Bankinter announced earnings results for the full year 2016. For the year, the company reported net income reached EUR 490 million, growing 30% year-on-year and gross operating margin at EUR 1,717 million, grew by 9.5%. ROE adjusted by eliminating the impact of the badwill resulting from the acquisition of the Portuguese franchise, stands at 10.9%, second to none in Spain. And including that one off, the groups year ROE reaches 13.5%. Net profit of EUR 490 million for 2016 represents an all-time record profit. Net income grew to EUR 490 million, up 30%. Like-for-like, net income grew to EUR 426.5 million, or 13% up from a year ago. Net interest income is growing at 5.1% like-for-like in the last 12 months and a 2.1% quarter-on-quarter, showing few showing very strong resilience despite even more negative rates environment that are banking in.