|
2000
EUR 1,000
|
2001
EUR 1,000
|
2002
EUR 1,000
|
2003
EUR 1,000
|
2004
EUR1,000
|
2005
EUR1,000
|
2006
EUR1,000
|
2007
EUR1,000
|
2008
EUR1,000
|
2009*
EUR1,000
|
2010
EUR 1,000
|
|
Interest income
|
|
121,046
|
138,621
|
99,220
|
84,889
|
86,117
|
88,603
|
143,057
|
287,744
|
481,270
|
265,865
|
211,280
|
|
|
Interest expenses
|
|
63,329
|
64,538
|
35,324
|
27,682
|
29,165
|
24,583
|
54,324
|
160,580
|
318,898
|
157,172
|
109,206
|
|
|
Net interest income before provisions
|
|
57,717
|
74,083
|
63,896
|
57,207
|
56,952
|
64,020
|
88,733
|
127,164
|
162,372
|
108,693
|
102,074
|
|
|
Provision for possible loan losses
|
|
-1,966
|
-2,074
|
-2,037
|
35
|
-290
|
-1,418
|
-3,377
|
-1,947
|
-1,172
|
1,299
|
-255
|
|
|
Net interest income after provisions
|
|
55,751
|
72,009
|
61,859
|
57,242
|
56,662
|
62,602
|
85,356
|
125,217
|
161,200
|
109,992
|
101,819
|
|
|
Commission income
|
|
192,656
|
96,957
|
79,024
|
96,686
|
101,657
|
116,311
|
164,291
|
185,595
|
169,120
|
248,539
|
281,227
|
|
|
Commission expenses
|
|
1,793
|
3,939
|
1,882
|
13,579
|
14,564
|
17,278
|
27,726
|
32,871
|
30,679
|
99,782
|
108,455
|
|
|
Net commission income
|
|
190,863
|
93,018
|
77,142
|
83,107
|
87,093
|
99,033
|
136,565
|
152,724
|
138,441
|
148,757
|
172,772
|
|
|
Result from hedge accounting
|
|
0
|
0
|
0
|
0
|
0
|
-40
|
-45
|
56
|
-133
|
0
|
-22
|
|
|
Trading result
|
|
-133
|
-29
|
-285
|
0
|
0
|
0
|
-317
|
-519
|
540
|
836
|
0
|
|
|
Result from financial investments
|
|
0
|
344
|
1,200
|
4,760
|
3,858
|
6,751
|
-6,327
|
-9,624
|
-18,261
|
20,850
|
9,919
|
|
|
Administrative expenses
|
|
220,951
|
224,317
|
138,138
|
112,494
|
103,559
|
119,330
|
135,626
|
187,437
|
208,748
|
198,918
|
210,028
|
|
|
Personnel expenses
|
|
43,513
|
51,432
|
38,721
|
31,673
|
28,801
|
29,612
|
33,069
|
39,677
|
43,598
|
62,341
|
62,563
|
|
|
Other administrative expenses
|
|
159,162
|
144,179
|
76,157
|
64,297
|
63,240
|
80,323
|
92,828
|
137,626
|
155,576
|
124,201
|
133,404
|
|
|
Marketing costs 1)
|
|
59,148
|
55,356
|
14,530
|
12,364
|
16,460
|
33,662
|
40,320
|
74,268
|
79,798
|
41,441
|
53,021
|
|
|
Communication expenses
|
|
19,929
|
16,552
|
10,792
|
4,042
|
2,045
|
1,909
|
2,104
|
5,277
|
5,897
|
7,022
|
4,353
|
|
|
Consulting expenses
|
|
22,105
|
12,510
|
8,956
|
9,396
|
9,550
|
8,507
|
10,357
|
12,754
|
13,831
|
11,702
|
7,334
|
|
|
Expenses for external services
|
|
38,675
|
28,992
|
23,477
|
17,942
|
18,804
|
19,827
|
21,323
|
22,629
|
29,048
|
25,435
|
30,258
|
|
|
Sundry operating expenses
|
|
19,305
|
30,769
|
18,402
|
20,553
|
16,381
|
16,418
|
18,724
|
22,698
|
27,002
|
38,601
|
38,438
|
|
|
Depreciation on office furniture and equipment and intangible assets
|
|
18,276
|
28,706
|
23,260
|
16,524
|
11,518
|
9,395
|
9,729
|
10,134
|
9,574
|
12,376
|
14,061
|
|
|
Other operating result
|
|
35
|
6,659
|
2,917
|
6,487
|
7,036
|
3,764
|
5,994
|
10,063
|
4,721
|
3,421
|
6,414
|
|
|
Operating result
|
|
25,565
|
-52,316
|
4,695
|
39,102
|
51,090
|
52,780
|
85,600
|
90,480
|
77,760
|
84,938
|
80,874
|
|
|
Extraordinary result and restructuring costs
|
|
0
|
-98,264
|
-23,295
|
0
|
0
|
0
|
0
|
0
|
0
|
8,945
|
0
|
|
|
Pre-tax profit/loss / Profit from ordinary activities
|
|
25,565
|
-150,580
|
-18,600
|
39,102
|
51,090
|
52,780
|
85,600
|
90,480
|
77,760
|
75,993
|
80,874
|
|
|
Taxes on income
|
|
23,371
|
10,077
|
-8,836
|
15,741
|
17,121
|
18,593
|
28,598
|
32,783
|
20,068
|
19,369
|
21,240
|
|
|
After-tax profit/loss
|
|
2,194
|
-160,657
|
-9,764
|
23,361
|
33,969
|
34,187
|
57,002
|
57,697
|
57,692
|
56,624
|
59,634
|
|
|
Profit/loss attributable to minority interests
|
|
484
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
Net profit/loss 2)
|
|
2,678
|
-160,657
|
-9,764
|
23,361
|
33,969
|
34,187
|
57,002
|
57,697
|
57,692
|
56,624
|
59,634
|
|
|
Earnings per share
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Undiluted earnings per share
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net profit
|
|
2,678
|
-160,657
|
-9,764
|
23,361
|
33,969
|
34,187
|
57,002
|
57,697
|
57,692
|
56,624
|
59,634
|
|
|
Average number of ordinary shares
|
|
104,959,016
|
140,500,000
|
140,500,000
|
140,500,729
|
140,505,908
|
140,663,538
|
140,802,862
|
141,085,538
|
141,220,815
|
141,220,815
|
141,220,815
|
|
|
Undiluted earnings per share
|
|
0.03
|
-1.14
|
-0.07
|
0.17
|
0.24
|
0.24
|
0.40
|
0.41
|
0.41
|
0.40
|
0.42
|
|
|
Diluted earnings per share
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net profit
|
|
2,678
|
-160,657
|
-9,764
|
23,361
|
33,969
|
34,187
|
57,002
|
57,697
|
57,692
|
56,624
|
59,634
|
|
|
Adjustment to the number of ordinary shares issued due to outstanding option rights
|
|
32,660
|
97,278
|
395,349
|
416,204
|
952,301
|
569,715
|
519,198
|
264,560
|
121,846
|
0
|
0
|
|
|
Weighted average shares outstanding (diluted)
|
|
104,991,677
|
140,597,278
|
140,895,349
|
140,916,933
|
141,458,209
|
141,233,253
|
141,322,060
|
141,350,098
|
141,342,661
|
141,220,815
|
141,220,815
|
|
|
Diluted earnings per share
|
|
0.03
|
-1.14
|
-0.07
|
0.17
|
0.24
|
0.24
|
0.40
|
0.41
|
0.41
|
0.40
|
0.42
|
|
|
