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Financial statements

IFRS, consol., CZK m	30.9.2010	30.9.2011
Net interest income	22,650	23,344
Provisions on losses on loans and advances	-7,803	-4,913
Net fee and commission income	8,980	9,161
Net profit/(loss) on financial operations	2,388	670
General administrative expenses	-14,091	-13,888
Other operating result	-1,689	-2,114
Result from financial assets FV	-125	-172
Result from financial assets AFS	85	-251
Result from financial assets HTM	114	28
Pre-tax profit from continuing operations	10,509	11,865
Taxes on income	-2,135	-2,347
After tax profit from discontinued operations	0	0
Profit for the year after taxes and before controlling interests	8,374	9,518
Net profit for the year
attributable to owners of the parent	8,281	9,555
attributable to non-controlling interests	93	-37

IFRS, consol., CZK m	30.9.2010	30.9.2011
Interest income	29,255	29,276
- from loans and advances to financial institutions	1,508	1,430
- from loans and advances to customers	22,528	21,966
- from debt securities and other fixed income securities	4,549	5,263
- other interest income	670	617
Interest expense	-6,605	-5,932
- from amounts owed to financial institutions	-591	-639
- from amounts owed to customers	-4,766	-4,084
- from bonds in issue	-1,239	-1,206
- other interest expense	-9	-3

Net interest income	22,650	23,344

IFRS, consol., CZK m	30.9.2010	30.9.2011
Fee and commission income	10,833	11,485
- from lending business	3,282	3,381
- from payment transactions	5,705	6,133
- from security business	685	774
- other	1,161	1,197
Fee and commission expenses	-1,853	-2,324
- from lending business	-780	-892
- from payment transactions	-634	-916
- from security business	-126	-161
- other	-313	-355

Net fee and commission income	8,980	9,161

IFRS, consol., CZK m	30.9.2010	30.9.2011
From security business	545	-29
Interest rate & Equity derivatives	-10	-80
FX gains	1,853	779
Other	0	0

Net profit/(loss) on financial operations	2,388	670

IFRS, consol., CZK m	30.9.2010	30.9.2011
Personnel expenses	6,166	6,185
Other administrative expenses	5,984	5,878
Depreciation	1,941	1,825

General administrative expenses	14,091	13,888

IFRS, consol., CZK m	September 30, 2010	September 30, 2011
Total assets	891,549	932,029
Cash and balances with the ČNB	27,365	32,817
Loans and advances to financial institutions	181,350	141,839
Loans and advances to customers	465,229	471,565
Provision for losses on loans and advances	-20,725	-21,365
Derivative financial instruments	20,187	20,060
Trading assets	11,144	29,015
Financial assets - AFV	7,291	13,245
Financial assets - AFS	25,622	28,659
Financial assets - HTM	129,096	173,870
Current tax assets	429	932
Deffered tax assets	689	717
Other assets	43,872	40,675

IFRS, consol., CZK m	September 30, 2010	September 30, 2011
Total liabilities and shareholders' equity	891,549	932,029
Amounts owed to financial institutions	46,850	62,213
Amounts owed to customers	678,514	700,987
Bonds in issue	47,802	50,057
Subordinated debt	11,024	4,712
Derivative financial instruments	19,212	19,249
Trading liabilities	1,052	201
Current tax liabilities	241	166
Deffered tax liabilities	434	321
Other liabilities	19,398	17,797
Total equity	67,023	76,327
attributable to non-controlling interests	325	108
attributable to owners of the parent	66,698	76,219

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