Prospectus - Notowania

1. Deposits from banks 152,437 1,947 1.70% 174,889 5,016 3.82%
2. Customer deposits 382,391 5,249 1.83% 401,714 9,844 3.27%
3. Issued securities 205,588 5,532 3.59% 237,267 8,474 4.76%
4. Financial liabilities held for trading at
fair value 39,012 1,061 3.63% 48,147 920 2.55%
Total interest bearing liabilities 779,428 13,789 2.36% 862,017 24,254 3.75%
Other liabilities (2) 164,259 -935 -0.76% 124,095 1,149 1.23%
Shareholders’ equity 60,535 n.a. n.a. 61,422 n.a. n.a.
Total assets, liabilities and
shareholders’ equity 1,004,222 12,854 1.71% 1,047,534 25,403 3.23%
Net interest income
Credit-Debit spread for customers and
13,984 1.74% 13,302 1.69%
securities
Performing assets – interest bearing
2.23% 2.50%
liabilities spread 1.94% 2.15%
1
Average balances calculated on the basis of quarterly
data
2
Includes hedging derivatives
(in millions of €) % Change
Average net interest rate and net interest income 30.09.2009 30.09.2008 2008/2007
Total average performing assets 793,885 863,567 -8.1%
Total average interest-bearing liabilities 779,428 862,017 -9.6%
Net interest income 13,084 13,302 -1.6%
Average rate on interest bearing liabilities 2.36% 3.75% -1.39
Net interest rate 1 1.94% 2.15% -0.21
Net interest margin 1.74% 1.69% 0.05
1
The net interest rate is calculated as the difference between the average rate on assets and the average rate on interest-bearing
liabilities.
2
The net interest margin is the ratio between the total net interest income and average assets.
As apparent from the table above the trends in interest have been affected by the
changing economic and market scenarios.
(in millions of €) % Change
Income from brokerage and other income
(Reclassified) 09.30.2009 09.30.2008 2009/2008
Retail 2,695 3,186 -15.4%
Corporate & Investment Banking 1,865 197 846.7%
Private Banking 369 454 -18.7%
Asset Management 514 835 -38.4%
Central Eastern Europe (CEE) 1,266 1,112 13.8%
Poland’s Market 550 710 -22.5%
Parent company and other companies* 362 158 129.1%
Total 7,621 6,652 14.6%
* Including netting and write-downs.
The decrease in net fees and commissions concerned almost all the business segments.
It is mainly attributable to the management and administration of savings services (-
30.5%) which posted a negative low in their most important component, that is,
commissions on mutual investment funds (-38.9%), as a result of the generalised
reduction in reference assets due to the economic crisis. Accordingly the most
adversely affected business segment was Asset Management which was able to record
a slight recovery only in the last quarter during which the assets under management
increased by 5.7% due to the combined effect of deposits and the positive
performance. Similar trends were experienced in the Retail and Private Banking
business segments, although with less significant percentages. In the CEE area net
fees and commissions recorded a slight increase to € 780 million. Trends in the
various countries vary according to the relative importance of security trading and of
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