Investor Presentaiton
Group Results by Business Unit
Investment
Commercial &
Retail
SE Europe
Corporate
(€ mn)
Banking &
Treasury
Asset
Management
Other
Group
Jan-Jun
Jan-Jun
Jan-Jun
Jan-Jun
Jan-Jun
Jan-Jun
Jan-Jun
2021
2020
2021
2020
2021
2020
2021
2020
2021
2020
2021
2020
2021
2020
Operating Income
370.4
385.9
282.1
311.5
115.3
126.8
245.3
311.9
46.8
34.0
(2,114.5) (1.4)
(1,054.6) 1,168.7
Net Interest Income
286.5
327.8
257.0
260.9
91.2
101.3
129.2
74.3
5.9
7.3
0.9
0.4
770.6
771.9
Net fee and Commission Income
71.2
51.3
51.5
51.2
19.0
16.7
14.3
22.4
33.8
25.1
Trading & Other
12.7
6.8
(26.3)
(0.6)
5.1
8.8
101.7
215.2
7.1
1.6
(0.0) (0.1)
(2,115.3) (1.7)
189.7
166.7
(2,014.9) 230.2
Operating Expenses
(289.2) (273.2) (81.3)
(79.4)
(104.4)
(111.2)
(16.1)
(14.3)
(18.7) (17.4)
(182.7) (24.0)
(692.4) (519.6)
Staff Costs
(117.0) (111.2)
(32.0)
(36.0)
(43.5)
(47.4) (6.0)
(6.0)
(10.0) (9.2)
(9.0)
(3.9)
(217.5) (213.8)
General Administrative Expenses (129.1)
(121.7)
(34.3)
(29.2)
(47.5)
(51.0) (8.0)
(6.6)
(6.3)
(6.0)
(71.5)
(15.5) (296.6) (230.0)
Depreciation & Amortisation
(43.1)
(40.3)
(15.0)
(14.3) (13.4)
(12.8) (2.1)
(1.7)
(2.4)
(2.1)
(4.5)
(4.6)
1
Expenses for VSS
(97.7)
(80.6) (75.9)
(97.7)
Pre Provision Income (PPI)
81.2
112.7
200.9
232.1
10.9
15.6
229.1
297.5
28.1
16.6
(2,297.1) (25.4) (1,747.0) 649.1
Impairment Losses on Loans
(210.2) (280.1) 16.7
(223.4) (320.5)
(64.4)
(0.5)
(0.2)
(0.0)
(0.0)
(0.6)
0.0 (515.1) (568.2)
Other Impairment Losses
0.0
0.0
0.0
0.0
(0.5)
(0.4)
(13.5) (11.9)
(1.2)
(0.4)
0.0
0.0 (15.2) (12.7)
Profit (Loss) before tax
(129.0) (167.4)
217.5
8.7
(310.2)
(49.3)
215.1
285.4
26.9
16.2
(2,297.7) (25.4) (2,277.3)
68.2
1| Provision of €97.2mn for VSS and €0.5mn for senior executives' compensation plan
56
ALPHA
SERVICES AND HOLDINGSView entire presentation