132.3
Revenue€M
163.5
179.0
190.5
203.5
218.9
237.4
250.2
266.9
288.5
307.4
141.9
7.03%
7.32%
39
11.00
Revenue growth%
8.40
8.65
10.92
13.28
14.95
15.13
14.42
15.11
15.08
12.58
12.54
15.08
13.85
14
3.29
NIM%
27.46
27.53
24.64
24.99
27.22
28.79
26.03
25.88
25.16
23.68
28.54
25.88
25.95
18
9.33
Effic. R.%
24.81
26.75
28.31
30.73
33.47
34.65
33.83
36.53
35.87
33.29
15.30
34.65
33.38
9
21.06
Net margin%
7.11
6.31
7.34
4.60
2.35
2.56
1.66
1.40
0.99
3.05
20.71
1.66
2.81
30
33.20
P/E ratio (avg)x
33.54
30.74
33.28
32.26
28.93
27.03
27.17
26.20
27.83
25.18
28.05
27.03
28.38
20
21.64
P/TBVx
13.27
14.94
15.83
18.23
17.62
16.53
18.77
19.48
21.67
25.14
16.44
19.48
17.93
14
11.19
P/Bx
20.09
19.36
17.88
16.66
14.87
13.42
14.90
14.87
14.03
12.50
17.06
14.03
14.88
38
265.9
NII€M
116.8
127.7
138.9
148.0
157.0
173.4
180.9
193.3
209.0
222.5
291.2
7.22%
7.40%
—
26.14
NII grth%
28.24
25.53
22.71
20.93
18.80
20.46
20.45
22.66
22.33
23.64
7.39
22.33
22.50
14
20.83
ROTE%
26.11
23.70
25.86
25.85
28.18
27.79
25.85
23.59
26.06
24.40
12.40
25.85
25.85
92
4.52
Return on equity%
19.89
18.96
20.71
17.79
19.39
17.78
19.78
20.88
23.45
23.46
7.49
20.88
19.83
66
16.35
Return on assets%
9.09
9.29
8.33
9.78
9.02
11.15
10.90
12.30
12.70
10.25
25.42
11.15
10.02
24
2.66
EPS€
4.23
4.08
4.13
4.20
4.40
4.23
4.17
4.55
5.06
5.42
2.94
4.25%
3.65%
—
15.28
EPS growth%
18.24
15.28
13.39
13.21
10.22
8.35
7.82
7.53
5.47
3.78
15.70
7.53
9.29
31
9.11
Bookvalue per sh€
5.02
5.11
4.68
5.05
4.59
4.46
4.80
4.34
4.63
4.97
3.28
1.60%
0.46%
—
3.05
TBV/sh€
7.82
7.34
7.03
6.76
6.50
5.98
5.46
4.79
4.83
5.17
3.87
(4.47%)
(3.32%)
—
3.19
Dividend per sh€
3.68
3.24
3.18
3.52
3.37
3.21
3.08
2.82
2.73
2.97
6.48
(2.51%)
(1.49%)
—
8.13
Div yield (avg)%
3.31
3.97
1.61
0.40
0.40
2.31
1.05
3.81
6.22
8.03
2.66
3.81
2.81
45
4.91
Payout ratio%
29.18
26.93
26.76
24.76
22.41
23.36
25.59
24.98
27.62
30.13
17.90
25.59
26.17
17
20.31
Shares (diluted)M
28.64
27.29
27.51
29.96
31.32
31.85
36.64
37.82
36.97
40.53
19.62
5.29%
4.96%
74
18.94
Buyback yield%
9.39
10.07
11.82
10.04
8.13
9.42
9.29
8.94
8.71
6.92
25.97
8.94
9.34
89
32.08
Eq/Assets%
69.14
78.98
90.92
99.33
109.76
108.72
129.34
137.62
141.44
160.53
82.12
137.62
109.24
43
0.181
Assets€B
0.885
0.964
1.036
1.117
1.268
1.406
1.552
1.685
1.763
1.965
0.134
9.17%
9.06%
69
211.2
LT debt€M
400.8
459.9
539.3
625.0
656.0
775.5
813.8
955.9
912.2
969.5
121.0
8.13%
9.51%
30
Total assets
€1.965B
9.06%
1.17×
Revenue
€307.4M
7.32%
1.00×
Non-interest expense
€182.3M
7.46%
1.01×
Net interest income
72.38%
Non-interest income
27.62%