17.17
Revenue€M
26.52
28.62
29.62
31.08
32.79
34.38
35.61
38.30
39.93
42.97
18.74
5.56%
5.69%
65
14.85
Revenue growth%
3.49
4.04
2.53
2.10
0.40
0.40
0.40
0.40
1.98
2.60
23.19
0.40
2.04
84
5.49
NIM%
26.29
27.52
26.05
27.81
28.57
27.43
26.19
26.52
25.39
26.20
16.72
26.20
26.41
47
18.85
Effic. R.%
18.59
19.32
20.42
22.58
20.95
19.85
17.00
19.04
17.11
17.25
27.96
17.25
19.18
39
16.84
Net margin%
11.71
8.93
9.75
9.75
9.95
10.29
11.67
11.00
9.62
10.92
8.81
10.92
10.12
71
17.08
P/E ratio (avg)x
28.14
26.66
26.32
24.10
25.20
27.44
28.14
28.96
31.86
33.60
26.21
28.96
27.79
16
24.13
P/TBVx
25.07
24.02
22.95
25.92
24.25
26.98
30.74
33.10
37.72
42.30
10.76
33.10
26.45
34
15.06
P/Bx
33.88
31.02
30.92
29.07
31.55
33.63
32.46
31.66
35.86
39.99
11.13
33.63
32.06
12
32.95
NII€M
17.49
18.72
19.70
20.31
21.47
22.69
23.84
25.69
26.35
28.32
5.784
5.69%
5.79%
—
21.69
NII grth%
8.65
7.00
5.75
6.00
3.29
2.33
0.40
0.40
0.40
0.40
9.00
0.40
2.81
51
8.52
ROTE%
3.55
1.48
4.31
6.91
9.07
7.66
8.38
8.51
10.38
9.23
9.72
8.51
8.02
80
18.31
Return on equity%
30.37
31.52
31.16
32.31
32.78
34.12
34.79
36.59
38.80
36.13
26.73
36.13
33.45
48
18.34
Return on assets%
11.03
13.72
14.40
16.05
17.57
15.48
13.43
11.18
12.53
12.86
21.56
12.86
13.57
21
0.05
EPS€
0.17
0.17
0.17
0.17
0.19
0.21
0.20
0.24
0.24
0.28
0.05
8.28%
4.61%
—
9.92
EPS growth%
7.24
7.91
6.85
6.88
9.12
10.72
9.18
10.56
10.49
13.45
14.06
10.56
9.15
92
0.13
Bookvalue per sh€
0.05
0.06
0.06
0.07
0.08
0.08
0.09
0.10
0.11
0.11
0.05
7.14%
8.44%
—
0.10
TBV/sh€
0.13
0.13
0.15
0.17
0.18
0.20
0.20
0.23
0.26
0.27
0.06
8.17%
7.43%
—
0.08
Dividend per sh€
0.07
0.07
0.07
0.07
0.08
0.09
0.09
0.09
0.09
0.10
0.11
5.27%
4.61%
—
15.05
Div yield (avg)%
25.38
25.41
27.20
28.89
30.44
28.48
29.19
31.48
33.61
34.59
9.31
31.48
29.04
79
11.90
Payout ratio%
3.38
1.54
0.40
3.31
5.04
3.29
3.20
5.81
7.91
9.52
9.65
5.81
3.35
23
81.75
Shares (diluted)M
134.3
138.1
139.8
149.5
152.9
167.5
170.1
184.6
206.5
234.6
81.60
8.93%
6.16%
50
8.14
Buyback yield%
0.40
0.40
0.40
3.05
4.22
3.50
5.05
6.05
5.18
7.31
4.90
5.18
3.86
79
169.73
Eq/Assets%
101.00
111.20
109.51
115.34
128.43
138.49
129.20
116.96
123.60
113.59
112.32
123.60
116.15
89
32.93
Assets€M
139.6
147.7
160.8
179.7
198.8
214.6
229.2
255.2
265.7
299.7
11.98
8.56%
8.82%
29
33.31
LT debt€M
16.71
15.86
14.21
14.04
13.52
14.53
13.41
14.81
14.17
14.79
31.17
1.81%
(1.79%)
20
Total assets
€299.7M
8.82%
1.34×
Revenue
€42.97M
5.69%
1.00×
Non-interest expense
€24.53M
5.99%
1.03×
Net interest income
65.90%
Non-interest income
34.10%