17.71
Revenue€M
15.84
15.85
15.93
16.18
16.93
17.07
17.83
18.38
18.90
19.11
19.35
2.45%
1.88%
60
15.08
Revenue growth%
8.24
5.73
2.76
1.89
2.38
1.13
0.40
2.42
0.40
2.31
26.16
1.13
2.35
13
26.61
NIM%
22.36
21.21
22.66
23.79
25.31
24.10
21.72
21.24
22.08
24.85
5.00
22.08
22.51
88
27.69
Effic. R.%
14.04
16.14
14.75
12.27
10.76
9.88
7.44
6.14
4.20
4.52
16.65
6.14
10.32
23
22.64
Net margin%
28.57
29.52
30.39
33.19
36.17
37.76
38.56
37.81
34.87
37.49
22.14
37.76
35.52
69
28.71
P/E ratio (avg)x
20.57
21.72
22.55
19.40
20.15
21.29
21.45
20.70
21.38
22.66
27.07
21.38
21.33
29
17.15
P/TBVx
14.66
17.39
17.10
19.80
20.98
21.46
25.18
28.52
32.77
39.54
14.22
28.52
21.22
23
7.468
P/Bx
57.35
60.71
64.68
59.97
66.28
63.11
65.79
66.32
69.95
74.22
7.354
66.32
65.23
10
8.064
NII€M
10.11
10.02
9.911
10.20
10.59
10.62
11.17
11.71
12.04
12.07
2.493
2.66%
1.94%
—
3.06
NII grth%
23.91
26.29
24.75
22.10
24.51
25.61
27.71
30.52
31.13
30.64
17.16
30.52
25.95
45
24.06
ROTE%
2.48
2.01
4.24
5.01
4.24
2.60
3.38
2.33
1.02
2.45
7.00
2.45
2.54
7
19.32
Return on equity%
24.26
22.18
21.73
19.49
18.92
21.88
21.03
20.25
19.66
17.63
9.89
20.25
20.64
62
26.32
Return on assets%
21.35
19.24
17.11
19.17
18.79
16.32
15.75
16.10
13.84
15.48
25.02
15.75
16.72
75
0.29
EPS€
0.31
0.28
0.31
0.31
0.28
0.28
0.24
0.27
0.28
0.28
0.30
(0.42%)
(0.40%)
—
20.28
EPS growth%
9.01
10.49
11.84
10.14
10.79
9.23
12.09
14.68
16.28
13.36
14.15
13.36
11.32
17
0.24
Bookvalue per sh€
0.46
0.45
0.48
0.49
0.49
0.48
0.49
0.51
0.51
0.48
0.09
(0.35%)
0.39%
—
0.23
TBV/sh€
0.38
0.41
0.39
0.35
0.36
0.37
0.38
0.34
0.34
0.32
0.12
(2.88%)
(1.89%)
—
0.24
Dividend per sh€
0.04
0.04
0.03
0.04
0.04
0.04
0.04
0.03
0.03
0.03
0.11
(5.96%)
(3.85%)
—
24.78
Div yield (avg)%
25.25
26.27
28.75
28.92
31.45
33.68
36.32
39.28
40.96
43.91
14.19
39.28
32.57
31
15.84
Payout ratio%
14.30
16.03
15.18
13.48
15.69
17.43
15.47
14.20
14.15
14.81
4.36
14.81
15.00
94
64.54
Shares (diluted)M
65.11
65.87
64.89
56.99
59.91
56.31
59.11
53.12
46.17
48.02
65.13
(4.33%)
(2.35%)
11
20.43
Buyback yield%
0.40
0.40
0.40
0.40
2.12
0.40
2.12
1.13
0.40
0.40
23.00
0.40
0.40
42
160.73
Eq/Assets%
13.05
13.24
13.84
14.88
16.54
16.46
15.47
17.53
19.66
18.43
99.59
17.53
15.96
88
20.67
Assets€M
11.63
12.78
14.45
15.83
16.95
18.57
19.82
21.20
23.74
26.23
21.18
9.12%
8.97%
58
19.88
LT debt€M
20.86
22.28
22.92
21.53
21.10
20.93
22.03
21.50
21.24
20.26
12.87
(0.81%)
(1.43%)
80
Total assets
€26.23M
8.97%
1.96×
Revenue
€19.11M
1.88%
1.00×
Non-interest expense
€9.767M
1.76%
0.99×
Net interest income
63.18%
Non-interest income
36.82%
Spread over hurdle
83.60%