40.51
Revenue€M
58.78
64.47
68.41
71.81
76.30
82.19
88.95
97.55
107.1
113.4
44.83
8.25%
7.40%
32
16.47
Revenue growth%
32.85
33.96
31.97
33.55
31.83
28.93
29.02
26.67
24.93
23.72
23.13
26.67
30.43
42
18.67
NIM%
9.40
11.79
14.16
15.29
16.70
16.56
16.11
14.42
12.66
12.81
19.46
14.42
14.29
28
25.74
Effic. R.%
10.85
11.13
8.76
10.06
9.64
11.28
14.07
14.13
16.72
15.90
11.26
14.13
11.20
12
7.44
Net margin%
28.41
26.76
25.70
24.01
25.85
25.61
23.59
23.05
25.78
23.14
24.42
23.59
25.65
6
29.87
P/E ratio (avg)x
28.15
30.93
29.45
30.26
27.71
25.23
24.20
22.35
22.88
20.81
30.25
22.88
26.47
35
29.51
P/TBVx
7.867
7.736
6.677
6.548
7.091
7.207
7.502
6.882
5.993
5.309
29.28
6.882
6.986
52
17.81
P/Bx
28.73
32.89
36.32
35.57
39.49
43.39
41.47
44.45
46.72
47.28
29.25
44.45
40.48
44
35.79
NII€M
36.04
38.77
41.89
43.75
47.19
49.95
54.02
58.93
65.86
69.77
13.94
8.13%
7.46%
—
2.50
NII grth%
6.07
6.94
9.01
8.28
9.68
8.75
7.78
10.42
9.79
11.98
29.64
9.79
8.88
51
12.11
ROTE%
3.77
3.95
1.73
3.07
5.82
7.54
10.02
10.32
8.57
6.97
23.46
8.57
6.39
18
9.63
Return on equity%
0.40
2.82
1.00
2.57
4.85
2.42
4.69
3.72
1.93
4.80
4.00
3.72
2.70
28
22.54
Return on assets%
14.85
17.20
14.43
15.44
17.34
19.55
19.00
17.89
15.42
12.94
10.43
17.89
16.32
33
2.24
EPS€
6.44
6.93
7.57
8.13
8.06
7.71
7.02
6.94
6.25
6.65
2.41
(3.78%)
(1.24%)
—
6.44
EPS growth%
11.77
14.50
13.80
15.34
18.31
18.35
17.14
17.80
18.68
16.36
20.58
17.80
16.75
82
5.49
Bookvalue per sh€
11.17
12.77
13.98
13.82
14.51
13.90
14.19
15.42
17.26
16.22
1.92
2.26%
3.80%
—
8.16
TBV/sh€
3.59
3.84
3.71
3.76
3.29
3.42
3.45
3.16
3.00
3.13
2.98
(0.99%)
(0.67%)
—
4.16
Dividend per sh€
9.43
10.06
11.24
11.94
12.80
14.42
16.21
18.17
19.54
17.93
8.35
6.97%
7.03%
—
16.53
Div yield (avg)%
11.58
10.48
13.39
10.50
9.46
11.71
10.97
12.34
14.47
17.10
10.70
12.34
11.65
47
8.04
Payout ratio%
16.38
16.52
15.56
17.30
19.78
20.39
17.61
18.02
16.89
17.21
20.77
17.61
17.26
72
8.166
Shares (diluted)M
9.954
10.41
10.34
10.83
10.74
12.70
12.74
14.79
16.83
17.47
7.869
10.23%
5.57%
69
12.73
Buyback yield%
7.60
4.98
5.83
5.36
5.71
6.04
3.20
1.70
0.40
0.40
21.08
1.70
5.17
64
139.06
Eq/Assets%
65.62
70.17
61.48
56.96
59.39
65.48
60.08
58.45
53.91
49.90
47.66
58.45
59.73
94
34.72
Assets€M
324.0
340.1
375.7
395.2
433.2
482.0
510.8
569.6
621.8
691.3
98.29
9.80%
8.72%
20
86.53
LT debt€M
86.09
93.22
93.68
95.34
110.0
116.7
118.6
129.3
141.6
164.4
17.33
8.38%
8.35%
59
Total assets
€691.3M
8.72%
1.13×
Revenue
€113.4M
7.40%
1.00×
Non-interest expense
€66.33M
7.26%
0.99×
Net interest income
61.51%
Non-interest income
38.49%