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Price: 16.67 EUR Market Closed

Market Cap: €4.5B

Income Statement

Net Interest Income

Non Interest Income

Currency: EUR

		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		374	392	407	422	444	475	493	490	466	430	406	411	427	449	471	486	502	519	534	535	526	513	510	532	559	583	598	598	591	583	570	557	543	531	514	493	474	464	466	469	490	493	501	504	508	508	489	477	460	452	463	489	490	506	531	520	529	692	865	898	681	1 030	1 137	1 221	937	1 445	1 556	1 590	1 090	1 638	1 655	1 651	1 102
Interest Income		808	868	920	977	1 014	1 013	955	850	728	639	601	606	633	667	716	771	833	908	965	994	1 012	1 011	1 009	1 015	1 018	1 009	1 002	986	959	925	883	839	797	760	723	687	664	640	631	627	632	628	631	626	625	623	607	601	574	563	565	585	594	611	640	630	642	836	1 038	1 075	835	1 385	1 822	2 106	1 812	2 833	3 108	3 172	2 118	3 119	2 938	2 816	1 746
Interest Expense		434	477	513	555	571	538	462	360	262	209	194	195	207	219	245	285	331	390	431	459	486	498	499	484	459	426	404	387	368	342	46	282	253	229	4	194	189	176	(6)	158	142	136	(12)	122	116	115	118	124	113	111	(37)	96	104	106	109	111	113	144	(43)	177	153	355	685	885	875	1 388	364	1 582	1 028	1 481	1 282	1 165	644
Non Interest Income		264	235	206	188	87	154	213	273	393	361	367	365	340	387	361	277	294	336	319	451	549	418	475	448	479	539	549	562	534	594	551	542	554	454	473	491	443	476	477	460	524	507	507	483	420	433	433	496	498	468	456	407	408	484	515	612	561	752	881	795	514	789	828	849	610	904	927	953	653	978	994	995	663
Revenue		638 N/A	626 -2%	613 -2%	610 -1%	531 -13%	629 +18%	706 +12%	763 +8%	859 +13%	790 -8%	773 -2%	776 +0%	767 -1%	836 +9%	832 -1%	764 -8%	797 +4%	854 +7%	853 0%	985 +15%	1 075 +9%	931 -13%	986 +6%	979 -1%	1 038 +6%	1 122 +8%	1 147 +2%	1 160 +1%	1 125 -3%	1 177 +5%	1 121 -5%	1 099 -2%	1 097 0%	985 -10%	987 +0%	984 0%	917 -7%	941 +3%	943 +0%	929 -1%	1 014 +9%	1 000 -1%	1 008 +1%	986 -2%	928 -6%	941 +1%	922 -2%	973 +6%	958 -2%	920 -4%	919 0%	895 -3%	898 +0%	989 +10%	1 046 +6%	1 132 +8%	1 089 -4%	1 444 +33%	1 746 +21%	1 693 -3%	1 196 -29%	1 819 +52%	1 965 +8%	2 070 +5%	1 547 -25%	2 349 +52%	2 483 +6%	2 543 +2%	1 743 -31%	2 616 +50%	2 649 +1%	2 647 0%	1 765 -33%
Pre-Tax Income
Loan Loss Provision		(48)	(43)	(42)	(53)	(68)	(88)	(99)	(120)	(143)	(138)	(154)	(143)	(135)	(170)	(187)	(177)	(176)	(177)	(196)	(234)	(484)	(511)	(523)	(582)	(464)	(499)	(524)	(521)	(464)	(454)	(421)	(366)	(390)	(339)	(323)	(313)	(250)	(241)	(220)	(206)	(232)	(213)	(226)	(255)	(241)	(254)	(260)	(218)	(214)	(230)	(150)	(165)	(141)	(117)	(165)	(233)	(140)	(234)	(235)	(186)	(153)	(245)	(286)	(249)	(203)	(271)	(309)	(337)	(196)	(267)	(189)	(142)	(34)
Non Interest Expense		(352)	(360)	(363)	(374)	(380)	(389)	(395)	(392)	(401)	(398)	(415)	(428)	(434)	(445)	(451)	(472)	(475)	(472)	(482)	(450)	(484)	(423)	(406)	(418)	(449)	(454)	(454)	(461)	(456)	(460)	(474)	(493)	(511)	(549)	(552)	(533)	(537)	(554)	(571)	(572)	(548)	(543)	(533)	(559)	(544)	(550)	(553)	(538)	(549)	(610)	(621)	(624)	(600)	(564)	(553)	(549)	(575)	(772)	(1 025)	(1 050)	(689)	(1 022)	(979)	(980)	(684)	(1 003)	(1 013)	(1 008)	(707)	(1 013)	(1 019)	(1 049)	(786)
Pre-Tax Income		238 N/A	223 -6%	208 -7%	183 -12%	83 -54%	152 +82%	212 +39%	252 +19%	315 +25%	255 -19%	204 -20%	206 +1%	198 -4%	221 +12%	194 -12%	114 -41%	146 +28%	206 +41%	175 -15%	302 +72%	107 -65%	(3) N/A	56 N/A	(21) N/A	125 N/A	169 +35%	170 +1%	179 +5%	206 +15%	263 +28%	226 -14%	240 +7%	196 -18%	97 -51%	112 +15%	137 +22%	130 -5%	145 +12%	152 +5%	151 0%	234 +54%	244 +4%	249 +2%	173 -31%	143 -17%	137 -4%	109 -20%	217 +99%	195 -10%	80 -59%	148 +85%	107 -28%	157 +47%	308 +96%	328 +6%	350 +7%	375 +7%	438 +17%	486 +11%	456 -6%	354 -22%	552 +56%	700 +27%	841 +20%	660 -21%	1 075 +63%	1 160 +8%	1 198 +3%	841 -30%	1 336 +59%	1 441 +8%	1 456 +1%	946 -35%
Net Income
Tax Provision		(89)	(81)	(67)	(58)	(40)	(69)	(96)	(114)	(118)	(97)	(60)	(59)	(61)	(70)	(82)	(55)	(68)	(94)	(84)	(129)	(67)	(27)	(49)	(23)	(65)	(76)	(74)	(72)	(80)	(97)	(76)	(79)	(59)	(22)	(28)	(34)	(30)	(37)	(39)	(39)	(69)	(66)	(68)	(45)	(29)	(32)	(24)	(59)	(56)	(21)	(40)	(24)	(47)	(93)	(95)	(101)	(100)	(117)	(138)	(129)	(103)	(160)	(206)	(252)	(199)	(327)	(356)	(367)	(266)	(419)	(452)	(459)	(298)
Income from Continuing Operations		149	143	141	124	44	83	115	137	197	158	144	147	137	151	112	59	77	112	91	172	40	(30)	7	(43)	61	93	97	107	125	166	150	162	138	76	84	104	100	108	113	112	165	178	181	128	114	105	85	158	140	59	108	82	110	216	233	248	275	322	348	327	251	392	494	589	461	748	804	831	575	917	989	997	648
Income to Minority Interest		0	0	0	0	0	0	0	0	0	0	0	(2)	(2)	(3)	(3)	(3)	(4)	(5)	(6)	(7)	(6)	(5)	(6)	(5)	(8)	(9)	(9)	(11)	(10)	(10)	(8)	(7)	(8)	(7)	(6)	(4)	(1)	(2)	(4)	(6)	(6)	(5)	(4)	(3)	(3)	(2)	(1)	(2)	(2)	(3)	(3)	(4)	(3)	(3)	(4)	(5)	(6)	(7)	(6)	(4)	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)		147 N/A	141 -4%	139 -1%	123 -12%	44 -65%	79 +80%	110 +41%	137 +24%	201 +46%	166 -17%	152 -8%	149 -2%	135 -9%	149 +10%	108 -27%	56 -48%	74 +31%	107 +45%	85 -21%	165 +95%	34 -79%	(35) N/A	1 N/A	(48) N/A	53 N/A	84 +59%	88 +4%	96 +9%	115 +21%	156 +36%	142 -9%	155 +10%	129 -17%	69 -47%	78 +14%	100 +28%	99 -1%	106 +8%	109 +2%	106 -3%	159 +51%	173 +8%	177 +3%	125 -29%	111 -12%	103 -7%	84 -19%	156 +86%	137 -12%	56 -59%	105 +87%	79 -25%	107 +36%	212 +99%	229 +8%	244 +6%	269 +10%	314 +17%	342 +9%	324 -5%	251 -22%	392 +56%	494 +26%	589 +19%	461 -22%	748 +62%	804 +8%	831 +3%	575 -31%	917 +59%	989 +8%	997 +1%	648 -35%
EPS (Diluted)		0.38 N/A	0.36 -5%	0.35 -3%	0.31 -11%	0.11 -65%	0.2 +82%	0.28 +40%	0.34 +21%	0.48 +41%	0.4 -17%	0.36 -10%	0.36 N/A	0.33 -8%	0.35 +6%	0.26 -26%	0.13 -50%	0.18 +38%	0.25 +39%	0.18 -28%	0.36 +100%	0.08 -78%	-0.08 N/A	0.02 N/A	-0.09 N/A	0.12 N/A	0.18 +50%	0.54 +200%	0.25 -54%	0.3 +20%	0.34 +13%	0.3 -12%	0.34 +13%	0.29 -15%	0.15 -48%	0.17 +13%	0.22 +29%	0.22 N/A	0.24 +9%	0.25 +4%	0.24 -4%	0.35 +46%	0.38 +9%	0.39 +3%	0.28 -28%	0.24 -14%	0.23 -4%	0.19 -17%	0.35 +84%	0.3 -14%	0.13 -57%	0.24 +85%	0.18 -25%	0.24 +33%	0.47 +96%	0.5 +6%	0.53 +6%	0.6 +13%	0.7 +17%	0.76 +9%	0.72 -5%	0.55 -24%	0.87 +58%	1.09 +25%	1.3 +19%	1.02 -22%	1.65 +62%	1.78 +8%	1.85 +4%	1.28 -31%	2.06 +61%	2.2 +7%	2.22 +1%	1.44 -35%

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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