Faktem je, že ještě nic nebylo dojednáno a podmínky poskytnutých peněz nejsou známy. Dalším faktem je, že by přece jen úrok byl 8%, tak to neznamená, že by to erste stálo těch 8%. Důvod je v tom, že pokud poskytne stát kapitál a stane se např. na dobu 5 let tichým společníkem, tak banka získá přístup k dalším penězům od centrální banky s úrokem třeba 2%. Podle tuším Basilejských kritérií musí banky krýt celková aktiva asi 10 %, tzn. že když si půjčí 2,7 mld. €, tak si pak mohou půjčit dalších 24,3 mld. € s úrokem třeba 2% a to už je jiný kafe. To se udá na rostoucích trzích v Rumunsku a jinde, tam úvěry ještě nějakou dobu porostou a penízky budou potřeba.
“Our client focus combined with the favourable geographic position willcontinue to have a positive influence on our core loan and depositbusiness in the coming year”, stated Treichl, who continued: “in thecurrent economic environment there is no region in which, as a banker,I would more prefer to be than in our countries. Although the corecountries of Erste Group´s region like Czech Republic, Slovakia,Romania and Austria, do have their individual problems, overall theyare much better placed to manage this crisis than the rest of Europe.In addition, the solid, continuous earnings growth, even in difficulttimes, shows the strength of a retail-oriented business model."
Overall, Erste Group is forecasting an improvement in operating resultof around 10% in 2009. In support of this goal are cost savingsinitiatives, which will limit cost growth to a maximum of 3.5%.
Inview of the economic conditions Erste Group is expecting risk costs ofbetween 90bp - 120bp for 2009 (according to lending volumes).
Thenegotiations concerning the participation capital offered by theRepublic of Austria are not yet finalized, but following the recent EUapproval of the Austrian banking measures are expected to be concludedby the beginning of 2009 at the latest.