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Strategic Targets


       
      1H19 1H20 Steady state*
(original plan)

Franchise
growth

  Active Customers 4.9 million 5.6 million >6 million
Digital customers 57% 61% >60%
Mobile customers 37% 44% >45%

Value
creation

  Cost to Income 49%
(46% excluding non-usual costs)
52%
(50% excluding non-usual costs)
≈40%
RoE 5.7% 2.6% ≈10%
CET1 12.2% 12.1% ≈12%
Loans to Deposits 88% 85% <100%
Dividend payout 10%   ≈40%

Asset
quality

  NPE stock €5.0 billion €3.9 billion ≈€3 billion
Down ≈60% from 2017
Cost of Risk 74bp 85bp <50bp


NPE include loans to Customers only.

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

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