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Key fi gures<br />
Results<br />
(in millions of euros)<br />
31 December 2006 31 December 2007<br />
Total assets 1,440,343 1,694,454<br />
Customer deposits 393,133 445,103<br />
Customer loans (gross) 298,652 346,704<br />
Shareholder’s equity (1) 49,512 53,799<br />
International capital adequacy ratio 10.5% 10%<br />
o/w Tier One 7.4% 7.3%<br />
(1) Before income appropriation.<br />
Number of Group employees<br />
(Full-time equivalents)<br />
Net banking<br />
income<br />
(in millions of euros)<br />
2006 2007<br />
World 141,911 162,700<br />
Europe (including overseas department and territories) 110,584 126,000<br />
Long-term ratings<br />
Standard & Poor’s AA+ Stable outlook upgraded on 10 July 2007<br />
Moody’s Aa1 Stable outlook upgraded on 23 May 2007<br />
Fitch AA Stable outlook reaffirmed on 16 May 2007<br />
17,935<br />
18,823<br />
21,854<br />
27,943<br />
31,037<br />
2003*<br />
2004*<br />
2005**<br />
2006**<br />
2007**<br />
Gross income<br />
(in millions of euros)<br />
8,485<br />
7,231<br />
6,650<br />
10,878<br />
12,273<br />
2003*<br />
2004*<br />
2005**<br />
2006**<br />
2007**<br />
Net attributable<br />
income<br />
(in millions of euros)<br />
5,852<br />
4,668<br />
3,761<br />
7,308<br />
7,822<br />
2003*<br />
2004*<br />
2005**<br />
2006**<br />
2007**<br />
Earnings<br />
per share<br />
(in euros) (***)<br />
5.51<br />
4.28<br />
8.03<br />
6.96<br />
2003*<br />
2004*<br />
2005**<br />
2006**<br />
2007**<br />
8.49