17.42
Revenue€M
289.8
303.1
313.2
313.8
325.8
328.2
341.3
346.5
359.7
365.4
19.32
2.32%
2.72%
91
22.20
Revenue growth%
15.70
12.78
15.60
16.73
14.76
12.73
11.32
10.65
13.12
13.31
10.52
12.73
13.22
56
24.37
NIM%
6.49
5.98
3.65
1.19
0.80
3.62
4.53
7.45
4.83
3.49
13.78
4.53
4.09
14
26.03
Effic. R.%
26.92
24.95
27.68
25.80
27.34
28.86
25.96
26.07
24.62
24.96
22.40
25.96
26.01
47
10.63
Net margin%
19.37
19.97
20.35
19.16
18.75
18.61
16.57
19.52
22.29
24.87
14.85
19.52
19.45
20
7.613
P/E ratio (avg)x
8.197
8.449
9.397
9.733
10.15
9.868
11.11
12.59
14.38
13.55
29.04
12.59
10.01
44
18.33
P/TBVx
28.87
25.98
24.64
22.76
24.28
25.64
27.08
27.42
26.17
24.94
37.05
26.17
25.81
73
36.59
P/Bx
33.70
38.99
40.90
39.65
42.36
43.25
48.15
48.11
54.31
51.65
14.86
48.15
42.81
76
152.6
NII€M
197.9
206.4
211.1
217.3
222.7
225.0
236.0
234.2
248.9
253.2
255.8
2.60%
2.98%
—
11.81
NII grth%
4.35
4.09
4.69
7.61
6.88
8.50
9.81
11.57
10.14
12.06
21.15
10.14
8.05
48
15.27
ROTE%
29.71
32.38
33.52
34.37
34.64
31.69
29.55
30.21
28.06
26.97
17.45
29.55
30.95
18
13.89
Return on equity%
12.91
11.34
9.67
11.92
9.27
8.76
6.62
7.80
6.66
7.88
15.87
7.80
9.02
64
7.93
Return on assets%
30.49
30.72
28.72
27.91
27.56
26.91
29.27
26.67
28.02
25.14
5.14
26.91
27.96
87
0.69
EPS€
0.75
0.80
0.89
0.86
0.86
0.90
0.83
0.95
0.96
0.93
0.74
1.59%
1.62%
—
12.39
EPS growth%
7.34
6.59
8.97
9.46
11.06
11.13
9.63
10.60
11.63
9.54
12.67
10.60
9.58
36
0.46
Bookvalue per sh€
0.66
0.61
0.66
0.65
0.59
0.58
0.65
0.70
0.79
0.73
0.48
4.16%
0.75%
—
0.29
TBV/sh€
1.41
1.69
2.01
2.42
2.80
3.34
3.24
3.44
3.48
3.68
0.21
5.64%
9.99%
—
0.35
Dividend per sh€
1.09
1.16
1.15
1.15
1.08
1.23
1.16
1.17
1.15
1.18
1.23
1.87%
1.32%
—
25.61
Div yield (avg)%
20.00
19.04
21.29
18.31
20.98
22.18
20.10
20.39
22.67
23.31
16.26
22.18
20.69
26
21.75
Payout ratio%
13.36
15.55
15.49
13.59
11.49
10.63
10.29
9.81
8.03
10.60
7.05
10.29
11.06
17
75.43
Shares (diluted)M
104.2
120.0
113.4
116.2
111.0
105.3
99.90
102.3
116.7
110.4
75.13
(0.11%)
0.88%
59
9.17
Buyback yield%
19.21
22.05
22.78
23.84
23.91
23.69
23.53
25.55
23.29
25.07
5.58
23.69
23.61
59
83.70
Eq/Assets%
142.23
146.77
154.62
144.02
143.62
150.62
153.50
149.29
163.69
172.92
67.44
153.50
149.96
31
0.048
Assets€B
1.064
1.168
1.304
1.336
1.430
1.612
1.767
1.841
2.072
2.226
0.248
9.24%
9.14%
77
262.1
LT debt€M
114.4
118.8
102.0
109.3
112.7
119.5
129.6
115.9
109.6
96.68
251.0
(3.02%)
(1.11%)
58
Total assets
€2.226B
9.14%
1.83×
Revenue
€365.4M
2.72%
1.00×
Non-interest expense
€202.5M
2.76%
1.00×
Net interest income
69.30%
Non-interest income
30.70%