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Price: 31.4 EUR -0.63% Market Closed

Market Cap: €2.3B

Income Statement

Net Interest Income

Non Interest Income

Currency: USD

		Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025
Revenue
Net Interest Income		33	39	44	51	55	58	62	66	70	73	77	80	83	86	86	85	85	86	87	89	91	95	100	107	113	117	123	128	132	135	136	137	139	142	144	145	145	144	144	144	144	145	146	154	163	171	180	183	186	203	219	233	254	258	261	277	295	318	341	352	355	358	358	360	364	370	380	391	399	402	402	402	410	433	461	486	490	479	458	438	433	432	443	460	488	523
Interest Income		49	55	62	69	75	82	90	98	107	117	126	136	145	152	156	156	154	152	151	152	155	158	161	165	167	167	169	171	173	174	173	171	171	172	174	173	172	171	170	170	171	172	173	182	192	202	213	216	220	238	255	270	292	299	305	327	354	386	422	444	456	466	468	468	465	461	460	458	456	450	444	440	448	476	518	573	628	673	705	729	749	763	775	777	790	812
Interest Expense		15	16	17	18	20	23	27	32	37	43	49	56	62	67	70	71	69	66	64	63	64	63	61	57	54	50	47	43	41	39	36	34	32	30	29	28	27	27	26	26	26	27	27	28	29	31	32	33	34	35	36	37	38	41	44	50	59	68	81	92	101	108	110	108	101	91	80	68	57	48	41	38	38	42	57	87	138	194	247	291	316	330	332	317	302	289
Non Interest Income		18	18	19	23	26	31	34	35	36	35	34	34	35	35	37	40	41	44	44	48	53	57	63	62	64	68	66	66	68	65	68	72	76	81	84	88	90	91	91	89	90	93	97	103	111	115	117	121	124	141	155	168	182	184	188	193	193	193	192	188	193	198	206	208	222	263	284	319	315	290	278	269	261	246	226	220	231	235	236	240	237	240	251	259	263	270
Revenue		51 N/A	57 +12%	64 +12%	73 +15%	81 +10%	89 +10%	97 +9%	101 +5%	105 +4%	109 +3%	111 +2%	114 +3%	118 +3%	120 +2%	122 +2%	125 +2%	126 +1%	130 +3%	131 +1%	137 +5%	144 +5%	152 +5%	163 +8%	169 +4%	177 +4%	185 +4%	189 +2%	194 +3%	199 +3%	201 +1%	204 +2%	209 +3%	215 +3%	223 +4%	229 +2%	233 +2%	235 +1%	235 +0%	234 0%	233 -1%	234 +1%	238 +2%	242 +2%	257 +6%	273 +6%	286 +5%	298 +4%	304 +2%	310 +2%	344 +11%	374 +9%	401 +7%	436 +9%	442 +1%	449 +2%	470 +5%	488 +4%	510 +5%	533 +4%	540 +1%	548 +1%	556 +1%	564 +1%	568 +1%	586 +3%	633 +8%	664 +5%	709 +7%	714 +1%	692 -3%	680 -2%	671 -1%	670 0%	680 +1%	687 +1%	706 +3%	720 +2%	714 -1%	694 -3%	677 -2%	670 -1%	672 +0%	694 +3%	719 +4%	751 +5%	792 +5%
Pre-Tax Income
Loan Loss Provision		(3)	(3)	(3)	(3)	(2)	(2)	(2)	(2)	(2)	(2)	(3)	(3)	(3)	(3)	(3)	(3)	(4)	(5)	(7)	(8)	(9)	(11)	(13)	(14)	(18)	(22)	(23)	(24)	(24)	(18)	(14)	(14)	(11)	(14)	(16)	(16)	(11)	(7)	(4)	(1)	(0)	(1)	(1)	(1)	(3)	(2)	(3)	(2)	(3)	(4)	(5)	(8)	(7)	(6)	(5)	(5)	(7)	(7)	(9)	(8)	(8)	(8)	(9)	(9)	(9)	(9)	(6)	(1)	12	16	17	14	4	(2)	(9)	(22)	(25)	(22)	(19)	(6)	(2)	(0)	1	(3)	(9)	(26)
Non Interest Expense		(35)	(39)	(44)	(50)	(55)	(61)	(67)	(71)	(73)	(75)	(76)	(78)	(81)	(84)	(86)	(87)	(88)	(90)	(91)	(96)	(102)	(106)	(112)	(115)	(117)	(120)	(123)	(127)	(133)	(138)	(145)	(148)	(152)	(155)	(159)	(162)	(165)	(168)	(169)	(169)	(170)	(171)	(179)	(188)	(193)	(198)	(202)	(204)	(227)	(248)	(268)	(286)	(292)	(295)	(296)	(318)	(329)	(344)	(352)	(352)	(359)	(368)	(378)	(389)	(408)	(442)	(457)	(452)	(442)	(414)	(417)	(437)	(440)	(448)	(441)	(456)	(473)	(478)	(489)	(490)	(489)	(498)	(504)	(509)	(536)	(562)
Pre-Tax Income		12 N/A	14 +16%	18 +24%	21 +20%	24 +13%	25 +7%	27 +7%	28 +2%	30 +6%	31 +6%	32 +3%	34 +4%	34 +1%	34 +1%	34 +0%	34 +1%	34 -1%	34 +1%	33 -5%	33 +1%	33 +1%	35 +4%	38 +10%	41 +7%	42 +3%	43 +1%	43 +2%	44 +1%	43 -2%	44 +3%	46 +3%	47 +4%	52 +9%	53 +3%	54 +0%	55 +3%	58 +6%	60 +3%	61 +2%	63 +2%	64 +2%	66 +4%	63 -5%	68 +8%	77 +13%	85 +10%	93 +8%	98 +6%	81 -17%	92 +13%	101 +10%	107 +6%	136 +28%	140 +3%	148 +5%	147 0%	152 +3%	160 +5%	172 +8%	180 +5%	181 +0%	179 -1%	176 -2%	170 -4%	169 0%	181 +7%	201 +11%	257 +28%	284 +11%	293 +3%	280 -5%	248 -11%	234 -6%	230 -2%	237 +3%	228 -4%	222 -2%	213 -4%	186 -13%	181 -3%	179 -1%	173 -3%	190 +10%	207 +9%	206 0%	204 -1%
Net Income
Tax Provision		(4)	(5)	(6)	(7)	(8)	(9)	(10)	(10)	(10)	(11)	(11)	(11)	(10)	(10)	(11)	(11)	(10)	(10)	(9)	(9)	(9)	(9)	(12)	(12)	(13)	(13)	(13)	(13)	(12)	(13)	(13)	(13)	(14)	(15)	(14)	(14)	(16)	(16)	(17)	(18)	(18)	(19)	(18)	(20)	(22)	(25)	(27)	(29)	(23)	(26)	(29)	(30)	(40)	(41)	(45)	(41)	(38)	(35)	(34)	(36)	(36)	(35)	(33)	(31)	(29)	(29)	(32)	(42)	(49)	(56)	(55)	(49)	(47)	(44)	(47)	(45)	(43)	(40)	(31)	(29)	(27)	(24)	(28)	(29)	(32)	(33)
Income from Continuing Operations		8	9	11	14	15	16	18	18	19	21	22	23	23	24	23	24	24	24	24	24	25	26	27	29	29	30	31	31	31	32	33	34	38	39	40	41	43	44	44	45	45	47	45	49	55	61	66	69	58	65	72	77	97	99	103	106	114	125	139	145	145	145	144	139	140	151	169	214	235	237	225	199	188	186	191	183	179	173	155	152	151	150	163	178	175	171
Income to Minority Interest		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(0)	0	0	0	0	(0)	(1)	(1)	(1)	(1)	1	1	1	0	(1)	(1)	(2)	(2)	(2)	(2)	(3)	(3)	(3)	(3)	(3)	(3)	(3)	(3)	(3)	(3)	(4)	(5)	(5)	(5)	(5)	(5)	(5)	(5)	(5)	(5)	(4)	(4)	(4)	(5)	(5)	(5)	(6)	(21)	(24)	(26)	(26)	(12)	(10)	(7)	(5)	(3)	(2)	(1)	(2)	(1)	(1)	(2)	(0)	(1)	(1)	(1)	(1)	(1)
Net Income (Common)		8 N/A	9 +15%	11 +26%	14 +20%	15 +13%	16 +7%	18 +9%	18 +2%	19 +7%	21 +7%	22 +6%	23 +4%	23 +2%	24 +2%	23 -1%	24 +2%	24 +0%	24 +2%	23 -7%	20 -11%	18 -10%	16 -9%	17 +2%	19 +13%	19 +3%	20 +2%	21 +6%	21 +1%	22 +3%	22 -1%	23 +6%	24 +7%	27 +11%	30 +11%	32 +5%	33 +5%	35 +6%	36 +3%	38 +3%	39 +5%	41 +4%	44 +7%	41 -5%	45 +8%	51 +14%	57 +11%	62 +10%	66 +5%	54 -18%	61 +12%	67 +11%	72 +6%	91 +28%	94 +3%	88 -7%	90 +3%	99 +10%	110 +11%	134 +22%	141 +5%	140 0%	140 0%	139 -1%	134 -4%	134 N/A	131 -2%	146 +11%	188 +29%	209 +11%	225 +8%	215 -4%	192 -11%	183 -5%	183 0%	189 +4%	182 -4%	177 -3%	172 -3%	154 -10%	150 -2%	151 +1%	149 -1%	162 +8%	178 +10%	174 -2%	170 -2%
EPS (Diluted)		0.35 N/A	0.36 +3%	0.47 +31%	0.52 +11%	0.58 +12%	0.63 +9%	0.68 +8%	0.66 -3%	0.71 +8%	0.76 +7%	0.8 +5%	0.84 +5%	0.85 +1%	0.87 +2%	0.85 -2%	0.87 +2%	0.87 N/A	0.89 +2%	0.82 -8%	0.72 -12%	0.64 -11%	0.59 -8%	0.6 +2%	0.6 N/A	0.66 +10%	0.64 -3%	0.68 +6%	0.68 N/A	0.7 +3%	0.72 +3%	0.76 +6%	0.78 +3%	0.87 +12%	0.96 +10%	1.03 +7%	1.04 +1%	1.12 +8%	1.14 +2%	1.14 N/A	1.12 -2%	1.18 +5%	1.24 +5%	1.18 -5%	0.88 -25%	0.99 +12%	1.1 +11%	1.22 +11%	1.28 +5%	1.05 -18%	0.97 -8%	1.18 +22%	1.14 -3%	1.47 +29%	1.52 +3%	1.4 -8%	1.3 -7%	1.37 +5%	1.52 +11%	1.89 +24%	1.96 +4%	1.96 N/A	1.95 -1%	1.92 -2%	1.85 -4%	1.85 N/A	1.81 -2%	2.01 +11%	2.6 +29%	2.89 +11%	3.1 +7%	2.97 -4%	2.64 -11%	2.51 -5%	2.51 N/A	2.6 +4%	2.44 -6%	2.36 -3%	2.29 -3%	2.06 -10%	2.01 -2%	2.02 +0%	1.99 -1%	2.15 +8%	2.36 +10%	2.3 -3%	2.21 -4%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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