0.257
Revenue€M
1.523
1.595
1.700
1.842
1.971
2.092
2.178
2.316
2.499
2.686
0.283
6.39%
6.65%
91
14.83
Revenue growth%
8.09
8.53
9.83
12.11
10.77
9.72
9.00
6.96
4.87
5.03
26.14
6.96
8.76
93
25.84
NIM%
31.01
33.77
32.00
29.09
29.03
27.12
27.51
27.16
25.46
26.89
21.43
27.12
28.27
28
23.38
Effic. R.%
11.25
13.61
10.83
8.10
9.49
7.98
8.62
10.16
11.00
10.26
14.82
10.16
10.21
78
15.14
Net margin%
3.90
1.12
0.40
0.40
0.40
0.42
0.40
2.12
0.40
0.40
15.42
0.40
0.40
20
16.33
P/E ratio (avg)x
7.877
8.826
9.638
10.48
12.08
11.57
12.08
13.91
14.49
14.28
26.98
13.91
11.82
40
16.50
P/TBVx
30.83
34.44
32.85
34.93
37.52
37.27
37.69
41.08
43.21
46.76
24.69
41.08
37.40
53
28.62
P/Bx
10.20
9.958
10.35
11.30
11.96
12.25
12.91
13.01
13.84
13.43
25.70
13.01
12.10
88
0.269
NII€M
1.169
1.230
1.321
1.413
1.505
1.630
1.667
1.793
1.904
2.071
1.150
6.60%
6.71%
—
13.94
NII grth%
15.14
14.43
13.07
15.63
14.01
15.30
15.51
16.25
15.64
15.84
9.74
15.64
15.40
50
9.92
ROTE%
20.01
22.65
21.97
20.52
23.26
21.73
20.71
21.41
18.51
20.59
13.22
20.71
21.06
8
13.77
Return on equity%
9.91
12.45
10.20
8.50
8.42
8.16
5.85
5.67
5.77
8.25
16.07
5.85
8.33
28
19.85
Return on assets%
10.82
10.12
10.13
11.17
9.83
9.09
10.47
10.53
11.14
12.43
28.11
10.53
10.50
73
0.01
EPS€
—
—
—
—
—
—
—
—
—
—
0.01
(2.48%)
(1.56%)
—
17.01
EPS growth%
13.94
14.72
17.25
16.81
14.00
13.63
16.08
19.03
21.57
20.86
28.35
19.03
16.44
74
—
Bookvalue per sh€
0.01
0.02
0.02
0.01
0.02
0.02
0.02
0.02
0.03
0.03
—
13.11%
9.88%
—
0.01
TBV/sh€
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
—
—
(8.53%)
(3.67%)
—
0.01
Dividend per sh€
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
3.68%
2.91%
—
12.89
Div yield (avg)%
1.13
2.95
5.21
7.03
9.57
9.75
8.74
9.92
11.96
10.31
6.12
9.92
9.16
15
21.20
Payout ratio%
22.33
24.91
23.86
24.23
21.26
21.86
20.57
21.38
24.12
25.17
7.92
21.86
23.09
8
150.4
Shares (diluted)M
161.6
158.2
157.0
149.6
139.1
138.9
124.9
110.6
106.7
99.42
150.5
(6.49%)
(4.15%)
79
4.13
Buyback yield%
13.82
15.63
17.98
20.82
18.81
19.60
19.00
19.19
20.32
22.75
10.02
19.60
19.10
5
86.39
Eq/Assets%
212.67
200.54
215.02
242.10
284.39
322.10
349.53
397.82
379.53
408.80
132.87
379.53
303.24
34
2.569
Assets€M
7.144
8.072
8.754
9.441
9.893
10.83
11.56
12.16
13.63
14.60
0.312
8.09%
8.61%
37
2.011
LT debt€M
0.312
0.267
0.280
0.280
0.247
0.219
0.224
0.214
0.226
0.233
0.459
(1.22%)
(4.10%)
65
Total assets
€14.60M
8.61%
1.20×
Revenue
€2.686M
6.65%
1.00×
Non-interest expense
€1.314M
6.66%
1.00×
Net interest income
77.12%
Non-interest income
22.88%