199.5
Revenue€M
107.1
115.4
125.8
135.5
148.7
162.5
175.5
190.7
201.8
217.9
212.6
7.94%
8.09%
12
13.37
Revenue growth%
22.12
21.51
19.23
22.14
22.53
20.49
20.77
19.81
20.70
21.50
5.82
20.70
21.14
19
16.69
NIM%
27.46
30.10
30.02
31.36
29.22
30.92
32.71
33.89
32.83
33.82
6.70
32.83
31.14
8
27.36
Effic. R.%
14.01
15.36
18.30
18.08
19.27
21.53
21.06
20.13
18.08
20.88
3.89
20.88
18.78
8
17.34
Net margin%
0.40
0.40
3.12
3.03
2.05
3.24
2.29
2.70
0.85
2.16
29.51
2.29
2.23
73
11.24
P/E ratio (avg)x
13.34
15.14
16.01
16.32
18.10
19.68
19.64
22.15
24.63
24.52
29.31
22.15
18.87
18
33.33
P/TBVx
28.22
27.84
26.05
25.36
23.83
22.92
21.22
18.88
20.41
19.27
6.870
20.41
23.37
22
17.28
P/Bx
54.41
53.02
52.63
51.88
55.25
53.09
55.87
62.09
62.43
69.56
7.980
62.09
54.83
52
19.33
NII€M
85.12
91.88
101.2
107.6
117.7
130.7
138.2
150.3
160.7
175.4
122.5
8.32%
8.12%
—
6.27
NII grth%
18.33
17.54
17.65
19.92
17.68
14.85
13.44
12.40
10.91
10.08
16.88
12.40
16.19
95
2.77
ROTE%
25.58
25.70
26.38
24.09
25.81
26.69
28.05
29.85
31.79
29.53
22.76
29.53
26.54
74
24.25
Return on equity%
10.03
9.67
8.07
7.65
8.26
6.19
6.37
3.94
5.88
6.47
24.79
6.19
7.06
58
12.33
Return on assets%
19.94
18.04
20.02
19.76
17.39
18.91
17.25
19.93
21.27
21.79
3.16
19.93
19.85
67
10.26
EPS€
11.92
12.43
12.48
11.16
11.48
11.19
11.97
12.40
10.64
10.82
10.90
(1.17%)
(1.30%)
—
4.04
EPS growth%
27.38
29.44
29.51
30.40
28.48
29.28
27.76
30.24
29.70
31.36
3.61
29.70
29.48
12
13.72
Bookvalue per sh€
8.16
8.05
8.25
9.65
10.06
11.88
11.64
12.70
13.97
16.09
5.91
9.85%
8.24%
—
13.21
TBV/sh€
18.16
18.17
18.33
21.34
21.17
22.75
26.53
26.72
32.02
38.73
13.99
12.83%
7.65%
—
9.36
Dividend per sh€
9.86
11.42
11.32
11.08
12.87
14.28
15.26
16.16
14.96
16.25
4.37
4.79%
6.04%
—
16.85
Div yield (avg)%
24.25
24.27
24.81
26.35
23.56
25.46
28.07
27.20
25.74
22.74
26.99
25.74
25.13
65
20.57
Payout ratio%
27.48
28.70
26.23
25.43
25.61
25.81
25.03
22.56
25.13
27.35
16.85
25.13
25.71
36
7.600
Shares (diluted)M
7.019
7.308
6.938
7.053
7.565
7.807
7.026
6.407
6.550
7.081
7.318
(1.31%)
(0.97%)
89
7.00
Buyback yield%
19.06
21.14
23.98
21.34
22.15
20.18
21.13
22.23
19.59
22.31
13.67
21.13
21.24
7
33.62
Eq/Assets%
141.42
136.34
137.40
123.31
126.72
132.22
123.10
112.19
117.54
127.49
27.53
123.10
127.11
44
67.75
Assets€M
109.5
120.7
129.6
141.3
160.0
170.6
183.1
196.5
225.6
243.4
213.4
8.76%
9.19%
76
10.27
LT debt€M
118.3
117.4
129.3
140.3
162.0
163.8
175.9
199.1
204.7
213.2
80.72
5.66%
7.58%
68
Total assets
€243.4M
9.19%
1.11×
Revenue
€217.9M
8.09%
1.00×
Non-interest expense
€117.9M
8.13%
1.00×
Net interest income
80.51%
Non-interest income
19.49%