3.634
Revenue€B
1.769
1.859
1.944
2.123
2.282
2.397
2.581
2.756
2.900
3.094
4.004
6.28%
6.56%
51
5.88
Revenue growth%
9.39
7.64
10.05
11.29
9.83
9.59
7.83
5.42
8.28
10.43
17.54
8.28
9.49
17
25.23
NIM%
2.36
0.40
1.94
3.36
5.87
5.84
4.12
3.05
1.48
0.40
8.21
3.05
2.70
69
3.82
Effic. R.%
12.26
11.86
9.90
8.79
11.07
10.88
11.99
11.64
11.02
10.13
15.73
11.02
11.04
22
28.81
Net margin%
20.86
19.55
18.68
18.27
15.54
16.04
15.16
14.88
16.73
16.91
13.51
16.04
16.82
33
15.73
P/E ratio (avg)x
19.00
19.68
20.11
20.88
21.04
21.40
21.26
22.06
24.61
24.43
30.86
22.06
21.15
8
35.89
P/TBVx
28.77
29.74
32.35
29.00
27.15
27.87
30.24
29.51
30.86
30.35
13.52
30.24
29.62
37
24.25
P/Bx
19.24
20.76
20.58
18.11
19.64
18.63
18.78
19.46
18.20
18.66
12.12
18.66
19.01
64
0.502
NII€B
1.258
1.325
1.381
1.505
1.619
1.708
1.805
1.918
2.013
2.174
1.780
6.08%
6.64%
—
3.63
NII grth%
22.33
19.38
21.38
24.08
24.76
23.00
24.40
23.59
24.77
25.28
23.44
24.40
23.83
52
18.05
ROTE%
7.59
8.99
10.68
11.71
10.92
12.19
11.92
12.17
14.46
16.01
16.23
12.19
11.81
8
28.43
Return on equity%
5.61
7.66
7.63
7.43
6.64
4.98
3.47
6.36
8.81
7.48
27.19
6.36
7.03
69
2.10
Return on assets%
5.81
6.57
6.59
5.91
6.98
5.83
4.17
2.29
2.61
4.45
27.28
4.17
5.82
35
0.40
EPS€
0.56
0.57
0.53
0.50
0.49
0.50
0.53
0.56
0.52
0.49
0.42
0.29%
(1.47%)
—
2.21
EPS growth%
4.21
1.69
0.40
3.12
1.12
1.14
0.40
1.89
0.40
0.40
5.85
0.40
1.13
36
0.53
Bookvalue per sh€
1.67
1.55
1.55
1.55
1.76
1.92
2.04
1.89
1.93
2.22
1.50
4.78%
3.90%
—
2.22
TBV/sh€
0.53
0.49
0.54
0.56
0.57
0.52
0.57
0.52
0.48
0.47
1.87
(3.83%)
(1.49%)
—
2.32
Dividend per sh€
2.74
2.52
2.82
3.07
2.94
2.68
2.50
2.66
2.40
2.27
1.13
(5.08%)
(1.13%)
—
6.05
Div yield (avg)%
21.04
18.18
16.62
18.33
19.19
21.25
21.27
22.51
20.63
19.37
12.81
21.25
20.00
59
3.56
Payout ratio%
7.88
9.07
6.46
7.69
10.40
10.52
8.43
5.92
4.53
4.06
7.24
5.92
7.78
27
0.759
Shares (diluted)B
0.813
0.820
0.869
0.926
1.105
1.327
1.531
1.521
1.756
1.959
0.735
12.13%
9.27%
91
10.65
Buyback yield%
25.26
23.45
21.53
23.22
22.94
25.39
25.23
25.30
23.30
24.45
4.53
25.23
23.95
64
96.09
Eq/Assets%
137.59
134.55
119.65
127.63
136.42
122.64
118.50
107.78
106.48
93.33
87.58
107.78
121.14
26
0.255
Assets€B
3.797
4.210
4.538
4.923
5.453
5.881
6.402
7.249
7.500
7.826
0.177
7.49%
7.94%
8
0.693
LT debt€B
2.485
2.647
2.330
2.040
1.989
2.055
2.205
2.171
2.091
1.810
2.659
(1.86%)
(2.91%)
64
Total assets
€7.826B
7.94%
1.14×
Revenue
€3.094B
6.56%
1.00×
Non-interest expense
€1.603B
6.31%
0.98×
Net interest income
70.28%
Non-interest income
29.72%