a member of the interim report as september 30 2005 at glance 2 sep dec 31 2004 in m balance sheet total 86 289 79 461 subscribed capital and reserves 699 654 profit sharing certificates 314 319 subordinated liabilities 341 358 claims outstanding mortgage loans 7 100 258 public sector 35 636 33 102 securities issued by other borrowers 308 588 5 495 047 to banks 15 211 041 customers 3 623 4 160 securitized 65 600 58 399 new lending commitments 850 1 821 8 386 187 9 429 loss account net interest income 200 164 commission 195 157 general operating expenses 24 6 22 result before provision for possible loan losses 172 135 49 0 124 113 dear business colleagues