159.2
Revenue€M
121.1
131.2
143.0
153.3
163.6
181.7
193.9
206.4
225.8
245.4
173.7
8.44%
8.37%
25
2.87
Revenue growth%
11.42
13.02
12.52
10.24
7.96
5.01
5.68
3.12
3.80
3.57
17.79
3.80
6.82
81
7.74
NIM%
16.39
17.60
16.04
16.22
15.00
14.20
12.44
11.46
8.97
6.00
7.20
11.46
14.60
92
19.66
Effic. R.%
19.01
16.39
18.85
19.46
21.50
19.47
17.36
15.22
16.50
16.68
8.94
16.68
18.10
86
18.36
Net margin%
23.04
23.73
20.95
23.42
21.71
20.10
17.78
15.76
16.50
15.19
3.11
16.50
20.53
68
17.30
P/E ratio (avg)x
10.05
10.89
11.61
11.99
12.21
12.03
12.31
12.21
11.23
10.98
11.31
12.03
11.80
13
24.46
P/TBVx
22.11
21.78
23.32
22.77
24.56
22.53
25.49
26.45
26.46
29.63
35.34
26.45
23.94
39
14.57
P/Bx
22.03
23.65
21.05
21.91
22.69
19.57
21.08
18.14
19.30
17.59
16.97
19.30
21.06
82
81.21
NII€M
81.42
86.43
96.24
101.5
109.2
120.7
129.0
138.9
152.2
162.6
172.0
8.29%
8.30%
—
12.77
NII grth%
26.11
24.90
26.89
25.92
24.36
25.52
24.25
21.32
23.43
24.93
25.77
24.25
24.91
38
8.72
ROTE%
0.80
0.40
3.14
3.19
0.88
0.40
0.40
1.47
4.06
1.34
10.22
1.34
1.11
38
2.98
Return on equity%
22.87
25.82
22.87
21.38
21.70
19.64
20.31
20.87
18.15
19.77
3.53
19.77
21.13
38
20.53
Return on assets%
23.71
26.66
29.18
27.83
25.52
26.41
26.73
28.87
26.60
28.75
9.10
26.73
26.70
55
0.73
EPS€
0.95
0.95
0.90
0.93
0.97
0.99
1.06
1.02
1.06
0.93
0.76
(0.84%)
(0.87%)
—
23.48
EPS growth%
10.97
12.78
11.60
10.86
13.50
11.13
13.98
16.77
15.19
12.44
26.38
13.98
12.61
63
0.54
Bookvalue per sh€
1.38
1.37
1.42
1.28
1.40
1.25
1.19
1.19
1.11
1.02
0.51
(6.07%)
(3.02%)
—
0.91
TBV/sh€
1.22
1.39
1.35
1.24
1.21
1.26
1.31
1.31
1.25
1.15
0.53
(1.04%)
(1.01%)
—
1.24
Dividend per sh€
0.90
0.78
0.77
0.80
0.77
0.73
0.69
0.66
0.57
0.56
0.24
(6.28%)
(4.71%)
—
9.93
Div yield (avg)%
12.10
12.79
14.34
15.15
17.95
20.86
20.82
20.82
18.92
18.50
13.47
20.82
18.22
13
2.12
Payout ratio%
9.28
11.19
12.85
10.37
9.10
6.70
7.18
9.90
10.86
12.42
26.68
9.90
10.14
5
60.04
Shares (diluted)M
87.73
85.87
86.08
99.13
95.18
111.9
115.3
116.7
128.5
130.0
59.58
6.44%
5.67%
70
6.22
Buyback yield%
8.66
7.17
8.47
9.63
8.52
8.85
9.67
8.78
9.09
8.35
25.22
8.85
8.72
39
125.62
Eq/Assets%
30.99
30.73
31.36
29.99
34.06
32.06
32.05
32.23
35.37
38.20
95.95
32.23
32.05
19
219.2
Assets€M
99.15
113.4
118.1
127.5
142.2
159.8
177.2
192.1
212.1
235.1
143.4
10.59%
9.29%
43
69.65
LT debt€M
390.4
379.2
387.4
453.8
536.5
579.4
655.2
697.3
781.4
900.7
141.5
10.92%
10.58%
68
Total assets
€235.1M
9.29%
1.09×
Revenue
€245.4M
8.37%
1.00×
Non-interest expense
€112.8M
8.75%
1.04×
Net interest income
66.26%
Non-interest income
33.74%