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Investor Presentaiton

Results: SE Europe Business Unit (€ mn) Q2 2021 Q1 2021 Q4 2020 Q3 2020 Q2 2020 Operating Income 56.7 58.6 64.2 63.9 61.8 Net Interest Income 45.3 46.0 50.1 50.3 49.3 Net fee and Commission Income 10.3 8.7 8.5 8.8 8.0 Trading & Other 1.1 4.0 5.6 4.8 4.6 Operating Expenses (49.6) (54.8) (90.7) (52.7) (51.8) Staff Costs (22.0) (21.5) (23.7) (23.2) (23.0) General Administrative Expenses (21.4) (26.1) (35.9) (23.6) (22.3) Depreciation and Amortisation (6.3) (7.2) (4.9) (5.9) (6.5) Expenses for VSS (26.2) Impairment losses on Loans (1.9) (318.6) (114.8) 10.1 (23.3) Other Impairment Losses (0.5) (0.0) (0.2) (0.0) (0.1) Profit (Loss) before tax 4.7 (314.8) (141.5) 21.3 (13.4) RWA e 3,865 4,049 4,370 4,287 4,361 61 ALPHA SERVICES AND HOLDINGS
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