Full highlights

Group, EUR millions

  6m 2017 6m 2016 Change 2016 audited 2015 audited Change
Net interest income 36.2 31.1 16% 66.2 60.5 9%
Net commission and fee income 19.3 18.3 5% 40.1 35.5 13%
Operating income 64.5 70.6 (9%) 134.3 112.7 19%
Impairments charge and reversals, net (6.4) (5.1) 26% (10.1) (6.2) 62%
Net profit 15.0 25.4 (41%) 40.7 26.1 56%
ROA 0.90% 1.66% (0.76pp) 1.29% 0.90% 0.4pp
ROE 11.5% 22.1% (10.6pp) 17.2% 13.2% 4.0pp
CIR 64.5% 55.8% 8.7pp 60.4% 68.5% (8.2pp)
COR 1.1% 0.9% 0.2pp 0.9% 0.6% 0.3pp

Group, EUR millions

  6m 2017 12m 2016 Change 2016 audited 2015 audited Change
Total assets 3,291 3,350 (2%) 3,350 2,960 13%
Loans to customers 1,323 1,241 7% 1,241 1,172 6%
Deposits from customers 2,874 2,919 (2%) 2,919 2,583 13%
Shareholder's equity 270 254 6% 254 220 16%
LTD ratio 46% 42% 4pp 42% 45% (3pp)