40.70
Revenue€M
46.09
49.74
52.86
57.21
61.44
65.10
71.12
74.93
80.11
84.61
43.63
6.61%
7.13%
21
8.30
Revenue growth%
9.62
10.25
7.79
10.32
7.61
6.93
4.48
7.40
4.78
2.16
25.78
4.78
7.50
94
13.31
NIM%
10.15
10.24
12.61
11.57
8.58
9.10
8.72
11.26
10.44
10.24
29.98
10.24
10.24
20
20.00
Effic. R.%
17.86
17.85
17.62
14.74
17.14
15.85
15.58
17.23
16.40
15.75
2.22
15.85
16.77
19
15.23
Net margin%
12.67
11.77
14.12
11.26
13.75
13.59
14.71
12.30
12.61
14.24
19.21
13.59
13.13
68
18.76
P/E ratio (avg)x
16.35
17.01
16.00
14.62
16.02
16.46
15.71
16.99
16.51
14.84
34.13
16.46
16.18
56
35.11
P/TBVx
16.19
14.67
15.59
15.54
15.45
16.06
14.06
15.24
14.68
15.39
22.21
15.24
15.42
72
6.691
P/Bx
8.684
7.796
7.893
7.472
7.508
7.161
6.294
6.602
6.939
7.567
17.59
6.939
7.490
53
21.06
NII€M
32.67
34.83
36.82
40.17
43.58
45.44
49.53
53.43
56.11
59.19
62.09
6.32%
7.04%
—
4.93
NII grth%
7.62
7.89
6.53
4.82
6.83
8.31
7.42
5.09
6.39
3.83
23.84
6.39
6.68
53
21.71
ROTE%
23.14
25.89
24.73
26.38
28.95
26.85
26.54
24.46
23.39
23.20
4.30
24.46
25.31
93
26.66
Return on equity%
18.17
18.14
19.40
20.25
17.46
19.32
16.62
17.57
19.30
20.47
5.06
19.30
18.74
79
18.24
Return on assets%
4.02
2.01
1.98
0.40
0.40
0.40
0.40
0.40
0.49
0.40
25.18
0.40
0.40
29
0.34
EPS€
0.41
0.40
0.37
0.36
0.37
0.42
0.40
0.45
0.43
0.47
0.36
4.80%
2.75%
—
17.34
EPS growth%
15.35
17.25
16.65
13.73
16.24
18.91
17.88
15.31
15.10
14.75
21.03
15.31
15.80
38
0.21
Bookvalue per sh€
0.25
0.28
0.27
0.27
0.32
0.32
0.38
0.45
0.53
0.55
0.21
11.26%
7.92%
—
0.23
TBV/sh€
0.12
0.12
0.13
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.05
7.44%
4.78%
—
0.06
Dividend per sh€
0.25
0.22
0.19
0.17
0.17
0.18
0.16
0.17
0.16
0.16
0.27
(1.92%)
(5.76%)
—
9.91
Div yield (avg)%
16.15
13.33
12.71
11.38
9.31
7.07
7.73
10.24
7.88
8.88
9.63
7.88
9.77
58
28.57
Payout ratio%
12.65
14.77
14.01
14.52
13.04
10.22
11.22
9.34
9.55
8.30
2.72
9.55
11.94
46
105.6
Shares (diluted)M
84.25
86.07
95.35
95.56
97.43
102.1
111.2
98.73
85.97
92.90
104.0
(0.95%)
0.79%
32
4.03
Buyback yield%
17.66
20.28
20.79
18.95
17.71
17.46
17.70
20.12
21.90
22.98
21.56
20.12
19.54
66
161.06
Eq/Assets%
151.79
140.03
138.00
135.77
136.06
148.63
141.56
133.59
131.22
141.41
103.30
141.41
139.01
35
104.6
Assets€M
189.6
206.5
227.6
240.5
255.0
274.8
307.7
329.6
367.6
391.4
65.03
8.95%
8.15%
70
54.97
LT debt€M
135.0
144.5
148.7
168.2
173.8
192.2
223.2
218.4
251.2
245.5
81.62
7.15%
6.63%
58
Total assets
€391.4M
8.15%
1.10×
Revenue
€84.61M
7.13%
1.00×
Non-interest expense
€39.67M
7.12%
1.00×
Net interest income
69.96%
Non-interest income
30.04%