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Price: 31.6 EUR 1.94% Market Closed

Market Cap: €2B

Income Statement

Net Interest Income

Non Interest Income

Currency: USD

		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	Dec-2025
Revenue
Net Interest Income		48	50	51	52	52	51	50	49	49	49	52	55	62	70	75	80	82	82	84	84	84	85	90	96	102	108	110	109	108	104	102	100	99	98	100	105	112	121	127	129	131	132	132	133	134	135	141	157	174	192	203	203	201	201	219	241	263	288	295	301	305	307	322	337	352	365	374	397	420	441	450	444	437	430	428	427	430	434	431	424	414	418	445	481	517	534	531	519	507	502	505	512	523	617	709	804
Interest Income		85	82	80	78	77	75	73	71	70	70	73	77	89	103	115	128	135	141	148	154	160	166	183	198	210	217	210	201	192	184	176	171	166	162	163	166	169	175	173	171	167	164	161	159	158	158	163	181	198	216	228	226	225	223	241	263	285	312	321	329	335	338	356	375	393	412	429	462	499	530	547	543	536	522	509	498	490	487	479	469	457	460	489	542	616	689	752	797	827	850	873	888	895	1 019	1 141	1 262
Interest Expense		36	32	29	27	25	24	23	22	21	20	21	22	27	33	40	48	53	59	64	70	76	81	93	102	108	109	101	92	84	80	75	71	68	64	63	60	58	54	47	41	37	32	29	26	24	23	23	24	24	25	25	24	23	22	22	22	23	24	26	28	30	31	34	38	41	47	55	65	78	89	96	99	99	92	82	71	60	53	48	45	43	42	44	61	98	155	221	278	320	348	368	376	372	402	431	458
Non Interest Income		25	26	27	28	29	30	31	32	32	33	34	32	34	35	37	40	42	43	44	46	47	49	51	52	53	54	55	54	55	57	57	58	55	54	95	93	104	103	66	65	60	64	64	69	70	71	72	72	73	75	79	81	84	87	97	108	120	132	139	137	136	135	130	132	134	135	140	144	146	152	152	153	155	177	210	236	279	262	242	227	184	173	164	149	149	129	126	113	117	139	190	204	199	208	165	182
Revenue		73 N/A	76 +4%	78 +3%	80 +2%	81 +1%	81 +1%	81 0%	81 0%	81 +1%	83 +1%	86 +4%	88 +2%	96 +10%	105 +9%	111 +6%	121 +8%	123 +2%	125 +1%	128 +3%	130 +1%	131 +1%	134 +2%	141 +5%	148 +5%	156 +5%	163 +4%	164 +1%	163 0%	163 -1%	161 -1%	159 -1%	157 -1%	154 -2%	152 -1%	195 +28%	198 +2%	216 +9%	223 +3%	193 -14%	194 +1%	191 -1%	196 +2%	196 0%	202 +3%	204 +1%	206 +1%	212 +3%	229 +8%	247 +8%	267 +8%	282 +6%	283 +0%	285 +1%	288 +1%	316 +10%	350 +11%	382 +9%	420 +10%	434 +3%	438 +1%	441 +1%	442 +0%	452 +2%	469 +4%	486 +4%	500 +3%	514 +3%	541 +5%	566 +5%	593 +5%	603 +2%	597 -1%	592 -1%	607 +3%	638 +5%	662 +4%	709 +7%	696 -2%	673 -3%	651 -3%	598 -8%	591 -1%	608 +3%	631 +4%	667 +6%	663 0%	657 -1%	632 -4%	624 -1%	640 +3%	695 +9%	716 +3%	722 +1%	825 +14%	875 +6%	986 +13%
Pre-Tax Income
Loan Loss Provision		(5)	(5)	(5)	(4)	(4)	(4)	(3)	(3)	(2)	(2)	(2)	(2)	(2)	(2)	(2)	(3)	(3)	(2)	(2)	(2)	(2)	(3)	(4)	(5)	(7)	(8)	(10)	(23)	(25)	(30)	(34)	(27)	(29)	(29)	(33)	(31)	(30)	(28)	(22)	(22)	(22)	(21)	(20)	(18)	(16)	(15)	(12)	(10)	(9)	(7)	(7)	(6)	(6)	(6)	(4)	(5)	(6)	(6)	(8)	(8)	(7)	(8)	(7)	(8)	(8)	(8)	(8)	(7)	(7)	(6)	(5)	(7)	0	0	0	(2)	(2)	(2)	(0)	2	0	(2)	(13)	(24)	(30)	(31)	(27)	(19)	(13)	(15)	(11)	(11)	(11)	(82)	(90)	(93)
Non Interest Expense		(48)	(49)	(50)	(51)	(51)	(52)	(53)	(53)	(54)	(54)	(57)	(61)	(68)	(75)	(79)	(84)	(85)	(86)	(89)	(89)	(90)	(91)	(95)	(98)	(102)	(107)	(108)	(108)	(108)	(108)	(106)	(106)	(104)	(104)	(117)	(121)	(134)	(139)	(137)	(137)	(138)	(143)	(145)	(151)	(152)	(153)	(160)	(173)	(183)	(195)	(196)	(191)	(191)	(192)	(220)	(245)	(267)	(294)	(294)	(295)	(295)	(292)	(296)	(302)	(310)	(314)	(328)	(345)	(356)	(370)	(372)	(374)	(427)	(479)	(522)	(557)	(532)	(496)	(460)	(430)	(408)	(397)	(395)	(396)	(409)	(420)	(426)	(436)	(441)	(443)	(457)	(460)	(464)	(542)	(605)	(667)
Pre-Tax Income		21 N/A	22 +7%	23 +6%	25 +5%	25 +4%	25 N/A	25 -2%	25 N/A	25 N/A	26 +3%	26 +2%	25 -3%	27 +5%	28 +6%	30 +7%	34 +11%	35 +4%	37 +5%	38 +2%	39 +3%	40 +3%	40 0%	42 +7%	45 +7%	47 +3%	48 +3%	47 -3%	33 -30%	29 -11%	24 -19%	19 -22%	24 +32%	21 -14%	20 -5%	45 +125%	47 +4%	53 +13%	56 +6%	34 -39%	35 +1%	32 -8%	32 +0%	31 -3%	34 +8%	36 +7%	39 +8%	39 +2%	46 +16%	55 +21%	65 +18%	79 +21%	86 +9%	89 +3%	90 +2%	92 +2%	100 +9%	109 +9%	121 +11%	132 +9%	136 +3%	139 +3%	143 +2%	148 +4%	160 +8%	168 +5%	178 +6%	178 0%	189 +6%	204 +8%	217 +7%	225 +4%	216 -4%	160 -26%	124 -22%	113 -9%	104 -8%	176 +70%	199 +13%	213 +7%	223 +5%	190 -15%	192 +1%	201 +5%	211 +5%	227 +8%	212 -7%	205 -4%	177 -13%	169 -5%	182 +8%	227 +25%	245 +8%	248 +1%	202 -19%	180 -11%	227 +26%
Net Income
Tax Provision		(5)	(6)	(7)	(7)	(7)	(7)	(7)	(7)	(7)	(7)	(7)	(7)	(7)	(8)	(8)	(10)	(10)	(11)	(11)	(12)	(12)	(12)	(13)	(14)	(14)	(15)	(14)	(9)	(7)	(6)	(4)	(6)	(5)	(4)	(14)	(15)	(17)	(18)	(10)	(9)	(8)	(7)	(6)	(7)	(8)	(9)	(10)	(12)	(16)	(19)	(24)	(26)	(27)	(28)	(29)	(32)	(35)	(40)	(44)	(45)	(46)	(47)	(49)	(53)	(52)	(50)	(44)	(42)	(46)	(49)	(52)	(48)	(35)	(26)	(22)	(20)	(36)	(39)	(42)	(47)	(38)	(41)	(44)	(45)	(49)	(44)	(42)	(33)	(31)	(34)	(48)	(50)	(50)	(42)	(33)	(45)
Income from Continuing Operations		15	16	17	18	18	18	18	18	18	19	19	18	19	20	22	24	25	26	26	27	28	28	29	31	33	33	33	24	22	18	15	19	16	16	31	32	36	38	25	26	24	25	25	27	28	30	30	34	40	46	55	60	61	62	62	68	74	82	89	91	94	96	99	107	117	128	134	147	158	168	174	168	124	98	91	84	140	160	170	176	152	150	157	166	179	168	163	145	138	148	179	195	198	160	147	181
Net Income (Common)		14 N/A	15 +6%	16 +5%	16 +4%	18 +11%	18 +1%	18 N/A	18 -1%	18 +1%	19 +3%	19 +1%	18 -3%	19 +5%	20 +6%	22 +8%	24 +10%	25 +4%	26 +3%	26 +1%	27 +3%	28 +1%	28 +0%	29 +6%	31 +6%	33 +5%	33 +3%	33 -2%	24 -26%	22 -10%	18 -17%	15 -19%	19 +26%	16 -13%	16 -3%	31 +99%	32 +2%	36 +13%	38 +6%	25 -35%	26 +4%	24 -6%	25 +2%	25 +2%	27 +6%	28 +6%	30 +6%	30 -1%	34 +14%	40 +18%	46 +17%	55 +19%	60 +8%	61 +3%	62 +1%	62 +1%	68 +9%	74 +9%	82 +10%	89 +9%	91 +3%	94 +3%	96 +3%	99 +3%	92 -7%	102 +11%	113 +11%	119 +5%	147 +23%	158 +8%	168 +6%	174 +3%	168 -3%	124 -26%	98 -21%	91 -8%	84 -8%	140 +67%	160 +15%	170 +6%	176 +3%	152 -14%	150 -1%	157 +4%	166 +6%	179 +8%	168 -6%	163 -3%	145 -11%	138 -5%	148 +7%	179 +21%	195 +9%	198 +1%	160 -19%	147 -8%	181 +23%
EPS (Diluted)		1.11 N/A	1.19 +7%	1.24 +4%	1.3 +5%	1.43 +10%	1.46 +2%	1.47 +1%	1.46 -1%	1.47 +1%	1.52 +3%	1.39 -9%	1.42 +2%	1.22 -14%	1.29 +6%	1.39 +8%	1.54 +11%	1.6 +4%	1.65 +3%	1.67 +1%	1.71 +2%	1.74 +2%	1.59 -9%	1.36 -14%	1.64 +21%	1.54 -6%	1.57 +2%	1.54 -2%	1.14 -26%	1.03 -10%	0.85 -17%	0.69 -19%	0.87 +26%	0.76 -13%	0.74 -3%	1.28 +73%	1.38 +8%	1.41 +2%	1.49 +6%	0.98 -34%	1.02 +4%	0.96 -6%	0.98 +2%	1 +2%	1.06 +6%	1.12 +6%	1.19 +6%	1.07 -10%	1.22 +14%	1.24 +2%	1.46 +18%	1.75 +20%	1.88 +7%	1.93 +3%	1.94 +1%	1.54 -21%	1.88 +22%	1.82 -3%	1.92 +5%	2.09 +9%	2.17 +4%	2.1 -3%	2.15 +2%	2.01 -7%	1.96 -2%	2.06 +5%	2.29 +11%	2.26 -1%	2.79 +23%	2.69 -4%	2.86 +6%	2.98 +4%	2.88 -3%	2.2 -24%	1.73 -21%	1.6 -8%	1.48 -8%	2.47 +67%	2.83 +15%	3.01 +6%	3.12 +4%	2.69 -14%	2.68 0%	2.8 +4%	2.95 +5%	3.18 +8%	2.98 -6%	2.89 -3%	2.56 -11%	2.44 -5%	2.62 +7%	2.9 +11%	3.27 +13%	3.08 -6%	1.67 -46%	1.54 -8%	2.07 +34%

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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