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Strategic Targets


       
      1T19 1T20 Steady state*
(original plan)

Franchise
growth

  Active Customers 4.9 million 5.6 million >6 million
Digital customers 56% 59% >60%
Mobile customers 35% 42% >45%

Value
creation

  Cost to Income 43%
(42% excluding non-usual costs)
48%
(46% excluding non-usual costs)
≈40%
RoE 10.6% 2.4% ≈10%
CET1 12.7% 12.0% ≈12%
Loans to Deposits 87% 86% <100%
Dividend payout 10%   ≈40%

Asset
quality

  NPE stock €5.2 billion €3.9 billion ≈€3 billion
Down ≈60% from 2017
Cost of Risk 68bp 63bp <50bp


NPE include loans to Customers only.

*To be achieved after the economic impact of the current pandemic.