191.9
Revenue€M
208.6
211.0
211.6
219.6
229.0
234.9
241.9
251.8
255.2
260.7
209.1
2.63%
2.55%
70
27.93
Revenue growth%
10.91
9.96
7.87
6.45
5.56
3.94
5.35
2.64
3.04
5.24
12.49
3.94
5.46
59
21.80
NIM%
21.17
18.78
15.81
14.17
13.82
15.41
12.41
14.65
16.27
18.43
17.33
15.41
15.61
14
27.22
Effic. R.%
25.85
27.60
30.13
31.43
32.74
31.82
32.56
29.88
27.05
25.89
7.57
29.88
30.01
57
11.28
Net margin%
23.07
24.69
26.25
25.41
24.85
23.86
25.71
24.61
22.38
21.56
27.26
23.86
24.65
56
8.641
P/E ratio (avg)x
49.04
58.55
66.04
78.35
81.70
79.48
82.92
87.83
100.6
113.2
32.74
87.83
80.59
48
7.350
P/TBVx
34.15
31.75
36.79
35.44
38.56
42.31
43.71
50.20
57.54
57.20
37.46
50.20
40.44
15
34.87
P/Bx
20.66
19.85
21.63
21.67
20.35
20.03
20.68
20.41
18.90
18.99
21.04
20.03
20.38
17
240.4
NII€M
139.5
139.5
141.4
145.7
149.9
155.4
161.1
165.8
167.7
169.7
262.9
2.51%
2.57%
—
3.05
NII grth%
18.39
20.66
20.33
18.86
18.88
20.96
20.35
23.11
24.17
24.59
17.00
23.11
20.50
27
11.50
ROTE%
20.50
17.94
20.77
20.33
19.61
19.53
16.89
16.68
18.16
17.38
10.04
17.38
18.84
32
8.60
Return on equity%
8.22
7.11
5.76
3.12
3.12
3.57
1.17
3.30
4.30
2.66
26.55
3.30
3.44
67
13.35
Return on assets%
26.14
24.81
26.84
26.66
28.29
29.09
29.99
27.07
29.12
31.48
15.95
29.12
27.68
83
8.48
EPS€
5.81
5.42
4.98
4.86
5.29
5.26
4.66
4.87
4.30
4.49
8.83
(3.20%)
(1.69%)
—
15.35
EPS growth%
11.75
10.76
11.99
9.34
11.76
13.55
13.48
15.47
17.08
18.22
5.39
15.47
12.73
21
6.43
Bookvalue per sh€
22.00
25.00
25.66
29.56
27.47
31.40
29.60
29.71
27.26
30.57
4.49
2.16%
2.80%
—
7.66
TBV/sh€
3.14
2.76
2.99
3.26
3.30
3.28
3.42
3.03
3.15
2.86
13.31
(2.79%)
(2.33%)
—
10.10
Dividend per sh€
17.37
20.12
20.60
21.17
24.91
29.18
30.58
33.06
37.64
44.73
6.91
12.42%
9.52%
—
20.85
Div yield (avg)%
15.52
14.21
13.41
15.83
17.32
19.06
16.17
13.55
11.37
9.86
20.43
13.55
14.86
82
25.63
Payout ratio%
14.98
13.92
12.71
15.31
15.18
14.53
11.65
12.59
10.68
13.66
23.05
12.59
13.79
85
4.691
Shares (diluted)M
5.151
6.006
6.715
7.697
7.655
8.134
9.634
10.08
10.70
11.74
4.534
8.92%
8.64%
78
6.80
Buyback yield%
0.40
0.40
0.40
0.40
0.40
0.40
0.40
1.02
0.40
1.61
15.61
0.40
0.40
14
78.80
Eq/Assets%
66.58
58.27
64.33
57.60
64.20
58.74
53.98
60.09
59.18
52.12
27.91
58.74
58.96
91
0.074
Assets€B
0.691
0.764
0.805
0.911
1.013
1.140
1.216
1.314
1.419
1.493
0.184
8.06%
8.33%
92
277.0
LT debt€M
309.1
323.2
375.6
432.4
413.6
430.5
474.5
462.9
530.5
571.9
136.1
6.69%
6.82%
32
Total assets
€1.493B
8.33%
1.73×
Revenue
€260.7M
2.55%
1.00×
Non-interest expense
€132.6M
2.50%
0.99×
Net interest income
65.10%
Non-interest income
34.90%