Records

The following table shows the main indicators and performance recorded by the Group during the last 5 years.

(in thousands of Euro) 31/12/2015 31/12/2014 31/12/2013 31/12/2012 31/12/2011 31/12/2010
Available for sale financial assets 3.221.533 243.325 2.529.179 1.974.591 1.685.163 818.507
Held to maturity financial assets - 4.827.363 5.818.019 3.120.428 - -
Loans to customers 3.437.136 2.814.330 2.296.933 2.292.314 1.722.481 1.571.592
Due to banks 662.985 2.258.967 6.665.847 557.323 2.001.734 840.546
Due to banks 5.487.476 5.483.474 4.178.276 7.119.008 1.657.224 1.802.011
Equity 573.467 437.850 380.323 309.017 196.282 206.613
Net banking income 407.958 284.141 264.196 244.917 121.453 94.430
Net profit from financial activities 373.708 249.631 219.609 191.166 89.310 69.986
Group net profit 161.966 95.876 84.841 78.076 26.535 18.626
ROE 30,4% 23,50% 24,80% 29,90% 12,60% 10,90%
ROA 3,5% 1,70% 1,30% 1,50% 1,10% 1,10%
ROCA 1,5% 1,3% 0,60% 1,00% 1,10% 1,10%
Cost/Income ratio 31,4% 36,8% 28,90% 27,90% 39,10% 42,50%
Cost of credit equity 0,9% 1,7% 2,40% 3,00% 1,90% 1,90%
Net non-performing loans/Equity 22,4% 25,70% 13,40% 24,80% 37,70% 18,60%
Solvency ratio 15,4% 14,21% 13,50% 12,72% 10,80% 11,30%
Core Equity Tier 1 Ratio 14,7% 13,90% 13,70% 12,92% 11,20% 11,50%
Number of shares outstanding (1) (in thousands) 53.072 52.924 52.728 53.551 52.814 51.582
Book per share value 10,81 8,27 7,21 5,77 3,72 4,01
EPS 3,05 1,81 1,61 1,46 0,51 0,36
Dividend per share 0,76 0,66 0,57 0,37 0,25 0,20 (2)
Payout ratio 24,9% 36,4% 35,4% 25,40% 56,3% (2) 56,3% (2)

(1) Outstanding shares are net of treasury shares held in portfolio.

(2) Dividend paid partly in cash and partly through stock grants.