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Transparency is our top priority. We want to keep you up to date with all the latest news about our company, our business, and our stock. Not with fine words, but with convincing facts and arguments. Our goal is to grow company value that will last. You can find out here what we are doing to achieve that.

Third Quarter Report 2009

Profit after tax of EUR 216 mn (up 75% q-o-q; down 78% y-o-y)
Consolidated profit of EUR 156 mn (up 255% q-o-q; down 82% y-o-y)
Results strongly influenced by provisioning amounting to EUR 1,365 mn (down 24% q-o-q; up 273% y-o-y)
Net interest income slightly declined to EUR 2,224 mn (q-o-q unchanged; down 5% y-o-y)
Stable development of operating result amounting to EUR 1,603 mn (q-o-q and y-o-y almost unchanged)
Cost/income ratio improved to 51.1% (down 3.5PP y-o-y)
Tier 1 capital ratio (total) of 10.5% (up 2.4PP compared to FY 2008)
Tier 1 capital ratio (credit risk) of 13.0% (up 3.3PP compared to FY 2008)

link to online Third Quarter Report 2009

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Semi-Annual Report 2009

Profit after tax of EUR 119 mn (down 82% y-o-y; down 13% q-o-q)
Consolidated profit of EUR 78 mn (down 86% y-o-y; down 61% q-o-q)
Results strongly influenced again by a rise in provisioning amounting to EUR 969 mn (up 381% y-o-y; up 18% q-o-q)
Net interest income remains stable at EUR 1,496 mn (y-o-y unchanged; down 5% q-o-q)
Positive development of operating result amounting to EUR 1,072 mn (up 4% y-o-y; q-o-q unchanged)
Cost/income ratio has improved to 51.6% (down 3.2PP y-o-y)
Tier 1 capital ratio (total) of 8.5% (up 0.4PP compared to FY 2008); the pro forma Tier 1 capital ratio (total) including the capital enhancement would amount to 10.4%
Tier 1 capital ratio (credit risk) of 10.4% (up 0.7PP compared to FY 2008); the pro forma Tier 1 capital ratio (credit risk) including the capital enhancement would amount to 12.7%

link to online Semi-Annual Report 2009

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First Quarter Interim Report 2009

First quarter consolidated profit of EUR 56 mn (down 53% q-o-q; down 78% y-o-y)
Results strongly influenced by a rise in provisioning amounting to EUR 445 mn (up 7% q-o-q; up 379% y-o-y) due to worsening market conditions
Net interest income amounts to EUR 767 mn (down 14% q-o-q; up 8% y-o-y)
Stable operating income of EUR 1.1 bn (down 17% q-o-q; up 2% y-o-y)
Cost/income ratio improved to 51.7% (down 2.3PP compared to FY 2008)
Tier 1 capital ratio of 7.7% (total), once again affected by unfavourable FX developments in the first quarter (down 0.4PP compared to FY 2008)
Tightening of lending criteria, strengthening of workout and collection functions

link to online First Quarter Report 2009

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Annual Report 2008

Full year consolidated profit of EUR 982 mn, up 17 percent y-o-y
Solid performance in core business, profit from operating activities up 40 percent y-o-y to EUR 2.2 bn
Cost/income ratio decreased by 3.6 percentage points from 57.6 percent to 54.0 percent y-o-y
Tier 1 capital ratio of 8.1 percent despite negative FX effects in Q4
Significantly higher provisioning up 119 percent y-o-y to EUR 780 mn due to worsening market conditions
Comprehensive measures taken to tackle the effects of the crisis
Dividend proposal of EUR 0.93 per share stays at the same level as last year

link to online Annual Report 2008

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Financial Calendar 2010

Date	Event
23 February	Start of Quiet Period*
23 March	Annual Report 2009, Analyst Conference, Conference Call
27 April	Start of Quiet Period*
11 May	First Quarter Report, Conference Call
8 June	Annual General Meeting
16 June	Ex-Dividend and Dividend Payment Date
29 July	Start of Quiet Period*
12 August	Semi-Annual Report, Conference Call
28 October	Start of Quiet Period*
11 November	Third Quarter Report, Conference Call

*Quiet Period: Two-week period before the publication of the quarterly financial statements and a four-week period before the publication of the annual report. During this period we do not hold investor or analyst meetings.