84.97
Revenue€M
94.34
95.99
97.88
99.65
99.93
100.0
100.3
103.6
105.7
104.7
88.62
0.94%
1.14%
71
22.83
Revenue growth%
15.52
16.58
17.44
19.93
22.27
24.34
24.29
26.84
29.46
29.42
10.10
26.84
23.28
25
28.67
NIM%
27.56
27.37
30.10
30.85
31.92
33.37
34.97
37.10
37.25
39.63
17.32
37.10
32.65
69
20.76
Effic. R.%
17.58
17.99
16.28
13.41
13.45
11.04
8.68
8.28
7.92
5.70
3.52
8.28
12.23
48
12.71
Net margin%
22.91
23.92
23.89
22.61
21.17
19.66
19.11
21.95
24.67
26.32
22.11
21.95
22.76
41
20.39
P/E ratio (avg)x
22.07
21.31
19.35
17.19
15.78
14.19
13.07
12.70
13.04
12.26
29.81
13.04
14.98
94
35.24
P/TBVx
9.224
8.887
9.311
7.950
8.542
8.331
8.690
8.117
8.182
7.779
8.747
8.182
8.436
48
28.95
P/Bx
38.22
35.08
36.96
34.62
34.99
35.92
33.09
34.71
32.88
30.94
34.77
33.09
34.85
68
84.46
NII€M
68.14
69.20
70.88
71.84
71.45
72.21
71.38
74.97
75.15
76.46
31.37
1.36%
1.36%
—
4.44
NII grth%
14.87
14.83
12.03
9.64
10.89
8.35
6.12
4.21
4.70
5.39
8.95
5.39
8.99
34
3.61
ROTE%
8.36
8.03
9.10
11.65
13.15
12.58
14.38
16.54
16.68
19.51
29.41
16.54
12.87
87
19.57
Return on equity%
33.15
33.45
35.49
35.88
36.01
38.61
37.80
35.27
35.08
34.67
20.89
35.27
35.38
75
9.94
Return on assets%
18.30
18.27
18.42
21.09
23.96
24.15
26.35
27.18
27.76
25.54
15.48
26.35
24.06
5
2.66
EPS€
2.19
2.21
2.01
2.03
1.93
2.13
2.30
2.41
2.46
2.18
2.92
2.47%
0.63%
—
26.23
EPS growth%
10.68
9.02
10.70
11.74
8.78
11.38
13.70
15.47
17.12
17.86
16.41
15.47
11.56
47
1.26
Bookvalue per sh€
1.58
1.74
1.68
1.64
1.62
1.44
1.58
1.48
1.39
1.46
2.05
(2.10%)
(0.97%)
—
2.09
TBV/sh€
2.85
2.61
2.44
2.73
2.99
2.92
2.69
2.82
2.70
2.48
2.48
(3.67%)
(0.82%)
—
1.40
Dividend per sh€
1.45
1.44
1.58
1.55
1.49
1.62
1.82
2.01
1.99
2.17
3.34
7.77%
4.72%
—
12.77
Div yield (avg)%
10.93
9.95
11.58
14.10
16.15
16.35
17.36
18.43
21.06
20.89
26.76
18.43
16.25
50
22.38
Payout ratio%
35.73
34.81
36.64
37.58
40.25
41.37
41.58
39.52
40.54
41.92
19.92
41.37
39.88
43
14.57
Shares (diluted)M
19.16
21.48
20.60
20.75
22.09
24.10
24.86
27.26
29.51
28.73
14.28
5.39%
4.16%
50
19.36
Buyback yield%
18.52
16.20
16.23
17.55
16.14
13.97
13.33
15.27
16.35
15.42
10.76
15.27
16.17
80
162.05
Eq/Assets%
101.88
87.62
81.89
78.78
85.04
80.86
86.38
75.93
77.90
77.12
141.61
77.90
81.37
56
18.03
Assets€M
84.44
95.12
98.49
109.3
119.3
129.8
145.8
161.4
177.3
187.1
32.48
9.42%
9.59%
15
69.66
LT debt€M
100.0
97.31
94.02
105.9
102.8
115.3
124.6
128.7
151.1
178.8
7.029
11.70%
7.29%
63
Total assets
€187.1M
9.59%
2.23×
Revenue
€104.7M
1.14%
1.00×
Non-interest expense
€49.40M
1.23%
1.01×
Net interest income
73.02%
Non-interest income
26.98%