3.348
Revenue€B
7.033
6.949
6.896
7.054
7.121
7.051
7.086
7.093
7.302
7.347
3.560
0.63%
0.69%
36
13.05
Revenue growth%
24.91
23.21
25.43
23.93
21.29
22.06
23.78
25.59
25.97
26.42
14.80
25.59
24.42
18
21.19
NIM%
8.97
11.17
10.80
8.90
6.52
3.68
1.60
0.53
2.83
5.13
20.80
2.83
5.83
83
22.51
Effic. R.%
9.89
9.85
7.76
7.84
6.36
8.37
6.85
9.37
8.87
11.08
29.32
8.87
8.62
39
25.22
Net margin%
8.25
6.52
4.47
5.83
2.89
2.10
0.40
0.40
1.25
0.91
10.54
0.91
2.49
95
12.39
P/E ratio (avg)x
25.16
25.28
29.84
32.69
38.15
41.71
46.37
52.22
52.28
53.32
8.977
52.22
39.93
47
27.10
P/TBVx
23.31
23.60
26.77
25.83
25.20
28.61
33.78
36.28
42.50
47.38
15.64
36.28
27.69
72
8.521
P/Bx
28.72
31.27
34.82
32.99
34.44
32.11
30.57
30.09
28.70
27.09
35.15
30.09
30.92
64
4.462
NII€B
5.457
5.449
5.371
5.502
5.512
5.468
5.489
5.494
5.645
5.721
4.788
0.75%
0.73%
—
25.28
NII grth%
33.39
35.26
35.58
33.08
32.53
33.55
33.96
35.31
36.41
37.37
12.14
35.31
34.61
71
10.88
ROTE%
14.66
13.98
15.04
16.37
17.84
18.05
15.31
16.15
16.47
15.04
3.09
16.15
15.73
53
15.85
Return on equity%
21.97
23.78
22.27
20.85
18.49
17.81
19.17
20.22
18.99
20.30
21.22
19.17
20.26
42
15.26
Return on assets%
22.96
21.67
21.71
23.81
23.65
26.20
28.91
27.00
25.32
26.58
19.68
26.58
24.57
41
1.97
EPS€
1.96
2.36
2.48
2.88
2.92
2.90
3.39
3.84
3.84
4.20
2.15
7.52%
7.89%
—
16.99
EPS growth%
5.70
6.34
7.45
8.86
9.20
11.02
14.01
13.79
12.53
15.26
6.86
13.79
10.11
7
0.50
Bookvalue per sh€
1.02
1.15
1.21
1.18
1.13
1.12
1.16
1.09
1.03
1.00
1.54
(2.45%)
0.28%
—
0.94
TBV/sh€
0.53
0.52
0.54
0.55
0.53
0.62
0.66
0.67
0.77
0.75
0.70
7.02%
4.70%
—
0.53
Dividend per sh€
2.31
2.43
2.60
2.94
3.58
3.75
4.44
5.13
5.62
6.47
2.07
12.61%
12.46%
—
19.18
Div yield (avg)%
2.57
3.64
4.51
5.75
8.53
7.39
8.08
8.34
11.01
11.10
21.20
8.34
7.73
53
15.37
Payout ratio%
18.53
19.49
19.19
17.77
17.51
16.65
13.89
14.44
12.65
13.08
8.96
13.89
17.08
61
2.044
Shares (diluted)B
1.721
1.658
1.727
1.842
1.696
1.679
1.675
1.566
1.701
1.743
2.138
0.55%
0.11%
59
19.85
Buyback yield%
24.86
22.04
19.27
19.29
22.12
21.53
22.68
23.73
21.44
24.27
3.42
22.68
22.08
61
137.27
Eq/Assets%
83.63
94.04
110.43
124.16
127.12
149.73
166.12
185.17
179.22
203.35
112.14
179.22
138.43
19
2.419
Assets€B
6.191
6.785
7.405
7.872
8.962
9.617
10.23
10.94
12.15
12.88
0.586
7.52%
8.51%
37
5.415
LT debt€B
1.571
1.588
1.543
1.692
1.628
1.866
1.884
1.963
2.315
2.491
4.845
8.89%
4.89%
8
Total assets
€12.88B
8.51%
2.11×
Revenue
€7.347B
0.69%
1.00×
Non-interest expense
€3.957B
0.83%
1.01×
Net interest income
77.87%
Non-interest income
22.13%