Key figures

KEY FIGURES	31.03.2010	31.12.2009
Interest Margin1)	1.6%	1.6%
Cost-income-ratio2)	34.9%	31.9%
Return on equity – before taxes3)	-0.2%	-67.9%
Return on equity – after taxes3)	0.6%	-50.8%
Return on equity – consolidated net income4)	0.5%	-56.4%
Return on equity – regulatory5)	-0.2%	-45.4%
Core capital ratio	7.1%	7.5%
Equity ratio	11.7%	12.5%

¹⁾ Ratio of net interest income to average total assets
²⁾ General administrative expenses in relation to operating income without taking into account impairments of financial investments 
³⁾ Ratio of result before and after taxes to average equity
⁴⁾ Ratio of consolidated net income to average equity without minority interest
⁵⁾ Ratio of result before taxes to average capital requirement for credit risk

INCOME STATEMENT	1-3/2010	1-3/2009	+/-
Net interest income in EUR m	49.3	48.4	1.8%
Result before taxes in EUR m	-0.4	-32.5	98.8%
Consoidated net income in EUR m	0.8	-26.1	-103.0%

SELECTED FIGURES	31.03.2010	31.12.2009	+/-
Total assets in EUR m	12,449	12,644	1.5%
Core capital pursuant to the Austrian Banking Act in EUR m	775	782	-0.9%
Own funds pursuant to the Austrian Banking Act in EUR m	1,333	1,358	-1.8%
Number of employees (reporting date)	479	495	-3.2%

RATINGS	Long-term	Bank Financial Strength	Short-term
Moody's Investors Service	Baa2	E+	P-2