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Bank Profitability1 - Full Version4
   
End of period201920202021Q3 21Q4 21Q1 22Q2 22Q3 22
 
  EUR million
 
All sectors        
Interest income: claims on credit institutions3,746.942,691.702,618.351,898.942,618.35787.151,812.453,428.16
Interest income: claims on nonbanks9,956.969,597.269,412.067,055.549,412.062,406.504,972.817,848.65
Interest income: debt securities1,058.80926.27688.20580.13688.20165.34350.73593.52
Interest income: remaining assets292.46214.84274.72274.48274.7287.81185.68297.81
1. Interest and similar income15,055.1613,430.0712,993.339,809.0812,993.333,446.817,321.6712,168.14
Interest expense: liabilities to credit institutions2,788.591,615.961,289.82986.421,289.82518.491,215.182,501.79
Interest expense: liabilities to nonbanks1,173.00950.63708.51555.59708.51169.81372.01704.88
  interest expense: demand deposits357.07334.39276.22213.19276.2278.86177.85362.20
  interest expense: time deposits471.97344.19230.66188.24230.6650.20114.24219.13
  interest expense: savings deposits343.96272.05201.64154.15201.6440.7679.92123.54
Interest expense: securitized liabilities2,085.471,781.431,435.921,123.331,435.92351.55731.621,197.49
  interest expense: debt securities issued1,691.581,451.631,141.91885.551,141.91268.74560.68909.35
Interest expense: other securitized liabilities393.89329.80294.01237.78294.0182.81170.94288.14
Interest expense: remaining liabilities396.06421.58551.14473.20551.14150.77314.87527.19
2. Interest payable and similar charges6,443.124,769.593,985.403,138.543,985.401,190.622,633.684,931.34
I. Net interest income8,612.048,660.489,007.936,670.549,007.932,256.194,688.007,236.80
Income from shares, participations and variable-income
securities
301.39264.97307.77209.03307.7755.53121.62183.27
Income from participations372.97168.92470.97330.47470.9733.53204.36270.25
Income from shares in affiliated companies2,322.571,788.792,387.961,299.912,387.96356.632,188.752,258.72
3. Income from securities and
participations
2,996.932,222.693,166.691,839.413,166.69445.682,514.732,712.24
Fee-based income from credit operations949.65917.631,024.77747.231,024.77275.48545.41790.70
Fee-based income from securities2,447.192,687.363,200.042,275.063,200.04576.981,106.301,589.96
Fee-based income from payments2,214.632,150.032,264.121,683.302,264.12597.961,205.321,842.73
Fee-based income from foreign exchange operations117.75101.36151.00106.35151.0047.3085.13131.83
Fee-based income from service operations923.13939.411,041.77719.661,041.77168.51334.94484.49
4. Fee-based income6,652.346,795.807,681.705,531.597,681.701,666.243,277.104,839.70
Fees payable for credit operations374.92374.67425.82309.67425.82102.88207.92309.31
Fees payable for securities873.63953.041,123.44812.071,123.44144.45290.79422.69
Fees payable for payments487.16459.58472.22346.41472.22124.89255.99395.66
Fees payable for foreign exchange and precious
metals operations
13.6910.6026.9918.2726.997.2913.5320.06
Fees payable for service operations259.82265.17308.85200.43308.8526.0854.3680.92
5. Total fees payable2,009.222,063.062,357.321,686.862,357.32405.59822.581,228.64
Net commissions income4,643.124,732.745,324.373,844.735,324.371,260.652,454.523,611.06
Profit or loss from securities other than financial
fixed assets
−71.5852.83−38.38−27.25−38.38242.82−170.39−93.60
Profit of loss from foreign exchange and precious
metals operations
327.80376.64337.94249.63337.94100.59184.89326.87
Profit or loss from other financial operations21.7928.4534.7322.1734.7345.88164.4035.57
6. Net profit or loss on financial operations278.00457.92334.29244.55334.29389.28178.89268.84
Disposal of fixed assets67.1994.9083.7064.1083.7017.0637.1959.37
Any other operating income3,127.523,152.423,274.342,495.773,274.341,090.172,204.123,096.00
7. Other operating income3,194.713,247.323,358.042,559.873,358.041,107.232,241.313,155.37
II. Total operating income19,724.8119,321.1421,191.3415,159.1121,191.345,459.0212,077.4416,984.31
Staff costs6,740.316,046.126,148.834,302.546,148.831,348.632,701.374,048.36
  wage and salary payments4,497.634,330.504,673.623,232.444,673.621,042.882,104.133,142.30
  expenses for legal levies and compulsory contributions1,053.861,048.321,066.56802.501,066.56254.63523.90773.48
  other social expenses96.3594.09112.7456.96112.7420.2445.1076.89
  expenses for old age provision490.04251.92233.47184.63233.4759.09123.81183.46
  allocation of pension fund provisions316.77154.43−69.23−56.24−69.23−45.64−104.30−146.58
  allocation of termination benefit provisions285.65166.86131.6882.26131.6817.458.7218.80
Other administrative expenses4,835.794,715.744,869.803,550.004,869.801,283.562,394.983,516.35
8. General administrative expenses11,576.1110,761.8611,018.637,852.5411,018.632,632.195,096.357,564.71
9. Depreciation and amortization1,001.181,036.331,207.64867.251,207.64303.84603.22905.82
Administrative expenses on disposal of fixed assets22.0414.7424.997.8024.990.545.716.04
Current contributions to sectoral support facilities36.5698.74137.6965.57137.6938.0158.6582.57
Repayments to sectoral support facilities0.000.090.010.000.010.050.000.35
Other administrative expenses1,556.041,725.281,854.271,265.301,854.27534.26994.471,339.54
10. Other operating expenses1,614.651,838.852,016.961,338.672,016.96572.871,058.841,428.49
III. Operating expenses14,191.9313,637.0414,243.2310,058.4614,243.233,508.916,758.419,899.03
IV. Operating profit5,532.885,684.116,948.115,100.646,948.111,950.125,319.047,085.28
                 
                 
                 
Quarterly update of projected values for the
business year
        
Expected annual operating profit5,878.935,687.076,949.416,722.966,949.417,118.438,135.148,716.62
11. Expected risk provisions for
contingencies and lending
4,504.416,581.585,822.324,246.485,822.323,096.564,714.616,382.90
  executed claims direct write-off240.75319.88126.7183.65126.7179.2971.1992.65
  expected provisions against interbank claims21.8467.4175.8130.5175.8134.0343.0266.07
  expected provisions against nonbanks claims3,362.075,052.514,406.193,369.784,406.192,376.863,305.254,544.62
  expected provisions for contingencies337.68502.08424.91270.42424.91136.03225.59315.76
Expected provisions for lending335.06472.13625.64422.82625.64203.21342.50507.75
  Expenses for securities other than financial
  fixed assets
143.45117.0294.4520.3694.455.2623.7436.60
  Expected provisions against securites other than
  financial fixed assets
63.5850.5468.6048.9368.60261.87703.32819.44
12. Profit from dissolutions of provisions against
claims/provisions for contingencies and lending
3,844.914,519.965,208.223,449.755,208.221,888.643,466.954,839.59
  Realized income/charged-off claims191.57242.52196.42131.59196.4268.38105.01127.29
  Expected profit from dissolutions of provisions against
  claims/provisions for contingencies and lending
3,456.234,060.614,828.823,209.744,828.821,722.373,162.114,420.77
  Realized income from securities other than financial
  fixed assets
139.76173.33155.4989.83155.4926.4947.3054.11
  Expected income from dissolutions of provisions
  against securities other than financial fixed assets
57.3543.4927.5018.5927.5071.40152.54237.42
Profit or loss from allocation/dissolution
of provisions against claims/provisions
for contingencies and lending
659.502,061.62614.10796.73614.101,207.921,247.661,543.31
13. Provisions against securities valued like
financial fixed assets, participations and shares
in affiliated companies
666.85988.96717.79227.49717.791,607.822,183.692,028.02
  Realized losses from disposal of debt securities,
  shares,participations, shares in affiliated
  companies and other variable income securities
286.7638.32380.0321.97380.0327.5561.4290.60
  Expected provisions against debt securites,
  shares, participations, shares in affiliated
  companies and other variable-income securities
380.09950.64337.76205.53337.761,580.272,122.271,937.42
14. Income from provisions against securities
valued like financial assets, participations
and shares in affiliated companies
1,086.95583.171,747.95871.631,747.95141.21141.11310.83
  Realized income from disposal of debt securities,
  shares, participations, shares in affiliated
  companies and other variable-income securities
606.98190.74336.86809.48336.86104.3698.38119.58
  Expected income from writeback of provisions
  for debt securities, shares, participations,
  shares in affiliated companies and other
  variable-income securities
479.97392.421,411.0962.151,411.0936.8542.73191.25
Profit or loss from allocation/dissolution
of provisions
−420.10405.79−1,030.15−644.14−1,030.151,466.612,042.581,717.20
V. Expected profit or loss on ordinary activities5,639.533,219.657,365.476,570.377,365.474,443.904,844.905,456.12
15. (Expected) extraordinary profit176.09194.51246.87205.60246.8744.78168.15163.39
16. (Expected) extraordinary expenses107.3845.42129.6355.57129.6320.0820.7520.50
17. (Expected) extraordinary profit or loss68.71149.09117.24150.04117.2424.70147.40142.90
18. Expected tax on profit or loss641.57450.53840.09879.47840.09776.991,004.741,022.95
19. (Expected) other taxes256.43255.30115.66142.09115.66148.07150.71160.99
VI. Expected profit (+) / loss (-) for the year after tax4,810.252,662.916,526.965,698.846,526.963,543.543,836.864,415.08
                 
                 
                 
25. Average total assets of the current business year2886,911.67961,149.561,032,071.831,027,831.841,032,071.831,070,907.111,083,347.541,090,299.03
 


last update on 25.11.2022 15:54

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