The first group, with relatively high profitability in the first half of this year, consists of banks whose increase in profits comes mainly from their primary business.
The second group consists of banks with below-average profitability in the first half of the year: these banks recorded worse operating profits than last year, which they compensated for by releasing impairments and provisions and through other items. I should end by saying that these are the key challenges facing the Slovenian banking system.