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Financial statements and reports

 


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Consolidated interim report as at 30 September 2017

 

Summary data as at:

08/11/2017

 

Reclassified consolidated income statement

30.09.2017 (€/thousands)

 30.09.2016 (€/thousands)

Var %

Net interest income

850,337

876,104

-2.94

Net commission income

544,026

532,921

+2.08

Operating income

1,525,189

1,553,998

-1.85

Operating costs

947,639

939,860

+0.83

Net operating income

577,550

614,138

-5.96

Net impairement adjustment to loans

412,954

400,680

+3.06

Profit (Loss) for the period pertaining to the Parent Company

148,958

101,160

+47.25

 

 

Profitability ratios

30.09.2017

2016 (*)

ROE

4.09%

0.30%

ROTE

4.57%

0.33%

Cost to income ratio (**)

62.13%

60.48%

(*) ROE and ROTE are calculated on a yearly basis

(**) The Cost to income ratio has been calculated on the basis of the layout of the reclassified income statement (operating expenses / operating income)

 

 

Structural ratios

30.09.2017

31.12.2016

Number of employees

11,724

11,635

Number of national bank branches

1,282

1,200

 

 

Risk ratios

30.09.2017

31.12.2016

Non - performing exposures / net loans to customers

12.10%

13.62%

Net bad loans / net loans to customers

6.23%

6.61%

 

 

Capital and liquidity ratios 

30.09.2017

    31.12.2016

CET 1 Ratio Phased in

14.03%

13.80%

Tier 1 Ratio - Phased in

14.11%

13.89%

Total Capital Ratio - Phased in

16.89%

15.21%

CET 1 Ratio Fully Phased

13.81%

13.27%

Leverage Ratio - Phased in

6.2%

6.7%

Leverage Ratio - Fully Phased

6.1%

6.5%

 

 

Description

30.09.2017(€/milions)

31.12.2016 (€/milions)

Var %

Loans to customers

46,907

45,494

+3.11

Intangible assets

515

521

-1.15

of which: goodwill

355

355

-

Total assets

70,297

64,960

+8.22

Direct customers deposit

49,311

47,748

+3.27

Indirect customer deposit

35,528

32,871

+8.08

 of which managed

19,191

16,286

+17.83

of which administered

16,337

16,585

-1.49

Bancassurance

4,738

4,435

+6.84

Total shareholders' equity

5,684

5,556

+2.32







Consolidated half-year report as at 30.06.2017 (2,836 KB)
Consolidated interim report as at 31.03.2017 (1,922 KB)
Financial Statement 2017 (157 KB)
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