2.372
Revenue€B
2.017
2.105
2.158
2.200
2.266
2.335
2.408
2.448
2.478
2.594
2.639
2.74%
2.98%
37
6.57
Revenue growth%
15.13
14.45
17.18
16.70
17.53
17.13
17.00
17.88
19.10
16.42
29.37
17.13
17.07
79
8.45
NIM%
0.40
2.54
4.52
6.69
9.38
9.63
8.84
8.81
8.20
8.25
23.25
8.81
8.23
18
12.67
Effic. R.%
14.95
13.68
11.59
9.45
9.55
12.50
9.98
12.31
12.73
9.81
4.33
12.31
11.95
33
17.83
Net margin%
20.54
18.47
19.98
20.32
19.24
20.39
19.33
21.78
23.56
20.73
5.14
20.73
20.35
62
34.11
P/E ratio (avg)x
10.44
9.245
10.10
8.953
8.155
7.546
7.638
6.941
7.519
8.101
33.08
7.546
8.128
69
13.37
P/TBVx
14.42
13.68
12.63
11.71
11.16
12.00
11.92
12.76
11.82
11.05
15.76
11.92
11.96
90
29.32
P/Bx
46.24
50.03
56.94
65.58
72.09
84.98
93.64
106.4
107.9
116.4
33.71
106.4
78.53
15
0.895
NII€B
1.403
1.469
1.540
1.559
1.599
1.622
1.690
1.748
1.757
1.814
1.841
2.55%
2.98%
—
5.39
NII grth%
16.20
15.34
15.27
17.40
18.23
17.91
18.99
19.47
20.67
22.97
2.14
19.47
18.07
18
8.17
ROTE%
19.80
18.54
20.22
22.33
20.77
17.77
14.99
13.17
12.80
13.30
27.71
13.30
18.16
14
4.26
Return on equity%
25.85
26.24
26.02
29.02
28.41
27.89
30.62
29.61
30.47
30.39
22.63
30.39
28.71
50
14.49
Return on assets%
12.78
11.82
11.60
10.80
13.66
12.10
12.07
10.55
11.60
11.93
5.02
11.93
11.87
74
2.15
EPS€
1.37
1.44
1.42
1.24
1.14
1.04
1.03
0.93
0.98
1.03
2.28
(2.14%)
(3.70%)
—
28.41
EPS growth%
17.74
14.97
15.85
13.59
14.17
11.90
9.37
9.30
10.29
9.41
3.06
9.41
12.75
73
2.47
Bookvalue per sh€
1.27
1.48
1.55
1.60
1.60
1.87
2.26
2.61
3.09
3.33
0.84
15.79%
9.93%
—
2.09
TBV/sh€
2.99
3.44
3.93
3.74
3.61
3.64
3.82
3.78
3.97
4.45
0.94
4.29%
3.41%
—
1.19
Dividend per sh€
1.81
1.67
1.81
1.68
1.74
1.80
1.69
1.62
1.66
1.83
1.90
0.96%
0.12%
—
25.90
Div yield (avg)%
13.00
14.50
11.85
10.38
13.12
10.31
13.24
13.59
14.96
17.09
6.12
13.59
13.18
37
3.72
Payout ratio%
9.11
6.36
7.26
5.64
6.04
8.88
9.80
8.31
9.60
7.79
18.24
8.88
8.05
72
0.626
Shares (diluted)B
0.735
0.745
0.714
0.750
0.720
0.811
0.922
1.028
1.147
1.093
0.600
8.71%
3.57%
46
25.47
Buyback yield%
15.14
13.16
13.74
14.38
16.47
19.32
19.82
18.06
19.35
16.53
20.50
19.32
16.50
65
85.95
Eq/Assets%
134.13
141.09
142.05
149.22
164.47
154.38
177.38
169.42
195.96
195.66
47.70
177.38
159.42
30
2.152
Assets€B
6.397
7.015
7.479
8.042
8.670
9.419
10.41
11.38
12.23
13.60
0.892
9.42%
8.64%
84
2.061
LT debt€B
2.159
2.528
2.938
3.215
3.263
3.249
3.747
4.421
4.555
5.057
0.187
9.16%
10.60%
11
Total assets
€13.60B
8.64%
1.71×
Revenue
€2.594B
2.98%
1.00×
Non-interest expense
€1.269B
2.85%
0.99×
Net interest income
69.94%
Non-interest income
30.06%