New client business tripled and profit doubled in H2 2009 compared to H1 2009
. Second half 2009 profit of EUR 29 million, up 93% compared with the first half.
. Q4 net profit up versus Q3 at EUR 16 million showing further signs of improving business conditions
. New business up strongly in the second half of the year with loans to clients three times higher than in H1 2009, fulfilling our expectations of increased business activity and validating the operational steps we took in 2008
. Continued improvement in net interest income as a result of new origination and lower cost of funds
. Strong liquidity and solvency positions with diversification of funding and Tier-1 ratio of 16.2%
. Continued to manage costs tightly with 15% reduction in 2009, on top of a reduction of 14% in 2008

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