... this asset style is receivables, which give the significant part of the revenues. An important part of the assets is securities, the primary dealership boosted the amount of this asset, and the increased trading resulted outstanding profit. The major part of fixed assets is invested financial assets; this row contained all sort of strategic investment of the bank. After clean-out the portion of the invested financial assets dropped. The bad and non-banking style assets were removed from the portfolio. The different costs of the bank operation can be difficulty grouped into the common cost categories. The result of the management cost reduction effort, operating costs increased by a modest 3% in nominal terms, which is in fact a decrease of 6,7% in real terms. However the cost asset ratio is still higher than the expected 5%. The major source of costs were labour costs by 40%, depreciation by 13%, 25% by non-material ...

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