| Download table (.xls) |
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€ M |
Q1 2006 |
Q2 2006 |
Q3 2006 |
Q4 2006 |
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Net interest |
599 |
602 |
627 |
627 |
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Dividend income |
15 |
47 |
62 |
6 |
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Income from investments in companies valued at equity |
19 |
17 |
18 |
42 |
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Net interest income |
633 |
666 |
707 |
675 |
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Net fee and commission income |
416 |
457 |
413 |
381 |
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Net trading income |
166 |
94 |
55 |
34 |
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Net other operating income / expenses |
5 |
14 |
25 |
22 |
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TOTAL REVENUES |
1,221 |
1,231 |
1,199 |
1,111 |
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OPERATING EXPENSES |
–699 |
–706 |
–699 |
–653 |
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OPERATING PROFIT |
522 |
525 |
500 |
458 |
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Provisions for risks and charges |
–2 |
0 |
–4 |
–105 |
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Goodwill impairment |
0 |
–8 |
0 |
0 |
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Net writedowns of loans and provisions for guarantees and commitments |
–108 |
–87 |
–197 |
–287 |
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Net income from investments |
10 |
698 |
6 |
1,600 |
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Integration costs |
0 |
0 |
0 |
–248 |
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PROFIT BEFORE TAX |
421 |
1,128 |
305 |
1,418 |
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Income tax |
–80 |
–84 |
–51 |
75 |
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NET PROFIT |
341 |
1,044 |
254 |
1,493 |
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Minority interests |
–34 |
–36 |
–37 |
–4 |
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CONSOLIDATED PROFIT |
308 |
1,008 |
217 |
1,489 |
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Key figures |
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Q1 2006 |
Q2 2006 |
Q3 2006 |
Q4 2006 |
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ROE before tax |
22.3 % |
56.8 % |
14.6 % |
61.9 % |
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ROE after tax |
17.9 % |
55.3 % |
11.2 % |
68.4 % |
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Cost / income ratio |
57.3 % |
57.3 % |
58.3 % |
58.8 % |
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Risk / earnings ratio |
17.1 % |
13.0 % |
27.9 % |
42.5 % |