Segment profit or loss - Financial Services
| For the nine months ended 30 September | Increase/(decrease) |
|---|
| (€m) | 2016 | 2015 | Amount | % |
|---|
| Net interest income |
1,142 |
1,154 |
(12) |
-1.0% |
|---|
| Interest and similar income |
1,194 |
1,200 |
(6) |
-0.5% |
|---|
| Interest and similar expense |
(52) |
(46) |
(6) |
13.0% |
|---|
| Net fee and commission income |
2,685 |
2,644 |
41 |
1.6% |
|---|
| Fee and commission income |
2,730 |
2,685 |
45 |
1.7% |
|---|
| Fee and commission expense |
(45) |
(41) |
(4) |
9.8% |
|---|
| Profits/(Losses) on trading, on disposals or repurchases and fair valueadjustments in hedge accounting |
581 |
433 |
148 |
34.2% |
|---|
| Net interest and other banking income |
4,408 |
4,231 |
177 |
4.2% |
|---|
| Net losses /recoveries on impairment of loans and advances |
(5) |
(7) |
2 |
28.6% |
|---|
| Net income from banking activities |
4,403 |
4,224 |
179 |
4.2% |
|---|
| Administrative expenses: |
(3,645) |
(3,486) |
(159) |
4.6% |
|---|
| personnel expenses |
(92) |
(92) |
- |
n/s |
|---|
| other administrative expenses |
(3,553) |
(3,394) |
(159) |
4.7% |
|---|
| Net provisions for risks and charges |
(37) |
(46) |
9 |
19.6% |
|---|
| Other operating income/(expenses) |
(17) |
(22) |
5 |
22.7% |
|---|
| Operating expenses |
(3,699) |
(3,554) |
(145) |
4.1% |
|---|
| Operating profit/(loss) (EBIT) |
704 |
670 |
34 |
5.1% |
|---|