Historical data

The following table shows the main indicators and performances recorded by the Group during the last 5 years.

GROUP HISTORICAL DATA
(in thousands of Euro)
31.12.2015 31.12.2014 31.12.2013 31.12.2012 31.12.2011
Available for sale financial assets 3.221.533 243.325 2.529.179 1.974.591 1.685.163
Held to maturity financial assets - 4.827.363 5.818.019 3.120.428 -
Loans to customers 3.437.136 2.814.330 2.296.933 2.292.314 1.722.481
Due to banks 662.985 2.258.967 6.665.847 57.323 2.001.734
Due to customers 5.487.476 5.483.474 4.178.276 7.119.008 1.657.224
Equity 573.467 437.850 380.323 309.017 196.282
           
Net banking income (1) 407.958 284.141 264.196 244.917 121.453
Net profit from financial activities 373.708 249.631 219.609 191.166 89.310
Group net profit 161.966 95.876 84.841 78.076 26.535
           
KPI (2):          
ROE 30,4% 23,5% 24,8% 29,9% 12,6%
ROA 3,5% 1,7% 1,3% 1,5% 1,1%
ROCA 1,5% 1,3% 0,6% 1,0% 1,1%
Cost/Income ratio 31,4% 36,8% 28,9% 27,9% 39,1%
Cost of credit quality 0,9% 1,7% 2,4% 3,0% 1,9%
Net bad loans trade receivables/Trade receivables loans to customers 1,1% 1,3% 2,6% 4,3% 4,3%
Net bad loans trade receivables/Equity 5,4% 7,5% 13,4% 24,8% 33,7%
Coverage ratio on gross bad loans trade receivables 87,9% 86,4% 78,4% 61,6% 58,9%
Net trade receivables impaired loans/Trade receivables loans to customers 4,5% 4,6% 8,4% 18,9% 11,5%
Net trade receivables impaired loans /Equity 22,4% 25,7% 42,8% 107,9% 96,6%
Total own funds Capital Ratio (3) 15,4% 14,2% 13,5% 12,7% 10,8%
Common Equity Tier 1 Ratio (3) 14,7% 13,9% 13,7% 12,9% 11,2%
           
Number of share outstanding (4)
(in thousands)
53.072 52.924 52.728 53.551 52.814
Book per share 10,81 8,27 7,21 5,77 3,72
EPS 3,05 1,81 1,61 1,46 0,51
Dividend per share 0,76 0,66 0,57 0,37 0,25
Payout ratio 24,9% 36,4% 35,4% 25,4% 50,6%

(1) The data for 2014 were restated as described in the Notes, Part A, Section 2
(2) For the definition of the KPIs in the table, please see the consolidated annual report glossary.
(3) 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 Own Funds Ratio and Common Equity Tier 1 Ratio, respectively.
(4) Outstanding shares are net of treasury shares held in the portfolio