0.857
Revenue€M
0.876
0.893
0.910
0.928
0.960
1.012
1.032
1.089
1.138
1.176
0.892
4.15%
3.27%
71
21.09
Revenue growth%
7.83
5.81
4.78
2.51
0.40
1.87
2.98
4.61
2.77
0.67
28.52
2.77
2.87
92
3.27
NIM%
28.94
27.97
28.70
30.73
33.46
35.11
32.15
29.21
28.26
27.00
27.27
29.21
29.07
49
20.30
Effic. R.%
31.12
30.22
28.54
26.73
25.38
25.66
22.89
22.66
25.28
23.01
5.75
23.01
25.52
77
12.81
Net margin%
26.45
24.20
21.70
22.27
21.86
19.69
16.93
18.49
21.31
20.89
7.23
19.69
21.50
6
28.96
P/E ratio (avg)x
14.03
15.15
16.16
15.89
16.37
17.90
20.75
20.42
19.24
18.89
18.19
19.24
17.13
17
20.44
P/TBVx
35.39
37.34
34.85
36.45
39.84
39.90
40.99
37.11
33.33
36.32
10.27
37.11
36.78
38
33.23
P/Bx
4.813
5.239
5.295
5.664
6.226
6.054
6.453
6.778
6.431
6.400
20.12
6.431
6.140
19
0.532
NII€M
0.664
0.675
0.682
0.693
0.729
0.753
0.780
0.815
0.865
0.879
1.239
3.80%
3.25%
—
8.80
NII grth%
25.91
25.15
24.06
21.34
20.70
18.59
17.15
15.50
17.73
18.80
29.08
17.73
19.75
82
4.71
ROTE%
20.88
21.73
22.16
23.09
21.61
23.63
23.02
22.64
24.38
25.69
17.97
23.63
22.83
32
16.25
Return on equity%
16.32
16.43
14.90
16.89
15.32
17.10
19.15
19.91
22.71
24.96
3.03
19.91
16.99
51
25.56
Return on assets%
23.77
24.66
23.33
21.79
21.07
22.83
24.78
24.16
22.59
24.53
9.96
24.16
23.55
45
5.82
EPS€
3.85
3.65
3.74
3.97
3.74
4.10
3.94
4.47
5.16
5.50
6.14
8.01%
4.23%
—
19.74
EPS growth%
17.06
18.13
17.89
20.67
21.09
21.78
19.60
20.87
19.85
18.63
18.43
19.85
19.73
41
5.17
Bookvalue per sh€
4.18
4.67
5.41
5.68
5.79
5.42
5.46
5.21
5.16
5.29
3.09
(1.79%)
2.38%
—
6.67
TBV/sh€
4.54
5.03
4.96
4.90
4.97
5.17
5.38
5.63
5.57
5.69
3.66
2.73%
2.35%
—
2.69
Dividend per sh€
11.10
12.42
13.88
14.26
15.83
17.73
19.86
19.60
20.99
21.98
2.48
6.79%
8.45%
—
17.46
Div yield (avg)%
17.31
15.32
15.87
16.94
17.62
18.16
20.35
20.82
23.37
22.21
24.52
20.82
17.89
43
16.02
Payout ratio%
7.26
7.31
8.95
10.78
10.72
9.17
7.92
7.67
4.86
4.47
14.33
7.67
7.80
45
0.111
Shares (diluted)M
0.116
0.129
0.140
0.145
0.150
0.143
0.133
0.126
0.133
0.135
0.114
(2.08%)
0.91%
19
15.09
Buyback yield%
23.24
21.09
23.14
20.73
21.30
18.57
20.93
18.50
19.93
20.34
14.07
19.93
20.83
25
84.55
Eq/Assets%
58.84
56.66
54.18
53.40
49.35
46.87
45.61
51.55
55.21
61.83
140.47
51.55
53.79
49
0.736
Assets€M
3.366
3.604
3.834
4.310
4.658
4.982
5.272
5.713
6.132
6.517
1.331
6.94%
8.14%
75
1.291
LT debt€M
0.391
0.440
0.482
0.449
0.420
0.428
0.406
0.373
0.419
0.424
0.063
0.19%
0.19%
10
Total assets
€6.517M
8.14%
1.59×
Revenue
€1.176M
3.27%
1.00×
Non-interest expense
€0.682M
3.45%
1.02×
Net interest income
74.72%
Non-interest income
25.28%