Investor Presentaiton
A. Preliminary Group Financial Results - Statutory Basis
Unaudited Consolidated Income Statement for the year ended 31 December 2022
2022
2021
(restated)*
€000
€000
Turnover
Interest income
Income similar to interest income
Interest expense
Expense similar to interest expense
Net interest income
Fee and commission income
904,213
754,633
428,849
360,928
22,119
27,621
(65,821)
(67,057)
(14,840)
(25,192)
370,307
296,300
202,583
180,212
Fee and commission expense
(10,299)
(8,416)
Net foreign exchange gains
31,291
16,503
Net gains/(losses) on financial instruments
10,052
(21,323)
Net gains on derecognition of financial assets measured at amortised cost
5,235
3,859
Income from assets under insurance and reinsurance contracts
114,681
205,861
Expenses from liabilities under insurance and reinsurance contracts
(43,542)
(144,817)
Net losses from revaluation and disposal of investment properties
(999)
(1,828)
Net gains on disposal of stock of property
13,970
13,296
Other income
Total operating income
16,681
14,244
709,960
553,891
Staff costs
(294,361)
(218,633)
Special levy on deposits and other levies/contributions
(38,492)
(36,350)
Provisions for pending litigations, regulatory and other matters (net of
(11,880)
523
reversals)
Other operating expenses
(166,365)
(167,711)
Operating profit before credit losses and impairment
198,862
131,720
Credit losses on financial assets
(59,529)
(46,144)
Impairment net of reversals on non-financial assets
(29,549)
(49,456)
Profit before tax
Income tax
Profit after tax for the year
Attributable to:
Owners of the Company
Non-controlling interests
109,784
36,120
(35,812)
(4,243)
73,972
31,877
71,106
29,709
2,866
2,168
Profit for the year
73,972
31,877
Basic and diluted profit per share attributable to the owners of the
15.9
6.7
Company (€ cent)
* Comparative information was restated following certain changes in the presentation of the primary statements.
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