INVESTKREDIT BANK AG - Xetra

SELECTED FINANCIAL INFORMATION
The following information is extracted from the audited consolidated financial statements of the
Group for the years ended 31 December 2000 and 31 December 2001 and from the unaudited
consolidated financial statements of the Group for the nine months ended 30 September 2002. This
information is qualified in its entirety by reference to such financial statements (including the notes
to such financial statements) which are part of this Information Memorandum.
Balance Sheet
As at 31 December
As at 30
September
2000 2001 2002
(EUR 1,000) (EUR 1,000) (EUR 1,000)
Assets
Cash and balances with central banks .................................... 4,780 15,106 16,058
Loans and advances to banks ................................................ 661,866 887,105 1,198,569
Loans and advances to customers .......................................... 4,950,232 6,086,376 7,416,323
Risk provisions for loans and advances ................................... (64,310) (69,049) (79,952)
Trading assets ......................................................................... 187,169 93,765 167,024
Financial investments............................................................... 2,689,824 3,831,483 4,630,638
Property and equipment........................................................... 214,839 288,786 368,197
Other assets ............................................................................. 59,007 60,783 103,758
Total ........................................................................................ 8,703,408 11,194,354 13,820,615
Liabilities and equity
Amounts owed to banks........................................................... 2,357,201 2,810,094 2,457,080
Amounts owed to customers..................................................... 328,155 686,532 475,682
Debts evidenced by certificates................................................ 5,139,159 6,453,065 9,134,113
Provisions ................................................................................ 40,675 44,591 48,580
Other liabilities.......................................................................... 324,429 517,421 917,298
Subordinated capital ................................................................ 197,087 291,104 376,324
Minority interests...................................................................... 22,532 133,344 160,760
Equity ....................................................................................... 294,168 258,203 250,779
Total ........................................................................................ 8,703,408 11,194,354 13,820,615
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