27.84
Revenue€M
46.49
49.33
51.52
53.09
54.54
57.90
59.57
63.27
64.10
65.42
29.88
3.70%
4.08%
79
24.92
Revenue growth%
11.76
13.72
13.26
13.30
12.89
12.61
15.17
14.93
16.31
15.78
12.72
15.17
13.51
46
13.78
NIM%
23.86
21.59
20.94
22.69
22.63
21.47
20.05
21.23
24.04
26.05
23.52
21.47
22.11
75
7.92
Effic. R.%
25.14
24.71
27.63
26.42
25.81
23.07
23.75
26.41
28.83
31.81
9.49
26.41
26.11
29
19.86
Net margin%
2.40
0.41
2.77
1.17
1.95
2.16
0.40
3.29
3.64
2.76
19.64
2.76
2.28
21
13.60
P/E ratio (avg)x
15.10
16.74
17.20
16.92
18.03
18.34
18.74
20.67
20.51
21.22
10.09
20.51
18.18
81
21.70
P/TBVx
37.26
40.05
41.49
43.66
49.67
51.62
54.03
51.95
52.00
56.72
35.32
52.00
50.65
63
17.84
P/Bx
33.19
33.25
30.15
29.10
25.33
22.38
21.65
21.58
21.69
22.84
38.00
21.69
24.09
41
42.77
NII€M
28.27
30.87
32.05
32.79
33.49
35.57
36.69
39.25
39.76
40.44
70.80
3.84%
4.28%
—
20.35
NII grth%
26.43
28.11
25.81
26.35
29.17
26.57
27.40
26.12
27.73
27.78
6.89
27.40
26.98
11
11.00
ROTE%
23.59
23.55
24.36
23.44
22.86
23.40
21.77
19.45
22.41
22.88
20.23
22.41
23.14
36
14.33
Return on equity%
7.66
9.28
9.29
7.92
7.24
6.96
5.93
4.82
1.87
0.40
24.92
4.82
7.10
86
7.21
Return on assets%
18.76
19.69
18.54
21.16
22.60
19.63
16.64
15.87
17.19
16.49
8.29
16.64
18.65
58
5.77
EPS€
2.68
2.83
3.12
3.30
3.58
3.56
3.44
3.68
4.35
4.44
6.46
4.40%
5.15%
—
5.25
EPS growth%
22.48
24.22
22.73
22.58
20.84
18.84
19.55
16.90
15.56
16.12
17.96
16.90
20.19
43
4.30
Bookvalue per sh€
8.30
8.49
7.78
8.48
8.96
9.64
9.74
10.94
11.96
13.13
9.85
7.95%
6.07%
—
5.02
TBV/sh€
6.15
6.07
6.91
6.86
6.74
7.36
8.10
9.25
9.35
9.55
10.17
7.23%
5.95%
—
2.47
Dividend per sh€
6.16
6.12
7.24
8.05
9.38
9.48
10.29
10.22
11.07
10.76
4.84
2.79%
5.52%
—
17.18
Div yield (avg)%
33.51
31.83
28.93
31.31
28.40
30.23
29.29
27.22
25.32
25.37
21.45
27.22
29.11
45
14.00
Payout ratio%
7.15
8.16
5.62
7.91
10.47
12.60
14.27
16.84
19.61
17.07
9.27
16.84
11.53
21
4.502
Shares (diluted)M
2.841
2.684
2.748
2.346
2.309
2.076
1.827
1.641
1.634
1.546
4.522
(7.71%)
(5.54%)
49
16.34
Buyback yield%
13.41
11.63
9.32
10.69
11.17
12.87
10.51
9.40
10.95
12.57
11.33
10.95
11.06
66
78.10
Eq/Assets%
267.22
293.10
291.80
305.44
319.57
359.36
400.82
435.94
499.52
493.63
74.81
435.94
339.47
80
18.04
Assets€M
249.9
274.5
304.4
321.4
354.1
369.1
393.6
406.2
440.8
479.6
72.21
6.26%
7.37%
73
4.384
LT debt€M
68.44
74.95
76.43
70.62
69.03
67.05
75.25
80.52
92.13
90.25
44.29
5.51%
2.76%
72
Total assets
€479.6M
7.37%
1.37×
Revenue
€65.42M
4.08%
1.00×
Non-interest expense
€35.45M
4.33%
1.02×
Net interest income
61.81%
Non-interest income
38.19%