Investor Presentaiton
WHOLESALE
Volumes affected by repayments; Profitability expands
Key figures
(in Єmm)
H123
H1322
Adifference, %
Net loans
18,170
17,790
2%
Deposits
8,471
7,942
7%
REVENUES /
PROFITABILITY
VOLUMES
+ €32mn
Revenues (H1/H1)
+ €26mn
Profits³ (H1/H1)
(€0.2bn)
Deposits (YTD)
+€0.1bn4
Net Loans (YTD)
Total revenues
355
324
10%
Recurring Operating
(67)
(75)
(12%)
expenses
Normalised Profit
200
174
15%
COST/INCOME
Allocated CET1 @ 13%
1,797
1,907
(6%)
Cost Income ratio
19%
24%
(19%)
ROCET1 ratio 1
21%
20%
10%
24%
19%
32%
Contribution to
Group Revenues,
H123
56%
Contribution to
Group recurring
profits², H1'23
H1 22
H1 23
ROCET11
+1p.p.
20%
21%
H1 22
H1 23
11 Return on FL CET1 employed capital at 13% management target. 21 Includes profit after tax from Performing Assets; Based on Normalised profit after tax. 31 Based on Normalised profit after tax 41 Excluding intragroup loan
repayment
20
ALPHA
SERVICES AND HOLDINGSView entire presentation