4.991
Revenue€M
6.176
6.132
6.218
6.276
6.403
6.423
6.270
6.251
6.193
6.353
5.434
(0.16%)
0.07%
48
20.18
Revenue growth%
3.83
5.55
4.74
6.41
5.53
7.17
5.75
3.56
4.37
6.00
12.45
5.75
5.54
92
29.63
NIM%
19.58
18.44
18.93
19.20
17.09
17.16
14.20
12.85
11.00
12.38
17.94
12.85
17.13
83
28.82
Effic. R.%
17.75
18.85
20.15
21.96
19.67
19.13
20.81
21.63
20.66
20.91
18.19
20.81
20.40
82
23.99
Net margin%
29.01
31.07
33.71
32.62
33.71
33.12
33.67
35.29
34.86
36.59
23.64
34.86
33.69
45
14.36
P/E ratio (avg)x
35.65
36.84
41.41
38.31
37.42
40.59
40.97
42.39
48.13
45.77
25.65
42.39
40.78
66
14.39
P/TBVx
32.18
33.76
37.12
35.40
37.70
43.70
49.99
47.57
45.50
48.18
11.61
47.57
40.70
33
33.60
P/Bx
9.684
11.16
12.75
13.57
14.02
13.18
14.07
14.15
16.30
15.09
37.26
14.15
13.79
93
4.650
NII€M
4.230
4.193
4.223
4.233
4.288
4.374
4.272
4.285
4.164
4.262
5.159
(0.12%)
(0.05%)
—
22.54
NII grth%
4.54
4.20
4.24
5.69
3.06
5.04
4.78
5.90
8.45
10.81
19.72
5.90
4.91
93
3.04
ROTE%
14.55
16.85
17.82
20.24
18.65
17.80
16.20
14.00
16.17
13.78
12.42
16.17
16.53
8
27.04
Return on equity%
18.47
17.32
17.04
15.63
12.78
11.22
13.75
11.02
13.88
12.09
4.09
12.09
13.81
88
19.46
Return on assets%
19.90
22.82
25.26
27.96
29.73
30.73
30.75
29.31
28.89
30.45
23.52
30.45
29.10
88
0.13
EPS€
0.45
0.44
0.51
0.53
0.59
0.62
0.64
0.75
0.77
0.80
0.14
6.48%
7.65%
—
19.51
EPS growth%
20.18
22.86
23.06
23.07
25.78
25.65
27.60
24.96
25.38
25.06
6.34
25.38
25.01
36
0.15
Bookvalue per sh€
0.16
0.17
0.19
0.21
0.21
0.21
0.22
0.21
0.22
0.23
0.10
2.13%
4.74%
—
0.29
TBV/sh€
0.22
0.19
0.17
0.16
0.16
0.15
0.15
0.15
0.14
0.12
0.24
(5.86%)
(5.57%)
—
0.13
Dividend per sh€
0.23
0.22
0.22
0.25
0.24
0.24
0.26
0.26
0.26
0.30
0.30
5.11%
3.57%
—
2.83
Div yield (avg)%
6.72
7.30
7.84
10.26
11.21
10.14
8.44
10.73
11.94
12.34
8.68
10.73
10.20
61
11.58
Payout ratio%
18.69
16.77
18.92
16.84
19.64
22.20
24.73
24.16
26.20
23.62
7.55
24.16
20.92
52
10.03
Shares (diluted)M
14.85
16.28
16.14
18.54
18.58
19.01
20.26
21.72
24.70
27.95
10.31
8.51%
6.73%
14
3.31
Buyback yield%
31.09
30.99
32.66
32.80
32.09
30.35
30.12
32.66
33.93
35.07
14.80
32.66
32.38
86
26.65
Eq/Assets%
119.02
139.28
152.65
148.68
151.57
180.32
195.65
202.25
214.05
251.17
154.01
202.25
166.49
70
5.990
Assets€M
10.29
11.66
12.60
13.12
14.50
16.06
17.60
18.97
20.33
22.04
2.045
8.74%
8.87%
49
2.022
LT debt€M
1.593
1.758
1.866
2.006
1.939
2.226
2.414
2.531
2.822
2.890
2.968
8.31%
6.62%
85
Total assets
€22.04M
8.87%
2.32×
Revenue
€6.353M
0.07%
1.00×
Non-interest expense
€3.056M
0.07%
1.00×
Net interest income
67.09%
Non-interest income
32.91%