5.833
Revenue€B
7.746
7.867
7.903
8.153
8.115
8.115
8.081
8.234
8.512
8.486
6.061
0.90%
1.10%
11
9.07
Revenue growth%
15.55
12.72
9.85
8.81
8.58
8.99
7.35
8.32
6.25
4.91
19.10
7.35
8.69
87
19.12
NIM%
31.01
32.82
34.67
33.69
31.45
31.00
31.87
34.56
32.12
29.32
7.49
31.87
32.00
29
29.91
Effic. R.%
19.49
22.17
22.48
23.34
21.55
21.82
20.65
18.41
15.72
18.18
18.85
18.41
21.10
42
3.26
Net margin%
11.86
11.90
12.07
10.71
9.09
11.46
12.16
11.62
13.22
12.43
13.01
12.16
11.88
84
26.34
P/E ratio (avg)x
14.11
15.97
18.00
20.87
24.18
23.70
27.09
26.76
29.09
29.39
24.03
27.09
23.94
36
15.89
P/TBVx
22.34
23.88
26.55
31.39
37.15
41.88
46.98
47.41
49.05
58.17
19.77
47.41
39.51
57
13.31
P/Bx
14.70
17.14
18.91
20.18
19.16
19.84
21.91
21.18
21.89
24.05
21.34
21.89
20.01
87
4.042
NII€B
5.329
5.407
5.378
5.615
5.541
5.565
5.645
5.650
5.864
5.806
3.327
0.94%
0.87%
—
22.80
NII grth%
23.73
20.85
21.51
18.67
17.15
16.25
17.45
19.39
19.34
17.59
26.68
17.59
19.00
68
15.66
ROTE%
0.40
0.46
0.40
0.40
1.59
0.40
0.40
0.82
0.40
1.97
6.74
0.40
0.40
12
8.60
Return on equity%
8.00
10.51
10.73
13.19
14.08
13.67
14.80
12.85
10.98
13.26
15.08
13.26
13.02
46
16.25
Return on assets%
19.78
20.72
19.63
20.19
21.49
23.64
22.28
23.18
24.36
23.36
27.64
23.36
21.88
78
1.69
EPS€
0.86
0.81
0.80
0.77
0.85
0.98
0.93
1.04
1.08
1.25
1.80
8.05%
4.12%
—
10.24
EPS growth%
18.53
18.18
17.63
16.25
16.86
19.43
17.49
17.37
19.85
21.20
5.56
19.43
17.90
87
1.66
Bookvalue per sh€
1.80
2.02
2.09
2.16
2.15
2.51
2.46
2.43
2.39
2.56
1.28
3.60%
4.19%
—
1.32
TBV/sh€
1.63
1.62
1.57
1.66
1.79
1.61
1.64
1.80
1.75
1.55
1.47
(2.83%)
0.13%
—
1.00
Dividend per sh€
1.95
1.98
1.74
1.57
1.64
1.62
1.74
1.91
2.12
2.19
0.53
5.93%
2.19%
—
16.55
Div yield (avg)%
24.66
21.84
22.66
21.98
22.01
20.11
20.11
21.22
18.33
20.16
27.09
20.11
21.53
12
17.20
Payout ratio%
21.15
19.82
17.23
14.44
11.72
10.28
10.67
8.92
7.42
8.65
6.43
8.92
11.20
7
1.524
Shares (diluted)B
1.310
1.400
1.520
1.686
1.569
1.524
1.532
1.584
1.747
1.807
1.484
2.87%
3.31%
77
25.93
Buyback yield%
20.00
21.07
18.26
19.25
21.69
19.58
18.27
21.12
19.69
20.24
20.30
19.69
19.84
31
95.02
Eq/Assets%
161.00
178.55
184.89
195.47
179.75
170.49
179.67
198.65
219.40
204.48
23.16
198.65
182.32
93
5.514
Assets€B
12.11
13.15
14.81
15.79
17.80
19.68
21.77
23.90
26.88
29.59
4.637
10.71%
9.87%
71
5.250
LT debt€B
5.820
7.010
8.528
9.105
9.360
9.868
10.79
11.37
11.71
13.22
7.828
7.16%
9.71%
23
Total assets
€29.59B
9.87%
2.30×
Revenue
€8.486B
1.10%
1.00×
Non-interest expense
€4.561B
0.89%
0.98×
Net interest income
68.41%
Non-interest income
31.59%