|
Q1–4/2016 |
Q1–4/2015 |
Change, % |
| Earnings before tax, € million |
1,138 |
1,101 |
3.3 |
|
Banking |
596 |
642 |
-7.3 |
|
Non-life Insurance |
230 |
259 |
-11.1 |
|
Wealth Management |
232 |
213 |
8.8 |
| New OP bonuses accrued to owner-customers |
208 |
197 |
5.3 |
|
|
|
|
|
|
31 Dec. 2016 |
31 Dec. 2015 |
Change, % |
| CET1 ratio, % |
20.1 |
19.5 |
0.6* |
| Return on economic capital, % ** |
22.7 |
21.5 |
1.2* |
Ratio of capital base to minimum amount of capital base
(under the Act on the Supervision of Financial and Insurance Conglomerates), % *** |
170 |
191 |
-21* |
| Ratio of impairment loss on receivables to loan and guarantee portfolio, % |
0.09 |
0.10 |
0.0* |
| Owner-customers (1,000) |
1,747 |
1,491 |
17.2 |
|
|
|
|
|
|
Q1–4/2016 |
Q1–4/2015 |
Change, % |
| Number of employees |
12,227 |
12,130 |
0.8 |
| In permanent employment |
10,609 |
10,606 |
0 |
| Average age of employees |
43.6 |
43.8 |
-0.5 |
| Women in managerial duties, % |
36 |
36 |
0 |
|
|
|
|
|
| Comparatives deriving from the income statement are based on figures reported for the corresponding period in 2015. Unless otherwise specified, balance sheet and other cross-sectional figures on 31 December 2015 are used as comparatives. |
|
| * Change in ratio |
|
| ** 12-month rolling, change in percentage |
|
| *** The FiCo ratio has been calculated under Solvency II transitional provisions and the comparatives have been adjusted. |
|
| | | | | |
