1.190
Revenue€B
2.612
2.807
3.050
3.283
3.489
3.722
4.045
4.386
4.697
5.043
1.299
7.65%
7.49%
18
2.44
Revenue growth%
13.04
13.07
15.11
13.37
15.35
14.07
12.46
9.65
11.56
14.47
19.82
12.46
13.22
21
12.73
NIM%
7.02
5.70
3.45
5.70
6.28
6.94
5.23
4.06
6.06
5.87
24.31
5.87
5.79
60
3.22
Effic. R.%
22.29
24.05
22.02
22.21
23.94
22.69
20.80
23.57
20.83
21.23
10.26
21.23
22.25
49
20.59
Net margin%
25.61
26.92
29.36
29.72
28.99
27.65
26.12
28.91
28.64
30.14
6.78
28.64
28.78
64
31.21
P/E ratio (avg)x
20.86
17.75
17.80
19.22
20.65
19.55
20.68
18.87
18.74
18.91
22.56
18.91
19.07
6
34.25
P/TBVx
37.26
36.79
36.12
42.24
51.29
52.56
60.61
61.60
65.24
71.57
37.26
61.60
51.92
35
35.45
P/Bx
20.64
22.24
23.76
24.64
22.35
20.38
20.70
20.49
22.81
21.21
22.82
20.70
21.73
44
2.464
NII€B
1.588
1.708
1.812
1.978
2.081
2.227
2.421
2.607
2.785
3.027
1.856
7.79%
7.54%
—
26.03
NII grth%
18.16
20.74
22.57
20.32
17.44
15.17
17.85
18.80
20.32
18.65
28.63
18.65
18.72
55
14.94
ROTE%
16.88
14.44
12.25
14.97
12.43
9.48
12.08
12.82
10.50
12.94
14.52
12.08
12.63
77
19.50
Return on equity%
23.82
23.71
24.88
22.78
22.87
21.15
19.94
17.64
19.98
22.00
27.48
19.98
22.39
45
25.50
Return on assets%
18.25
17.37
19.05
20.95
22.62
25.60
24.44
23.20
23.49
20.59
23.23
23.49
21.78
30
2.63
EPS€
2.32
2.41
2.40
2.22
2.17
2.14
2.25
2.34
2.16
2.03
2.89
(1.32%)
(1.50%)
—
13.81
EPS growth%
10.83
9.09
12.05
12.98
12.79
11.94
11.84
9.82
8.37
5.86
26.08
9.82
11.33
20
3.31
Bookvalue per sh€
4.77
5.32
5.36
5.46
6.60
6.76
7.58
8.58
9.12
10.67
1.77
10.06%
8.83%
—
3.11
TBV/sh€
4.16
4.29
3.88
3.64
3.68
3.92
3.32
3.37
3.09
2.94
1.64
(4.41%)
(3.40%)
—
2.78
Dividend per sh€
6.09
6.23
6.12
5.60
5.89
6.20
6.40
7.25
7.12
8.07
4.81
6.51%
3.15%
—
12.24
Div yield (avg)%
13.33
14.55
15.64
16.75
13.99
13.12
12.24
13.37
13.34
15.63
13.17
13.34
13.68
68
17.27
Payout ratio%
16.21
15.25
12.76
10.07
7.20
9.54
8.71
9.29
11.80
13.03
11.74
9.54
10.93
6
0.822
Shares (diluted)B
0.941
0.930
0.948
1.078
1.081
1.062
1.080
1.135
1.144
1.136
0.812
1.00%
1.07%
70
8.11
Buyback yield%
5.74
5.72
3.33
4.31
3.46
4.64
5.89
8.62
7.05
7.41
26.52
7.05
5.73
82
49.09
Eq/Assets%
103.14
103.71
106.78
107.88
109.55
103.90
109.45
113.07
111.14
100.45
17.11
109.45
107.33
42
2.488
Assets€B
10.91
11.87
13.15
14.03
15.59
16.91
18.41
20.50
21.45
23.54
2.552
8.59%
8.52%
41
3.323
LT debt€B
0.185
0.191
0.210
0.185
0.202
0.178
0.174
0.179
0.165
0.173
3.560
(3.05%)
(0.39%)
21
Total assets
€23.54B
8.52%
1.10×
Revenue
€5.043B
7.49%
1.00×
Non-interest expense
€2.756B
7.51%
1.00×
Net interest income
60.03%
Non-interest income
39.97%
Spread over hurdle
10.34%