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Financial statements and reports

 


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Consolidated financial interim report as at 31 March 2018

 

Summary data as at:

08/05/2018

 

Reclassified consolidated income statement

31.03.2018 (€/thousands)

31.03.2017 €/thousands)

Var %

Net interest income

293,234

288,114

+1.78

Net commission income

198,120

177,373

+11.70

Operating income

657,057

500,773

+31.21

Operating costs

331,158

309,438

+7.02

Net operating income

325,889

191,335

+70.33

Net impairement adjustment to loans

26,141

133,573

-80.43

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

251,023

14,558

--

 

 

Profitability ratios

31.03.2018

31.03.2017 (*)

ROE

22.68%

3.62%

ROTE

25.54%

4.04%

Cost to income ratio (**)

50.40%

61.79%

(*) 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

31.03.2018

31.12.2017

Number of employees

11,670

11,653

Number of national bank branches

1,220

1,218

 

 

Risk ratios

31.03.2018

31.12.2017

Non - performing exposures / net loans to customers

9.27%

11.35%

Net bad loans / net loans to customers

4.86%

6.08%

 

 

Capital and liquidity ratios 

31.03.2018

01.01.2018 (*)

CET 1 Ratio Phased in

14.61%

13.62%

Tier 1 Ratio - Phased in

14.70%

13.63%

Total Capital Ratio - Phased in

17.50%

16.14%

CET 1 Ratio Fully Phased

11.71%

11.06%

Leverage Ratio - Phased in

6.4%

6.1%

Leverage Ratio - Fully Phased

5.1%

6.0%

The comparison values were calculated at 1 January 2018 in order to take account of the impacts arising from the first application of accounting standard IFRS9 except the Leverage Ratio calculated at 31 December 2017.

 

Description

31.03.2018 (€/milions)

31.12.2017 (€/milions)

Var %

Loans to customers

48,705

48,356

+0.72

Intangible assets

499

507

-1.43

of which: goodwill

327

327

-

Total assets

68,938

71,339

-3.37

Direct customers deposit

48,919

50,246

-2.64

Indirect customer deposit

36,697

35,865

+2.32

 of which managed

19,935

19,754

+0.91

of which administered

16,763

16,110

+4.05

Bancassurance

4,883

4,788

+1.99

Total shareholders' equity

4,834

5,717

-15.43







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