3.821
Revenue€B
3.912
4.030
4.196
4.313
4.497
4.672
4.759
4.956
5.034
5.201
4.090
2.95%
3.15%
17
12.12
Revenue growth%
19.09
17.74
20.47
19.06
20.86
21.94
20.52
19.71
18.85
20.34
14.41
20.34
20.03
34
28.22
NIM%
27.48
26.03
27.46
29.41
31.26
28.46
26.26
26.85
28.69
30.36
25.72
28.46
27.97
74
6.83
Effic. R.%
25.73
27.00
29.47
27.47
25.11
28.04
27.68
24.71
22.99
23.99
27.23
24.71
26.37
29
27.01
Net margin%
7.12
6.54
5.54
4.39
6.07
6.84
4.81
6.04
8.38
8.34
13.50
6.84
6.30
55
28.81
P/E ratio (avg)x
5.330
4.583
3.972
3.487
3.043
2.985
2.788
2.606
2.585
2.645
19.01
2.645
3.014
76
11.84
P/TBVx
35.16
33.90
36.31
40.15
39.30
37.88
36.21
34.51
36.37
33.20
29.38
36.21
36.26
17
7.842
P/Bx
32.53
36.68
41.98
43.13
45.02
52.17
58.18
58.37
67.72
74.33
31.00
58.37
48.60
75
4.164
NII€B
2.955
3.119
3.234
3.264
3.440
3.553
3.673
3.812
3.884
3.954
1.626
2.82%
3.15%
—
8.50
NII grth%
32.87
35.58
35.21
36.44
34.59
36.79
33.83
32.68
35.13
35.82
2.21
35.13
35.17
57
29.79
ROTE%
1.37
3.41
2.99
0.40
2.79
2.26
2.37
0.85
3.24
4.45
8.14
2.37
2.58
64
18.94
Return on equity%
20.09
19.89
22.79
22.61
24.82
27.53
30.01
28.76
27.41
26.11
16.96
27.53
25.46
81
2.63
Return on assets%
8.89
10.48
10.25
9.29
6.80
9.08
6.53
4.43
7.28
9.47
8.38
7.28
8.98
21
0.35
EPS€
0.19
0.18
0.20
0.21
0.21
0.22
0.24
0.23
0.22
0.24
0.37
2.37%
2.12%
—
7.91
EPS growth%
27.28
27.71
26.06
27.20
27.32
27.48
25.22
24.93
26.70
27.79
15.05
26.70
27.24
58
0.39
Bookvalue per sh€
0.44
0.50
0.55
0.53
0.50
0.47
0.54
0.53
0.59
0.62
0.32
4.34%
4.92%
—
0.32
TBV/sh€
0.08
0.07
0.08
0.09
0.09
0.09
0.08
0.09
0.10
0.11
0.43
5.54%
3.47%
—
0.40
Dividend per sh€
0.60
0.64
0.70
0.71
0.77
0.82
0.97
1.11
1.26
1.40
0.20
12.79%
8.70%
—
16.71
Div yield (avg)%
22.95
24.77
23.67
25.64
26.52
27.27
28.26
28.35
26.42
26.48
26.33
27.27
26.45
41
7.76
Payout ratio%
19.18
16.69
13.86
13.18
10.31
9.71
7.60
6.40
8.17
8.59
11.70
8.17
10.01
57
4.705
Shares (diluted)B
3.938
4.436
4.668
4.467
4.924
5.668
5.636
5.307
5.043
5.696
4.781
2.96%
3.61%
78
15.25
Buyback yield%
7.62
5.34
4.90
2.55
3.38
4.21
4.76
5.79
4.30
3.41
18.49
4.30
4.53
31
106.74
Eq/Assets%
43.21
44.26
40.35
36.74
35.04
33.97
37.70
42.33
40.66
39.10
76.80
39.10
39.72
87
1.158
Assets€B
18.37
19.77
21.94
22.68
24.34
26.81
28.04
31.47
33.14
35.69
3.223
7.96%
8.37%
12
2.199
LT debt€B
1.491
1.455
1.489
1.346
1.460
1.362
1.200
1.197
1.251
1.263
3.120
(2.85%)
(0.80%)
31
Total assets
€35.69B
8.37%
1.64×
Revenue
€5.201B
3.15%
1.00×
Non-interest expense
€2.783B
3.29%
1.01×
Net interest income
76.03%
Non-interest income
23.97%