liabilities


Derivatives







Total liabilities

Fair values of financial instruments not measured at fair value

Carrying amount

Assets





Liabilities


Deposits from banks




Financial guarantees and commitments

Financial guarantees

Irrevocable commitments

Fair value

Assets





Liabilities


Deposits from banks




Financial guarantees and commitments

Financial guarantees

Irrevocable commitments

Valuation parameters for Level 3 financial instruments

Positive fair value changes when applying alternative valuation parameters

Derivatives

Debt securities

Equity instruments

Total

Negative fair value changes when applying alternative valuation parameters

Derivatives

Debt securities

Equity instruments

Total

Headcount

Domestic

Erste Group, EB Oesterreich and subsidiaries

Haftungsverbund savings banks

Abroad

Česká spořitelna Group

Banca Comercială Română Group

Slovenská sporiteľňa Group

Erste Bank Hungary Group

Erste Bank Croatia Group

Erste Bank Serbia

Erste Bank Ukraine

Savings banks subsidiaries

Other subsidiaries and foreign branch offices

Total

Own funds pursuant to Basel 3, Phased-in

Capital structure pursuant to EU regulation 575/2013 (CRR)

Common equity tier 1 capital (CET1)

Capital instruments eligible as CET1 capital

(-) Own CET1 instruments

Retained earnings

Accumulated other comprehensive income

Minority interest given recognition in CET1 capital

Transitional adjustments due to additional minority interests

Prudential filter: cash flow hedge reserve

Prudential filter: cumulative gains and losses due to changes in own credit risk on fair valued liabilities

Prudential filter: fair value gains and losses arising from the institution's own credit risk related to derivative liabilities

(-) Value adjustments due to the requirements for prudent valuation

(-) Regulatory adjustments relating to unrealised gains and losses

(-) Goodwill

(-) Other intangible assets

(-) Deferred tax assets dependent upon future profitability and not temporary differences net of associated tax liabilities

(-) IRB shortfall of credit risk adjustments to expected losses

Other transitional adjustments CET1

(-) Excess of deduction from AT1 items over AT1 capital


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



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)


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




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



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


CET1 capital ratio

Tier 1 capital ratio

Total capital ratio

Calculation base/total risk

Risk structure pursuant to EU regulation 575/2013 (CRR)


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)


Risk-weighted assets (credit risk)

Standardised approach

IRB approach

Settlement risk

Trading book, foreign FX risk and commodity risk

Operational risk

Exposure for CVA

Other exposure amounts (including Basel 1 floor)

Q1 13 Q2 13 Q3 13 Q4 13 Q1 14

8,453.4 10,578.5 11,852.3 9,300.7 10,372.7

15,437.8 15,258.3 14,218.6 12,283.0 13,610.4

8,926.2 7,506.9 6,929.6 6,342.2 6,482.4

6,511.6 7,751.4 7,289.0 5,940.8 7,128.0

656.8 641.7 575.1 529.0 511.8

21,269.5 20,491.8 20,569.4 20,677.6 20,956.4

19,025.3 18,572.2 18,190.5 17,779.0 17,191.4

10,896.5 9,150.2 7,756.6 8,376.7 9,962.1

122,702.9 121,998.6 121,655.6 119,944.5 119,805.4

2,503.2 1,849.7 1,788.1 1,943.6 2,212.2

0.0 0.0 0.0 0.0 0.0

2,409.7 2,364.4 2,401.7 2,319.5 2,329.9

1,011.1 941.6 940.6 950.6 1,034.7

2,858.2 2,806.9 2,766.0 2,440.8 2,407.9

211.1 219.8 217.4 207.6 226.5

133.1 92.7 97.9 100.4 119.0

679.5 811.6 852.3 719.0 672.0

618.0 94.9 105.8 74.8 82.0

4,345.0 4,557.9 4,096.0 2,470.9 2,408.6

213,211.1 210,430.7 208,083.9 200,117.8 203,902.8

8,844.6 7,532.7 7,154.1 6,474.7 7,042.3

8,476.2 7,043.5 6,705.8 6,086.9 6,340.6

368.4 489.2 448.3 387.8 701.7

2,553.1 2,418.3 2,376.6 2,339.2 2,275.3

0.0 0.0 0.0 0.0 0.0

591.8 527.0 498.2 460.0 448.9

1,961.3 1,891.3 1,878.4 1,879.2 1,826.4

0.0 0.0 0.0 0.0 0.0

176,637.5 176,007.5 175,397.4 170,785.6 172,918.4

21,359.4 22,003.6 23,163.3 17,299.5 24,420.7

122,465.2 121,942.7 121,511.6 121,955.1 118,996.1

32,509.5 31,761.9 30,425.0 31,244.7 29,216.5

303.4 299.3 297.5 286.3 285.1

839.4 618.7 614.7 644.3 681.2

1,428.6 905.5 870.4 733.7 909.6

1,494.1 1,466.1 1,474.5 1,447.6 1,491.5

72.9 84.4 89.3 84.5 82.7

292.4 208.2 200.2 169.4 181.8

342.7 0.0 0.0 0.0 0.0

4,267.7 4,951.1 4,612.9 2,653.7 3,250.9

16,438.2 16,238.3 15,293.9 14,785.0 15,069.1

3,535.7 3,465.3 3,500.5 3,466.0 3,542.5

12,902.6 12,772.9 11,793.3 11,319.0 11,526.6

213,211.1 210,430.7 208,083.9 200,117.8 203,902.8

2,547 2,546 860 860 860

6,472 6,472 7,039 7,037 7,037

4,556 4,408 4,532 4,256 4,380

34 -24 -31 -33 -10

229 239 267 259 369

-673 -619 -625 -785 -802

-268 -268 -268 -277 -277

6 27 24 2 -30

12,901 12,781 11,800 11,319 11,526

3,535 3,453 3,491 3,466 3,543

16,437 16,234 15,290 14,785 15,069

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-16 15 16 100 35

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-16 15 16 100 35

0 0 0 0 0

-16 15 16 100 35

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 -299 -299 -299 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 -299 -299 -299 0

-3 -33 -41 -44 -5

-3 -332 -340 -343 -5

0 0 0 0 0

0 0 70 70 0

0 0 567 571 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 638 642 0

0 0 0 0 0

0 0 638 642 0

0 0 0 0 0

0 0 -1,757 -1,757 0

0 0 0 -7 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 -1,757 -1,764 0

0 0 0 0 0

0 0 -1,757 -1,764 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 -4 -11 -2 -16

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 -4 -11 -2 -16

0 0 0 1 40

0 -4 -11 0 24

0 0 0 0 0

0 -1 -1 0 0

0 0 0 0 0

0 1 1 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

176 301 430 61 103

-7 -65 -72 -73 23

13 11 40 38 110

-119 -64 -70 -231 -17

0 0 0 -9 0

9 31 28 5 -32

72 214 357 -208 187

47 3 49 17 42

119 217 406 -191 229

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

176 301 430 61 103

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

176 301 430 61 103

67 93 132 135 37

244 394 562 196 140

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-7 -65 -72 -73 23

13 11 40 38 110

-119 -64 -70 -231 -17

0 0 0 -9 0

9 31 28 5 -32

-104 -87 -74 -269 83

-20 -90 -83 -118 6

-124 -177 -157 -387 89

2,033 2,106 2,067 2,327 2,007

5,413 7,520 8,488 6,343 7,612

1,008 953 1,297 630 754

8,453 10,578 11,852 9,301 10,373

182,478 192,930

151,475 157,835

734 1,213

29,601 33,104

331 344

252 347

84 86

38,241 39,596

21,175 21,455

1,860 2,901

14,354 14,355

496 505

44 36

313 343

220,719 232,526

8,149 6,711 6,159 5,269 5,342

7,063 5,687 5,235 4,463 4,644

23 23 23 50 65

1,046 987 893 746 603

5 4 1 0 0

9 10 4 2 30

3 2 2 8 0

778 796 771 1,073 1,141

605 552 546 720 705

42 38 42 41 69

110 129 117 254 302

8 6 9 9 9

11 5 6 4 3

1 66 51 45 53

8,926 7,507 6,930 6,342 6,482

7,701 6,104 5,793 5,223 5,408

7,028 5,545 5,136 4,546 4,751

24 9 3 13 32

629 534 643 653 592

8 7 6 6 8

12 9 5 4 24

0 1 1 1 0

775 939 913 864 932

506 533 589 608 677

48 37 41 40 51

176 207 127 141 126

4 4 7 8 9

11 5 6 5 2

30 152 143 63 67

8,476 7,043 6,706 6,087 6,341

307 284 278 273 249

6,204 7,467 7,011 5,668 6,879

4,974 4,546 4,240 3,397 3,814

641 2,551 2,381 1,960 2,679

18 21 14 21 159

572 349 375 289 227

0 0

6,512 7,751 7,289 5,941 7,128

241 242 254 207 207

417 400 321 322 305

17 63 63 63 58

177 234 118 125 166

15 40 0 7 79

208 63 140 127 2

0 0

657 642 575 529 512

1,304 1,312 1,257 1,236 1,252

19,966 19,181 19,312 19,442 19,704

10,200 10,561 10,939 10,439 11,484

3,438 3,663 2,413 3,434 2,856

333 359 297 1,285 1,703

5,995 4,599 5,663 4,284 3,661

0 0 0 0 0

21,270 20,492 20,569 20,678 20,956

494 472 469 526 491

10 10 10 76 75

484 462 459 450 415

10,463 8,738 7,347 7,906 9,526

65 74 109 1,278 1,952

10,397 8,663 7,238 6,627 7,574

10,957 9,210 7,816 8,431 10,017

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-55 -54 -54 -54 -45

0 0 0 0 0

-55 -54 -54 -54 -45

-55 -54 -54 -54 -45

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-5 -6 -6 -1 -10

0 0 0 0 0

-5 -6 -6 -1 -9

-6 -6 -6 -1 -10

494 472 469 526 491

10 10 10 76 75

484 462 459 450 415

10,402 8,678 7,288 7,851 9,471

65 74 109 1,278 1,952

10,337 8,604 7,179 6,573 7,519

10,896 9,150 7,757 8,377 9,962

-55 -54 -53 -54 -45

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-55 -54 -53 -54 -45

0 0 0 0 0

-55 -54 -53 -54 -45

-6 -5 -6 -1 -10

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-6 -5 -6 -1 -10

0 0 0 0 0

-6 -6 -6 -1 -10

-61 -60 -59 -55 -54

0 0 -1 -2 -1

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 -1 -2 -1

0 0 0 0 0

0 0 -1 -2 -1

0 0 0 -16 -11

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 -16 -11

0 0 0 0 0

0 0 0 -16 -11

0 0 -1 -18 -12

6 7 6 7 7

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

6 7 6 7 7

0 0 0 0 0

6 7 6 7 7

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

6 7 6 7 7

0 0 1 2 2

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 1 2 2

0 0 0 0 0

0 0 1 2 2

0 0 0 20 3

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 20 3

0 0 0 0 0

0 0 0 20 3

0 0 1 22 5

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 2 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 2 0 0

0 0 0 0 0

0 0 2 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 2 0 0

0 -2 -3 -13 -2

0 0 0 -3 0

0 0 0 0 0

0 0 0 -3 0

0 -2 -3 -10 -2

0 0 0 0 0

0 -2 -3 -10 -2

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 -2 -3 -13 -2

0 1 1 6 0

0 0 0 2 0

0 0 0 0 0

0 0 0 2 0

0 1 1 4 0

0 0 0 0 0

0 1 1 4 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 1 1 6 0

740 573 316 306 251

53 21 37 36 76

261 266 0 0 27

425 286 279 270 148

129,595 129,183 129,176 127,392 127,215

6,156 6,655 6,737 6,864 7,089

3,668 4,146 3,784 4,164 6,605

65,293 63,028 62,613 59,571 54,743

54,478 55,356 56,042 56,793 58,778

130,335 129,756 129,492 127,698 127,465

0 -2 -10 -9 -12

0 0 0 0 0

0 0 0 0 0

0 -2 -10 -9 -12

-6,916 -7,015 -7,090 -7,093 -6,953

-14 -10 -6 -6 -5

-108 -126 -149 -187 -183

-4,289 -4,366 -4,379 -4,551 -4,464

-2,505 -2,513 -2,556 -2,348 -2,301

-6,916 -7,017 -7,100 -7,102 -6,966

0 -8 -6 -2 -2

0 0 0 0 -1

0 0 0 0 0

0 -8 -6 -2 -1

-716 -733 -730 -649 -692

-15 -12 -14 -11 -11

-11 -10 -19 -17 -27

-408 -425 -417 -365 -382

-282 -286 -280 -257 -273

-716 -741 -737 -651 -694

739 563 300 294 236

53 21 37 36 74

261 266 0 0 27

425 277 263 258 135

121,964 121,435 121,356 119,650 119,569

6,127 6,633 6,717 6,848 7,073

3,549 4,010 3,616 3,960 6,395

56,977 56,915 56,496 54,655 49,896

55,311 53,878 54,527 54,188 56,205

122,703 121,999 121,656 119,945 119,805

-6,916 -7,016 -7,100 -7,102 -6,966

0 -2 -10 -9 -12

0 0 0 0 0

0 0 0 0 0

0 -2 -10 -9 -12

-6,916 -7,014 -7,090 -7,092 -6,953

-15 -10 -6 -6 -5

-108 -126 -150 -183 -183

-4,289 -4,366 -4,379 -4,594 -4,464

-2,504 -2,512 -2,556 -2,310 -2,301

-715 -741 -737 -651 -694

0 -6 -2 -2 -2

0 0 0 0 -1

0 0 0 0 0

0 -6 -2 -2 -1

-715 -735 -735 -649 -692

-14 -12 -14 -11 -11

-11 -10 -19 -16 -27

-408 -426 -422 -363 -382

-282 -287 -280 -258 -273

-7,631 -7,757 -7,837 -7,753 -7,660

-644 -1,317 -1,954 -2,975 -583

0 0 -7 -7 -3

0 0 0 0 0

0 0 0 0 0

0 0 -7 -7 -3

-644 -1,317 -1,947 -2,968 -580

-11 -8 -5 -7 -3

-40 -108 -131 -88 -22

-383 -768 -1,181 -2,390 -322

-210 -434 -630 -483 -232

-112 -214 -302 -326 -243

0 -4 0 0 -2

0 0 0 0 -1

0 0 0 0 -1

0 -4 0 0 0

-112 -210 -301 -326 -241

-4 -2 -4 -2 -2

-7 -6 -19 -5 -8

-48 -144 -227 -266 -107

-53 -58 -51 -52 -124

-756 -1,532 -2,256 -3,301 -827

254 398 647 1,153 378

0 1 0 0 0

0 0 0 0 0

0 0 0 0 0

0 1 0 0 0

254 397 647 1,153 378

0 0 0 1 1

0 1 9 13 34

202 320 508 879 215

52 76 130 261 128

0 0 0 0 2

0 0 0 0 2

0 0 0 0 0

0 0 0 0 1

0 0 0 0 1

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

254 398 647 1,153 380

301 633 876 1,355 285

3 0 0 0 0

0 0 0 0 0

0 0 0 0 0

3 0 0 0 0

298 633 876 1,355 285

0 2 3 4 3

5 6 -3 3 15

227 493 664 1,076 119

67 133 212 271 148

86 158 250 356 213

2 0 0 0 0

0 0 0 0 0

0 0 0 0 0

2 0 0 0 0

84 158 250 356 213

0 0 0 3 1

0 0 0 9 2

84 158 250 278 93

0 0 0 66 118

387 791 1,126 1,711 498

49 123 192 270 55

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

49 123 192 270 55

0 0 0 0 0

0 0 0 1 1

32 91 140 215 38

17 32 51 54 16

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

49 123 192 270 55

6 26 18 -26 2

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

6 26 18 -26 2

0 0 0 0 0

-46 0 0 -85 -28

162 26 18 154 81

-109 0 0 -94 -51

6 10 10 14 -16

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

6 10 10 14 -17

0 0 0 -3 2

0 0 4 -16 -4

6 10 6 75 -5

0 0 0 -43 -9

12 35 28 -12 -14

-17 -28 -53 -105 -42

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-17 -28 -53 -105 42

0 0 0 0 0

0 0 -4 -19 -2

-15 -23 -31 -65 -25

-3 -5 -18 -21 -15

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-17 -28 -53 -105 -42

12 71 143 252 13

1 1 0 0 0

0 0 0 0 0

0 1 0 0 0

1 0 0 0 0

11 71 143 252 13

0 0 0 0 0

0 0 1 2 0

8 65 121 205 9

3 5 21 44 4

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

12 71 143 252 13

16,361 15,794 15,568 15,195 14,903

1,128 1,287 1,682 1,529 1,263

353 301 140 229 411

1,180 1,194 803 828 616

19,028 18,575 18,193 17,781 17,193

0 0 0 0 0

0 0 0 0 0

-3 -3 -3 -2 0

0 0 0 0 -1

0 0 0 0 0

0 0 0 0 -1

-3 -3 -3 -2 -2

0 0 0 0 0

0 0 0 0 0

16,364 15,794 15,566 15,194 14,902

1,128 1,287 1,682 1,529 1,262

353 300 140 229 411

1,180 1,191 803 828 616

19,025 18,572 18,191 17,779 17,191

33,814 32,985

30,693 29,622

0 336

3,051 2,799

0 0

0 13

70 215

5,328 5,423

4,866 4,521

0 1

443 877

0 0

0 25

20 0

39,142 38,408

2,401 1,782 1,716 1,870 2,094

2,388 1,777 1,714 1,866 2,025

0 0 0 0 57

9 2 0 2 0

0 1 0 0 0

0 0 0 0 0

4 2 2 2 12

102 67 72 74 118

99 66 69 73 115

0 0 0 0 0

2 2 3 1 4

0 0 0 0 0

0 0 0 0 0

0 0 1 1 0

0 0 0 1,944 2,212

740 577 568 605 664

726 561 551 594 652

0 0 0 0 4

12 14 16 10 7

0 1 0 0 0

0 0 0 0 1

2 1 1 1 0

98 42 47 40 18

29 42 37 32 7

0 0 0 0 0

69 0 9 7 10

0 0 0 0 0

0 0 0 0 0

0 0 1 1 0

0 0 0 644 681

406 362 393 296 328

479 485 466 462 450

3,460 3,711 3,236 1,713 1,630

4,345 4,558 4,096 2,471 2,409

332 440 400 335 645

150 178 177 201 267

182 262 223 134 378

36 49 49 52 57

368 489 448 388 702

280 272 268 275 285

280 272 268 275 285

0 0 0 0 0

0 0 0 0 0

1,681 1,619 1,611 1,604 1,541

1,278 1,225 1,219 1,206 1,160

0 0 0 0 0

0 71 71 71 73

330 323 320 327 308

0 0 0 0 0

73 0 0 0 0

1,961 1,891 1,878 1,879 1,826

6,237 6,568 8,895 4,264 3,409

12,490 12,555 11,706 10,311 16,920

2,632 2,881 2,563 2,724 4,092

21,359 22,004 23,163 17,299 24,421

68,180 67,169 66,423 65,090 61,267

26,142 25,159 25,159 21,192 18,099

0 0 0 0 0

12 259 227 194 240

2,606 1,423 1,558 1,420 1,513

23,524 23,477 22,993 19,578 16,347

42,037 42,010 41,646 43,897 43,168

3,234 3,428 2,935 3,158 3,008

1,595 2,252 2,305 2,464 4,635

15,380 13,024 11,943 14,427 12,856

21,828 23,306 24,463 23,849 22,668

52,904 53,410 53,560 55,990 57,121

51,456 49,637 49,304 51,856 53,353

29,427 27,712 27,958 33,283 33,558

0 0 0 0 0

432 177 184 861 897

820 486 483 1,266 1,054

28,175 27,049 27,291 31,155 31,606

22,029 21,925 21,346 18,574 19,795

1,289 1,598 2,056 1,860 1,401

853 1,872 1,971 1,247 2,019

7,966 7,730 8,585 5,725 6,986

11,921 10,726 8,733 9,741 9,389

1,448 3,773 4,257 4,134 3,768

50 58 109 56 0

58 41 88 105 4

134 130 474 493 348

1,206 3,543 3,586 3,480 3,415

1,382 1,363 1,528 876 608

1,311 1,233 1,366 706 598

0 0 0 0 0

71 130 162 169 11

0 0 0 0 0

122,465 121,943 121,512 121,955 118,996

5,884 6,317 6,466 5,780 5,007

2,951 4,601 4,776 4,871 7,796

26,976 22,925 23,204 23,501 22,767

86,654 88,100 87,065 87,803 83,426

4,405 4,585 4,826 4,884 5,038

3,198 3,009 3,253 3,304 3,514

1,191 1,197 1,201 1,218 1,161

17 380 372 363 364

28,104 27,176 25,600 26,361 24,178

15,110 14,914 13,700 14,283 12,533

128 543 814 811 435

2,432 1,909 2,015 1,829 1,521

8,148 7,724 6,976 7,055 7,296

2,091 2,086 2,095 2,116 2,119

196 0 0 267 274

32,509 31,762 30,425 31,245 29,217

1,094 1,083 1,076 1,032 1,031

140 148 158 172 183

212 221 205 218 236

104 120 104 119 129

108 101 101 99 107

49 15 36 25 41

0 0 0 0 0

49 15 36 25 41

1,494 1,466 1,474 1,448 1,491

0 0 0 0 0

446 371 343 304 307

3,822 4,580 4,270 2,350 2,944

4,268 4,951 4,613 2,654 3,251

1,981 4,124

15 13

1,966 4,111

233 213

14,601 14,374

68 85

16,883 18,797

348 659

12 18

336 641

0 0

0 0

0 0

0 0

15 17

362 676

10,205 9,403

6,231 6,386

3,975 3,017

240 246

5,632 6,105

1,875 2,123

17,952 17,878

6,127 6,383

6,075 6,323

52 60

2,339 2,275

460 449

1,879 1,826

0 0

629 664

9,096 9,322

0 0

96 83

96 83

0 0

56 52

248 274

0 4

401 413

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

12,283 13,610

6,342 6,482

5,941 7,128

529 512

20,481 20,753

1,944 2,212

35,237 37,087

6,475 7,042

6,087 6,341

388 702

2,339 2,275

460 449

1,879 1,826

0 0

644 681

9,458 9,999

170 134 115 96 83

170 134 115 96 83

0 0 0 0 0

33 34 36 56 52

221 183 188 248 274

0 0 0 0 4

424 352 340 400 412

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

33 -4 -23 -59 -14

31 -5 -24 -61 -14

2 1 1 2 0

0 -1 -1 -2 -3

1 4 1 -2 1

0 0 0 0 0

34 -1 -23 -63 -16

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

2 1 1 0 3

0 0 0 0 0

2 1 1 0 3

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 11 11 0 0

0 0 0 0 0

0 11 11 0 0

13 3 5 0 0

78 1 2 4 4

0 0 0 0 0

91 14 18 4 4

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

-11 -21 -21 -12 0

0 0 0 -3 0

-11 -21 -21 -9 0

-7 0 0 -2 -1

-41 -42 -25 -39 12

0 0 0 0 0

-59 -63 -46 -52 10

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 18 19 19 0

0 0 0 0 0

0 18 19 19 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 21 0

0 0 0 21 0

0 0 0 0 0

4 10 10 37 0

7 28 7 68 5

0 0 0 0 4

11 38 17 126 9

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 -1 0

0 0 0 0 0

0 0 0 -1 0

0 0 0 0 0

-15 -15 -6 0 0

0 0 0 0 0

-15 -15 -6 -1 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 9,300 10,373

0 0 0 17,779 17,191

0 0 0 8,377 9,962

0 0 0 119,945 119,805

0 0 0 171,246 172,918

0 0 0 17,299 24,421

0 0 0 121,955 118,996

0 0 0 31,245 29,217

0 0 0 286 285

0 0 0 0 0

0 0 0 n/a n/a

0 0 0 n/a n/a

0 0 0 9,300 10,373

0 0 0 18,919 18,568

0 0 0 8,209 9,989

0 0 0 118,177 120,124

0 0 0 170,563 171,983

0 0 0 16,987 24,229

0 0 0 120,181 118,063

0 0 0 33,109 29,406

0 0 0 286 285

0 0 0 0 0

0 0 0 -223 -105

0 0 0 466 138

0 0 18 42 33

0 0 7 13 12

0 0 5 2 2

0 0 30 57 47

0 0 0 0 0

0 0 -16 -31 -28

0 0 -9 -17 -16

0 0 -10 -5 -5

0 0 -36 -53 -49

16,024 15,842 15,680 15,659 15,791

8,609 8,492 8,401 8,388 8,393

7,415 7,350 7,279 7,271 7,398

32,777 30,537 30,155 30,011 30,195

11,048 10,621 10,409 10,432 10,425

7,732 7,313 7,083 7,020 7,082

4,196 4,207 4,215 4,206 4,216

2,743 2,750 2,822 2,778 2,799

2,553 2,600 2,550 2,584 2,634

931 931 930 922 964

1,496 0 0 0 0

1,118 1,124 1,161 1,100 1,144

960 991 985 969 931

48,801 46,379 45,835 45,670 45,986

0 0 0 0 7,247

0 0 0 0 -85

0 0 0 0 4,802

0 0 0 0 -650

0 0 0 0 2,555

0 0 0 0 571

0 0 0 0 -9

0 0 0 0 -54

0 0 0 0 -15

0 0 0 0 -145

0 0 0 0 -576

0 0 0 0 -1,156

0 0 0 0 -1,240

0 0 0 0 -202

0 0 0 0 -316

0 0 0 0 2,371

0 0 0 0 -1,756

11,809 11,927 10,750 11,199 11,342

0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 287

0 0 0 0 0

0 0 0 0 0

0 0 0 0 -2,043

0 0 0 0 1,756

375 375 375 361 0

12,184 12,302 11,125 11,560 11,342

0

0 0 0 0 3,401

0 0 0 0 -7

0 0 0 0 740

0 0 0 0 0

0 0 0 0 390

0 0 0 0 134

0 0 0 0 -126

0 0 0 0 0

0 0 0 0 0

4,218 4,186 4,286 4,206 4,531

299 278 243 228 0

16,701 16,766 15,654 15,994 15,874

8,405 8,072 7,920 7,832 8,175

11.2% 11.8% 10.9% 11.4% 11.1%

11.6% 12.2% 11.2% 11.8% 11.1%

15.9% 16.6% 15.8% 16.3% 15.5%

7,247

-85

4,802

-650

2,555

0

-9

-54

-15

-145

-144

-1,156

-1,240

-202

-316

0

0

10,588

0

0

0

0

0

0

0

0

0

0

10,588

0

3,329

-7

454

0

390

134

0

0

0

4,300

0

14,888

8,175

10.4%

10.4%

14.6%

105,066 100,899 98,996 97,901 102,191

90,072 87,318 86,634 84,857 86,334

21,675 20,245 20,159 19,590 17,982

68,397 67,073 66,475 65,267 68,351

0 0 0 0 0

3,745 3,473 3,036 2,852 3,339

11,249 10,108 9,326 10,192 10,978

0 0 0 0 1,541

0 0 0 0 0

8,405 8,072 7,920 7,832 8,175

7,206 6,985 6,931 6,789 6,907

1,734 1,620 1,613 1,567 1,439

5,472 5,366 5,318 5,221 5,468

0 0 0 0 0

300 278 243 228 267

900 809 746 815 878

0 0 0 0 123

0 0 0 0 0

Business line segmentation

in EUR million

Total group

Net interest income


Dividend income










Taxes on income






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


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


SME

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


ALM & LCC

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Savings Banks

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Total corporate

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Commercial Real Estate

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Other Corporate

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Group Markets

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Group Corporate Center

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Intragroup elimination

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Q1 13 Q2 13 Q3 13 Q4 13 Q1 14

1,196.7 1,143.3 1,175.9 1,169.2 1,123.9

447.4 446.8 449.5 462.8 452.1

26.8 21.2 20.2 21.6 14.6

30.7 72.8 80.7 34.6 50.4

2.8 9.4 7.5 2.1 3.1

43.7 41.5 46.6 41.6 46.5

-989.9 -970.3 -964.2 -971.7 -963.3

22.0 -4.3 6.7 38.1 -3.7

-371.8 -412.6 -460.7 -529.4 -364.2

-98.2 -279.4 -142.5 -488.5 -119.8

-71.6 -113.1 -62.4 -64.0 -99.8

310.1 68.4 219.6 -219.6 239.5

-66.4 91.4 -56.0 -147.5 -99.7

243.7 159.8 163.6 -367.1 139.8

0.0 0.0 0.0 0.0 0.0

243.7 159.8 163.6 -367.1 139.8

67.0 34.2 35.2 3.2 36.5

176.6 125.5 128.4 -370.3 103.3

1,748.0 1,734.9 1,780.4 1,731.8 1,690.6

-989.9 -970.3 -964.2 -971.7 -963.3

758.1 764.6 816.2 760.1 727.3

90,072.7 87,317.2 86,632.6 84,858.0 87,874.3

16,512.0 16,526.5 15,814.5 15,164.2 14,977.2

56.6% 55.9% 54.2% 56.1% 57.0%

6.0% 3.9% 4.1% -9.6% 3.8%

213,211.1 210,430.7 208,083.9 200,117.8 203,902.8

196,772.8 194,192.5 192,790.1 185,332.8 188,833.7

555.5 554.7 559.2 547.4 537.7

259.1 264.3 262.0 268.1 264.8

1.2 -0.8 0.5 1.2 0.5

13.1 15.7 17.2 16.2 13.2

1.9 5.1 3.3 1.0 2.2

4.0 3.5 3.9 3.8 6.0

-464.8 -468.8 -460.3 -445.3 -433.6

0.0 -0.2 0.2 0.1 0.0

-131.5 -111.2 -105.3 -118.0 -118.7

-12.0 -40.8 -17.9 -22.4 -19.4

-12.7 -24.0 -14.9 -16.1 -16.2

226.4 221.4 262.7 252.1 252.7

-50.5 -48.6 -55.8 -45.6 -52.7

175.9 172.9 206.9 206.5 199.9

0.0 0.0 0.0 0.0 0.0

175.9 172.9 206.9 206.5 199.9

6.6 5.3 7.2 4.0 7.2

169.3 167.5 199.8 202.4 192.7

834.7 842.4 846.1 837.8 824.3

-464.8 -468.8 -460.3 -445.3 -433.6

369.9 373.6 385.8 392.5 390.7

18,633.3 18,549.3 18,452.2 17,764.7 17,738.3

2,092.8 2,116.8 1,917.7 2,045.1 2,072.9

55.7% 55.6% 54.4% 53.2% 52.6%

34.1% 32.8% 42.8% 40.1% 39.1%

53,174.9 53,192.7 53,609.7 52,882.0 50,735.5

70,706.4 70,564.1 70,488.6 69,244.6 67,664.7

164.4 170.7 170.7 165.2 144.4

52.6 59.1 58.3 61.2 47.3

2.3 -0.3 0.0 0.8 1.8

8.3 6.5 7.4 6.9 5.7

0.0 0.0 0.0 0.0 0.0

0.5 1.1 1.0 1.3 7.6

-73.7 -72.1 -73.0 -69.2 -68.5

4.5 1.3 0.0 0.0 3.2

-96.1 -138.6 -99.7 -120.6 -59.3

-6.3 -13.8 -5.1 -14.7 -2.0

-2.2 -7.3 -3.1 -4.1 -2.6

56.5 13.8 59.6 30.8 80.1

-9.9 -12.1 -10.1 -16.0 -17.6

46.6 1.8 49.4 14.8 62.5

0.0 0.0 0.0 0.0 0.0

46.6 1.8 49.4 14.8 62.5

-1.5 3.2 0.6 0.5 0.8

48.1 -1.4 48.9 14.3 61.8

228.1 237.1 237.3 235.4 206.7

-73.7 -72.1 -73.0 -69.2 -68.5

154.4 165.0 164.4 166.2 138.2

18,558.6 18,153.3 17,863.4 17,722.6 14,657.3

1,733.0 1,694.6 1,586.4 1,562.6 1,343.7

32.3% 30.4% 30.7% 29.4% 33.1%

10.9% 0.4% 12.4% 3.7% 18.9%

24,914.2 25,119.9 24,891.1 24,192.4 22,683.5

14,080.6 13,862.6 13,766.4 14,266.9 12,458.9

63.8 38.8 70.2 47.7 40.5

-24.7 -24.0 -25.2 -28.6 -19.0

4.2 7.6 3.2 2.6 2.1

-53.6 -16.8 13.4 -35.3 -3.8

0.0 2.4 0.5 1.6 0.5

10.3 10.0 9.1 9.4 9.3

-27.4 -24.5 -20.5 -48.2 -31.3

6.5 -1.0 1.4 30.4 0.7

2.3 4.0 -12.3 1.0 2.1

-22.9 -38.2 -31.3 -30.0 -60.9

-16.2 -40.7 -3.9 -3.6 -51.0

-41.6 -41.6 8.6 -49.4 -59.9

7.5 129.7 -7.4 6.9 -2.3

-34.1 88.2 1.2 -42.4 -62.1

0.0 0.0 0.0 0.0 0.0

-34.1 88.2 1.2 -42.4 -62.1

-1.5 0.2 -1.6 -5.0 0.7

-32.6 88.0 2.9 -37.5 -62.8

0.0 18.0 71.3 -2.6 29.5

-27.4 -24.5 -20.5 -48.2 -31.3

-27.5 -6.4 50.9 -50.8 -1.8

3,615.3 3,546.8 2,925.2 1,934.3 4,864.3

2,325.9 1,888.6 2,183.4 1,636.7 1,747.4

>100% >100% 28.7% >100% >100%

-5.9% 18.7% 0.2% -10.3% -14.4%

58,872.2 56,351.3 53,793.8 52,750.8 52,341.4

65,122.1 62,665.7 58,936.2 58,546.7 56,537.7

197.7 196.8 213.2 207.0 214.3

101.7 93.6 94.0 107.2 102.9

12.5 9.1 10.0 11.9 8.8

5.3 6.2 2.9 7.5 -0.6

0.1 0.0 0.0 -0.1 0.0

6.3 6.2 7.7 7.6 10.7

-227.5 -232.3 -228.7 -238.1 -231.1

8.4 -4.8 7.2 13.4 -5.0

-13.2 -49.9 -57.6 -108.6 -48.1

-13.6 -0.5 -8.4 -5.5 -14.0

-2.2 -2.3 -2.4 -2.0 -3.4

77.8 24.5 40.5 2.3 38.0

-15.7 -7.4 -14.7 -16.2 -16.8

62.1 17.1 25.8 -13.9 21.2

0.0 0.0 0.0 0.0 0.0

62.1 17.1 25.8 -13.9 21.2

46.2 16.7 22.7 -16.9 19.6

15.9 0.4 3.1 3.0 1.6

323.6 311.9 327.9 341.1 336.1

-227.5 -232.3 -228.7 -238.1 -231.1

96.1 79.7 99.2 103.0 105.0

22,544.4 22,501.0 22,324.1 22,464.0 22,440.9

2,198.2 2,071.8 2,030.8 2,014.1 2,007.2

70.3% 74.5% 69.7% 69.8% 68.8%

11.5% 3.3% 5.0% -2.7% 4.3%

56,115.4 56,163.4 55,930.5 56,204.6 56,074.4

52,285.3 52,421.1 52,155.6 52,457.8 52,105.8

42.8 48.6 46.9 47.0 53.9

22.1 17.3 15.1 31.5 22.4

0.0 0.0 0.0 0.0 0.0

2.0 3.5 1.3 1.6 2.3

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

-15.5 -16.4 -17.3 -18.5 -19.4

0.0 0.0 -3.1 -3.1 0.0

-32.5 -71.1 -55.1 -70.6 -88.1

-7.2 -4.4 -5.7 -10.9 -2.2

-0.4 -1.1 -0.5 -0.7 -0.9

11.7 -22.5 -18.0 -23.1 -31.2

1.8 0.2 5.9 1.3 4.0

13.5 -22.3 -12.1 -21.8 -27.2

0.0 0.0 0.0 0.0 0.0

13.5 -22.3 -12.1 -21.8 -27.2

-1.1 2.2 0.8 0.6 -1.9

14.6 -24.5 -12.9 -22.3 -25.2

66.9 69.4 63.3 80.0 78.5

-15.5 -16.4 -17.3 -18.5 -19.4

51.4 53.0 46.0 61.5 59.1

8,193.4 7,917.8 8,109.4 7,187.5 8,929.6

763.8 763.7 767.0 769.2 819.8

23.2% 23.6% 27.3% 23.1% 24.7%

7.2% -11.7% -6.3% -11.2% -13.5%

8,002.8 7,935.5 7,714.7 7,493.7 8,974.2

4,983.7 4,961.6 5,114.7 3,807.3 5,399.5

47.0 40.6 39.7 42.7 36.5

1.5 1.7 5.9 5.2 5.1

0.1 0.1 2.0 0.1 0.0

2.9 3.3 -1.2 0.9 -3.5

0.5 0.1 -0.6 -0.2 0.0

22.2 21.0 20.6 20.5 7.9

-34.4 -32.5 -31.2 -35.9 -23.6

0.1 -0.1 0.0 0.4 0.3

-102.9 -61.1 -105.3 -111.2 -60.3

-9.8 -22.0 -13.2 -5.6 -12.6

-0.1 -0.2 -0.1 -0.1 -0.1

-72.8 -48.9 -83.3 -83.1 -50.2

13.1 7.5 9.0 -5.5 -2.6

-59.7 -41.4 -74.3 -88.6 -52.9

0.0 0.0 0.0 0.0 0.0

-59.7 -41.4 -74.3 -88.6 -52.9

3.0 -4.6 -2.6 -2.7 0.4

-62.7 -36.8 -71.6 -85.9 -53.3

74.2 66.8 66.5 69.2 46.0

-34.4 -32.5 -31.2 -35.9 -23.6

39.9 34.3 35.3 33.3 22.3

11,053.6 10,629.3 10,974.1 9,495.2 9,640.5

933.4 976.6 918.1 877.7 833.8

46.3% 48.6% 47.0% 51.9% 51.4%

-25.9% -17.0% -32.1% -40.1% -25.7%

12,124.9 11,665.2 11,495.3 10,908.4 10,309.6

5,968.8 5,659.4 5,685.7 5,206.9 4,819.6

15.5 17.8 16.7 18.9 18.7

6.9 6.5 5.7 8.5 5.1

0.0 0.0 0.0 0.0 0.0

3.0 5.1 2.4 2.6 -0.2

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

-11.9 -11.9 -12.5 -14.6 -12.2

1.4 0.0 0.0 6.9 2.2

4.4 -7.8 -6.4 3.7 4.3

0.1 0.1 0.1 0.1 0.2

0.0 0.0 0.0 0.0 0.0

19.4 9.7 6.0 26.1 18.2

-4.2 -2.4 -1.4 -5.3 -4.0

15.2 7.3 4.6 20.8 14.2

0.0 0.0 0.0 0.0 0.0

15.2 7.3 4.6 20.8 14.2

0.0 0.0 0.0 0.1 0.0

15.2 7.3 4.6 20.8 14.2

25.4 29.4 24.9 30.1 23.6

-11.9 -11.9 -12.5 -14.6 -12.2

13.6 17.4 12.3 15.4 11.4

3,382.5 3,242.9 3,210.1 3,335.1 2,470.9

323.1 356.4 307.8 342.3 223.7

46.7% 40.6% 50.4% 48.7% 51.6%

19.1% 8.2% 5.9% 24.1% 25.8%

4,122.4 3,919.6 3,770.7 3,697.8 3,455.1

58.6 98.8 45.0 58.4 90.3

45.6 52.4 59.2 60.0 54.0

25.7 23.8 25.3 30.1 25.3

0.1 0.3 0.1 0.0 0.1

46.3 33.2 27.1 10.1 30.5

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

-45.5 -47.4 -42.9 -52.2 -44.6

0.0 0.1 -0.1 0.0 0.0

0.0 12.0 -0.5 0.8 0.0

-0.7 4.8 -5.4 -1.8 -0.2

-0.9 -0.7 -0.5 -0.5 -0.6

71.5 79.0 62.9 47.0 65.2

-17.4 -13.0 -14.8 -6.6 -13.3

54.1 66.0 48.1 40.3 51.9

0.0 0.0 0.0 0.0 0.0

54.1 66.0 48.1 40.3 51.9

2.8 -0.1 -0.1 -0.1 0.5

51.3 66.1 48.2 40.4 51.4

117.7 109.6 111.8 100.3 109.9

-45.5 -47.4 -42.9 -52.2 -44.6

72.2 62.2 68.9 48.0 65.4

2,073.7 1,953.0 1,709.6 1,781.7 3,061.1

494.2 481.4 423.0 442.7 409.5

38.7% 43.3% 38.4% 52.1% 40.5%

44.4% 55.0% 45.1% 36.2% 51.4%

28,301.8 28,812.1 28,343.6 24,589.5 30,881.6

19,118.1 20,197.6 20,875.3 16,117.3 24,251.6

57.2 32.7 16.0 30.2 25.3

34.2 37.8 38.0 27.5 16.7

6.1 5.4 4.3 4.9 2.2

1.9 7.6 -0.6 12.0 -0.7

0.4 1.8 4.3 -0.2 0.5

9.2 10.1 12.6 8.4 9.8

-174.6 -154.5 -171.9 -168.1 -189.6

1.2 0.3 1.1 -10.1 -5.2

-4.0 12.8 -17.2 -7.0 3.5

29.4 -121.2 -6.0 -319.8 64.1

-37.0 -36.8 -37.0 -36.8 -25.0

-38.9 -167.2 -119.3 -422.3 -73.3

8.9 37.4 33.2 -60.4 5.6

-30.0 -129.8 -86.1 -482.7 -67.7

0.0 0.0 0.0 0.0 0.0

-30.0 -129.8 -86.1 -482.7 -67.7

12.5 11.4 8.4 22.8 9.3

-42.5 -141.1 -94.5 -505.5 -77.0

109.2 95.4 74.6 82.6 53.8

-174.6 -154.5 -171.9 -168.1 -189.6

-65.5 -59.0 -97.2 -85.5 -135.8

2,018.1 823.8 1,064.4 3,172.9 4,071.4

5,647.6 6,176.6 5,680.3 5,473.8 5,519.0

>100% >100% >100% >100% >100%

-2.2% -8.4% -6.0% -35.0% -5.0%

16,627.0 16,511.3 15,168.0 13,047.5 9,185.0

13,494.0 13,001.9 12,356.2 11,265.0 6,243.1

7.1 -9.8 -16.0 3.2 -1.4

-31.7 -33.2 -29.7 -47.8 -18.4

0.2 -0.2 -0.1 0.1 -0.9

1.4 8.5 10.8 12.0 7.6

0.0 0.0 0.0 0.0 0.0

-8.8 -10.4 -8.3 -9.5 -4.8

85.4 90.1 94.0 118.5 90.6

-0.1 0.1 0.0 0.1 0.0

1.7 -1.8 -1.1 1.2 0.2

-55.3 -43.2 -49.6 -77.8 -72.9

0.0 0.0 0.0 0.0 0.0

0.0 0.1 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

-31.8 -45.1 -43.3 -41.9 -17.9

85.4 90.1 94.0 118.5 90.6

53.6 45.0 50.7 76.5 72.7

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

>100% >100% >100% >100% >100%

- - - - 0.0%

-49,044.4 -49,240.3 -46,633.5 -45,649.0 -40,737.4

-49,044.8 -49,240.3 -46,633.5 -45,638.0 -40,737.4

Geographic segmentation

in EUR million

Total group

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Austria

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


EBOe & Subsidiaries

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Savings Banks

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Other Austria

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Central and Eastern Europe

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Czech Republic

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Romania

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Slovakia

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Hungary

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Croatia

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Serbia

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Other

Net interest income


Dividend income










Taxes on income






Operating income

Operating expenses

Operating result



Cost/income ratio


Total assets (eop)


Q1 13 Q2 13 Q3 13 Q4 13 Q1 14

1,196.7 1,143.3 1,175.9 1,169.2 1,123.9

447.4 446.8 449.5 462.8 452.1

26.8 21.2 20.2 21.6 14.6

30.7 72.8 80.7 34.6 50.4

2.8 9.4 7.5 2.1 3.1

43.7 41.5 46.6 41.6 46.5

-989.9 -970.3 -964.2 -971.7 -963.3

22.0 -4.3 6.7 38.1 -3.7

-371.8 -412.6 -460.7 -529.4 -364.2

-98.2 -279.4 -142.5 -488.5 -119.8

-71.6 -113.1 -62.4 -64.0 -99.8

310.1 68.4 219.6 -219.6 239.5

-66.4 91.4 -56.0 -147.5 -99.7

243.7 159.8 163.6 -367.1 139.8

0.0 0.0 0.0 0.0 0.0

243.7 159.8 163.6 -367.1 139.8

67.0 34.2 35.2 3.2 36.5

176.6 125.5 128.4 -370.3 103.3

1,748.0 1,734.9 1,780.4 1,731.8 1,690.6

-989.9 -970.3 -964.2 -971.7 -963.3

758.1 764.6 816.2 760.1 727.3

90,072.7 87,317.2 86,632.6 84,858.0 87,874.3

16,512.0 16,526.5 15,814.5 15,164.2 14,977.2

56.6% 55.9% 54.2% 56.1% 57.0%

6.0% 3.9% 4.1% -9.6% 3.8%

213,211.1 210,430.7 208,083.9 200,117.8 203,902.8

196,772.8 194,192.5 192,790.1 185,332.8 188,833.7

435.0 432.1 459.4 460.2 458.2

231.5 219.9 212.3 245.2 236.8

20.3 11.7 15.3 16.5 12.6

33.2 26.5 7.4 1.2 0.8

0.6 4.1 1.0 -1.2 0.0

33.2 31.7 32.7 32.9 23.2

-469.5 -476.3 -457.0 -495.7 -454.8

10.4 -4.7 7.4 21.1 -3.3

-113.3 -160.7 -195.0 -277.9 -120.2

-25.8 -22.0 -23.4 -28.5 -33.0

-4.6 -4.9 -4.9 -4.6 -5.4

155.6 62.2 60.1 -26.2 120.5

-36.6 -17.0 -29.9 -36.4 -45.9

119.0 45.2 30.2 -62.6 74.6

0.0 0.0 0.0 0.0 0.0

119.0 45.2 30.2 -62.6 74.6

51.1 15.2 22.7 -18.9 23.5

67.9 30.1 7.5 -43.7 51.1

753.8 725.9 728.1 754.8 731.7

-469.5 -476.3 -457.0 -495.7 -454.8

284.3 249.6 271.1 259.1 276.9

51,720.1 50,716.6 50,957.8 48,716.9 49,769.6

5,114.3 5,048.7 4,756.1 4,663.0 4,486.3

62.3% 65.6% 62.8% 65.7% 62.2%

9.4% 3.6% 2.5% -5.3% 6.7%

138,847.0 139,467.6 137,866.1 133,169.6 139,294.5

115,105.1 116,345.9 116,612.4 110,895.2 117,929.8

134.7 135.2 144.3 145.4 145.4

85.8 83.5 79.1 83.8 90.6

7.6 2.4 3.2 3.8 3.6

7.1 0.5 2.6 1.0 1.2

0.0 4.0 1.6 -0.9 0.0

4.8 4.5 4.4 4.7 4.7

-153.3 -154.5 -145.6 -153.6 -145.5

0.5 0.2 0.0 0.4 -0.9

4.0 -43.1 -6.4 -32.0 -21.3

-4.0 -2.4 -6.2 -22.9 -8.1

-2.4 -2.4 -2.4 -2.4 -2.0

87.3 30.3 77.0 29.8 69.6

-20.8 -6.8 -18.6 -12.8 -15.6

66.5 23.5 58.3 17.0 54.0

0.0 0.0 0.0 0.0 0.0

66.5 23.5 58.3 17.0 54.0

1.5 1.8 1.5 0.0 1.5

64.9 21.7 56.8 17.0 52.5

240.1 230.0 235.2 237.9 245.4

-153.3 -154.5 -145.6 -153.6 -145.5

86.8 75.6 89.6 84.3 100.0

11,566.9 11,576.5 11,573.5 11,342.4 11,679.4

1,143.6 1,150.8 1,093.6 1,068.4 1,077.9

63.9% 67.1% 61.9% 64.6% 59.3%

23.6% 8.2% 21.2% 6.3% 20.3%

42,723.4 42,680.6 42,343.7 42,161.8 42,215.4

40,733.4 40,726.9 40,306.5 40,034.4 39,985.5

197.7 196.8 213.2 207.0 214.3

101.7 93.6 94.0 107.2 102.9

12.5 9.1 10.0 11.9 8.8

5.3 6.2 2.9 7.5 -0.6

0.1 0.0 0.0 -0.1 0.0

6.3 6.2 7.7 7.6 10.7

-227.5 -232.3 -228.7 -238.1 -231.1

8.4 -4.8 7.2 13.4 -5.0

-13.2 -49.9 -57.6 -108.6 -48.1

-13.6 -0.5 -8.4 -5.5 -14.0

-2.2 -2.3 -2.4 -2.0 -3.4

77.8 24.5 40.5 2.3 38.0

-15.7 -7.4 -14.7 -16.2 -16.8

62.1 17.1 25.8 -13.9 21.2

0.0 0.0 0.0 0.0 0.0

62.1 17.1 25.8 -13.9 21.2

46.2 16.7 22.7 -16.9 19.6

15.9 0.4 3.1 3.0 1.6

323.6 311.9 327.9 341.1 336.1

-227.5 -232.3 -228.7 -238.1 -231.1

96.1 79.7 99.2 103.0 105.0

22,544.4 22,501.0 22,324.1 22,464.0 22,440.9

2,198.2 2,071.8 2,030.8 2,014.1 2,007.2

70.3% 74.5% 69.7% 69.8% 68.8%

11.5% 3.3% 5.0% -2.7% 4.3%

56,115.4 56,163.4 55,930.5 56,204.6 56,074.4

52,285.3 52,421.1 52,155.6 52,457.8 52,105.8

102.5 100.1 101.9 107.8 98.5

44.0 42.9 39.1 54.3 43.3

0.3 0.2 2.1 0.7 0.2

20.7 19.7 1.8 -7.3 0.3

0.5 0.1 -0.6 -0.2 0.0

22.2 21.0 20.6 20.5 7.9

-88.7 -89.6 -82.7 -104.1 -78.1

1.5 -0.1 0.1 7.3 2.5

-104.1 -67.7 -131.0 -137.3 -50.8

-8.2 -19.1 -8.8 -0.1 -10.9

0.0 -0.2 -0.1 -0.1 -0.1

-9.4 7.5 -57.4 -58.3 12.9

-0.1 -2.8 3.4 -7.3 -13.4

-9.6 4.7 -54.0 -65.7 -0.5

0.0 0.0 0.0 0.0 0.0

-9.6 4.7 -54.0 -65.7 -0.5

3.3 -3.3 -1.5 -2.0 2.4

-12.9 8.0 -52.5 -63.7 -3.0

190.1 183.9 165.0 175.8 150.1

-88.7 -89.6 -82.7 -104.1 -78.1

101.5 94.4 82.2 71.8 72.0

17,608.8 16,639.1 17,060.3 14,910.6 15,649.4

1,772.5 1,826.1 1,631.6 1,580.5 1,401.1

46.6% 48.7% 50.2% 59.2% 52.1%

-2.2% 1.0% -13.1% -16.5% -0.2%

40,008.3 40,623.7 39,591.8 34,803.1 41,004.7

22,086.4 23,198.0 24,150.3 18,403.0 25,838.5

666.7 655.3 661.2 629.1 617.2

221.4 230.6 236.1 250.9 225.5

0.1 4.3 0.6 0.1 0.7

52.3 49.8 60.9 55.3 42.5

1.8 3.5 2.2 3.5 2.7

10.1 10.1 9.6 9.8 18.2

-427.6 -425.6 -425.4 -421.7 -405.2

6.6 0.0 -1.8 8.9 4.3

-256.2 -262.8 -247.4 -245.2 -245.7

-46.6 -93.0 -63.7 -62.5 -78.1

-30.0 -71.4 -20.5 -22.6 -69.3

228.6 172.0 232.4 228.2 182.0

-46.8 70.8 -49.8 -51.3 -56.7

181.8 242.8 182.6 176.9 125.4

0.0 0.0 0.0 0.0 0.0

181.8 242.8 182.6 176.9 125.4

3.4 7.7 4.1 -0.7 3.8

178.4 235.1 178.5 177.6 121.6

952.4 953.5 970.7 948.8 906.8

-427.6 -425.6 -425.4 -421.7 -405.2

524.8 527.9 545.2 527.0 501.6

35,838.6 35,212.3 34,296.1 32,652.6 33,614.8

4,756.0 4,410.3 4,387.9 4,225.4 4,297.2

44.9% 44.6% 43.8% 44.5% 44.7%

15.5% 22.1% 16.5% 16.6% 11.8%

84,685.8 82,498.7 81,765.6 79,324.3 77,132.7

76,131.8 74,240.4 73,211.6 70,884.4 68,563.4

256.6 247.4 254.2 241.2 233.4

114.7 108.1 105.7 106.5 101.6

0.0 1.7 0.2 0.1 0.4

17.9 20.2 21.7 20.0 21.5

0.0 0.0 0.0 0.0 0.0

8.6 8.1 7.7 7.5 8.0

-185.4 -182.8 -182.8 -170.8 -164.7

6.5 -0.6 -2.6 4.9 4.2

-36.8 -41.3 -34.8 -27.3 -35.6

9.0 11.0 -19.0 0.6 2.3

0.0 0.0 0.0 0.0 0.0

191.2 171.7 150.2 182.7 171.1

-38.0 -34.6 -29.8 -37.6 -34.1

153.3 137.1 120.4 145.0 137.0

0.0 0.0 0.0 0.0 0.0

153.3 137.1 120.4 145.0 137.0

0.8 0.6 0.4 2.1 0.8

152.4 136.5 120.0 143.0 136.2

397.8 385.5 389.4 375.3 364.8

-185.4 -182.8 -182.8 -170.8 -164.7

212.4 202.6 206.6 204.4 200.1

14,620.7 14,598.7 14,622.1 13,934.1 13,949.4

1,781.1 1,531.5 1,567.9 1,490.4 1,474.6

46.6% 47.4% 46.9% 45.5% 45.1%

34.9% 35.9% 30.5% 38.6% 37.7%

38,059.8 36,928.1 36,667.3 35,322.6 33,306.9

34,335.3 33,421.1 32,991.1 31,719.1 29,583.9

162.5 155.9 150.2 141.5 135.7

32.6 41.7 42.6 52.3 39.1

0.0 2.3 0.0 0.0 0.0

26.0 24.5 26.1 23.2 19.6

0.0 0.0 0.0 0.8 0.2

0.9 1.5 1.3 1.3 1.2

-94.3 -91.1 -91.8 -92.0 -80.5

0.0 0.0 0.5 2.7 0.1

-114.9 -114.7 -116.8 -107.9 -110.3

-19.3 -19.3 -12.9 -18.7 -7.2

0.0 0.0 0.0 0.0 0.0

-6.6 0.7 -0.8 3.1 -2.0

5.9 122.5 -1.9 -3.0 -5.9

-0.8 123.2 -2.7 0.2 -7.9

0.0 0.0 0.0 0.0 0.0

-0.8 123.2 -2.7 0.2 -7.9

-0.7 6.4 0.3 -1.0 0.0

-0.1 116.8 -3.0 1.2 -7.9

221.9 225.9 220.2 219.1 195.8

-94.3 -91.1 -91.8 -92.0 -80.5

127.6 134.8 128.4 127.1 115.3

8,494.5 7,989.0 7,579.6 6,850.1 6,892.8

1,486.6 1,389.8 1,366.1 1,305.9 1,302.7

42.5% 40.3% 41.7% 42.0% 41.1%

-0.2% 35.6% -0.8% 0.0% -2.4%

15,971.5 15,630.0 15,266.8 14,924.3 14,756.5

14,433.4 13,980.5 13,613.2 13,265.3 13,097.7

104.4 107.6 112.0 107.1 107.9

29.1 29.3 28.6 30.5 29.9

0.0 0.2 0.1 0.0 0.3

1.4 2.7 3.9 3.7 2.7

1.6 3.1 2.3 2.8 1.9

0.4 0.5 0.5 0.5 0.4

-58.9 -62.1 -61.9 -66.1 -65.1

0.0 0.5 0.2 1.3 0.0

-14.3 -9.3 -6.0 -17.7 -12.7

-14.6 -11.7 -12.7 -8.2 -11.0

-10.5 -10.5 -10.1 -10.1 -10.3

49.3 60.8 67.1 53.9 54.3

-9.2 -12.4 -15.7 -13.2 -12.7

40.1 48.5 51.4 40.8 41.6

0.0 0.0 0.0 0.0 0.0

40.1 48.5 51.4 40.8 41.6

0.0 0.0 0.0 0.0 0.0

40.1 48.5 51.4 40.8 41.6

137.0 143.3 147.3 144.7 143.1

-58.9 -62.1 -61.9 -66.1 -65.1

78.1 81.2 85.5 78.5 78.0

4,357.9 4,321.0 4,261.1 3,877.7 3,962.0

524.0 512.0 506.7 480.6 501.6

43.0% 43.3% 42.0% 45.7% 45.5%

31.0% 38.0% 40.3% 33.7% 33.6%

11,968.0 11,523.8 11,573.6 11,695.9 11,802.3

10,460.0 10,160.8 10,061.3 10,234.8 10,291.8

75.3 75.5 78.1 69.8 69.6

27.9 31.3 32.9 39.6 33.6

0.0 0.0 0.0 0.0 0.0

2.0 -3.9 2.0 3.9 -5.7

0.0 0.0 0.0 0.0 0.0

0.1 0.0 0.1 0.4 0.3

-45.8 -44.1 -44.9 -45.4 -42.1

0.0 0.0 0.0 0.0 0.0

-57.7 -52.7 -45.3 -45.6 -44.8

-21.7 -72.3 -16.6 -26.1 -61.6

-19.5 -60.9 -10.4 -12.4 -59.1

-19.9 -66.1 6.3 -3.3 -50.7

-2.7 -3.3 -2.1 1.6 -3.1

-22.6 -69.4 4.2 -1.7 -53.8

0.0 0.0 0.0 0.0 0.0

-22.6 -69.4 4.2 -1.7 -53.8

0.0 0.0 0.0 0.0 0.0

-22.6 -69.4 4.2 -1.7 -53.8

105.3 102.9 113.1 113.8 97.9

-45.8 -44.1 -44.9 -45.4 -42.1

59.6 58.8 68.2 68.3 55.8

3,938.4 4,111.4 4,013.5 3,926.0 3,741.1

516.7 516.5 487.2 489.3 507.2

43.5% 42.8% 39.7% 39.9% 43.0%

-17.7% -53.9% 3.4% -1.4% -43.0%

9,248.3 8,794.8 8,468.9 7,631.6 7,366.4

8,576.7 8,174.1 7,852.5 7,012.8 6,814.6

59.8 61.1 58.6 61.0 63.0

14.3 17.0 22.9 18.4 18.3

0.1 0.0 0.3 0.0 0.0

4.5 5.6 6.5 3.8 3.8

0.2 0.4 -0.1 -0.1 0.5

0.0 0.1 0.1 0.1 8.2

-34.4 -36.1 -35.2 -38.0 -43.5

0.2 0.0 0.0 0.0 0.0

-30.7 -42.1 -42.3 -44.1 -39.7

0.3 -1.1 -2.5 -9.9 -0.5

0.0 0.0 0.0 0.0 0.0

14.1 4.9 8.4 -8.8 10.1

-2.6 -1.5 -0.4 1.2 -1.5

11.5 3.4 8.0 -7.6 8.6

0.0 0.0 0.0 0.0 0.0

11.5 3.4 8.0 -7.6 8.6

3.2 0.8 3.1 -1.8 3.1

8.3 2.6 4.9 -5.7 5.5

78.8 84.1 88.3 83.2 93.7

-34.4 -36.1 -35.2 -38.0 -43.5

44.4 48.0 53.1 45.3 50.2

3,903.3 3,714.3 3,266.4 3,504.8 4,504.9

392.4 404.2 391.7 391.9 438.6

43.7% 42.9% 39.9% 45.6% 46.4%

11.9% 3.4% 8.1% -7.6% 8.0%

8,621.5 8,855.4 8,956.4 8,900.9 9,040.0

7,631.3 7,859.0 7,984.0 7,927.8 8,041.8

8.1 7.8 8.2 8.4 7.7

2.9 3.3 3.5 3.7 3.1

0.0 0.0 0.0 0.0 0.0

0.5 0.7 0.6 0.7 0.6

0.0 0.0 0.0 0.0 0.1

0.0 0.0 0.0 0.0 0.0

-8.8 -9.4 -8.9 -9.4 -9.4

0.0 0.0 0.0 0.0 0.0

-1.9 -2.8 -2.2 -2.7 -2.7

-0.3 0.4 0.0 -0.1 -0.2

0.0 0.0 0.0 0.0 0.0

0.5 0.0 1.1 0.6 -0.8

-0.2 0.1 0.0 -0.4 0.6

0.3 0.1 1.1 0.2 -0.2

0.0 0.0 0.0 0.0 0.0

0.3 0.1 1.1 0.2 -0.2

0.1 0.0 0.2 0.0 -0.1

0.2 0.1 0.9 0.2 0.0

11.5 11.8 12.3 12.8 11.5

-8.8 -9.4 -8.9 -9.4 -9.4

2.8 2.4 3.4 3.4 2.2

523.6 478.0 553.3 559.9 564.6

55.2 56.2 68.2 67.2 72.5

76.1% 79.4% 72.5% 73.4% 81.2%

2.2% 0.7% 6.7% 1.2% -1.0%

816.7 766.5 832.6 849.0 860.7

695.0 644.9 709.5 724.6 733.5

95.0 55.9 55.3 79.9 48.5

-5.6 -3.8 1.1 -33.3 -10.3

6.4 5.2 4.2 5.0 1.3

-54.7 -3.4 12.4 -21.9 7.1

0.4 1.8 4.3 -0.2 0.5

0.4 -0.2 4.3 -1.1 5.1

-92.9 -68.3 -81.7 -54.2 -103.3

4.9 0.4 1.1 8.1 -4.8

-2.2 11.0 -18.4 -6.3 1.7

-25.8 -164.4 -55.5 -397.5 -8.7

-37.0 -36.8 -37.0 -36.8 -25.0

-74.2 -165.9 -72.8 -421.6 -63.0

17.0 37.6 23.7 -59.8 2.8

-57.2 -128.3 -49.2 -481.4 -60.1

0.0 0.0 0.0 0.0 0.0

-57.2 -128.3 -49.2 -481.4 -60.1

12.5 11.4 8.4 22.8 9.2

-69.7 -139.6 -57.6 -504.2 -69.3

41.8 55.5 81.6 28.2 52.1

-92.9 -68.3 -81.7 -54.2 -103.3

-51.1 -12.9 -0.1 -26.0 -51.2

2,514.0 1,388.3 1,378.6 3,488.5 4,489.9

6,641.7 7,067.5 6,670.5 6,275.8 6,193.8

>100% >100% >100% >100% >100%

-3.5% -7.3% -2.9% -30.4% -3.9%

-10,321.8 -11,535.6 -11,547.7 -12,376.0 -12,524.4

5,535.9 3,606.2 2,966.1 3,553.2 2,340.5

Asset quality (gross loans)

in EUR million Q1 13 Q2 13 Q3 13

Total group

Low risk 95,178 95,081 95,655

Management attention 18,867 18,313 17,492

Substandard 4,057 3,790 3,897

Non-performing 12,232 12,573 12,448

Gross customer loans 130,335 129,756 129,492

Allowances for customer loans 7,632 7,757 7,837

NPL coverage (exc collateral) 62.4% 61.7% 63.0%

NPL ratio 9.4% 9.7% 9.6%

Currency split

CEE-LCY 24,929 24,987 25,222

CHF 12,089 11,475 11,248

EUR 89,632 89,632 89,486

USD 1,595 1,721 1,616

Other 2,089 1,941 1,921

Industry split (NACE Code)

Agriculture and forestry

Low risk 1,365 1,339 1,408

Management attention 488 494 490

Substandard 57 67 57

Non-performing 247 276 269


Allowances for customer loans 161 170 170


NPL ratio 11.5% 12.7% 12.1%

Mining

Low risk 215 279 290


Substandard 4 6 5


Gross customer loans 374 431 461



NPL ratio 18.2% 18.6% 18.1%

Manufacturing

Low risk 6,232 5,946 5,896



Non-performing 1,699 1,740 1,686




NPL ratio 16.4% 17.4% 17.5%

Energy and water supply

Low risk 1,875 1,845 2,016







NPL ratio 10.0% 10.2% 8.5%

Construction

Low risk 3,555 3,718 4,051





Allowances for customer loans 971 971 1,011


NPL ratio 25.1% 24.3% 24.0%

Development of building projects

Low risk 2,006 1,887 2,262







NPL ratio 21.1% 20.0% 19.6%

Trade

Low risk 5,624 5,476 5,336







NPL ratio 15.1% 15.5% 16.7%

Transport and communication

Low risk 2,392 2,492 2,545







NPL ratio 11.0% 10.1% 9.7%

Hotels and restaurants

Low risk 2,092 2,056 1,983







NPL ratio 19.3% 20.1% 19.5%

Financial and insurance services

Low risk 4,889 5,074 4,759







NPL ratio 4.4% 4.8% 5.4%

Holding companies

Low risk 2,841 2,869 2,890







NPL ratio 4.5% 5.7% 6.2%

Real estate and housing

Low risk 15,683 15,552 15,684







NPL ratio 6.3% 6.7% 6.5%

Services

Low risk 3,273 3,302 3,325







NPL ratio 10.4% 10.3% 10.3%

Public administration

Low risk 5,997 5,756 5,638







NPL ratio 0.6% 0.5% 0.5%

Education, health and art

Low risk 1,692 1,723 1,694







NPL ratio 7.8% 10.5% 9.8%

Households

Low risk 40,240 40,437 40,999


Substandard 1,440 1,239 1,319





NPL ratio 6.7% 6.9% 6.8%

Other

Low risk 54 86 31







NPL ratio 19.8% 17.0% 14.8%

Country of origination split

Core markets

Low risk 88,552 88,429 89,049


Substandard 3,636 3,391 3,417

Non-performing 11,202 11,574 11,376




NPL ratio 9.3% 9.6% 9.5%

Austria

Low risk 52,858 52,950 53,235


Substandard 1,052 1,059 1,043





NPL ratio 4.8% 4.9% 4.8%

Czech Republic

Low risk 16,083 16,115 16,503







NPL ratio 5.0% 5.2% 4.9%

Romania

Low risk 5,572 5,248 5,201







NPL ratio 28.4% 29.8% 29.5%

Slovakia

Low risk 5,978 6,016 6,112

Management attention 989 1,014 1,015






NPL ratio 5.7% 5.5% 5.6%

Hungary

Low risk 3,203 3,200 3,161







NPL ratio 24.4% 26.1% 26.8%

Croatia

Low risk 4,131 4,252 4,191







NPL ratio 18.2% 19.2% 19.5%

Serbia

Low risk 727 648 647







NPL ratio 10.6% 11.9% 12.0%

Other EU

Low risk 4,749 4,652 4,507

Management attention 1,139 1,073 877






NPL ratio 10.7% 10.5% 11.4%

Other industrialised countries

Low risk 595 681 707







NPL ratio 9.3% 8.1% 9.7%

Emerging markets

Low risk 1,282 1,319 1,392







NPL ratio 9.9% 10.2% 11.0%

Southeastern Europe/CIS

Low risk 923 977 1,028







NPL ratio 10.6% 11.0% 12.1%

Asia

Low risk 166 170 180


Substandard 0 0 0





NPL ratio 8.7% 9.4% 9.2%

Latin America

Low risk 79 47 46


Substandard 0 0 0





NPL ratio 6.1% 0.7% 0.7%

Middle East/Africa

Low risk 114 124 137


Substandard 0 0 0





NPL ratio 4.7% 4.1% 3.9%


Retail

Low risk 37,194 37,487 37,896


Substandard 1,345 1,136 1,226





NPL ratio 7.6% 7.7% 7.6%

SME

Low risk 15,963 15,854 16,451







NPL ratio 14.1% 14.9% 14.5%

ALM & LCC

Low risk 397 327 66


Substandard 0 1 2





NPL ratio 4.6% 4.9% 15.4%

Total corporate

Low risk 6,134 6,237 5,941







NPL ratio 8.4% 8.2% 8.4%


Low risk 6,677 6,334 6,047







NPL ratio 16.9% 18.5% 18.5%

Other Corporate

Low risk 733 657 688







NPL ratio 4.5% 4.4% 4.3%

Group Markets

Low risk 81 111 91


Substandard 0 0 2





NPL ratio 1.1% 2.7% 0.1%


Low risk 258 237 221







NPL ratio 0.0% 0.7% 0.7%


Austria

Low risk 61,688 61,622 61,710


Substandard 1,803 1,760 1,899





NPL ratio 6.1% 6.4% 6.4%

Currency split

CEE-LCY 0 0 0

CHF 8,522 8,028 7,853

EUR 66,937 67,233 67,382

USD 1,145 1,256 1,255

Other 2,045 1,893 1,872

EBOe & Subsidiaries

Low risk 24,404 24,503 24,770







NPL ratio 3.6% 3.8% 3.6%

Currency split

CEE-LCY 0 0 0

CHF 3,146 2,902 2,845

EUR 24,213 24,615 24,919

USD 52 54 60

Other 351 300 273

Savings Banks

Low risk 27,741 27,836 28,254







NPL ratio 6.9% 7.0% 6.9%

Currency split

CEE-LCY 0 0 0

CHF 5,153 4,903 4,786

EUR 31,299 31,680 31,866

USD 102 102 93

Other 761 726 755

Other Austria

Low risk 9,544 9,283 8,686







NPL ratio 8.8% 10.2% 10.7%

Currency split

CEE-LCY 0 0 0

CHF 224 223 223

EUR 11,425 10,938 10,597

USD 990 1,100 1,102

Other 934 867 845


Low risk 33,218 33,221 33,722


Substandard 2,229 2,005 1,973





NPL ratio 14.6% 14.9% 14.7%

Currency split

CEE-LCY 24,929 24,987 25,222

CHF 3,567 3,446 3,395

EUR 22,289 22,064 21,735

USD 451 405 361

Other 41 45 48

Czech Republic

Low risk 15,342 15,419 15,841



Non-performing 1,004 992 910




NPL ratio 5.2% 5.2% 4.7%

Currency split

CEE-LCY 17,690 17,612 17,794

CHF 5 5 5

EUR 1,397 1,410 1,456

USD 88 70 73

Other 15 15 16

Romania

Low risk 5,187 4,868 4,828







NPL ratio 28.3% 29.3% 29.6%

Currency split

CEE-LCY 4,116 4,054 4,026

CHF 0 0 0

EUR 7,277 7,088 6,717

USD 279 247 207

Other 12 10 9

Slovakia

Low risk 5,738 5,774 5,853







NPL ratio 5.6% 5.2% 5.3%

Currency split

CEE-LCY 0 0 0

CHF 0 0 0

EUR 7,181 7,199 7,274

USD 6 7 6

Other 11 17 16

Hungary

Low risk 2,728 2,805 2,815







NPL ratio 25.5% 26.0% 27.0%

Currency split

CEE-LCY 1,753 1,701 1,764

CHF 2,866 2,770 2,727

EUR 1,360 1,352 1,222

USD 3 5 4

Other 0 0 0

Croatia

Low risk 3,822 3,970 3,989







NPL ratio 17.5% 18.8% 18.9%

Currency split

CEE-LCY 1,250 1,497 1,514

CHF 677 654 645

EUR 4,640 4,595 4,637

USD 71 73 68

Other 3 3 7

Serbia

Low risk 401 384 395


Substandard 12 12 8





NPL ratio 12.7% 13.3% 13.7%

Currency split

CEE-LCY 120 122 125

CHF 17 17 17

EUR 433 419 430

USD 4 4 4

Other 0 0 0

Geographic segments by Basel 2 customer segments

Total group

Total retail 63,121 63,027 63,442

Private individuals 50,743 50,729 51,079

Micros 12,378 12,299 12,363

Total corporate 67,214 66,729 66,050

Corporate 59,737 59,400 58,657

Public sector 7,477 7,329 7,393


Austria

Total retail 34,340 34,339 34,654


Micros 9,757 9,718 9,763

Total corporate 44,309 44,072 43,707

Corporate 40,366 40,405 40,036

Public sector 3,943 3,667 3,671


EBOe & Subsidiaries

Total retail 14,414 14,426 14,576


Micros 2,789 2,828 2,902

Total corporate 13,348 13,447 13,520

Corporate 11,595 11,912 11,988

Public sector 1,753 1,534 1,533


Savings Banks

Total retail 19,499 19,526 19,712


Micros 6,598 6,566 6,558

Total corporate 17,815 17,884 17,787

Corporate 16,196 16,278 16,162

Public sector 1,619 1,606 1,625


Other Austria

Total retail 427 387 367

Private individuals 57 63 63

Micros 370 324 303

Total corporate 13,145 12,741 12,399

Corporate 12,574 12,214 11,885

Public sector 571 527 514



Total retail 28,765 28,674 28,775


Micros 2,621 2,581 2,601

Total corporate 22,511 22,274 21,987

Corporate 19,020 18,649 18,299

Public sector 3,491 3,625 3,687


Czech Republic

Total retail 11,404 11,393 11,588


Micros 1,502 1,469 1,447

Total corporate 7,792 7,719 7,756

Corporate 7,123 7,052 7,073



Slovakia

Total retail 5,190 5,233 5,284


Micros 289 302 315


Corporate 1,775 1,755 1,770



Romania

Total retail 5,244 5,203 5,127


Micros 599 583 612


Corporate 5,226 4,970 4,615

Public sector 1,214 1,226 1,215


Hungary

Total retail 3,932 3,822 3,778


Micros 38 33 37


Corporate 1,685 1,669 1,607



Croatia

Total retail 2,782 2,809 2,782


Micros 178 180 179


Corporate 2,851 2,857 2,877

Public sector 1,007 1,156 1,212


Serbia



Micros 14 13 12

Total corporate 363 349 360

Corporate 360 346 357

Public sector 3 3 3


Other



Micros 0 0 0

Total corporate 394 383 356

Corporate 351 346 322



Q4 13 Q1 14

95,263 95,070

16,582 16,724

3,557 3,434

12,296 12,238

127,698 127,465

7,753 7,660

63.1% 62.6%

9.6% 9.6%

24,084 24,073

10,673 10,245

89,610 89,898

1,647 1,577

1,685 1,672

1,419 1,378

449 439

82 64

267 277

2,218 2,159

171 173

64.2% 62.4%

12.0% 12.8%

279 261

97 94

5 5

58 40

439 400

42 25

72.3% 63.0%

13.2% 9.9%

5,814 6,091

1,454 1,342

414 270

1,635 1,765

9,316 9,468

1,111 1,058

67.9% 60.0%

17.5% 18.6%

2,172 2,153

332 290

88 76

205 202

2,797 2,721

126 120

61.7% 59.6%

7.3% 7.4%

3,846 3,852

1,091 1,164

159 145

1,647 1,569

6,743 6,731

1,034 1,000

62.8% 63.7%

24.4% 23.3%

2,270 2,213

332 381

48 48

577 571

3,228 3,213

329 360

57.1% 63.0%

17.9% 17.8%

5,276 5,267

1,366 1,332

273 271

1,462 1,473

8,376 8,342

924 897

63.2% 60.9%

17.5% 17.7%

2,590 2,571

535 525

70 49

321 315

3,516 3,460

234 217

73.1% 68.9%

9.1% 9.1%

1,976 1,943

838 825

200 218

807 779

3,822 3,765

390 401

48.4% 51.5%

21.1% 20.7%

4,662 4,814

463 491

34 104

418 348

5,576 5,757

254 238

60.7% 68.4%

7.5% 6.0%

2,806 2,709

254 305

21 90

302 255

3,382 3,359

163 181

53.9% 71.1%

8.9% 7.6%

15,759 15,656

2,458 2,332

523 544

1,236 1,270

19,975 19,802

746 745

60.3% 58.7%

6.2% 6.4%

3,368 3,259

765 947

159 174

451 441

4,743 4,821

304 291

67.5% 66.1%

9.5% 9.1%

5,749 5,576

268 236

22 3

22 16

6,062 5,831

17 15

76.8% 95.8%

0.4% 0.3%

1,817 1,698

419 454

58 63

351 353

2,646 2,568

81 119

23.0% 33.7%

13.3% 13.8%

40,509 40,502

6,033 6,103

1,336 1,361

3,389 3,364

51,266 51,329

2,244 2,275

66.2% 67.6%

6.6% 6.6%

27 50

15 149

132 85

27 28

202 311

75 85

278.2% 307.2%

13.3% 8.8%

88,949 88,978

15,079 15,203

3,222 3,110

11,174 11,073

118,424 118,364

7,046 6,945

63.1% 62.7%

9.4% 9.4%

53,355 53,345

7,182 7,670

1,034 1,168

3,088 3,021

64,659 65,204

1,917 1,922

62.1% 63.6%

4.8% 4.6%

15,958 16,073

2,269 2,107

473 506

1,074 1,070

19,774 19,755

753 775

70.1% 72.4%

5.4% 5.4%

5,133 5,085

2,144 2,152

690 428

3,241 3,240

11,208 10,905

2,125 1,987

65.6% 61.3%

28.9% 29.7%

6,446 6,579

793 728

255 292

458 452

7,952 8,051

388 388

84.8% 85.8%

5.8% 5.6%

3,104 2,919

1,201 1,135

291 244

1,663 1,590

6,260 5,888

968 935

58.2% 58.8%

26.6% 27.0%

4,334 4,397

1,318 1,292

435 395

1,511 1,554

7,597 7,638

797 837

52.8% 53.8%

19.9% 20.4%

619 580

172 120

45 77

139 146

974 922

98 101

70.2% 69.2%

14.3% 15.8%

4,190 3,969

909 914

253 243

823 858

6,176 5,984

328 331

39.8% 38.6%

13.3% 14.3%

762 796

127 43

28 24

80 77

997 940

51 46

63.7% 59.6%

8.0% 8.2%

1,361 1,327

467 564

53 57

220 229

2,100 2,177

156 162

71.2% 70.6%

10.5% 10.5%

991 937

443 541

52 57

197 208

1,683 1,742

153 159

77.8% 76.5%

11.7% 11.9%

178 191

11 10

0 0

17 15

206 217

1 1

3.4% 4.0%

8.2% 7.0%

51 62

2 1

0 0

0 0

53 63

1 0

307.4% 123.3%

0.5% 0.4%

141 137

11 13

0 0

6 6

159 155

2 2

31.9% 31.2%

3.7% 3.8%

37,190 37,266

4,704 4,728

1,215 1,229

3,466 3,410

46,576 46,633

2,361 2,363

68.1% 69.3%

7.4% 7.3%

16,523 15,673

3,134 2,695

568 440

3,413 2,657

23,638 21,465

2,124 1,590

62.2% 59.8%

14.4% 12.4%

127 149

9 8

6 9

17 20

159 186

14 14

83.2% 70.6%

10.6% 10.8%

5,362 6,434

698 1,100

239 121

535 1,303

6,834 8,959

415 864

77.7% 66.3%

7.8% 14.5%

5,747 5,623

1,699 1,446

565 569

2,146 2,128

10,157 9,766

1,210 1,177

56.4% 55.3%

21.1% 21.8%

1,331 1,245

322 290

59 36

126 143

1,838 1,714

73 73

58.1% 50.8%

6.8% 8.3%

207 215

30 39

0 0

0 0

238 254

0 1

432.0% 63166.3%

0.0% 0.0%

208 186

87 457

25 69

22 20

343 732

4 8

20.0% 39.8%

6.5% 2.7%

61,666 61,250

9,596 9,591

1,666 1,748

5,280 5,231

78,207 77,819

3,102 3,092

58.7% 59.1%

6.8% 6.7%

0 0

7,515 7,181

67,764 67,768

1,287 1,237

1,642 1,633

24,586 24,607

2,145 2,280

247 272

1,070 986

28,049 28,145

682 673

63.7% 68.2%

3.8% 3.5%

0 0

2,718 2,664

25,065 25,226

42 39

225 216

28,566 28,279

5,898 5,960

880 960

2,571 2,557

37,915 37,755

1,551 1,572

60.3% 61.5%

6.8% 6.8%

0 0

4,594 4,413

32,536 32,533

96 94

690 715

8,514 8,364

1,552 1,350

539 517

1,638 1,688

12,243 11,920

868 847

53.0% 50.2%

13.4% 14.2%

0 0

203 104

10,163 10,009

1,150 1,104

727 702

33,388 33,553

6,881 6,639

1,866 1,596

6,994 6,966

49,130 48,755

4,647 4,523

66.4% 64.9%

14.2% 14.3%

24,084 24,059

3,154 3,059

21,537 21,304

312 294

43 39

15,360 15,496

1,875 1,844

410 395

850 849

18,495 18,584

667 685

78.4% 80.7%

4.6% 4.6%

16,920 17,043

5 5

1,498 1,464

56 55

17 16

4,652 4,609

2,103 2,026

645 391

3,052 3,047

10,453 10,073

2,043 1,895

66.9% 62.2%

29.2% 30.3%

3,862 3,827

0 0

6,398 6,085

184 153

8 8

6,204 6,332

624 592

234 266

407 405

7,469 7,595

352 354

86.4% 87.4%

5.4% 5.3%

0 0

0 0

7,450 7,577

6 5

13 13

2,741 2,630

984 895

234 219

1,421 1,354

5,380 5,098

884 841

62.2% 62.1%

26.4% 26.6%

1,648 1,521

2,538 2,452

1,192 1,109

2 16

0 0

4,048 4,111

1,210 1,199

333 315

1,179 1,212

6,771 6,837

635 675

53.9% 55.6%

17.4% 17.7%

1,526 1,539

594 585

4,584 4,651

61 60

5 1

383 375

84 83

10 11

86 99

562 567

66 74

76.6% 74.8%

15.3% 17.4%

127 128

16 17

415 419

4 4

0 0

62,695 62,588

50,390 50,442

12,305 12,146

65,003 64,878

57,344 57,356

7,659 7,521

127,698 127,465

34,477 34,288

24,752 24,810

9,725 9,478

43,729 43,531

39,908 39,786

3,822 3,746

78,207 77,819

14,372 14,337

11,498 11,490

2,874 2,847

13,677 13,808

12,093 12,230

1,584 1,577

28,049 28,145

19,879 19,875

13,242 13,319

6,638 6,556

18,035 17,880

16,300 16,247

1,735 1,633

37,915 37,755

225 76

12 1

214 75

12,017 11,844

11,515 11,308

502 536

12,243 11,920

28,203 28,251

25,624 25,600

2,579 2,651

20,927 20,503

17,118 16,755

3,808 3,749

49,130 48,755

11,045 11,066

9,641 9,626

1,404 1,440

7,450 7,518

6,793 6,854

656 664

18,495 18,584

5,412 5,544

5,092 5,217

320 327

2,057 2,051

1,700 1,687

357 364

7,469 7,595

5,018 4,928

4,440 4,400

578 528

5,435 5,145

4,212 3,958

1,223 1,186

10,453 10,073

3,648 3,552

3,620 3,526

28 26

1,732 1,546

1,410 1,260

321 286

5,380 5,098

2,778 2,835

2,624 2,620

154 215

3,993 4,002

2,745 2,756

1,248 1,246

6,771 6,837

302 326

207 211

95 115

261 242

258 239

2 2

562 567

15 49

15 32

0 17

346 843

318 816

29 27

361 891

Asset quality (gross exposure)

in EUR million Q1 13 Q2 13 Q3 13

Total group

Low risk 179,662 176,315 174,654


Substandard 4,960 4,657 4,716

Non-performing 12,647 12,969 12,917

Gross exposure 219,077 215,000 212,431

Allowances for gross exposure 7,907 8,040 8,104

NPE coverage ratio 62.5% 62.0% 62.7%

NPE ratio 5.8% 6.0% 6.1%

Currency split

CEE-LCY 47,469 46,216 45,333

CHF 12,416 11,730 11,609

EUR 147,846 145,233 144,618

USD 4,612 5,341 4,529

Other 6,734 6,480 6,343

Industry split (NACE Code)

Agriculture and forestry

Low risk 1,529 1,485 1,553




Gross exposure 2,390 2,380 2,417

Allowances for gross exposure 164 172 172


NPE ratio 10.4% 11.7% 11.2%

Mining

Low risk 376 362 396


Substandard 12 11 5


Gross exposure 567 551 603



NPE ratio 12.1% 14.6% 14.7%

Manufacturing

Low risk 9,626 9,153 9,237




Gross exposure 14,356 13,769 13,474



NPE ratio 12.2% 13.1% 13.1%

Energy and water supply

Low risk 2,892 2,871 3,102







NPE ratio 7.4% 7.4% 6.2%

Construction

Low risk 5,688 6,282 6,685




Gross exposure 9,663 10,125 10,356



NPE ratio 18.7% 17.8% 17.8%

Development of building projects

Low risk 2,520 2,382 2,749







NPE ratio 17.6% 16.8% 16.8%

Trade

Low risk 7,525 7,247 7,161




Gross exposure 11,174 10,854 10,700



NPE ratio 12.4% 12.8% 13.8%

Transport and communication

Low risk 3,848 4,089 4,197







NPE ratio 8.1% 7.2% 6.8%

Hotels and restaurants

Low risk 2,457 2,396 2,312







NPE ratio 17.7% 18.7% 18.5%

Financial and insurance services

Low risk 38,899 36,074 32,580

Management attention 1,262 1,131 909



Gross exposure 40,594 37,677 34,062



NPE ratio 0.8% 1.0% 1.1%

Holding companies

Low risk 4,402 4,709 4,919







NPE ratio 3.3% 3.8% 4.0%

Real estate and housing

Low risk 17,568 17,544 17,531




Gross exposure 22,464 22,501 22,282



NPE ratio 5.8% 6.1% 5.9%

Services

Low risk 4,656 4,424 4,368







NPE ratio 8.1% 8.3% 8.4%

Public administration

Low risk 38,957 38,353 39,055




Gross exposure 39,582 38,849 39,605



NPE ratio 0.1% 0.1% 0.1%

Education, health and art

Low risk 1,991 2,010 2,011







NPE ratio 7.0% 9.3% 8.7%

Households

Low risk 43,179 43,511 43,997


Substandard 1,471 1,265 1,349


Gross exposure 54,787 54,904 55,220



NPE ratio 6.3% 6.5% 6.4%

Other

Low risk 471 514 468







NPE ratio 3.6% 2.7% 2.6%

Country of origination split

Core markets

Low risk 143,972 143,560 143,768


Substandard 4,460 4,187 4,164

Non-performing 11,526 11,885 11,745

Gross exposure 179,652 178,624 178,055



NPE ratio 6.4% 6.7% 6.6%

Austria

Low risk 74,953 74,808 75,370


Substandard 1,657 1,663 1,625


Gross exposure 88,226 88,000 88,299



NPE ratio 3.8% 3.8% 3.8%

Czech Republic

Low risk 30,832 29,779 29,590




Gross exposure 36,263 34,843 34,453



NPE ratio 2.9% 3.1% 3.0%

Romania

Low risk 10,632 10,802 10,998




Gross exposure 18,011 18,170 18,025



NPE ratio 19.5% 19.9% 19.5%

Slovakia

Low risk 13,293 13,110 13,338




Gross exposure 15,126 14,949 15,176



NPE ratio 3.0% 3.0% 3.1%

Hungary

Low risk 7,107 7,762 7,417




Gross exposure 10,902 11,363 10,919



NPE ratio 15.6% 15.5% 16.3%

Croatia

Low risk 6,338 6,557 6,299




Gross exposure 9,816 10,080 9,895



NPE ratio 13.9% 14.7% 15.3%

Serbia

Low risk 817 742 756







NPE ratio 8.8% 9.8% 9.4%

Other EU

Low risk 31,074 28,185 26,156




Gross exposure 33,526 30,502 28,444



NPE ratio 2.3% 2.4% 2.7%

Other industrialised countries

Low risk 2,275 2,171 2,234







NPE ratio 5.1% 5.1% 5.6%

Emerging markets

Low risk 2,341 2,399 2,495







NPE ratio 6.6% 6.7% 7.3%

Southeastern Europe/CIS

Low risk 1,512 1,468 1,516







NPE ratio 7.9% 8.4% 9.4%

Asia

Low risk 505 574 566


Substandard 0 0 0





NPE ratio 3.1% 3.1% 3.2%

Latin America

Low risk 83 50 49


Substandard 0 0 0





NPE ratio 7.5% 4.8% 5.0%

Middle East/Africa

Low risk 241 307 364


Substandard 7 6 8





NPE ratio 2.1% 1.6% 1.4%


Retail

Low risk 41,432 41,839 42,346


Substandard 1,384 1,168 1,258


Gross exposure 52,162 52,273 52,684



NPE ratio 7.0% 7.0% 7.0%

SME

Low risk 20,403 20,172 20,795




Gross exposure 29,677 29,293 29,534



NPE ratio 11.9% 12.5% 12.4%

ALM & LCC

Low risk 30,571 29,263 29,437




Gross exposure 31,216 29,944 30,088



NPE ratio 0.1% 0.1% 0.1%

Total corporate

Low risk 10,480 10,985 10,928




Gross exposure 13,326 13,645 13,457



NPE ratio 5.9% 5.7% 5.9%


Low risk 7,054 6,876 6,616




Gross exposure 11,793 11,539 11,396



NPE ratio 16.4% 17.7% 17.6%

Other Corporate

Low risk 2,916 2,693 2,612







NPE ratio 3.1% 3.0% 3.1%

Group Markets

Low risk 25,323 23,034 19,948




Gross exposure 25,629 23,217 20,118



NPE ratio 0.0% 0.0% 0.0%


Low risk 507 461 434







NPE ratio 0.0% 0.4% 0.4%


Austria

Low risk 106,358 105,058 103,206


Substandard 2,148 2,104 2,264


Gross exposure 125,118 123,635 121,592



NPE ratio 4.1% 4.3% 4.4%

Currency split 0 0 0

CEE-LCY 0 0 0

CHF 8,754 8,222 8,156

EUR 106,374 104,998 104,163

USD 3,719 4,418 3,741

Other 6,271 5,997 5,533

EBOe & Subsidiaries

Low risk 31,194 31,370 31,641




Gross exposure 35,040 35,230 35,446



NPE ratio 3.1% 3.2% 3.1%


CEE-LCY 0 0 0

CHF 3,162 2,916 2,858

EUR 31,432 31,914 32,225

USD 88 89 83

Other 358 310 280

Savings Banks

Low risk 40,975 40,992 41,539


Substandard 1,119 1,114 1,071


Gross exposure 51,432 51,475 51,686



NPE ratio 5.2% 5.2% 5.2%


CEE-LCY 0 0 0

CHF 5,207 4,955 4,855

EUR 45,113 45,492 45,774

USD 149 143 134

Other 962 886 922

Other Austria

Low risk 34,189 32,697 30,027




Gross exposure 38,645 36,931 34,460



NPE ratio 3.5% 4.0% 4.4%


CEE-LCY 0 0 0

CHF 385 350 443

EUR 29,828 27,592 26,164

USD 3,482 4,186 3,523

Other 4,950 4,802 4,330


Low risk 64,539 62,970 62,518


Substandard 2,464 2,215 2,121


Gross exposure 84,612 82,431 81,339



NPE ratio 8.9% 9.3% 9.4%


CEE-LCY 47,469 46,215 45,332

CHF 3,581 3,458 3,407

EUR 32,706 31,936 31,800

USD 741 709 668

Other 114 112 133

Czech Republic

Low risk 31,617 30,467 30,030



Non-performing 1,034 1,013 928

Gross exposure 36,361 34,923 34,286



NPE ratio 2.8% 2.9% 2.7%


CEE-LCY 32,102 31,004 30,361

CHF 6 6 5

EUR 4,089 3,760 3,751

USD 133 122 122

Other 31 31 47

Romania

Low risk 9,521 9,284 9,376




Gross exposure 16,647 16,351 16,048



NPE ratio 19.9% 20.5% 20.8%


CEE-LCY 7,324 7,202 7,206

CHF 0 0 0

EUR 8,890 8,750 8,488

USD 386 357 312

Other 46 42 41

Slovakia

Low risk 10,656 10,410 10,616




Gross exposure 12,235 11,963 12,167



NPE ratio 3.4% 3.3% 3.4%


CEE-LCY 0 0 0

CHF 0 0 0

EUR 12,184 11,896 12,095

USD 25 40 44

Other 26 27 27

Hungary

Low risk 6,118 5,951 5,601







NPE ratio 16.2% 16.9% 18.1%


CEE-LCY 5,089 4,777 4,503

CHF 2,879 2,779 2,738

EUR 1,447 1,447 1,278

USD 17 16 20

Other 1 2 2

Croatia

Low risk 6,138 6,365 6,373







NPE ratio 12.9% 13.9% 14.0%


CEE-LCY 2,672 2,969 2,936

CHF 678 655 646

EUR 5,607 5,584 5,670

USD 165 160 156

Other 10 10 13

Serbia

Low risk 488 494 521


Substandard 14 14 8





NPE ratio 9.3% 9.6% 9.0%


CEE-LCY 282 264 326

CHF 17 17 17

EUR 489 500 518

USD 15 14 13

Other 1 0 1

Q4 13 Q1 14

173,192 175,242

19,969 19,641

4,302 4,641

12,828 12,650

210,291 212,174

8,029 7,953

62.6% 62.9%

6.1% 6.0%

44,172 42,396

11,551 11,876

143,531 146,841

4,790 4,716

6,246 6,345

1,580 1,548

471 460

84 66

270 280

2,405 2,355

173 175

64.1% 62.3%

11.2% 11.9%

390 378

131 128

5 5

63 45

589 555

44 27

69.4% 60.1%

10.7% 8.1%

9,373 9,703

1,763 1,636

451 314

1,702 1,828

13,290 13,482

1,147 1,098

67.4% 60.1%

12.8% 13.6%

3,225 3,190

410 370

96 83

217 212

3,948 3,854

130 126

60.0% 59.4%

5.5% 5.5%

6,878 6,599

1,471 1,510

198 181

1,811 1,712

10,358 10,003

1,110 1,082

61.3% 63.2%

17.5% 17.1%

2,858 2,747

385 473

48 49

600 573

3,892 3,842

331 362

55.1% 63.2%

15.4% 14.9%

7,139 7,381

1,597 1,565

310 290

1,536 1,538

10,583 10,775

943 921

61.4% 59.9%

14.5% 14.3%

4,438 4,301

588 576

73 51

335 328

5,434 5,256

245 228

73.1% 69.5%

6.2% 6.2%

2,318 2,293

908 903

230 253

864 826

4,320 4,275

397 410

46.0% 49.6%

20.0% 19.3%

32,569 34,246

1,694 1,282

49 131

497 365

34,808 36,025

327 302

65.9% 82.8%

1.4% 1.0%

4,722 4,500

329 335

23 95

311 264

5,386 5,194

165 189

52.9% 71.6%

5.8% 5.1%

17,454 17,563

2,720 2,551

556 569

1,244 1,277

21,974 21,961

760 764

61.1% 59.8%

5.7% 5.8%

4,684 4,625

895 1,080

170 188

464 453

6,213 6,346

318 307

68.6% 67.7%

7.5% 7.1%

37,224 37,381

548 567

32 3

22 16

37,827 37,967

20 16

89.8% 104.4%

0.1% 0.0%

2,065 1,936

449 499

62 64

365 355

2,941 2,854

82 121

22.6% 34.1%

12.4% 12.4%

43,383 43,596

6,281 6,322

1,362 1,388

3,408 3,385

54,434 54,692

2,256 2,290

66.2% 67.6%

6.3% 6.2%

472 504

42 191

623 1,053

29 28

1,166 1,776

75 86

258.4% 307.2%

2.5% 1.6%

144,071 143,604

17,981 17,656

3,918 4,260

11,591 11,437

177,560 176,958

7,246 7,174

62.5% 62.7%

6.5% 6.5%

75,710 75,973

8,225 8,865

1,599 2,200

3,289 3,214

88,824 90,252

2,044 2,078

62.2% 64.6%

3.7% 3.6%

29,635 28,122

2,695 2,500

532 557

1,098 1,094

33,959 32,273

765 786

69.7% 71.9%

3.2% 3.4%

10,729 11,262

3,080 2,514

704 440

3,346 3,293

17,860 17,508

2,149 2,013

64.2% 61.1%

18.7% 18.8%

13,640 13,903

879 823

269 307

509 505

15,299 15,538

406 402

79.7% 79.7%

3.3% 3.2%

7,177 7,039

1,334 1,211

292 245

1,671 1,597

10,474 10,091

975 942

58.4% 59.0%

16.0% 15.8%

6,448 6,627

1,440 1,441

476 434

1,538 1,589

9,902 10,092

806 849

52.4% 53.4%

15.5% 15.7%

731 678

327 302

45 77

139 146

1,242 1,203

101 104

72.2% 71.4%

11.2% 12.1%

23,681 25,952

1,195 1,234

296 281

865 894

26,037 28,361

338 340

39.1% 38.0%

3.3% 3.2%

2,867 3,493

153 54

30 25

132 80

3,182 3,653

101 90

76.8% 112.6%

4.1% 2.2%

2,574 2,192

641 697

57 74

240 239

3,511 3,202

168 170

69.9% 71.1%

6.8% 7.5%

1,442 1,383

596 645

57 60

205 214

2,300 2,301

162 164

79.0% 76.6%

8.9% 9.3%

675 473

12 11

0 0

17 15

704 500

2 2

10.4% 13.1%

2.4% 3.0%

67 63

2 15

0 0

3 3

72 82

1 0

26.9% 13.8%

4.6% 4.0%

389 273

30 26

0 14

15 6

435 319

3 3

21.1% 52.2%

3.4% 1.8%

41,264 41,528

4,994 5,025

1,244 1,259

3,487 3,428

50,989 51,240

2,376 2,379

68.2% 69.4%

6.8% 6.7%

22,620 19,549

3,845 3,162

639 485

3,553 2,726

30,657 25,923

2,190 1,641

61.6% 60.2%

11.6% 10.5%

27,428 27,759

429 260

126 171

30 21

28,013 28,211

18 17

61.4% 79.6%

0.1% 0.1%

10,826 12,528

896 1,468

266 162

653 1,467

12,642 15,625

476 948

72.9% 64.6%

5.2% 9.4%

6,309 6,171

1,780 1,522

580 580

2,210 2,163

10,879 10,436

1,217 1,188

55.1% 54.9%

20.3% 20.7%

3,232 3,113

455 429

78 58

189 152

3,955 3,751

129 118

68.4% 77.6%

4.8% 4.0%

17,864 21,724

279 301

30 50

3 3

18,176 22,079

1 1

18.2% 21.2%

0.0% 0.0%

1,197 725

620 589

317 779

22 20

2,156 2,114

8 18

33.8% 89.0%

1.0% 1.0%

102,356 105,738

10,902 11,078

2,015 2,140

5,603 5,492

120,876 124,448

3,294 3,290

58.8% 59.9%

4.6% 4.4%

0 0

0 0

8,347 8,761

103,091 105,758

3,788 4,015

5,650 5,914

31,423 31,602

2,447 2,592

400 453

1,143 1,058

35,413 35,706

719 714

62.9% 67.4%

3.2% 3.0%

0 0

0 0

2,729 2,679

32,378 32,739

69 62

237 226

42,451 42,145

6,670 6,885

1,022 1,095

2,681 2,671

52,824 52,796

1,614 1,643

60.2% 61.5%

5.1% 5.1%

0 0

0 0

4,638 4,458

47,160 47,298

135 132

892 908

28,482 31,991

1,785 1,601

593 591

1,778 1,763

32,638 35,946

961 933

54.0% 52.9%

5.4% 4.9%

0 0

0 0

980 1,624

23,553 25,720

3,584 3,820

4,521 4,781

62,162 61,282

8,355 7,855

1,969 1,700

7,202 7,117

79,688 77,954

4,727 4,607

65.6% 64.7%

9.0% 9.1%

0 0

44,171 42,381

3,157 3,063

31,559 31,752

688 611

113 147

30,174 28,587

2,353 2,297

464 451

874 860

33,865 32,194

681 697

77.9% 81.1%

2.6% 2.7%

0 0

29,925 28,144

5 6

3,757 3,865

131 124

47 56

8,979 9,465

2,624 2,379

659 402

3,168 3,114

15,431 15,359

2,079 1,934

65.6% 62.1%

20.5% 20.3%

0 0

7,045 7,238

0 0

8,072 7,831

283 229

31 61

11,015 11,278

661 636

245 279

453 458

12,374 12,651

365 368

80.4% 80.3%

3.7% 3.6%

0 0

0 0

0 0

12,297 12,576

56 56

20 19

5,064 4,940

1,111 963

235 220

1,425 1,358

7,834 7,481

890 846

62.5% 62.3%

18.2% 18.2%

0 0

3,996 3,808

2,540 2,453

1,244 1,181

53 39

2 1

6,402 6,503

1,365 1,350

357 336

1,195 1,228

9,319 9,417

644 686

53.9% 55.9%

12.8% 13.0%

0 0

2,894 2,901

595 586

5,671 5,769

147 152

12 9

528 509

241 232

10 11

86 99

865 851

67 75

77.9% 76.2%

10.0% 11.6%

0 0

312 290

17 18

516 531

18 11

2 1

Local entity data (IFRS, consolidated)

in EUR million

Česká spořitelna Group

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Slovenská sporiteľňa Group

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Banca Comercială Română Group

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Erste Bank Hungary Group

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Erste Bank Croatia Group

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Erste Bank Serbia

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Erste Bank Oesterreich & Subsidiaries

Income statement

Net interest income


Dividend income




Personnel expenses








Taxes on income






Balance sheet

Assets



Derivatives











Intangible assets


Current tax assets

Deferred tax assets


Other assets

Total assets



Derivatives



Deposits from banks


Debt securities



Deposits from banks


Debt securities




Provisions




Other liabilities

Total equity




Q1 13 Q2 13 Q3 13 Q4 13 Q1 14

270.3 262.1 263.9 253.1 244.5

114.7 108.1 105.7 106.5 101.6

0.0 1.7 0.2 0.1 0.4

17.9 24.6 21.7 20.0 21.5

0.0 0.0 0.0 0.0 0.0

8.6 8.1 7.7 7.5 8.0

-92.8 -89.5 -84.0 -80.8 -77.6

-69.9 -71.0 -76.5 -69.3 -66.3

-22.7 -22.3 -22.3 -20.7 -20.8

6.5 -0.6 -2.6 4.9 4.2

-36.8 -41.3 -34.8 -27.3 -35.6

9.0 11.0 -19.0 0.6 2.3

0.0 0.0 0.0 0.0 0.0

205.0 190.8 159.8 194.6 182.2

-40.6 -38.3 -31.6 -39.9 -36.2

164.4 152.6 128.2 154.7 146.0

0.0 0.0 0.0 0.0 0.0

164.4 152.6 128.2 154.7 146.0

0.0 -0.4 -0.1 0.1 0.3

164.4 152.9 128.3 154.7 145.8

1,067.2 1,881.4 2,082.5 2,828.6 2,694.5

2,874.8 2,622.3 2,298.9 1,739.8 1,514.4

964.2 793.3 790.3 771.8 790.1

1,910.5 1,829.0 1,508.6 968.0 724.3

274.5 256.9 200.1 154.0 153.2

1,737.8 1,718.4 2,110.4 3,000.5 2,388.3

7,130.5 6,300.9 5,665.8 5,641.2 5,185.5

2,925.3 2,417.5 2,348.0 2,747.2 2,078.7

18,483.1 18,398.5 18,634.0 17,836.2 17,907.5

40.7 36.5 42.6 34.5 32.6

0.0 0.0 0.0 0.0 0.0

558.9 550.3 547.3 516.5 506.9

368.3 329.3 312.1 303.7 303.1

118.7 115.6 119.2 121.5 116.5

8.1 8.8 6.9 1.2 1.2

6.8 10.3 6.6 3.7 4.8

4.7 4.6 4.6 4.6 5.5

0.0 0.0 0.0 0.0 0.0

2,458.0 2,274.0 2,285.5 386.9 411.6

38,057.4 36,925.4 36,664.6 35,320.1 33,304.3

1,015.2 854.5 827.6 875.9 900.4

1,015.0 854.3 827.3 875.9 900.4

0.3 0.2 0.3 0.0 0.0

663.3 597.0 569.1 526.3 509.1

0.0 0.0 0.0 0.0 0.0

591.8 527.0 498.2 460.0 448.8

71.5 70.0 70.9 66.3 60.3

0.0 0.0 0.0 0.0 0.0

30,131.5 29,414.5 29,027.3 29,739.3 27,495.5

2,117.4 2,062.1 1,577.6 2,662.9 2,263.2

26,629.5 26,123.4 26,195.4 26,031.9 24,277.4

1,384.6 1,229.0 1,254.3 1,044.4 954.8

0.0 0.0 0.0 0.0 0.0

8.9 9.6 9.1 15.4 18.5

0.0 0.0 0.0 0.0 0.0

103.1 94.3 94.4 94.6 90.1

11.4 3.1 5.4 15.1 18.0

10.5 13.2 10.4 3.7 8.8

0.0 0.0 0.0 0.0 0.0

2,331.4 2,346.3 2,359.6 368.2 440.5

3,781.8 3,592.9 3,761.8 3,681.7 3,823.5

3.6 1.0 1.0 11.5 11.8

3,778.1 3,591.9 3,760.8 3,670.2 3,811.7

38,057.0 36,925.5 36,664.6 35,320.1 33,304.3

109.2 112.0 115.3 111.5 111.9

29.1 29.3 28.6 30.5 29.9

0.0 0.2 0.1 0.0 0.3

1.4 2.7 3.9 3.7 2.7

0.3 1.0 0.7 0.8 0.7

0.4 0.5 0.5 0.5 0.4

-28.1 -29.8 -29.2 -31.8 -29.6

-18.9 -20.7 -21.1 -22.4 -24.0

-12.3 -12.0 -12.0 -12.3 -11.9

0.0 0.5 0.2 1.3 0.0

-14.3 -9.3 -6.0 -17.7 -12.7

-14.6 -11.7 -12.7 -8.2 -11.0

-10.5 -10.5 -10.1 -10.1 -10.3

52.3 62.8 68.4 55.9 56.8

-10.2 -13.3 -16.4 -14.1 -13.6

42.1 49.5 52.0 41.8 43.2

0.0 0.0 0.0 0.0 0.0

42.1 49.5 52.0 41.8 43.2

0.2 0.1 0.3 -0.2 0.2

41.9 49.4 51.7 42.0 43.1

358.3 311.0 303.4 330.0 279.0

63.4 63.0 58.8 50.7 53.5

63.4 63.0 58.8 50.7 53.5

0.0 0.0 0.0 0.0 0.0

29.5 30.9 31.2 31.2 27.2

1,356.7 921.6 922.4 859.4 888.3

2,583.4 2,745.3 2,775.9 2,764.9 2,832.7

188.2 69.4 39.5 80.1 38.2

6,889.2 6,919.6 6,977.7 7,161.2 7,294.5

6.6 6.0 5.1 5.1 6.1

22.1 0.0 0.0 0.0 0.0

226.3 221.7 215.2 210.2 204.1

2.9 2.8 2.8 2.8 3.4

99.3 96.2 95.3 97.2 94.9

25.5 23.4 24.0 24.8 25.4

18.3 0.0 0.0 0.0 0.0

59.0 56.9 56.5 36.6 35.1

0.0 0.0 0.0 0.0 0.0

43.4 59.8 69.4 44.8 22.8

11,972.0 11,527.6 11,577.0 11,699.0 11,805.1

67.0 66.4 61.6 52.0 54.8

67.0 66.4 61.6 52.0 54.8

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

10,476.7 10,094.0 10,070.9 10,212.2 10,216.2

878.0 812.4 726.0 424.4 349.3

8,938.9 8,600.8 8,673.2 9,090.6 9,125.9

659.7 680.8 671.7 697.2 741.0

0.0 0.0 0.0 0.0 0.0

21.7 17.6 17.8 18.2 19.7

6.5 0.0 0.0 0.0 0.0

27.7 25.1 26.1 23.9 24.1

0.0 8.3 16.5 2.6 6.8

0.0 0.0 0.0 0.3 0.3

0.0 0.0 0.0 0.0 0.0

127.3 129.4 144.1 98.7 143.7

1,245.1 1,186.8 1,240.1 1,291.2 1,339.5

3.0 3.1 3.4 3.2 3.4

1,242.1 1,183.7 1,236.7 1,288.0 1,336.1

11,972.0 11,527.6 11,577.0 11,699.0 11,805.1

164.3 160.4 156.4 147.7 143.1

36.0 38.2 42.6 52.3 39.1

0.0 2.3 0.0 0.0 0.0

26.0 24.5 26.1 23.2 19.6

0.0 0.0 0.0 0.8 0.2

0.9 1.5 1.3 1.3 1.2

-44.8 -41.9 -43.9 -42.6 -39.1

-36.8 -36.3 -35.4 -38.2 -31.1

-12.7 -13.0 -12.5 -11.3 -10.3

0.0 0.0 0.5 2.7 0.1

-114.9 -114.7 -116.8 -107.9 -110.3

-22.7 -15.9 -13.4 -19.0 -5.3

0.0 0.0 0.0 0.0 0.0

-4.8 5.1 5.0 9.1 7.3

2.4 124.9 -4.3 -1.8 -7.1

-2.3 130.0 0.7 7.3 0.2

0.0 0.0 0.0 0.0 0.0

-2.3 130.0 0.7 7.3 0.2

0.5 0.5 0.4 0.4 0.4

-2.8 129.5 0.3 6.9 -0.2

2,117.5 2,083.4 1,958.4 2,151.8 1,712.9

93.6 113.3 51.8 83.6 92.2

20.7 13.3 11.0 9.6 11.1

72.9 100.0 40.8 74.0 81.1

10.3 9.2 7.6 7.7 7.2

906.6 960.7 1,015.8 1,167.5 1,845.3

2,351.7 2,345.3 2,562.9 2,289.3 2,172.3

110.8 81.9 80.8 96.7 48.2

9,726.8 9,368.6 8,898.9 8,445.2 8,223.0

7.1 6.3 8.5 8.8 14.5

0.0 0.0 0.0 0.0 0.0

364.2 352.0 345.1 335.8 332.7

10.2 10.0 10.0 9.9 9.8

93.5 89.1 86.6 86.6 83.9

0.0 16.1 15.7 17.0 3.4

40.2 0.2 18.3 20.0 20.0

7.7 78.7 73.6 70.5 65.5

13.8 13.1 12.8 24.0 20.1

117.8 102.8 120.2 110.5 106.1

15,971.6 15,630.7 15,266.9 14,924.8 14,757.0

17.7 18.1 14.7 14.8 10.3

17.7 18.1 14.7 14.8 10.3

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

13,842.3 13,558.9 13,121.5 12,816.9 12,655.2

5,023.0 5,005.9 4,433.0 4,087.4 3,966.7

8,468.3 8,217.8 8,350.7 8,387.4 8,379.8

351.0 335.1 337.8 342.2 306.4

0.0 0.0 0.0 0.0 2.3

321.4 233.1 233.1 243.2 238.3

0.0 0.0 0.0 0.0 0.0

97.4 82.9 85.9 89.3 89.1

0.6 0.6 0.8 0.5 0.4

55.8 2.6 1.7 0.9 1.0

0.0 0.0 0.0 0.0 0.0

98.3 84.3 155.5 99.8 103.5

1,538.2 1,650.2 1,653.7 1,659.5 1,659.3

4.8 5.2 5.8 6.3 6.5

1,533.4 1,645.0 1,647.9 1,653.3 1,652.8

15,971.6 15,630.7 15,266.9 14,924.8 14,757.0

78.3 78.0 80.2 72.0 70.5

27.9 31.3 32.9 39.6 33.6

0.0 0.0 0.0 0.0 0.0

2.0 -3.9 2.0 3.9 -5.7

0.0 0.0 0.0 0.0 0.0

0.1 0.0 0.1 0.4 0.3

-22.4 -22.2 -22.4 -21.5 -20.8

-19.1 -17.3 -18.0 -17.8 -16.8

-4.3 -4.5 -4.5 -6.1 -4.6

0.0 0.0 0.0 0.0 0.0

-57.7 -52.7 -45.3 -45.6 -44.8

-21.7 -72.3 -16.6 -26.1 -61.6

-26.8 -53.5 -10.6 -12.4 -59.1

-16.8 -63.6 8.4 -1.1 -49.8

-3.6 -4.5 -3.2 0.5 -3.9

-20.5 -68.1 5.2 -0.6 -53.7

0.0 0.0 0.0 0.0 0.0

-20.5 -68.1 5.2 -0.6 -53.7

0.0 0.0 0.0 0.0 0.0

-20.5 -68.1 5.2 -0.6 -53.7

219.0 179.6 216.5 183.8 268.3

1,431.0 1,474.4 1,353.0 1,106.4 1,055.3

45.2 36.2 19.0 24.4 25.8

1,385.8 1,438.3 1,334.0 1,082.0 1,029.5

0.0 0.0 0.0 0.0 0.0

610.0 84.9 0.2 235.6 292.9

1,212.7 1,419.8 1,297.8 834.8 736.3

401.6 395.2 519.0 445.0 415.0

5,097.4 4,950.3 4,826.2 4,581.1 4,341.4

0.1 0.9 0.1 0.7 0.7

0.0 0.0 0.0 0.0 0.0

36.6 37.4 35.9 36.3 34.5

0.0 0.0 0.0 10.2 9.6

46.3 47.7 47.6 47.0 45.6

0.0 3.0 2.9 2.9 2.8

2.5 9.8 1.6 0.9 2.3

0.2 0.1 0.1 0.2 0.3

2.5 1.8 1.1 0.5 0.2

188.6 189.8 167.0 146.1 161.2

9,248.3 8,794.8 8,468.9 7,631.6 7,366.4

53.1 40.1 37.1 37.8 55.8

45.4 29.3 30.6 33.1 45.5

7.7 10.8 6.4 4.7 10.3

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

8,393.9 7,972.2 7,682.9 6,885.2 6,627.6

3,631.5 3,325.9 2,878.3 2,751.4 2,875.7

4,753.3 4,634.2 4,557.6 4,093.1 3,702.3

9.1 12.1 247.0 40.7 49.6

0.0 0.0 0.0 0.0 0.0

8.7 0.9 8.9 7.0 10.8

0.0 0.0 0.0 0.0 0.0

13.1 15.7 20.6 17.5 17.1

3.3 14.6 10.6 0.5 0.0

4.1 3.2 2.5 0.0 0.0

0.0 0.0 0.0 0.0 0.0

100.5 127.4 89.9 64.8 103.2

671.6 620.8 616.4 618.7 551.8

0.0 0.0 0.0 0.0 0.0

671.6 620.8 616.4 618.7 551.8

9,248.3 8,794.8 8,468.9 7,631.6 7,366.4

66.5 67.2 64.6 67.0 67.4

14.3 16.9 22.9 18.4 18.3

0.1 0.0 0.3 0.0 0.0

4.5 5.6 6.5 3.8 3.8

0.2 0.4 -0.1 -0.1 0.5

0.0 0.1 0.1 0.1 8.2

-16.0 -16.6 -16.7 -16.2 -17.2

-16.1 -17.1 -16.0 -19.1 -17.7

-3.5 -3.6 -3.7 -3.9 -9.8

0.2 0.0 0.0 0.0 0.0

-30.7 -42.1 -42.3 -44.1 -39.7

0.3 -1.1 -3.8 -12.3 -0.5

0.0 0.0 0.0 0.0 0.0

19.6 9.8 11.9 -6.5 13.3

-3.9 -2.4 -1.9 0.0 -2.3

15.7 7.4 10.0 -6.5 11.0

0.0 0.0 0.0 0.0 0.0

15.7 7.4 10.0 -6.5 11.0

0.6 0.6 0.5 0.7 1.8

15.0 6.8 9.5 -7.1 9.2

480.6 420.6 468.0 505.0 448.6

47.4 78.7 63.6 51.1 48.9

11.8 47.4 11.5 11.3 10.2

35.6 31.3 52.1 39.8 38.8

0.0 0.0 0.0 0.0 0.0

876.0 899.5 813.1 834.4 868.3

106.4 112.3 123.7 100.6 106.5

916.5 1,000.0 1,132.1 989.5 1,003.3

5,934.8 6,074.0 6,090.0 6,140.8 6,170.5

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

92.2 92.3 87.9 87.2 178.6

2.0 2.8 2.7 2.7 2.8

94.3 99.9 97.5 97.7 96.2

9.2 9.2 8.6 5.1 5.8

4.4 4.4 3.4 11.5 15.6

22.6 26.1 28.9 25.0 27.7

0.0 0.0 0.0 0.0 0.0

32.3 35.6 35.7 45.9 62.8

8,618.5 8,855.3 8,955.3 8,896.6 9,035.7

9.5 14.2 31.8 11.6 16.4

9.5 14.2 31.8 11.6 16.4

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

7,556.3 7,771.1 7,874.3 7,828.5 7,919.9

3,120.6 3,141.7 3,186.3 3,102.6 3,239.7

4,311.7 4,504.0 4,566.8 4,603.9 4,556.3

124.0 125.5 121.2 122.1 123.8

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

17.3 17.8 18.8 27.6 31.4

2.1 1.6 1.6 2.2 2.0

2.3 2.0 1.8 1.5 1.2

0.0 0.0 0.0 0.0 0.0

54.0 55.2 58.8 58.9 72.3

977.0 993.4 968.1 966.3 992.4

5.7 5.6 6.0 6.6 21.3

971.2 987.8 962.2 959.7 971.1

8,618.5 8,855.3 8,955.3 8,896.6 9,035.7

10.3 9.8 9.9 10.2 9.2

2.9 3.3 3.5 3.7 3.1

0.0 0.0 0.0 0.0 0.0

0.5 0.7 0.6 0.7 0.6

0.0 0.0 0.0 0.0 0.1

0.0 0.0 0.0 0.0 0.0

-4.2 -4.3 -4.1 -4.4 -4.3

-4.1 -4.5 -4.2 -4.5 -4.5

-0.5 -0.5 -0.5 -0.6 -0.6

0.0 0.0 0.0 0.0 0.0

-1.9 -2.8 -2.2 -2.7 -2.7

-0.3 0.4 0.0 -0.1 -0.2

0.0 0.0 0.0 0.0 0.0

2.7 2.1 2.8 2.4 0.7

-0.2 0.0 0.0 -1.2 0.6

2.4 2.1 2.8 1.2 1.3

0.0 0.0 0.0 0.0 0.0

2.4 2.1 2.8 1.2 1.3

0.0 0.0 0.0 0.0 -0.1

2.4 2.1 2.8 1.2 1.5

149.7 115.4 113.1 140.2 171.4

2.0 1.2 5.5 15.4 35.7

0.0 0.0 0.0 0.0 0.1

2.0 1.2 5.5 15.4 35.6

0.0 0.0 0.0 0.0 0.0

11.2 18.8 14.4 15.3 20.7

51.9 58.4 56.8 53.3 64.8

72.1 58.0 117.3 115.4 59.6

516.3 501.4 511.9 496.5 493.7

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

6.2 6.2 6.1 6.2 6.1

0.0 0.0 0.0 0.0 0.0

2.9 2.7 2.4 3.6 3.3

0.0 0.0 0.0 0.0 0.8

0.0 0.0 0.0 0.0 0.2

1.5 1.5 1.5 0.3 0.9

0.0 0.0 0.0 0.0 0.0

2.8 2.9 3.6 2.8 3.4

816.7 766.5 832.6 849.0 860.7

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

683.5 632.1 697.7 715.2 722.0

51.5 57.7 36.5 81.8 99.1

597.9 541.0 628.6 601.3 609.9

34.1 33.4 32.6 32.2 13.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

4.0 3.5 3.4 3.6 3.8

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

7.5 9.3 8.4 5.7 7.7

121.6 121.7 123.1 124.4 127.2

0.0 0.0 0.0 0.0 0.5

121.6 121.7 123.1 124.4 126.7

816.7 766.5 832.6 849.0 860.7

74.0 76.6 80.2 81.9 85.5

64.2 61.0 62.0 65.9 67.1

3.3 11.4 1.6 46.8 1.2

5.2 0.0 0.3 1.6 0.6

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

-54.4 -55.8 -47.5 -54.3 -47.6

-38.6 -35.0 -38.3 -35.3 -39.9

-2.2 -2.2 -2.0 -3.3 -2.3

0.4 -0.1 0.3 0.0 0.0

4.0 -36.6 -4.5 -24.0 -19.4

-3.9 -0.7 -1.8 -5.9 -5.5

-1.8 -1.8 -1.8 -1.8 -1.5

51.9 18.6 50.1 73.5 39.5

-12.2 -1.9 -12.2 -6.5 -9.6

39.7 16.7 37.9 67.0 29.9

0.0 0.0 0.0 0.0 0.0

39.7 16.7 37.9 67.0 29.9

0.0 0.0 0.0 0.0 0.0

39.7 16.7 37.9 67.0 29.9

206.3 253.7 207.3 551.3 2,660.0

202.4 183.0 167.6 165.5 166.9

202.4 183.0 167.6 165.5 166.9

0.0 0.0 0.0 0.0 0.0

14.6 14.5 14.6 14.5 14.5

1,413.1 1,407.1 1,255.4 1,247.8 1,266.0

524.0 517.9 532.6 559.0 557.0

6,436.7 6,251.2 5,795.2 5,666.4 3,252.3

13,217.3 13,309.9 13,531.4 13,187.1 13,332.8

32.2 22.4 21.1 23.2 38.6

0.0 0.0 0.0 0.0 0.0

16.5 15.8 15.1 13.9 13.3

0.4 0.0 0.0 0.0 0.0

30.7 31.0 33.3 36.9 35.7

1,150.8 1,144.0 1,141.9 1,136.5 1,136.5

0.0 0.4 0.4 0.0 15.3

36.3 42.0 29.5 54.2 36.6

0.0 0.0 0.0 0.0 0.0

132.4 187.3 125.9 132.2 116.7

23,413.6 23,380.2 22,871.3 22,788.7 22,642.1

176.5 156.0 147.4 141.8 149.3

176.5 156.0 147.4 141.8 149.3

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

21,533.6 21,615.0 21,036.1 20,819.6 20,263.0

3,001.1 2,713.5 2,677.7 2,559.9 3,200.6

18,031.0 18,400.3 17,857.1 17,760.4 16,568.1

501.5 501.2 501.3 499.3 494.3

0.0 0.0 0.0 0.0 0.0

86.7 86.7 79.1 69.5 78.6

0.0 0.0 0.0 0.0 0.0

58.7 56.5 55.9 68.4 67.9

0.0 0.0 0.0 0.0 2.7

0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0

468.9 382.7 430.8 490.6 828.1

1,089.2 1,083.3 1,121.9 1,198.7 1,252.5

0.0 0.0 0.0 0.0 0.0

1,089.2 1,083.3 1,121.9 1,198.7 1,252.5

23,413.6 23,380.2 22,871.3 22,788.7 22,642.1

IR Tab Q114 EG Fin Data Sheets

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