Consolidated balance sheet as at 31 December 2020

Before appropriation of profit	Note^*	2020	2019
in thousands of EUR

ASSETS
Cash and cash equivalents	1	2,955,787	2,269,983
Loans and advances to banks	2	150,563	227,591
Loans and advances to customers	3	9,156,710	8,209,014
Debt securities at amortised cost	4	1,317,301	1,034,291
Investment securities	5	31,214	24,299
Intangible assets	6	45,763	41,543
Property and equipment	7	101,490	120,696
Investment property	8	10,914	11,012
Right-of-use assets	9	19,346	21,355
Non-trading derivatives	10	1,795	8,722
Deferred Tax Assets	30	14,864	16,098
Current tax receivable	30	1,764	-
Other assets	11	61,914	86,787
Non-current Assets Held for Sale	12	18,972	10,197

Total assets		13,888,397	12,081,588

LIABILITIES
Deposits from banks	13	815,140	70,720
Deposits from customers	14	11,747,207	10,693,699
Lease liabilities	9	19,963	22,078
Non-trading derivatives	10	10,452	15,063
Deferred Tax Liabilities	30	4,337	9,065
Current tax liabilities	30	16,540	14,815
Other liabilities	15	55,794	49,744
Debt issued and other borrowed funds	16	6,368	-
Provisions	17	4,384	5,477

Total liabilities		12,680,185	10,880,661



Share Capital	18	723,353	720,088
Share premium reserve	18	200,811	198,626
Translation reserve	18	-4,385	-3,354
Cost of hedging reserve	18	-55	123
Fair value reserve	18	-2,025	1,938
Other reserve	18	43,806	38,914
Retained earnings	18	219,504	205,587
Result for the period	18	27,203	39,005

Equity		1,208,212	1,200,927

Total equity and liabilities		13,888,397	12,081,588

Contingent liabilities	19	73,104	107,495
Irrevocable facilities	20	1,936,333	1,402,450

		2,009,437	1,509,945

^* Reference to the notes to the consolidated financial statements. These form an integral part of the consolidated financial statements.

Integrated Annual Report 2020