549.9
Revenue€M
559.9
571.7
591.0
624.7
632.5
656.0
681.4
697.4
714.6
738.5
613.2
3.15%
3.13%
15
5.06
Revenue growth%
8.88
9.67
11.83
14.64
14.94
14.73
15.49
13.35
11.49
11.68
6.42
13.35
12.59
30
25.05
NIM%
31.20
30.07
30.08
31.03
32.14
31.13
32.63
33.47
33.97
35.57
20.88
33.47
31.67
20
20.99
Effic. R.%
11.82
14.11
15.71
17.85
16.80
17.86
16.36
14.58
15.58
17.97
14.66
16.36
16.04
20
24.53
Net margin%
0.40
3.12
4.61
1.97
1.20
2.42
2.47
4.63
2.36
0.40
14.62
2.42
2.39
50
24.21
P/E ratio (avg)x
12.48
14.34
13.68
15.64
15.57
15.47
17.25
17.34
19.13
21.24
35.10
17.34
15.60
61
10.41
P/TBVx
36.78
42.33
43.29
48.92
49.58
47.57
47.59
45.38
49.49
53.72
37.80
47.59
47.58
84
28.53
P/Bx
12.90
13.77
13.62
11.83
11.43
10.40
11.18
10.11
8.664
7.726
30.40
10.11
11.31
14
463.5
NII€M
374.3
384.8
396.1
422.5
425.5
445.1
464.5
471.0
486.5
505.4
523.3
3.50%
3.19%
—
24.09
NII grth%
3.23
4.99
6.18
5.11
4.71
7.64
6.83
7.76
10.44
11.99
15.75
7.76
6.50
5
14.94
ROTE%
22.45
22.12
19.58
21.05
19.57
19.93
17.71
17.23
17.15
14.63
12.45
17.23
19.58
19
9.34
Return on equity%
21.99
22.02
22.31
22.45
21.25
21.28
20.99
19.84
17.74
18.83
10.52
19.84
21.27
43
22.28
Return on assets%
21.58
19.68
20.57
17.90
15.63
16.06
15.48
13.42
15.25
14.71
19.11
15.25
15.84
60
0.05
EPS€
0.07
0.07
0.07
0.06
0.06
0.06
0.06
0.05
0.05
0.04
0.05
(6.54%)
(5.10%)
—
3.57
EPS growth%
25.63
23.75
21.86
21.38
21.12
19.76
19.33
22.04
19.14
18.73
3.57
19.33
21.25
91
0.02
Bookvalue per sh€
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.05
0.02
(0.96%)
(1.46%)
—
0.03
TBV/sh€
0.05
0.05
0.04
0.04
0.04
0.05
0.06
0.06
0.06
0.06
0.03
6.65%
2.27%
—
0.09
Dividend per sh€
0.09
0.08
0.08
0.08
0.07
0.07
0.07
0.08
0.08
0.07
0.03
(0.71%)
(1.76%)
—
12.71
Div yield (avg)%
30.78
30.76
30.56
33.56
32.01
34.11
31.25
29.29
30.76
31.16
20.83
31.16
30.97
66
17.17
Payout ratio%
28.14
28.31
31.28
31.36
32.48
34.14
34.35
33.23
32.69
30.66
10.02
33.23
31.92
59
2.149
Shares (diluted)B
1.727
1.500
1.425
1.395
1.315
1.390
1.433
1.264
1.077
1.126
2.209
(3.06%)
(4.31%)
71
27.41
Buyback yield%
1.65
4.07
6.85
6.70
4.95
2.87
2.28
3.28
6.24
7.87
20.21
3.28
4.51
93
58.19
Eq/Assets%
20.07
21.96
22.74
22.41
26.01
26.48
31.06
36.37
36.97
41.92
79.53
36.37
26.25
50
0.630
Assets€B
1.046
1.141
1.253
1.378
1.484
1.637
1.788
1.992
2.200
2.380
0.572
9.90%
9.19%
89
207.2
LT debt€M
165.6
157.4
161.4
166.6
166.3
180.7
173.3
156.6
175.2
175.0
548.1
1.03%
1.46%
54
Total assets
€2.380B
9.19%
1.77×
Revenue
€738.5M
3.13%
1.00×
Non-interest expense
€401.6M
3.25%
1.01×
Net interest income
68.44%
Non-interest income
31.56%