244.7
Revenue€M
241.6
259.4
286.9
313.3
339.3
365.2
404.5
437.8
475.8
518.4
249.9
8.85%
8.89%
65
17.16
Revenue growth%
6.32
7.53
6.42
3.62
3.14
0.81
0.44
0.49
2.83
5.18
27.69
0.81
3.38
12
27.46
NIM%
18.13
16.44
18.32
19.68
21.12
22.29
20.76
18.77
18.59
16.60
23.94
18.77
18.68
30
23.60
Effic. R.%
13.45
10.90
9.08
9.05
11.26
13.86
14.14
13.22
11.92
8.95
24.02
13.22
11.59
73
8.46
Net margin%
27.43
29.61
30.03
32.14
29.24
32.14
29.88
27.82
26.13
24.29
6.09
27.82
29.42
75
37.02
P/E ratio (avg)x
37.74
36.66
42.08
40.88
40.49
39.37
38.49
43.32
41.58
46.98
34.96
41.58
40.69
19
16.25
P/TBVx
12.52
11.79
12.22
10.80
10.25
8.993
9.935
10.40
9.472
9.024
8.575
9.472
10.33
57
18.69
P/Bx
25.54
28.13
24.27
21.17
22.36
21.12
18.77
17.47
19.19
21.06
32.60
19.19
21.15
45
120.8
NII€M
182.5
199.4
220.6
237.2
258.4
281.8
309.5
334.6
365.9
395.0
277.9
8.86%
8.79%
—
26.84
NII grth%
17.00
17.39
20.27
20.98
20.29
23.20
25.42
22.92
24.33
22.72
3.75
23.20
21.85
58
14.91
ROTE%
0.40
0.40
0.40
1.91
4.30
1.45
0.40
1.01
1.68
1.88
6.05
1.45
1.23
76
25.65
Return on equity%
11.45
12.05
9.10
8.99
7.75
5.53
3.92
5.53
7.76
7.41
22.07
5.53
7.76
10
4.40
Return on assets%
20.76
22.90
22.79
22.12
21.31
21.36
19.96
19.05
21.02
19.64
25.79
19.96
21.16
14
2.33
EPS€
1.01
1.05
1.12
0.99
1.00
0.89
0.81
0.81
0.82
0.75
2.39
(5.69%)
(3.81%)
—
10.01
EPS growth%
6.69
7.87
6.69
8.85
7.20
6.50
8.58
10.98
11.67
11.03
10.72
10.98
8.23
76
2.40
Bookvalue per sh€
3.14
3.21
3.66
4.12
4.82
5.06
5.85
6.36
6.64
7.21
2.36
8.38%
9.78%
—
1.27
TBV/sh€
5.25
5.75
5.70
6.06
7.20
6.99
7.05
6.97
7.51
8.77
3.79
4.03%
4.94%
—
3.01
Dividend per sh€
5.54
5.57
5.59
6.24
6.19
5.83
6.06
5.62
5.34
6.05
1.66
(0.47%)
1.45%
—
14.91
Div yield (avg)%
10.08
10.85
13.17
15.21
15.67
16.59
18.44
17.11
17.52
16.72
9.03
17.11
16.13
40
27.04
Payout ratio%
19.49
22.27
24.54
22.95
23.88
23.01
20.41
19.45
19.91
22.72
18.18
20.41
22.49
88
52.03
Shares (diluted)M
72.86
86.30
102.7
108.5
115.3
127.5
150.2
179.1
186.6
221.0
53.50
13.89%
12.16%
93
17.21
Buyback yield%
4.77
5.04
3.30
0.51
1.65
3.97
0.99
0.40
0.40
0.40
27.02
0.40
1.32
14
79.17
Eq/Assets%
40.13
39.51
40.73
42.77
43.41
39.53
42.20
44.97
41.97
41.85
71.01
41.97
41.91
10
426.8
Assets€M
364.8
388.9
423.9
458.1
490.6
529.5
577.7
629.9
674.5
746.2
108.5
8.75%
8.31%
94
0.142
LT debt€B
0.426
0.484
0.562
0.664
0.696
0.814
0.946
0.900
0.998
1.165
0.059
10.86%
10.98%
18
Total assets
€746.2M
8.31%
0.95×
Revenue
€518.4M
8.89%
1.00×
Non-interest expense
€270.9M
8.86%
1.00×
Net interest income
76.20%
Non-interest income
23.80%