Chinaware and cooking utensils all included. Kitchen is fully equipped with gas hob, electric oven, microwave, fridge-freezer, washer-dryer and toaster. Spacious open plan living-kitchen-diner with wood floors throughout. There is a direct bus route to Oxford city and easy access to Oxford Ring Road. Net trading income increased from euro 5 million to euro 8 million.Ash Grove is a spacious four bedroom short stay family home to rent in the Headington area of Oxford.
The Non-core Business segment was responsible for euro 4 million (VB RO euro 2 million) of this decline. Net fee and commission income in the first quarter of 2012 was euro 20 million, down euro 5 million year-on-year.
Net interest income remains below the previous year's level in the Investment Book/Other Operations segment since, in view of VBAG´s conservative policy on interest-rate risks, maturing investments were not fully replaced. Euro 32 million of the decline is attributable to VB RO and euro 12 million to other areas of the Non-core Business segment. Net interest income amounted to euro 56 million in the first quarter of 2012, down euro 60 million year-on-year. Adjusted for the disposal group, the number of employees fell by 56 since the end of 2011 to 1,982. In addition to VB RO, which was responsible for euro 14 million of the decrease, cost savings were achieved particularly in the Investment Book/Other Operations segment. General administrative expenses were reduced by euro 23 million to a total of euro 65 million. VB RO was responsible for euro 18 million of the decrease and the corporates business area within the Non-core Business segment for euro 4 million. Risk provisions for the first quarter of 2012 amounted to euro 22 million (Q1 2011: euro 45 million). The 1-3/2011 result for Volksbank Romania (VB RO), which has been measured at equity as of October 2011, is included in the result for the comparative period.
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