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Strategic Plan: Excelling 24


   
  2021 2024

C/I ratio

48%
(44% excluding non-usual costs)
≈40%

Cost of risk

60 bp
(66 bp excluding one-off reversals)
≈50 bp

RoE

2.4% ≈10%

CET1 ratio

11.7%
>12.5%

NPE ratio

4.7% ≈4%

Share of mobile Customers

56% >65%

Growth of high engagement Customers*
(vs 2020)

+4% +12%

Average ESG rating**

70% >80%


*Active Customers with card transactions in the previous 90 days or funds > €100 (>MZM 1,000 in Mozambique)
**Average of Top 3 indices (DJSI, CDP and MSCI)
NPE include loans to Customers only.

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