{"data":{"actuals":{"2017":{"ABN":{"Risk adjusted NIM":"2,09","OPEX\/ assets":"1,42","LLP Loans ratio":"-0,02","Risk adjusted CIR":"59,68","LtD":"116,14","Leverage ratio":"4,78","CET1 ratio":"17,70","ROE":"13,26"},"ING":{"Risk adjusted NIM":"2,14","OPEX\/ assets":"1,16","LLP Loans ratio":"0,12","Risk adjusted CIR":"57,49","LtD":"106,43","Leverage ratio":"5,38","CET1 ratio":"14,70","ROE":"10,66"},"Rabobank":{"Risk adjusted NIM":"1,77","OPEX\/ assets":"1,42","LLP Loans ratio":"-0,04","Risk adjusted CIR":"70,21","LtD":"126,97","Leverage ratio":"5,10","CET1 ratio":"15,50","ROE":"6,88"},"Barclays":{"Risk adjusted NIM":"1,80","OPEX\/ assets":"1,26","LLP Loans ratio":"0,64","Risk adjusted CIR":"76,04","LtD":"85,13","Leverage ratio":"3,69","CET1 ratio":"13,30","ROE":"5,12"},"BBVA":{"Risk adjusted NIM":"3,25","OPEX\/ assets":"1,92","LLP Loans ratio":"1,21","Risk adjusted CIR":"64,71","LtD":"105,73","Leverage ratio":"5,82","CET1 ratio":"11,10","ROE":"10,16"},"BNP":{"Risk adjusted NIM":"2,34","OPEX\/ assets":"1,54","LLP Loans ratio":"0,40","Risk adjusted CIR":"72,72","LtD":"94,89","Leverage ratio":"3,87","CET1 ratio":"11,80","ROE":"8,05"},"Commerzbank":{"Risk adjusted NIM":"0,91","OPEX\/ assets":"1,51","LLP Loans ratio":"0,29","Risk adjusted CIR":"85,62","LtD":"77,86","Leverage ratio":"5,33","CET1 ratio":"14,10","ROE":"2,87"},"CreditAgricole":{"Risk adjusted NIM":"1,77","OPEX\/ assets":"0,79","LLP Loans ratio":"0,39","Risk adjusted CIR":"68,00","LtD":"65,38","Leverage ratio":"2,24","CET1 ratio":"11,70","ROE":"6,66"},"CreditSuisse":{"Risk adjusted NIM":"1,22","OPEX\/ assets":"2,32","LLP Loans ratio":"0,08","Risk adjusted CIR":"89,13","LtD":"77,29","Leverage ratio":"4,61","CET1 ratio":"13,50","ROE":"4,00"},"Danske":{"Risk adjusted NIM":"1,47","OPEX\/ assets":"0,73","LLP Loans ratio":"-0,08","Risk adjusted CIR":"49,61","LtD":"98,69","Leverage ratio":"3,75","CET1 ratio":"17,60","ROE":"11,72"},"Deutsche":{"Risk adjusted NIM":"1,92","OPEX\/ assets":"1,64","LLP Loans 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ratio":"4,33","CET1 ratio":"15,90","ROE":"3,48"},"Santander":{"Risk adjusted NIM":"2,68","OPEX\/ assets":"1,59","LLP Loans ratio":"1,50","Risk adjusted CIR":"63,80","LtD":"113,74","Leverage ratio":"4,54","CET1 ratio":"10,84","ROE":"9,16"},"SocieteGenerale":{"Risk adjusted NIM":"1,75","OPEX\/ assets":"1,40","LLP Loans ratio":"0,32","Risk adjusted CIR":"78,59","LtD":"103,55","Leverage ratio":"3,16","CET1 ratio":"11,40","ROE":"6,02"},"UBS":{"Risk adjusted NIM":"1,43","OPEX\/ assets":"2,58","LLP Loans ratio":"0,04","Risk adjusted CIR":"81,94","LtD":"77,88","Leverage ratio":"3,86","CET1 ratio":"14,90","ROE":"7,64"},"Unicredit":{"Risk adjusted NIM":"1,23","OPEX\/ assets":"1,58","LLP Loans ratio":"0,65","Risk adjusted CIR":"81,44","LtD":"96,72","Leverage ratio":"5,84","CET1 ratio":"13,73","ROE":"4,06"}},"2018":{"ABN":{"Risk adjusted NIM":"2,26","OPEX\/ assets":"1,40","LLP Loans ratio":"0,24","Risk adjusted CIR":"63,42","LtD":"114,72","Leverage ratio":"5,09","CET1 ratio":"18,40","ROE":"10,84"},"ING":{"Risk adjusted NIM":"2,17","OPEX\/ assets":"1,20","LLP Loans ratio":"0,11","Risk adjusted CIR":"60,97","LtD":"106,55","Leverage ratio":"5,14","CET1 ratio":"14,50","ROE":"9,91"},"Rabobank":{"Risk adjusted NIM":"1,80","OPEX\/ assets":"1,34","LLP Loans ratio":"0,00","Risk adjusted CIR":"65,92","LtD":"127,51","Leverage ratio":"5,43","CET1 ratio":"16,00","ROE":"7,27"},"Barclays":{"Risk adjusted NIM":"1,86","OPEX\/ assets":"1,24","LLP Loans ratio":"0,45","Risk adjusted CIR":"71,36","LtD":"82,67","Leverage ratio":"3,63","CET1 ratio":"13,20","ROE":"6,62"},"BBVA":{"Risk adjusted NIM":"3,60","OPEX\/ assets":"1,78","LLP Loans ratio":"1,06","Risk adjusted CIR":"61,09","LtD":"99,48","Leverage ratio":"5,82","CET1 ratio":"11,30","ROE":"10,91"},"BNP":{"Risk adjusted NIM":"2,19","OPEX\/ assets":"1,50","LLP Loans ratio":"0,36","Risk adjusted CIR":"74,94","LtD":"96,15","Leverage ratio":"3,74","CET1 ratio":"11,80","ROE":"7,20"},"Commerzbank":{"Risk adjusted NIM":"1,07","OPEX\/ assets":"1,40","LLP Loans ratio":"0,31","Risk adjusted CIR":"83,87","LtD":"80,53","Leverage ratio":"5,04","CET1 ratio":"12,90","ROE":"3,17"},"CreditAgricole":{"Risk adjusted NIM":"1,59","OPEX\/ assets":"0,77","LLP Loans ratio":"0,29","Risk adjusted CIR":"67,48","LtD":"61,87","Leverage ratio":"2,17","CET1 ratio":"11,50","ROE":"6,94"},"CreditSuisse":{"Risk adjusted NIM":"1,46","OPEX\/ assets":"2,17","LLP Loans ratio":"0,09","Risk adjusted CIR":"80,66","LtD":"79,02","Leverage ratio":"4,66","CET1 ratio":"12,60","ROE":"6,81"},"Danske":{"Risk adjusted NIM":"1,40","OPEX\/ assets":"0,74","LLP Loans ratio":"-0,02","Risk adjusted CIR":"56,01","LtD":"106,63","Leverage ratio":"3,55","CET1 ratio":"17,00","ROE":"9,56"},"Deutsche":{"Risk adjusted NIM":"2,18","OPEX\/ assets":"1,71","LLP Loans ratio":"0,13","Risk adjusted CIR":"93,18","LtD":"70,92","Leverage ratio":"3,54","CET1 ratio":"13,60","ROE":"1,84"},"HSBC":{"Risk adjusted NIM":"2,01","OPEX\/ assets":"1,35","LLP Loans ratio":"0,18","Risk adjusted CIR":"63,54","LtD":"72,04","Leverage ratio":"4,74","CET1 ratio":"14,00","ROE":"7,68"},"IntesaSanpaolo":{"Risk adjusted NIM":"0,81","OPEX\/ assets":"1,39","LLP Loans ratio":"0,63","Risk adjusted CIR":"68,47","LtD":"125,72","Leverage ratio":"4,74","CET1 ratio":"13,50","ROE":"6,98"},"KBC":{"Risk adjusted NIM":"1,96","OPEX\/ assets":"1,49","LLP Loans ratio":"0,00","Risk adjusted CIR":"56,38","LtD":"68,89","Leverage ratio":"5,35","CET1 ratio":"16,00","ROE":"12,82"},"Nordea":{"Risk adjusted NIM":"1,33","OPEX\/ assets":"0,92","LLP Loans ratio":"0,06","Risk adjusted CIR":"56,07","LtD":"161,75","Leverage ratio":"4,38","CET1 ratio":"15,50","ROE":"9,01"},"RBS":{"Risk adjusted NIM":"2,43","OPEX\/ assets":"1,38","LLP Loans ratio":"0,13","Risk adjusted CIR":"73,88","LtD":"84,53","Leverage ratio":"4,40","CET1 ratio":"16,20","ROE":"5,48"},"Santander":{"Risk adjusted NIM":"2,57","OPEX\/ assets":"1,56","LLP Loans ratio":"1,31","Risk adjusted CIR":"61,21","LtD":"115,71","Leverage ratio":"4,59","CET1 ratio":"11,30","ROE":"10,08"},"SocieteGenerale":{"Risk adjusted NIM":"1,95","OPEX\/ assets":"1,37","LLP Loans ratio":"0,22","Risk adjusted CIR":"73,92","LtD":"107,30","Leverage ratio":"3,22","CET1 ratio":"11,20","ROE":"6,97"},"UBS":{"Risk adjusted NIM":"1,18","OPEX\/ assets":"2,53","LLP Loans ratio":"0,04","Risk adjusted CIR":"80,17","LtD":"76,30","Leverage ratio":"3,55","CET1 ratio":"12,90","ROE":"8,46"},"Unicredit":{"Risk adjusted NIM":"1,16","OPEX\/ assets":"1,47","LLP Loans ratio":"0,83","Risk adjusted CIR":"80,80","LtD":"105,57","Leverage ratio":"5,40","CET1 ratio":"12,13","ROE":"4,49"}},"2019":{"ABN":{"Risk adjusted NIM":"2,27","OPEX\/ assets":"1,40","LLP Loans ratio":"0,25","Risk adjusted CIR":"66,28","LtD":"114,09","Leverage ratio":"5,30","CET1 ratio":"18,10","ROE":"9,36"},"ING":{"Risk adjusted NIM":"2,13","OPEX\/ assets":"1,16","LLP Loans ratio":"0,18","Risk adjusted CIR":"60,24","LtD":"106,50","Leverage ratio":"5,33","CET1 ratio":"14,57","ROE":"9,38"},"Rabobank":{"Risk adjusted NIM":"1,88","OPEX\/ assets":"1,29","LLP Loans ratio":"0,00","Risk adjusted CIR":"63,78","LtD":"128,60","Leverage ratio":"5,68","CET1 ratio":"16,30","ROE":"7,83"},"Barclays":{"Risk adjusted NIM":"1,82","OPEX\/ assets":"1,19","LLP Loans ratio":"0,56","Risk adjusted CIR":"68,89","LtD":"81,56","Leverage ratio":"3,57","CET1 ratio":"13,80","ROE":"7,01"},"BBVA":{"Risk adjusted NIM":"3,69","OPEX\/ assets":"1,79","LLP Loans ratio":"1,09","Risk adjusted CIR":"61,39","LtD":"99,52","Leverage ratio":"6,13","CET1 ratio":"11,74","ROE":"10,75"},"BNP":{"Risk adjusted NIM":"2,11","OPEX\/ assets":"1,49","LLP Loans ratio":"0,40","Risk adjusted CIR":"73,84","LtD":"96,54","Leverage ratio":"3,74","CET1 ratio":"12,10","ROE":"8,19"},"Commerzbank":{"Risk adjusted NIM":"1,16","OPEX\/ assets":"1,36","LLP Loans ratio":"0,37","Risk adjusted CIR":"83,49","LtD":"83,45","Leverage ratio":"5,25","CET1 ratio":"13,40","ROE":"3,05"},"CreditAgricole":{"Risk adjusted NIM":"1,50","OPEX\/ assets":"0,72","LLP Loans ratio":"0,32","Risk adjusted CIR":"67,50","LtD":"61,09","Leverage ratio":"2,22","CET1 ratio":"12,10","ROE":"6,50"},"CreditSuisse":{"Risk adjusted NIM":"1,52","OPEX\/ assets":"2,22","LLP Loans ratio":"0,11","Risk adjusted CIR":"78,70","LtD":"77,33","Leverage ratio":"4,69","CET1 ratio":"12,70","ROE":"8,10"},"Danske":{"Risk adjusted NIM":"1,30","OPEX\/ assets":"0,82","LLP Loans ratio":"0,08","Risk adjusted CIR":"70,17","LtD":"104,64","Leverage ratio":"3,53","CET1 ratio":"17,30","ROE":"5,79"},"Deutsche":{"Risk adjusted NIM":"2,25","OPEX\/ assets":"1,80","LLP Loans ratio":"0,17","Risk adjusted CIR":"101,23","LtD":"75,12","Leverage ratio":"3,40","CET1 ratio":"13,60","ROE":"0,46"},"HSBC":{"Risk adjusted NIM":"1,91","OPEX\/ assets":"1,29","LLP Loans ratio":"0,27","Risk adjusted CIR":"62,84","LtD":"72,04","Leverage ratio":"4,57","CET1 ratio":"14,70","ROE":"7,87"},"IntesaSanpaolo":{"Risk adjusted NIM":"0,83","OPEX\/ assets":"1,34","LLP Loans ratio":"0,55","Risk adjusted CIR":"65,88","LtD":"126,45","Leverage ratio":"5,04","CET1 ratio":"13,90","ROE":"7,54"},"KBC":{"Risk adjusted NIM":"2,02","OPEX\/ assets":"1,48","LLP Loans ratio":"0,00","Risk adjusted CIR":"56,40","LtD":"71,84","Leverage ratio":"5,83","CET1 ratio":"17,10","ROE":"11,53"},"Nordea":{"Risk adjusted NIM":"1,21","OPEX\/ assets":"1,08","LLP Loans ratio":"0,17","Risk adjusted CIR":"73,91","LtD":"160,90","Leverage ratio":"4,41","CET1 ratio":"16,30","ROE":"5,03"},"RBS":{"Risk adjusted NIM":"2,11","OPEX\/ assets":"1,28","LLP Loans ratio":"0,21","Risk adjusted CIR":"68,46","LtD":"88,54","Leverage ratio":"4,02","CET1 ratio":"16,20","ROE":"7,36"},"Santander":{"Risk adjusted NIM":"2,47","OPEX\/ assets":"1,53","LLP Loans ratio":"1,42","Risk adjusted CIR":"63,98","LtD":"114,80","Leverage ratio":"4,63","CET1 ratio":"13,05","ROE":"8,88"},"SocieteGenerale":{"Risk adjusted NIM":"2,07","OPEX\/ assets":"1,31","LLP Loans ratio":"0,28","Risk adjusted CIR":"76,20","LtD":"107,56","Leverage ratio":"3,23","CET1 ratio":"12,70","ROE":"5,70"},"UBS":{"Risk adjusted NIM":"0,98","OPEX\/ assets":"2,40","LLP Loans ratio":"0,02","Risk adjusted CIR":"80,70","LtD":"72,90","Leverage ratio":"3,65","CET1 ratio":"13,70","ROE":"7,65"},"Unicredit":{"Risk adjusted NIM":"1,06","OPEX\/ assets":"1,50","LLP Loans ratio":"0,68","Risk adjusted CIR":"84,80","LtD":"110,96","Leverage ratio":"5,85","CET1 ratio":"13,22","ROE":"3,32"}}},"scores":{"banks":["ABN","ING","Rabobank","Barclays","BBVA","BNP","Commerzbank","CreditAgricole","CreditSuisse","Danske","Deutsche","HSBC","IntesaSanpaolo","KBC","Nordea","RBS","Santander","SocieteGenerale","UBS","Unicredit"],"ratios":["Risk adjusted NIM","OPEX\/ assets","LLP Loans ratio","Risk adjusted CIR","LtD","Leverage ratio","CET1 ratio","ROE","Summed ranking","Ranking"],"years":["2017","2018","2019"],"2017":{"ABN":{"Risk adjusted NIM":"5,23","OPEX\/ assets":"6,25","LLP Loans ratio":"10,00","Risk adjusted CIR":"8,05","LtD":"4,53","Leverage ratio":"6,58","CET1 ratio":"7,92","ROE":"8,89","Summed ranking":"7,18","Ranking":"3"},"ING":{"Risk adjusted NIM":"5,39","OPEX\/ assets":"7,64","LLP Loans ratio":"9,22","Risk adjusted CIR":"8,47","LtD":"5,49","Leverage ratio":"8,11","CET1 ratio":"4,46","ROE":"7,09","Summed ranking":"6,98","Ranking":"4"},"Rabobank":{"Risk adjusted NIM":"4,27","OPEX\/ assets":"6,25","LLP Loans ratio":"10,00","Risk adjusted CIR":"6,01","LtD":"3,45","Leverage ratio":"7,38","CET1 ratio":"5,38","ROE":"4,46","Summed ranking":"5,90","Ranking":"7"},"Barclays":{"Risk adjusted NIM":"4,36","OPEX\/ assets":"7,10","LLP Loans ratio":"5,75","Risk adjusted CIR":"4,88","LtD":"7,61","Leverage ratio":"3,82","CET1 ratio":"2,84","ROE":"3,24","Summed ranking":"4,95","Ranking":"13"},"BBVA":{"Risk adjusted NIM":"8,68","OPEX\/ assets":"3,57","LLP Loans ratio":"1,97","Risk adjusted CIR":"7,07","LtD":"5,56","Leverage ratio":"9,21","CET1 ratio":"0,30","ROE":"6,74","Summed ranking":"5,39","Ranking":"9"},"BNP":{"Risk adjusted NIM":"5,97","OPEX\/ assets":"5,62","LLP Loans ratio":"7,34","Risk adjusted CIR":"5,52","LtD":"6,64","Leverage ratio":"4,27","CET1 ratio":"1,11","ROE":"5,27","Summed ranking":"5,22","Ranking":"11"},"Commerzbank":{"Risk adjusted NIM":"1,72","OPEX\/ assets":"5,77","LLP Loans ratio":"8,04","Risk adjusted CIR":"3,02","LtD":"8,33","Leverage ratio":"7,97","CET1 ratio":"3,76","ROE":"1,67","Summed ranking":"5,04","Ranking":"12"},"CreditAgricole":{"Risk adjusted NIM":"4,27","OPEX\/ assets":"9,65","LLP Loans ratio":"7,37","Risk adjusted CIR":"6,44","LtD":"9,57","Leverage ratio":"0,16","CET1 ratio":"0,99","ROE":"4,30","Summed ranking":"5,35","Ranking":"10"},"CreditSuisse":{"Risk adjusted NIM":"2,66","OPEX\/ assets":"1,44","LLP Loans ratio":"9,50","Risk adjusted CIR":"2,34","LtD":"8,39","Leverage ratio":"6,15","CET1 ratio":"3,07","ROE":"2,45","Summed ranking":"4,50","Ranking":"19"},"Danske":{"Risk adjusted NIM":"3,39","OPEX\/ assets":"9,95","LLP Loans ratio":"10,00","Risk adjusted CIR":"10,00","LtD":"6,26","Leverage ratio":"3,97","CET1 ratio":"7,81","ROE":"7,82","Summed ranking":"7,40","Ranking":"2"},"Deutsche":{"Risk adjusted NIM":"4,73","OPEX\/ assets":"5,06","LLP Loans ratio":"9,13","Risk adjusted CIR":"1,83","LtD":"9,20","Leverage ratio":"2,77","CET1 ratio":"3,65","ROE":"1,70","Summed ranking":"4,76","Ranking":"16"},"HSBC":{"Risk adjusted NIM":"4,35","OPEX\/ assets":"6,45","LLP Loans ratio":"8,78","Risk adjusted CIR":"6,63","LtD":"9,06","Leverage ratio":"7,17","CET1 ratio":"4,23","ROE":"4,20","Summed ranking":"6,36","Ranking":"6"},"IntesaSanpaolo":{"Risk adjusted NIM":"0,00","OPEX\/ assets":"5,84","LLP Loans ratio":"3,45","Risk adjusted CIR":"7,87","LtD":"3,41","Leverage ratio":"6,60","CET1 ratio":"2,84","ROE":"6,82","Summed ranking":"4,60","Ranking":"17"},"KBC":{"Risk adjusted NIM":"3,52","OPEX\/ assets":"6,39","LLP Loans ratio":"10,00","Risk adjusted CIR":"9,47","LtD":"8,77","Leverage ratio":"7,53","CET1 ratio":"6,30","ROE":"10,00","Summed ranking":"7,75","Ranking":"1"},"Nordea":{"Risk adjusted NIM":"3,02","OPEX\/ assets":"9,17","LLP Loans ratio":"9,21","Risk adjusted CIR":"8,75","LtD":"0,57","Leverage ratio":"5,16","CET1 ratio":"10,00","ROE":"5,93","Summed ranking":"6,48","Ranking":"5"},"RBS":{"Risk adjusted NIM":"4,89","OPEX\/ assets":"6,33","LLP Loans ratio":"9,06","Risk adjusted CIR":"3,72","LtD":"7,34","Leverage ratio":"5,45","CET1 ratio":"5,84","ROE":"2,09","Summed ranking":"5,59","Ranking":"8"},"Santander":{"Risk adjusted NIM":"6,98","OPEX\/ assets":"5,33","LLP Loans ratio":"0,00","Risk adjusted CIR":"7,25","LtD":"4,77","Leverage ratio":"5,98","CET1 ratio":"0,00","ROE":"6,04","Summed ranking":"4,54","Ranking":"18"},"SocieteGenerale":{"Risk adjusted NIM":"4,23","OPEX\/ assets":"6,36","LLP Loans ratio":"7,89","Risk adjusted CIR":"4,39","LtD":"5,78","Leverage ratio":"2,49","CET1 ratio":"0,65","ROE":"3,86","Summed ranking":"4,46","Ranking":"20"},"UBS":{"Risk adjusted NIM":"3,26","OPEX\/ assets":"0,00","LLP Loans ratio":"9,73","Risk adjusted CIR":"3,74","LtD":"8,33","Leverage ratio":"4,27","CET1 ratio":"4,69","ROE":"4,98","Summed ranking":"4,88","Ranking":"15"},"Unicredit":{"Risk adjusted NIM":"2,67","OPEX\/ assets":"5,38","LLP Loans ratio":"5,66","Risk adjusted CIR":"3,83","LtD":"6,46","Leverage ratio":"9,27","CET1 ratio":"3,34","ROE":"2,50","Summed ranking":"4,89","Ranking":"14"}},"2018":{"ABN":{"Risk adjusted NIM":"5,73","OPEX\/ assets":"6,34","LLP Loans ratio":"8,39","Risk adjusted CIR":"7,32","LtD":"4,67","Leverage ratio":"7,36","CET1 ratio":"8,73","ROE":"7,21","Summed ranking":"6,97","Ranking":"2"},"ING":{"Risk adjusted NIM":"5,48","OPEX\/ assets":"7,41","LLP Loans ratio":"9,26","Risk adjusted CIR":"7,80","LtD":"5,48","Leverage ratio":"7,48","CET1 ratio":"4,23","ROE":"6,57","Summed ranking":"6,71","Ranking":"4"},"Rabobank":{"Risk adjusted NIM":"4,37","OPEX\/ assets":"6,67","LLP Loans ratio":"10,00","Risk adjusted CIR":"6,84","LtD":"3,40","Leverage ratio":"8,24","CET1 ratio":"5,96","ROE":"4,73","Summed ranking":"6,28","Ranking":"6"},"Barclays":{"Risk adjusted NIM":"4,54","OPEX\/ assets":"7,23","LLP Loans ratio":"7,01","Risk adjusted CIR":"5,79","LtD":"7,86","Leverage ratio":"3,69","CET1 ratio":"2,73","ROE":"4,28","Summed ranking":"5,39","Ranking":"11"},"BBVA":{"Risk adjusted NIM":"9,73","OPEX\/ assets":"4,29","LLP Loans ratio":"2,92","Risk adjusted CIR":"7,77","LtD":"6,19","Leverage ratio":"9,22","CET1 ratio":"0,53","ROE":"7,26","Summed ranking":"5,99","Ranking":"8"},"BNP":{"Risk adjusted NIM":"5,54","OPEX\/ assets":"5,84","LLP Loans ratio":"7,60","Risk adjusted CIR":"5,09","LtD":"6,52","Leverage ratio":"3,96","CET1 ratio":"1,11","ROE":"4,68","Summed ranking":"5,04","Ranking":"12"},"Commerzbank":{"Risk adjusted NIM":"2,21","OPEX\/ assets":"6,38","LLP Loans ratio":"7,93","Risk adjusted CIR":"3,36","LtD":"8,07","Leverage ratio":"7,23","CET1 ratio":"2,38","ROE":"1,88","Summed ranking":"4,93","Ranking":"14"},"CreditAgricole":{"Risk adjusted NIM":"3,73","OPEX\/ assets":"9,71","LLP Loans ratio":"8,05","Risk adjusted CIR":"6,54","LtD":"9,92","Leverage ratio":"0,00","CET1 ratio":"0,76","ROE":"4,50","Summed ranking":"5,40","Ranking":"10"},"CreditSuisse":{"Risk adjusted NIM":"3,34","OPEX\/ assets":"2,23","LLP Loans ratio":"9,43","Risk adjusted CIR":"3,98","LtD":"8,22","Leverage ratio":"6,29","CET1 ratio":"2,03","ROE":"4,41","Summed ranking":"4,99","Ranking":"13"},"Danske":{"Risk adjusted NIM":"3,19","OPEX\/ assets":"9,90","LLP Loans ratio":"10,00","Risk adjusted CIR":"8,76","LtD":"5,48","Leverage ratio":"3,49","CET1 ratio":"7,11","ROE":"6,32","Summed ranking":"6,78","Ranking":"3"},"Deutsche":{"Risk adjusted NIM":"5,50","OPEX\/ assets":"4,68","LLP Loans ratio":"9,13","Risk adjusted CIR":"1,56","LtD":"9,02","Leverage ratio":"3,44","CET1 ratio":"3,19","ROE":"0,96","Summed ranking":"4,68","Ranking":"18"},"HSBC":{"Risk adjusted NIM":"5,00","OPEX\/ assets":"6,60","LLP Loans ratio":"8,80","Risk adjusted CIR":"7,30","LtD":"8,91","Leverage ratio":"6,47","CET1 ratio":"3,65","ROE":"5,01","Summed ranking":"6,47","Ranking":"5"},"IntesaSanpaolo":{"Risk adjusted NIM":"1,41","OPEX\/ assets":"6,39","LLP Loans ratio":"5,78","Risk adjusted CIR":"6,35","LtD":"3,58","Leverage ratio":"6,48","CET1 ratio":"3,07","ROE":"4,52","Summed ranking":"4,70","Ranking":"17"},"KBC":{"Risk adjusted NIM":"4,85","OPEX\/ assets":"5,86","LLP Loans ratio":"10,00","Risk adjusted CIR":"8,69","LtD":"9,22","Leverage ratio":"8,02","CET1 ratio":"5,96","ROE":"8,58","Summed ranking":"7,65","Ranking":"1"},"Nordea":{"Risk adjusted NIM":"2,97","OPEX\/ assets":"8,96","LLP Loans ratio":"9,63","Risk adjusted CIR":"8,75","LtD":"0,00","Leverage ratio":"5,58","CET1 ratio":"5,38","ROE":"5,94","Summed ranking":"5,90","Ranking":"9"},"RBS":{"Risk adjusted NIM":"6,23","OPEX\/ assets":"6,44","LLP Loans ratio":"9,13","Risk adjusted CIR":"5,30","LtD":"7,67","Leverage ratio":"5,63","CET1 ratio":"6,19","ROE":"3,48","Summed ranking":"6,26","Ranking":"7"},"Santander":{"Risk adjusted NIM":"6,66","OPEX\/ assets":"5,49","LLP Loans ratio":"1,30","Risk adjusted CIR":"7,75","LtD":"4,57","Leverage ratio":"6,10","CET1 ratio":"0,53","ROE":"6,69","Summed ranking":"4,89","Ranking":"15"},"SocieteGenerale":{"Risk adjusted NIM":"4,80","OPEX\/ assets":"6,52","LLP Loans ratio":"8,50","Risk adjusted CIR":"5,29","LtD":"5,41","Leverage ratio":"2,64","CET1 ratio":"0,42","ROE":"4,52","Summed ranking":"4,76","Ranking":"16"},"UBS":{"Risk adjusted NIM":"2,52","OPEX\/ assets":"0,31","LLP Loans ratio":"9,75","Risk adjusted CIR":"4,08","LtD":"8,49","Leverage ratio":"3,48","CET1 ratio":"2,38","ROE":"5,56","Summed ranking":"4,57","Ranking":"19"},"Unicredit":{"Risk adjusted NIM":"2,45","OPEX\/ assets":"6,00","LLP Loans ratio":"4,49","Risk adjusted CIR":"3,96","LtD":"5,58","Leverage ratio":"8,14","CET1 ratio":"1,49","ROE":"2,80","Summed ranking":"4,36","Ranking":"20"}},"2019":{"ABN":{"Risk adjusted NIM":"5,78","OPEX\/ assets":"6,33","LLP Loans ratio":"8,37","Risk adjusted CIR":"6,77","LtD":"4,73","Leverage ratio":"7,90","CET1 ratio":"8,38","ROE":"6,18","Summed ranking":"6,81","Ranking":"2"},"ING":{"Risk adjusted NIM":"5,36","OPEX\/ assets":"7,64","LLP Loans ratio":"8,78","Risk adjusted CIR":"7,94","LtD":"5,49","Leverage ratio":"7,98","CET1 ratio":"4,31","ROE":"6,19","Summed ranking":"6,71","Ranking":"3"},"Rabobank":{"Risk adjusted NIM":"4,60","OPEX\/ assets":"6,97","LLP Loans ratio":"10,00","Risk adjusted CIR":"7,25","LtD":"3,29","Leverage ratio":"8,86","CET1 ratio":"6,30","ROE":"5,12","Summed ranking":"6,55","Ranking":"4"},"Barclays":{"Risk adjusted NIM":"4,44","OPEX\/ assets":"7,48","LLP Loans ratio":"6,25","Risk adjusted CIR":"6,26","LtD":"7,97","Leverage ratio":"3,53","CET1 ratio":"3,42","ROE":"4,55","Summed ranking":"5,49","Ranking":"9"},"BBVA":{"Risk adjusted NIM":"10,00","OPEX\/ assets":"4,25","LLP Loans ratio":"2,78","Risk adjusted CIR":"7,72","LtD":"6,18","Leverage ratio":"10,00","CET1 ratio":"1,04","ROE":"7,15","Summed ranking":"6,14","Ranking":"7"},"BNP":{"Risk adjusted NIM":"5,30","OPEX\/ assets":"5,90","LLP Loans ratio":"7,35","Risk adjusted CIR":"5,31","LtD":"6,48","Leverage ratio":"3,95","CET1 ratio":"1,45","ROE":"5,37","Summed ranking":"5,14","Ranking":"12"},"Commerzbank":{"Risk adjusted NIM":"2,45","OPEX\/ assets":"6,56","LLP Loans ratio":"7,55","Risk adjusted CIR":"3,44","LtD":"7,78","Leverage ratio":"7,78","CET1 ratio":"2,96","ROE":"1,80","Summed ranking":"5,04","Ranking":"14"},"CreditAgricole":{"Risk adjusted NIM":"3,47","OPEX\/ assets":"10,00","LLP Loans ratio":"7,89","Risk adjusted CIR":"6,53","LtD":"10,00","Leverage ratio":"0,11","CET1 ratio":"1,45","ROE":"4,20","Summed ranking":"5,46","Ranking":"10"},"CreditSuisse":{"Risk adjusted NIM":"3,53","OPEX\/ assets":"1,98","LLP Loans ratio":"9,27","Risk adjusted CIR":"4,36","LtD":"8,39","Leverage ratio":"6,35","CET1 ratio":"2,15","ROE":"5,30","Summed ranking":"5,17","Ranking":"11"},"Danske":{"Risk adjusted NIM":"2,89","OPEX\/ assets":"9,46","LLP Loans ratio":"9,46","Risk adjusted CIR":"6,02","LtD":"5,67","Leverage ratio":"3,43","CET1 ratio":"7,46","ROE":"3,70","Summed ranking":"6,01","Ranking":"8"},"Deutsche":{"Risk adjusted NIM":"5,72","OPEX\/ assets":"4,20","LLP Loans ratio":"8,88","Risk adjusted CIR":"0,00","LtD":"8,61","Leverage ratio":"3,09","CET1 ratio":"3,19","ROE":"0,00","Summed ranking":"4,21","Ranking":"20"},"HSBC":{"Risk adjusted NIM":"4,70","OPEX\/ assets":"6,95","LLP Loans ratio":"8,23","Risk adjusted CIR":"7,44","LtD":"8,91","Leverage ratio":"6,05","CET1 ratio":"4,46","ROE":"5,15","Summed ranking":"6,49","Ranking":"5"},"IntesaSanpaolo":{"Risk adjusted NIM":"1,50","OPEX\/ assets":"6,70","LLP Loans ratio":"6,36","Risk adjusted CIR":"6,85","LtD":"3,51","Leverage ratio":"7,25","CET1 ratio":"3,53","ROE":"4,92","Summed ranking":"5,08","Ranking":"13"},"KBC":{"Risk adjusted NIM":"5,03","OPEX\/ assets":"5,93","LLP Loans ratio":"10,00","Risk adjusted CIR":"8,68","LtD":"8,93","Leverage ratio":"9,23","CET1 ratio":"7,23","ROE":"7,69","Summed ranking":"7,84","Ranking":"1"},"Nordea":{"Risk adjusted NIM":"2,61","OPEX\/ assets":"8,08","LLP Loans ratio":"8,89","Risk adjusted CIR":"5,29","LtD":"0,08","Leverage ratio":"5,64","CET1 ratio":"6,30","ROE":"3,17","Summed ranking":"5,01","Ranking":"15"},"RBS":{"Risk adjusted NIM":"5,29","OPEX\/ assets":"6,98","LLP Loans ratio":"8,58","Risk adjusted CIR":"6,35","LtD":"7,27","Leverage ratio":"4,65","CET1 ratio":"6,19","ROE":"4,79","Summed ranking":"6,26","Ranking":"6"},"Santander":{"Risk adjusted NIM":"6,36","OPEX\/ assets":"5,67","LLP Loans ratio":"0,57","Risk adjusted CIR":"7,22","LtD":"4,66","Leverage ratio":"6,21","CET1 ratio":"2,55","ROE":"5,85","Summed ranking":"4,89","Ranking":"16"},"SocieteGenerale":{"Risk adjusted NIM":"5,17","OPEX\/ assets":"6,86","LLP Loans ratio":"8,11","Risk adjusted CIR":"4,85","LtD":"5,38","Leverage ratio":"2,67","CET1 ratio":"2,15","ROE":"3,64","Summed ranking":"4,85","Ranking":"17"},"UBS":{"Risk adjusted NIM":"1,93","OPEX\/ assets":"1,00","LLP Loans ratio":"9,84","Risk adjusted CIR":"3,98","LtD":"8,83","Leverage ratio":"3,74","CET1 ratio":"3,30","ROE":"4,99","Summed ranking":"4,70","Ranking":"18"},"Unicredit":{"Risk adjusted NIM":"2,16","OPEX\/ assets":"5,81","LLP Loans ratio":"5,45","Risk adjusted CIR":"3,18","LtD":"5,05","Leverage ratio":"9,29","CET1 ratio":"2,75","ROE":"1,99","Summed ranking":"4,46","Ranking":"19"}}}}}

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Actuals

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Actuals

Disclaimer: ratios mentioned are relative and limited to the banks and FYs mentioned.