336.2
Revenue€M
337.5
357.4
383.8
408.5
443.9
480.4
523.7
564.6
595.4
636.8
360.2
7.48%
7.07%
64
11.87
Revenue growth%
14.99
16.74
15.63
13.31
15.84
18.80
16.62
16.72
14.65
11.97
14.22
16.62
15.73
74
14.32
NIM%
32.00
31.08
30.84
30.83
30.96
31.31
28.99
30.23
33.18
35.65
2.51
31.31
31.02
85
16.37
Effic. R.%
20.22
18.47
16.68
14.22
15.89
16.14
16.23
16.82
18.10
18.97
28.72
16.82
16.75
93
7.50
Net margin%
12.02
14.10
12.24
11.33
8.44
11.37
10.28
7.52
5.10
4.54
3.05
7.52
10.80
16
15.14
P/E ratio (avg)x
13.52
15.30
16.26
15.71
16.29
16.03
15.55
15.57
15.74
15.84
22.98
15.74
15.73
91
27.73
P/TBVx
16.06
17.59
16.77
14.49
15.37
15.43
15.31
14.94
13.85
14.70
36.89
14.94
15.34
30
15.80
P/Bx
11.00
10.72
9.641
8.567
8.848
8.351
7.653
7.294
7.927
7.101
16.33
7.653
8.459
77
447.5
NII€M
232.5
248.0
265.7
282.6
303.6
335.1
360.5
388.3
406.1
440.3
423.2
7.72%
7.23%
—
27.95
NII grth%
33.37
35.27
36.18
33.65
36.35
38.46
38.20
39.90
39.65
40.76
16.22
39.65
37.28
84
19.45
ROTE%
27.60
25.01
22.47
21.55
23.40
21.84
22.14
21.98
23.36
22.95
25.06
22.14
22.71
27
24.64
Return on equity%
3.09
5.07
5.09
5.22
2.36
1.28
0.40
1.25
2.28
1.74
10.27
1.28
2.32
32
26.09
Return on assets%
19.90
18.48
20.42
19.29
16.48
13.65
11.13
12.54
11.86
9.65
15.57
11.86
15.06
26
3.29
EPS€
4.76
4.71
5.18
4.65
4.22
4.40
4.72
4.63
4.67
4.36
3.56
0.67%
(0.64%)
—
25.73
EPS growth%
30.99
28.66
28.97
26.03
27.41
27.01
28.19
30.69
28.35
26.70
18.70
28.19
28.27
88
5.04
Bookvalue per sh€
4.79
5.19
4.65
4.03
3.86
3.85
3.77
3.44
3.57
3.29
4.20
(3.17%)
(3.89%)
—
10.50
TBV/sh€
2.06
1.95
2.07
2.04
1.94
2.01
2.09
2.21
2.12
2.16
6.91
2.15%
0.80%
—
10.88
Dividend per sh€
3.62
3.29
3.56
3.67
3.63
3.37
3.29
2.94
3.02
2.67
6.76
(5.97%)
(2.40%)
—
7.11
Div yield (avg)%
28.96
30.48
29.48
28.57
29.21
28.89
27.02
28.26
27.02
26.90
25.42
27.02
28.73
82
20.60
Payout ratio%
9.03
7.82
6.81
9.32
6.61
4.80
2.47
4.30
7.03
7.30
4.74
4.80
6.92
48
27.65
Shares (diluted)M
17.88
15.36
14.24
14.73
15.45
14.20
12.22
10.45
9.416
9.173
28.12
(9.91%)
(7.91%)
65
27.01
Buyback yield%
5.45
3.98
4.37
6.17
8.36
6.72
6.43
5.82
5.85
6.35
3.05
6.35
6.01
88
43.56
Eq/Assets%
47.43
44.34
38.44
38.50
40.33
43.45
39.09
33.91
36.24
33.55
120.74
36.24
38.80
70
0.298
Assets€B
0.817
0.887
0.991
1.055
1.136
1.222
1.368
1.452
1.599
1.706
0.060
8.48%
8.87%
95
313.5
LT debt€M
202.1
195.8
218.7
215.0
244.8
280.6
324.5
339.9
322.7
347.4
38.95
7.26%
6.75%
15
Total assets
€1.706B
8.87%
1.18×
Revenue
€636.8M
7.07%
1.00×
Non-interest expense
€366.0M
6.99%
0.99×
Net interest income
69.15%
Non-interest income
30.85%