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Financial highlights

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.

	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.