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Financial highlights

Group key figures as of year-end 2025

Group Key figures 2025
Operating income € 24,536 Million
Operating costs € 9,441 Million
Gross operating profit (loss) € 15,094 Million
Stated Net Profit (loss) € 10,915 Million
Net Profit (loss) € 10,579 Million
Cost/Income ratio 38.5%
Common Equity Tier 1 ratio (CET1r) fully loaded 14.75%
Loans to customers € 433,541 Million
Deposits from customers € 535,371 Million
Shareholders' equity € 67,711 Million
Total Capital ratio transitional 19.00%

* Net Profit equal to Stated net profit adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test.

5-year Group financial results

Group financial results 2021 2022 2023 2024 2025
Reclassified income statement (€ million)          
Operating income 17,954 20,343 23,843 24,844 24,536
Operating costs  -9,797 -9,560 -9,471 -9,405 -9,441
Gross operating profit (loss) 8,158 10,782 14,372 15,439 15,094
Profit (loss) before income tax  1,236 7,289 11,451 12,860 13,677
Net profit (loss) for the period  1,570 6,473 9,537 9,775 11,086
Stated Net Profit (loss) 1,540 6,458 9,507 9,719 10,915
Reclassified balance sheet (€ million)          
Total assets  916,671 857,773 784,974 784,004 870,238
Loans and receivables with customers  437,544 455,781 429,452 418,378 433,541
of which: bad exposures  1,121 601 753 944 1,279
Deposits from customers and debt securities issued  596,402 594,300 585,561 590,213 633,568
Group shareholders’ equity  61,628 63,339 64,079 62,441 67,711
Profitability ratios (%)          
Cost/Income ratio  54.6 47.0 39.7 37.9 38.5

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