1.637
Revenue€B
0.995
1.047
1.096
1.115
1.170
1.205
1.229
1.255
1.305
1.320
1.815
2.45%
3.02%
90
19.03
Revenue growth%
18.70
20.49
19.46
21.86
21.82
20.04
22.23
22.56
20.67
22.15
6.77
22.15
21.25
33
16.32
NIM%
4.09
4.96
4.30
5.70
6.13
7.54
9.59
7.70
4.85
6.70
2.78
7.54
5.91
93
13.52
Effic. R.%
10.45
7.54
9.14
7.54
8.64
9.70
8.97
10.39
12.94
13.35
5.69
10.39
9.42
67
24.31
Net margin%
18.47
17.86
18.52
17.37
16.71
17.17
17.52
19.61
16.77
14.86
5.79
17.17
17.44
50
6.176
P/E ratio (avg)x
19.07
19.82
18.77
20.68
21.71
20.04
18.72
21.02
23.52
22.92
16.85
21.02
20.36
48
36.93
P/TBVx
42.72
43.84
44.64
45.53
42.70
44.97
41.08
43.94
48.05
54.79
25.82
44.97
44.29
72
16.74
P/Bx
7.965
7.165
7.553
6.661
6.747
6.749
7.217
6.239
5.383
5.561
29.18
6.239
6.748
19
0.385
NII€B
0.579
0.609
0.641
0.653
0.687
0.688
0.703
0.739
0.752
0.769
1.696
2.26%
3.16%
—
17.01
NII grth%
4.80
3.59
0.78
0.40
3.15
5.13
2.90
5.84
7.80
8.78
27.36
5.84
4.20
21
28.18
ROTE%
4.47
5.82
5.13
6.54
4.80
2.66
2.01
0.40
2.20
3.75
2.64
2.20
4.11
60
17.24
Return on equity%
26.89
26.01
23.33
22.18
21.12
24.04
25.16
27.99
30.31
32.17
21.49
27.99
25.58
61
26.62
Return on assets%
15.30
12.56
13.39
14.15
12.73
11.08
12.19
11.60
10.36
12.88
21.14
11.60
12.65
93
3.97
EPS€
5.41
5.00
5.25
4.98
5.36
5.76
5.55
5.23
4.73
5.07
4.21
(1.10%)
(1.54%)
—
25.23
EPS growth%
6.08
6.24
7.79
7.96
10.21
12.09
12.17
9.58
11.81
11.65
8.75
11.81
9.89
71
1.59
Bookvalue per sh€
9.78
11.29
13.53
14.41
16.76
18.20
21.90
23.30
27.41
27.06
7.57
10.05%
11.73%
—
3.18
TBV/sh€
1.96
2.06
1.88
1.79
1.55
1.49
1.46
1.33
1.16
1.17
8.40
(5.47%)
(4.43%)
—
2.59
Dividend per sh€
4.03
4.76
5.24
5.34
5.96
6.98
7.19
8.04
7.95
8.45
1.85
7.22%
7.23%
—
7.71
Div yield (avg)%
8.91
10.81
8.69
8.03
10.93
10.21
12.74
10.40
13.37
16.28
11.16
12.74
10.60
37
15.25
Payout ratio%
13.59
12.14
11.78
11.47
9.10
6.28
7.54
5.20
6.14
8.96
10.06
6.28
9.03
34
72.07
Shares (diluted)M
60.86
60.57
58.47
62.55
62.01
56.44
54.64
54.38
58.66
64.12
68.87
0.67%
0.43%
13
26.75
Buyback yield%
7.80
6.88
4.43
7.10
4.66
6.93
8.34
10.92
10.66
8.11
25.19
8.34
7.45
26
87.79
Eq/Assets%
133.90
145.32
145.71
157.56
174.34
178.68
200.91
207.42
242.38
231.87
98.38
207.42
176.51
42
0.522
Assets€B
4.902
5.152
5.536
5.951
6.499
7.163
7.638
8.473
9.104
9.858
0.142
8.69%
8.37%
44
0.696
LT debt€B
1.663
1.909
2.207
2.159
2.113
2.023
2.114
2.333
2.680
2.865
0.140
6.27%
5.95%
47
Total assets
€9.858B
8.37%
1.66×
Revenue
€1.320B
3.02%
1.00×
Non-interest expense
€772.3M
3.28%
1.03×
Net interest income
58.20%
Non-interest income
41.80%