Net interest income fell 7% to EUR 188 million, while net revenue from commissions and fees rose 7% to EUR 134 mln.

Operating costs rose more than 3% to EUR 173 mln, while operating profit fell 13% to EUR 216 mln.

The stock of client loans reached EUR 3.857 billion at the end of December, up 8% from twelve months earlier. The stock of client deposits rose 6% to EUR 5.245 bln.