1.984
Revenue€B
6.680
7.042
7.377
7.771
8.078
8.182
8.573
8.742
8.952
9.074
2.042
2.35%
3.31%
9
15.32
Revenue growth%
29.49
26.58
25.20
23.45
22.31
22.78
22.30
21.20
23.82
21.23
8.61
22.30
23.11
74
19.04
NIM%
20.19
17.44
16.48
13.50
11.33
11.72
12.00
14.25
13.59
13.43
23.63
13.43
13.54
40
27.39
Effic. R.%
15.89
17.40
18.17
18.02
15.19
14.83
16.37
18.47
17.22
19.30
16.59
17.22
17.31
43
25.00
Net margin%
19.16
16.70
14.40
11.69
13.72
12.72
13.07
10.49
9.50
7.65
12.96
10.49
12.90
16
13.59
P/E ratio (avg)x
36.10
40.05
46.58
47.82
52.97
53.66
53.95
58.42
57.40
55.88
34.99
55.88
53.32
90
26.05
P/TBVx
29.78
26.84
26.92
28.51
28.27
28.14
29.35
25.88
27.98
30.09
7.731
28.14
28.21
57
15.19
P/Bx
8.590
9.786
9.742
10.59
11.32
12.02
12.30
14.20
13.80
15.69
19.70
13.80
11.67
27
7.525
NII€B
4.879
5.102
5.416
5.606
5.859
5.952
6.171
6.334
6.506
6.670
6.278
2.63%
3.44%
—
6.99
NII grth%
24.20
24.30
26.50
25.80
28.17
29.97
28.97
31.88
29.58
31.95
9.24
29.97
28.57
18
27.11
ROTE%
10.72
10.14
9.26
9.79
10.45
8.07
10.77
10.17
8.83
8.93
4.88
8.93
9.96
46
12.49
Return on equity%
9.25
11.78
10.73
9.77
8.56
10.41
9.37
10.31
12.40
12.96
11.44
10.41
10.36
65
29.21
Return on assets%
18.54
15.90
14.40
13.37
14.78
16.75
18.35
16.51
16.58
17.14
27.01
16.75
16.55
21
0.49
EPS€
0.47
0.42
0.44
0.38
0.36
0.32
0.29
0.28
0.29
0.27
0.51
(5.71%)
(6.63%)
—
7.56
EPS growth%
20.52
22.34
23.40
24.36
27.04
24.17
26.10
27.24
29.23
31.77
5.16
27.24
25.23
35
0.40
Bookvalue per sh€
1.13
1.35
1.44
1.52
1.75
1.95
2.34
2.65
2.74
2.68
0.49
8.88%
9.81%
—
0.58
TBV/sh€
0.64
0.65
0.64
0.72
0.70
0.70
0.68
0.60
0.65
0.71
1.14
0.36%
1.40%
—
0.81
Dividend per sh€
0.92
0.92
0.93
0.84
0.82
0.76
0.76
0.69
0.77
0.77
0.70
(1.26%)
(1.11%)
—
14.90
Div yield (avg)%
14.60
14.22
15.46
17.08
19.47
21.40
20.94
18.99
16.52
17.02
23.45
18.99
17.05
18
25.14
Payout ratio%
16.49
16.21
14.30
13.06
12.20
12.25
13.70
13.94
11.92
13.55
25.79
13.55
13.62
25
2.100
Shares (diluted)B
3.123
3.699
3.626
4.354
5.106
5.233
5.728
6.244
6.426
6.637
2.125
5.39%
7.83%
6
25.30
Buyback yield%
6.42
8.77
6.00
4.62
4.86
4.31
5.57
3.44
6.01
8.51
12.95
5.57
5.78
33
111.90
Eq/Assets%
51.96
55.56
48.97
45.16
42.90
40.16
43.32
40.00
43.50
45.20
81.02
43.32
44.33
56
3.237
Assets€B
12.54
13.71
15.14
16.31
18.36
19.78
21.39
23.60
25.84
28.19
2.405
8.96%
8.88%
38
6.792
LT debt€B
1.480
1.616
1.728
1.726
1.902
2.065
2.050
2.228
2.405
2.615
4.700
6.57%
5.76%
76
Total assets
€28.19B
8.88%
1.69×
Revenue
€9.074B
3.31%
1.00×
Non-interest expense
€4.586B
3.52%
1.02×
Net interest income
73.51%
Non-interest income
26.49%