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Financial statements and reports

 


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Consolidated financial statements as at 31 December 2017

 

Summary data as at:

08/03/2018

 

Reclassified consolidated income statement

31.12.2017 (€/thousands)

31.12.2016 (€/thousands)

Var %

Net interest income

1,124,479

1,170,447

-3.93

Net commission income

740,628

712,722

+3.92

Operating income

2,038,847

2,067,278

-1.38

Operating costs

1,296,518

1,266,961

+2.33

Net operating income

742,239

800,317

-7.25

Net impairement adjustment to loans

535,975

619,750

-13.52

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

176,438

14,299

--

 

 

Profitability ratios

31.12.2017

31.12.2016 

ROE

3.62%

0.30%

ROTE

4.04%

0.33%

Cost to income ratio (*)

63.59%

61.29%

(*) 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

31.12.2017

31.12.2016

Number of employees

11,653

11,635

Number of national bank branches

1,218

1,200

 

 

Risk ratios

31.12.2017

31.12.2016

Non - performing exposures / net loans to customers

11.30%

13.62%

Net bad loans / net loans to customers

6.05%

6.61%

 

 

Capital and liquidity ratios 

31.12.2017

    31.12.2016

CET 1 Ratio Phased in

13.89%

13.80%

Tier 1 Ratio - Phased in

13.97%

13.89%

Total Capital Ratio - Phased in

16.69%

15.21%

CET 1 Ratio Fully Phased

13.68%

13.27%

Leverage Ratio - Phased in

6.0%

6.7%

Leverage Ratio - Fully Phased

6.1%

6.5%

 

 

Description

31.12.2017(€/milions)

31.12.2016 (€/milions)

Var %

Loans to customers

47,815

45,494

+5.10

Intangible assets

507

521

-2.73

of which: goodwill

327

355

-7.98

Total assets

71,338

64,960

+9.82

Direct customers deposit

50,246

47,748

+5.23

Indirect customer deposit

35,865

32,871

+9.11

 of which managed

19,754

16,286

+21.30

of which administered

16,110

16,585

2.86

Bancassurance

4,788

4,435

+7.96

Total shareholders' equity

5,717

5,556

+2.90







Consolidated interim report on operations as at 30.09.2017 (2,256 KB)
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 (161 KB)
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