Full highlights

Group, EUR millions

  2016 audited 2015 audited Change H1 2016 audited H1 2015 audited Change
Net interest income 66.2 60.5 9% 31.1 29.5 5%
Net commission and fee income 40.1 35.5 13% 18.3 17.2 6%
Operating income 134.3 112.7 19% 70.6 54.6 29%
Impairments charge and reversals, net (10.1) (6.2) 62% (5.1) (3.1) 66%
Net profit 40.7 26.1 56% 25.4 14.9 70%
ROA 1.29% 0.90% 0.4pp 1.66% 1.06% 0.6pp
ROE 17.2% 13.2% 4.0pp 22.1% 15.7% 6.4pp
CIR 60.4% 68.5% (8.2pp) 55.8% 64.4% (8.6pp)
COR 0.9% 0.6% 0.3pp 1.0% 0.90% 0.2pp

Group, EUR millions

  2016 audited 2015 audited Change H1 2016 audited 2015 audited Change
Total assets 3,350 2,960 13% 3,140 2,960 6%
Loans to customers 1,241 1,172 6% 1,231 1,172 5%
Deposits from customers 2,919 2,583 13% 2,748 2,583 6%
Shareholder's equity 254 220 16% 240 220 9%
LTD ratio 42% 45% (3pp) 45% 45% (1pp)