2.366
Revenue€B
1.539
1.601
1.654
1.774
1.898
1.998
2.124
2.246
2.426
2.611
2.603
6.59%
6.15%
51
23.26
Revenue growth%
37.34
39.16
40.27
40.35
38.04
37.66
34.95
34.33
34.21
37.19
9.27
34.95
37.50
73
13.02
NIM%
17.58
15.71
14.52
16.96
15.02
17.41
16.23
16.12
14.03
16.40
14.75
16.23
16.18
78
20.74
Effic. R.%
17.60
15.84
12.85
14.26
12.93
10.46
9.57
7.37
5.25
3.75
18.73
7.37
11.65
83
9.22
Net margin%
6.88
7.41
4.82
7.47
7.05
9.08
7.77
4.98
5.38
3.76
20.31
5.38
6.97
23
20.30
P/E ratio (avg)x
13.07
13.98
13.46
12.93
11.91
13.57
12.42
13.43
13.16
14.32
36.83
13.43
13.29
8
26.57
P/TBVx
8.592
8.649
9.483
10.16
10.09
8.986
8.284
9.091
9.222
7.948
25.04
8.986
9.039
91
14.99
P/Bx
18.26
16.93
16.64
15.16
16.85
15.38
17.00
15.34
14.64
13.01
18.59
15.34
16.01
75
3.270
NII€B
1.199
1.231
1.269
1.357
1.449
1.548
1.650
1.720
1.860
2.037
0.435
7.06%
6.29%
—
11.05
NII grth%
5.13
4.45
3.97
2.96
3.66
1.05
3.28
5.25
2.46
5.28
26.20
3.28
3.82
30
19.17
ROTE%
5.01
4.90
4.33
5.01
2.28
3.93
2.37
1.33
0.66
0.40
5.91
1.33
3.15
54
14.67
Return on equity%
19.74
20.66
17.72
20.42
19.81
18.18
17.24
18.36
20.57
19.24
20.97
18.36
19.49
10
28.53
Return on assets%
13.31
13.61
13.94
11.96
9.71
11.65
11.11
9.56
10.70
10.51
2.16
10.70
11.38
73
1.72
EPS€
0.56
0.60
0.59
0.57
0.63
0.70
0.68
0.76
0.72
0.76
1.85
3.97%
3.07%
—
21.27
EPS growth%
26.72
26.41
28.09
27.19
24.33
26.73
24.52
23.62
22.41
24.24
23.96
24.24
25.47
14
0.61
Bookvalue per sh€
0.48
0.51
0.50
0.57
0.66
0.67
0.68
0.77
0.86
1.02
0.80
9.15%
7.61%
—
1.33
TBV/sh€
2.28
2.42
2.61
2.61
2.89
3.33
3.65
4.17
4.87
5.39
1.32
13.26%
9.04%
—
0.58
Dividend per sh€
0.43
0.43
0.45
0.45
0.41
0.40
0.35
0.34
0.31
0.33
1.51
(4.17%)
(3.01%)
—
6.33
Div yield (avg)%
23.47
25.25
24.53
23.06
21.22
18.69
18.61
19.82
21.46
18.89
5.59
18.89
21.34
41
5.86
Payout ratio%
23.98
23.46
22.76
22.58
22.31
24.42
22.69
20.93
23.12
22.62
3.98
22.69
22.73
54
0.877
Shares (diluted)B
1.275
1.364
1.510
1.573
1.823
1.822
1.749
1.921
2.260
2.289
0.886
4.66%
6.77%
51
7.50
Buyback yield%
21.14
18.16
19.05
16.51
15.53
17.10
14.69
16.96
16.85
16.35
25.50
16.85
16.91
11
170.68
Eq/Assets%
14.74
14.98
16.13
15.61
16.70
14.74
13.55
12.65
12.85
13.94
53.72
13.55
14.74
74
0.897
Assets€B
0.693
0.749
0.817
0.902
0.965
0.999
1.126
1.217
1.351
1.408
2.896
7.86%
8.25%
11
3.055
LT debt€B
0.898
0.891
0.896
0.979
0.958
1.024
1.157
1.341
1.418
1.505
0.253
9.46%
5.38%
90
Total assets
€1.408B
8.25%
1.22×
Revenue
€2.611B
6.15%
1.00×
Non-interest expense
€1.448B
6.13%
1.00×
Net interest income
78.03%
Non-interest income
21.97%
Return on capital
133.53%