102.7
Revenue€M
290.8
313.0
331.8
354.7
388.3
420.8
456.2
492.9
522.6
553.6
105.4
7.35%
7.26%
88
23.43
Revenue growth%
21.97
20.89
18.43
20.27
19.55
18.98
19.39
18.60
16.92
17.64
19.15
18.60
19.18
57
18.13
NIM%
8.64
7.96
6.76
6.85
8.16
8.40
6.48
6.23
3.27
4.39
2.33
6.23
6.81
12
12.71
Effic. R.%
8.89
6.83
7.97
4.98
6.89
7.50
6.91
6.86
8.79
9.37
15.28
7.50
7.21
31
26.25
Net margin%
3.51
4.79
2.53
4.24
4.26
3.89
3.34
2.86
3.32
5.88
22.05
3.34
3.70
76
10.12
P/E ratio (avg)x
25.75
27.65
29.11
30.57
34.16
30.70
32.02
32.05
32.98
30.40
34.11
32.02
30.63
15
34.87
P/TBVx
22.58
20.60
19.81
18.63
18.63
20.33
22.72
22.81
24.73
25.04
13.77
22.81
21.59
39
14.91
P/Bx
11.09
11.28
11.81
12.98
12.52
14.01
14.46
14.22
13.66
13.58
22.40
14.01
13.28
31
245.4
NII€M
187.6
207.6
214.1
233.6
257.4
276.1
296.9
324.2
339.6
364.0
78.01
7.18%
7.34%
—
7.64
NII grth%
11.20
9.90
9.32
9.04
7.05
4.64
2.38
1.51
2.15
3.92
20.10
2.38
5.85
80
24.76
ROTE%
22.59
20.47
23.41
21.88
19.63
19.41
18.94
15.96
13.69
15.98
6.63
15.98
19.52
38
11.17
Return on equity%
33.26
31.14
33.77
35.96
34.35
31.37
34.14
33.58
30.62
29.37
2.61
31.37
33.42
23
16.25
Return on assets%
28.30
28.84
31.47
31.88
30.25
27.68
24.74
25.32
22.92
21.10
24.09
24.74
27.99
81
9.81
EPS€
17.75
19.22
17.96
17.15
15.94
16.84
19.20
19.77
22.72
25.24
10.99
9.62%
4.85%
—
20.11
EPS growth%
26.78
27.41
25.40
25.07
24.58
24.15
25.31
22.41
24.38
24.20
19.32
24.20
24.82
62
7.12
Bookvalue per sh€
8.45
9.94
9.56
10.12
10.94
11.35
13.24
14.72
16.39
19.45
4.73
12.20%
8.30%
—
2.59
TBV/sh€
3.18
3.19
3.20
3.62
4.13
3.97
3.88
4.32
4.07
4.56
10.20
1.99%
4.76%
—
2.91
Dividend per sh€
3.96
4.04
3.96
4.13
4.05
4.08
4.18
3.93
3.77
3.40
3.85
(3.44%)
(2.62%)
—
9.96
Div yield (avg)%
12.82
13.15
14.28
15.41
14.44
12.51
9.61
10.06
7.53
5.27
6.03
9.61
12.67
63
24.18
Payout ratio%
1.98
0.40
2.69
1.43
0.40
0.40
2.20
3.86
6.63
6.60
3.49
3.86
2.09
36
37.88
Shares (diluted)M
44.21
50.31
51.01
53.28
56.77
63.60
60.39
66.40
68.92
74.48
37.00
5.58%
6.88%
80
6.90
Buyback yield%
9.15
6.74
8.57
7.57
6.92
8.86
11.42
8.90
7.61
10.39
8.26
8.90
8.72
59
61.86
Eq/Assets%
135.24
127.46
113.44
108.67
109.37
113.08
120.62
113.29
108.69
113.84
17.70
113.29
113.37
24
0.154
Assets€B
1.566
1.642
1.750
1.915
2.165
2.320
2.491
2.818
3.029
3.374
0.301
9.28%
8.76%
36
517.2
LT debt€M
339.8
356.9
394.2
370.6
430.7
480.5
557.8
527.5
606.5
681.8
543.7
9.62%
7.18%
5
Total assets
€3.374B
8.76%
1.15×
Revenue
€553.6M
7.26%
1.00×
Non-interest expense
€346.0M
7.48%
1.02×
Net interest income
65.75%
Non-interest income
34.25%