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Bank Profitability1 - Full Version
   
End of period201820192020Q1 20Q2 20Q3 20Q4 20Q1 21
 
  EUR million
 
All sectors        
Interest income: claims on credit institutions3,735.893,755.762,698.36823.581,495.082,106.422,698.36620.79
Interest income: claims on nonbanks9,639.709,958.979,597.382,438.964,851.297,240.189,597.382,321.30
Interest income: debt securities1,230.171,058.82926.27259.86519.29751.43926.27209.22
Interest income: remaining assets476.40292.46214.8483.70165.71237.80214.8498.56
1. Interest and similar income15,082.1615,066.0113,436.843,606.117,031.3710,335.8313,436.843,249.86
Interest expense: liabilities to credit institutions2,428.412,801.221,666.29570.531,014.781,391.471,666.29357.38
Interest expense: liabilities to nonbanks1,250.341,173.00950.63275.88521.07740.23950.63194.69
  interest expense: demand deposits336.02357.07334.3994.66179.41256.98334.3972.10
  interest expense: time deposits493.08471.97344.19108.01202.15282.99344.1968.67
  interest expense: savings deposits421.24343.96272.0573.22139.52200.25272.0553.93
Interest expense: securitized liabilities2,260.032,085.471,781.43478.97947.251,403.121,781.43381.33
  interest expense: debt securities issued1,609.921,691.581,451.63384.92769.231,140.621,451.63312.79
Interest expense: other securitized liabilities650.11393.89329.8094.05178.02262.50329.8068.54
Interest expense: remaining liabilities549.17396.06421.58110.93223.24338.09421.58167.23
2. Interest payable and similar charges6,487.946,455.764,819.921,436.302,706.343,872.904,819.921,100.62
I. Net interest income8,594.228,610.268,616.922,169.804,325.036,462.938,616.922,149.23
Income from shares, participations and variable-income
securities
348.18301.31264.9762.31132.14196.98264.9760.17
Income from participations332.89372.97168.9223.9168.50125.84168.9248.82
Income from shares in affiliated companies2,556.382,322.571,788.79508.06896.221,405.471,788.79297.92
3. Income from securities and
participations
3,237.442,996.852,222.69594.281,096.861,728.292,222.69406.90
Fee-based income from credit operations933.01949.65917.53235.94450.76685.29917.53235.18
Fee-based income from securities2,443.732,447.052,687.16699.071,286.341,921.122,687.16777.63
Fee-based income from payments2,123.212,214.632,150.07568.691,067.671,605.212,150.07552.31
Fee-based income from foreign exchange operations123.52117.75101.3628.7052.2875.12101.3631.26
Fee-based income from service operations932.31923.29939.42246.32457.20680.71939.42245.47
4. Fee-based income6,555.786,652.376,795.531,778.733,314.254,967.456,795.531,841.85
Fees payable for credit operations363.26374.65375.2195.73183.86276.17375.2197.46
Fees payable for securities873.98873.43952.95237.67456.85690.32952.95268.14
Fees payable for payments470.17487.16459.62124.23223.64338.45459.62111.89
Fees payable for foreign exchange and precious
metals operations
14.5913.6910.603.065.367.8810.605.61
Fees payable for service operations275.77259.82265.1766.55129.66197.68265.1765.90
5. Total fees payable1,997.772,008.762,063.55527.25999.371,510.502,063.55549.00
Net commissions income4,558.014,643.614,731.981,251.482,314.883,456.954,731.981,292.86
Profit or loss from securities other than financial
fixed assets
169.82−71.5852.8390.81−18.19166.3252.836.45
Profit of loss from foreign exchange and precious
metals operations
350.58329.78374.05101.75267.42267.83374.05102.92
Profit or loss from other financial operations−232.3921.7970.91−102.16−35.64−19.3470.9116.66
6. Net profit or loss on financial operations288.01279.99497.7990.40213.60414.81497.79126.03
Disposal of fixed assets66.2367.19100.3116.8634.1445.25100.3137.41
Any other operating income2,644.793,127.393,146.97986.431,444.592,066.103,146.97946.38
7. Other operating income2,711.023,194.573,247.281,003.291,478.732,111.353,247.28983.79
II. Total operating income19,388.7019,725.2719,316.665,109.249,429.1014,174.3419,316.664,958.81
Staff costs6,380.886,740.426,046.581,432.762,973.744,440.196,046.581,403.13
  wage and salary payments4,318.024,497.854,330.111,062.402,142.723,197.544,330.111,065.01
  expenses for legal levies and compulsory contributions1,032.391,053.851,048.70262.06534.55793.621,048.70268.24
  other social expenses114.3696.3594.1423.8041.6362.2394.1421.59
  expenses for old age provision420.62490.17252.05101.98204.93197.05252.0559.11
  allocation of pension fund provisions298.59316.64154.29−33.54−14.3984.14154.29−28.92
  allocation of termination benefit provisions196.90285.54167.2716.0664.30105.61167.2718.11
Other administrative expenses4,795.734,835.674,715.481,212.952,316.553,446.024,715.481,281.17
8. General administrative expenses11,176.6111,576.0810,762.062,645.715,290.297,886.2010,762.062,684.30
9. Depreciation and amortization924.41998.771,036.33251.70508.08764.251,036.33256.17
Administrative expenses on disposal of fixed assets12.3522.0414.741.612.484.0914.747.33
Current contributions to sectoral support facilities38.0236.5698.748.4621.1750.2498.7417.23
Repayments to sectoral support facilities0.000.000.090.000.090.050.090.00
Other administrative expenses1,125.391,556.061,723.15421.56818.291,098.141,723.15503.49
10. Other operating expenses1,175.751,614.671,836.72431.64842.031,152.521,836.72528.05
III. Operating expenses13,276.7714,189.5313,635.103,329.056,640.409,802.9713,635.103,468.52
IV. Operating profit6,111.935,535.755,681.551,780.192,788.704,371.375,681.551,490.29
                 
                 
                 
Quarterly update of projected values for the
business year
        
Expected annual operating profit6,421.415,877.285,687.105,533.595,654.035,941.575,687.105,985.73
11. Expected risk provisions for
contingencies and lending
4,708.624,500.026,579.042,521.554,087.724,935.196,579.043,204.43
  executed claims direct write-off259.19236.71319.8821.8447.1680.73319.8840.76
  expected provisions against interbank claims38.4521.8467.4115.5437.3450.6067.4130.51
  expected provisions against nonbanks claims3,455.623,361.735,050.912,130.373,363.974,069.255,050.912,766.17
  expected provisions for contingencies342.80337.68502.08129.08314.89328.77502.08168.60
Expected provisions for lending291.90335.06471.2098.17192.58283.76471.20151.62
  Expenses for securities other than financial
  fixed assets
131.46143.43117.035.9931.5351.69117.039.50
  Expected provisions against securites other than
  financial fixed assets
189.2163.5850.52120.57100.2570.3950.5237.27
12. Profit from dissolutions of provisions against
claims/provisions for contingencies and lending
4,356.323,844.184,517.861,051.842,250.222,906.424,517.861,557.90
  Realized income/charged-off claims229.50191.16242.5232.8252.3675.28242.5260.94
  Expected profit from dissolutions of provisions against
  claims/provisions for contingencies and lending
3,847.123,455.894,058.52970.662,057.422,660.644,058.521,411.68
  Realized income from securities other than financial
  fixed assets
253.67139.77173.3319.4196.06136.43173.3362.77
  Expected income from dissolutions of provisions
  against securities other than financial fixed assets
26.0457.3543.4928.9644.3834.0843.4922.52
Profit or loss from allocation/dissolution
of provisions against claims/provisions
for contingencies and lending
352.30655.842,061.181,469.711,837.502,028.772,061.181,646.52
13. Provisions against securities valued like
financial fixed assets, participations and shares
in affiliated companies
626.01665.12988.96421.52931.99985.50988.96175.30
  Realized losses from disposal of debt securities,
  shares,participations, shares in affiliated
  companies and other variable income securities
93.06285.0238.3214.3020.6421.1438.3217.68
  Expected provisions against debt securites,
  shares, participations, shares in affiliated
  companies and other variable-income securities
532.95380.09950.64407.22911.36964.36950.64157.62
14. Income from provisions against securities
valued like financial assets, participations
and shares in affiliated companies
700.221,086.84583.17100.80355.88187.47583.17217.72
  Realized income from disposal of debt securities,
  shares, participations, shares in affiliated
  companies and other variable-income securities
276.96606.87190.7438.6365.2291.70190.74154.70
  Expected income from writeback of provisions
  for debt securities, shares, participations,
  shares in affiliated companies and other
  variable-income securities
423.25479.97392.4262.17290.6695.77392.4263.02
Profit or loss from allocation/dissolution
of provisions
−74.21−421.72405.79320.72576.12798.03405.79−42.42
V. Expected profit or loss on ordinary activities6,143.315,643.163,220.133,743.163,240.423,114.773,220.134,381.63
15. (Expected) extraordinary profit583.66176.09194.5124.4543.3571.13194.5165.63
16. (Expected) extraordinary expenses175.44107.3845.4219.2320.8616.7045.4223.84
17. (Expected) extraordinary profit or loss408.2168.71149.095.2322.5054.43149.0941.79
18. Expected tax on profit or loss697.19640.55450.43631.70555.05518.89450.43635.73
19. (Expected) other taxes153.89256.37255.30178.98178.52185.73255.30136.89
VI. Expected profit (+) / loss (-) for the year after tax5,700.454,814.952,663.492,937.712,529.352,464.582,663.493,650.79
                 
                 
                 
25. Average total assets of the current business year2843,348.14875,529.39948,382.85902,427.15917,802.16930,909.91948,382.85982,755.74
 


last update on 27.05.2021 14:29

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