Financial statements - Česká spořitelna

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Financial statements

IFRS, consol., CZK m	31.03.2011	31.03.2012
Net interest income	7,457	7,835
Provisions on losses on loans and advances	-1,950	-1,118
Net fee and commission income	3,019	2,910
Net profit/(loss) on financial operations	893	781
General administrative expenses	-4,725	-4,698
Other operating result	-332	-423
Result from financial assets FV	175	160
Result from financial assets AFS	191	104
Result from financial assets HTM	-4	42
Pre-tax profit from continuing operations	4,724	5,593
Taxes on income	-915	-1,172
After tax profit from discontinued operations	0	0
Profit for the year after taxes and before controlling interests	3,809	4,421
Net profit for the year
attributable to owners of the parent	3,803	4,456
attributable to non-controlling interests	6	-35

IFRS, consol., CZK m	31.03.2011	31.03.2012
Interest income	9,605	9,743
- from loans and advances to financial institutions	473	317
- from loans and advances to customers	7,263	7,207
- from debt securities and other fixed income securities	1,695	1,997
- other interest income	175	222
Interest expense	-2,148	-1,908
- from amounts owed to financial institutions	-246	-195
- from amounts owed to customers	-1,386	-1,297
- from bonds in issue	-513	-326
- other interest expense	-4	-90

Net interest income	7,457	7,835

IFRS, consol., CZK m	31.03.2011	31.03.2012
Fee and commission income	3,706	3,713
- from lending business	1,034	1,116
- from payment transactions	1,982	2,035
- from security business	260	180
- other	430	383
Fee and commission expenses	-687	-804
- from lending business	-281	-315
- from payment transactions	-253	-307
- from security business	-49	-40
- other	-105	-141

Net fee and commission income	3,019	2,910

IFRS, consol., CZK m	31.03.2011	31.03.2012
From security business	280	332
Interest rate & Equity derivatives	150	360
FX gains	463	89
Other	0	0

Net profit/(loss) on financial operations	893	781

IFRS, consol., CZK m	31.03.2011	31.03.2012
Personnel expenses	2,155	2,298
Other administrative expenses	1,957	1,833
Depreciation	613	567

General administrative expenses	4,725	4,698

IFRS, consol., CZK m	31.03.2011	31.03.2012
Total assets	935,631	911,505
Cash and balances with the ČNB	27,160	24,439
Loans and advances to financial institutions	186,073	81,099
Loans and advances to customers	466,943	482,224
Provision for losses on loans and advances	-20,777	-18,618
Derivative financial instruments	13,730	17,491
Trading assets	24,600	32,229
Financial assets - AFV	13,446	11,203
Financial assets - AFS	20,948	46,317
Financial assets - HTM	158,393	190,979
Current tax assets	741	173
Deffered tax assets	750	710
Other assets	43,624	43,260

IFRS, consol., CZK m	31.03.2011	31.03.2012
Total liabilities and shareholders' equity	935,631	911,505
Amounts owed to financial institutions	64,891	50,477
Amounts owed to customers	702,580	691,246
Bonds in issue	49,854	44,784
Derivative financial instruments	12,319	16,788
Trading liabilities	596	1
Current tax liabilities	79	257
Deffered tax liabilities	328	355
Other liabilities	19,024	25,336
Subordinated debt	11,206	2,424
Total equity	74,754	79,836
attributable to non-controlling interests	268	26
attributable to owners of the parent	74,486	79,810

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