Investor Presentaiton
Alpha Bank Group
909%
(€ mn)
Q2 20211
Q1 2021
Q4 2020
Q3 2020
Q2 2020
change
yoy %
change
Net interest income
371.0
399.6
388.0
381.8
390.7
(7.2%)
(5.0%)
Net fee and commission income
105.4
84.3
83.8
84.8
77.5
25.1%
36.1%
Income from financial operations¹
30.4
60.9
429.7
42.5
134.2
(50.2%)
(77.4%)
Other Income
10.4
11.1
5.0
7.0
2.6
(5.6%)
Operating Income
517.2
555.9
906.5
516.1
604.9
(7.0%)
(14.5%)
Staff costs
(105.6)
(106.3)
(113.7)
(107.3)
(106.4)
(0.6%)
(0.7%)
General administrative expenses
(117.9)
(109.0)
(121.5)
(117.8)
(107.2)
8.2%
10.0
Depreciation and amortization
(37.4)
(43.1)
(39.4)
(39.2)
(38.4)
(13.2%)
(2.4%)
Recurring Operating expenses
(260.9)
(258.4)
(274.6)
(264.3)
(251.9)
1.0%
3.6%
Extraordinary costs
(13.0)
(160.1)
(94.8)
(4.2)
(8.9)
Total Operating expenses
(274.0)
(418.4)
(369.4)
(268.6)
(260.8)
(34.5%)
5.1%
Impairment losses on loans
(124.6)
(390.6)
(569.5)
(168.6)
(260.6)
(68.1%)
(52.2%)
Other impairment losses
(9.6)
(5.6)
1.3
(2.0)
(3.7)
71.0%
Profit (Loss) before income tax
109.0
(258.7)
(31.1)
77.0
79.8
Income Tax
(13.4)
(23.4)
1.5
(32.7)
22.0
Profit (Loss) after income tax from continuing
95.6
(282.1)
(29.6)
44.3
101.8
operations
Profit (Loss) attributable to shareholders
95.7
(282.2)
(29.7)
44.3
101.8
Net interest Margin (NIM)
2.1%
2.3%
2.2%
2.2%
2.3%
1| pf for Galaxy and Cepal deconsolidation P&L impact of €2.1bn booked in Q2 21 trading line
28
ALPHA
SERVICES AND HOLDINGSView entire presentation