2.539
Revenue€B
2.239
2.411
2.504
2.611
2.732
2.845
3.040
3.152
3.326
3.520
2.776
5.20%
5.34%
48
21.43
Revenue growth%
10.62
10.74
11.65
10.48
12.31
15.03
12.95
13.85
11.91
13.00
4.52
13.00
12.11
21
3.48
Combined R.%
89.08
89.14
88.42
89.89
88.66
87.75
89.27
90.97
90.37
89.24
19.36
89.27
89.19
45
26.69
Operating margin%
11.46
14.00
15.74
17.19
18.77
16.71
19.06
20.81
23.20
23.69
22.90
20.81
17.98
73
2.67
Net margin%
5.44
3.20
5.79
3.17
2.01
3.71
0.75
0.40
0.40
2.46
17.98
0.75
2.81
66
24.08
P/E ratio (avg)x
11.31
13.31
12.82
14.93
14.64
14.63
17.19
20.13
22.18
24.53
33.44
20.13
14.79
36
19.00
P/TBVx
24.13
22.70
23.44
26.92
28.21
32.43
32.80
35.09
36.68
36.18
21.71
35.09
30.32
28
19.35
P/Bx
50.72
51.06
56.83
57.17
64.81
60.73
68.51
77.47
80.95
74.71
9.693
74.71
62.77
51
17.94
Prem. grth%
8.85
9.46
8.57
7.70
8.23
10.41
10.42
12.11
10.81
11.00
6.78
10.81
9.93
67
15.90
Invest. yld%
10.30
7.84
6.79
7.01
7.17
6.17
3.24
1.09
0.40
0.40
16.61
1.09
6.48
79
23.32
BVPS grth%
25.82
28.17
27.82
29.02
26.88
26.17
27.29
26.54
27.46
26.14
21.08
26.54
27.09
88
15.88
Return on equity%
29.40
31.02
29.46
31.97
29.37
30.30
28.48
28.67
29.50
28.61
13.22
28.67
29.43
24
3.70
Return on assets%
10.50
12.78
12.51
14.68
15.05
15.53
13.44
15.72
15.30
16.74
22.40
15.53
14.86
93
0.89
EPS€
7.42
8.26
9.43
9.27
10.36
12.16
12.16
13.74
14.06
15.67
0.95
8.63%
8.73%
—
12.06
EPS growth%
20.86
20.06
21.65
22.30
19.92
18.98
17.28
14.84
17.60
17.77
17.98
17.60
19.45
42
1.00
Bookvalue per sh€
7.06
7.23
7.93
8.47
8.27
8.14
8.91
9.73
10.04
11.36
3.03
6.56%
4.92%
—
1.22
TBV/sh€
4.45
3.99
3.65
3.76
3.62
3.95
3.73
3.64
3.29
3.38
5.61
(1.39%)
(2.84%)
—
3.11
Dividend per sh€
1.92
1.70
1.70
1.65
1.57
1.63
1.48
1.34
1.43
1.35
4.53
(2.88%)
(3.99%)
—
5.66
Div yield (avg)%
18.08
20.80
22.05
23.46
22.88
25.64
28.61
27.24
25.57
24.79
8.03
25.64
24.12
90
25.36
Payout ratio%
20.43
18.44
20.97
18.55
16.88
17.66
18.39
15.82
16.71
17.56
3.44
17.56
18.02
78
697.5
Shares (diluted)M
625.2
684.4
699.7
739.3
727.5
789.9
733.1
680.4
691.7
636.7
718.0
(2.63%)
(0.30%)
41
5.55
Buyback yield%
5.75
5.58
5.88
5.74
3.00
0.57
0.40
2.24
0.40
2.17
27.13
0.57
2.62
39
1.636
D/E ratiox
1.111
1.211
1.106
1.097
1.028
0.979
0.960
0.948
1.014
1.106
0.206
0.979
1.062
64
3.560
Assets€B
1.995
2.141
2.376
2.536
2.803
2.955
3.170
3.442
3.675
3.977
0.176
7.25%
8.36%
89
1.782
LT debt€B
2.896
3.144
3.167
3.114
3.429
3.572
3.488
3.885
3.467
3.760
1.931
1.86%
2.56%
71
Revenue
€3.520B
5.34%
1.00×
Claims and benefits
€1.999B
5.50%
1.02×
Total costs
€2.876B
5.43%
1.01×