Highlights

KEY DATA ON THE CONSOLIDATED STATEMENTOF FINANCIAL POSITION
(in thousands of Euro)
AMOUNTS AT CHANGE
  31/12/2015 31/12/2014 ABSOLUTE %
Available for sale financial assets 3.221.533 243.325 2.978.208 1224,0%
Held to maturity financial assets - 4.827.363 (4.827.363) (100,0)%
Loans to customers 3.437.136 2.814.330 622.806 22,1%
Total assets 6.957.720 8.309.294 (1.351.574) (16,3)%
         
Due to banks 662.985 2.258.967 (1.595.982) (70,7)%
Due to customers 5.487.476 5.483.474 4.002 0,1%
Consolidated equity 573.467 437.850 135.617 31,0%

KEY DATA ON THE CONSOLIDATED INCOME STATEMENT
(in thousands of Euro)
YEAR CHANGE
  31/12/2015 31/12/2014 ABSOLUTE %
Net banking income (1) 407.958 284.141 123.817 43,6%
Net value adjustments on receivables and other financial assets (1) (34.250) (34.510) 260 (0,8)%
Net profit from financial activities 373.708 249.631 124.077 49,7%
Operating costs (128.119) (104.688) (23.431) 22,4%
Pre-tax profit from continuing operations 245.589 144.943 100.646 69,4%
Group net profit for the year 161.966 95.876 66.090 68,9%

(1) The data for 2014 were restated as described in the Notes, Part A, Section 2

QUARTERLY KEY DATA ON THE CONSOLIDATED INCOME STATEMENT
(in thousands of Euro)
4th QUARTER CHANGE
  2015 2014 ABSOLUTE %
Net banking income (1) 76.792 73.065 3.727 5,1%
Net value adjustments on receivables and other financial assets (1) (8.089) (4.546) (3.543) 77,9%
Net profit from financial activities 68.703 68.519 184 0,3%
Operating costs (47.335) (35.003) (12.332) 35,2%
Pre-tax profit from continuing operations 21.368 33.516 (12.148) (36,2)%
Group net profit for the year 13.161 21.688 (8.527) (39,3)%

(1) The data for 2014 were restated as described in the Notes, Part A, Section 2