0.563
Revenue€B
1.057
1.057
1.039
1.051
1.035
1.017
1.050
1.036
1.018
1.038
0.597
0.06%
0.06%
76
28.78
Revenue growth%
8.71
7.70
7.99
8.24
9.63
11.02
11.22
11.38
14.36
11.47
3.50
11.38
10.33
21
22.67
NIM%
24.75
24.17
24.73
22.17
23.77
26.15
27.01
27.21
24.80
21.91
11.87
26.15
24.74
48
11.82
Effic. R.%
26.08
27.96
30.25
31.02
30.58
29.73
27.80
27.99
28.73
30.07
26.84
28.73
29.23
41
26.41
Net margin%
2.37
3.62
2.35
1.25
1.78
1.09
0.40
0.40
0.40
1.05
3.28
0.40
1.17
88
33.15
P/E ratio (avg)x
52.52
59.87
62.56
74.69
87.84
88.06
100.1
101.1
101.6
104.0
14.39
101.1
87.95
82
15.77
P/TBVx
31.06
29.90
31.45
35.23
31.31
28.52
26.83
27.81
28.21
31.11
7.365
28.21
30.48
73
16.02
P/Bx
13.91
14.15
14.01
15.17
15.73
18.21
20.47
24.14
22.81
24.13
15.30
22.81
16.97
48
372.5
NII€M
589.7
592.4
568.5
584.1
566.9
557.1
578.6
567.9
561.9
574.6
225.9
0.27%
(0.02%)
—
16.73
NII grth%
5.17
3.10
1.22
1.98
1.26
0.40
2.39
3.30
5.94
6.93
22.27
3.30
2.74
34
20.34
ROTE%
23.33
22.96
25.72
23.35
24.55
24.92
27.26
24.91
26.35
23.41
16.14
24.92
24.73
93
4.55
Return on equity%
16.47
14.79
11.91
13.72
13.23
11.46
12.12
9.54
11.41
12.74
29.60
11.46
12.43
76
4.50
Return on assets%
24.78
24.21
26.79
25.37
24.90
23.07
24.90
25.95
27.18
29.31
3.16
25.95
25.13
17
6.71
EPS€
3.78
3.97
4.14
4.57
4.85
5.18
5.10
4.44
4.57
3.98
6.86
(3.90%)
(0.01%)
—
8.72
EPS growth%
21.52
21.66
21.42
21.94
23.00
25.13
27.86
28.81
27.59
30.31
14.45
27.86
24.07
83
7.45
Bookvalue per sh€
8.15
8.97
10.43
11.33
11.86
13.51
15.37
17.26
19.94
22.95
10.17
14.12%
11.72%
—
5.33
TBV/sh€
4.04
4.12
3.55
3.17
3.29
3.03
2.61
2.49
2.35
2.42
8.52
(5.94%)
(6.07%)
—
2.77
Dividend per sh€
11.61
11.00
12.47
13.83
15.04
17.15
17.82
20.69
21.55
22.95
1.45
8.82%
8.47%
—
26.07
Div yield (avg)%
5.06
3.62
5.59
3.76
2.09
3.82
1.07
0.40
1.73
0.42
7.27
1.07
2.85
6
27.89
Payout ratio%
22.75
25.59
28.33
31.26
30.33
27.56
25.74
26.88
26.98
27.78
14.84
26.98
27.27
42
116.5
Shares (diluted)M
130.5
122.8
131.7
127.7
117.7
119.6
136.3
156.8
147.4
158.7
111.2
6.15%
1.94%
83
29.19
Buyback yield%
19.78
20.19
22.82
24.80
22.52
20.38
21.46
20.44
17.92
16.79
5.22
20.38
20.41
52
116.82
Eq/Assets%
40.42
40.18
40.61
42.68
41.41
44.92
49.40
48.26
44.45
46.80
72.52
46.80
43.57
93
0.990
Assets€B
0.764
0.854
0.919
0.997
1.096
1.201
1.253
1.358
1.491
1.646
0.307
8.48%
9.06%
87
1.101
LT debt€B
1.619
1.697
1.844
1.848
2.072
2.400
2.468
2.752
2.794
3.201
1.057
9.09%
8.43%
94
Total assets
€1.646B
9.06%
2.37×
Revenue
€1.038B
0.06%
1.00×
Non-interest expense
€495.0M
(0.08%)
0.99×
Net interest income
55.34%
Non-interest income
44.66%