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Price: 146 EUR

Market Cap: €2.4B

Income Statement

Net Interest Income

Non Interest Income

Currency: USD

		Dec-2001	Mar-2002	Jun-2002	Sep-2002	Dec-2002	Mar-2003	Jun-2003	Sep-2003	Dec-2003	Mar-2004	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		193	200	205	208	205	205	205	203	203	203	204	208	212	214	217	219	221	220	218	216	213	215	221	227	235	241	245	251	256	263	266	270	274	273	273	274	274	276	277	275	273	266	254	245	235	229	225	222	221	220	222	224	225	226	226	227	228	232	233	234	238	237	240	243	244	250	255	261	267	270	281	290	298	306	312	318	328	332	335	333	330	327	327	336	347	362	369	373	373	377	383	390	398	407	418	428
Interest Income		320	314	308	300	288	282	277	269	265	263	261	266	271	279	292	303	315	320	325	330	335	345	364	383	402	412	407	401	391	384	378	372	368	362	357	352	346	343	341	336	332	322	309	297	286	277	271	266	263	261	262	263	265	266	265	266	265	269	271	272	276	276	279	284	286	291	296	303	311	319	337	351	361	368	363	358	358	354	355	350	346	342	342	357	378	408	434	455	472	487	502	515	523	529	536	541
Interest Expense		127	114	103	92	83	77	72	66	62	60	57	57	59	65	75	84	94	101	107	114	121	130	143	156	167	170	162	150	136	122	112	103	94	89	83	77	71	67	63	61	59	56	54	52	50	48	46	44	42	41	40	40	40	40	39	39	37	38	38	38	38	38	40	42	43	42	41	42	44	49	56	60	63	61	51	39	30	22	20	18	16	15	15	21	31	46	65	83	99	111	119	125	125	122	118	113
Non Interest Income		45	47	46	47	51	54	60	60	56	54	51	52	52	53	55	57	60	61	62	63	65	66	68	70	72	77	77	75	85	83	91	92	81	87	80	79	75	72	82	86	95	113	100	97	92	72	73	73	73	71	72	74	76	78	77	78	78	76	76	76	84	86	88	91	86	94	97	97	101	96	96	100	97	98	106	114	126	137	138	133	130	128	127	142	136	129	122	104	93	94	98	107	123	122	126	120
Revenue		238 N/A	246 +3%	251 +2%	255 +2%	256 +0%	259 +1%	265 +2%	262 -1%	258 -1%	257 0%	255 -1%	260 +2%	264 +1%	267 +1%	271 +2%	275 +1%	280 +2%	281 +0%	280 0%	279 0%	278 0%	280 +1%	289 +3%	298 +3%	306 +3%	318 +4%	323 +1%	326 +1%	341 +4%	345 +1%	357 +3%	361 +1%	355 -2%	360 +1%	354 -2%	354 +0%	349 -1%	348 0%	359 +3%	361 +1%	368 +2%	379 +3%	354 -6%	341 -4%	328 -4%	301 -8%	299 -1%	295 -1%	294 0%	291 -1%	294 +1%	297 +1%	301 +1%	304 +1%	303 0%	305 +1%	305 +0%	308 +1%	309 +0%	310 +0%	322 +4%	323 +0%	327 +1%	333 +2%	330 -1%	344 +4%	352 +2%	358 +2%	368 +3%	366 -1%	377 +3%	390 +4%	395 +1%	404 +2%	417 +3%	433 +4%	453 +5%	469 +4%	472 +1%	466 -1%	460 -1%	454 -1%	454 +0%	478 +5%	483 +1%	490 +1%	492 +0%	476 -3%	466 -2%	471 +1%	481 +2%	497 +3%	521 +5%	529 +2%	543 +3%	547 +1%
Pre-Tax Income
Loan Loss Provision		(13)	(15)	(17)	(17)	(15)	(14)	(13)	(13)	(13)	(11)	(10)	(9)	(9)	(8)	(8)	(7)	(5)	(4)	(5)	(4)	(4)	(6)	(8)	(12)	(30)	(35)	(46)	(57)	(71)	(75)	(77)	(76)	(69)	(73)	(71)	(70)	(87)	(85)	(84)	(86)	(63)	(57)	(50)	(50)	(35)	(27)	(23)	(9)	(3)	(1)	1	(1)	7	4	1	3	(5)	(4)	(5)	5	5	5	3	(8)	(9)	(8)	(5)	(4)	(8)	(10)	(11)	(10)	(6)	(9)	(19)	(31)	(12)	(2)	14	26	12	12	5	3	(5)	(9)	(9)	(4)	(3)	(5)	(6)	(12)	(15)	(13)	(13)	(12)
Non Interest Expense		(114)	(117)	(118)	(120)	(120)	(121)	(123)	(123)	(122)	(124)	(124)	(125)	(126)	(129)	(133)	(136)	(139)	(140)	(141)	(142)	(141)	(145)	(153)	(160)	(224)	(228)	(230)	(287)	(235)	(237)	(243)	(190)	(189)	(191)	(188)	(187)	(187)	(186)	(186)	(185)	(188)	(191)	(189)	(189)	(188)	(186)	(186)	(185)	(182)	(181)	(181)	(181)	(188)	(187)	(186)	(188)	(187)	(191)	(191)	(191)	(204)	(203)	(208)	(212)	(203)	(209)	(212)	(220)	(229)	(231)	(249)	(255)	(264)	(273)	(268)	(272)	(287)	(288)	(295)	(294)	(284)	(283)	(282)	(296)	(298)	(307)	(313)	(308)	(309)	(310)	(309)	(317)	(321)	(322)	(326)	(320)
Pre-Tax Income		111 N/A	115 +3%	117 +2%	119 +2%	121 +2%	124 +2%	129 +4%	126 -2%	123 -2%	123 0%	121 -1%	126 +4%	129 +3%	130 +0%	131 +1%	133 +1%	135 +2%	136 +1%	135 -1%	134 -1%	133 0%	129 -3%	129 0%	125 -3%	53 -58%	55 +5%	46 -16%	(17) N/A	36 N/A	33 -8%	38 +14%	96 +157%	97 +1%	96 -1%	95 -1%	96 +1%	75 -22%	77 +3%	90 +16%	90 +1%	117 +29%	131 +12%	115 -12%	101 -12%	104 +3%	88 -16%	89 +2%	101 +13%	109 +9%	109 0%	114 +4%	115 +1%	120 +5%	120 0%	118 -2%	120 +1%	114 -5%	113 -1%	112 -1%	123 +10%	123 0%	125 +1%	123 -2%	113 -8%	119 +4%	128 +8%	135 +6%	134 -1%	131 -2%	125 -5%	117 -6%	125 +7%	125 0%	122 -3%	130 +7%	129 -1%	155 +20%	179 +16%	192 +7%	199 +4%	188 -5%	183 -3%	177 -3%	185 +4%	180 -3%	174 -4%	170 -2%	164 -3%	154 -6%	156 +2%	166 +6%	167 +1%	185 +11%	194 +5%	205 +6%	216 +6%
Net Income
Tax Provision		(33)	(34)	(34)	(35)	(36)	(37)	(39)	(37)	(36)	(36)	(36)	(37)	(38)	(38)	(38)	(39)	(40)	(41)	(40)	(39)	(39)	(38)	(38)	(36)	(30)	(31)	(27)	(24)	(22)	(21)	(22)	(23)	(23)	(22)	(22)	(23)	(17)	(18)	(22)	(22)	(34)	(39)	(33)	(29)	(26)	(20)	(20)	(25)	(33)	(33)	(36)	(38)	(37)	(37)	(36)	(35)	(33)	(32)	(32)	(36)	(37)	(37)	(36)	(32)	(33)	(31)	(30)	(26)	(21)	(20)	(18)	(20)	(22)	(22)	(23)	(23)	(27)	(31)	(34)	(36)	(34)	(33)	(32)	(33)	(32)	(31)	(29)	(29)	(27)	(28)	(30)	(30)	(33)	(35)	(37)	(40)
Income from Continuing Operations		78	81	83	84	86	87	91	89	87	87	86	89	92	92	93	93	95	96	95	94	94	91	91	89	23	25	19	(40)	14	12	15	73	74	74	74	74	58	60	67	68	82	92	81	73	79	68	69	76	77	76	78	77	84	83	83	84	81	81	80	87	86	88	87	81	85	96	105	108	110	105	99	105	103	100	107	107	128	148	158	163	154	150	145	152	148	143	140	135	127	128	136	137	151	158	167	176
Net Income (Common)		78 N/A	81 +3%	83 +2%	84 +2%	86 +2%	87 +2%	91 +4%	89 -2%	87 -2%	87 0%	86 -1%	89 +4%	92 +3%	92 +0%	93 +1%	93 +1%	95 +2%	96 +1%	95 -1%	94 -1%	94 0%	91 -3%	91 0%	89 -3%	23 -74%	25 +8%	19 -22%	(40) N/A	14 N/A	11 -22%	12 +16%	69 +457%	68 0%	68 -1%	68 0%	68 +0%	52 -23%	54 +2%	61 +15%	62 +1%	76 +23%	86 +12%	75 -12%	68 -9%	75 +11%	66 -12%	69 +5%	76 +10%	77 +1%	76 -2%	78 +2%	77 -1%	84 +9%	83 -1%	83 -1%	84 +2%	81 -4%	81 0%	80 -1%	87 +9%	86 -1%	88 +2%	87 -1%	81 -6%	84 +3%	95 +13%	104 +10%	107 +3%	110 +3%	105 -5%	99 -6%	105 +6%	103 -2%	100 -3%	107 +7%	107 0%	128 +20%	148 +16%	158 +6%	163 +3%	154 -5%	150 -3%	145 -3%	152 +5%	148 -2%	143 -3%	140 -2%	135 -4%	127 -6%	128 +1%	136 +6%	137 +1%	151 +10%	158 +5%	167 +6%	176 +5%
EPS (Diluted)		5.31 N/A	5.5 +4%	5.62 +2%	5.76 +2%	5.86 +2%	6.02 +3%	6.23 +3%	6.06 -3%	5.97 -1%	5.93 -1%	5.91 0%	6.18 +5%	6.32 +2%	6.34 +0%	6.42 +1%	6.52 +2%	6.64 +2%	6.78 +2%	6.77 0%	6.64 -2%	6.74 +2%	6.48 -4%	6.19 -4%	6.24 +1%	1.6 -74%	1.75 +9%	1.37 -22%	-2.88 N/A	0.97 N/A	0.75 -23%	0.87 +16%	4.82 +454%	4.82 N/A	4.55 -6%	4.48 -2%	4.44 -1%	3.45 -22%	3.48 +1%	3.98 +14%	3.98 N/A	4.95 +24%	5.56 +12%	4.87 -12%	4.42 -9%	4.88 +10%	4.28 -12%	4.48 +5%	4.93 +10%	4.99 +1%	4.91 -2%	5.03 +2%	4.99 -1%	5.45 +9%	5.42 -1%	5.37 -1%	5.48 +2%	5.26 -4%	5.24 0%	5.17 -1%	5.65 +9%	5.59 -1%	5.69 +2%	5.63 -1%	5.29 -6%	5.46 +3%	6.16 +13%	6.76 +10%	6.76 N/A	7.07 +5%	6.68 -6%	5.95 -11%	6.36 +7%	6.29 -1%	6.07 -3%	6.5 +7%	6.49 0%	7.8 +20%	9.04 +16%	9.56 +6%	9.9 +4%	9.37 -5%	9.19 -2%	8.87 -3%	9.28 +5%	9.07 -2%	8.77 -3%	8.64 -1%	8.34 -3%	7.8 -6%	7.91 +1%	8.39 +6%	8.46 +1%	9.32 +10%	9.74 +5%	10.3 +6%	10.88 +6%

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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