Investor Presentaiton
Top line benefitting from rates, Cost of Risk at 76bps
Net Interest Income
Group, € mn
Net fee and commission income
440
424
396
42
42
337
37
301
32
33
Group, € mn
98
97
97
92
88
1
0
13:
0
-
359
382
398
86
304
268
Q2 22
Q3 22
Q4 22
NPE Net Interest Income
Recurring operating expenses
Group, € mn
257
·0
Q1 23
Q2 23
Other Net Interest Income
Q2 22
92
92
96
96
97
88
Q3 22
Q4 22
Q1 23 Q2 23
Net fee and commission income
Merchant Acquiring
Cost of Risk¹
Єmn & bps over net loans
94bps
93bps
242
240
75bps
76bps
257
0
61bps
89
90
9
233
231
0
240
72
73
233
58
233:
231
Q2 22
Q3 22
Q4 22
Q1 23
Q2 23
Merchant Acquiring
1❘ Includes underlying impairments and servicing fees
Recurring Operating Expenses
Q2 22
Q3 22
Q4 22
Q1 23
Q2 23
13
ALPHA
SERVICES AND HOLDINGSView entire presentation