Group KPI

GROUP KPIs (1) YEAR CHANGE
  2015 2014 %
ROE 30,4% 23,5% 6,9%
ROA 3,5% 1,7% 1,8%
ROCA 1,5% 1,3% 0,2%
Cost/Income ratio 31,4% 36,8% (5,4)%
Cost of credit quality 0,9% 1,7% (0,8)%
Net bad loans trade receivables/Trade receivables loans to customers 1,1% 1,3% (0,2)%
Net bad loans trade receivables/Equity 5,4% 7,5% (2,1)%
Coverage ratio on gross bad loans trade receivables 87,9% 86,4% 1,5%
Net trade receivables impaired loans/Trade receivables loans to customers 4,5% 4,6% (0,1)%
Net trade receivables impaired loans /Equity 22,4% 25,7% (3,3)%
Total own funds Capital Ratio 15,4% 14,2% 1,2%
Common Equity Tier 1 Ratio 14,7% 13,9% 0,8%
Number of shares outstanding at period end(2) (in thousands) 53.072 52.924 0,3%
Book per share 10,81 8,27 30,7%
EPS 3,05 1,81 68,5%
Dividend per share 0,76 0,66 15,2%
Payout ratio 24,9% 36,4% (11,5)%

(1) For the definition of the KPIs in the table, please see the consolidated annual report glossary.
(2) Outstanding shares are net of treasury shares held in the portfolio.