A4 für Copyshop GB.indd - Bayerische Landesbank
A4 für Copyshop GB.indd - Bayerische Landesbank
A4 für Copyshop GB.indd - Bayerische Landesbank
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EUR million<br />
1.1. –<br />
31.12.2004<br />
BayernLB Group<br />
1.1. –<br />
31.12.2003<br />
Change<br />
in %<br />
1.1. –<br />
31.12.2004<br />
1.1. –<br />
31.12.2003<br />
Change<br />
in %<br />
Net interest<br />
income 1,398 1,608 – 13.1 2,030 2,169 – 6.4<br />
Net commission<br />
income 240 253 – 5.0 340 343 – 0.7<br />
Net result<br />
from financial<br />
transactions 92 105 – 12.9 126 105 19.7<br />
Personnel<br />
expenditure – 475 – 472 0.6 – 689 – 656 4.9<br />
Operating<br />
expenditure – 355 – 389 – 8.9 – 519 – 529 – 1.9<br />
Balance of other<br />
operating income<br />
and expenditure 142 123 15.4 223 120 84.3<br />
Operating profit<br />
before risk<br />
provisions 1,042 1,228 – 15.1 1,511 1,552 – 2.6<br />
Risk provisions 76 – 697 – – 157 – 953 – 83.5<br />
Revaluation result – 303 – 42 > 100 – 404 – 52 > 100<br />
Operating profit 815 489 66.7 950 547 73.7<br />
Report on the Bank and the Group<br />
Extraordinary<br />
expenses – 357 – 127 > 100 – 358 – 127 > 100<br />
Corporate<br />
income tax – 175 – 80 > 100 – 252 – 104 > 100<br />
Partial profit<br />
transfer – 220 – 219 0.6 – 242 – 237 1.9<br />
Net income for<br />
the year 63 63 0 98 79 23.3<br />
Allocations to<br />
revenue reserves /<br />
profit share of<br />
minority shareholders<br />
0 0 0 35 16 > 100<br />
Profit available<br />
for distribution 63 63 0 63 63 0<br />
97
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