163.4
Revenue€M
134.5
141.2
147.5
157.8
163.9
169.7
179.7
190.9
206.5
222.8
176.2
6.34%
5.83%
92
22.47
Revenue growth%
17.45
15.76
16.94
15.36
12.36
9.78
9.10
6.56
4.76
5.98
23.24
6.56
11.07
11
8.22
NIM%
7.72
8.54
9.59
12.23
10.72
12.35
14.17
12.23
15.01
15.40
14.77
14.17
12.23
34
11.78
Effic. R.%
31.09
29.49
31.52
33.49
33.54
31.38
28.98
30.45
29.96
31.25
23.12
30.45
31.17
45
13.10
Net margin%
20.77
20.91
19.23
19.96
18.90
21.17
20.13
22.66
22.55
19.73
15.20
21.17
20.45
16
36.26
P/E ratio (avg)x
25.01
26.29
28.68
30.53
31.30
31.41
31.44
27.87
27.74
25.27
25.04
27.87
28.27
20
19.70
P/TBVx
20.91
22.75
22.95
23.05
24.73
24.20
26.17
23.65
20.76
21.33
32.76
23.65
23.00
64
37.78
P/Bx
17.68
19.20
17.22
18.01
18.54
16.72
16.53
15.55
14.92
14.68
36.67
15.55
16.97
33
184.3
NII€M
76.06
79.81
81.68
87.94
92.25
94.79
98.89
107.7
114.1
123.2
151.7
5.95%
5.89%
—
29.48
NII grth%
25.03
27.79
26.04
23.09
22.86
23.28
23.33
22.57
22.68
25.03
20.52
23.28
23.31
21
25.99
ROTE%
22.72
22.99
24.64
22.45
19.93
20.98
19.62
16.97
17.15
16.01
16.65
17.15
20.46
40
15.55
Return on equity%
29.37
26.49
28.04
27.57
28.04
25.61
23.22
25.62
28.29
25.57
26.09
25.61
27.03
23
10.07
Return on assets%
21.74
19.17
20.96
18.62
20.50
18.70
16.33
18.51
17.64
15.45
7.03
17.64
18.66
8
0.17
EPS€
0.12
0.11
0.12
0.12
0.13
0.12
0.14
0.13
0.14
0.16
0.17
3.29%
2.60%
—
25.94
EPS growth%
23.74
22.15
19.76
21.11
23.43
25.85
28.42
26.71
28.21
25.64
5.63
26.71
24.69
46
0.16
Bookvalue per sh€
0.32
0.33
0.30
0.29
0.30
0.35
0.39
0.37
0.43
0.46
0.15
8.56%
4.40%
—
0.18
TBV/sh€
0.18
0.19
0.19
0.20
0.18
0.17
0.17
0.17
0.19
0.17
0.30
(0.85%)
(0.97%)
—
0.17
Dividend per sh€
0.22
0.19
0.20
0.19
0.19
0.17
0.18
0.19
0.18
0.15
0.16
(4.42%)
(3.93%)
—
10.85
Div yield (avg)%
17.36
18.27
20.55
19.92
18.34
18.00
18.04
18.72
17.23
19.71
12.86
18.04
18.30
39
28.16
Payout ratio%
22.18
22.60
20.84
20.89
21.06
22.09
24.48
25.35
26.45
25.87
19.27
25.35
22.39
91
546.5
Shares (diluted)M
645.3
711.0
691.7
754.9
728.5
723.3
797.9
878.2
801.1
868.2
546.5
3.57%
3.84%
94
6.57
Buyback yield%
13.11
13.53
13.53
14.45
17.27
16.51
15.10
14.55
13.65
13.93
27.13
14.55
14.19
71
105.01
Eq/Assets%
32.41
35.89
36.14
36.57
41.88
44.58
50.89
53.42
61.24
63.83
89.23
53.42
43.23
7
0.165
Assets€B
0.573
0.629
0.677
0.759
0.845
0.904
0.941
1.064
1.125
1.223
0.089
7.67%
8.61%
73
164.3
LT debt€M
334.0
336.5
347.0
387.7
371.9
378.4
357.3
371.6
399.3
374.1
40.80
0.12%
1.53%
49
Total assets
€1.223B
8.61%
1.30×
Revenue
€222.8M
5.83%
1.00×
Non-interest expense
€111.6M
6.03%
1.02×
Net interest income
55.27%
Non-interest income
44.73%