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Strategic Targets 2021


      Consolidated
      9M18 9M19 2021

Franchise
growth

  Active Customers 4.8 million 5.1 million >6 million
Digital customers 54% 58% >60%
Mobile customers 32% 39% >45%

Value
creation

  Cost to Income 46%
(45% excluding non-usual costs)
49%
(46% excluding non-usual costs)
≈40%
RoE 6.0% 6.0% ≈10%
CET1 11.8% 12.3% ≈12%
Loans to Deposits 89% 88% <100%
Dividend payout -- -- ≈40%

Asset
quality

  NPEs stock €6.3 billion €4.6 billion ≈€3 billion
Down ≈60% from 2017
Cost of Risk 88bp 73bp <50bp


NPE incluem apenas crédito a Clientes.