0.629
Revenue€B
1.049
1.130
1.173
1.224
1.280
1.333
1.425
1.477
1.559
1.650
0.688
5.20%
5.34%
48
4.33
Revenue growth%
10.62
10.74
11.65
10.48
12.31
15.03
12.95
13.85
11.91
13.00
22.90
13.00
12.11
21
29.28
NIM%
30.51
32.26
32.51
34.57
37.19
35.19
33.73
31.52
30.07
32.58
25.55
32.58
32.55
94
6.04
Effic. R.%
11.76
12.50
13.06
10.91
11.14
11.02
10.43
11.66
13.33
11.99
3.77
11.66
11.71
63
17.66
Net margin%
5.44
3.20
5.79
3.17
2.01
3.71
0.75
0.40
0.40
2.46
14.98
0.75
2.81
66
34.45
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
24.61
20.13
14.79
36
17.49
P/TBVx
24.13
22.70
23.44
26.92
28.21
32.43
32.80
35.09
36.68
36.18
29.31
35.09
30.32
28
28.44
P/Bx
50.72
51.06
56.83
57.17
64.81
60.73
68.51
77.47
80.95
74.71
17.64
74.71
62.77
51
0.722
NII€B
0.762
0.826
0.847
0.896
0.920
0.953
1.035
1.082
1.129
1.200
1.536
5.45%
5.51%
—
5.18
NII grth%
12.06
14.66
16.76
15.00
16.37
15.39
13.41
10.61
8.93
9.89
8.03
10.61
14.03
33
8.21
ROTE%
10.00
10.02
8.81
10.73
12.62
13.06
15.48
17.95
19.92
20.26
20.40
17.95
12.84
40
3.61
Return on equity%
29.40
31.02
29.46
31.97
29.37
30.30
28.48
28.67
29.50
28.61
13.37
28.67
29.43
24
7.53
Return on assets%
10.50
12.78
12.51
14.68
15.05
15.53
13.44
15.72
15.30
16.74
24.30
15.53
14.86
93
0.70
EPS€
0.97
1.08
1.23
1.21
1.36
1.59
1.59
1.80
1.84
2.05
0.74
8.63%
8.73%
—
28.38
EPS growth%
20.86
20.06
21.65
22.30
19.92
18.98
17.28
14.84
17.60
17.77
14.97
17.60
19.45
42
0.60
Bookvalue per sh€
0.92
0.95
1.04
1.11
1.08
1.06
1.17
1.27
1.31
1.49
0.56
6.56%
4.92%
—
0.17
TBV/sh€
0.58
0.52
0.48
0.49
0.47
0.52
0.49
0.48
0.43
0.44
0.43
(1.39%)
(2.84%)
—
0.24
Dividend per sh€
0.25
0.22
0.22
0.22
0.21
0.21
0.19
0.18
0.19
0.18
0.35
(2.88%)
(3.99%)
—
17.94
Div yield (avg)%
18.08
20.80
22.05
23.46
22.88
25.64
28.61
27.24
25.57
24.79
5.48
25.64
24.12
90
23.32
Payout ratio%
20.43
18.44
20.97
18.55
16.88
17.66
18.39
15.82
16.71
17.56
22.89
17.56
18.02
78
2.554
Shares (diluted)B
2.240
2.452
2.507
2.649
2.606
2.830
2.626
2.437
2.478
2.281
2.569
(2.63%)
(0.30%)
41
25.84
Buyback yield%
5.75
5.58
5.88
5.74
3.00
0.57
0.40
2.24
0.40
2.17
17.98
0.57
2.62
39
66.33
Eq/Assets%
171.83
176.68
199.95
196.82
204.50
217.71
239.63
236.32
235.45
276.60
166.96
236.32
211.11
31
1.349
Assets€B
0.898
0.945
1.048
1.094
1.190
1.283
1.411
1.568
1.707
1.806
1.495
8.70%
8.21%
89
1.540
LT debt€B
1.357
1.473
1.484
1.459
1.607
1.674
1.635
1.821
1.625
1.762
1.288
1.86%
2.56%
71
Total assets
€1.806B
8.21%
1.31×
Revenue
€1.650B
5.34%
1.00×
Non-interest expense
€851.5M
5.29%
1.00×
Net interest income
72.74%
Non-interest income
27.26%
Return on capital
100.75%
Spread over hurdle
92.16%