0.999
Revenue€B
0.748
0.799
0.879
0.975
1.065
1.132
1.247
1.347
1.474
1.589
1.058
8.33%
8.92%
82
28.24
Revenue growth%
17.78
15.68
15.65
13.68
14.00
16.45
18.60
18.62
18.41
17.60
4.34
18.41
17.02
10
8.49
NIM%
20.90
20.37
18.46
16.27
16.17
14.99
16.32
15.84
18.39
18.36
10.77
16.32
17.34
56
3.38
Effic. R.%
33.38
32.06
33.53
35.36
33.20
33.93
35.86
35.73
37.15
39.58
19.40
35.86
34.64
35
17.43
Net margin%
3.15
3.79
4.30
4.33
5.31
7.47
8.71
7.72
5.98
8.59
22.13
7.72
5.65
11
22.54
P/E ratio (avg)x
14.29
13.39
14.08
15.18
15.47
17.67
17.19
18.38
18.40
19.75
26.81
18.38
16.33
79
26.35
P/TBVx
12.09
12.83
14.57
17.01
18.32
17.93
17.17
20.09
22.65
24.98
9.997
20.09
17.55
78
17.19
P/Bx
24.18
25.67
25.97
28.45
27.27
27.72
29.00
28.67
29.95
33.52
15.41
29.00
28.09
48
0.877
NII€B
0.496
0.529
0.570
0.641
0.709
0.739
0.817
0.880
0.956
1.049
0.923
8.13%
8.85%
—
12.89
NII grth%
13.39
13.43
11.40
13.56
12.51
12.72
11.42
10.42
7.62
8.79
13.60
10.42
11.97
9
27.13
ROTE%
4.86
7.55
5.63
4.88
4.71
5.15
7.69
5.38
7.62
5.56
19.50
5.56
5.47
46
29.53
Return on equity%
9.93
11.14
12.07
10.87
9.33
7.75
9.73
8.44
11.25
12.50
29.37
9.73
10.40
66
16.92
Return on assets%
15.43
17.52
17.45
18.60
16.14
15.10
13.94
15.26
17.10
16.44
14.73
15.26
16.29
38
0.53
EPS€
0.56
0.52
0.51
0.50
0.56
0.60
0.70
0.69
0.66
0.64
0.58
2.90%
2.68%
—
28.57
EPS growth%
16.65
14.36
16.93
15.59
14.13
11.97
11.16
8.26
6.58
7.31
19.59
8.26
13.05
53
1.68
Bookvalue per sh€
0.65
0.59
0.65
0.68
0.62
0.67
0.64
0.67
0.75
0.84
1.53
6.22%
3.11%
—
0.93
TBV/sh€
1.02
0.94
0.89
0.95
1.01
1.09
1.17
1.08
0.94
1.01
1.40
(0.06%)
0.76%
—
0.71
Dividend per sh€
3.54
4.11
4.47
5.05
5.16
5.71
5.70
6.22
6.82
7.14
2.14
6.72%
9.03%
—
25.13
Div yield (avg)%
2.63
2.28
0.40
0.40
0.40
3.27
4.33
6.59
7.77
9.09
27.03
6.59
2.95
30
13.77
Payout ratio%
15.23
17.65
19.16
20.10
18.50
18.85
19.25
21.63
19.93
17.79
22.75
19.25
19.00
64
1.222
Shares (diluted)B
1.081
1.125
1.203
1.194
1.292
1.145
1.054
0.900
0.838
0.752
1.265
(10.25%)
(4.30%)
29
25.41
Buyback yield%
4.63
3.88
1.64
0.40
0.40
2.89
1.47
0.40
0.40
0.40
11.65
0.40
0.93
17
124.16
Eq/Assets%
122.34
132.82
158.37
176.92
172.81
168.91
172.72
179.51
200.39
207.63
125.14
179.51
172.77
18
1.740
Assets€B
3.568
3.860
4.062
4.563
5.032
5.412
5.572
6.070
6.736
7.239
0.506
7.55%
7.97%
70
700.6
LT debt€M
329.7
323.3
359.2
357.5
367.7
343.6
381.2
367.2
329.6
353.0
405.2
(0.81%)
0.26%
13
Total assets
€7.239B
7.97%
0.92×
Revenue
€1.589B
8.92%
1.00×
Non-interest expense
€926.5M
8.97%
1.00×
Net interest income
65.99%
Non-interest income
34.01%