84.18
Revenue€M
97.37
101.9
108.0
116.5
123.7
132.8
138.3
148.5
156.0
162.3
90.14
5.58%
5.59%
24
18.36
Revenue growth%
25.61
24.69
26.45
29.03
29.90
29.11
27.29
25.98
26.85
25.82
23.51
26.85
26.65
15
4.92
NIM%
13.69
13.86
16.78
18.96
19.88
19.41
21.40
18.45
21.23
18.52
13.30
19.41
18.74
85
19.31
Effic. R.%
27.01
25.96
26.51
24.04
23.00
23.88
22.69
22.29
24.25
24.72
11.80
23.88
24.15
68
14.54
Net margin%
2.35
3.75
2.63
1.55
0.40
2.68
0.40
2.61
0.40
0.43
23.78
0.43
1.95
65
34.39
P/E ratio (avg)x
54.05
55.54
64.74
73.68
77.44
84.23
97.06
115.0
118.7
115.9
34.30
115.0
80.83
77
19.76
P/TBVx
20.00
21.47
22.32
23.71
23.29
27.27
28.82
29.51
31.10
35.06
22.59
29.51
25.49
85
27.83
P/Bx
13.38
12.66
13.48
15.23
14.89
16.75
18.09
17.60
17.48
18.12
21.82
17.60
15.99
29
56.54
NII€M
66.55
68.99
73.74
78.56
82.95
90.06
93.16
101.2
104.8
110.4
50.82
5.88%
5.64%
—
4.98
NII grth%
11.61
13.47
12.02
13.18
12.51
13.16
12.71
14.72
17.24
15.28
24.79
14.72
13.17
27
6.74
ROTE%
28.42
26.41
28.24
27.72
29.44
31.11
32.94
32.38
34.07
32.77
20.19
32.77
30.27
17
29.18
Return on equity%
10.00
9.06
8.46
11.34
12.87
13.26
10.83
10.98
8.17
6.06
28.87
10.83
10.41
34
28.65
Return on assets%
19.11
20.05
20.95
22.18
22.90
23.68
25.79
27.43
28.36
26.46
10.83
26.46
23.29
16
20.20
EPS€
12.35
11.05
10.76
9.90
9.52
9.64
8.95
9.30
10.17
11.00
21.48
2.93%
(2.00%)
—
22.73
EPS growth%
26.34
26.05
26.06
24.19
22.36
20.72
22.07
22.51
22.28
23.85
11.84
22.28
23.18
54
7.56
Bookvalue per sh€
5.63
5.97
5.81
5.41
4.96
4.80
4.49
4.87
4.91
5.12
5.84
0.64%
(0.31%)
—
17.65
TBV/sh€
21.32
20.52
20.58
24.31
27.82
26.97
26.47
28.55
28.80
33.09
20.49
3.53%
6.28%
—
8.43
Dividend per sh€
4.80
4.26
4.25
3.84
3.69
3.65
3.22
3.31
3.51
3.77
8.74
0.43%
(3.21%)
—
12.46
Div yield (avg)%
4.90
5.65
8.63
6.22
5.50
7.51
7.48
8.95
11.37
8.85
8.32
8.85
7.50
36
16.56
Payout ratio%
23.20
20.23
23.10
23.97
26.40
27.53
29.32
29.91
27.03
26.92
16.17
27.53
26.66
10
6.078
Shares (diluted)M
6.667
7.006
6.674
7.153
7.624
7.473
7.252
7.987
7.509
7.512
6.293
(0.30%)
0.82%
45
13.98
Buyback yield%
19.99
20.17
19.29
19.03
18.23
19.42
21.74
20.37
23.06
20.72
9.05
20.72
20.08
56
129.31
Eq/Assets%
123.28
115.92
124.75
139.02
150.21
152.90
147.89
140.36
136.06
128.66
62.94
140.36
137.54
20
70.14
Assets€M
402.5
429.0
462.4
518.6
551.4
606.4
654.5
681.8
757.0
841.1
119.3
8.81%
8.65%
21
117.9
LT debt€M
64.48
63.39
61.07
64.21
66.66
57.25
58.72
56.66
48.73
48.77
131.4
(6.06%)
(4.35%)
77
Total assets
€841.1M
8.65%
1.33×
Revenue
€162.3M
5.59%
1.00×
Non-interest expense
€89.06M
5.84%
1.02×
Net interest income
68.01%
Non-interest income
31.99%