15.98
Revenue€M
262.7
265.8
269.0
270.4
268.2
265.2
265.3
272.7
279.2
276.6
16.93
0.62%
0.63%
9
7.83
Revenue growth%
8.56
10.98
10.32
9.01
7.42
6.23
5.50
7.64
5.79
7.65
5.92
6.23
7.65
25
21.68
NIM%
25.30
22.96
20.99
18.51
19.07
21.82
22.59
21.45
19.93
19.51
10.65
21.45
21.22
87
12.70
Effic. R.%
28.16
25.42
27.85
30.32
29.16
30.73
29.83
27.74
29.51
31.37
18.40
29.83
29.33
57
24.14
Net margin%
9.70
12.54
15.28
16.71
17.25
14.67
16.21
14.85
12.54
10.02
27.95
14.67
14.76
10
34.81
P/E ratio (avg)x
11.62
10.15
9.193
8.505
8.330
8.703
8.915
9.098
9.735
9.523
15.54
9.098
9.146
78
18.09
P/TBVx
17.15
15.19
16.42
15.65
15.66
13.79
13.41
12.43
11.74
12.47
21.53
12.47
14.49
65
11.90
P/Bx
29.88
30.22
28.41
27.84
30.19
27.62
25.01
23.60
21.30
22.26
17.75
23.60
27.73
19
286.4
NII€M
163.7
165.2
165.7
169.7
168.8
164.1
167.0
172.1
171.9
173.8
151.8
0.59%
0.70%
—
7.82
NII grth%
23.41
23.07
23.84
25.63
24.53
25.01
27.94
28.98
30.16
29.87
8.52
28.98
25.32
47
23.66
ROTE%
21.31
21.74
20.42
23.16
22.19
20.49
22.58
24.12
22.13
19.45
7.53
22.13
21.93
94
11.41
Return on equity%
21.18
23.02
20.71
23.15
25.01
27.18
25.84
28.62
29.33
32.23
25.51
28.62
25.42
78
25.40
Return on assets%
13.32
11.37
8.62
11.40
11.74
8.86
9.09
11.02
10.05
11.07
27.45
10.05
11.04
70
0.46
EPS€
0.27
0.28
0.29
0.32
0.29
0.30
0.30
0.33
0.35
0.39
0.47
5.99%
4.67%
—
23.93
EPS growth%
4.56
1.60
4.25
2.23
1.63
0.49
0.40
0.40
0.40
0.40
22.44
0.40
1.05
84
0.09
Bookvalue per sh€
0.28
0.28
0.28
0.28
0.28
0.31
0.33
0.40
0.48
0.57
0.20
14.95%
8.98%
—
0.46
TBV/sh€
0.19
0.21
0.22
0.23
0.26
0.24
0.28
0.32
0.31
0.31
0.25
3.86%
5.41%
—
0.43
Dividend per sh€
0.18
0.20
0.21
0.24
0.27
0.26
0.29
0.32
0.33
0.36
0.10
6.22%
7.12%
—
20.38
Div yield (avg)%
23.69
22.17
21.98
23.17
25.87
25.21
23.82
22.02
24.89
22.85
23.14
23.82
23.43
78
22.42
Payout ratio%
16.24
15.45
18.13
17.95
19.18
19.43
20.91
21.53
21.68
23.87
23.34
21.53
19.31
83
329.8
Shares (diluted)M
382.9
357.0
400.5
405.2
407.4
447.6
494.2
537.7
588.2
584.6
334.4
7.49%
4.46%
57
20.90
Buyback yield%
21.22
20.76
21.82
20.08
18.85
21.76
24.59
24.35
22.09
24.44
26.16
24.35
21.79
48
19.40
Eq/Assets%
159.58
167.76
173.85
161.43
158.83
164.63
153.26
147.95
147.39
141.34
153.17
147.95
159.20
91
0.292
Assets€B
0.908
0.962
1.036
1.112
1.170
1.312
1.448
1.567
1.704
1.852
0.111
9.61%
7.80%
89
293.1
LT debt€M
28.28
29.19
31.01
29.41
33.10
35.04
35.92
34.22
32.42
32.06
347.4
(0.64%)
2.12%
93
Total assets
€1.852B
7.80%
1.99×
Revenue
€276.6M
0.63%
1.00×
Non-interest expense
€164.5M
0.75%
1.01×
Net interest income
62.84%
Non-interest income
37.16%