2.206
Revenue€B
3.386
3.591
3.708
3.981
4.267
4.552
4.716
4.905
5.288
5.495
2.361
5.19%
5.71%
44
26.02
Revenue growth%
24.29
26.71
26.29
28.12
30.21
27.98
30.39
31.17
29.99
32.61
24.37
30.39
29.05
24
25.14
NIM%
6.53
7.79
5.61
7.64
9.53
9.97
10.02
7.35
8.36
8.24
4.20
8.36
8.02
7
3.30
Effic. R.%
0.40
2.98
1.15
0.86
0.40
1.25
0.40
2.52
3.93
1.07
9.09
1.25
1.11
9
28.88
Net margin%
27.80
30.14
32.86
32.46
34.04
33.09
35.12
32.44
33.79
33.67
13.25
33.67
32.98
43
15.05
P/E ratio (avg)x
39.49
45.92
53.09
55.30
51.12
58.01
59.64
63.10
61.02
67.71
30.61
61.02
56.65
79
14.26
P/TBVx
40.79
41.16
46.60
44.70
41.05
43.07
42.22
41.43
44.27
45.22
25.85
43.07
42.65
56
37.47
P/Bx
12.24
14.19
14.36
13.93
14.60
16.67
17.62
17.78
18.17
20.28
18.26
17.78
15.64
84
0.388
NII€B
2.128
2.235
2.330
2.503
2.696
2.830
2.928
3.062
3.304
3.452
1.807
5.07%
5.67%
—
20.45
NII grth%
17.88
15.99
16.85
18.25
17.82
19.92
22.75
22.43
23.88
25.35
28.88
22.75
19.09
11
19.39
ROTE%
24.38
22.17
21.08
19.94
17.02
19.65
17.06
17.55
16.75
14.98
4.31
17.06
18.60
66
21.25
Return on equity%
31.91
34.34
36.61
38.12
35.76
38.65
40.15
38.48
39.09
38.89
25.17
38.89
38.30
57
19.70
Return on assets%
17.55
20.28
18.25
19.23
21.33
24.20
23.29
23.00
22.86
23.22
18.21
23.22
22.09
9
0.92
EPS€
1.51
1.58
1.85
1.96
2.12
2.29
2.32
2.57
3.09
3.70
0.99
11.82%
10.13%
—
5.80
EPS growth%
19.77
21.26
22.47
19.58
16.85
19.84
22.17
25.10
23.32
25.68
28.29
23.32
21.72
37
1.21
Bookvalue per sh€
0.74
0.70
0.65
0.72
0.71
0.72
0.66
0.71
0.75
0.76
1.62
1.12%
0.91%
—
1.37
TBV/sh€
0.68
0.65
0.69
0.68
0.70
0.64
0.67
0.69
0.73
0.70
0.62
(0.02%)
0.17%
—
0.33
Dividend per sh€
1.53
1.33
1.29
1.34
1.39
1.47
1.45
1.41
1.47
1.35
0.58
(0.61%)
(1.45%)
—
22.51
Div yield (avg)%
12.85
15.11
13.58
16.16
18.44
19.05
16.45
17.31
15.80
15.70
14.12
16.45
15.98
79
8.09
Payout ratio%
1.98
4.23
2.12
0.40
0.40
1.13
0.40
0.40
0.40
0.40
27.60
0.40
0.40
16
876.4
Shares (diluted)M
911.2
820.1
842.8
812.3
770.1
819.8
799.6
751.1
753.4
800.9
868.3
0.79%
(2.21%)
78
26.78
Buyback yield%
13.20
12.44
15.36
15.27
15.06
14.26
13.69
12.23
9.53
10.31
25.91
12.23
13.45
88
44.26
Eq/Assets%
121.57
120.93
122.72
125.24
118.36
100.59
89.46
88.92
95.03
88.93
51.91
89.46
109.47
19
1.466
Assets€B
8.580
9.667
10.29
11.10
12.47
13.50
14.44
15.44
16.50
17.47
0.537
6.96%
7.88%
51
3.221
LT debt€B
2.255
2.055
2.083
2.075
1.878
1.949
2.117
1.950
2.009
2.084
3.444
2.10%
(1.27%)
36
Total assets
€17.47B
7.88%
1.23×
Revenue
€5.495B
5.71%
1.00×
Non-interest expense
€2.533B
6.04%
1.03×
Net interest income
62.82%
Non-interest income
37.18%