Financial profile

Consolidated financial statements (in millions of EUR) 2008 2009 2010(10) 2011​ 2012​

  Income

3,556 

6,184(1) 

5,310 

-4,383​

-894 ​

  Costs

-4,119 

-3,607 

-3,703 

-1,114​

-554 ​

  Gross operating income

-563 

 2,577 

1,607 

-5,497​

-1,448 ​

  Cost of risk and other impairments

-3,314 

-1,174(1) 

-683 

-551​

-278 ​

  Net income Group share

  -3,326 

1,010 

723 

-11,639​

-2,866 ​

 

Consolidated balance sheet (in millions of EUR) 2008 2009 2010 ​2011 2012​

  Assets

651,006 

577,630 

566,735  

412,759​

357,210 ​

  Loans and advance to customers

368,845 

353,987 

352,307 

173,550​

150,019 ​

  Financial assets at fair value through profit or loss and financial 
  investments

141,073 

115,328 

96,655 

43,381​

38,741 ​

  Liabilities

645,388 

565,642 

556,007 

413,079​

353,900 ​

  Customer borrowings and deposits

114,728 

120,950 

127,060 

19,419​

11,111 ​

  Debt securities

188,120 

213,065 

210,473 

105,288​

109,651 ​

  Total equity

5,618 

11,988 

 10,728 

-320​

3,310 ​

  Core shareholders' equity (2)

17,488 

 18,498 

19,214 

7,589​

10,919 ​

  Total shareholders' equity (3)

3,916 

 10,181 

8,945 

-2,018​

2,852 ​

 

Ratios 2008 2009 2010 ​2011 2012​

  Cost-income ratio (4)

115.8% 

58.3%(1) 

69.7% 

n.a.​

n.a. ​

  Return on equity (5)

-22.6% 

5.6% 

3.8% 

-86.9%​

-44.1% ​

 

Capital adequacy (in millions of EUR except where indicated) 2008 2009 2010 ​2011 2012​

  Tier 1 capital

16,126 

17,573 

18,425 

6,305​

10,989 ​

  Total regulatory capital

18,077 

20,251 

20,636 

8,589​

11,535 ​

  Weighted risks

152,837 

129,758 

140,834 

83,374​

55,321 ​

  Tier 1 ratio

10.6% 

12.3% 

13.1% 

7.6%​

19.9% ​

  Capital adequacy ratio

11.8% 

14.1% 

14.7% 

​10.3%

20.9% ​

 

Data per share 2008 2009 2010 ​2011 2012​

  Earnings per share (in EUR) (6)

     

  basic (7)

-2.42 

0.55 

0.37 

-5.97​

-1.47 ​

  diluted (8)

-2.42 

  0.55 

  0.37 

-5.97​

-1.47 ​

  Net assets per share (in EUR) (6) (9)

     

  related to core shareholders' equity (1)

9.47 

10.02 

9.86 

3.89​

0.35 ​

  related to total shareholders' equity (2)

2.12 

5.52 

4.59 

​-1.04

0.09 ​

 

(1) 2009 figures are restated as the provisions for legal litigations were previously included in income (other net income).
(2) Without AFS, CFH reserve and cumulative translation adjustments.
(3) With AFS, CFH reserve and cumulative translation adjustments.
(4) The ratio between the expenses and the income.
(5) The ratio between the net income Group share and the weighted average shareholders' equity (estimated dividend for the period deducted).
(6) The earnings per share and the net assets per share have been restated to take into account the issue of bonus shares distributed to the shareholders and to enable comparison.
(7) The ratio between the net income Group share and the weighted average number of shares.
(8) The ratio between the net income Group share and the weighted average diluted number of shares.
(9) The ratio between the shareholders' equity (estimated dividend for the period deducted) and the number of shares (after deduction of own shares) at the end of the period.
(10) In accordance to IFRS 5, the comparative information concerning the discontinued operations is disclosed separately.