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Financial statements and reports

 


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Consolidated interim report as at 30 June 2017

 

Summary data as at:

03/08/2017

 

Reclassified consolidated income statement

30.06.2017 (€/thousands)

 30.06.2016 (€/thousands)

Var %

Net interest income

570,119

590,376

-3.43

Net commission income

359,224

358,118

+0.31

Operating income

1,015,608

1,054,006

-3.64

Operating costs

627,865

639,651

-1.84

Net operating income

387,743

414,355

-6.42

Net impairement adjustment to loans

323,232

276,102

+17.07

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

119,062

64,742

+83.90

 

 

Profitability ratios

30.06.2017

2016 (*)

ROE

4.94%

0.30%

ROTE

5.53%

0.33%

Cost to income ratio (**)

61.82%

60.69%

(*) 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

30.06.2017

31.12.2016

Number of employees

12,014

11,635

Number of national bank branches

1,282

1,200

 

 

Risk ratios

30.06.2017

31.12.2016

Non - performing exposures / net loans to customers

12.47%

13.62%

Net bad loans / net loans to customers

6.24%

6.61%

 

 

Capital and liquidity ratios 

30.06.2017

    31.12.2016

CET 1 Ratio Phased in

13.38%

13.80%

Tier 1 Ratio - Phased in

13.47%

13.89%

Total Capital Ratio - Phased in

16.16%

15.21%

CET 1 Ratio Fully Phased

13.17%

13.27%

Leverage Ratio - Phased in

6.2%

6.7%

Leverage Ratio - Fully Phased

6.1%

6.5%

 

 

Description

30.06.2017(€/milions)

31.12.2016 (€/milions)

Var %

Loans to customers

46,997

45,494

+3.30

Intangible assets

514

521

-1.28

of which: goodwill

355

355

-

Total assets

70,512

64,960

+8.55

Direct customers deposit

46,628

47,748

+1.84

Indirect customer deposit

34,833

32,871

+5.97

 of which managed

18,644

16,286

+14.48

of which administered

16.189

16,585

-2.39

Bancassurance

4,718

4,435

+6.46

Total shareholders' equity

5,635

5,556

+1.42







Consolidated interim report as at 31.03.2017 (1,922 KB)
Financial Statement 2017 (155 KB)
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