Prospectus - Notowania

Section 8 – Impairment losses – Item 130 a) loans
8.1 Impairment losses on loans: breakdown
TRANSACTIONS / P&L ITEMS WRITE-OFFS OTHER PORTFOLIO INTEREST OTHER INTEREST OTHER
CONSOLIDATED INTERIM REPORT
AS AT SEPTEMBER 30, 2009
FIRST NINE MONTHS 2009
WRITE - DOWNS (1) WRITE-BACKS (2)
SPECIFIC SPECIFIC PORTFOLIO
FIRST NINE
MONTHS
2008 TOTAL
TOTAL
(3)=(1)-(2) (3)= (1)-(2)
A. Loans and receivables with banks (3,232) (59,390) (13,921) 29 30,370 - 3,713 (42,431) (178,805)
B. Loans and receivables with
customers (626,460) (6,440,456) (834,884) 41,633 1,445,487 1,233 314,536 (6,098,911) (2,116,975)
C. Total (629,692) (6,499,846) (848,805) 41,662 1,475,857 1,233 318,249 (6,141,342) (2,295,780)
The “Write-backs – interest” columns disclose any increases in the presumed recovery value arising from interest accrued in
the year on the basis of the original effective interest rate used to calculate write-downs.
Section 11 – Administrative costs – Item 180
11.1 Payroll: breakdown
TYPE OF EXPENSE FIRST NINE MONTHS 2009 FIRST NINE MONTHS 2008
1) Employees: (6,973,100) (7,459,052)
a) Wages and salaries (4,748,510) (5,269,029)
b) Social charges (1,007,885) (1,150,788)
c) Severance pay (9,714) (20,927)
d) Social security costs (46,764) (55,271)
e) Allocation to employee severance pay
provision (77,198) (133,644)
f) Provision for retirement payments and similar
provisions (226,683) (210,590)
g) Payments to external pension funds (288,716) (270,016)
h) Costs related to share-based payments (44,592) (35,369)
i) Other employee benefits (547,294) (329,620)
l) Recovery of compensation 24,256 16,202
2) Other staff (101,894) (123,982)
3) Directors (20,820) (35,238)
Total (7,095,814) (7,618,272)
Item 1) i) includes staff leaving incentives paid following the business combinations with HVB and Capitalia Groups in the amount of €275,478
thousand (€85.,02 thousand in M9 2008) reclassified as “integration costs” in the condensed income statement.
Item 3) Directors includes compensation paid to Directors and Statutory Auditors of the various companies of the Group.
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