Published on 18-February-2010

2009 financial year: EUR 0.68bn Group Net Income
    A transitional year: realignment of the businesses and reduction of the risk profile

• Revenues of core businesses: EUR 24.9bn (+26.8% vs. 2008)
• Cost to income ratio: 72.6%
• Cost of risk: 117 by**
• Tier 1 Ratio (Basel II): 10.7 % o/w 8.4% Core Tier 1
• Earnings per share: EUR 0.45 (vs. EUR 3.20 ⁽¹⁾) in 2008)
• Proposed dividend: EUR 0.25 per share (vs. EUR 1.2 per share in 2008)
  • Scrip dividend option

Fourth quarter 2009: Positive net income despite losses on legacy assets

• Revenues of core businesses: +29.9% vs. Q4 08
• Cost of risk: 119 by**
• Gross operating income: EUR 1.1bn
• Group net income: EUR 0.22bn
  
  

* 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