Komercni Banka A.S.

Consolidated Balance Sheet of Komer IFRS (unaudited) ční banka, a.s. -

CZK million

Assets	30 Sep 2013	30 Sep 2012
Cash and currents balances with national banks	50 280	8 557
Amounts due from banks	79 369	78 045

Financial assets at fair value through profit or loss	38 109	51 686
Loans and advances to customers, net	457 301	445 428
Securities available for sale	137 859	140 607
Investments held to maturity	3 269	3 294
Goodwill	3 752	3 752
Other assets	34 185	40 101
Total assets	804 125	771 470

Liabilities and shareholders´ equity	30 Sep 2013	30 Sep 2012
Amounts due to banks	31 285	34 660
Amounts due to customers	609 284	568 329
of which: Amounts due to customers of KB PS PS	35 265	32 150
Financial liabilities at fair value through profit or
loss	16 761	22 190
Securities issued	23 502	19 217
Subordinated debt	0	0
Other liabilities	29 464	31 957
Total liabilities	710 295	676 354
Shareholders´ equity
Share capital	19 005	19 005
Share premium and reserves	72 060	73 426
Minority interest	2 764	2 686
Total shareholders´ equity	93 829	95 116

Total liabilities and shareholders´ equity	804 125	771 470

CZK million

	9M 2013	9M 2012
Net interest income	15879	16517
Net fees & commissions	5315	5 2 2 9
Income from financial operations	1986	2870
Other income	101	96
Net banking income	23 28 2	24712
Personnel expenses	$-5034$	$-5064$
General administrative expenses	$-3356$	$-3496$
Depreciation, impairment and disposal of fixed assets	$-1285$	$-1282$
Total operating expenses	$-9675$	$-9842$

Gross operating income	13 607	14871
Provision for loan losses	$-1338$	$-1327$
Provision for losses on securities	0	0
Provision for other risks expenses	-6	$-18$
Cost of risk	$-1344$	$-1345$
Net operating income	12 263	13 5 26
Net profit / (loss) from subsidiaries and associates	97	90
Share of profit of pension scheme beneficiaries	$-372$	$-427$
Profit/(loss) before income taxes	11 989	13 189
Income taxes	$-2167$	$-2075$
Profit/(loss) for the period before minority interest	9822	11 114
Profit attributable to the Bank's equity holders	9558	10919
Minority profit / (loss)	264	195
Net profit/(loss) per share (in CZK, annualized)	337,4	385,4