By Helgi Library - December 20, 2019
BNP Paribas's non-performing loans reached 3.15% of total loans at the end of 2019-09-30, down from 4.03% compared to the previou...
By Helgi Library - December 20, 2019
BNP Paribas's capital adequacy ratio reached 15.4% at the end of third quarter of 2019, up from 15.2% when compared to the previo...
By Helgi Library - December 20, 2019
BNP Paribas made a net profit of EUR 1,938 mil under revenues of EUR 10,896 mil in the third quarter of 2019, down 8.76% and ...
Profit Statement | 2016 | 2017 | 2018 | |
Net Interest Income | EUR mil | 22,376 | 22,577 | 21,164 |
Net Fee Income | EUR mil | 7,202 | 9,430 | 9,207 |
Other Income | EUR mil | 19,455 | 14,667 | 15,863 |
Total Revenues | EUR mil | 49,033 | 46,674 | 46,234 |
Operating Profit | EUR mil | 19,771 | 17,695 | 16,928 |
Provisions | EUR mil | 3,262 | 2,907 | 2,764 |
Net Profit | EUR mil | 7,702 | 7,759 | 7,526 |
Balance Sheet | 2016 | 2017 | 2018 | |
Interbank Loans | EUR mil | 163,712 | 151,255 | 188,600 |
Customer Loans | EUR mil | 748,174 | 741,995 | 776,429 |
Total Assets | EUR mil | 2,076,960 | 1,949,780 | 2,040,840 |
Shareholders' Equity | EUR mil | 105,220 | 104,552 | 105,726 |
Interbank Borrowing | EUR mil | 148,577 | 141,811 | 149,526 |
Customer Deposits | EUR mil | 763,595 | 759,475 | 795,995 |
Issued Debt Securities | EUR mil | 171,796 | 214,597 | 223,986 |
Ratios | 2016 | 2017 | 2018 | |
ROE | % | 7.50 | 7.40 | 7.16 |
ROA | % | 0.378 | 0.385 | 0.377 |
Costs (As % Of Assets) | % | 1.44 | 1.44 | 1.47 |
Costs (As % Of Income) | % | 59.7 | 62.1 | 63.4 |
Capital Adequacy Ratio | % | 14.5 | 14.8 | 15.0 |
Net Interest Margin | % | 1.10 | 1.12 | 1.06 |
Loans (As % Of Deposits) | % | 98.0 | 97.7 | 97.5 |
NPLs (As % Of Loans) | % | 5.39 | 4.86 | 4.24 |
Provisions (As % Of NPLs) | % | 64.7 | 73.3 | 70.9 |
Valuation | 2016 | 2017 | 2018 | |
Price/Earnings (P/E) | 9.80 | 10.0 | 6.54 | |
Price/Book Value (P/BV) | 0.717 | 0.743 | 0.466 | |
Dividend Yield | % | 4.46 | 4.85 | 7.65 |
Earnings Per Share (EPS) | 6.19 | 6.22 | 6.03 | |
Book Value Per Share | 84.5 | 83.9 | 84.7 | |
Dividend Per Share | 2.71 | 3.02 | 3.02 |
Get all company financials in excel:
summary | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
income statement | ||||||||||||||||||||||||||||||||
Net Interest Income | EUR mil | 21,745 | 19,451 | 20,319 | 22,553 | 22,376 | ||||||||||||||||||||||||||
Total Revenues | EUR mil | 45,758 | 42,183 | 44,765 | 48,344 | 49,033 | ||||||||||||||||||||||||||
Operating Profit | EUR mil | 19,621 | 17,538 | 19,013 | 19,959 | 19,771 | ||||||||||||||||||||||||||
Net Profit | EUR mil | 6,564 | 4,818 | 157 | 6,694 | 7,702 | ||||||||||||||||||||||||||
balance sheet | ||||||||||||||||||||||||||||||||
Interbank Loans | EUR mil | 160,082 | 161,381 | 177,946 | 148,878 | 163,712 | ||||||||||||||||||||||||||
Customer Loans | EUR mil | 656,593 | 660,210 | 688,581 | 708,829 | 748,174 | ||||||||||||||||||||||||||
Debt Securities | EUR mil | 411,132 | 437,074 | 498,244 | 484,905 | 486,893 | ||||||||||||||||||||||||||
Total Assets | EUR mil | 1,907,200 | 1,810,520 | 2,077,760 | 1,994,190 | 2,076,960 | ||||||||||||||||||||||||||
Shareholders' Equity | EUR mil | 94,017 | 90,955 | 93,689 | 100,077 | 105,220 | ||||||||||||||||||||||||||
Interbank Borrowing | EUR mil | 376,066 | 362,964 | 175,614 | 174,268 | 148,577 | ||||||||||||||||||||||||||
Customer Deposits | EUR mil | 532,209 | 548,243 | 636,879 | 695,116 | 763,595 | ||||||||||||||||||||||||||
Issued Debt Securities | EUR mil | 188,421 | 198,510 | 201,010 | 175,991 | 171,796 | ||||||||||||||||||||||||||
ratios | ||||||||||||||||||||||||||||||||
ROE | % | 7.31 | 5.21 | 0.170 | 6.91 | 7.50 | ||||||||||||||||||||||||||
ROA | % | 0.339 | 0.259 | 0.008 | 0.329 | 0.378 | ||||||||||||||||||||||||||
Costs (As % Of Assets) | % | 1.35 | 1.33 | 1.32 | 1.39 | 1.44 | ||||||||||||||||||||||||||
Costs (As % Of Income) | % | 57.1 | 58.4 | 57.5 | 58.7 | 59.7 | ||||||||||||||||||||||||||
Capital Adequacy Ratio | % | ... | 15.5 | 12.5 | 12.6 | 13.6 | 14.5 | |||||||||||||||||||||||||
Net Interest Margin | % | 1.12 | 1.05 | 1.05 | 1.11 | 1.10 | ||||||||||||||||||||||||||
Interest Income (As % Of Revenues) | % | 47.5 | 46.1 | 45.4 | 46.7 | 45.6 | ||||||||||||||||||||||||||
Fee Income (As % Of Revenues) | % | 16.5 | 16.2 | 16.5 | 15.8 | 14.7 | ||||||||||||||||||||||||||
Equity (As % Of Assets) | % | 4.93 | 5.02 | 4.51 | 5.02 | 5.07 | ||||||||||||||||||||||||||
Loans (As % Of Deposits) | % | 123 | 120 | 108 | 102 | 98.0 | ||||||||||||||||||||||||||
Loans (As % Assets) | % | 34.4 | 36.5 | 33.1 | 35.5 | 36.0 | ||||||||||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | 6.21 | 6.36 | 6.00 | 5.61 | 5.39 | ||||||||||||||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 62.5 | 58.1 | 61.6 | 63.5 | 64.7 | ||||||||||||||||||||||
valuation | ||||||||||||||||||||||||||||||||
Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | 69,690 | 96,986 | 74,157 | 70,830 | 79,670 | |||||||||||||||||||||
Number Of Shares (Average) | mil | 1,217 | 1,244 | 1,244 | 1,244 | 1,245 | ||||||||||||||||||||||||||
Share Price (End Of Period) | ... | ... | ... | ... | ... | 43.4 | 56.5 | 49.2 | 52.3 | 60.6 | ||||||||||||||||||||||
Earnings Per Share (EPS) | 5.40 | 3.87 | 0.126 | 5.38 | 6.19 | |||||||||||||||||||||||||||
Book Value Per Share | 77.3 | 73.1 | 75.3 | 80.4 | 84.5 | |||||||||||||||||||||||||||
Dividend Per Share | 1.53 | 1.50 | 1.50 | 2.31 | 2.71 | |||||||||||||||||||||||||||
Price/Earnings (P/E) | ... | ... | ... | ... | ... | 8.05 | 14.6 | 390 | 9.72 | 9.80 | ||||||||||||||||||||||
Price/Book Value (P/BV) | ... | ... | ... | ... | ... | 0.562 | 0.773 | 0.654 | 0.650 | 0.717 | ||||||||||||||||||||||
Dividend Yield | % | ... | ... | ... | ... | ... | 3.53 | 2.65 | 3.05 | 4.43 | 4.46 | |||||||||||||||||||||
Earnings Per Share Growth | % | ... | 6.96 | -28.2 | -96.7 | 4,164 | 15.0 | |||||||||||||||||||||||||
Book Value Per Share Growth | % | ... | 8.25 | -5.40 | 2.99 | 6.84 | 5.10 |
income statement | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
income statement | ||||||||||||||||||||||||||||||||
Interest Income | EUR mil | 44,476 | 36,967 | 38,707 | 41,381 | 40,894 | ||||||||||||||||||||||||||
Interest Cost | EUR mil | 22,731 | 17,516 | 18,388 | 18,828 | 18,518 | ||||||||||||||||||||||||||
Net Interest Income | EUR mil | 21,745 | 19,451 | 20,319 | 22,553 | 22,376 | ||||||||||||||||||||||||||
Net Fee Income | EUR mil | 7,532 | 6,845 | 7,388 | 7,615 | 7,202 | ||||||||||||||||||||||||||
Other Income | EUR mil | 16,481 | 15,887 | 17,058 | 18,176 | 19,455 | ||||||||||||||||||||||||||
Total Revenues | EUR mil | 45,758 | 42,183 | 44,765 | 48,344 | 49,033 | ||||||||||||||||||||||||||
Operating Cost | EUR mil | 26,137 | 24,645 | 25,752 | 28,385 | 29,262 | ||||||||||||||||||||||||||
Operating Profit | EUR mil | 19,621 | 17,538 | 19,013 | 19,959 | 19,771 | ||||||||||||||||||||||||||
Provisions | EUR mil | 3,941 | 3,643 | 3,705 | 3,797 | 3,262 | ||||||||||||||||||||||||||
Extra and Other Cost | EUR mil | 5,301 | 5,794 | 12,158 | 5,783 | 5,299 | ||||||||||||||||||||||||||
Pre-Tax Profit | EUR mil | 10,379 | 8,101 | 3,150 | 10,379 | 11,210 | ||||||||||||||||||||||||||
Tax | EUR mil | 3,061 | 2,680 | 2,643 | 3,335 | 3,095 | ||||||||||||||||||||||||||
Minorities | EUR mil | 754 | 603 | 350 | 350 | 413 | ||||||||||||||||||||||||||
Net Profit | EUR mil | 6,564 | 4,818 | 157 | 6,694 | 7,702 | ||||||||||||||||||||||||||
Dividends | EUR mil | 1,863 | 1,863 | 1,869 | 2,879 | 3,367 | ||||||||||||||||||||||||||
growth rates | ||||||||||||||||||||||||||||||||
Net Interest Income Growth | % | ... | -9.32 | -10.5 | 4.46 | 11.0 | -0.785 | |||||||||||||||||||||||||
Net Fee Income Growth | % | ... | -10.5 | -9.12 | 7.93 | 3.07 | -5.42 | |||||||||||||||||||||||||
Total Revenue Growth | % | ... | -1.53 | -7.81 | 6.12 | 8.00 | 1.43 | |||||||||||||||||||||||||
Operating Cost Growth | % | ... | 2.46 | -5.71 | 4.49 | 10.2 | 3.09 | |||||||||||||||||||||||||
Operating Profit Growth | % | ... | -6.39 | -10.6 | 8.41 | 4.98 | -0.942 | |||||||||||||||||||||||||
Pre-Tax Profit Growth | % | ... | 7.54 | -21.9 | -61.1 | 229 | 8.01 | |||||||||||||||||||||||||
Net Profit Growth | % | ... | 8.50 | -26.6 | -96.7 | 4,164 | 15.1 | |||||||||||||||||||||||||
market share | ||||||||||||||||||||||||||||||||
Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
balance sheet | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
balance sheet | ||||||||||||||||||||||||||||||||
Cash | EUR mil | 103,190 | 100,787 | 117,473 | 134,547 | 160,400 | ||||||||||||||||||||||||||
Interbank Loans | EUR mil | 160,082 | 161,381 | 177,946 | 148,878 | 163,712 | ||||||||||||||||||||||||||
Customer Loans | EUR mil | 656,593 | 660,210 | 688,581 | 708,829 | 748,174 | ||||||||||||||||||||||||||
Debt Securities | EUR mil | 411,132 | 437,074 | 498,244 | 484,905 | 486,893 | ||||||||||||||||||||||||||
Fixed Assets | EUR mil | 30,495 | 29,312 | 31,560 | 35,013 | 35,978 | ||||||||||||||||||||||||||
Total Assets | EUR mil | 1,907,200 | 1,810,520 | 2,077,760 | 1,994,190 | 2,076,960 | ||||||||||||||||||||||||||
Shareholders' Equity | EUR mil | 94,017 | 90,955 | 93,689 | 100,077 | 105,220 | ||||||||||||||||||||||||||
Of Which Minority Interest | EUR mil | 8,573 | 3,522 | 4,231 | 3,808 | 4,555 | ||||||||||||||||||||||||||
Liabilities | EUR mil | 1,813,180 | 1,719,570 | 1,984,070 | 1,894,120 | 1,971,740 | ||||||||||||||||||||||||||
Interbank Borrowing | EUR mil | 376,066 | 362,964 | 175,614 | 174,268 | 148,577 | ||||||||||||||||||||||||||
Customer Deposits | EUR mil | 532,209 | 548,243 | 636,879 | 695,116 | 763,595 | ||||||||||||||||||||||||||
Sight Deposits | EUR mil | 259,770 | 303,900 | 350,502 | 399,364 | 443,379 | ||||||||||||||||||||||||||
Term Deposits | EUR mil | 272,439 | 244,343 | 286,377 | 295,752 | 320,216 | ||||||||||||||||||||||||||
Issued Debt Securities | EUR mil | 188,421 | 198,510 | 201,010 | 175,991 | 171,796 | ||||||||||||||||||||||||||
Other Liabilities | EUR mil | 716,487 | 609,850 | 970,566 | 848,741 | 887,771 | ||||||||||||||||||||||||||
asset quality | ||||||||||||||||||||||||||||||||
Non-Performing Loans | EUR mil | ... | ... | ... | ... | 42,453 | 43,585 | 42,896 | 41,251 | 41,779 | ||||||||||||||||||||||
Gross Loans | EUR mil | 683,118 | 685,546 | 714,999 | 735,023 | 775,219 | ||||||||||||||||||||||||||
Provisions | EUR mil | 3,941 | 3,643 | 3,705 | 3,797 | 3,262 | ||||||||||||||||||||||||||
growth rates | ||||||||||||||||||||||||||||||||
Customer Loan Growth | % | ... | -6.14 | 0.551 | 4.30 | 2.94 | 5.55 | |||||||||||||||||||||||||
Total Asset Growth | % | ... | -2.96 | -5.07 | 14.8 | -4.02 | 4.15 | |||||||||||||||||||||||||
Shareholders' Equity Growth | % | ... | 9.80 | -3.26 | 3.01 | 6.82 | 5.14 | |||||||||||||||||||||||||
Customer Deposit Growth | % | ... | 1.74 | 3.01 | 16.2 | 9.14 | 9.85 | |||||||||||||||||||||||||
market share | ||||||||||||||||||||||||||||||||
Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
ratios | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
ratios | ||||||||||||||||||||||||||||||||
ROE | % | 7.31 | 5.21 | 0.170 | 6.91 | 7.50 | ||||||||||||||||||||||||||
ROA | % | 0.339 | 0.259 | 0.008 | 0.329 | 0.378 | ||||||||||||||||||||||||||
Costs (As % Of Assets) | % | 1.35 | 1.33 | 1.32 | 1.39 | 1.44 | ||||||||||||||||||||||||||
Costs (As % Of Income) | % | 57.1 | 58.4 | 57.5 | 58.7 | 59.7 | ||||||||||||||||||||||||||
Capital Adequacy Ratio | % | ... | 15.5 | 12.5 | 12.6 | 13.6 | 14.5 | |||||||||||||||||||||||||
Tier 1 Ratio | % | ... | 13.6 | 11.7 | 11.5 | 12.2 | 12.9 | |||||||||||||||||||||||||
Net Interest Margin | % | 1.12 | 1.05 | 1.05 | 1.11 | 1.10 | ||||||||||||||||||||||||||
Interest Spread | % | ... | 1.07 | 0.997 | 0.998 | 1.06 | 1.05 | |||||||||||||||||||||||||
Asset Yield | % | 2.30 | 1.99 | 1.99 | 2.03 | 2.01 | ||||||||||||||||||||||||||
Cost Of Liabilities | % | ... | 1.23 | 0.992 | 0.993 | 0.971 | 0.958 | |||||||||||||||||||||||||
Payout Ratio | % | 76.3 | 86.6 | 76.6 | 75.7 | 75.4 | ||||||||||||||||||||||||||
Interest Income (As % Of Revenues) | % | 47.5 | 46.1 | 45.4 | 46.7 | 45.6 | ||||||||||||||||||||||||||
Fee Income (As % Of Revenues) | % | 16.5 | 16.2 | 16.5 | 15.8 | 14.7 | ||||||||||||||||||||||||||
Other Income (As % Of Revenues) | % | 36.0 | 37.7 | 38.1 | 37.6 | 39.7 | ||||||||||||||||||||||||||
Equity (As % Of Assets) | % | 4.93 | 5.02 | 4.51 | 5.02 | 5.07 | ||||||||||||||||||||||||||
Loans (As % Of Deposits) | % | 123 | 120 | 108 | 102 | 98.0 | ||||||||||||||||||||||||||
Loans (As % Assets) | % | 34.4 | 36.5 | 33.1 | 35.5 | 36.0 | ||||||||||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | 6.21 | 6.36 | 6.00 | 5.61 | 5.39 | ||||||||||||||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 62.5 | 58.1 | 61.6 | 63.5 | 64.7 | ||||||||||||||||||||||
Provisions (As % Of Loans) | % | 4.04 | 3.84 | 3.84 | 3.70 | 3.61 | ||||||||||||||||||||||||||
Cost of Provisions (As % Of Loans) | % | 0.581 | 0.553 | 0.549 | 0.543 | 0.448 |
other data | Unit | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
other data | ||||||||||||||||||||||||||||||||
Employees | 188,551 | 184,545 | 187,903 | 189,077 | 192,418 | |||||||||||||||||||||||||||
Sight (As % Of Customer Deposits) | % | 48.8 | 55.4 | 55.0 | 57.5 | 58.1 |
Get all company financials in excel:
By Helgi Library - December 20, 2019
BNP Paribas stock traded at 44.7 per share at the end third quarter of 2019 implying a market capitalization of USD 60,701 mil. Since the end of 3Q2014, the stock has depreciated by -14.8 % implying an annual average growth of -3.15 %. In absolute terms, the value of ...
By Helgi Library - December 20, 2019
BNP Paribas stock traded at 44.7 per share at the end of third quarter of 2019 implying a market capitalization of USD 60,701 mil. Over the last five years, the stock has depreciated by 14.8 implying an annual average growth of -3.15% In absolute terms, th...
By Helgi Library - December 20, 2019
BNP Paribas's customer loan growth reached 7.08% in 2019-09-30, up from 4.64% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.6% in 2015-03-31 and an all time low of -7.03% in 2012-09-30. In the last dec...
By Helgi Library - December 20, 2019
BNP Paribas's Equity reached 5.79% of total assets in the 3Q2019, up from 5.49% for the previous year. As a share of net customer loans, the ratio amounted to 16.7% at the end of the third quarter of 2019. ...
By Helgi Library - December 20, 2019
BNP Paribas's non-performing loans reached 4.24% of total loans at the end of 2018, down from 4.86% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.89% in 1988 and an all time low of 3.10% in 2007. Provision coverage amo...
By Helgi Library - December 20, 2019
BNP Paribas made a net profit of EUR 7,526 mil under revenues of EUR 46,234 mil in 2018, up -3.00% and -0.943% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 7,843 mil in 2010 and an all time low of EUR...
By Helgi Library - December 20, 2019
BNP Paribas's capital adequacy ratio reached 15.0% at the end of 2018, up from 14.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.5% in 2012 and an all time low of 8.70% in 1992. The Tier 1 ratio amounted to...
By Helgi Library - December 20, 2019
BNP Paribas's net interest margin amounted to 1.06% in 2018, down from 1.12% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.96% in 1992 and an all time low of 0.598% in 2001. The average margin ...
By Helgi Library - December 20, 2019
BNP Paribas stock traded at EUR 39.5 per share at the end 2018 implying a market capitalization of USD 56,387 mil. Since the end of 2013, the stock has depreciated by -30.2 % implying an annual average growth of -6.95 %. In absolute terms, the value of the company ...
By Helgi Library - December 20, 2019
BNP Paribas generated total banking revenues of EUR 46,234 mil in 2018, down 0.943% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 49,219 mil in 2010 and...