56.36
Revenue€M
47.79
50.95
54.09
59.13
64.22
70.34
74.38
79.65
84.83
91.58
60.78
7.35%
7.66%
5
4.75
Revenue growth%
6.98
4.83
6.54
8.33
5.63
4.09
4.30
3.58
2.79
4.14
18.13
4.09
4.57
52
16.72
NIM%
22.17
22.47
24.29
21.49
23.53
22.61
23.37
24.08
21.61
24.42
16.33
23.37
22.99
68
5.58
Effic. R.%
8.23
6.30
8.46
6.20
3.78
4.94
3.16
6.04
7.13
10.04
8.43
6.04
6.25
33
11.39
Net margin%
34.94
36.78
38.02
36.72
38.33
39.39
39.95
38.97
38.89
36.68
15.39
38.97
38.18
76
35.61
P/E ratio (avg)x
21.31
19.81
21.50
22.22
24.70
28.60
28.73
31.38
36.10
38.08
23.52
31.38
26.65
56
14.09
P/TBVx
13.67
12.06
12.73
12.46
12.31
10.57
9.376
9.023
7.865
7.624
28.25
9.023
11.31
62
9.409
P/Bx
34.92
39.68
44.39
44.86
50.51
49.82
54.47
59.72
64.85
72.45
12.58
59.72
50.17
9
4.675
NII€M
27.30
28.60
30.04
33.26
36.41
39.74
41.54
44.22
48.16
52.37
85.82
7.54%
7.65%
—
7.89
NII grth%
16.73
17.28
19.88
20.58
20.52
20.32
18.42
16.94
18.77
21.65
20.36
18.77
19.32
73
10.95
ROTE%
21.57
23.52
25.84
25.04
26.00
23.89
20.90
18.38
16.60
17.23
14.29
18.38
22.54
83
11.67
Return on equity%
12.37
9.80
10.36
9.06
8.65
8.58
9.33
7.74
10.70
11.69
5.70
9.33
9.56
13
7.41
Return on assets%
8.23
9.22
6.28
4.82
4.40
4.45
2.10
4.86
4.96
5.69
18.61
4.86
4.91
31
1.10
EPS€
1.20
1.22
1.32
1.47
1.65
1.64
1.70
1.65
1.84
1.76
1.22
1.32%
4.83%
—
9.15
EPS growth%
5.03
4.14
5.79
2.91
4.03
5.29
7.51
5.28
5.49
3.64
6.06
5.29
5.16
50
2.32
Bookvalue per sh€
0.75
0.70
0.75
0.77
0.78
0.81
0.77
0.81
0.87
0.94
2.33
3.83%
2.56%
—
2.38
TBV/sh€
2.00
1.95
2.02
2.30
2.57
2.98
2.98
3.53
3.58
3.82
2.00
8.30%
7.23%
—
1.46
Dividend per sh€
1.09
1.17
1.03
0.88
0.84
0.80
0.86
0.82
0.84
0.75
1.92
(2.11%)
(5.04%)
—
4.93
Div yield (avg)%
22.02
19.11
21.92
22.56
20.04
19.80
21.54
19.96
18.40
21.12
17.79
19.96
20.58
91
13.78
Payout ratio%
9.73
9.58
6.85
8.69
10.25
7.71
6.36
8.41
10.71
7.85
20.03
7.85
8.55
23
19.36
Shares (diluted)M
15.20
16.17
16.54
16.30
15.94
17.00
16.30
13.95
14.44
15.04
19.31
(1.16%)
(0.12%)
82
8.90
Buyback yield%
20.21
17.35
16.35
18.05
17.75
15.01
16.28
14.88
12.43
12.98
17.89
14.88
16.32
64
73.43
Eq/Assets%
60.12
57.75
63.32
70.82
73.21
82.32
79.66
75.01
66.80
62.60
68.82
75.01
68.81
83
51.09
Assets€M
39.81
43.12
44.61
50.08
54.31
56.33
60.85
66.35
73.21
80.68
57.46
8.24%
8.41%
37
63.67
LT debt€M
99.47
116.8
129.3
143.3
137.6
145.0
140.0
136.3
156.6
166.8
39.78
3.93%
6.80%
85
Total assets
€80.68M
8.41%
1.07×
Revenue
€91.58M
7.66%
1.00×
Non-interest expense
€54.06M
7.58%
0.99×
Net interest income
57.18%
Non-interest income
42.82%
Spread over hurdle
72.78%