Annual Report - VÚB banka

36. Segment reporting (continued)
Retail Corporate Central Other Total
banking banking treasury
31 December 2007
External revenue
Interest income 4,947 2,813 5,795 79 13,634
Interest expense (2,477) (1,701) (1,987) 8 (6,157)
Inter-segment revenue 2,263 471 (3,664) 930 -
Net interest income 4,733 1,583 144 1,017 7,477
Net fee and commission income 1,596 444 53 - 2,093
Net trading income 397 454 411 2 1,264
Other operating income 28 7 - 65 100
Dividend income - - - 47 47
Total segment operating income 6,754 2,488 608 1,131 10,981
Depreciation and amortization (581) (40) (6) (304) (931)
Operating expenses (4,881)
Operating profi t before impairment and provisions 5,169
Impairment losses and provisions (544) (97) 9 - (632)
Income tax expense (1,037)
Net profit for the year 3,500
Segment assets 67,953 57,547 141,063 8,577 275,140
112
Segment liabilities 123,053 63,880 63,090 25,117 275,140
Retail Corporate Central Other Total
banking banking treasury
31 December 2006
External revenue
Interest income 3,834 2,262 5,018 178 11,292
Interest expense (1,586) (1,344) (1,786) 5 (4,711)
Inter-segment revenue 1,979 606 (3,404) 819 -
Net interest income 4,227 1,524 (172) 1,002 6,581
Net fee and commission income 1,413 470 66 (11) 1,938
Net trading income 331 306 486 18 1,141
Other operating income 9 4 - 143 156
Dividend income - - - 139 139
Total segment operating income 5,980 2,304 380 1,291 9,955
Depreciation and amortization (593) (37) (6) (254) (890)
Operating expenses (4,627)
Operating profi t before impairment and provisions 4,438
Impairment losses and provisions (24) 277 114 - 367
Income tax expense (1,047)
Net profit for the year 3,758
Segment assets 51,048 45,364 134,337 7,482 238,231
Segment liabilities 105,003 60,038 46,125 27,065 238,231
Annual Report 2007