Loans and receivables grew 6%

• Implementation of a new portfolio management model that allows specialist professional teams to be set up for each customer income tranche, and inclusion of advanced management tools.
• Loans and receivables increased by 665 million euro (+6%), with a focus on strategic activities: commercial credit, transactional banking, the International business and Investment Banking.
• Non-financial fees for value added services rose by 11% and average income on the loan book (interest rate plus fees) was 2.1%.