35.91
Revenue€M
48.51
48.66
50.03
50.91
52.01
54.56
56.07
57.31
58.33
59.07
38.21
2.58%
2.20%
22
11.32
Revenue growth%
8.96
6.07
6.08
4.51
4.44
4.26
1.46
3.16
1.70
3.97
7.04
3.16
4.35
70
23.48
NIM%
16.77
18.41
19.07
18.55
19.39
16.71
15.63
17.80
15.56
18.13
11.25
16.71
17.96
53
20.62
Effic. R.%
9.19
8.17
7.91
9.81
7.68
6.39
4.96
4.76
4.37
3.49
22.67
4.76
7.04
25
5.30
Net margin%
19.69
19.05
16.74
18.98
19.12
21.49
18.81
17.83
18.87
20.53
14.32
18.87
19.01
31
13.24
P/E ratio (avg)x
11.51
11.19
11.70
12.39
12.01
11.28
12.65
11.32
10.63
9.433
9.245
11.28
11.41
86
20.27
P/TBVx
35.86
35.16
36.69
31.44
29.16
27.99
25.30
22.63
24.61
23.67
23.12
24.61
28.57
16
36.96
P/Bx
20.33
19.59
17.84
17.33
16.00
14.50
13.45
12.97
11.96
10.96
22.86
12.97
15.25
74
34.79
NII€M
37.74
38.39
39.42
40.10
40.50
42.67
44.09
45.30
45.57
46.53
2.493
2.82%
2.12%
—
14.19
NII grth%
5.94
5.92
8.76
9.14
7.61
6.83
4.72
3.42
2.33
1.46
4.86
3.42
5.93
65
5.52
ROTE%
29.73
31.95
33.08
33.39
30.62
31.31
34.18
34.20
31.64
34.44
20.84
34.18
32.51
10
3.23
Return on equity%
12.54
10.59
8.48
10.71
12.07
11.62
11.39
14.20
13.47
16.19
29.09
13.47
11.84
58
13.45
Return on assets%
15.52
14.53
13.79
14.61
14.23
12.24
12.57
14.14
12.92
14.35
3.54
12.92
14.19
52
0.15
EPS€
0.19
0.17
0.16
0.14
0.14
0.14
0.15
0.15
0.16
0.14
0.16
1.35%
(3.23%)
—
23.89
EPS growth%
35.92
33.54
34.13
32.14
31.07
31.54
33.45
33.26
34.57
36.13
17.46
33.45
33.50
23
0.19
Bookvalue per sh€
0.10
0.11
0.12
0.12
0.11
0.11
0.12
0.14
0.14
0.15
0.09
5.94%
3.64%
—
0.31
TBV/sh€
0.36
0.39
0.35
0.35
0.35
0.36
0.34
0.36
0.36
0.38
0.14
1.56%
1.62%
—
0.20
Dividend per sh€
0.11
0.10
0.09
0.08
0.07
0.08
0.08
0.09
0.08
0.08
0.05
2.77%
(4.09%)
—
19.11
Div yield (avg)%
21.56
22.37
24.23
24.84
23.88
24.92
26.47
26.62
28.05
29.21
17.43
26.62
24.88
58
22.10
Payout ratio%
30.69
29.11
26.66
27.65
27.09
27.19
25.05
27.08
26.61
26.61
19.69
26.61
27.08
92
43.77
Shares (diluted)M
56.91
58.22
57.98
60.18
61.49
58.74
59.42
57.08
57.68
59.30
44.25
(0.72%)
0.39%
71
2.89
Buyback yield%
25.03
26.37
25.20
26.61
24.28
23.57
26.02
25.99
25.44
23.09
11.25
25.44
25.32
23
136.73
Eq/Assets%
121.34
132.33
136.55
122.70
105.90
95.21
103.34
101.67
88.79
90.74
47.67
95.21
104.62
31
22.19
Assets€M
59.13
64.72
68.75
73.17
83.61
90.62
93.30
102.7
117.4
127.0
31.11
8.71%
8.98%
39
3.024
LT debt€M
33.55
37.20
40.35
42.42
48.49
51.73
55.17
64.02
72.12
76.13
46.36
9.44%
7.96%
6
Total assets
€127.0M
8.98%
1.90×
Revenue
€59.07M
2.20%
1.00×
Non-interest expense
€28.73M
2.22%
1.00×
Net interest income
78.77%
Non-interest income
21.23%