65.26
Revenue€M
86.03
94.07
102.9
111.6
117.6
125.6
135.0
142.3
151.9
165.4
72.71
7.07%
7.35%
60
5.52
Revenue growth%
16.54
18.09
15.67
17.70
16.76
19.70
21.42
21.33
21.97
20.03
4.08
21.33
18.90
87
18.82
NIM%
5.36
7.34
5.89
8.34
9.88
8.55
9.44
9.76
9.14
7.54
19.12
9.14
8.45
91
26.10
Effic. R.%
16.38
19.19
17.10
15.20
12.24
10.29
12.41
11.30
13.80
14.35
29.53
12.41
14.07
81
5.77
Net margin%
7.00
6.17
4.71
7.23
7.26
5.49
8.10
10.18
9.83
7.81
5.44
8.10
7.24
71
29.79
P/E ratio (avg)x
37.17
35.50
39.93
44.72
44.70
45.51
51.94
49.40
48.92
51.87
23.40
49.40
45.12
16
12.50
P/TBVx
48.74
51.54
55.21
56.90
59.52
57.56
60.44
57.93
67.13
78.77
10.76
60.44
57.75
27
35.62
P/Bx
35.16
38.38
37.89
34.73
33.97
35.16
34.60
34.99
33.95
32.62
19.01
34.60
34.86
60
37.28
NII€M
68.69
73.68
80.48
89.15
91.94
98.78
105.8
111.4
121.0
130.1
108.2
7.19%
7.35%
—
25.62
NII grth%
10.43
8.68
11.06
12.76
10.48
8.39
8.97
6.95
5.32
6.52
22.97
6.95
8.83
50
23.24
ROTE%
7.72
10.04
12.26
12.46
15.31
16.14
17.05
17.18
16.20
15.75
20.25
16.20
15.53
63
3.65
Return on equity%
12.96
15.08
16.22
13.69
14.93
14.54
14.75
16.83
19.53
17.85
17.83
16.83
15.01
26
24.60
Return on assets%
9.31
12.24
10.13
11.90
14.53
15.99
14.71
15.10
14.05
13.04
8.87
14.71
13.55
43
2.34
EPS€
2.43
2.34
2.45
2.31
2.58
2.35
2.51
2.29
2.19
2.45
2.51
(0.96%)
(0.38%)
—
13.57
EPS growth%
13.60
11.08
11.54
10.90
10.30
7.99
5.12
2.75
3.59
6.33
25.21
5.12
9.14
40
1.62
Bookvalue per sh€
3.31
3.53
3.91
3.83
3.65
4.09
4.34
4.27
4.85
5.19
2.16
7.31%
4.11%
—
2.58
TBV/sh€
0.98
1.08
1.24
1.36
1.26
1.32
1.27
1.41
1.45
1.65
1.86
5.50%
5.18%
—
0.97
Dividend per sh€
2.14
2.24
2.48
2.51
2.89
3.18
3.39
3.86
4.08
4.82
0.52
10.78%
9.24%
—
26.34
Div yield (avg)%
24.62
21.80
21.06
20.89
21.93
23.62
24.37
23.11
20.19
18.97
19.52
23.11
21.87
53
23.70
Payout ratio%
11.71
8.90
6.45
6.62
9.56
11.51
12.95
13.06
10.47
8.59
5.13
11.51
10.02
58
18.92
Shares (diluted)M
19.17
21.44
22.36
21.64
21.39
21.06
23.35
24.45
24.13
26.65
19.31
4.49%
2.75%
78
26.97
Buyback yield%
11.73
11.94
10.87
13.18
11.69
12.92
14.85
12.48
11.82
9.89
27.88
12.48
11.88
65
142.65
Eq/Assets%
16.75
16.48
16.96
17.45
18.36
20.04
18.62
18.22
16.04
16.95
75.91
18.22
17.21
84
53.21
Assets€M
187.8
207.6
222.3
240.0
258.5
283.4
307.4
334.3
375.0
423.4
17.83
10.37%
10.04%
52
104.5
LT debt€M
10.55
9.684
9.245
9.905
9.952
8.973
8.473
7.306
7.455
7.639
56.77
(5.15%)
(3.16%)
82
Total assets
€423.4M
10.04%
1.28×
Revenue
€165.4M
7.35%
1.00×
Non-interest expense
€91.01M
7.64%
1.03×
Net interest income
78.65%
Non-interest income
21.35%