| EUR millions |
2015 |
2016 |
Variation |
| Total asset |
7,201 |
7,813 |
8.5% |
| Loans |
3,505 |
3,816 |
8.9% |
| Deposits |
4,683 |
5,012 |
7.0% |
| Net Operating Income |
440 |
470 |
6.8% |
| Net Income Group share |
56,2 |
67,4 |
20.0% |
| Cost to income ratio (Operating expenses / Net Operating Income) |
61.7% |
61.4% |
|
| Cost of risk |
2.17% |
1.76% |
|
| ROE (Net income Group share /Average Equity Group share) |
13.7% |
13.8% |
|
| ROA (Net income Group share / Average Asset) |
0.8% |
0.9% |
|
| Capital Adequacy Ratio (estimations) | |||
| Risk Weighted Asset (*) |
4,340 |
4,804 |
10.7% |
| Tier 1 + Tier 2 (**) |
499 |
558 |
11.9% |
| Capital Adequacy Ratio |
11.5% |
11.6% |
(*) Risk Weighted Asset: 20 % of interbank assets + 100% of loans & advances to customers + 100 % of Fixed assets
(**) Tier 1 estimated: Share Capital + Share premium + Group’s share of Reserves + Retained earnings + Group’s share of Net Profit
Tier 2 estimated: Subordinated debts + Provisions
