Segment Report

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Segment Report by Division                 € k
    2nd quarter 2006   6 months 2006
    Banking   Retail   Group   Banking   Retail   Group
Net sales to external customers   277,196   177,787   454,983   567,596   375,556   943,152
    (225,527)   (160,265)   (385,792)   (484,822)   (356,117)   (840,939)
Operating profit (EBITA)   27,481   9,157   36,638   56,367   18,814   75,181
    (21,908)   (6,305)   (28,213)   (47,485)   (15,273)   (62,758)
Investments in property rights, licenses and property, plant and equipment   9,380   1,954   11,334   14,391   3,610   18,001
    (4,016)   (2,717)   (6,733)   (8,026)   (4,757)   (12,783)
Amortization/depreciation of property rights, licenses and property,
plant and equipment		   6,475   2,415   8,890   12,462   4,683   17,145
    (5,365)   (2,437)   (7,802)   (9,774)   (4,399)   (14,173)
Research and development expenses   12,248   8,838   21,086   24,498   16,083   40,581
    (12,391)   (7,780)   (20,171)   (23,031)   (14,434)   (37,465)

Comparative figures for the period from January 1, 2005 to March 31, 2005 and from October 1, 2004 to March 31, 2005 are given in parentheses.

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Reconciliation of Segment Profit to Group Profit         € k
    2nd quarter   6 months
    2006   2005   2006   2005
Operating profit (EBITA)   36,638   28,213   75,181   62,758
Goodwill amortization   0   0   0   0
Operating profit (EBIT)   36,638   28,213   75,181   62,758
Profit charges arising from the carve-out   –5,245   –5,666   –11,030   –14,291
Financial result   –2,337   –3,944   –6,314   –9,042
Net profit on ordinary activities   29,056   18,603   57,837   39,425
Taxes   –11,037   –7,218   –21,989   –15,339
Profit after taxes   18,019   11,385   35,848   24,086
Minority interests   20   –55   360   –161
Net profit for the period   18,039   11,330   36,208   23,925

The operating profit (EBITA) is stated here as the net profit before taking into account the profit charges arising from the carve-out, which result from the amortization of product know-how acquired in the course of the carve-out. Since the product know-how is used by both segments, this amortization was not divided across both the segments, Retail and Banking, as in previous years.

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Regional Performance               € k
    2nd quarter   6 months
    2006   2005   2006   2005
Germany   129,842   105,327   253,446   220,503
in % of total net sales   28.5   27.3   26.9   26.2
Europe (w/o Germany)   230,630   204,842   496,046   465,342
in % of total net sales   50.7   53.1   52.6   55.3
America   31,092   28,445   70,329   58,214
in % of total net sales   6.8   7.4   7.4   6.9
Asia/Pacific/Africa   63,419   47,178   123,331   96,880
in % of total net sales   14.0   12.2   13.1   11.6
Total   454,983   385,792   943,152   840,939