Annual Report - VÚB banka

38. Segment reporting (continued)
Retail Corporate Central Other Total
banking banking treasury
31 December 2007
External revenue
Interest income 6,135 2,779 5,795 79 14,788
Interest expense (2,575) (1,725) (1,987) 8 (6,279)
Inter-segment revenue 2,263 471 (3,664) 930 -
Net interest income 5,823 1,525 144 1,017 8,509
Net fee and commission income 2,280 467 53 - 2,800
Net trading income 397 454 411 2 1,264
Other operating income 263 8 - 51 322
Dividend income - - - - -
Total segment operating income 8,763 2,454 608 1,070 12,895
Depreciation and amortization (769) (40) (6) (304) (1,119)
Operating expenses (5,689)
Operating profi t before impairment and provisions 6,087
Impairment losses and provisions (812) (76) 9 - (879)
Income tax expense (1,148)
Share of profi t of associates and jointly controlled entities 7
Net profit for the year 4,067
64
Segment assets 75,054 59,873 141,063 8,577 284,567
Segment liabilities 127,081 69,279 63,090 25,117 284,567
Retail Corporate Central Other Total
banking banking treasury
31 December 2006
External revenue
Interest income 4,834 2,298 5,018 178 12,328
Interest expense (1,738) (1,272) (1,786) 5 (4,791)
Inter-segment revenue 1,979 606 (3,404) 819 -
Net interest income 5,075 1,632 (172) 1,002 7,537
Net fee and commission income 2,115 490 66 (11) 2,660
Net trading income 330 303 486 18 1,137
Other operating income 228 (5) - 143 366
Dividend income - - - 12 12
Total segment operating income 7,748 2,420 380 1,164 11,712
Depreciation and amortization (774) (37) (6) (254) (1,071)
Operating expenses (5,329)
Operating profi t before impairment and provisions 5,312
Impairment losses and provisions (823) 269 114 - (440)
Income tax expense (1,073)
Share of loss of associates and jointly controlled entities (52)
Net profit for the year 3,747
Segment assets 55,453 43,705 134,337 7,482 240,977
Segment liabilities 109,567 58,220 46,125 27,065 240,977
Annual Report 2007