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Strategic Targets 2021


      Consolidated
      1Q18 1Q19 2021

Franchise
growth

  Active Customers 4.6 million 4.9 million >6 million
Digital customers 52% 56% >60%
Mobile customers 29% 35% >45%

Value
creation

  Cost to Income 46%
(45% excluding non-usual items)
43%
(42% excluding non-usual items)
≈40%
RoE 6.1% 10.6%   ≈10%
CET1 11.8% 12.7%** ≈12%
Loans to Deposits 91% 87% <100%
Dividend payout -- -- ≈40%

Asset
quality

  NPEs stock €7.1 billion €5.2 billion ≈€3 billion
down by ≈60% from 2017
Cost of Risk 85 bp 68 bp <50 bp


*Customer counting criteria used in the 2021 Strategic Plan.
**Including unaudited earnings for the 1st quarter of 2019.