Profit & loss statement

Profit&Loss (Quart.)
P&L - Quarterly (millions of euros)2Q 20173Q 20174Q 20171Q 20182Q 2018
Net interest income15.815.514.313.214.8
Commission income190.4171.4206.3182.4194.2
Commission expense-76.8-77.4-117.7-87.6-100.0
Net commissions113.694.088.694.894.3
Net income (loss) from trading activities4.54.73.015.13.9
Dividends1.50.01.00.11.4
Net banking income135.5114.2106.9123.3114.4
Staff expenses-23.1-19.5-21.5-21.1-21.2
Other general and administrative expense-34.6-36.9-43.2-37.3-36.9
General and administrative expense-57.8-56.4-64.8-58.4-58.1
Depreciation and amortisation-2.1-2.0-2.3-2.0-2.1
Other net operating income (expense)13.512.518.414.013.1
Net operating expenses-46.3-45.9-48.7-46.5-47.1
Operating profit89.268.258.276.867.4
Net adjustments for impair. loans and other assets 0.0-2.80.60.2-3.8
Net provisions for liabilities and contingencies-27.5-18.44.8-13.9-11.0
Gain (loss) from disposal of equity investments00.00.00.0-0.1
Profit before taxation61.647.063.562.952.5
Direct income taxes-9.8-7.7-6.8-13.9-9.0
Income/(losses) after tax on assets held for sales0.00.00.00.00.0
Minorities interest0.00.00.00.00.0
Net profit51.939.356.849.043.5
Cost/income ratio32.7%38.5%43.4%36.1%39.3%
EBITDA91.270.360.678.869.5
P&L - YTD (millions of euros) 30-Jun-17 30-Sep-17 31-Dec-17 31-Mar-18 30-Jun-18
Net interest income31.647.161.413.228.1
Commission income382.8554.2760.5182.4376.6
Commission expense-153.6-231.1-389.4-87.6-187.5
Net commissions229.2323.2371.194.8189.1
Net income (loss) from trading activities7.612.315.315.119.0
Dividends1.81.82.70.11.5
Net banking income270.2384.3450.6123.3237.7
Staff expenses-43.9-63.3-84.8-21.1-42.3
Other general and administrative expense-69.6-106.5-149.8-37.3-74.2
General and administrative expense-113.4-169.8-234.6-58.4-116.5
Depreciation and amortisation-3.8-5.8-8.1-2.0-4.2
Other net operating income (expense)24.036.554.913.927.1
Net operating expenses-93.2-139.2-187.9-46.5-93.6
Operating profit176.9245.2262.876.7144.1
Net adjustments for impair. loans and other assets -3.2-6.0-5.40.2-3.6
Net provisions for liabilities and contingencies-45.7-64.0-18.6-13.9-24.9
Gain (loss) from disposal of equity investments00.0-0.2-0.1-0.1
Profit before taxation128.0175.0238.662.9115.4
Direct income taxes-19.9-27.7-34.5-13.9-22.8
Income/(losses) after tax on assets held for sales0.00.00.00.00.0
Minorities interest0.00.00.00.00.0
Net profit108.1147.4204.149.092.6
Cost/income ratio33.1%34.7%36.6%36.1%37.6%
EBITDA180.7251.0311.578.8148.2
Profit&Loss (Yearly)
P&L - Yearly (millions of euros)20132014201520162017
Net interest income121.8107.066.258.761.4
Commission income404.7484.6652.0604.7760.5
Commission expense-178.3-227.4-281.2-295.7-348.7
Net commissions226.4257.3370.8309.0411.7
Net income (loss) from trading activities18.152.425.832.815.3
Dividends0.92.63.12.02.7
Net banking income367.2419.2465.9402.4491.3
Staff expenses-69.5-74.2-80.9-80.5-84.8
Other general and administrative expense-105.2-128.5-134.0-140.1-149.8
General and administrative expense-174.7-202.6-215.0-220.6-234.6
Depreciation and amortisation-5.0-4.4-5.3-5.9-8.1
Other net operating income (expense)31.241.344.744.554.9
Net operating expenses-148.6-165.8-175.6-182.0-187.9
Operating profit218.6253.4290.3220.4303.4
Net adjustments for impair. loans and other assets -6.1-11.0-6.5-0.8-5.4
Net provisions for liabilities and contingencies-22.9-40.3-45.6-34.7-59.2
Gain (loss) from disposal of equity investments0.00.00.0-0.10.0
Profit before taxation189.6202.1238.2184.8238.6
Direct income taxes-48.3-44.3-34.7-28.9-34.5
Income/(losses) after tax on assets held for sales4.63.10.00.00.0
Minorities interest-4.70.00.00.00.0
Net profit141.3160.9203.6155.9204.1
Cost/income ratio39.1%38.5%36.5%43.7%36.6%
EBITDA223.7257.8295.7226.3311.5

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