45.08
Revenue€M
40.51
42.88
46.13
50.93
54.35
59.39
64.79
70.93
78.34
84.03
49.99
9.10%
8.47%
13
27.79
Revenue growth%
28.00
29.21
26.61
28.52
29.44
26.47
25.24
23.67
21.64
19.76
19.40
23.67
26.54
27
5.41
NIM%
6.23
8.89
10.83
7.93
7.36
5.16
3.35
2.33
1.19
0.40
18.10
2.33
5.69
14
15.70
Effic. R.%
16.23
18.23
18.50
18.66
17.06
15.69
17.91
19.87
18.50
17.71
19.15
17.91
18.07
43
25.60
Net margin%
22.26
25.10
25.03
24.07
25.17
23.18
24.47
24.98
27.22
27.91
14.19
24.98
25.00
31
15.00
P/E ratio (avg)x
56.96
66.72
80.04
84.80
99.69
110.2
106.9
108.0
114.2
130.2
21.84
110.2
103.3
32
29.49
P/TBVx
20.32
19.83
21.87
20.10
21.65
20.59
21.19
21.04
20.54
20.17
30.43
20.59
20.57
14
6.102
P/Bx
60.74
64.39
71.17
79.50
78.58
81.35
90.88
98.77
109.6
116.5
29.16
98.77
80.42
12
38.82
NII€M
28.72
29.89
32.72
35.87
38.91
41.80
45.85
50.77
55.07
58.82
37.01
8.62%
8.24%
—
13.06
NII grth%
22.90
20.02
19.16
20.19
17.41
18.19
20.19
21.38
20.66
21.79
11.78
20.66
20.19
29
2.36
ROTE%
23.97
21.67
22.17
20.56
22.81
22.05
24.59
24.99
26.00
24.19
29.55
24.59
23.39
94
15.10
Return on equity%
19.96
17.88
20.17
18.88
17.82
16.57
16.93
17.38
16.37
17.02
11.25
16.93
17.60
93
22.69
Return on assets%
19.48
20.88
18.92
18.81
17.29
16.16
18.01
16.88
15.01
12.92
13.75
16.16
17.65
76
0.52
EPS€
0.27
0.31
0.38
0.37
0.36
0.38
0.43
0.44
0.49
0.48
0.53
5.58%
6.29%
—
27.76
EPS growth%
21.09
20.11
20.37
20.81
20.33
18.45
17.31
17.94
18.61
20.33
4.63
18.45
20.22
63
0.28
Bookvalue per sh€
0.54
0.47
0.51
0.54
0.53
0.51
0.52
0.50
0.48
0.49
0.36
(1.61%)
(0.59%)
—
0.41
TBV/sh€
0.52
0.46
0.41
0.36
0.33
0.31
0.30
0.31
0.30
0.32
0.42
(0.64%)
(3.82%)
—
0.21
Dividend per sh€
0.39
0.43
0.42
0.45
0.44
0.45
0.46
0.52
0.57
0.59
0.35
6.13%
5.84%
—
22.82
Div yield (avg)%
9.81
11.46
12.71
12.51
11.96
14.29
14.49
12.41
13.52
13.10
21.99
13.52
12.61
11
24.21
Payout ratio%
8.92
10.17
11.84
12.10
13.56
12.21
12.03
9.44
8.56
8.31
6.55
9.44
11.01
74
134.1
Shares (diluted)M
148.9
168.3
171.0
177.0
187.4
209.5
200.2
191.8
210.7
205.3
131.6
1.84%
3.74%
39
12.99
Buyback yield%
12.68
10.42
12.39
15.02
14.51
16.05
14.93
17.62
20.10
18.55
22.95
17.62
14.98
74
86.80
Eq/Assets%
172.01
206.14
217.58
256.58
268.50
265.72
313.79
301.75
313.88
306.64
165.17
306.64
267.11
45
20.66
Assets€M
52.21
57.67
60.81
66.40
68.89
73.93
78.59
88.65
93.43
98.50
48.13
7.41%
6.97%
18
45.58
LT debt€M
20.58
22.45
23.90
26.71
24.36
25.10
27.16
30.38
28.66
27.05
5.274
2.12%
2.35%
84
Total assets
€98.50M
6.97%
0.87×
Revenue
€84.03M
8.47%
1.00×
Non-interest expense
€41.67M
8.56%
1.01×
Net interest income
70.00%
Non-interest income
30.00%