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Deželna banka Slovenije Group Unaudited Interim Report for the first half year 2013

14. 8. 2013

The operations of Deželna banka Slovenije d. d. in the first half year 2013 were successful. The Bank reported EUR 5,262 thousand of operating profit before impairments, profit after tax totalling EUR 87 thousand.

The Banks capital adequacy improved in the first half year, amounting to 11.89% at the end of June (31 December 2012: 11.47%). The DBS Groups capital adequacy at the end of the first half year was 11.90%.

The Banks most important and stable source of funding, assets collected from the retail segment, increased by 2% in the six months to June. The intentional decrease in exposure toward the banking sector was followed by a 2% decrease in total assets, the latter totalling EUR 848,402 thousand at the end of June. The optimised balance sheet structure resulted in an interest margin of 2.52%, which is above the banking system average and an improvement from the same period last year.

Loans to retail customers, corporate customers and the state were up 5% in the first half year. The quality of investments did not deteriorate much from the same period last year, net impairments and provisions only 1% higher at EUR 5,140 thousand (1–6 2012: EUR 5,089 thousand).

The Banks economy of operations increased further in the six months to June, testified by the lower operating costs; they decreased by EUR 845 thousand from the same period last year.

Deželna banka Slovenije Group Unaudited Interim Report for the first half year 2013

Deželna banka Slovenije d. d.
Management Board