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Financial highlights

4Q20 figures

Group Key figures 4Q20
Operating income € 4,238 Million
Operating profit (loss) € 1,780 Million
Underlying net profit (loss) attributable to the Group € 204 Million
Cost/Income ratio  58.0%
Common Equiy Tier 1 ratio (CET1r) fully loaded pro-forma1 15.08%
Loans to customers € 450,550 Million
Deposits from customers € 498,440 Million
Shareholders' equity € 59,507 Million
Total Capital ratio transitional pro-forma2 20.66%

1. Adjusted for -6 bps of share buyback. CET1 ratio fully loaded was 15.14% in 4Q20. Proposal of ordinary share buyback subject to supervisory and AGM approval.

2. Adjusted for -6 bps of share buyback. Total Capital ratio transitional was 20.72% in 4Q20. Proposal of ordinary share buyback subject to supervisory and AGM approval.

* footnotes

5-year group figures

  2020 2019 2018 2017 2016
Reclassified income statement (€ million)          
Operating income 17,140 18,839 19,723 19,619 18,801
Operating costs  (9,805) (9,929) (10,698) (11,350) (12,453)
Operating profit (loss) 7,335 8,910
9,025
 8,268
6,348
Profit (loss) before income tax  (1,546) 3,065 3,619 4,148 (10,978)
Net profit (loss) for the period  (1,842) 3,559 4,112 5,790 (11,061)
Net profit (loss) attributable to the Group  (2,785) 3,373 3,892 5,473 (11,790)
Reclassified balance sheet (€ million)          
Total assets  931,456 855,647 831,469 836,790 859,533
Loans and receivables with customers  450,550 482,574 471,839 447,727 444,607
of which: bad exposures  1,645 2,956 5,787 9,499 10,945
Deposits from customers and debt securities issued  600,964 566,871 560,141 561,498 567,855
Group shareholders’ equity  59,507 61,416 55,841 59,331 39,336
Profitability ratios (%)          
Operating profit (loss)/Total assets 0.79 1.04 1.09 0.99 0.74
Cost/Income ratio  57.2 52.7 54.2  57.9 66.2

Note: The figures here reported refer to the information published in the reference year.