3.974
Revenue€B
11.37
11.51
11.66
11.62
11.59
11.85
11.69
11.51
11.43
11.21
4.375
(0.67%)
0.05%
94
10.37
Revenue growth%
13.61
14.54
13.58
13.60
12.69
14.72
13.19
11.33
13.87
15.39
14.08
13.87
13.61
81
15.64
NIM%
24.96
27.60
29.42
26.62
25.92
24.11
26.96
27.37
28.89
31.83
8.02
27.37
27.16
43
13.34
Effic. R.%
21.39
18.50
17.15
14.98
12.85
10.61
9.72
12.16
9.53
10.22
5.85
10.22
12.50
12
13.96
Net margin%
19.39
20.83
18.99
21.89
21.57
23.62
21.38
19.74
17.50
15.52
10.73
19.74
20.28
14
34.53
P/E ratio (avg)x
33.38
34.95
34.16
31.84
33.74
36.12
38.58
39.95
40.72
40.50
21.10
39.95
35.54
29
33.83
P/TBVx
51.60
56.03
54.19
51.65
59.06
63.58
68.43
67.95
66.65
74.65
23.48
67.95
61.32
66
26.23
P/Bx
46.60
47.05
52.91
57.29
66.84
72.01
74.79
73.10
74.88
87.04
32.33
74.79
69.43
69
8.996
NII€B
7.966
8.102
8.257
8.159
8.105
8.406
8.196
8.235
8.078
7.892
3.606
(0.53%)
(0.13%)
—
25.19
NII grth%
5.70
3.64
6.04
5.16
4.54
7.33
9.66
10.74
8.65
10.67
21.39
9.66
6.68
10
29.54
ROTE%
6.16
7.92
6.86
8.23
5.51
5.63
4.06
2.64
5.54
3.29
4.25
4.06
5.59
29
23.79
Return on equity%
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.68
2.55
1.53
10.54
0.68
0.40
80
28.43
Return on assets%
11.53
11.89
9.71
11.09
13.05
11.28
10.60
12.59
12.53
14.57
9.25
12.53
11.71
87
4.40
EPS€
3.04
3.02
3.34
3.47
3.85
3.72
3.47
3.53
3.43
3.02
4.74
(4.73%)
(0.32%)
—
28.19
EPS growth%
12.68
14.92
17.86
19.69
16.96
15.77
15.33
15.58
13.23
14.42
21.58
15.33
15.46
16
6.19
Bookvalue per sh€
3.76
4.04
4.59
4.80
4.80
5.46
5.30
5.24
6.12
6.55
6.87
6.43%
5.35%
—
1.02
TBV/sh€
2.99
3.23
3.43
3.48
3.60
3.28
3.24
3.23
2.95
3.00
4.63
(3.61%)
—
—
5.44
Dividend per sh€
6.22
6.77
6.35
6.05
5.95
6.18
6.84
6.77
7.19
7.86
3.43
5.73%
1.39%
—
24.40
Div yield (avg)%
18.04
16.74
16.68
17.28
18.75
16.44
15.11
17.39
19.30
19.30
11.95
17.39
17.34
39
9.43
Payout ratio%
11.30
11.14
13.77
12.31
12.63
13.26
13.25
11.19
14.18
12.84
3.07
13.25
12.73
51
0.335
Shares (diluted)B
0.547
0.563
0.666
0.760
0.768
0.922
0.970
1.015
1.123
1.140
0.320
8.22%
9.17%
47
25.67
Buyback yield%
11.40
9.72
7.77
9.31
7.35
5.04
6.81
7.96
5.34
7.28
14.44
6.81
7.56
29
24.14
Eq/Assets%
38.53
40.28
42.82
46.08
47.81
48.78
48.53
46.84
42.79
46.89
78.87
46.89
46.46
87
5.631
Assets€B
3.470
3.848
4.110
4.446
4.707
4.919
5.371
5.749
6.378
6.915
3.755
8.00%
7.97%
22
0.944
LT debt€B
6.332
6.017
5.661
5.651
4.981
4.435
4.598
4.294
3.938
3.798
3.293
(5.28%)
(5.06%)
14
Total assets
€6.915B
7.97%
2.14×
Revenue
€11.21B
0.05%
1.00×
Non-interest expense
€5.976B
0.32%
1.03×
Net interest income
70.39%
Non-interest income
29.61%
Return on capital
199.23%