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Financial statements and reports

 


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Consolidated interim report as at 30 September 2016

 

Summary data as at:

10/11/2016

 

Reclassified consolidated income statement

30.09.2016 (€/thousands)

    30.09.2015 (€/thousands)

Var %

Net interest income

876,104

924,501

-5.23

Net commission income

532,921

537,697

-0.89

Operating income

1,553,998

1,595,355

-2.59

Operating costs

939,860

973,201

-3.43

Net operating income

614,138

622,154

-1.29

Net impairement adjustment to loans

400,680

424,897

-5.70

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

101,160

82,586

+22.49

 

 

Profitability ratios

30.09.2016

30.09.2015 (*)

ROE

2.77%

4.57%

ROTE

3.10%

5.10%

Cost to income ratio (**)

60.48%

61.00%

(*) ROE and the 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

30.09.2016

31.12.2015

Number of employees

11,426

11,447

Number of national bank branches

1,175

1,216

 

 

Risk ratios

30.09.2016

31.12.2015

Non - performing exposures / net loans to customers

14.56%

14.54%

Net bad loans / net loans to customers

6.80%

6.81%

 

 

Capital and liquidity ratios (*)

30.09.2016

    31.12.2015

CET 1 Ratio Phased in

14.47%

11.54%

Tier 1 Ratio - Phased in

14.56%

11.65%

Total Capital Ratio - Phased in

15.98%

12.80%

CET 1 Ratio Fully Phased

14.13%

11.21%

Leverage Ratio - Phased in

7.1%

7.1%

Leverage Ratio - Fully Phased

6.9%

6.9%

(*) The comparative ratios at 31 December 2015 are presented in the pro-forma version, taking into account the share of profit realized in the second half of 2015 that is allocable to equity (€ 118.6 milion, equal to around 30 bps)

 

Description

30.09.2016 (€/milions)

31.12.2015 (€/milions)

Var %

Loans to customers

43,630

43,703

-0.17

Intangible assets

505

515

-1.93

of which: goodwill

377

380

-0.86

Total assets

62,633

61,261

+2.24

Direct customers deposit

45,574

47,256

-3.56

Indirect customer deposit

32,854

30,374

+8.16

 of which managed

15,670

14,726

+6.41

of which administered

17,184

15,648

+9.81

Bancassurance

4,275

3,766

+13.50

Total shareholders' equity

5,718

5,652

+1.18







Consolidated interim report on operations as at 30 September 2016 (8,338 KB)
Consolidated half-year report as at 30 June 2016 (8,437 KB)
Consolidated interim report on operations as at 31 March 2016 (3,121 KB)
Financial statements 3Q2016 (106 KB)
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