Provisions for risks and charges and integration costs

Provisions for risks and charges and integration costs: Provisions for risks and charges made in 2006 totalled € 111 m (2005: € 11 m), with pending legal risks associated with business transactions in previous years accounting for most of this figure. Integration costs were € 248 m (2005: € 108 m), comprising current integration costs (€ 17 m) and the restructuring provisions of € 231 m referred to above, of which € 201 m relates to projects for enhancing profitability in the Austrian business and the remaining part relates to the spin-off of MIB activities to a wholly-owned subsidiary of BA-CA AG.