Group KPI

KPI DI GRUPPO (1)YEARCHANGE
 20142013%
ROE 23,5% 24,8% (1,3)%
ROA 1,7% 1,3% 0,4%
ROCA 1,3% 0,6% 0,7%
Cost/Income ratio 37,3% 28,9% 8,4%
Cost of credit quality 1,5% 2,4% (0,9)%
Net bad loans trade receivables/Trade receivables loans to customers 1,3% 2,6% (1,3)%
Net bad loans trade receivables/Equity 7,5% 13,4% (5,9)%
Coverage ratio on gross bad loans trade receivables 86,4% 78,4% 8,0%
Net trade receivables impaired loans/Trade receivables loans to customers 4,6% 8,4% (3,8)%
Net trade receivables impaired loans /Equity 25,7% 42,8% (17,1)%
Total own funds Capital Ratio (2) 14,21% 13,50% 0,71%
Common Equity Tier 1 Ratio (2) 13,89% 13,68% 0,21%
Number of shares outstanding at period end (3) (thousands) 52.924 52.728 0,4%
Book per share 8,27 7,21 14,7%
EPS 1,81 1,61 12,4%
Dividend per share 0,66 0,57 15,8%
Payout ratio 36,4% 35,4% 1,0%

(1) For the definition of the KPIs in the table, please see the consolidated annual report glossary.
(2) The new set of harmonised regulations for banks and investment firms included in EU Regulation no. 575/2013 (CRR) and in Directive 2013/36/EU (CRD IV) is applicable as from 1 January 2014. See the Impact of regulatory changes. Data for periods up until 31 December 2013 were recognised according to previous regulations (Basel 2). The Solvency ratio and the Core Tier 1 have been recognised under Total Equity Ratio and Common Equity Tier 1 Ratio, respectively.
(3) Outstanding shares are net of treasury shares held in the portfolio.

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Last updated on 2015-01-23