1.359
Revenue€B
1.656
1.681
1.733
1.780
1.778
1.785
1.778
1.819
1.831
1.908
1.494
1.42%
1.72%
41
28.49
Revenue growth%
15.92
15.35
12.75
14.34
16.82
17.77
18.12
18.52
17.15
16.53
3.82
17.77
16.68
59
5.12
NIM%
17.67
19.27
20.09
18.51
20.07
18.46
17.40
18.04
19.09
18.63
14.17
18.46
18.57
84
26.28
Effic. R.%
11.10
10.81
7.82
7.17
8.99
9.05
8.37
10.04
8.11
6.43
16.99
8.37
8.68
44
12.18
Net margin%
4.45
5.89
5.68
5.91
5.45
4.96
6.65
7.85
9.80
7.60
29.94
7.60
5.90
55
35.06
P/E ratio (avg)x
18.58
18.08
16.69
17.83
18.19
18.33
19.99
21.45
20.06
17.96
11.02
19.99
18.26
6
30.35
P/TBVx
22.74
21.43
20.27
21.59
23.40
22.48
20.56
22.08
19.99
20.15
29.89
20.56
21.51
78
19.16
P/Bx
36.92
37.80
35.83
35.62
40.56
39.52
45.63
45.61
42.88
47.21
21.91
45.61
40.04
7
1.542
NII€B
1.163
1.186
1.248
1.253
1.277
1.267
1.261
1.291
1.306
1.353
1.654
1.17%
1.66%
—
13.20
NII grth%
18.53
18.22
17.39
18.44
18.15
17.65
18.41
19.33
21.53
20.44
28.10
19.33
18.43
71
26.68
ROTE%
20.74
22.22
23.59
21.79
21.27
18.50
15.74
15.42
14.90
13.19
2.76
15.42
19.62
15
7.06
Return on equity%
11.07
11.49
8.80
10.99
12.47
15.30
13.11
14.63
17.45
19.83
22.81
15.30
12.79
36
19.08
Return on assets%
26.66
27.11
25.00
22.91
24.29
22.78
24.57
22.35
24.09
26.30
26.76
24.09
24.43
68
0.11
EPS€
0.26
0.24
0.25
0.24
0.23
0.26
0.27
0.29
0.26
0.25
0.11
1.46%
(0.84%)
—
28.14
EPS growth%
0.40
3.17
5.37
6.86
5.48
4.57
1.92
1.21
1.34
3.11
5.58
1.92
3.14
17
0.13
Bookvalue per sh€
0.20
0.18
0.18
0.17
0.17
0.18
0.20
0.20
0.19
0.19
0.12
1.72%
(0.02%)
—
0.48
TBV/sh€
0.33
0.35
0.33
0.36
0.35
0.33
0.33
0.34
0.34
0.31
0.40
(2.09%)
(0.95%)
—
0.27
Dividend per sh€
0.38
0.36
0.35
0.35
0.39
0.40
0.42
0.41
0.38
0.42
0.33
1.30%
1.30%
—
10.21
Div yield (avg)%
10.92
9.78
8.37
8.64
10.29
8.20
6.64
8.92
9.73
10.57
26.06
8.92
9.33
88
24.07
Payout ratio%
14.03
12.78
9.85
12.06
14.52
13.86
16.02
15.60
18.52
16.57
29.93
16.02
14.28
86
2.284
Shares (diluted)B
2.473
2.661
2.613
2.468
2.299
2.254
2.043
1.816
1.944
1.831
2.302
(4.45%)
(2.03%)
28
13.37
Buyback yield%
0.40
0.40
0.40
1.72
1.05
1.30
0.40
1.83
3.88
3.16
22.31
1.83
1.18
64
176.57
Eq/Assets%
40.22
41.80
40.81
40.03
41.50
45.04
49.49
55.81
63.08
66.27
66.89
55.81
43.42
39
0.920
Assets€B
3.592
3.864
4.125
4.422
4.675
5.194
5.693
6.261
6.947
7.546
1.706
10.05%
8.39%
46
1,229
LT debt€M
219.7
202.1
206.8
204.4
216.0
220.6
209.4
192.8
206.1
224.0
811.5
0.73%
0.45%
31
Total assets
€7.546B
8.39%
1.89×
Revenue
€1.908B
1.72%
1.00×
Non-interest expense
€862.5M
1.74%
1.00×
Net interest income
70.91%
Non-interest income
29.09%