1.310
Revenue€B
2.064
2.084
2.114
2.180
2.216
2.237
2.232
2.246
2.268
2.279
1.425
0.56%
1.30%
68
9.65
Revenue growth%
32.66
30.17
31.06
29.69
31.64
31.03
32.39
32.37
34.08
33.97
8.90
32.39
32.01
28
18.21
NIM%
22.75
22.00
20.19
18.28
18.23
19.36
18.02
15.72
15.18
15.12
5.03
15.72
18.26
36
22.81
Effic. R.%
27.23
28.54
26.88
26.80
25.92
27.28
24.40
25.33
25.35
27.14
15.21
25.35
26.84
31
12.35
Net margin%
7.85
7.73
7.97
9.25
9.41
6.80
5.53
6.07
8.94
7.01
28.24
6.80
7.79
40
34.07
P/E ratio (avg)x
18.62
16.75
15.28
15.78
14.50
12.81
12.74
12.09
12.35
13.22
19.34
12.74
13.86
16
13.34
P/TBVx
22.25
24.01
24.26
22.02
21.59
20.78
21.04
22.60
25.21
22.99
31.61
22.60
22.42
43
34.61
P/Bx
26.52
22.38
20.56
20.21
18.19
18.01
19.05
18.11
15.38
14.29
36.74
18.01
18.62
65
1.675
NII€B
1.461
1.475
1.504
1.553
1.576
1.598
1.568
1.572
1.587
1.604
1.731
0.35%
1.23%
—
29.17
NII grth%
26.57
26.64
28.40
26.32
29.06
30.07
27.31
26.33
26.14
23.42
5.34
26.33
26.60
45
19.50
ROTE%
0.40
0.40
0.40
0.40
0.94
3.46
6.18
3.36
5.10
3.14
26.04
3.46
2.04
51
24.06
Return on equity%
4.92
2.85
1.03
1.49
1.43
1.47
3.61
2.45
5.15
2.56
19.95
2.56
2.50
27
6.84
Return on assets%
6.63
4.06
4.85
2.10
1.05
0.40
0.40
2.46
5.00
6.41
15.23
2.46
3.26
87
0.12
EPS€
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.03
0.03
0.03
0.13
(5.23%)
(1.56%)
—
16.94
EPS growth%
6.42
8.96
9.16
8.41
9.82
6.88
6.63
5.62
2.87
0.81
4.21
5.62
6.75
21
0.16
Bookvalue per sh€
0.13
0.12
0.12
0.11
0.10
0.11
0.12
0.12
0.13
0.13
0.06
4.45%
(0.96%)
—
0.11
TBV/sh€
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.13
0.15
0.16
0.15
5.22%
2.14%
—
0.15
Dividend per sh€
0.18
0.17
0.16
0.17
0.16
0.15
0.16
0.17
0.15
0.16
0.07
(0.23%)
(0.85%)
—
5.92
Div yield (avg)%
32.31
32.49
34.22
34.07
35.96
36.32
36.84
34.78
36.03
33.15
28.04
36.03
34.50
8
12.30
Payout ratio%
28.27
29.01
26.97
24.68
21.90
20.54
22.98
20.58
22.08
22.17
9.26
22.08
22.57
86
14.89
Shares (diluted)B
14.37
15.91
14.92
15.74
14.45
15.63
17.32
17.26
16.93
15.37
14.27
1.24%
0.66%
82
8.23
Buyback yield%
5.82
6.58
6.04
8.14
10.91
10.16
10.28
7.70
9.96
12.57
22.21
10.16
9.05
82
58.96
Eq/Assets%
192.82
198.47
194.17
179.87
174.45
158.16
179.61
173.82
194.55
199.20
42.28
179.61
186.34
55
0.298
Assets€B
6.001
6.398
7.061
7.697
8.375
9.066
10.20
10.94
11.87
13.10
0.470
9.35%
9.18%
44
0.988
LT debt€B
1.489
1.629
1.774
1.948
2.297
2.752
2.974
3.512
4.233
4.702
0.233
15.40%
12.33%
54
Total assets
€13.10B
9.18%
2.12×
Revenue
€2.279B
1.30%
1.00×
Non-interest expense
€1.159B
1.24%
0.99×
Net interest income
70.39%
Non-interest income
29.61%
Spread over hurdle
21.71%