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Performance against KPIs

Significant progress on KPIs with a clear strategy to meet all medium term targets

 Category

  Key Performance Indicators (KPIs)

2014       

2015      

    2016 

Sept 2017

 Current Medium-Term Targets 

 Asset quality

 90+ Days Past Due ratio

53%

50%

41%

37% 

 <20% 

 

 NPEs ratio

62.9%

61.8%

54.8%

48% 

 <30%

 

 NPEs coverage ratio

34%

39%

41%

49%

>50%

 

 Provisioning charge (cost of risk)

3.6%

4.3%

1.7%

4.1%*

  <1.0% 

 

 Net loans % Deposits

141%

121%

95%

85% 

  90%-110% 

 Capital

 Common Equity Tier 1 capital ratio  CET1)

     14.6% 12.4%

 >13%**

 

 Total Capital Ratio

14.2%

14.1%

14.6%

13.8% 

  >15%**

 Efficiency

 Net interest margin

3.9%

3.8%

3.5%

3.2% 

  ~3,00%

 

 Net Fee and Commission income/total income

14%

15%

17%***

19% 

  >20%

 

 Cost to income ratio

36%

40%

41%

45% 

  40-45%

 Balance Sheet

 Total assets

€26.8bn

€23.2bn

€22.2bn

€22.9bn 

  >€25bn

* An amount of c.€500 mn reflecting the one-off effect of the change in the provisioning assumptions is included in the cost of risk, but is not annualised.

** On an IFRS 9 phased-in basis (per the proposal of the Council of the European Union).

*** The net fee and commission income over total income for December 2016 excludes non-recurring fees of approximately €7 mn.