Key figures

    Consolidated profit and loss account (€m) 30/6/14 30/6/15
    Total income 1,819 2,045
    Gross operating profit 1,028 1,198
    Profit before taxes 501 757
    Net profit 465 590
    Cost/income ratio (%) 43 41
    ROE 6.4 7.3
    Balance sheet (€m) 30/6/14 30/6/15
    Loans to customers 30,552 32,890
    Funding 45,834 42,711
    Net equity 7,478 8,277
    RWA 58,744 59,577
    B3 CET1 ratio - phase in/fully phased (%) 11.1%/12.5% 12.0%/13.2%
    B3 TC ratio - phase in/fully phased (%) 13.8%/14.7% 14.9%/15.6%
    B3 Leverage ratio - phase in/fully phased (%) 8.5%/9.5% 11.0%/12.0%
    Additional information 30/6/14 30/6/15
    No. of staff 3,570 3,790
    No. of shares (millions) 861 867
    Rating Fitch   BBB+
    Rating (S&P) * BBB BBB-
    EPS (€) 0.54 0.68
    BVPS (€) 8.6 9.4
    DPS (€) 0.15 0.25

    Last update: 05/08/2016