13.72
Revenue€M
15.21
16.07
16.97
18.44
19.94
21.13
22.54
24.49
26.21
28.17
14.84
7.15%
7.02%
56
4.66
Revenue growth%
9.04
10.56
8.00
10.30
12.54
12.62
15.47
12.50
12.91
12.33
5.52
12.62
12.42
40
18.02
NIM%
14.64
12.20
12.14
11.24
14.23
14.70
12.85
11.01
12.40
14.12
21.48
12.85
12.62
61
6.03
Effic. R.%
5.63
5.97
3.10
6.09
4.12
4.24
3.07
2.36
2.92
0.82
2.72
2.92
3.61
5
25.27
Net margin%
13.91
11.13
11.18
11.17
12.65
14.62
13.84
14.54
13.87
15.63
24.88
14.54
13.85
45
22.76
P/E ratio (avg)x
6.550
6.374
6.604
6.107
6.029
6.572
5.964
5.666
5.144
5.432
17.78
5.666
6.068
26
21.56
P/TBVx
25.98
23.49
22.04
19.15
17.54
18.60
17.69
15.75
13.54
14.53
27.15
15.75
18.15
87
36.80
P/Bx
24.01
24.97
28.87
31.62
36.18
36.73
39.38
47.87
52.61
59.41
27.39
47.87
36.45
25
27.72
NII€M
9.806
10.38
10.64
11.78
12.63
13.48
14.33
15.64
16.68
17.95
6.836
7.28%
7.20%
—
26.95
NII grth%
9.61
9.45
8.03
6.08
4.24
6.88
7.28
7.71
8.58
11.26
23.86
7.71
7.87
42
18.42
ROTE%
9.71
9.68
7.44
7.18
6.64
9.08
10.88
12.48
10.44
8.38
15.08
10.44
9.38
42
29.44
Return on equity%
7.41
9.52
9.43
8.79
10.09
7.81
7.11
4.71
3.93
6.31
24.00
6.31
7.61
90
4.62
Return on assets%
10.63
12.76
14.04
13.23
13.33
15.61
16.73
18.28
19.35
21.29
12.19
18.28
14.82
95
1.67
EPS€
1.28
1.17
1.30
1.22
1.16
1.04
0.92
1.00
0.98
1.01
1.77
(2.72%)
(1.58%)
—
13.32
EPS growth%
19.11
19.21
19.15
16.91
19.77
17.17
18.91
21.31
20.67
21.66
22.26
20.67
19.18
23
1.80
Bookvalue per sh€
3.21
3.56
3.70
4.29
4.59
4.82
5.48
5.37
6.21
7.23
0.85
9.53%
9.57%
—
1.88
TBV/sh€
1.95
2.16
2.15
2.16
2.22
2.52
2.84
3.31
3.80
4.16
1.62
13.42%
8.50%
—
1.75
Dividend per sh€
2.56
2.68
3.17
3.48
3.43
3.43
3.57
3.54
3.90
4.25
0.75
4.38%
6.41%
—
21.59
Div yield (avg)%
14.25
13.01
12.05
12.25
12.24
15.18
12.81
10.52
11.56
12.24
13.25
12.24
12.25
51
23.06
Payout ratio%
18.40
15.52
16.10
13.37
10.75
7.80
10.66
12.56
13.94
16.83
13.53
12.56
13.66
64
7.789
Shares (diluted)M
6.790
6.802
5.991
5.762
5.087
5.254
4.505
3.973
3.494
3.207
7.961
(8.81%)
(7.09%)
86
17.79
Buyback yield%
14.96
14.52
16.57
19.31
21.89
19.00
16.18
15.66
16.32
17.60
28.98
16.32
16.44
28
119.98
Eq/Assets%
15.78
14.89
14.68
15.57
14.07
14.98
13.82
12.16
12.77
14.12
151.47
13.82
14.40
83
3.375
Assets€M
23.19
25.60
27.12
30.88
33.58
36.00
40.83
44.46
48.51
53.97
10.14
9.95%
9.56%
79
7.254
LT debt€M
10.17
9.023
7.827
8.408
8.592
7.616
6.811
7.313
6.763
6.283
25.54
(6.07%)
(4.53%)
13
Total assets
€53.97M
9.56%
1.26×
Revenue
€28.17M
7.02%
1.00×
Non-interest expense
€13.73M
7.13%
1.01×
Net interest income
63.74%
Non-interest income
36.26%
Spread over hurdle
38.38%