49.42
Revenue€M
102.4
108.7
110.4
117.0
123.9
130.6
136.5
141.1
148.5
156.4
54.61
4.77%
4.80%
91
6.32
Revenue growth%
0.40
3.21
5.85
4.55
5.42
6.53
7.81
10.61
7.94
9.84
22.94
7.94
6.19
78
9.99
NIM%
8.45
7.64
9.32
8.83
6.10
7.52
9.25
9.63
6.89
9.49
4.19
9.25
8.64
65
3.25
Effic. R.%
28.27
30.92
31.38
32.90
35.10
33.38
35.77
35.98
35.23
37.89
2.96
35.77
34.24
32
20.15
Net margin%
4.54
7.04
9.82
9.03
11.00
9.02
10.30
8.92
10.39
11.63
2.74
10.30
9.42
69
30.33
P/E ratio (avg)x
23.00
24.66
27.89
31.48
32.69
37.20
37.33
36.32
41.78
39.05
7.511
37.33
34.51
92
17.12
P/TBVx
38.67
39.49
41.98
43.22
47.97
53.44
53.45
54.21
58.28
53.74
36.58
53.74
50.70
84
23.45
P/Bx
19.07
18.67
21.28
20.58
20.75
21.77
20.44
19.74
21.93
22.19
29.66
21.77
20.66
20
68.03
NII€M
70.96
75.59
76.70
81.56
84.70
91.49
94.63
96.20
103.8
107.0
103.9
4.79%
4.58%
—
15.43
NII grth%
18.62
19.29
17.03
17.42
14.85
17.64
15.06
13.84
14.21
13.17
13.74
14.21
16.04
53
18.00
ROTE%
2.87
1.50
2.70
4.09
4.51
4.65
1.85
0.40
0.40
0.51
21.74
0.51
2.27
41
28.96
Return on equity%
20.86
21.21
18.66
17.99
20.88
23.75
25.09
25.80
23.56
22.89
23.72
23.75
22.05
74
29.38
Return on assets%
13.36
15.42
15.56
14.45
16.64
15.39
17.55
19.47
21.48
23.23
12.00
19.47
16.10
66
0.68
EPS€
3.96
3.74
3.82
3.92
4.22
4.06
4.64
4.48
4.87
5.19
0.75
4.20%
4.12%
—
14.23
EPS growth%
27.53
28.52
30.28
30.15
27.69
25.44
27.24
28.41
27.16
28.46
27.47
27.24
28.05
25
3.10
Bookvalue per sh€
1.93
1.93
2.13
2.46
2.42
2.44
2.41
2.66
2.79
2.80
1.27
2.95%
4.79%
—
1.68
TBV/sh€
3.70
4.37
5.04
5.77
6.77
6.85
6.83
7.81
8.34
8.03
2.11
3.46%
8.60%
—
1.51
Dividend per sh€
1.22
1.36
1.39
1.47
1.70
1.82
1.84
2.01
2.37
2.86
2.85
11.03%
10.63%
—
18.24
Div yield (avg)%
11.60
14.03
16.98
15.93
17.37
19.56
19.29
20.68
18.97
20.37
28.89
19.56
18.17
24
9.63
Payout ratio%
22.06
19.78
18.53
16.19
14.93
16.91
17.63
18.61
16.00
13.21
10.67
16.91
17.27
5
32.88
Shares (diluted)M
29.29
30.38
32.73
34.89
37.45
36.68
41.34
40.78
37.48
41.43
33.22
2.04%
4.27%
54
27.24
Buyback yield%
12.99
12.07
10.96
10.43
10.81
11.47
10.05
12.48
13.76
15.02
11.81
12.48
11.77
56
108.19
Eq/Assets%
134.52
152.74
174.62
171.80
175.41
168.27
163.21
186.71
182.09
208.71
65.13
182.09
173.21
47
126.8
Assets€M
430.8
478.0
515.5
553.6
573.8
633.5
690.8
764.5
837.5
889.2
154.5
9.16%
8.30%
91
110.3
LT debt€M
201.4
198.0
205.0
217.3
219.9
260.2
310.2
350.3
413.5
450.2
39.82
15.40%
8.92%
91
Total assets
€889.2M
8.30%
1.39×
Revenue
€156.4M
4.80%
1.00×
Non-interest expense
€96.00M
4.74%
0.99×
Net interest income
68.43%
Non-interest income
31.57%