Moody’s ratings: Ratings as of May 2008 on long-term deposits, short-term deposits, and financial strength respectively. Where there is no deposit rating on the group, the rating refers to the major bank within the group.
Shareholder equity: the sum of issued common stock, capital surplus/premium, statutory reserve, legal reserve, revaluation reserve, contingency reserves (including EU “fund for general banking risk”), retained earnings, net profit for the year and minority interest. Where consolidated data are used, shareholder equity includes group equity attributable to minorities.
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