4.066
Revenue€B
1.660
1.783
1.933
2.067
2.200
2.347
2.495
2.735
2.895
3.111
4.542
7.17%
7.51%
25
14.86
Revenue growth%
7.98
10.50
10.83
8.66
8.87
7.58
8.37
11.37
13.07
10.18
14.14
10.18
9.53
61
4.28
NIM%
21.23
24.10
23.49
21.32
19.58
19.00
17.01
16.12
15.73
16.47
13.30
16.47
19.29
39
23.30
Effic. R.%
15.12
15.96
18.21
16.66
16.75
14.15
14.81
14.19
11.57
10.17
4.91
14.15
14.96
72
24.39
Net margin%
22.51
20.65
18.14
15.44
17.46
18.28
16.08
13.84
15.34
17.33
21.54
16.08
17.39
74
22.38
P/E ratio (avg)x
53.55
57.72
62.01
63.00
65.78
71.05
66.85
65.34
59.30
58.53
28.19
65.34
62.50
69
7.504
P/TBVx
16.34
18.76
18.95
20.32
21.30
20.70
23.03
21.31
21.13
24.23
23.29
21.31
20.91
26
27.20
P/Bx
23.26
25.24
26.90
31.47
31.13
36.45
41.27
48.30
48.40
51.32
36.46
48.30
33.96
40
3.435
NII€B
1.019
1.103
1.178
1.268
1.342
1.456
1.540
1.669
1.766
1.878
1.022
6.96%
7.32%
—
24.31
NII grth%
15.46
14.23
16.80
15.98
15.06
16.90
16.35
14.06
11.26
12.65
28.05
14.06
15.26
27
21.47
ROTE%
22.41
22.69
24.25
26.95
25.47
27.58
25.34
25.11
27.85
29.57
9.75
27.58
25.41
80
21.45
Return on equity%
1.67
4.40
4.35
2.01
0.40
0.40
2.66
4.56
3.54
2.92
21.91
2.92
2.79
84
6.44
Return on assets%
5.00
2.86
4.35
2.04
1.74
2.14
0.81
0.40
1.41
0.40
27.41
0.81
1.89
63
1.70
EPS€
1.03
1.08
1.26
1.45
1.43
1.41
1.45
1.64
1.87
1.96
1.78
6.49%
7.53%
—
19.16
EPS growth%
21.98
21.55
23.30
25.52
26.34
27.61
25.70
24.21
24.22
24.29
6.34
24.29
24.26
8
1.64
Bookvalue per sh€
1.17
1.12
1.12
1.31
1.25
1.45
1.45
1.64
1.85
1.95
0.84
9.33%
6.49%
—
1.88
TBV/sh€
0.72
0.77
0.75
0.84
0.85
0.98
1.03
1.02
1.01
1.04
0.86
4.14%
3.24%
—
1.58
Dividend per sh€
1.84
2.13
2.17
2.15
2.54
2.61
2.52
2.74
2.88
3.23
1.13
4.92%
6.34%
—
22.49
Div yield (avg)%
20.24
22.26
23.41
25.68
25.03
23.18
21.43
19.19
18.92
16.07
25.96
19.19
21.84
88
16.65
Payout ratio%
14.81
14.69
13.15
16.00
18.99
18.41
20.22
17.64
18.47
20.64
10.42
18.47
18.02
85
0.952
Shares (diluted)B
1.698
1.904
2.082
2.223
2.510
2.707
3.152
3.752
4.501
4.475
0.943
12.26%
11.37%
31
15.91
Buyback yield%
25.00
26.20
27.91
27.05
29.53
30.17
32.03
29.67
29.58
32.42
9.04
30.17
29.56
57
177.20
Eq/Assets%
88.90
91.81
92.14
95.22
103.55
109.03
115.66
122.39
130.80
131.76
80.22
122.39
106.29
46
4.319
Assets€B
3.300
3.506
3.696
3.915
4.364
4.704
5.088
5.441
5.836
6.379
2.216
7.89%
7.51%
17
4.159
LT debt€B
2.089
2.378
2.761
3.042
3.408
3.386
3.538
4.042
4.425
4.778
3.726
6.99%
9.80%
87
Total assets
€6.379B
7.51%
1.00×
Revenue
€3.111B
7.51%
1.00×
Non-interest expense
€1.822B
7.72%
1.02×
Net interest income
60.37%
Non-interest income
39.63%