230967 com titel gb 02 e
230967 com titel gb 02 e
230967 com titel gb 02 e
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12 MANAGEMENT REPORT<br />
Quarterly results<br />
20<strong>02</strong> financial year<br />
in 7 m 1 st quarter 2 nd quarter 3 rd quarter 4 th quarter Total year<br />
Net interest in<strong>com</strong>e 873 861 721 678 3,133<br />
Provision for possible loan losses –254 –308 –436 –323 –1,321<br />
Net interest in<strong>com</strong>e after provisioning 619 553 285 355 1,812<br />
Net <strong>com</strong>mission in<strong>com</strong>e 575 554 501 490 2,120<br />
Net result on hedge accounting –32 51 –21 –54 –56<br />
Trading profit<br />
Net result on investments and<br />
313 104 36 91 544<br />
securities portfolio (available for sale) 92 60 –531 291 –88<br />
Other operating result 12 40 884 –168 768<br />
Regular amortization of goodwill 28 29 26 25 108<br />
In<strong>com</strong>e 1,551 1,333 1,128 980 4,992<br />
Operating expenses<br />
Profit from ordinary activities<br />
1,398 1,308 1,229 1,220 5,155<br />
before restructuring expenses 153 25 –101 –240 –163<br />
Restructuring expenses<br />
Profit from ordinary activities<br />
– – 32 177 209<br />
after restructuring expenses 153 25 –133 –417 –372<br />
Extraordinary profit – – – – –<br />
Pre-tax profit 153 25 –133 –417 –372<br />
Taxes on in<strong>com</strong>e 52 6 –20 –141 –103<br />
After-tax profit<br />
Profit/loss attributable<br />
101 19 –113 –276 –269<br />
to minority interests –29 –17 –16 33 –29<br />
Net profit 72 2 –129 –243 –298
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