(€ m) FY05 FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16
Net interest income 480 593 667

842

861

917

1,070

1,070

1,028

1,087

1,143 1,207
Net treasury income 

150

281

155

117

247

155

189

267

200

45

207 133
Net fee income 

241

303

371

488

512

534

520

484

410

424

472 450
Equity-accounted companies 

285

335

415

478

(19)

214

203

170

(10)

264

224 257
Total income 

1,157

1,512

1,607

1,925

1,601

1,819

1,983

1,990

1,628

1,819

2,045 2,047
Operating costs

(357)

(393)

(430)

(640)

(730)

(773)

(824)

(789)

(752)

(791)

(847) (892)
Loan loss provisions

(92)

(119)

(165)

(274)

(504)

(517)

(424)

(468)

(507)

(736)

(533) (416)
PBT adj

708

999

1,012

1,012

367

529

735

732

370

292

666 736
Other income (losses)

41

90

169

142

(276)

54

(181)

(526)

(392)

209

92 1
Profit before tax 

748

1,089

1,181

1,154

91

583

554

206

(23)

501

757 736
Net profit 

632

858

953

1,013

2

401

369

81

(176)

465

590 605
                         
Treasury, AFS and HTM

10,636

12,450

13,189

14,646

20,964

23,265

18,666

22,211

21,743

19,789

14,777 16,322
Equity investments

2,138

2,355

2,633

2,846

2,638

3,348

3,156

3,165

2,587

2,871

3,411 3,193
Loans to customers

18,172

21,388

26,812

34,591

35,233

33,702

36,226

36,310

33,455

30,552

32,890 34,593
Funding

24,503

29,068

34,228

45,554

53,412

53,852

51,713 55,788

51,288

45,834

42,711 45,934
Shareholders’ equity

5,440

5,887

6,830

5,729

5,704

6,338

6,545

6,419

7,017

7,373

8,169 8,228

RWAs

33,343

40,329

50,115

55,078

52,733

53,418

55,032

55,161

52,373

58,744

59,577 53,862

No. of staff

1,706

1,681

1,783

3,039

3,105

3,242

3,452

3,506

3,505

3,570

3,790 4,036

CT1 ratio (%)

15.9

14.2

12.3

10.3

10.3

11.1

11.2

11.5

11.7

11.1

12.0 12.1
Cost/income ratio (%)

31

26

27

33

46

42

42

40

46

43

41 44
Cost of risk (bps)

50

60

68

89

144

150

121

129

145

230

168 124
ROE (%)

11.1

14.3

14.1

15.0

0.0

6.5

5.5

1.2

(2.7)

6.4 7.3 7.1