Core Viewpoint - OP Corporate Bank plc reported a significant increase in operating profit and total income for the first half of 2025, indicating strong financial performance and growth in various segments [4]. Financial Performance - Operating profit increased by 38% to €300 million compared to €218 million in H1 2024 [4]. - Total income grew by 11% to €422 million from €380 million in the same period last year [4]. - Net interest income rose by 13% to €286 million, while investment income increased to €72 million [4]. - Net commissions and fees decreased by 12% to €33 million [4]. - Other operating income saw a significant increase of 63% to €30 million [4]. - Operating expenses remained stable at €147 million [4]. - The cost/income ratio improved to 34.9% from 38.6% [2][4]. Segment Performance - Corporate Banking and Capital Markets segment's operating profit increased by 20% to €182 million [4]. - Asset and Sales Finance Services and Payment Transfers segment's operating profit surged by 46% to €105 million [4]. - The Baltics segment maintained an operating profit of €19 million, with a slight increase in net interest income [4]. - Group Functions segment reported an operating loss of €6 million, an improvement from a loss of €25 million a year ago [4]. Balance Sheet and Ratios - The loan portfolio grew by 4.1% to €28.5 billion, while the deposit portfolio increased by 19.5% to €17.6 billion [4][5]. - The CET1 ratio remained stable at 14.0%, exceeding the minimum regulatory requirement by 4.6 percentage points [5][4]. - The ratio of non-performing exposures to total exposures improved to 1.4% from 2.2% [5]. Outlook and Market Conditions - The company anticipates that uncertainties in the business environment, interest rate changes, and impairment losses will affect future earnings performance [7]. - The preliminary tariff agreement between the US and EU is expected to enhance economic confidence, although higher tariffs may pose risks [5].