Prospectus - Notowania

customers
Other assets 45 - 16 - - 61 0.48%
Total assets 1,566 7 1,669 3 50 3,295 0.35%
Deposits from
banks 246 - 12,040 - 7 12,293 7.65%
Deposits from
customers 355 - 400 9 81 845 0.22%
Financial
equities and
liabilities - - - - 214 214 0.06%
Other liabilities 141 - 5 - 14 160 0.65%
Total liabilities 742 - 12,445 9 316 13,512 1.45%
Guarantees
issued and
commitments 34 - 400 - - 434 0.20%
December 31, 2006
(thousands of €)
Unconsolida
ted
subsidiaries
Unconsolida
ted joint
ventures
Related-Party Transactions
Associates Key
managem
ent
personnel
- 329 -
Other
related
parties
Total % on
consolidated
Held for trading
financial assets 244 - 17 - - 261 0.14%
Financial assets
designated at
fair value - - 95 - - 95 0.60%
Available-forsale
financial
assets 1 - 3 - - 4 0.01%
Financial assets
held to maturity 2 - 27 - - 29 0.26%
Loans to banks 4,978 - 517 - - 5,495 6.56%
Loans to
customers 2,016 75 343 4 13 2,451 0.56%
Other assets 24 - 18 - - 42 0.50%
Total assets 7,625 75 1,020 4 13 8,377 1.07%
Deposits from
banks 16,962 - 10,461 - - 27,423 18.82%
Deposits from
customers 1,320 1 230 11 51 1,613 0.56%
Financial
equities and
liabilities 1,229 - 39 - - 1,268 0.41%
Other liabilities
(including staff
severance
indemnity) 14 - 25 - 1 40 0.23%
Total liabilities 19,525 1 10,755 11 52 30,344 3.97%
Guarantees
issued and
commitments 562 - 356 - 1 919 0.53%
The percentage of Related-Party transactions to Group assets and liabilities reported above is
also indicative of the percentage of the same to interest income and expense, considering that
said transactions are carried out under the same conditions applied to similar transactions with
third parties. As regards fees and commissions, the only relevant issue to note is that related to
associate insurance companies, consolidated under the equity method, which recognise a
commission to the Group for placement of their insurance products with customers. Placement
fees and commissions on insurance products were €426 million in the first nine months of 2009
(6.1% of total fee and commission income), €482 million in financial year 2008 (5.7% of the
total), €657 million in financial year 2007 (5.8% of the total), and €594 million in financial
year 2006 (6.0% of the total).