119.7
Revenue€M
88.06
94.79
99.37
104.1
112.5
119.6
127.7
133.6
143.3
154.5
127.4
6.54%
6.33%
6
26.77
Revenue growth%
7.25
6.10
3.55
4.11
1.52
2.50
3.19
2.29
3.37
2.19
5.66
2.50
3.28
75
7.40
NIM%
1.07
4.00
4.07
1.57
1.08
0.40
0.98
0.64
0.40
1.59
19.94
0.64
1.07
70
9.96
Effic. R.%
23.70
21.81
24.53
23.91
23.80
22.27
22.92
22.44
20.97
18.18
11.97
22.27
22.68
52
13.28
Net margin%
25.09
23.79
23.52
26.45
24.32
23.76
23.34
25.56
25.18
27.74
9.74
25.18
24.70
88
20.58
P/E ratio (avg)x
48.08
45.13
50.11
51.98
48.30
50.08
50.94
55.41
56.22
51.34
7.555
51.34
50.53
44
20.64
P/TBVx
20.34
18.59
19.63
17.85
16.09
16.80
17.59
19.18
18.87
17.34
27.94
17.59
18.22
70
13.51
P/Bx
44.08
46.30
49.72
58.32
68.44
67.00
72.45
76.80
73.72
74.75
16.32
73.72
67.72
54
70.80
NII€M
56.62
60.70
64.77
66.95
72.56
77.73
81.83
86.07
92.42
101.5
15.77
6.95%
6.35%
—
8.39
NII grth%
0.40
0.40
0.40
1.45
3.34
3.18
5.02
4.60
7.32
6.25
15.40
5.02
3.26
67
16.33
ROTE%
3.17
4.93
2.51
1.43
0.40
0.61
0.40
0.40
2.72
0.40
19.28
0.40
1.02
45
20.87
Return on equity%
10.47
7.56
7.32
8.37
6.29
9.07
7.50
6.43
5.97
3.15
27.39
6.43
7.41
77
5.69
Return on assets%
34.36
34.03
35.80
36.05
37.48
38.79
41.04
38.21
37.39
34.55
20.11
38.21
36.72
42
10.27
EPS€
16.34
17.88
21.12
25.38
26.69
27.77
32.90
38.31
42.25
43.19
11.43
10.11%
10.72%
—
8.98
EPS growth%
30.84
30.78
32.43
32.38
29.96
27.92
27.84
28.75
30.86
31.33
18.06
28.75
30.81
82
12.40
Bookvalue per sh€
8.22
8.59
7.45
7.82
8.01
6.88
6.04
6.04
5.65
6.05
4.26
(5.46%)
(3.22%)
—
12.06
TBV/sh€
24.56
22.86
24.23
23.47
25.38
22.68
20.03
18.97
19.65
17.84
16.67
(6.80%)
(2.47%)
—
4.25
Dividend per sh€
27.47
31.87
34.38
40.65
40.08
47.34
50.60
51.52
56.60
66.74
7.55
10.74%
9.36%
—
11.50
Div yield (avg)%
12.96
15.40
15.16
16.84
16.93
15.86
14.84
13.26
13.82
11.95
21.42
13.82
15.00
15
29.25
Payout ratio%
12.32
11.77
9.14
6.76
8.00
10.68
10.07
11.05
10.98
9.66
17.55
10.68
10.38
8
5.364
Shares (diluted)M
7.939
8.167
7.530
8.616
9.623
9.473
9.422
9.018
9.493
9.131
5.142
(1.04%)
2.82%
47
7.97
Buyback yield%
17.06
14.39
14.46
15.38
18.36
15.87
15.12
13.47
13.70
16.55
10.84
15.12
15.25
88
156.45
Eq/Assets%
145.63
149.82
133.60
136.45
120.14
125.76
130.63
134.07
124.15
111.08
119.09
125.76
132.11
66
53.46
Assets€M
364.6
386.5
438.8
486.9
529.4
563.0
604.9
686.6
731.7
811.5
106.8
8.92%
9.32%
30
66.00
LT debt€M
119.5
132.6
155.3
152.8
160.8
175.9
204.3
218.4
236.1
271.7
55.65
11.07%
8.31%
52
Total assets
€811.5M
9.32%
1.32×
Revenue
€154.5M
6.33%
1.00×
Non-interest expense
€82.88M
6.46%
1.01×
Net interest income
65.73%
Non-interest income
34.27%
Spread over hurdle
14.90%