GROUP KPI

YEAR

CHANGE

2011

2010

%

ROE

12,6%

10,9%

1,7%

ROA

1,1%

1,1%

0,0%

ROCA

1,1%

1,1%

0,0%

Cost/Income ratio

39,1%

42,5%

(3,4)%

Cost of credit quality

1,9%

1,9%

0,0%

Net non-performing loans/Due from customers

4,3%

2,4%

1,9%

Net non-performing loans/Equity

37,7%

18,6%

19,1%

Solvency ratio

10,80%

11,3%

(0,5)%

Core Tier 1

11,20%

11,5%

(0,3)%

Number of shares outstanding (1) (in thousands)

52.814

51.582

2,4%

Book per share

3,72

4,01

(7,2)%

EPS

0,51

0,36

41,7%

Dividend per share

0,25

0,20(2)

25,0%

Payout ratio

49,8%

56,3% (2)

(6,5)%

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

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