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Financial statements and reports

 


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Consolidated interim report as at 31 March 2017

 

Summary data as at:

09/05/2017

 

Reclassified consolidated income statement

31.03.2017 (€/thousands)

    31.03.2016 (€/thousands)

Var %

Net interest income

288,114

296,800

-2.93

Net commission income

177,373

177,083

+0.16

Operating income

500,733

505,169

-0.87

Operating costs

309,438

314,795

-1.70

Net operating income

191,335

190,374

+0.50

Net impairement adjustment to loans

133,573

114,167

+17.00

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

14,558

30,975

-53.00

 

 

Profitability ratios

31.03.2017

2016 (*)

ROE

1.22%

0.30%

ROTE

1.36%

0.33%

Cost to income ratio (**)

61.79%

62.31%

(*) 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

31.03.2017

31.12.2016

Number of employees

11,196

11,635

Number of national bank branches

1,200

1,200

 

 

Risk ratios

31.03.2017

31.12.2016

Non - performing exposures / net loans to customers

13.14%

13.62%

Net bad loans / net loans to customers

6.44%

6.61%

 

 

Capital and liquidity ratios 

31.03.2017

    31.12.2016

CET 1 Ratio Phased in

13.33%

13.80%

Tier 1 Ratio - Phased in

13.43%

13.89%

Total Capital Ratio - Phased in

14.66%

15.21%

CET 1 Ratio Fully Phased

13.11%

13.27%

Leverage Ratio - Phased in

6.2%

6.7%

Leverage Ratio - Fully Phased

6.1%

6.5%

 

 

Description

31.03.2017(€/milions)

31.12.2016 (€/milions)

Var %

Loans to customers

45,694

45,494

+0.44

Intangible assets

512

518

-1.07

of which: goodwill

362

362

-

Total assets

67,883

64,957

+4.51

Direct customers deposit

46,602

47,748

-2.40

Indirect customer deposit

33,654

32,871

+2.38

 of which managed

17,113

16,286

+5.07

of which administered

16,541

16,585

-0.27

Bancassurance

4,535

4,435

+2.27

Total shareholders' equity

5,535

5,556

-0.37







Financial Statement 2017 (151 KB)
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