Published on December-2011

2010 financial year: EUR 3.9bn Group Net Income

• Increased revenues for core businesses: EUR 26.4bn
• Improved cost to income ratio: 63.4%
• Cost of risk: 83 bp**
• Tier 1 Ratio (Basel II): 10.6 % o/w 8.5% Core Tier 1
• Earnings per share: EUR 4.96
• Proposed dividend: EUR 1.75

Fourth quarter 2010

• Revenues of core businesses: +21.9% vs. Q4 09
• Cost of risk: 77 bp**
• Gross operating income: EUR 2.4bn
• Group net income: EUR 874m
  
  

* When adjusted for changes in Group structure and at constant exchange rates
** Cost of risk excluding litigation issues and Legacy assests
(1) Restated by the adjustment cofficient, in accordance with IAS 33