23.41
Revenue€M
237.2
253.9
277.5
298.6
319.2
344.2
367.4
390.7
422.0
465.9
24.71
7.86%
7.85%
15
10.22
Revenue growth%
11.19
8.85
8.72
11.10
13.05
10.88
13.37
11.41
9.65
7.87
17.60
10.88
10.99
70
24.99
NIM%
26.69
27.89
29.73
29.54
30.75
32.80
34.75
36.67
33.96
31.33
3.15
33.96
31.04
85
13.28
Effic. R.%
4.75
4.04
4.34
2.15
0.40
2.10
2.14
0.94
0.40
2.28
13.33
2.10
2.15
58
19.92
Net margin%
25.27
27.12
29.95
31.18
32.24
31.01
32.41
30.05
29.61
27.28
3.66
30.05
30.00
75
16.83
P/E ratio (avg)x
10.42
11.07
9.432
9.556
9.258
8.852
8.501
9.214
8.571
8.922
33.11
8.852
9.236
84
37.12
P/TBVx
10.82
10.67
10.08
10.02
9.098
9.735
8.693
8.316
8.459
9.068
12.61
8.693
9.416
41
10.56
P/Bx
36.19
33.92
37.22
37.17
43.19
41.48
45.81
46.11
43.10
41.92
17.63
43.10
41.70
90
133.2
NII€M
153.9
167.4
178.2
196.6
206.4
224.8
236.0
251.8
276.3
305.7
524.9
8.17%
7.79%
—
10.03
NII grth%
6.43
6.10
7.64
6.16
8.76
8.46
8.53
10.29
9.45
9.42
22.06
9.42
8.50
79
21.03
ROTE%
10.09
12.59
14.48
17.17
15.27
12.65
11.62
12.27
14.55
15.51
29.90
12.65
13.57
60
10.89
Return on equity%
11.45
14.28
16.13
19.09
18.03
20.69
19.64
19.68
18.20
17.32
20.01
19.64
18.12
59
3.70
Return on assets%
24.09
21.44
20.71
17.75
20.62
23.11
23.62
26.20
23.61
22.12
23.98
23.61
22.62
44
1.29
EPS€
0.50
0.53
0.45
0.43
0.38
0.33
0.33
0.34
0.30
0.32
1.44
(2.96%)
(3.83%)
—
17.73
EPS growth%
16.63
18.65
20.48
20.34
20.97
20.64
17.92
20.47
22.85
21.44
19.65
20.64
20.47
56
1.64
Bookvalue per sh€
1.22
1.34
1.36
1.65
1.77
1.97
2.28
2.48
2.87
2.84
1.12
9.87%
9.51%
—
1.64
TBV/sh€
0.50
0.51
0.50
0.58
0.59
0.69
0.67
0.80
0.87
0.97
0.91
10.61%
8.19%
—
0.50
Dividend per sh€
0.44
0.47
0.41
0.41
0.41
0.43
0.39
0.41
0.43
0.45
1.05
1.85%
(0.03%)
—
14.65
Div yield (avg)%
17.92
19.91
21.64
23.27
20.71
22.98
20.97
20.78
21.73
18.96
21.78
20.97
20.87
61
16.64
Payout ratio%
12.24
13.83
12.61
10.31
11.06
12.30
13.16
15.74
17.73
16.89
2.72
15.74
12.89
78
225.9
Shares (diluted)M
152.2
129.7
138.5
135.6
121.6
129.3
135.3
136.1
139.9
120.8
226.3
(0.13%)
(3.47%)
34
12.97
Buyback yield%
29.38
30.18
29.13
27.66
25.70
28.51
31.17
31.49
32.51
30.36
14.55
31.17
29.78
81
109.42
Eq/Assets%
88.11
90.10
86.64
87.05
91.65
105.64
104.78
101.01
98.88
95.71
91.19
101.01
93.68
27
0.197
Assets€B
1.029
1.103
1.195
1.298
1.415
1.471
1.531
1.678
1.827
1.988
0.418
7.04%
7.71%
65
487.5
LT debt€M
196.5
195.7
223.1
248.7
267.0
301.6
310.1
294.7
322.1
341.0
52.15
5.01%
5.92%
12
Total assets
€1.988B
7.71%
0.99×
Revenue
€465.9M
7.85%
1.00×
Non-interest expense
€253.2M
7.77%
0.99×
Net interest income
65.62%
Non-interest income
34.38%