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Financial highlights

FY21 figures

Group Key figures FY21
Operating income € 17,954 Million
Operating profit (loss) € 8,158 Million
Underlying net profit (loss)* attributable to the Group € 3,900 Million
Cost/Income ratio  54.6%
Common Equiy Tier 1 ratio (CET1r) fully loaded 15.03%
Loans to customers € 437,544 Million
Deposits from customers € 500,504 Million
Shareholders' equity € 61,628 Million
Total Capital ratio transitional 20.14%

* Underlying net profit is the basis for the ordinary capital distribution policy.

5-year group figures

  2021 2020 2019 2018 2017
Reclassified income statement (€ million)          
Operating income 17,954 17,140 18,839 19,723 19,619
Operating costs  (9,797) (9,805) (9,929) (10,698) (11,350)
Operating profit (loss) 8,158 7,335 8,910
9,025
 8,268
Profit (loss) before income tax  1,236 (1,546) 3,065 3,619 4,148
Net profit (loss) for the period  1,570 (1,842) 3,559 4,112 5,790
Net profit (loss) attributable to the Group  1,540 (2,785) 3,373 3,892 5,473
Reclassified balance sheet (€ million)          
Total assets  916,671 931,456 855,647 831,469 836,790
Loans and receivables with customers  437,544 450,550 482,574 471,839 447,727
of which: bad exposures  1,121 1,645 2,956 5,787 9,499
Deposits from customers and debt securities issued  596,402 600,964 566,871 560,141 561,498
Group shareholders’ equity  61,628 59,507 61,416 55,841 59,331
Profitability ratios (%)          
Cost/Income ratio  54.6 57.2 52.7 54.2  57.9

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