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Performance against KPIs

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

 Category

  KPIs

2013       

2014       

2015      

    Sept 2016   

 Medium-Term Targets 

 Asset quality

 90+ Days Past Due ratio

49%

53%

50%

43%

 <30% 

 

 90+ Days Past Due Coverage ratio 

38%

41%

48%

54%

  >50%
(Achieved)

 

 Provisioning charge (cost of risk) annualised

4,0%

3,6%

4,3%

1,6%

  <1,0% 

 Funding

 ELA % Assets;

 €bn

31%

€9,6bn

28%

€7,4bn

16%

€3,8bn

6%

€1,3bn

  Fully Repay (Achieved)

 

 Net loans % Deposits

145%

141%

121%

102%

  100-120% (Achieved)

 Capital

 CET 1 (transitional)

10,4%

14,0%

14,0%

14,6%

  >15%

 Efficiency

 Net interest margin

3,5%

3,9%

3,8%

3,5%

  ~3,0%

 

 Fee and Commission income/total income

15%

14%

15%

16%

  >20%

 

 Cost to income ratio

43%

36%

40%

42%

  40-45% (Achieved)

 Balance Sheet

 Total assets

€30,3bn

€26,8bn

€23,2bn

€22,4bn

  >€25bn