0.344
Revenue€B
0.920
0.967
1.026
1.044
1.064
1.092
1.133
1.154
1.207
1.260
0.377
3.44%
3.77%
61
19.38
Revenue growth%
17.41
17.16
19.12
20.34
20.70
18.96
17.42
17.89
19.95
22.29
4.70
18.96
19.04
11
22.16
NIM%
18.91
20.74
21.40
22.91
25.36
26.65
27.54
29.24
29.72
31.00
25.06
29.24
26.00
88
17.79
Effic. R.%
3.91
5.04
7.60
8.41
9.45
7.35
8.34
6.57
7.16
7.93
8.86
7.35
7.48
42
28.69
Net margin%
10.20
9.67
10.98
11.25
10.83
11.60
12.48
13.10
15.14
18.01
9.31
13.10
11.43
88
11.70
P/E ratio (avg)x
33.81
36.22
38.86
42.39
41.77
45.04
41.52
39.18
37.32
37.84
25.24
39.18
39.02
60
11.02
P/TBVx
24.03
26.49
28.41
25.46
25.20
27.01
25.22
26.25
26.20
26.43
26.81
26.25
26.22
76
17.52
P/Bx
18.48
17.81
16.11
17.72
19.64
21.34
20.07
21.38
23.18
21.54
6.273
21.38
19.86
45
412.8
NII€M
723.1
759.0
801.6
821.0
846.4
863.4
884.2
904.2
955.8
996.8
669.0
3.32%
3.75%
—
26.83
NII grth%
4.66
1.90
0.47
2.90
2.18
0.64
2.11
0.40
0.40
1.51
10.10
0.64
1.70
17
18.28
ROTE%
6.94
9.05
6.85
8.65
8.41
10.77
9.20
10.24
12.04
14.79
23.87
10.77
9.12
90
4.78
Return on equity%
14.10
14.14
15.84
17.66
20.38
17.71
15.16
17.93
19.13
17.95
9.31
17.93
17.68
36
21.72
Return on assets%
15.37
16.48
13.60
11.48
14.07
12.49
11.52
10.17
8.63
6.01
3.77
10.17
12.00
92
1.24
EPS€
2.56
2.72
2.92
2.92
3.31
3.17
3.40
3.28
3.71
4.28
1.39
5.24%
5.52%
—
8.47
EPS growth%
25.71
25.40
23.58
26.22
28.42
26.94
27.57
29.52
31.13
31.57
17.25
29.52
27.25
49
3.09
Bookvalue per sh€
1.73
1.59
1.38
1.48
1.47
1.31
1.35
1.47
1.41
1.26
1.59
(3.00%)
(2.37%)
—
1.20
TBV/sh€
2.67
2.82
2.86
3.38
3.82
4.36
4.26
4.22
4.77
5.31
2.70
6.82%
7.18%
—
2.45
Dividend per sh€
0.74
0.77
0.75
0.75
0.71
0.77
0.81
0.73
0.67
0.74
2.95
0.71%
0.73%
—
13.33
Div yield (avg)%
25.04
27.46
27.19
28.01
29.16
27.69
25.28
24.72
21.72
19.24
22.00
24.72
26.23
25
26.14
Payout ratio%
27.30
28.31
28.71
26.33
25.92
25.52
26.36
27.20
29.43
29.95
26.00
27.20
27.25
69
330.8
Shares (diluted)M
393.9
427.7
469.4
550.4
546.0
592.8
662.7
665.3
780.1
830.2
340.7
8.74%
8.77%
21
22.91
Buyback yield%
16.64
15.26
12.28
12.66
9.89
10.73
8.41
9.67
12.10
11.09
4.26
10.73
11.60
20
145.11
Eq/Assets%
147.57
158.60
164.43
151.03
132.12
119.11
120.58
125.38
121.12
113.01
54.71
120.58
128.75
79
0.829
Assets€B
3.103
3.295
3.366
3.837
4.205
4.370
4.583
5.048
5.430
6.027
1.081
7.46%
8.31%
54
212.0
LT debt€M
217.0
226.6
193.2
184.2
172.9
155.4
145.1
148.2
140.2
124.4
427.8
(6.37%)
(6.37%)
26
Total assets
€6.027B
8.31%
1.53×
Revenue
€1.260B
3.77%
1.00×
Non-interest expense
€686.0M
3.72%
0.99×
Net interest income
79.09%
Non-interest income
20.91%
Spread over hurdle
13.89%