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Strategic Targets


       
      9M 2019 9M 2020 Steady state*
(original plan)

Franchise
growth

  Active Customers 5.1 million 5.7 million >6 million
Digital customers 58% 63% >60%
Mobile customers 39% 46% >45%

Value
creation

  Cost to Income 49%
(46% excluding non-usual costs)
49%
(48% excluding non-usual costs)
≈40%
RoE 6.0% 3.4% ≈10%
CET1 12.3% 12.4% ≈12%
Loans to Deposits 88% 86% <100%
Dividend payout --   ≈40%

Asset
quality

  NPE stock €4.6 billion €3.7 billion ≈€3 billion
Down ≈60% from 2017
Cost of Risk 73bp 89bp <50bp


NPE include loans to Customers only.

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

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