GENERAL MEETING DRAFT - Bankier.pl

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As already described in Section 6 of Assets (Loans and receivables with banks), Deposits from banks
decreased from �177,677m at end 2008 to �106,800 million at end 2009.
In average terms 5 , these items were �143,191m in 2009 and �176,336m in 2008.
The average cost of these deposits fell by 3.80%, from 5.35% in 2008 to 1.55% in 2009.
The �70,877m decrease in “Deposits from banks” was attributable to:
� a decrease in Deposits from Central banks by �53,086m, of which �20,001m relating to UniCredit
SpA, �19,564m to UniCredit Bank AG and �6,124m to UniCredit Bank Austria AG.
� a reduction in Deposits from banks by �17,791m, of which �12,092m concerning time deposits.
1.1 Deposits from banks: product breakdown (� '000)
Type of transactions/Values
Amounts as at
12.31.2009 12.31.2008
1. Deposits from central banks 19,684,972 72,770,915
2. Deposits from banks 87,115,180 104,905,789
2.1 Current accounts and demand deposits 18,300,255 14,548,866
2.2 Time deposits 27,610,170 39,701,991
2.3 Loans 34,623,268 43,819,781
2.3.1 repos 11,881,982 19,689,312
2.3.2 other 22,741,286 24,130,469
2.4 Liabilities in respect of commitments to repurchase treasury shares - -
2.5 Other liabilities 6,581,487 6,835,151
Total 106,800,152 177,676,704
Fair value 106,989,042 177,850,724
The sub-item 2.3 Loans includes repos executed using proprietary securities issued by Group companies, which were eliminated from assets on
consolidation.
1.2 Breakdown of item 10 "Deposits from banks": subordinated debts (� '000)
2009 CONSOLIDATED REPORTS AND ACCOUNTS
Amounts as at
12.31.2009 12.31.2008
Deposits from banks: subordinated debts 231,317 185,852
1.3 Breakdown of item 10 "Deposits from banks": structured debts
There were no deposits from banks: structured debts.
5 The average balances and related ratios (yield/costs) were calculated by considering the assets/liabilities balances at the end of each quarter in 2009
and at end 2008.
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