Q4 2023 Financial Update
Appendix
Summary key financials
76
6
2023 2022 2021 2020
2019
2018
2017 2016
2015
2014 2013
2012 20111)
Return on equity, % 2)
Cost/income ratio, % 3)
17.9
14.5
13.9
10.3
13.8
13.4
12.9 11.3
12.9
13.1
13.1
11.5 12.3
34
39
42
45
46
48
48
50
49
50
54
61
62
Net ECL level / Credit loss level, % 4)
0.03
0.07
0.02 0.26 0.10
0.06
0.05
0.07
0.06
0.09
0.09
0.08 -0.08
Stage 3 loans/total loans, gross / NPL/lending, % 5)
0.37
0.33
0.53
0.87
0.67
0.50
0.5
0.5
0.6
0.8
0.7
1.0
1.4
Liquidity Coverage Ratio (LCR), %6)
140
143
145
163
218
147
145
168
128
115
129
Net Stable Funding Ratio (NSFR), %
112
109
111
CET1 ratio, % 7)
Total capital ratio, % 7)
Leverage ratio, % 7)
19.1
19.0 19.7
21.0
17.6
17.6
19.4
18.8
18.8
16.3 15.0
20.7
22.5
23.3
25.1
23.3
22.2
24.2
24.8
23.8 22.2
18.1
5.4
5.0
5.0
5.1
5.1
5.1
5.2
5.1
4.9
4.8
4.2
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