130.8
Revenue€M
150.2
159.0
174.4
189.8
202.9
214.9
233.0
248.4
265.3
292.9
138.8
7.61%
7.82%
74
29.41
Revenue growth%
21.16
22.69
21.77
19.40
19.51
22.48
21.98
23.24
23.39
25.71
2.70
23.24
22.23
78
4.78
NIM%
21.54
23.29
24.73
22.47
22.93
22.23
24.18
22.88
25.22
27.21
17.36
24.18
23.11
84
12.92
Effic. R.%
29.00
28.70
27.80
26.31
28.28
25.30
24.64
23.26
24.84
25.34
18.77
24.84
25.83
9
23.65
Net margin%
9.36
7.86
4.88
7.16
7.02
9.99
6.99
5.61
7.69
6.11
7.45
6.99
7.09
68
25.88
P/E ratio (avg)x
9.605
10.20
11.66
14.00
14.91
16.42
16.79
16.59
19.65
19.00
32.23
16.79
15.66
91
21.79
P/TBVx
45.57
48.36
52.68
54.73
58.88
58.92
56.96
54.86
60.15
56.97
33.40
56.97
55.91
81
32.82
P/Bx
9.681
10.76
12.50
14.18
16.42
19.12
22.23
26.03
29.51
29.34
6.608
26.03
17.77
5
85.78
NII€M
85.22
88.22
98.82
105.2
115.0
118.7
132.6
141.8
148.1
163.7
135.2
7.32%
7.83%
—
22.37
NII grth%
13.30
13.86
11.72
11.75
10.16
10.38
9.83
8.99
7.82
9.03
4.48
9.03
10.27
35
14.44
ROTE%
14.14
12.14
10.48
13.15
13.10
10.63
11.37
12.02
10.87
8.30
16.48
10.87
11.69
73
11.70
Return on equity%
21.57
24.37
24.25
22.94
24.52
22.30
22.49
23.22
22.21
21.75
20.79
22.30
22.72
67
20.65
Return on assets%
8.07
8.23
5.99
3.17
3.02
0.40
1.74
2.35
0.40
2.06
11.92
1.74
2.69
94
15.16
EPS€
5.54
5.09
5.30
5.27
4.69
4.71
4.42
4.45
4.28
4.14
15.83
(2.49%)
(4.08%)
—
14.94
EPS growth%
20.61
21.12
18.68
16.97
18.67
18.49
17.51
16.11
14.32
14.97
14.96
16.11
18.00
77
7.33
Bookvalue per sh€
17.05
18.23
18.08
18.24
17.53
18.17
20.66
24.50
23.27
23.52
7.86
6.06%
3.83%
—
12.29
TBV/sh€
7.69
8.40
8.54
8.23
8.66
9.66
10.85
12.76
12.14
11.84
13.92
6.45%
4.76%
—
15.19
Dividend per sh€
16.25
15.89
18.68
18.44
17.84
21.44
24.08
27.03
27.26
28.55
4.54
9.85%
6.30%
—
27.64
Div yield (avg)%
15.56
17.20
16.25
19.22
19.77
18.23
20.26
19.17
17.82
15.06
3.40
18.23
18.03
43
10.27
Payout ratio%
33.04
34.15
31.27
28.60
26.28
29.14
29.70
27.15
28.32
30.91
27.31
29.14
29.42
17
5.868
Shares (diluted)M
5.410
5.307
5.516
5.573
5.305
4.924
4.996
5.127
5.468
4.894
6.028
(1.60%)
(0.41%)
30
5.78
Buyback yield%
15.35
13.94
16.21
13.70
16.57
13.97
11.86
9.75
10.29
9.91
16.99
10.29
13.82
17
139.34
Eq/Assets%
67.89
70.95
68.74
78.83
91.81
94.69
108.03
114.64
133.47
131.39
27.79
114.64
93.25
46
0.149
Assets€B
0.832
0.928
1.041
1.114
1.193
1.343
1.397
1.595
1.667
1.854
0.169
9.22%
9.29%
92
186.7
LT debt€M
48.06
53.30
64.06
69.44
69.63
70.55
72.56
80.00
79.34
93.70
203.0
6.12%
8.51%
53
Total assets
€1.854B
9.29%
1.14×
Revenue
€292.9M
7.82%
1.00×
Non-interest expense
€140.3M
7.72%
0.99×
Net interest income
55.90%
Non-interest income
44.10%