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Strategic Targets


       
      2019 2020 Steady state*
(original plan)

Franchise
growth

  Active Customers 5.6 million 5.7 million >6 million
Digital customers 58% 64% >60%
Mobile customers 40% 48% >45%

Value
creation

  Cost to Income 50%
(47% excluding non-usual costs)
49%
(47% excluding non-usual costs)
≈40%
RoE 5.1% 3.1% ≈10%
CET1 12.2% 12.2% ≈12%
Loans to Deposits 86% 85% <100%
Dividend payout --  - ≈40%

Asset
quality

  NPE stock €4.2 billion €3.3 billion ≈€3 billion
Down ≈60% from 2017
Cost of Risk 72bp 91bp <50bp


NPE include loans to Customers only.

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

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