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Price: 76.2 EUR

Market Cap: 5.4B EUR

Income Statement

Net Interest Income

Non Interest Income

Currency: EUR

		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
Revenue
Net Interest Income		158	156	154	153	158	170	185	202	212	215	219	226	241	234	223	210	195	201	211	215	225	234	241	252	249	254	261	268	275	276	276	273	279	282	279	280	277	278	285	288	287	288	289	290	314	316	318	318	300	301	303	306	308	311	312	315	315	317	324	326	345	352	351	357	346	346	344	340	337	334	334	340	346	354	369	375	406	446	498	560	597	633	645	649	656	646	640
Interest Income		364	355	353	352	358	376	399	423	442	456	475	502	539	560	579	602	614	645	674	693	717	697	651	587	524	488	473	474	541	545	555	565	599	610	609	603	564	548	538	525	481	477	472	468	483	478	474	469	437	435	433	431	421	420	419	419	416	416	420	423	447	456	465	473	468	466	455	437	418	402	394	396	389	404	418	443	541	645	786	939	1 126	1 207	1 238	1 243	1 256	1 216	1 180
Interest Expense		206	200	199	199	200	207	214	221	230	241	256	276	298	325	357	393	419	444	462	479	492	464	410	335	275	233	212	206	265	270	279	293	320	328	330	323	287	270	252	237	194	189	183	178	169	163	156	150	138	134	130	126	113	109	106	104	100	100	96	98	102	105	114	117	122	120	111	97	81	68	60	55	43	50	50	67	135	198	288	379	528	576	595	595	600	570	540
Non Interest Income		112	112	113	115	179	112	109	111	212	118	122	115	113	129	153	180	202	199	190	179	194	156	156	154	122	150	151	165	163	182	192	189	189	183	172	176	176	186	192	187	194	203	207	207	197	219	222	241	241	238	243	234	232	255	259	268	257	263	277	281	315	274	272	289	296	274	375	393	250	445	346	321	364	339	324	296	360	436	468	509	396	345	351	359	369	389	377
Revenue		269 N/A	268 -1%	267 0%	268 +0%	337 +26%	282 -16%	294 +4%	312 +6%	423 +35%	333 -21%	340 +2%	341 +0%	355 +4%	363 +2%	375 +3%	389 +4%	397 +2%	400 +1%	401 +0%	394 -2%	420 +7%	390 -7%	397 +2%	406 +2%	372 -9%	404 +9%	411 +2%	433 +5%	438 +1%	458 +5%	468 +2%	462 -1%	468 +1%	465 -1%	450 -3%	456 +1%	454 -1%	464 +2%	477 +3%	475 0%	481 +1%	491 +2%	496 +1%	497 +0%	511 +3%	535 +5%	539 +1%	560 +4%	540 -3%	539 0%	546 +1%	539 -1%	541 +0%	566 +5%	572 +1%	583 +2%	572 -2%	580 +1%	601 +4%	607 +1%	661 +9%	626 -5%	623 0%	646 +4%	642 -1%	620 -3%	720 +16%	733 +2%	587 -20%	779 +33%	680 -13%	662 -3%	710 +7%	693 -2%	693 0%	671 -3%	766 +14%	883 +15%	966 +9%	1 069 +11%	993 -7%	978 -2%	996 +2%	1 007 +1%	1 025 +2%	1 035 +1%	1 017 -2%
Pre-Tax Income
Loan Loss Provision		0	0	0	0	(63)	(15)	(29)	(43)	(51)	(49)	(50)	(47)	(56)	(59)	(62)	(69)	(68)	(69)	(66)	(64)	(68)	(74)	(86)	(96)	(91)	(93)	(93)	(101)	(104)	(103)	(103)	(95)	(98)	(92)	(72)	(66)	(60)	(55)	(67)	(69)	(71)	(74)	(74)	(71)	(78)	(80)	(70)	(58)	(47)	(29)	(37)	(28)	(25)	(22)	(6)	(18)	(28)	(27)	(36)	(26)	(26)	(26)	(19)	(10)	(12)	(19)	(16)	(28)	(23)	(23)	(28)	(24)	(25)	(34)	(31)	(38)	(41)	(43)	(46)	(54)	(84)	(88)	(99)	(103)	(69)	(70)	(67)
Non Interest Expense		(216)	(213)	(214)	(215)	(216)	(219)	(226)	(234)	(293)	(198)	(201)	(205)	(205)	(207)	(210)	(212)	(216)	(218)	(220)	(214)	(238)	(210)	(211)	(217)	(189)	(213)	(212)	(217)	(220)	(235)	(239)	(242)	(244)	(239)	(248)	(259)	(258)	(272)	(269)	(265)	(268)	(273)	(272)	(272)	(275)	(291)	(304)	(324)	(302)	(316)	(309)	(312)	(296)	(315)	(328)	(318)	(305)	(311)	(315)	(312)	(364)	(334)	(324)	(339)	(353)	(459)	(533)	(560)	(397)	(454)	(385)	(351)	(403)	(376)	(408)	(469)	(429)	(456)	(454)	(419)	(432)	(436)	(439)	(442)	(480)	(493)	(497)
Pre-Tax Income		53 N/A	55 +4%	53 -3%	53 -1%	57 +8%	48 -16%	39 -19%	36 -8%	79 +121%	85 +8%	89 +5%	89 +0%	94 +5%	97 +3%	104 +7%	108 +4%	113 +4%	113 +0%	115 +1%	116 +1%	114 -1%	106 -7%	100 -6%	94 -6%	92 -2%	98 +7%	106 +8%	115 +9%	115 -1%	120 +5%	126 +5%	126 +0%	126 0%	134 +6%	130 -3%	131 +0%	136 +4%	136 +0%	141 +3%	142 +1%	142 0%	144 +1%	150 +5%	154 +2%	158 +2%	164 +4%	166 +2%	178 +7%	192 +8%	195 +2%	200 +3%	200 0%	219 +10%	228 +4%	238 +4%	246 +4%	239 -3%	241 +1%	250 +4%	269 +8%	271 +0%	266 -2%	279 +5%	297 +6%	276 -7%	142 -49%	171 +20%	144 -15%	168 +16%	302 +80%	267 -11%	287 +8%	282 -2%	283 +0%	254 -10%	164 -35%	295 +80%	385 +30%	465 +21%	596 +28%	478 -20%	454 -5%	458 +1%	463 +1%	477 +3%	472 -1%	453 -4%
Net Income
Tax Provision		(15)	(15)	(15)	(15)	(16)	(19)	(20)	(24)	(10)	(12)	(12)	(10)	(10)	(10)	(11)	(11)	(10)	(9)	(9)	(9)	(9)	(8)	(9)	(13)	(15)	(18)	(19)	(19)	(16)	(16)	(15)	(12)	(15)	(17)	(19)	(21)	(25)	(25)	(23)	(23)	(19)	(19)	(21)	(21)	(21)	(22)	(20)	(23)	(25)	(27)	(30)	(29)	(38)	(40)	(43)	(41)	(38)	(36)	(37)	(42)	(45)	(46)	(49)	(57)	(60)	(48)	(55)	(48)	(44)	(55)	(47)	(50)	(47)	(48)	(47)	(45)	(52)	(63)	(79)	(97)	(95)	(105)	(103)	(99)	(98)	(95)	(96)
Income from Continuing Operations		38	41	39	38	42	29	19	12	69	74	77	79	83	87	92	97	103	104	105	107	106	98	91	82	77	80	87	96	98	105	111	114	111	117	111	110	111	111	118	119	122	125	130	133	137	141	147	155	166	168	171	170	181	188	195	206	201	205	213	227	226	220	230	240	216	94	115	96	124	247	220	238	235	235	207	119	243	322	387	498	383	350	354	363	379	377	357
Income to Minority Interest		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(1)	(1)	(1)	(1)	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)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(2)	(1)	(1)	(1)	(0)	(1)
Net Income (Common)		38 N/A	41 +5%	39 -4%	38 -1%	42 +9%	29 -30%	19 -35%	12 -38%	69 +497%	74 +6%	77 +5%	79 +2%	83 +5%	87 +4%	92 +6%	97 +6%	103 +5%	104 +1%	105 +1%	106 +1%	105 -1%	98 -7%	90 -7%	81 -10%	77 -5%	80 +3%	87 +9%	96 +10%	98 +2%	105 +6%	111 +6%	114 +3%	111 -2%	117 +5%	111 -5%	110 -1%	111 +2%	111 N/A	118 +6%	119 +1%	122 +3%	125 +2%	130 +4%	133 +2%	137 +3%	142 +4%	147 +4%	155 +6%	166 +7%	168 +1%	170 +1%	170 0%	181 +7%	188 +4%	195 +4%	206 +6%	200 -3%	204 +2%	212 +4%	227 +7%	225 -1%	220 -2%	229 +4%	239 +4%	215 -10%	93 -57%	114 +23%	95 -16%	122 +29%	246 +101%	219 -11%	237 +8%	233 -1%	234 +0%	206 -12%	118 -43%	242 +106%	321 +32%	385 +20%	497 +29%	381 -23%	348 -9%	353 +1%	362 +3%	378 +4%	377 0%	356 -5%
EPS (Diluted)		1.5 N/A	1.58 +5%	1.52 -4%	1.51 -1%	1.64 +9%	1.14 -30%	0.74 -35%	0.46 -38%	2.72 +491%	2.88 +6%	2.91 +1%	3.04 +4%	3.13 +3%	3.15 +1%	3.37 +7%	6.85 +103%	3.72 -46%	3.78 +2%	3.75 -1%	3.85 +3%	3.81 -1%	3.6 -6%	3.28 -9%	2.94 -10%	2.79 -5%	2.74 -2%	2.98 +9%	3.29 +10%	3.38 +3%	3.6 +7%	3.81 +6%	3.91 +3%	3.82 -2%	4 +5%	3.76 -6%	3.76 N/A	3.81 +1%	3.81 N/A	4.04 +6%	4.06 +0%	4.2 +3%	4.28 +2%	4.44 +4%	4.55 +2%	4.69 +3%	4.85 +3%	4.85 N/A	5.17 +7%	5.44 +5%	5.19 -5%	5.25 +1%	5.25 N/A	5.58 +6%	5.31 -5%	5.51 +4%	5.82 +6%	5.67 -3%	5.79 +2%	6.02 +4%	6.42 +7%	6.37 -1%	6.23 -2%	6.5 +4%	6.78 +4%	6.09 -10%	2.63 -57%	3.25 +24%	2.72 -16%	3.48 +28%	6.97 +100%	6.22 -11%	6.7 +8%	3.31 -51%	6.65 +101%	5.84 -12%	1.66 -72%	3.43 +107%	4.54 +32%	5.46 +20%	7.04 +29%	5.4 -23%	4.93 -9%	5 +1%	5.13 +3%	5.36 +4%	5.34 0%	5.05 -5%

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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