|Balance Sheet (in millions of Euros) ||2009||2008||
Change in per cent
|Receivables from customers
|Payables to customers
|Issued securities at cost
|Eligible own funds
|Income Statement (in millions of Euros) ||2009||2008||
Change in per cent
|Net interest income||564.3||652.5||-13.5%|
|Net fee and commission income||154.8||143.9||+7.6%|
|Gains and losses on assets and liabilities adjusted for minority interest1)
|Provisions and impairment losses
|Profit (loss) before tax adjusted for minority interest1)||45.5||-614.6||-|
|Key figures ||2009||2008|
| Tier I capital ratio
|Own funds ratio
|Resources, as of 31. 12. ||2009||2008|
|Workforce (in full-time equivalents)||4,954||5,351
|Post office branches||1,230||1,298|
1) Under IFRS, the item Gains and losses on financial assets and liabilities also includes the valuation of securities whose risk is borne by minority shareholders. These securities are subject to substantial fair value fluctuations. In order to improve the comparability of the results, the valuation results attributable to minority shareholders have been excluded in the figures presented on this page. Compared to the income statement presented in the Consolidated Financial Report according to IFRS, the item Gains and losses on financial assets and liabilities is EUR 186.6 million lower (2008: EUR 189.5 million higher). Accordingly, the item Profit (loss) before tax presented above is EUR 186.6 million lower (2008: EUR 189.5 million higher than the Profit (loss) before tax presented in the Consolidated Financial Report according to IFRS.
2) Operating income: net interest income, income and expenses from fees and commissions, other income and expenses, gains and losses on financial assets and liabilities;Operating expenses: administrative expenses, scheduled amortisation and depreciation on intangible and tangible assets.
3) Rating refers to long-term senior unsecured debt; Moody's outlook, November 2009: "stable".