113.7
Revenue€M
90.10
93.76
96.32
101.8
107.4
113.9
119.0
124.2
125.7
131.4
120.6
4.11%
4.31%
36
13.56
Revenue growth%
23.50
26.24
25.54
28.27
26.43
25.68
24.28
21.92
22.50
21.49
7.63
22.50
24.91
35
17.54
NIM%
20.27
17.32
15.83
14.35
12.19
11.48
12.90
14.43
12.54
12.64
18.85
12.64
13.63
28
8.52
Effic. R.%
24.44
22.53
25.08
23.86
23.41
24.50
23.86
25.70
26.19
26.79
26.65
25.70
24.47
67
19.96
Net margin%
10.04
7.73
5.65
7.28
4.72
2.60
0.40
2.31
1.17
0.40
19.44
1.17
3.66
89
11.91
P/E ratio (avg)x
30.31
30.74
29.37
33.53
36.73
39.90
43.73
44.13
42.92
42.84
23.36
42.92
38.32
80
34.53
P/TBVx
17.87
20.65
22.93
22.36
24.29
23.50
26.81
29.64
31.15
29.89
10.50
29.64
23.89
72
36.56
P/Bx
12.19
13.27
12.76
15.00
14.67
16.28
18.30
20.34
21.05
22.33
23.10
20.34
15.64
11
48.79
NII€M
57.33
60.06
60.90
65.36
69.05
73.83
75.95
79.57
79.50
83.62
51.24
3.90%
4.24%
—
25.77
NII grth%
14.31
14.99
16.80
14.29
14.78
12.23
10.13
10.95
13.69
15.69
20.86
12.23
14.30
37
4.97
ROTE%
25.21
25.20
27.86
27.34
27.04
25.58
24.40
24.87
24.80
22.98
7.28
24.80
25.21
95
28.39
Return on equity%
8.50
6.08
3.60
1.03
0.40
0.40
0.40
0.40
0.40
2.55
13.57
0.40
0.71
74
18.48
Return on assets%
6.96
5.18
5.43
7.06
9.64
7.70
7.27
5.64
3.66
4.77
3.39
5.64
6.30
75
2.51
EPS€
19.21
19.20
19.21
20.27
22.78
22.47
24.99
25.46
27.15
27.39
2.72
3.75%
4.44%
—
26.78
EPS growth%
18.36
19.57
19.19
18.64
17.74
18.49
20.87
19.75
20.29
22.84
7.81
20.29
19.38
92
14.02
Bookvalue per sh€
15.18
17.29
19.56
19.50
19.99
22.25
25.89
28.30
32.05
36.84
11.22
13.01%
11.08%
—
7.28
TBV/sh€
4.86
4.38
4.35
4.62
4.62
4.58
4.00
4.27
4.07
4.50
14.28
(0.52%)
(2.06%)
—
4.82
Dividend per sh€
13.26
12.89
15.00
15.13
16.55
18.68
19.24
19.93
21.18
22.69
11.23
6.51%
5.48%
—
11.71
Div yield (avg)%
3.64
5.82
3.47
6.45
5.51
3.49
2.31
1.47
2.26
0.43
14.20
2.26
3.48
57
11.67
Payout ratio%
17.11
15.70
18.11
18.37
21.05
18.68
17.05
14.64
12.77
12.25
5.51
14.64
17.08
88
6.185
Shares (diluted)M
6.494
6.033
6.510
7.085
6.399
6.780
6.890
7.152
6.650
6.560
6.114
0.50%
0.62%
11
24.17
Buyback yield%
27.04
27.24
27.40
28.78
27.32
29.74
28.43
27.38
26.61
28.89
28.56
28.43
27.39
61
13.14
Eq/Assets%
173.46
158.64
136.89
137.32
150.93
130.46
114.92
101.91
106.03
93.58
71.22
106.03
133.67
54
79.93
Assets€M
30.99
32.24
34.96
37.77
39.70
45.73
50.36
54.31
58.25
61.06
54.38
9.00%
8.35%
12
75.74
LT debt€M
108.3
112.8
117.2
100.7
102.2
91.56
99.96
107.8
107.1
98.28
19.06
(0.77%)
(1.11%)
83
Total assets
€61.06M
8.35%
1.46×
Revenue
€131.4M
4.31%
1.00×
Non-interest expense
€81.39M
4.46%
1.01×
Net interest income
63.65%
Non-interest income
36.35%
Return on capital
168.96%
Spread over hurdle
163.21%