Investor Presentaiton
Income statement
A % vs.
A % vs.
EUR M
Q4 2018 Q3 2018
Q4 2017
2018
2017
% YoY
Q3 2018
Q4 2017
Net interest income
13.3
13.3
0%
14.1
-6%
54.5
55.9
-2%
Net commission income
12.7
12.1
5%
12.6
1%
50.6
49.7
2%
Net income from financial items
1.4
0.6
1.0
41%
5.2
3.1
67%
Other income
4.9
4.1
20%
4.6
5%
17.4
19.3
-10%
Total income
32.3
30
7%
32.4
0%
127.6
128.0
0%
Staff costs
-14.3
-13.2
8%
-14.9
-4%
-57.1
-59.8
-5%
Other expenses
-9.2
-7.7
20%
-8.5
8%
-33.4
-32.9
2%
Depreciation/ amortisation
-1.8
-1.8
0%
-1.9
-3%
-7.3
-7.1
3%
Total expenses
-25.2
-22.7
11%
-25.3
0%
-97.8
-99.8
-2%
Profit before impairment losses
7.0
7.3
-4%
7.1
-2%
29.8
28.2
6%
Net impairment losses on financial
assets
0.1
-0.3
-0.6
-0.8
-2.1 -61%
Net operating profit
7.1
7.0
1%
6.5
9%
29.0
26.0 11%
Income taxes
-1.4
-1.5
-5%
-1.3
4%
-6.1
-5.3
14%
Profit for the report period
5.7
5.6
2%
5.2
10%
22.9
20.7
11%
Attributable to the shareholders
5.7
5.6
2%
5.2
10%
22.9
20.7
11%
20
20
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