• €1.4 Bn in net income attributable to equity holder
  • Good revenue resilience
  • Impact this quarter of low client activity in the rates market: revenue of the operating divisions -2.6% vs. 3Q12
• Ongoing containment of operation expenses of the operating divisions: +0.6% vs. 3Q12
• Cost of risk down this quarter: €892 M (55bp), -5.5% vs. 3Q12

A rock-solid balance sheet

• Very high solvency: fully loaded Basel 3 CET1 ratio - 10.8%
• Further increase of liquidity reserve: €239 Bn  as at 30.09.2013
• Sustained gathering of deposits across all the retail networks: +3.8% vs. 3Q12

To read the complete results, please click on the file below.