0.879
Revenue€B
0.676
0.701
0.736
0.787
0.840
0.879
0.939
0.993
1.056
1.106
0.960
5.67%
5.65%
24
24.74
Revenue growth%
5.59
7.22
6.56
7.74
9.11
9.13
11.32
12.67
11.21
14.02
14.28
11.32
9.12
45
18.70
NIM%
18.02
19.30
19.83
22.19
24.73
25.77
23.02
22.38
22.70
24.55
9.50
23.02
22.54
46
10.11
Effic. R.%
8.41
10.43
12.58
15.58
16.03
16.86
14.83
12.30
13.05
15.91
2.70
14.83
13.94
52
5.92
Net margin%
25.39
26.70
24.87
23.37
26.34
28.45
26.59
26.41
24.29
22.67
10.93
26.41
25.87
9
12.31
P/E ratio (avg)x
13.57
13.44
12.94
12.92
12.94
13.54
15.14
14.66
15.97
17.98
19.34
15.14
13.55
81
10.90
P/TBVx
37.87
41.53
44.36
48.42
48.86
57.99
66.51
74.07
75.73
90.11
25.86
74.07
53.43
83
21.71
P/Bx
12.67
13.84
13.65
13.34
15.00
15.86
16.88
18.59
18.34
21.89
9.384
18.34
15.43
92
145.4
NII€M
513.5
537.1
551.7
592.6
631.2
660.2
718.5
753.9
807.3
836.9
339.8
5.80%
5.72%
—
5.24
NII grth%
14.30
12.20
9.97
7.44
7.92
5.85
8.54
7.85
4.87
4.27
27.22
5.85
7.89
71
24.66
ROTE%
9.01
7.16
7.23
7.24
9.46
11.30
10.62
13.20
11.25
9.83
3.98
11.25
9.65
30
26.79
Return on equity%
6.58
6.28
9.17
6.78
4.12
7.10
5.11
7.35
6.64
3.69
29.09
6.64
6.61
5
4.49
Return on assets%
13.68
12.51
14.21
16.91
19.38
20.69
20.68
21.07
18.12
21.11
10.28
20.69
18.75
20
1.84
EPS€
3.25
3.00
3.17
3.21
3.29
2.81
2.99
2.81
2.40
2.52
1.98
(5.18%)
(3.46%)
—
28.70
EPS growth%
9.27
11.10
8.11
8.83
5.98
5.80
6.21
4.04
6.05
5.61
16.22
5.80
6.13
55
1.97
Bookvalue per sh€
5.89
6.10
5.37
5.49
4.76
4.30
4.06
3.48
3.58
3.47
7.64
(6.14%)
(5.34%)
—
3.80
TBV/sh€
5.49
6.31
6.57
7.13
8.18
8.68
10.05
10.33
10.43
11.54
7.32
7.13%
8.09%
—
2.50
Dividend per sh€
7.29
8.03
7.84
8.74
8.57
7.69
8.62
9.00
8.84
9.27
1.28
1.57%
2.60%
—
13.76
Div yield (avg)%
27.17
29.79
30.35
28.14
30.23
32.93
34.97
36.21
33.53
34.60
11.59
34.60
31.64
17
25.90
Payout ratio%
7.50
10.15
8.91
9.57
11.38
9.89
11.56
10.04
7.11
8.07
21.18
9.89
9.73
26
43.56
Shares (diluted)M
53.25
56.73
59.97
63.49
62.39
61.34
68.46
71.55
79.91
93.91
41.38
8.52%
5.58%
94
27.38
Buyback yield%
10.25
10.95
8.90
7.73
8.14
6.97
5.22
4.89
7.39
10.04
14.55
6.97
7.93
88
45.86
Eq/Assets%
206.53
217.29
247.75
243.80
271.31
271.60
304.91
344.64
380.95
416.15
70.81
344.64
271.46
86
776.5
Assets€M
198.0
213.4
229.8
261.0
274.1
305.4
312.7
340.0
368.0
382.7
703.4
6.90%
7.67%
42
0.997
LT debt€B
1.007
1.125
0.992
1.084
1.147
1.124
1.101
1.228
1.358
1.297
0.398
2.50%
2.16%
33
Total assets
€382.7M
7.67%
1.21×
Revenue
€1.106B
5.65%
1.00×
Non-interest expense
€674.8M
5.86%
1.02×
Net interest income
75.66%
Non-interest income
24.34%
Return on capital
206.87%