81.49
Revenue€M
73.00
79.35
85.51
94.16
100.5
108.7
119.4
129.4
141.6
153.0
84.27
8.77%
8.71%
50
20.37
Revenue growth%
13.26
14.42
15.53
14.56
12.08
14.19
13.02
14.53
15.19
14.83
11.19
14.53
14.47
46
18.33
NIM%
9.89
8.13
8.89
10.96
11.47
11.10
11.35
8.48
9.17
11.78
12.00
11.10
10.43
56
21.84
Effic. R.%
11.66
11.84
9.11
10.21
7.31
5.20
7.59
6.67
8.62
9.49
29.46
7.59
8.87
57
20.96
Net margin%
22.53
25.30
25.05
24.55
24.47
24.24
22.33
23.58
20.78
21.90
12.10
22.33
23.91
76
23.28
P/E ratio (avg)x
16.39
16.94
15.71
16.26
14.55
14.43
14.31
15.44
15.70
14.34
11.90
14.43
15.57
82
35.39
P/TBVx
33.34
30.55
30.47
30.06
29.66
29.20
30.40
28.89
29.25
27.36
6.757
29.20
29.86
88
6.425
P/Bx
11.90
11.69
11.60
12.56
13.77
13.25
13.95
14.69
16.07
16.26
17.70
14.69
13.51
75
95.25
NII€M
50.40
54.86
59.08
65.79
69.93
74.17
82.67
89.19
99.00
105.1
144.7
8.50%
8.77%
—
29.18
NII grth%
0.40
0.40
0.40
3.14
5.93
8.52
8.38
11.08
13.52
14.56
2.23
11.08
7.15
21
11.11
ROTE%
20.70
18.88
17.03
15.02
17.53
14.92
14.42
14.78
12.94
13.25
8.23
14.42
14.97
51
19.28
Return on equity%
15.01
15.20
13.76
15.91
14.15
16.38
14.02
12.57
11.87
11.77
3.00
12.57
14.09
80
8.04
Return on assets%
23.37
22.01
24.70
26.64
28.94
29.46
28.91
29.86
29.87
27.79
13.84
29.46
28.35
25
0.34
EPS€
0.99
0.87
0.89
0.86
0.83
0.86
0.85
0.90
0.85
0.80
0.36
(0.75%)
(1.42%)
—
19.15
EPS growth%
26.29
25.65
28.08
28.84
31.69
34.46
32.94
34.66
31.98
31.92
7.29
32.94
31.81
59
0.68
Bookvalue per sh€
0.41
0.39
0.41
0.47
0.51
0.48
0.45
0.48
0.49
0.46
0.54
(2.25%)
1.71%
—
0.92
TBV/sh€
0.39
0.40
0.37
0.37
0.36
0.32
0.31
0.30
0.29
0.30
0.55
(3.24%)
(1.50%)
—
0.48
Dividend per sh€
1.65
1.74
1.71
1.70
1.62
1.73
2.02
2.00
1.90
2.02
0.34
4.57%
3.63%
—
4.03
Div yield (avg)%
23.12
22.01
19.15
17.49
19.11
19.33
19.52
17.80
18.17
20.76
20.16
19.33
19.24
87
21.52
Payout ratio%
14.12
13.50
16.05
15.72
15.53
18.14
18.36
15.73
15.07
13.92
11.48
15.73
15.63
21
57.50
Shares (diluted)M
52.11
49.32
46.35
41.56
42.18
44.18
43.86
43.82
40.16
37.73
57.61
(2.21%)
(3.54%)
63
15.73
Buyback yield%
2.70
4.97
6.06
5.76
6.13
5.23
2.86
2.09
3.79
5.33
11.33
3.79
5.10
10
127.39
Eq/Assets%
16.05
15.05
16.43
15.48
15.47
14.98
15.90
14.23
14.74
13.86
65.16
14.74
15.26
86
81.40
Assets€M
230.1
238.8
258.2
289.8
316.5
355.8
379.7
423.4
466.1
519.0
55.76
10.40%
9.23%
41
83.69
LT debt€M
99.86
87.31
77.76
80.45
85.04
76.34
73.64
69.90
70.33
68.91
15.46
(4.12%)
(5.06%)
21
Total assets
€519.0M
9.23%
1.05×
Revenue
€153.0M
8.71%
1.00×
Non-interest expense
€88.69M
8.66%
1.00×
Net interest income
68.74%
Non-interest income
31.26%