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Strategic Targets 2021


      Consolidated
      1H18 1H19 2021

Franchise
growth

  Active Customers 4.7 million 4.9 million >6 milhões
Digital customers 53% 57% >60%
Mobile customers 31% 37% >45%

Value
creation

  Cost to Income 47%
(47% excl. non-usual costs)
49%
(47% excl. non-usual costs)
≈40%
RoE 5.3% 5.7%  ≈10%
CET1 11.7% 12,2% ≈12%
Loans to Deposits 88% 88% <100%
Dividend payout -- -- ≈40%

Asset
quality

  NPEs stock €6.7 billion €5,0 mil milhões ≈€3 mil milhões
Redução de ≈60% desde 2017
Cost of Risk 88bp 74bp <50bp


NPE incluem apenas crédito a Clientes.