GB00_erste lage_E - Erste Group

▲ Cost-income ratio
■ ROE
❚ Loans/advances to
credit institutions
❚ Loans/advances to customers
❚ Financial investments and
other securities
❚ Other assets
Cost-income ratio and return on equity
Balance sheet review
Owing to the first-time consolidation of Česká spořitelna, a.s., total assets showed a sharp increase
of 35.8% to EUR 71.2 billion, although even without Česká spořitelna, a.s. the rise was
above average at 12.6%.
The inclusion of Česká spořitelna, a.s. in the balance sheet greatly restricts comparison of
2000 figures with most of the items from the previous year.
Eliminating one-off influences reveals that the strongest asset growth was registered by loans
and advances to credit institutions (expansion of interbank business). Loans and advances to
customers (adjusted for Česká spořitelna, a.s.) were also up, reporting a rise of 5.3% despite
the branch spin-offs in Styria. The securities portfolio (also adjusted for Česká spořitelna, a.s.)
remained virtually unchanged.
Balance sheet structure of assets (in EUR million)
51,990
4%
20%
51%
25%
▲
■
71.8%
10.5%
52,443 (+0.9%)
▲ ▲ ▲
70.1%
1998 1999 2000
w/ ČS
5%
25%
50%
20%
1998 1999 2000
w/ ČS
67.9% 67.1%
12.1% 12.3% 12.8%
■ ■ ■
71,196 (+35.8%)
2000
w/o ČS (pro forma)
2000
w/o ČS (pro forma)
Erste Bank 2000 19
6%
23%
44%
27%
59,065 (+12.6%)
4%
23%
47%
26%