51.86
Revenue€M
78.26
86.91
93.43
102.8
111.8
120.4
128.9
143.0
158.3
169.2
53.40
8.64%
8.80%
71
7.93
Revenue growth%
13.22
13.29
13.24
15.10
12.95
12.50
11.21
12.30
10.29
11.62
9.35
11.62
12.73
57
8.46
NIM%
17.15
16.03
18.47
18.75
21.74
24.28
21.55
22.62
22.96
21.46
12.96
22.62
21.51
11
16.50
Effic. R.%
26.69
27.33
29.65
30.04
30.71
29.16
27.39
28.09
25.18
23.42
25.02
27.39
27.74
57
5.05
Net margin%
3.36
2.71
4.11
2.89
3.82
4.81
2.30
2.89
0.40
2.03
24.35
2.30
2.89
39
27.27
P/E ratio (avg)x
36.40
34.45
35.66
30.72
28.80
27.98
28.97
25.85
26.71
28.85
20.10
27.98
28.91
22
26.90
P/TBVx
39.23
47.45
46.63
55.99
59.78
70.78
73.28
81.76
91.52
108.3
28.96
81.76
65.28
56
30.02
P/Bx
23.44
23.93
27.14
28.99
30.51
28.46
26.12
28.51
27.13
25.53
6.355
27.13
27.13
75
116.5
NII€M
44.66
48.71
53.20
58.11
64.22
67.96
72.95
80.40
91.13
97.36
122.4
8.68%
8.88%
—
17.12
NII grth%
14.45
15.48
15.56
14.11
15.69
16.45
18.93
16.50
16.53
18.87
4.85
16.53
16.07
23
26.45
ROTE%
26.19
28.74
31.31
29.99
27.76
26.69
24.90
22.94
22.73
20.48
29.94
22.94
26.44
11
27.69
Return on equity%
9.58
7.64
6.24
9.20
9.69
7.59
6.97
5.79
6.01
6.21
9.27
6.21
7.28
74
24.58
Return on assets%
31.47
28.70
27.98
30.75
30.62
30.34
31.81
29.42
28.14
28.34
19.04
29.42
29.88
83
8.25
EPS€
9.48
10.24
10.01
9.88
11.22
10.20
10.29
11.61
10.61
11.68
8.79
0.81%
3.32%
—
19.74
EPS growth%
21.77
18.84
18.11
16.99
15.52
15.50
17.93
17.14
14.81
17.72
28.32
17.14
17.43
57
6.31
Bookvalue per sh€
4.79
4.57
4.63
4.63
4.69
4.34
4.77
5.24
5.34
4.89
3.95
0.85%
0.71%
—
3.16
TBV/sh€
15.06
17.47
18.46
19.93
19.47
21.32
20.18
18.99
19.46
21.44
6.64
1.94%
4.16%
—
9.32
Dividend per sh€
3.80
3.94
4.20
4.48
4.73
4.61
4.89
5.27
4.72
4.83
7.35
0.43%
2.67%
—
18.55
Div yield (avg)%
7.96
6.08
8.15
9.34
9.11
8.84
11.58
10.12
12.26
10.84
27.32
10.84
9.23
37
27.56
Payout ratio%
2.32
0.75
3.00
5.32
3.44
4.14
6.28
9.15
7.81
9.66
23.10
7.81
4.73
77
7.360
Shares (diluted)M
4.130
3.565
3.604
3.322
2.805
2.553
2.752
2.377
2.333
2.009
7.237
(6.46%)
(7.77%)
37
24.49
Buyback yield%
24.03
26.84
29.82
29.86
26.90
26.37
27.19
28.48
28.62
31.34
19.75
28.48
27.84
32
178.82
Eq/Assets%
255.52
257.67
289.00
281.76
302.00
316.32
347.18
364.38
422.70
416.33
36.78
364.38
309.16
40
82.98
Assets€M
72.15
81.19
87.04
94.58
100.9
111.0
119.3
132.8
144.4
160.6
11.50
9.74%
9.09%
94
15.33
LT debt€M
43.91
45.05
43.20
44.63
44.78
45.40
53.40
58.62
58.49
62.80
10.94
7.00%
4.02%
48
Total assets
€160.6M
9.09%
1.03×
Revenue
€169.2M
8.80%
1.00×
Non-interest expense
€82.03M
8.87%
1.01×
Net interest income
57.55%
Non-interest income
42.45%