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Price: 25.9 EUR -3.86% Market Closed

Market Cap: €1.6B

Income Statement

Net Interest Income

Non Interest Income

Currency: EUR

		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		14	13	15	15	16	15	15	15	15	15	15	17	20	23	25	28	27	27	26	22	22	22	21	25	27	28	29	33	42	70	97	118	179	198	215	229	207	232	240	245	222	225	223	218	209	215	228	240	268	299	296	372	312	341	308	348	331	327	349	327	339	315	323	275	339	364	357	441	366	381	522	526	415	749	768	766	431	764	755	759	402	729	697	697
Interest Income		22	24	25	26	28	30	31	33	36	39	43	49	56	62	68	73	75	72	68	62	56	55	54	58	64	68	74	88	106	145	185	216	290	319	348	370	346	367	363	353	315	301	282	264	250	255	270	287	325	346	381	444	419	448	417	457	436	432	457	434	453	429	438	390	447	471	466	550	480	495	631	635	529	863	975	972	566	1 259	1 331	1 334	533	1 291	1 228	1 228
Interest Expense		8	7	10	11	13	14	16	18	21	25	28	33	36	39	43	45	47	44	42	39	34	33	33	34	37	40	45	55	64	75	88	98	111	121	133	141	139	135	122	107	93	76	59	46	42	40	42	47	57	0	0	0	107	0	0	0	105	0	0	0	114	0	0	0	108	0	0	0	114	0	50	0	114	0	207	0	343	0	423	0	433	0	402	0
Non Interest Income		17	20	21	23	29	32	32	31	30	28	31	35	36	38	41	42	44	47	50	53	64	69	72	76	72	75	81	85	87	88	89	94	72	68	60	48	64	41	42	42	69	68	192	192	204	209	89	108	110	103	128	122	125	130	121	117	124	136	134	139	126	148	146	136	134	110	123	135	131	141	162	166	145	220	238	230	158	232	247	258	190	282	302	317
Revenue		30 N/A	33 +9%	36 +10%	38 +6%	44 +17%	47 +7%	47 -1%	46 -1%	44 -4%	43 -2%	47 +8%	52 +11%	56 +8%	61 +8%	66 +9%	70 +6%	72 +2%	74 +4%	76 +2%	76 0%	86 +14%	90 +5%	93 +3%	101 +8%	100 -1%	103 +3%	109 +6%	118 +8%	130 +9%	158 +22%	186 +18%	213 +14%	251 +18%	267 +6%	275 +3%	277 +1%	270 -3%	273 +1%	282 +3%	288 +2%	291 +1%	293 +1%	415 +42%	409 -1%	413 +1%	424 +3%	316 -25%	348 +10%	378 +9%	402 +6%	424 +5%	494 +17%	437 -12%	471 +8%	429 -9%	465 +8%	456 -2%	463 +2%	484 +5%	465 -4%	465 0%	463 0%	469 +1%	411 -12%	473 +15%	473 +0%	480 +1%	576 +20%	497 -14%	522 +5%	683 +31%	692 +1%	560 -19%	969 +73%	1 006 +4%	996 -1%	590 -41%	996 +69%	1 002 +1%	1 017 +2%	592 -42%	1 010 +71%	999 -1%	1 014 +2%
Pre-Tax Income
Loan Loss Provision		(4)	(4)	(5)	(3)	(4)	(4)	(4)	(4)	(2)	(0)	0	(1)	(3)	(4)	(5)	(5)	(6)	(7)	(9)	(10)	(20)	(21)	(22)	(26)	(24)	(27)	(29)	(29)	(32)	(33)	(33)	(38)	(51)	(59)	(65)	(60)	(45)	(39)	(39)	(40)	(35)	(32)	(30)	(23)	(25)	(32)	(41)	(51)	(55)	(49)	30	(4)	78	70	58	(2)	39	37	30	59	33	27	(13)	34	(50)	(47)	(14)	(64)	45	44	44	42	55	(36)	(30)	(18)	79	1	24	2	93	(7)	(22)	(8)
Non Interest Expense		(13)	(13)	(16)	(16)	(20)	(21)	(20)	(20)	(19)	(20)	(22)	(23)	(25)	(27)	(29)	(31)	(33)	(35)	(37)	(38)	(40)	(42)	(43)	(45)	(46)	(46)	(47)	(51)	(56)	(61)	(73)	(76)	(77)	(81)	(77)	(78)	(83)	(89)	(93)	(98)	(111)	(115)	(119)	(129)	(142)	(153)	(167)	(177)	408	391	364	346	(267)	(282)	(291)	(294)	(292)	(309)	(300)	(318)	(321)	(319)	(336)	(330)	(331)	(342)	(351)	(369)	(392)	(394)	(490)	(495)	(403)	(603)	(618)	(619)	(432)	(637)	(659)	(652)	(439)	(639)	(629)	(304)
Pre-Tax Income		13 N/A	15 +8%	16 +10%	19 +16%	21 +11%	23 +12%	23 N/A	22 -7%	24 +10%	23 -3%	25 +9%	28 +11%	29 +3%	31 +6%	33 +8%	34 +3%	32 -5%	32 -2%	30 -5%	28 -7%	26 -7%	28 +7%	29 +3%	30 +4%	30 N/A	30 +1%	33 +9%	38 +15%	42 +11%	64 +54%	80 +25%	98 +23%	123 +25%	127 +3%	134 +5%	139 +4%	143 +3%	146 +2%	150 +3%	150 N/A	145 -3%	147 +1%	266 +81%	258 -3%	246 -5%	239 -3%	108 -55%	121 +12%	730 +505%	743 +2%	818 +10%	836 +2%	249 -70%	258 +4%	197 -24%	169 -14%	203 +20%	191 -6%	214 +12%	206 -4%	176 -15%	171 -3%	120 -30%	116 -3%	92 -21%	84 -8%	116 +37%	143 +23%	150 +5%	172 +15%	237 +38%	239 +1%	212 -11%	329 +55%	358 +9%	359 +0%	238 -34%	360 +52%	368 +2%	368 +0%	245 -33%	365 +49%	348 -5%	702 +102%
Net Income
Tax Provision		(5)	(6)	(4)	(4)	(6)	(7)	(8)	(8)	(9)	(8)	(9)	(9)	(9)	(9)	(9)	(10)	(10)	(9)	(9)	(9)	(9)	(10)	(11)	(11)	(11)	(12)	(12)	(13)	(15)	(24)	(29)	(35)	(45)	(46)	(49)	(51)	(58)	(59)	(59)	(58)	(49)	(49)	(89)	(87)	(84)	(81)	(38)	(42)	(33)	(35)	(56)	(56)	(68)	(72)	(53)	(48)	(56)	(52)	(65)	(64)	(53)	(52)	(28)	(24)	(23)	(21)	(34)	(44)	(48)	(55)	(76)	(77)	(70)	(108)	(117)	(118)	(76)	(117)	(122)	(123)	(82)	(121)	(110)	(113)
Income from Continuing Operations		9	9	12	14	15	16	15	14	15	15	17	19	20	21	23	24	23	22	21	19	17	18	18	18	19	19	21	24	27	41	51	63	78	81	85	88	85	87	91	92	96	97	177	171	162	158	70	79	698	708	762	781	181	186	143	121	147	139	149	142	123	120	92	92	69	64	82	98	102	117	161	162	142	222	241	242	162	244	246	245	163	244	238	590
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	0	0	0	(0)	0	0	0	0	0	0	0	0	0	0	0	0	0	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)	(2)	(2)	(2)	(2)	(1)	(1)	(2)	(2)	(2)	(2)	(3)	(3)	(3)	(2)	(2)	(2)	(2)
Net Income (Common)		9 N/A	9 +1%	12 +38%	14 +19%	15 +3%	16 +9%	15 -7%	14 -9%	15 +9%	15 -2%	17 +13%	19 +14%	20 +3%	21 +8%	23 +9%	24 +2%	23 -3%	22 -2%	21 -6%	19 -8%	17 -11%	18 +4%	18 N/A	18 +3%	19 +1%	19 +1%	21 +12%	24 +14%	27 +11%	41 +53%	51 +26%	63 +24%	78 +23%	81 +4%	85 +4%	88 +3%	85 -3%	87 +3%	91 +4%	92 +1%	96 +4%	97 +2%	177 +81%	171 -3%	162 -5%	158 -3%	70 -55%	79 +13%	698 +779%	708 +2%	762 +8%	781 +2%	181 -77%	186 +3%	143 -23%	121 -16%	147 +22%	139 -5%	149 +7%	142 -5%	123 -13%	120 -3%	92 -23%	91 0%	69 -25%	63 -9%	80 +29%	97 +20%	101 +4%	115 +15%	160 +38%	161 +1%	141 -12%	220 +56%	239 +8%	239 +0%	160 -33%	241 +51%	244 +1%	243 0%	162 -33%	242 +50%	235 -3%	588 +150%
EPS (Diluted)		0.26 N/A	0.2 -23%	0.28 +40%	0.33 +18%	0.42 +27%	0.37 -12%	0.34 -8%	0.3 -12%	0.29 -3%	0.33 +14%	0.31 -6%	0.44 +42%	0.39 -11%	0.44 +13%	0.38 -14%	0.41 +8%	0.46 +12%	0.45 -2%	0.4 -11%	0.39 -3%	0.34 -13%	0.35 +3%	0.41 +17%	0.39 -5%	0.35 -10%	0.35 N/A	0.42 +20%	0.46 +10%	0.51 +11%	0.79 +55%	0.93 +18%	1.2 +29%	1.46 +22%	1.51 +3%	1.61 +7%	1.69 +5%	1.61 -5%	1.66 +3%	1.73 +4%	1.74 +1%	1.81 +4%	1.84 +2%	3.33 +81%	3.21 -4%	3.05 -5%	2.98 -2%	1.33 -55%	1.5 +13%	13.13 +775%	13.27 +1%	14.24 +7%	14.45 +1%	3.38 -77%	3.48 +3%	2.67 -23%	2.26 -15%	2.75 +22%	2.6 -5%	2.75 +6%	2.65 -4%	2.3 -13%	2.23 -3%	1.7 -24%	1.7 N/A	1.29 -24%	1.16 -10%	1.5 +29%	1.81 +21%	1.88 +4%	2.16 +15%	3.03 +40%	3.03 N/A	2.68 -12%	4.21 +57%	4.54 +8%	4.56 +0%	3.05 -33%	4.6 +51%	4.55 -1%	4.61 +1%	3.03 -34%	4.59 +51%	4.4 -4%	11.06 +151%

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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