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INCOME DEVELOPMENT OF THE<br />

INVESTKREDIT GROUP 1997 – 2001.<br />

1) Ratio of net income before tax to average risk-weighted assets<br />

2) Ratio of administrative expenses to income<br />

3) Ratio of net income before tax to average equity<br />

4) Ratio of net income after tax to average equity<br />

Income development<br />

in EUR m Return on assets<br />

40<br />

1.2 %<br />

35<br />

30<br />

25<br />

20<br />

15<br />

10<br />

5<br />

0<br />

Cost-income ratio Return on equity<br />

65 %<br />

16 %<br />

60 %<br />

55 %<br />

50 %<br />

45 %<br />

40 %<br />

35 %<br />

30 %<br />

25 %<br />

12<br />

9<br />

Profit for the year before tax<br />

Profit for the year after tax<br />

52 %<br />

5.9 %<br />

3.7 %<br />

Return on assets 1)<br />

0.46 % 19<br />

0.51 %<br />

17<br />

7<br />

Net profit<br />

14<br />

10<br />

8<br />

Cost-income ratio 2)<br />

Return on equity before tax 3)<br />

Return on equity – net profit 4)<br />

52 %<br />

6.3 %<br />

3.7 %<br />

0.80 %<br />

24<br />

1997 1998 1999 2000 2001<br />

54 %<br />

9.9 %<br />

7.0 %<br />

11.8 %<br />

9.7 %<br />

42 %<br />

1997 1998 1999 2000 2001<br />

32<br />

30<br />

0.85 %<br />

27<br />

34<br />

30<br />

0.71 %<br />

23<br />

12.2 %<br />

8.4 %<br />

42 %<br />

0.9 %<br />

0.6 %<br />

0.3 %<br />

0.0 %<br />

14 %<br />

12 %<br />

10 %<br />

8 %<br />

6 %<br />

4 %<br />

2 %<br />

0 %<br />

THE BANK FOR CORPORATES<br />

3

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