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Income statement

Home Credit B.V.

Group holding company (consolidated)

(MEUR) 1H2010 2009 2008 2007 2006
Net interest income 279 582 809 527 349
Operating income 392 759 979 669 386
Credit risk costs1 (49) (295) (321) (255) (188)
Operating expenses (174) (362) (556) (352) (167)
Net profit after tax 126 54 46 32 17

1) Credit risk costs comprise impairment losses and net expense related to credit risk insurance




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