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Balance Sheets of our
Consolidated Banking Subsidiaries in CEE
€ m
Poland Hungary Czech Republic Slovakia
As at 31 December 2005 2004 2003 2005 2004 2003 2005 2004 2003 2005 2004 2003
Loans to non-banks 8,725 7,428 6,168 2,744 2,463 1,855 3,264 2,809 2,527 1,004 818 759
Loans and advances to,
and placements with, banks 3,049 1,955 690 533 847 456 1,222 657 628 171 115 40
Loan loss provisions – 464 – 563 – 729 – 41 – 34 – 24 – 39 – 39 – 41 –17 –17 –15
Investments 1,949 942 551 454 321 304 972 954 547 238 211 194
Other assets 1,736 2,946 3,278 402 247 208 292 300 412 615 511 207
Total assets 14,995 12,708 9,957 4,091 3,844 2,799 5,711 4,681 4,072 2,010 1,638 1,185
Deposits from non-banks 9,664 8,405 6,797 2,211 1,890 1,546 3,312 2,874 2,495 781 717 571
Deposits from banks 1,445 1,483 1,369 977 1,202 841 987 816 758 946 648 437
Liabilities evidenced by certificates 1,438 513 120 227 183 – 655 400 283 53 72 12
Other liabilities 800 876 541 209 167 115 236 164 157 21 14 10
Shareholders’ equity 1,648 1,432 1,130 467 401 296 522 426 379 209 186 154
Total liabilities and shareholders’ equity 14,995 12,708 9,957 4,091 3,844 2,799 5,711 4,681 4,072 2,010 1,638 1,185
Loan/deposit ratio (customers) 90 % 88 % 91% 124 % 130 % 120 % 99 % 98 % 101% 129 % 114 % 133 %
Loan/deposit ratio (total) 106 % 95 % 84 % 103 % 107 % 97 % 104 % 94 % 97 % 68 % 68 % 79 %
Employees (full-time equivalent) 10,181 9,728 11,115 1,366 1,209 1,043 1,101 1,250 1,214 443 437 411
Offices 503 466 518 54 41 35 24 24 23 27 27 24
Exchange rate
(units of local currency per euro) 3.860 4.085 4.702 252.870 245.970 262.500 29.000 30.464 32.410 37.880 38.745 41.170
Appreciation/depreciation against the euro + 6 % +15 % – 3 % + 7 % + 5 % + 6 % + 2 % + 6 %
in local currency
Poland Hungary Czech Republic Slovakia
(PLN m) (HUF m) (CZK m) (SKK m)
As at 31 December 2005 2004 2003 2005 2004 2003 2005 2004 2003 2005 2004 2003
Loans to non-banks 33,680 30,342 28,999 693,798 605,786 486,893 94,646 85,588 81,906 38,023 31,708 31,240
Loans and advances to,
and placements with, banks 11,770 7,985 3,243 134,666 208,306 119,786 35,440 20,007 20,340 6,464 4,462 1,632
Loan loss provisions –1,792 – 2,298 – 3,427 –10,493 – 8,407 – 6,348 –1,128 –1,201 –1,339 – 660 – 664 – 615
Investments 7,522 3,846 2,592 114,909 79,079 79,907 28,180 29,061 17,724 9,016 8,181 7,989
Other assets 6,700 12,033 15,412 101,550 60,708 54,585 8,475 9,134 13,355 23,292 19,796 8,534
Total assets 57,880 51,907 46,818 1,034,430 945,473 734,823 165,614 142,590 131,987 76,134 63,482 48,780
Deposits from non-banks 37,305 34,329 31,960 559,087 464,999 405,870 96,034 87,556 80,869 29,585 27,785 23,514
Deposits from banks 5,579 6,055 6,436 246,930 295,762 220,829 28,617 24,865 24,568 35,820 25,118 17,991
Liabilities evidenced by certificates 5,549 2,096 565 57,433 44,942 – 18,987 12,187 9,171 2,023 2,802 508
Other liabilities 3,087 3,578 2,543 52,770 41,125 30,296 6,831 5,001 5,098 793 558 406
Shareholders’ equity 6,361 5,848 5,314 118,210 98,645 77,828 15,145 12,982 12,281 7,913 7,220 6,361
Total liabilities and shareholders’ equity 57,880 51,907 46,818 1,034,430 945,473 734,823 165,614 142,590 131,987 76,134 63,482 48,780
1) Including Banca Tiriac as from September 2005 / 2) Including Hebros Bank as from April 2005 /
3) HVB Bank Serbia and Montenegro including Eksimbanka consolidated as from 1 October 2005
184 Balance Sheets of our Consolidated Banking Subsidiaries in CEE