239.9
Revenue€M
251.1
254.6
262.2
271.5
281.9
285.4
296.8
297.1
296.4
307.3
266.8
1.74%
2.33%
84
12.63
Revenue growth%
20.68
18.33
20.65
19.75
20.90
22.79
21.04
20.32
22.52
21.44
25.41
21.44
20.79
58
3.24
NIM%
10.94
8.49
9.51
9.81
7.05
6.52
6.96
6.36
4.31
4.37
23.45
6.36
7.01
83
14.75
Effic. R.%
12.86
15.54
12.73
10.22
8.54
8.36
5.51
7.03
6.03
7.21
10.16
7.03
8.45
62
10.35
Net margin%
29.69
31.08
28.82
31.79
29.48
30.05
31.58
30.49
31.63
33.18
3.92
31.58
30.78
94
28.15
P/E ratio (avg)x
42.27
43.56
46.67
52.00
57.30
53.25
58.24
55.30
60.77
62.79
33.86
58.24
54.28
22
8.608
P/TBVx
44.25
39.59
37.40
37.81
41.99
46.24
50.65
46.82
48.28
43.27
7.880
46.82
43.76
34
19.06
P/Bx
26.30
28.65
30.91
31.96
28.63
26.35
27.65
29.17
31.63
29.23
19.93
29.17
28.91
19
210.2
NII€M
165.9
171.5
173.0
181.7
191.0
188.0
197.9
197.6
199.0
207.2
232.6
1.64%
2.43%
—
13.65
NII grth%
9.01
7.10
8.77
10.05
12.23
12.79
12.28
10.46
13.43
15.76
26.29
12.79
11.34
86
21.11
ROTE%
21.66
23.20
22.91
20.68
22.62
20.21
22.59
20.71
18.78
20.24
4.74
20.24
21.18
60
29.11
Return on equity%
7.31
5.19
5.08
4.49
3.59
2.76
3.54
5.14
7.26
8.21
12.03
5.14
5.11
79
2.41
Return on assets%
13.26
11.98
14.44
13.12
14.09
14.23
15.85
17.29
15.41
14.01
21.13
15.41
14.16
8
1.62
EPS€
0.51
0.59
0.64
0.67
0.80
0.84
0.95
1.01
1.18
1.39
1.66
11.88%
10.59%
—
8.82
EPS growth%
7.50
7.47
5.04
4.37
6.01
5.85
7.86
10.42
10.30
12.04
14.23
10.30
7.49
16
2.26
Bookvalue per sh€
1.41
1.53
1.76
1.69
1.91
2.03
1.97
2.17
2.10
2.26
2.14
3.42%
5.09%
—
2.24
TBV/sh€
0.96
1.08
1.24
1.32
1.41
1.54
1.72
1.74
1.77
1.78
1.89
4.76%
8.03%
—
0.65
Dividend per sh€
0.41
0.38
0.39
0.42
0.46
0.42
0.36
0.35
0.32
0.31
2.32
(7.64%)
(3.91%)
—
28.35
Div yield (avg)%
8.93
6.51
3.82
2.54
3.19
4.20
5.68
5.67
5.39
3.44
17.83
5.39
4.80
32
18.38
Payout ratio%
3.98
1.27
0.40
2.90
1.76
0.87
2.33
3.09
4.16
1.70
9.30
2.33
2.04
49
46.09
Shares (diluted)M
70.97
72.80
86.79
102.5
106.2
113.2
114.7
115.1
122.2
122.0
46.43
2.81%
6.23%
62
20.52
Buyback yield%
0.40
3.34
0.71
2.87
1.08
0.40
2.39
1.31
0.40
0.40
12.09
0.40
0.90
18
163.47
Eq/Assets%
193.04
220.33
223.62
245.58
245.52
255.23
272.35
274.57
321.30
336.70
108.83
274.57
250.41
80
0.299
Assets€B
0.680
0.754
0.808
0.898
0.967
1.023
1.092
1.169
1.245
1.361
0.079
7.09%
8.00%
90
198.8
LT debt€M
417.0
418.6
463.4
469.5
522.0
570.7
693.3
688.9
731.3
831.5
66.40
9.76%
9.03%
94
Total assets
€1.361B
8.00%
1.71×
Revenue
€307.3M
2.33%
1.00×
Non-interest expense
€139.9M
2.65%
1.03×
Net interest income
67.41%
Non-interest income
32.59%