58.26
Revenue€M
102.3
106.3
111.4
114.9
119.0
122.3
128.8
134.2
139.6
142.4
61.60
3.65%
3.48%
35
15.93
Revenue growth%
29.38
30.87
30.59
32.72
30.72
31.40
31.90
30.70
31.73
30.36
19.77
31.40
30.79
86
2.63
NIM%
7.52
7.04
8.23
10.00
11.49
8.73
8.37
7.15
7.64
5.08
17.61
7.64
7.94
63
19.20
Effic. R.%
17.91
17.77
15.82
14.36
14.56
13.69
15.37
15.01
12.59
14.94
26.30
14.94
14.97
27
18.71
Net margin%
3.07
2.18
0.40
3.01
2.39
5.33
4.28
3.10
1.48
0.40
19.83
3.10
2.70
73
22.42
P/E ratio (avg)x
27.29
31.58
32.47
30.34
32.40
35.08
37.49
38.99
42.21
41.33
37.45
38.99
33.77
14
8.846
P/TBVx
22.68
23.22
22.50
22.89
25.65
28.97
28.51
27.84
26.82
30.19
18.33
28.51
26.23
45
6.079
P/Bx
10.66
10.56
10.55
10.57
9.955
10.17
10.53
10.53
10.40
9.721
33.42
10.40
10.53
37
82.37
NII€M
62.11
63.86
68.31
69.50
70.93
73.78
77.39
81.86
84.76
86.42
25.86
4.03%
3.35%
—
28.47
NII grth%
33.48
34.79
35.88
37.89
39.97
37.67
37.67
34.99
32.56
34.23
11.78
34.99
35.43
53
6.24
ROTE%
20.42
23.08
21.66
23.26
24.47
25.27
26.64
25.67
24.25
22.65
10.97
25.27
23.76
70
17.77
Return on equity%
15.83
13.95
12.67
11.03
8.63
8.97
9.74
8.67
9.27
7.00
13.59
8.97
9.51
46
19.22
Return on assets%
30.05
29.77
30.24
31.69
33.19
34.89
33.55
32.82
35.49
37.34
16.75
34.89
33.01
13
4.55
EPS€
1.80
1.82
2.00
2.33
2.47
2.94
3.51
3.89
4.68
5.14
4.74
15.78%
11.04%
—
16.91
EPS growth%
10.30
9.32
11.85
14.47
11.73
9.29
8.93
7.15
4.67
2.00
24.66
7.15
9.30
66
5.80
Bookvalue per sh€
4.76
4.51
4.59
5.07
5.55
6.30
6.31
7.03
6.73
7.94
1.19
7.41%
6.31%
—
8.03
TBV/sh€
6.56
6.86
6.46
5.75
5.48
5.86
5.96
5.42
5.48
5.32
4.66
(0.61%)
(2.28%)
—
1.45
Dividend per sh€
4.61
4.61
5.08
5.30
5.46
5.14
5.60
5.70
6.20
5.70
2.21
0.88%
2.07%
—
27.15
Div yield (avg)%
26.23
27.07
26.30
27.21
30.06
30.90
28.54
30.08
28.54
26.31
21.18
28.54
27.87
83
21.10
Payout ratio%
11.20
13.03
10.99
8.44
10.08
12.32
12.63
13.35
11.67
13.05
6.13
12.63
12.00
53
14.71
Shares (diluted)M
19.47
19.51
18.43
18.40
21.26
22.94
25.51
29.27
34.01
39.38
14.54
13.12%
6.97%
93
22.40
Buyback yield%
22.95
22.16
20.80
21.91
22.48
23.06
23.30
23.75
24.52
26.64
7.34
23.75
23.00
36
78.42
Eq/Assets%
77.73
70.61
71.72
76.22
69.11
63.17
64.76
66.47
66.05
57.08
74.74
64.76
67.79
91
125.3
Assets€M
422.4
461.4
504.6
530.1
589.9
621.0
689.1
728.3
770.8
866.8
89.96
8.00%
8.60%
60
69.11
LT debt€M
13.44
14.99
14.32
13.95
14.16
15.45
17.48
15.92
15.25
14.72
74.78
0.78%
0.05%
74
Total assets
€866.8M
8.60%
1.62×
Revenue
€142.4M
3.48%
1.00×
Non-interest expense
€73.14M
3.49%
1.00×
Net interest income
60.70%
Non-interest income
39.30%