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Half-Year Financial Report 2010

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					DZ BANK Group - Half-Year Financial Report 2010
Segment information 1.1.-30.6.2010




€ million                                                                                                       Bank Retail Real Estate   Insurance   Consolidation/    Total
                                                                                                                                Finance                reconciliation

Net interest income                                                                                              624    271        557           –              -203    1,249
Allowances for losses on loans and advances                                                                       -30    -46        -60          –                 –     -136
Net fee and commission income                                                                                    219    461         -83          –               -54     543
Gains and losses on trading activities                                                                           572      1         -44          –                -1     528
Gains and losses on investments                                                                                  -257     2         -54          –                 3     -306
Other gains and losses on valuation of financial instruments                                                       -4     6        -180          –                16     -162
Premiums earned                                                                                                    –      –          –       5,470                 –    5,470

Gains and losses on investments held by insurance companies and other insurance company gains and losses           –      –          –       1,504               -30    1,474
Insurance benefit payments                                                                                         –      –          –       -5,860                – -5,860
Insurance business operating expenses                                                                              –      –          –        -990                55     -935
Administrative expenses                                                                                          -687   -398       -234          –                85 -1,234
Other net operating income                                                                                        39     15         15           -2              -82      -15
Profit/loss before taxes                                                                                         476    312         -83        122              -211     616
Cost/income ratio (%)                                                                                            57.6   52.6    > 100.0          –                 –     62.1




                                                                                       DZ BANK Group, Half-Year Financial Report 2010, Segment inform. 1.1.-30.6.10

				
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