0.959
Revenue€B
1.929
2.004
2.045
2.094
2.167
2.226
2.345
2.391
2.446
2.529
1.028
3.14%
3.11%
83
7.31
Revenue growth%
7.82
7.00
4.09
1.93
0.40
2.11
1.72
0.72
0.40
2.37
23.64
1.72
2.02
30
7.07
NIM%
8.70
8.94
10.71
11.13
12.36
10.75
12.48
15.22
17.49
16.10
14.59
15.22
11.75
41
6.45
Effic. R.%
5.18
7.33
10.14
8.77
5.87
8.77
7.38
8.06
5.23
7.83
18.65
7.83
7.60
39
12.17
Net margin%
0.40
0.40
0.61
2.58
0.40
1.74
0.79
3.05
1.99
4.08
4.81
1.99
1.27
28
36.74
P/E ratio (avg)x
50.85
54.96
59.67
53.13
49.54
42.69
45.27
44.67
47.61
41.63
36.01
44.67
48.58
18
9.044
P/TBVx
48.36
51.02
57.24
65.61
65.83
74.12
70.21
68.23
66.65
61.72
28.89
68.23
65.72
9
7.232
P/Bx
23.78
27.27
31.01
35.81
41.23
40.15
42.98
43.49
50.69
56.81
18.02
43.49
40.69
24
2.230
NII€B
1.485
1.523
1.544
1.595
1.653
1.688
1.791
1.815
1.847
1.907
0.401
2.90%
2.86%
—
20.45
NII grth%
15.07
14.73
15.53
15.35
16.97
17.01
17.12
16.26
15.26
18.05
19.16
17.01
15.89
32
11.90
ROTE%
11.86
9.63
12.44
10.19
10.27
7.99
9.15
11.74
12.21
10.77
23.45
10.77
10.52
39
12.41
Return on equity%
13.06
12.58
12.31
9.72
6.98
5.26
5.10
2.63
4.64
2.95
2.80
4.64
6.12
50
13.17
Return on assets%
23.81
21.60
22.97
21.94
21.99
19.95
21.04
18.21
17.34
15.80
5.71
18.21
21.32
79
0.39
EPS€
0.21
0.21
0.20
0.20
0.23
0.22
0.21
0.20
0.20
0.19
0.43
(3.60%)
(0.53%)
—
20.92
EPS growth%
0.95
3.61
4.63
4.16
1.26
0.40
0.40
0.40
3.19
3.23
23.97
0.40
2.22
67
0.14
Bookvalue per sh€
0.94
1.04
1.14
1.34
1.52
1.81
2.03
2.21
2.55
2.74
0.55
12.59%
11.76%
—
0.59
TBV/sh€
0.15
0.14
0.16
0.16
0.15
0.14
0.14
0.15
0.16
0.18
0.20
3.05%
2.25%
—
0.27
Dividend per sh€
0.29
0.28
0.28
0.29
0.31
0.34
0.33
0.34
0.35
0.33
0.44
1.57%
1.70%
—
29.49
Div yield (avg)%
24.35
25.12
27.81
30.23
29.94
30.84
33.46
33.04
31.08
32.07
5.20
32.07
30.53
73
17.39
Payout ratio%
31.56
34.28
36.87
37.10
37.72
38.67
36.72
37.73
35.00
33.49
14.57
36.72
36.79
29
3.599
Shares (diluted)B
3.494
3.767
4.271
4.643
4.581
4.968
4.785
4.401
4.358
4.591
3.675
0.04%
3.74%
51
3.63
Buyback yield%
11.98
14.77
14.42
11.91
10.28
9.53
8.07
8.44
7.66
7.23
26.20
8.07
9.90
61
168.94
Eq/Assets%
116.12
120.42
127.62
140.98
132.05
148.62
166.57
187.22
186.35
190.09
82.38
186.35
144.80
93
0.745
Assets€B
2.404
2.592
2.701
2.937
3.337
3.470
3.812
4.077
4.353
4.919
0.835
8.07%
8.05%
32
1,802
LT debt€M
762.0
734.6
793.8
725.0
634.8
576.3
542.2
593.6
645.5
713.5
856.4
2.36%
(0.14%)
11
Total assets
€4.919B
8.05%
1.60×
Revenue
€2.529B
3.11%
1.00×
Non-interest expense
€1.260B
3.06%
1.00×
Net interest income
75.42%
Non-interest income
24.58%