REG - Alpha Bank A.E. - Annual Financial Report <Origin Href="QuoteRef">ACBr.AT</Origin> - Part 12
31/03/2017 07:07
- Part 12: For the preceding part double click ID:nRSe0956Bk
Receivables that exited forbearance status (750,533)
Impairment loss (314,990)
Other 116,420
Balance 31.12.2016 12,812,046
Forborne loans(Net Value):
Balance 1.1.2015 10,574,215
Transfer of Loans and Receivables to Assets Held for sale (39,143)
Forbearance measures during the period 2,516,120
Interest income 461,778
Repayment of Loans and Receivables (partial or total) (381,259)
Loans and Receivables that exited forbearance status (690,530)
Impairment loss (1,428,743)
Other 115,912
Balance 31.12.2015 11,128,350
BALANCES WITH CENTRAL BANKS - DUE FROM BANKS - DERIVATIVE FINANCIAL INSTRUMENTS AND DEBT SECURITIES - Analysis per rating
31.12.2016
Balances with Central Banks Due from Banks Derivatives Financial Instruments Trading securities Available for sale securities Held to maturity securities Loans and receivables securities Total
AAA 10,500 225,118 367,753 603,371
AA+ to AA- 19,024 76,204 38,421 76,103 9,010 2,682,655 2,901,417
A+ to A- 1,026,939 136,252 3,402 19,241 1,185,834
BBB+ to BBB- 498,729 417,104 343,317 218,260 10,009 1,487,419
Lower than BBB- 370,653 138,786 116,033 2,256 4,162,180 6,739 4,796,647
Unrated 264,526 127,091 300 243,568 635,485
Exposure before impairment 1,163,432 2,011,242 634,323 2,256 5,071,266 44,999 2,682,655 11,610,173
31.12.2015
Balances with Central Banks Due from Banks Derivatives Financial Instruments Trading securities Available for sale securities Held to maturity securities Loans and receivables securities Total
AAA 81,429 381,202 9,013 471,644
AA+ to AA- 33,484 60,941 91,700 4,289,482 4,475,607
A+ to A- 1,286,856 248,578 258 47,884 1,583,576
BBB+ to BBB- 475,933 408,931 263,116 10,016 1,157,996
Lower than BBB- 702,332 67,535 483,140 1,888 4,677,289 12,796 5,944,980
Unrated 61,430 188,432 356 216,825 467,043
Exposure before impairment 1,321,124 1,985,238 793,015 1,888 5,630,390 79,709 4,289,482 14,100,846
BALANCES WITH CENTRAL BANKS - DUE FROM BANKS - DERIVATIVE FINANCIAL INSTRUMENTS AND DEBT SECURITIES - Analysis by asset
quality
31.12.2016
Balances with Central Banks Due from Banks Derivatives Financial Instruments Trading securities Available for sale securities Held to maturity securities Loans and receivables securities Total
Neither past due nor impaired 1,163,432 1,969,281 634,323 2,256 5,038,172 44,999 2,682,655 11,535,118
Past due but not impaired
Impaired 41,961 33,094 75,055
Exposure before impairment 1,163,432 2,011,242 634,323 2,256 5,071,266 44,999 2,682,655 11,610,173
Less: Allowance for impairment losses (41,961) (22,385) (64,346)
Net exposure 1,163,432 1,969,281 634,323 2,256 5,048,881 44,999 2,682,655 11,545,827
31.12.2015
Balances with Central Banks Due from Banks Derivatives Financial Instruments Trading securities Available for sale securities Held to maturity securities Loans and receivables securities Total
Neither past due nor impaired 1,321,124 1,976,273 793,015 1,888 5,561,806 79,709 4,289,482 14,023,297
Past due but not impaired
Impaired 8,965 68,584 77,549
Exposure before impairment 1,321,124 1,985,238 793,015 1,888 5,630,390 79,709 4,289,482 14,100,846
Less: Allowance for impairment losses (8,965) (57,874) (66,839)
Net exposure 1,321,124 1,976,273 793,015 1,888 5,572,516 79,709 4,289,482 14,034,007
The following tables present the financial instruments exposed to credit risk by financial sectors of the counterparties.
FINANCIAL INSTRUMENTS CREDIT RISK - Analysis by industry sector
31.12.2016
Financial Institutions and other financial services Manufacturing Construction and real estate Wholesale and retail trade Public sector/ Government securities/ Derivatives Transportation Shipping Hotels-Tourism Services and other sectors Retail and small businesses Total
Credit risk exposure relating to balance sheet items:
Balances with Central Banks 1,163,432 1,163,432
Due from banks 2,011,242 2,011,242
Loans and advances to customers 519,124 5,801,085 6,216,102 5,408,629 1,204,596 727,196 1,538,665 1,911,332 2,665,456 34,323,827 60,316,012
Derivative financial assets 174,519 10,578 79,891 754 342,737 1,579 10,709 13,556 634,323
Trading securities 2,256 2,256
Available for sale securities 472,348 217,570 21,539 4,117,545 242,264 5,071,266
Held to maturity securities 29,250 319 15,430 44,999
Loans and receivables securities 2,682,655 2,682,655
Total amount of balance sheet items exposed to credit risk (a) 7,052,570 6,029,233 6,296,312 5,430,922 5,682,564 727,196 1,540,244 1,922,041 2,921,276 34,323,827 71,926,185
Other balance sheet items not exposed to credit risk 541,782 49,819 174,049 49,265 6,087 83 8,388,947 293,652 9,503,684
Total assets 7,594,352 6,079,052 6,470,361 5,480,187 5,682,564 733,283 1,540,244 1,922,124 11,310,223 34,617,479 81,429,869
Credit risk exposure relating to off-balance sheet items:
Letters of guarantee, letters of credit and other guarantees 29,859 556,869 1,506,602 488,509 94,823 34,332 7,205 72,897 702,359 74,331 3,567,786
Undrawn loan agreements and credit limits that can not be recalled (committed) 50,645 133,553 94,349 216,187 494,734
Total amount of off-balance sheet items exposed to credit risk (b) 29,859 556,869 1,506,602 488,509 145,468 34,332 140.758 167,246 918,546 74,331 4,062,520
Total credit risk exposure (a+b) 7,082,429 6,586,102 7,802,914 5,919,431 5,828,032 761,528 1,681,002 2,089,287 3,839,822 34,398,158 75,988,705
31.12.2015*
Financial Institutions and other financial services Manufacturing Construction and real estate Wholesale and retail trade Public sector/ Government securities/ Derivatives Transportation Shipping Hotels-Tourism Services and other sectors Retail and small businesses Total
Credit risk exposure relating to balance sheet items:
Balances with Central Banks 1,321,124 1,321,124
Due from banks 1,985,238 1,985,238
Loans and advances to customers 230,611 5,938,102 6,390,258 5,353,835 1,413,004 371,850 1,835,910 1,868,639 3,747,971 34,864,735 62,014,915
Derivative financial assets 326,987 14,408 57,511 794 362,700 7 10,637 13,235 6,736 793,015
Trading securities 1,888 1,888
Available for sale securities 621,731 233,318 20,984 4,488,819 265,538 5,630,390
Held to maturity securities 60,389 337 18,983 79,709
Loans and receivables securities 4,289,482 4,289,482
Total amount of balance sheet items exposed to credit risk (a) 8,835,562 6,185,828 6,448,107 5,375,613 6,285,394 371,857 1,846,547 1,881,874 4,020,245 34,864,735 76,115,762
Other balance sheet items not exposed to credit risk 660,532 57,653 69,765 48,498 7,457 10,204 8,437,119 267,150 9,558,378
Total assets 9,496,094 6,243,481 6,517,872 5,424,111 6,285,394 379,314 1,846,547 1,892,078 12,457,364 35,131,885 85,674,140
Credit risk exposure relating to off-balance sheet items:
Letters of guarantee, letters of credit and other guarantees 34,858 624,432 1,669,331 548,840 132,428 61,914 966 97,415 802,935 2,186 3,975,305
Undrawn loan agreements and credit limits that can not be recalled (committed) 85,846 79,517 20,000 5,511 88,039 278,913
Total amount of off-balance sheet items exposed to credit risk (b) 34,858 710,278 1,748,848 548,840 152,428 61,914 6,477 97,415 890,974 2,186 4,254,218
Total credit risk exposure (a+b) 8,870,420 6,896,106 8,196,955 5,924,453 6,437,822 433,771 1,853,024 1,979,289 4,911,219 34,866,921 80,369,980
* The balancing figures of prior year were reclassified as described in note 49.
EXPOSURE IN CREDIT RISK FROM DEBT ISSUED BY THE PERIPHERAL EUROZONE COUNTRIES
Due to the prolonged turmoil in the Eurozone countries, and the issues which the Greek economy faces concerning the
services of the public debt, the Group monitors credit risk from its exposure to the Greek State as well as the remaining
peripheral countries.
i. Exposure to the Greek State
The table below presents the Group's total exposure in Greek Government securities:
31.12.2016 31.12.2015
Portfolio Nominal value Carrying amount Nominal value Carrying amount
Available for sale 4,175,594 3,589,720 4,659,672 3,930,081
Trading 2,861 2,256 2,783 1,888
Total 4,178,455 3,591,976 4,662,455 3,931,969
All Greek Government securities are classified in level 1 based on the quality of inputs used for the estimation of their
fair value.
Furthermore, the securities issued by public entities amounted to E 151.9 million on 31.12.2016 (31.12.2015: E 162.1
million)
The Group's exposure to Greek State from other financial instruments, excluding securities and loans and advances is
depicted in the tables below:
On balance sheet exposure
31.12.2016 31.12.2015
Carrying amount Carrying amount
Derivative financial instruments - assets 342,737 362,700
Derivative financial instruments - liabilities (59,299) (271,711)
Derivative financial assets from public sector entities amounted to E 8.4 million on 31.12.2016 (31.12.2015: E 16.6
million).
The Group exposure in loans to public entities/organizations on 31.12.2016 amounted E 1,112 million (31.12.2015: E 1,297.6
million). The Group for the above receivables has recognized impairment amounted to E 49.1 million on 31.12.2016
(31.12.2015: E 42.1 million).
In addition the balance of Group's loans guaranteed by the Greek State (directly guaranteed by Greek government, loans
guaranteed by TEMPE, Loans guaranteed by Common Ministerial Decisions) on 31.12.2016 amounted to E 720.6 million
(31.12.2015: E 764 million). For these loans the Bank has recognized impairment amounted to E 149.2 million on 31.12.2016
(31.12.2015: E 144.3 million).
Off balance sheet exposure
31.12.2016 31.12.2015
Nominal value Share value Nominal value Share value
Bonds used as collaterals for refinancing operation 56,373 57,162
ii. Exposure to other peripheral Eurozone countries debt
The Group holds in its available for sale portfolio, bonds and treasury bills of the Republic of Cyprus with a book value
of E 114.5 million (31.12.2015: E 96.9 million), bonds issued by the Italian Republic with a book value of E 9.8 million
(31.12.2015: E 6.9 million) and bonds issued by the Spanish Republic with a book value of E 10.8 million (31.12.2015: E 8
million).
As at 31.12.2016 the Group had no exposure to bonds issued by Portugal and Ireland.
41.2. Market risk
Market risk is the risk of losses arising from unfavourable changes in the value or volatility of interest rates, foreign
exchange rates, stock exchange indices, equity prices and commodities. Losses may also occur either from the trading
portfolio or from the Assets-Liabilities management.
i. Trading portfolio
The market risk is measured by the Value at Risk - VAR. The method applied for calculating Value at Risk is historical
simulation.
The Bank uses a holding period of one and ten days, depending on the time which is required for the liquidate of the
portfolio.
1 day value at risk, 99% confidence interval (2 years historical data)
(Amounts in Euro)
2016 2015
Foreign Interest Price risk Covariance Total Total
currency risk rate risk
31 December 1,216,957 174,020 79,163 (221,350) 1,248,790 1,815,473
Average daily value (annual) 1,752,271 117,635 27,930 (133,385) 1,764,451 1,725,496
Maximum daily value (annual)* 1,992,659 89,315 31,773 (115,652) 1,998,095 3,144,948
Minimum daily value (annual)* 1,216,957 174,020 79,163 (221,350) 1,248,790 741,067
* relating to the total value at risk within one year
The above items concern the Bank. The Group's subsidiaries and branches have limited trading positions, which are
immaterial compared to the positions of the Bank. As a result, the market risk effect deriving from these positions on the
total income, is immaterial.
The Value at Risk methodology is complemented with scenario analysis and stress testing, in order to estimate the potential
size of losses that could arise from the trading portfolio for hypothetical as well as historical extreme movements of
market parameters (stress-testing).
Within the scope of policy-making for financial risk management, exposure limits, maximum loss (stop loss) and value at
risk for various products of the trading positions have been set.
In particular the following limits have been set for the following risks:
• Foreign currency risk regarding spot and forward positions and FX options
• Interest rate risk regarding positions on bonds, Interest Rate Swaps, Interest Futures, Interest Options
• Price risk regarding positions in shares, index Futures and options, Commodity Futures and Swaps
• Credit risk regarding interbank transactions and bonds
Positions held in these products are monitored on a daily basis and are examined for the corresponding limit percentage
cover and for any limit excess.
ii. The financial risks of the banking portfolio
The financial risks of the banking portfolio derive from the structure of assets and liabilities and primarily from the
portfolio of loans and deposits of the Group. The financial risks of the banking portfolio concern foreign exchange risk,
interest rate risk and liquidity risk.
a. Foreign currency risk
The Bank takes on the risk arising from the fluctuations in foreign exchange rates.
The management of foreign currency position is centralized.
The policy of the Bank is the positions to be closed immediately using spot transactions or currency derivatives. In case
that positions are still open, they are daily monitored by the competent department and they are subject to limits. The
total position arises from the net balance sheet position and derivatives forward position as presented in the tables
below.
31.12.2016
USD GBP CHF JPY RON RSD Other FC Euro Total
ASSETS
Cash and balances with Central Banks 10,203 19,677 504 23 137,060 17,506 1,329,634 1,514,607
Due from banks 192,636 2,764 21,687 6,796 20,999 16,657 12,229 1,695,513 1,969,281
Trading securities 1 4,700 4,701
Derivative financial assets 634,323 634,323
Loans and advances to customers 1,796,851 395,932 1,681,322 30,864 761,657 7,358 101,171 39,633,605 44,408,760
Investment securities
- Available for sale 148,572 17,521 244,825 82,034 4,724,101 5,217,053
- Held to maturity 6,991 6,338 31,670 44,999
- Loans and receivables 2,682,655 2,682,655
Investments in associates and joint ventures 21,792 21,792
Investment property 144,208 52,113 417,771 614,092
Property, plant and equipment 1,640 25,472 3,640 6,712 756,504 793,968
Goodwill and other intangible assets 281 1,618 167 369,248 371,314
Deferred tax assets 926 722 4,517,398 4,519,046
Other assets 7,094 (2,989) 20,570 2 12,316 1,622 7,246 1,404,598 1,450,459
Assets held for sale 13,869 2,431 557,521 51,395 625,216
Total Assets 2,169,226 434,826 1,724,083 37,685 1,358,503 586,798 286,238 58,274,907 64,872,266
LIABILITIES
Due to banks and customers 1,763,230 243,494 42,787 1,347 969,440 141 395,815 48,635,439 52,051,693
Derivative financial liabilities 1,336,227 1,336,227
Debt securities in issue and other borrowed funds 254,456 362,409 616,865
Liabilities for current income tax and other taxes 392 5,117 7 461 27,801 33,778
Deferred tax liabilities 102 4,470 110 579 15,958 21,219
Employee defined benefit obligations 91,828 91,828
Other liabilities and liabilities related to Assets held for sale 7,558 (2,332) 5,952 556 2,774 408,762 3,514 858,755 1,285,539
Provisions 98 2 1 2,853 1,729 317,021 321,704
Total liabilities 2,025,342 241,658 48,740 1,903 984,654 409,020 402,098 51,645,438 55,758,853
Net balance sheet position 143,884 193,168 1,675,343 35,782 373,849 177,778 (115,860) 6,629,469 9,113,413
Derivatives forward foreign exchange position (118,002) (195,742) (1,673,390) (35,214) (239,078) (1,006) 196,100 1,980,992 (85,340)
Total Foreign exchange position 25,882 (2,574) 1,953 568 134,771 176,772 80,240 8,610,461 9,028,073
Undrawn loan agreements and credit limits that can not be recalled (committed) 133,553 - - - 47,307 11,656 - 302,218 494,734
31.12.2015*
USD GBP CHF JPY RON RSD Other FC Euro Total
ASSETS
Cash and balances with Central Banks 45,714 46,726 945 20 141,999 66,804 21,402 1,406,717 1,730,327
Due from banks 231,755 (107,501) 12,499 3,950 39,199 (368) 18,685 1,778,054 1,976,273
Trading securities 1 238 2,540 2,779
Derivative financial assets 793,015 793,015
Loans and advances to customers 1,794,260 428,223 1,837,068 32,198 603,949 95,135 74,763 41,320,520 46,186,116
Investment securities
- Available for sale 131,592 32,750 245,117 92,729 66,021 5,226,275 5,794,484
- Held to maturity 9,971 69,738 79,709
- Loans and receivables 4,289,482 4,289,482
Investments in associates and joint ventures 45,771 45,771
Investment property 173,520 11,271 32,500 406,371 623,662
Property, plant and equipment 2,073 25,220 20,966 36,784 775,858 860,901
Goodwill and other intangible assets 220 966 1,463 135 342,367 345,151
Deferred tax assets 2,162 3,661 929 4,391,424 4,398,176
Other assets 7,318 2,530 3,061 2 6,913 3,191 1,485,618 1,508,633
Assets held for sale 2,455 660,608 663,063
Total Assets 2,210,640 405,021 1,853,573 36,170 1,241,738 294,852 261,190 62,994,358 69,297,542
LIABILITIES
Due to banks and customers 1,709,533 264,304 31,687 1,005 815,445 102,068 382,180 53,243,407 56,549,629
Derivative financial liabilities 1,550,529 1,550,529
Debt securities in issue and other borrowed funds 345,574 55,155 400,729
Liabilities for current income tax and other taxes 479 1,706 488 431 35,088 38,192
Deferred tax liabilities 4,281 40 403 16,128 20,852
Employee defined benefit obligations 214 108,336 108,550
Other liabilities and liabilities related to Assets held for sale 15,622 1,734 3,301 524 10,543 2,514 1,140 1,242,026 1,277,404
Provisions 5,196 1,139 1,681 290,442 298,458
Total liabilities 2,070,729 266,517 34,988 1,529 837,171 106,463 385,835 56,541,111 60,244,343
Net balance sheet position 139,911 138,504 1,818,585 34,641 404,567 188,389 (124,645) 6,453,247 9,053,199
Derivatives forward foreign exchange position (130,085) (102,446) (1,648,064) (30,065) (21,265) 7,412 195,518 1,529,328 (199,667)
Total Foreign exchange position 9,826 36,058 170,521 4,576 383,302 195,801 70,873 7,982,575 8,853,532
Undrawn loan agreements and credit limits that can not be recalled (committed) 5,511 22,975 22,388 228,039 278,913
* Certain figures of the comparative year have been restated as noted in note 49.
The net foreign exchange position on 31.12.2016 presents the following sensitivity analysis:
Currency Exchange rate variation scenario against Euro (% Impact on net income before tax Impact on Equity
USD 5% Depreciation EUR against USD 1,362
5% Appreciation EUR against USD (1,233)
GBP 5% Depreciation EUR against GBP (135)
5% Appreciation EUR against GBP 123
CHF 5% Depreciation EUR against CHF 103
5% Appreciation EUR against CHF (93)
JPY 5% Depreciation EUR against JPY 30
5% Appreciation EUR against JPY (27)
AUD 5% Depreciation EUR against AUD 44
5% Appreciation EUR against AUD (40)
RON 5% Depreciation EUR against RON 7,093
5% Appreciation EUR against RON (6,418)
RSD 5% Depreciation EUR against RSD 9,304
5% Appreciation EUR against RSD (8,418)
ALL 5% Depreciation EUR against ALL 45
5% Appreciation EUR against ALL (41)
b. Interest rate risk
In the context of analysis of the Banking portfolio, Interest Rate Gap Analysis is performed. In particular, assets and
liabilities are allocated into time bands (Gaps) according to their repricing date for variable interest rate instruments,
or according to their maturity date for fixed rate instruments.
An interest rate gap analysis of Assets and Liabilities is set out in the table below:
31.12.2016
< 1 month 1 to 3 to 6 to 1 to > 5 years Non-interest bearing Total
3 months 6 months 12 months 5 years
ASSETS
Cash and balances with Central Banks 858,659 655,948 1,514,607
Due from Banks 1,412,045 375,067 21,334 1,930 158,905 1,969,281
Securities helf for trading 222 518 1,516 2,445 4,701
Derivative financial assets 634,323 634,323
Loans and advances to customers 23,533,657 6,547,771 2,541,640 1,365,640 6,520,234 3,899,818 44,408,760
Investment securities
- Available for sale 346,599 663,162 1,012,010 277,939 1,215,539 1,568,485 133,319 5,217,053
- Held to maturity 319 1,884 12,244 1,525 9,777 19,250 44,999
- Loans and receivables 1,964,564 171,048 547,043 2,682,655
Investments in associates and joint ventures 21,792 21,792
Investment property 614,092 614,092
Property, plant and equipment 793,968 793,968
Goodwill and other intangible assets 371,314 371,314
Deferred tax assets 4,519,046 4,519,046
Other assets 1,450,459 1,450,459
Non-current assets held for sale 524,080 101,136 625,216
Total Assets 26,785,602 7,587,884 6,075,872 1,645,326 7,919,046 6,195,017 8,663,519 64,872,266
LIABILITIES
Due to banks 17,242,163 312,898 52,273 1,498,243 19,105,577
Derivative financial liabilities 1,336,227 1,336,227
Due to customers 6,786,681 4,650,913 6,524,205 2,884,014 7,596,146 4,500,130 4,027 32,946,116
Debt securities in issue held by institutional investors and other borrowed funds 227,486 376,521 12,858 616,865
Liabilities for current income tax and other taxes 33,778 33,778
Deferred tax liabilities 21,219 21,219
Employee defined benefit obligations 91,828 91,828
Other liabilities 879,185 879,185
Provisions 321,704 321,704
Liabilities related to assets held for sale 402,002 4,352 406,354
Total Liabilities 25,592,557 5,340,332 6,991,338 2,884,014 9,094,389 4,500,130 1,356,093 55,758,853
EQUITY
Share capital 461,064 461,064
Share premium 10,790,870 10,790,870
Reserves 332,061 332,061
Retained earnings (2,506,711) (2,506,711)
Non-controlling interests 20,997 20,997
Hybrid securities 15,132 15,132
Total Equity 9,113,413 9,113,413
Total Liabilities and Equity 25,592,557 5,340,332 6,991,338 2,884,014 9,094,389 4,500,130 10,469,506 64,872,266
Open exposure 1,193,045 2,247,552 (915,466) (1,238,688) (1,175,343) 1,694,887 (1,805,987)
Cumulative exposure 1,193,045 3,440,597 2,525,131 1,286,443 111,100 1,805,987
31.12.2015*
< 1 month 1 to 3 to 6 to 1 to > 5 years Non-interest bearing Total
3 months 6 months 12 months 5 years
ASSETS
Cash and balances with Central Banks 1,123,073 607,254 1,730,327
Due from Banks 1,463,112 324,983 1,762 1,550 22,586 161,020 1,260 1,976,273
Securities helf for trading 350 1,538 891 2,779
Derivative financial assets 793,015 793,015
Loans and advances to customers 22,853,610 7,174,432 2,787,093 1,358,749 7,761,777 4,250,455 46,186,116
Investment securities
- Available for sale 525,269 1,227,726 987,027 125,556 1,319,479 1,422,276 187,151 5,794,484
- Held to maturity 337 6,112 54,002 19,258 79,709
- Loans and receivables 4,289,482 4,289,482
Investments in associates and joint ventures 45,771 45,771
Investment property 623,662 623,662
Property, plant and equipment 860,901 860,901
Goodwill and other intangible assets 345,151 345,151
Deferred tax assets 4,398,176 4,398,176
Other assets 1,508,633 1,508,633
Non-current assets held for sale 663,063 663,063
Total Assets 26,758,416 8,727,141 8,071,476 1,485,855 9,158,194 5,854,547 9,241,913 69,297,542
LIABILITIES
Due to banks 23,059,899 252,111 2,876 1,800,477 25,115,363
Derivative financial liabilities 1,550,529 1,550,529
Due to customers 6,298,049 5,120,140 5,851,901 2,284,717 7,651,060 4,224,596 3,803 31,434,266
Debt securities in issue held by institutional investors and other borrowed funds 340,227 23,912 11,990 24,600 400,729
Liabilities for current income tax and other taxes 38,192 38,192
Deferred tax liabilities 20,852 20,852
Employee defined benefit obligations 108,550 108,550
Other liabilities 910,623 910,623
Provisions 298,458 298,458
Liabilities related to assets held for sale 366,781 366,781
Total Liabilities 31,248,704 5,396,163 5,866,767 2,284,717 9,476,137 4,224,596 1,747,259 60,244,343
EQUITY
Share capital
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