0.762
Revenue€B
2.412
2.524
2.656
2.836
2.965
3.104
3.297
3.489
3.750
3.944
0.850
5.87%
5.59%
6
12.98
Revenue growth%
24.12
26.85
25.48
26.63
28.99
31.59
30.44
31.03
32.11
33.14
23.31
31.59
29.72
32
13.11
NIM%
17.96
15.68
13.55
13.97
12.44
10.51
8.22
10.94
12.89
14.46
24.95
10.94
13.22
44
19.99
Effic. R.%
6.97
4.83
4.10
1.63
0.42
2.72
3.28
3.52
5.16
5.77
18.88
3.52
3.81
18
23.74
Net margin%
4.71
6.34
4.08
1.81
0.40
0.40
0.40
0.40
0.40
0.40
21.05
0.40
0.40
8
20.13
P/E ratio (avg)x
13.48
13.57
13.10
13.19
13.14
14.52
15.84
17.80
18.34
20.45
15.29
17.80
14.05
63
9.300
P/TBVx
27.96
30.87
33.57
36.83
41.26
39.05
43.69
51.12
52.21
49.29
8.744
49.29
40.15
82
22.05
P/Bx
35.77
35.32
36.28
38.17
36.63
37.08
34.66
36.79
39.64
42.90
18.23
37.08
36.71
89
0.821
NII€B
1.771
1.865
1.918
2.068
2.147
2.270
2.422
2.528
2.707
2.894
1.077
6.15%
5.51%
—
5.21
NII grth%
28.18
26.80
25.76
25.52
24.55
24.60
23.74
22.78
21.68
18.74
20.80
22.78
24.58
68
24.52
ROTE%
13.86
12.54
14.73
14.65
14.43
15.91
16.65
16.04
17.79
18.70
11.19
16.65
15.32
13
27.64
Return on equity%
19.63
18.41
17.54
15.95
17.91
20.20
17.63
16.10
16.35
17.10
18.71
17.10
17.59
11
24.57
Return on assets%
22.42
20.01
17.62
16.45
14.45
16.86
16.36
14.14
12.19
12.06
10.82
14.14
16.40
82
7.04
EPS€
12.26
11.04
12.31
13.36
12.01
11.35
10.64
11.76
10.45
11.32
7.62
(1.18%)
(1.45%)
—
15.23
EPS growth%
8.25
11.12
10.62
13.31
11.83
12.20
14.17
16.68
17.72
18.31
6.67
16.68
12.75
87
5.09
Bookvalue per sh€
9.34
8.77
9.61
9.01
8.88
8.63
7.66
7.38
6.55
6.73
12.67
(5.40%)
(4.04%)
—
4.61
TBV/sh€
21.66
23.63
25.59
28.59
28.23
27.94
31.48
32.12
36.83
38.79
11.19
6.56%
6.37%
—
6.83
Dividend per sh€
8.31
8.79
10.28
11.03
10.90
10.85
10.59
12.41
14.29
16.39
12.63
8.50%
7.86%
—
25.09
Div yield (avg)%
31.60
32.35
33.76
34.18
31.66
31.38
32.71
31.29
34.08
33.19
21.17
32.71
32.53
38
9.85
Payout ratio%
4.61
3.17
1.03
2.86
0.69
0.40
0.40
0.40
2.59
5.49
7.39
0.40
1.81
94
75.14
Shares (diluted)M
91.86
103.7
101.4
98.05
105.4
106.7
124.1
138.8
153.6
170.6
78.22
10.11%
5.95%
6
23.78
Buyback yield%
10.60
9.14
10.49
7.85
5.71
5.76
4.98
7.87
9.75
7.36
13.41
7.36
7.86
83
83.77
Eq/Assets%
89.09
90.89
102.36
110.23
113.33
114.12
126.41
141.92
164.53
198.11
134.75
141.92
113.73
34
0.777
Assets€B
2.889
3.223
3.381
3.715
4.119
4.608
5.132
5.506
6.105
6.720
2.032
10.28%
9.75%
77
1.498
LT debt€B
2.993
2.620
2.336
2.353
2.173
2.033
2.176
2.060
1.927
1.890
2.545
(2.75%)
(4.47%)
81
Total assets
€6.720B
9.75%
1.47×
Revenue
€3.944B
5.59%
1.00×
Non-interest expense
€2.355B
5.65%
1.01×
Net interest income
73.38%
Non-interest income
26.62%