23.94
Revenue€M
200.8
205.0
208.9
210.9
213.7
220.0
223.6
225.8
222.2
228.9
24.55
1.38%
1.56%
6
26.29
Revenue growth%
22.32
23.13
23.75
26.16
23.22
22.21
22.75
20.26
21.58
23.53
16.48
22.21
22.94
60
7.86
NIM%
15.94
14.21
15.08
16.45
17.17
17.42
15.42
13.65
12.76
10.87
8.17
13.65
15.25
66
7.50
Effic. R.%
25.22
27.56
29.40
30.39
28.22
29.98
27.68
28.37
27.24
30.14
14.86
28.37
28.30
13
22.32
Net margin%
23.89
21.15
23.12
20.43
18.21
19.55
20.72
19.27
18.81
16.46
15.28
19.27
19.99
22
27.62
P/E ratio (avg)x
36.57
37.40
40.95
43.06
42.22
44.08
48.17
52.92
58.93
62.36
24.43
52.92
43.57
16
30.69
P/TBVx
13.19
14.48
13.40
13.57
13.76
14.93
16.15
14.59
15.72
16.70
25.45
15.72
14.53
74
14.39
P/Bx
23.82
22.69
20.32
18.82
20.68
18.28
17.70
15.87
16.30
17.78
7.124
17.70
18.55
58
83.41
NII€M
121.9
124.7
126.7
129.2
131.7
133.2
138.4
137.6
134.3
141.1
204.8
1.38%
1.65%
—
22.84
NII grth%
30.77
29.62
29.86
27.57
28.24
29.63
30.86
29.93
31.42
32.90
28.84
30.86
29.89
61
10.26
ROTE%
12.69
12.01
14.08
13.71
11.15
9.13
9.06
7.16
5.92
6.02
29.00
7.16
10.14
53
21.65
Return on equity%
23.08
26.03
27.84
30.19
32.06
29.95
27.54
26.41
27.53
26.81
26.49
27.53
27.54
87
18.40
Return on assets%
13.38
12.49
11.82
14.17
16.18
13.54
14.57
15.81
14.76
14.85
29.87
14.76
14.37
85
3.27
EPS€
5.29
5.60
6.03
5.92
5.74
6.36
7.42
8.72
10.38
10.61
3.62
13.09%
9.07%
—
20.32
EPS growth%
5.31
6.83
7.98
9.38
7.29
6.24
5.66
4.87
7.18
6.70
6.42
6.24
6.77
16
0.77
Bookvalue per sh€
2.36
2.43
2.37
2.30
2.38
2.41
2.60
2.83
3.18
3.22
2.02
6.25%
4.82%
—
1.14
TBV/sh€
3.20
3.43
3.29
3.05
2.96
3.17
3.30
3.29
3.38
3.22
1.45
1.66%
0.70%
—
4.10
Dividend per sh€
2.86
2.71
2.82
3.18
3.18
3.42
4.01
4.63
4.93
4.72
4.67
8.25%
5.88%
—
19.52
Div yield (avg)%
9.04
9.04
6.16
5.16
4.73
2.61
2.71
3.39
1.33
0.40
18.14
2.61
4.06
6
4.69
Payout ratio%
30.40
32.38
30.34
28.43
26.09
27.71
27.99
26.62
26.30
27.54
20.69
27.54
27.85
84
57.88
Shares (diluted)M
88.16
91.42
103.2
123.3
125.3
130.1
135.7
144.9
143.8
170.7
57.47
6.38%
7.39%
48
8.27
Buyback yield%
0.40
2.02
1.11
0.80
0.40
0.40
0.40
1.58
0.40
3.14
7.51
0.40
0.60
28
152.46
Eq/Assets%
146.46
148.08
160.67
151.92
133.49
145.40
144.02
140.08
135.39
135.88
47.53
140.08
144.71
76
0.129
Assets€B
1.002
1.083
1.155
1.275
1.386
1.535
1.694
1.873
1.988
2.250
0.163
10.18%
9.28%
80
19.00
LT debt€M
72.55
79.71
86.26
85.75
94.61
84.79
94.95
90.55
101.5
105.4
161.4
2.18%
3.34%
94
Total assets
€2.250B
9.28%
2.08×
Revenue
€228.9M
1.56%
1.00×
Non-interest expense
€127.6M
1.76%
1.02×
Net interest income
61.62%
Non-interest income
38.38%