ROA (profit or loss for the year/average total assets -ATAs-)
0.82
0.67
0.64
RORWA (profit or loss for the year/average risk-weighted assets)
1.53
1.26
1.19
Efficiency ratio
49.6
51.8
51.9
Cost of risk
0.93
0.92
0.84
NPL ratio
4.5
5.1
4.9
NPL coverage ratio
72
72
70
Capital adequacy ratios (%) (3)
CET1 fully-loaded
11.2
11.0
10.9
CET1 phased-in (3)
11.9
12.3
12.2
Tier 1 phased-in (3)
13.1
13.0
12.9
Total ratio phased-in (3)
15.7
16.0
15.1
Other information
Number of shareholders
900,807
(4.9)
947,244
935,284
Number of employees
132,019
(3.1)
136,244
134,792
Number of branches
8,374
(4.4)
8,761
8,660
Number of ATMs
31,214
1.0
30,890
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 -€4,260m in January-September 2016, –€4,492m in 2016 and -€6,519m in January-September 2017.
(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.