ROA (profit or loss for the year/average total assets)
0.82
0.67
0.64
RORWA (profit or loss for the year/average risk-weighted assets)
1.53
1.25
1.19
Efficiency ratio
49.6
51.8
51.9
Cost of risk
0.92
0.92
0.84
NPL ratio
4.8
5.1
4.9
NPL coverage ratio
71
74
70
Capital adequacy ratios (%) (3)
CET1 fully-loaded
11.1
10.7
10.9
CET1 phased-in (3)
11.8
12.0
12.2
Tier 1 phased-in (3)
13.0
12.7
12.9
Total ratio phased-in (3)
15.5
15.7
15.1
Other information
Number of shareholders
910,330
(3.1)
939,683
935,284
Number of employees
132,321
(3.6)
137,310
134,792
Number of branches
8,421
(8.0)
9,153
8,660
Number of ATMs
31,194
0.8
30,958
31,120
(1) Adjusted by additional Tier 1 instrument remuneration.
(2) The ROE and ROTE ratios include in the denominator the Group’s average shareholders’ funds, but do not take into account the caption within total equity named “Accumulated other comprehensive income” with an average balance of -€4,218m in 1H16, –€4,492m in 2016 and -€6,015m in 1H17.
(3) The capital ratios are calculated under CRD IV from Basel III regulation, applying a 80% phase-in for 2017 and a 60% for 2016.