Financial and Mortgage Portfolio Overview
NII rose strongly in all business segments
NIM rose to 2.9% due to a higher interest rate environment
Highlights
NII continued a positive
trend supported by
higher interest rate
environment leading to a
Net interest income
By business segments, ISKm
NII comparison 2Q YoY
ISKM
10,254
8,792
9,209
518
8,417
8,644
YoY
369
574
+ 21.8%
629
2,715
rise in deposit margin
2,494
2,416
YoY and positively
2,271
2,406
affecting the Bank's
3,449
liquidity portfolio
2,580
2,773
2,983
3,133
Additional positive effect
2,937
3,039
3,192
3,291
3,572
came from higher
lending and deposit
volumes which
2Q21
3Q21
-25
4Q21
1Q22
2Q22
843
980
348
(669)
335
increased YoY across all
Personal Banking Business Banking Corporate & Investment Banking Other
business segments
Lending margin was
1.9% in 2Q22 (2.2% in
2Q21) while deposit
margin was 1.8% in
2Q22 (1.1% in 2Q21)
Net interest margin
On total assets
3.5%
2.9%
2.6%
8,417
2.4%
2.4%
2.4%
2.4%
1.1%
1.7%
0.9%
2Q21
3Q21
4Q21
1Q22
2Q22
2Q21
Lending
Lending
Deposit
volume
margin
volume
Deposit
margin
Other
interests
2Q22
Average CB policy rate
10,254
August-September 2022View entire presentation