2.768
Revenue€M
13.65
15.16
16.41
17.78
19.44
21.09
22.48
23.97
25.52
28.02
3.051
7.59%
8.11%
75
21.18
Revenue growth%
18.08
19.25
18.66
16.58
15.28
16.44
17.73
18.89
17.40
15.93
28.15
17.40
17.57
89
23.74
NIM%
6.16
8.21
10.28
12.49
15.14
12.86
15.79
14.08
12.08
11.97
26.65
12.86
12.29
24
7.08
Effic. R.%
16.32
15.72
13.13
13.75
13.78
13.56
13.51
12.97
11.15
12.35
8.48
12.97
13.54
17
2.95
Net margin%
28.15
27.91
30.61
32.02
34.61
31.78
31.69
33.80
33.14
34.73
24.88
33.14
31.90
12
10.27
P/E ratio (avg)x
6.896
6.845
6.456
5.706
6.147
6.712
6.240
5.437
5.713
5.792
26.28
5.792
6.193
95
22.16
P/TBVx
19.58
17.85
19.39
20.05
18.77
20.02
18.90
17.99
16.95
19.12
6.579
18.90
19.01
91
6.451
P/Bx
37.36
34.43
34.82
35.26
36.53
37.26
38.35
42.82
42.02
46.83
36.06
42.02
37.31
74
23.56
NII€M
10.79
11.94
12.93
13.79
15.43
16.51
17.74
18.81
20.08
21.81
3.983
7.16%
7.96%
—
16.55
NII grth%
30.97
30.06
32.57
33.91
34.86
35.02
36.83
36.58
34.55
32.22
25.95
35.02
34.23
49
27.85
ROTE%
30.11
32.95
31.95
33.98
33.00
34.19
32.41
31.71
32.89
33.84
15.99
32.89
32.92
7
3.26
Return on equity%
9.19
10.81
8.13
10.12
10.18
12.37
10.78
12.05
13.10
14.20
9.94
12.37
10.80
39
20.73
Return on assets%
14.00
12.25
11.77
13.80
15.75
14.01
11.96
13.96
16.23
16.99
25.46
14.01
13.98
86
0.24
EPS€
0.40
0.40
0.46
0.46
0.53
0.63
0.63
0.67
0.77
0.92
0.25
11.63%
10.56%
—
18.45
EPS growth%
26.77
28.54
29.44
26.70
25.13
26.51
23.82
24.19
23.32
23.31
11.37
23.82
25.82
8
0.40
Bookvalue per sh€
0.35
0.37
0.39
0.45
0.51
0.60
0.72
0.71
0.73
0.87
0.37
11.36%
9.84%
—
0.44
TBV/sh€
0.49
0.56
0.65
0.64
0.62
0.73
0.74
0.81
0.77
0.84
0.38
6.37%
6.03%
—
0.18
Dividend per sh€
0.66
0.72
0.79
0.92
1.07
1.10
1.27
1.38
1.62
1.61
0.21
8.60%
10.03%
—
5.11
Div yield (avg)%
29.03
30.79
32.82
35.56
36.92
35.40
33.42
35.96
35.52
37.24
25.70
35.52
35.46
34
6.14
Payout ratio%
12.62
14.03
17.02
15.29
13.36
13.67
13.49
10.76
8.39
6.45
14.57
10.76
13.43
13
42.61
Shares (diluted)M
51.68
50.08
54.36
54.05
58.03
63.06
68.23
65.71
77.06
89.60
41.49
9.08%
5.69%
79
8.77
Buyback yield%
6.47
4.22
3.71
4.31
5.66
3.51
6.40
4.31
5.05
3.10
6.67
4.31
4.31
23
113.63
Eq/Assets%
116.98
110.88
109.89
119.22
127.60
121.25
127.49
129.96
126.59
135.41
74.35
127.49
123.92
19
20.94
Assets€M
75.69
78.64
84.60
90.66
100.8
110.6
119.0
130.8
141.4
152.2
9.580
8.58%
8.21%
88
24.57
LT debt€M
0.908
0.879
0.916
0.858
0.907
0.957
0.907
0.790
0.824
0.814
18.05
(2.13%)
(0.95%)
55
Total assets
€152.2M
8.21%
1.01×
Revenue
€28.02M
8.11%
1.00×
Non-interest expense
€12.41M
7.85%
0.98×
Net interest income
77.83%
Non-interest income
22.17%