Income Statement

Net trading result

–1.8

22.8

10.4

21.0

5.4

3.0

4.2

5.7

0.3

–1.9

3.3

8.3

50.4

7.4

6.8

4.6

0.6

0.2

6.0

1.3

85.6

72.3

General administrative expenes

–345.7

–381.1

–103.3

–93.4

–93.0

–86.1

–27.8

–26.8

–28.6

–22.9

–34.3

–65.0

–86.5

–43.3

–60.1

–57.1

–35.6

–20.8

–25.7

–6.4

–840.7

–802.8

Operating profit

328.0

326.7

93.5

90.6

112.1

76.7

23.2

22.1

14.3

14.0

26.9

50.9

55.7

45.0

33.0

20.7

2.1

5.2

14.8

2.3

703.6

654.1

Net income from investments

8.4

–1.5

–1.1

3.9

–1.7

2.0

2.0

0.4

0.5

0.3

–

–0.2

–0.2

1.4

4.1

0.1

0.4

–

–

–

12.3

6.5

Balance of other income and expenses

–1.3

–1.1

–

–

0.4

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–1.0

–1.1

Provision for restructuring

–

–

–

–

–0.9

–

–3.7

–1.5

–

–

–

–

–

–

–3.3

–5.7

–

–

–

–

–8.0

–7.2

Average shareholders’ equity

1,377.7

1,528.2

453.2

438.8

587.7

479.2

221.5

201.3

143.4

118.9

137.5

234.4

267.0

131.4

153.9

124.7

72.5

42.9

80.0

11.7

3,494.6

3,311.5

Cost /income ratio (in %)

47.3

49.4

49.1

47.7

43.9

50.9

50.2

52.3

59.6

58.1

59.1

55.8

53.9

44.9

53.7

62.7

72.4

72.7

56.7

73.6

50.0

51.2

Return on equity (pre-tax) (in %)⁵⁾

24.3

21.1

20.4

21.6

18.7

16.5

9.7

10.5

10.3

12.1

21.7

20.8

35.4

22.0

12.1

3.4

12.0

18.5

19.8

20.2

19.7

Exchange rate

3.910

4.027

263.247

248.394

28.322

29.846

37.149

38.590

239.588

239.579

7.310

7.400

3.525

3.648

1.956

1.956

1.955

1.956

84.210

82.977

Appreciation / depreciation against the euro

+3 %

–6 %

+5 %

+4 %

0 %

+1 %

+3 %

0 %

0 %

–1 %

in local currency

POLAND¹⁾
(PLN M)

HUNGARY
(HUF M)

CZECH. REP.²⁾
(CZK M)

SLOVAKIA
(SKK M)

SLOVENIA
(SIT M)

CROATIA³⁾
(HRK M)

ROMANIA
(RON M)

BULGARIA
(BGN M)

BOSNIA
(BAM M)

SERBIA⁴⁾
(CSD M)

2006

2005

2006

2005

2006

2005

2006

2005

2006

2005

2006

2005

2006

2005

2006

2005

2006

2005

2006

2005

Net interest income

1,795

1,975

34,672

28,726

3,607

2,960

1,344

1,224

7,739

6,963

316

627

262

–

143

121

64

39

2,518

458

Losses on loans and advances

–224

–255

–3,596

–2,920

–188

–193

–164

–93

–1,223

–611

23

–4

–64

–

–37

–26

–23

–5

–407

–

Net fee and commission income

1,098

1,023

18,276

14,806

2,275

2,061

559

539

3,525

2,931

123

225

148

–

64

52

32

18

821

175

Net trading result

–7

92

2,745

5,225

153

90

157

218

66

–462

24

61

178

–

13

9

1

–

508

109

General administrative expenes

–1,352

–1,535

–27,198

–23,196

–2,634

–2,569

–1,034

–1,036

–6,855

–5,475

–251

–481

–305

–

–118

–112

–70

–41

–2,166

–530

Balance of other operating income and expenses

–27

16

–293

–138

–37

–58

–

–

174

–2

–39

–52

–22

–

–2

–4

–

–1

–26

–23

Operating profit

1,283

1,316

24,605

22,503

3,175

2,290

863

852

3,427

3,344

197

376

196

–

65

40

4

10

1,248

190

Net income from investments

33

–6

–291

970

–49

59

73

15

109

83

–

–2

–1

–

8

–

1

–

1

–

Amortisation of goodwill

–

–11

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

Balance of other income and expenses

–5

–4

–

–

11

–

–

–

–

–

–

–

–

–

–

–

–

–

–1

1

Provision for restructuring

–

–

–

–

–27

–

–137

–57

–

–

–

–

–

–

–7

–11

–

–

–

–

Profit from ordinary activities / Net income before taxes

1,310

1,294

24,314

23,473

3,110

2,349

800

811

3,536

3,427

197

375

195

–

66

30

5

10

1,248

191

Average risk-weighted assets

31,514

29,882

833,996

687,511

124,182

110,149

31,369

34,365

249,571

222,458

14,294

7,421

–

2,147

1,728

1,187

629

77,031

11,678

Average shareholders’ equity

5,387

6,154

119,310

108,991

16,646

14,301

8,228

7,770

34,359

28,489

1,735

941

–

301

244

142

84

6,735

968