Full highlights

Group, EUR millions

  H1 2016 audited H1 2015 audited Change 2015 audited 2014 audited Change
Net interest income 31.1 29.5 5% 60.5 62.5 (3%)
Net commission and fee income 18.3 17.2 6% 35.5 33.4 6%
Operating income 70.6 54.6 29% 112.7 111.9 1%
Impairments charge and reversals, net (5.1) (3.1) 66% (6.2) (9.2) (33%)
Net profit 25.4 14.9 70% 26.1 32.4 (20%)
ROA 1.66% 1.06% 0.6pp 0.90% 1.20% (0.30pp)
ROE 22.1% 15.7% 6.4pp 13.2% 20.2% (7.09pp)
CIR 55.8% 64.4% (8.6pp) 68.5% 60.2% 8.28pp
COR 1.0% 0.90% 0.2pp 0.8% 1.3% (0.48pp)

Group, EUR millions

  H1 2016 audited H1 2015 audited Change 2015 audited 2014 audited Change
Total assets 3,140 2,960 6% 2,960 2,855 4%
Loans to customers 1,231 1,172 5% 1,172 1,076 9%
Deposits from customers 2,748 2,583 6% 2,570 2,517 2%
Shareholder's equity 240 220 9% 220 177 24%
LTD ratio 45% 45% (1pp) 46% 43% 3pp