| FY25 | FY24 | FY23 | FY22 | FY22 | FY21 | YoY | Trend | |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash & Equivalents | €24.6B | €34.2B | €33.6B | €39.8B | — | €33.9B | -28.0% | |
| Central Bank Balances | €23.0B | €32.4B | €31.8B | €36.9B | €31.4B | €31.4B | -29.2% | |
| Loans to Banks | €1.7B | €1.7B | €1.9B | €3.0B | €2.8B | €2.8B | -4.7% | |
| Loans to Customers | €82.5B | €82.5B | €79.7B | €72.0B | €76.4B | €76.3B | -0.1% | |
| Debt Securities | €7.8B | €9.1B | €8.7B | €7.8B | €8.5B | €8.5B | -14.6% | |
| Derivative Assets | €2.7B | €3.5B | €4.3B | €5.1B | €1.6B | €1.6B | -23.5% | |
| Investment Property | €833.0M | €771.0M | €793.0M | €883.0M | €992.0M | €992.0M | +8.0% | |
| Property, Plant & Equipment | — | — | €800.0M | €802.0M | €820.0M | €820.0M | — | |
| Deferred Tax Assets | €390.0M | €546.0M | €808.0M | €989.0M | €1.0B | €1.0B | -28.6% | |
| Current Tax Assets | €102.0M | €37.0M | €3.0M | €36.0M | €38.0M | €38.0M | +175.7% | |
| Other Assets | €1.4B | €1.1B | €1.1B | €2.8B | €776.0M | €2.9B | +25.8% | |
| Total Assets | €164.8B | €161.8B | €155.7B | €151.3B | €154.8B | €155.3B | +1.8% | |
| Liabilities | ||||||||
| Deposits from Banks | €1.4B | €1.8B | €3.1B | €3.4B | €12.9B | €12.9B | -24.0% | |
| Deposits from Customers | €107.5B | €103.1B | €100.2B | €99.2B | €92.8B | €92.8B | +4.3% | |
| Derivative Liabilities | €2.4B | €3.7B | €4.5B | €6.5B | €2.2B | €2.2B | -35.7% | |
| Subordinated Liabilities | €1.8B | €1.9B | €1.6B | €1.7B | €2.0B | €2.0B | -0.3% | |
| Provisions | €492.0M | €235.0M | €58.0M | €79.0M | €190.0M | €190.0M | +109.4% | |
| Deferred Tax Liabilities | €43.0M | €58.0M | €61.0M | €97.0M | €38.0M | €90.0M | -25.9% | |
| Current Tax Liabilities | €4.0M | €29.0M | €23.0M | €8.0M | €18.0M | €18.0M | -86.2% | |
| Other Liabilities | €2.8B | €2.8B | €2.5B | €2.5B | €2.1B | €2.4B | +2.7% | |
| Total Liabilities | €151.9B | €148.8B | €143.1B | €139.4B | €143.8B | €143.9B | +2.1% | |
| Equity | ||||||||
| Share Capital | €953.0M | €1.0B | €1.1B | €1.1B | €1.1B | €1.1B | -5.0% | |
| Share Premium | €456.0M | €456.0M | €456.0M | €456.0M | €456.0M | €456.0M | +0.0% | |
| Retained Earnings | €10.3B | €10.5B | €10.3B | €9.6B | €8.5B | €8.8B | -1.3% | |
| Other Reserves | -€15.0M | €22.0M | -€199.0M | -€257.0M | -€53.0M | -€53.0M | -168.2% | |
| Other Equity Instruments | €1.2B | €1.1B | €966.0M | €966.0M | €966.0M | €966.0M | +12.4% | |
| Minority Interests | €3.0M | €3.0M | €3.0M | €67.0M | €68.0M | €68.0M | +0.0% | |
| Total Equity | €12.9B | €13.0B | €12.6B | €11.9B | €11.0B | €11.3B | -0.7% | |
| FY25 | FY24 | FY23 | FY22 | FY22 | FY21 | YoY | Trend | |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash & Equivalents | €24.6B | €34.2B | €33.6B | €39.8B | — | €33.9B | -28.0% | |
| Central Bank Balances | €23.0B | €32.4B | €31.8B | €36.9B | €31.4B | €31.4B | -29.2% | |
| Loans to Banks | €1.7B | €1.7B | €1.9B | €3.0B | €2.8B | €2.8B | -4.7% | |
| Loans to Customers | €82.5B | €82.5B | €79.7B | €72.0B | €76.4B | €76.3B | -0.1% | |
| Debt Securities | €7.8B | €9.1B | €8.7B | €7.8B | €8.5B | €8.5B | -14.6% | |
| Derivative Assets | €2.7B | €3.5B | €4.3B | €5.1B | €1.6B | €1.6B | -23.5% | |
| Investment Property | €833.0M | €771.0M | €793.0M | €883.0M | €992.0M | €992.0M | +8.0% | |
| Property, Plant & Equipment | — | — | €800.0M | €802.0M | €820.0M | €820.0M | — | |
| Deferred Tax Assets | €390.0M | €546.0M | €808.0M | €989.0M | €1.0B | €1.0B | -28.6% | |
| Current Tax Assets | €102.0M | €37.0M | €3.0M | €36.0M | €38.0M | €38.0M | +175.7% | |
| Other Assets | €1.4B | €1.1B | €1.1B | €2.8B | €776.0M | €2.9B | +25.8% | |
| Total Assets | €164.8B | €161.8B | €155.7B | €151.3B | €154.8B | €155.3B | +1.8% | |
| Liabilities | ||||||||
| Deposits from Banks | €1.4B | €1.8B | €3.1B | €3.4B | €12.9B | €12.9B | -24.0% | |
| Deposits from Customers | €107.5B | €103.1B | €100.2B | €99.2B | €92.8B | €92.8B | +4.3% | |
| Derivative Liabilities | €2.4B | €3.7B | €4.5B | €6.5B | €2.2B | €2.2B | -35.7% | |
| Subordinated Liabilities | €1.8B | €1.9B | €1.6B | €1.7B | €2.0B | €2.0B | -0.3% | |
| Provisions | €492.0M | €235.0M | €58.0M | €79.0M | €190.0M | €190.0M | +109.4% | |
| Deferred Tax Liabilities | €43.0M | €58.0M | €61.0M | €97.0M | €38.0M | €90.0M | -25.9% | |
| Current Tax Liabilities | €4.0M | €29.0M | €23.0M | €8.0M | €18.0M | €18.0M | -86.2% | |
| Other Liabilities | €2.8B | €2.8B | €2.5B | €2.5B | €2.1B | €2.4B | +2.7% | |
| Total Liabilities | €151.9B | €148.8B | €143.1B | €139.4B | €143.8B | €143.9B | +2.1% | |
| Equity | ||||||||
| Share Capital | €953.0M | €1.0B | €1.1B | €1.1B | €1.1B | €1.1B | -5.0% | |
| Share Premium | €456.0M | €456.0M | €456.0M | €456.0M | €456.0M | €456.0M | +0.0% | |
| Retained Earnings | €10.3B | €10.5B | €10.3B | €9.6B | €8.5B | €8.8B | -1.3% | |
| Other Reserves | -€15.0M | €22.0M | -€199.0M | -€257.0M | -€53.0M | -€53.0M | -168.2% | |
| Other Equity Instruments | €1.2B | €1.1B | €966.0M | €966.0M | €966.0M | €966.0M | +12.4% | |
| Minority Interests | €3.0M | €3.0M | €3.0M | €67.0M | €68.0M | €68.0M | +0.0% | |
| Total Equity | €12.9B | €13.0B | €12.6B | €11.9B | €11.0B | €11.3B | -0.7% | |
