Quarterly financial information
Q3 15: SOUND RESULTS MARKED BY A GOOD COMMERCIAL PERFORMANCE - Net banking income** up +2.1%*, sharp increase in Retail Banking - Stable operating expenses (+1.0%* vs. Q3 14) - Cost of risk(1) maintained at a low level: 46bp in Q3 15 vs. 58bp in Q3 14 - Group net income up +27.7% vs. Q3 14 at EUR 1,126m in Q3 15 - Strengthening of the balance sheet: CET 1 ratio of 10.5% (+18bp in Q3 15), leverage ratio of 3.9% and total capital ratio of 15.7% at the end of Q3 15
9M 15: GROUP NET INCOME OF EUR 3,345m (+57.0% vs. 9M 14)
- Net banking income: EUR 19.6bn, +12.4% vs. 9M 14 (+5.2%* vs. 9M 14 excluding non-economic items**)
- Operating income excluding non-economic items** up +16.6%* vs. 9M 14
- ROE(2): 8.6%
EPS(3): EUR 3.23 for 9M 15 (9M 14: EUR 2.51)
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