Assets
(in millions of Euro)
2008
2007
Changes
(+ / -)
%
Loans and advances:
- to customers
- to banks
Financial assets held for trading
Financial assets at fair value
Financial assets available for sale
Financial assets held to maturity
Equity investments
Other assets
22,704.6
2,305.6
794.0
17.1
435.9
25.7
319.6
2,330.8
20,891.5
1,988.8
885.8
25.8
1,215.6
46.1
52.4
2,148.6
1,813.1
316.8
-91.8
-8.7
-779.7
-20.4
267.2
182.2
8.7%
15.9%
-10.4%
-33.7%
-64.1%
-44.3%
509.9%
8.5%
Total Assets
28,933.3
27,254.6
1,678.7
6.2%
Equity and Liabilities
(in millions of Euro)
Due:
2008
2007
Changes
(+ / -)
%
- to customers
- to banks
Debt securities in issue
Financial liabilities held for trading
Financial liabilities at fair value
Other liabilities
Total equity
- of which net income for the year pertaining to the parent bank
12,161.9
3,076.7
5,971.2
644.8
3,273.2
1,075.6
2,729.9
108.7
11,479.4
3,278.7
5,583.7
662.2
2,546.0
961.7
2,742.9
113.7
682.5
-202.0
387.5
-17.4
727.2
113.9
-13.0
-5.0
5.9%
-6.2%
6.9%
-2.6%
28.6%
11.8%
-0.5%
-4.4%
Total Equity and Liabilities
28,933.3
27,254.6
1,678.7
6.2%
Income Statement
(in millions of Euro)
2008
2007
Changes
(+ / -)
%
Net interest income
653.0
589.8
63.2
10.7%
Net fee and commission income
271.9
265.4
6.5
2.4%
Net interest and other banking income
952.4
877.2
75.2
8.6%
Net income from financial activities
766.1
730.9
35.2
4.8%
Net income from financial and insurance activities
766.1
735.7
30.4
4.1%
-678.9
-588.6
-90.3
15.3%
Profit (loss) from current operations before tax
172.1
194.2
-22.1
-11.4%
Income taxes on current operations
-61.1
-76.7
15.6
-20.3%
Net income
111.0
117.5
-6.5
-5.5%
Net income for the year pertaining to the parent bank
108.7
113.7
-5.0
-4.4%
Operating costs
Assets
(in millions of Euro)
Changes
2008
2007
Loans and advances:
- to customers
- to banks
Financial assets held for trading
Financial assets at fair value
Financial assets available for sale
Equity investments
Other assets
16,017.6
3,153.9
704.7
17.1
344.9
1,391.8
1,250.7
14,939.2
2,690.6
796.4
25.8
656.4
1,107.2
1,195.4
1,078.4
463.3
-91.7
-8.7
-311.5
284.6
55.3
7.2%
17.2%
-11.5%
-33.7%
-47.5%
25.7%
4.6%
Total Assets
22,880.7
21,411.0
1,469.7
6.9%
Equity and Liabilities
(in millions of Euro)
2008
2007
Due:
- to customers
- to banks
Debt securities in issue
Financial liabilities held for trading
Financial liabilities at fair value
Other liabilities
Total equity
- of which net income
Total Equity and Liabilities
(+ / -)
%
Changes
(+ / -)
%
7,503.6
3,620.9
4,609.2
618.4
2,938.1
746.3
2,844.2
151.0
7,216.8
3,433.6
4,566.2
622.0
2,185.3
603.5
2,783.6
110.1
286.8
187.3
43.0
-3.6
752.8
142.8
60.6
40.9
4.0%
5.5%
0.9%
-0.6%
34.4%
23.7%
2.2%
37.1%
22,880.7
21,411.0
1,469.7
6.9%
Income Statement
(in millions of Euro)
2008
2007
Changes
(+ / -)
%
Net interest income
405.6
355.3
50.3
14.2%
Net fee and commission income
177.6
175.0
2.6
1.5%
Net interest and other banking income
654.2
582.7
71.5
12.3%
Net income from financial activities
527.5
470.5
57.0
12.1%
-434.1
-364.0
-70.1
19.3%
Profit (loss) from current operations before tax
190.3
149.1
41.2
27.6%
Income taxes on current operations
-39.3
-39.0
-0.3
0.7%
Net income
151.0
110.1
40.9
37.2%
Operating costs