B

Watchlist Manager

Watchlist

Price: 53.5 EUR Market Closed

Market Cap: €1.2B

Income Statement

Net Interest Income

Non Interest Income

Currency: EUR

		Dec-2002	Mar-2003	Jun-2003	Sep-2003	Dec-2003	Mar-2004	Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025
Revenue
Net Interest Income		91	92	90	92	80	80	81	81	95	81	85	86	99	102	104	109	93	113	114	118	100	128	139	141	120	145	141	140	113	133	140	144	128	151	152	158	142	162	152	147	139	140	144	147	153	154	154	153	148	147	143	134	126	119	107	105	107	108	116	118	120	120	122	122	123	127	129	131	140	141	141	139	131	132	132	133	137	135	146	147	178	203	218	250	252	259	267	269	266	259
Interest Income		248	248	236	234	206	197	200	198	221	209	218	216	233	238	249	266	272	312	342	368	372	420	447	454	450	458	399	352	258	248	262	263	237	267	250	268	265	276	273	253	238	234	240	242	243	236	221	214	209	209	205	193	179	170	155	150	145	143	148	150	156	154	156	157	156	166	175	182	185	186	182	175	172	176	181	186	187	186	192	213	250	304	368	439	488	537	572	584	589	563
Interest Expense		157	156	146	142	126	118	119	118	126	128	132	131	133	136	145	157	179	199	227	250	272	292	308	312	330	313	257	212	145	115	122	119	109	115	98	110	123	114	121	106	99	94	97	95	91	82	68	61	61	62	62	59	53	51	48	45	37	35	31	32	36	34	34	35	33	38	46	51	45	45	41	36	41	43	49	53	50	51	46	66	72	100	150	189	237	279	304	315	323	304
Non Interest Income		66	29	30	35	62	62	62	60	47	61	59	56	55	53	55	51	78	56	61	66	84	62	53	48	71	39	48	60	72	70	58	54	71	56	62	51	71	46	55	66	95	85	89	91	91	102	134	143	176	198	218	301	270	307	312	236	202	205	198	200	204	210	219	220	228	235	236	239	234	235	215	213	206	201	194	195	191	211	231	249	243	275	302	293	303	301	327	339	352	360
Revenue		156 N/A	121 -23%	120 -1%	127 +6%	142 +12%	141 0%	143 +1%	141 -1%	141 +0%	142 +0%	144 +1%	141 -2%	155 +9%	156 +1%	160 +3%	160 +0%	171 +7%	169 -1%	176 +4%	184 +5%	184 +0%	190 +3%	193 +1%	189 -2%	191 +1%	184 -4%	189 +3%	199 +5%	185 -7%	202 +9%	198 -2%	198 0%	199 +0%	208 +5%	214 +3%	210 -2%	213 +1%	208 -2%	207 0%	213 +3%	234 +10%	225 -4%	233 +4%	238 +2%	244 +2%	256 +5%	287 +12%	296 +3%	324 +9%	345 +7%	361 +4%	436 +21%	396 -9%	426 +8%	419 -2%	341 -19%	309 -10%	313 +1%	315 +0%	318 +1%	324 +2%	330 +2%	341 +3%	342 +0%	351 +3%	362 +3%	365 +1%	371 +2%	374 +1%	376 +1%	356 -5%	352 -1%	337 -4%	333 -1%	326 -2%	328 +1%	329 +0%	346 +5%	377 +9%	396 +5%	421 +6%	479 +14%	520 +9%	543 +4%	555 +2%	559 +1%	594 +6%	608 +2%	618 +2%	619 +0%
Pre-Tax Income
Loan Loss Provision		0	0	0	0	0	0	0	0	(26)	(6)	(12)	(19)	(27)	(28)	(28)	(27)	(29)	(30)	(30)	(31)	(29)	(28)	(28)	(28)	(29)	(29)	(32)	(40)	(45)	(49)	(46)	(43)	(42)	(41)	(45)	(41)	(37)	(37)	(37)	(38)	(40)	(40)	(43)	(45)	(47)	(47)	(42)	(32)	(29)	(24)	(16)	(20)	(16)	(12)	(21)	(19)	(16)	(16)	(12)	(12)	(21)	(20)	(21)	(12)	4	6	11	6	(1)	(10)	(26)	(30)	(47)	(42)	(26)	(28)	(23)	(17)	(25)	(21)	(25)	(26)	(26)	(35)	(32)	(25)	(23)	(21)	(39)	(47)
Non Interest Expense		(118)	(81)	(79)	(84)	(104)	(104)	(105)	(106)	(82)	(104)	(104)	(100)	(88)	(86)	(88)	(88)	(91)	(87)	(91)	(95)	(95)	(101)	(102)	(103)	(112)	(107)	(107)	(107)	(89)	(101)	(100)	(99)	(95)	(100)	(101)	(103)	(111)	(104)	(105)	(105)	(124)	(114)	(113)	(113)	(111)	(121)	(153)	(166)	(203)	(211)	(223)	(230)	(208)	(240)	(237)	(237)	(219)	(216)	(219)	(217)	(212)	(215)	(217)	(218)	(216)	(218)	(221)	(222)	(229)	(241)	(234)	(235)	(235)	(246)	(220)	(221)	(214)	(220)	(246)	(263)	(291)	(300)	(303)	(304)	(294)	(305)	(311)	(329)	(315)	(326)
Pre-Tax Income		39 N/A	39 +1%	41 +3%	43 +6%	37 -13%	38 +1%	38 N/A	35 -6%	34 -4%	32 -5%	28 -14%	22 -19%	40 +78%	42 +6%	44 +6%	45 +2%	51 +13%	52 +3%	54 +4%	57 +6%	60 +5%	61 +2%	63 +2%	59 -6%	50 -15%	48 -5%	51 +6%	52 +2%	51 0%	52 +2%	53 +1%	57 +7%	62 +9%	66 +7%	68 +3%	66 -3%	65 -2%	67 +4%	65 -3%	70 +7%	70 +1%	72 +2%	77 +8%	81 +4%	86 +7%	88 +2%	92 +4%	98 +6%	92 -6%	111 +20%	122 +10%	186 +53%	173 -7%	174 +1%	161 -8%	85 -47%	74 -14%	81 +10%	85 +5%	90 +6%	91 +1%	95 +4%	104 +10%	112 +8%	140 +25%	150 +8%	154 +3%	154 0%	145 -6%	125 -14%	96 -23%	87 -10%	54 -38%	46 -16%	80 +75%	79 -1%	93 +17%	109 +18%	106 -3%	111 +5%	104 -6%	152 +46%	192 +26%	204 +6%	229 +13%	230 +0%	259 +13%	258 -1%	265 +3%	247 -7%
Net Income
Tax Provision		(11)	(11)	(11)	(11)	(9)	(9)	(9)	(9)	(7)	(6)	(7)	(9)	(5)	(6)	(6)	(6)	(6)	(7)	(7)	(8)	(7)	(7)	(7)	(6)	0	1	0	1	(4)	(4)	(4)	(6)	(13)	(15)	(15)	(15)	(11)	(12)	(11)	(13)	(9)	(10)	(11)	(13)	(18)	(18)	(19)	(19)	(15)	(19)	(21)	(21)	(34)	(33)	(32)	(27)	(10)	(12)	(15)	(15)	(15)	(16)	(16)	(16)	(33)	(34)	(33)	(33)	(18)	(15)	(15)	(12)	(1)	4	1	(0)	(11)	(13)	(8)	(13)	(21)	(30)	(44)	(43)	(33)	(36)	(41)	(36)	(41)	(37)
Income from Continuing Operations		28	29	30	32	28	28	28	26	27	26	20	14	35	37	39	39	45	46	47	50	53	54	55	53	50	49	51	52	48	49	49	51	49	52	53	51	54	55	54	57	61	62	67	67	69	71	73	79	77	91	100	165	139	141	129	58	64	68	70	75	76	78	88	96	107	116	121	121	127	110	82	75	53	50	81	78	82	96	98	98	83	122	148	161	196	194	218	221	224	210
Income to Minority Interest		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(0)	(0)	(2)	(7)	(7)	(6)	(1)	(5)	(5)	(5)	(2)	(2)	(2)	(2)	(3)	(3)	(4)	(3)	(3)	(3)	(3)	(3)	(3)	(4)	(2)	(2)	1	4	3	3	(1)	(5)	(5)	(5)	(2)	(3)	(4)	(4)	(5)	(6)	(6)	(6)	(6)	(5)
Net Income (Common)		28 N/A	29 +1%	30 +4%	32 +8%	28 -13%	28 +1%	28 N/A	26 -8%	27 +5%	26 -4%	20 -22%	14 -32%	35 +155%	37 +5%	39 +5%	39 +1%	45 +14%	46 +2%	47 +3%	50 +5%	53 +8%	54 +2%	55 +2%	53 -4%	50 -6%	49 -4%	51 +5%	52 +2%	48 -8%	49 +1%	49 +1%	51 +3%	49 -3%	52 +5%	53 +3%	51 -5%	54 +6%	55 +3%	54 -3%	57 +6%	61 +7%	62 +2%	67 +8%	67 +1%	69 +2%	71 +3%	73 +3%	79 +8%	75 -4%	85 +12%	93 +10%	158 +70%	137 -13%	136 -1%	124 -9%	53 -58%	62 +17%	66 +7%	68 +2%	73 +7%	74 +1%	75 +2%	85 +13%	93 +10%	104 +12%	113 +9%	119 +5%	118 0%	124 +5%	106 -14%	79 -25%	73 -8%	54 -27%	54 +1%	84 +55%	81 -3%	81 0%	91 +13%	93 +2%	94 +1%	81 -13%	118 +46%	144 +22%	157 +9%	191 +22%	188 -2%	212 +13%	215 +1%	218 +1%	204 -6%
EPS (Diluted)		1.13 N/A	1.15 +2%	1.2 +4%	1.3 +8%	1.12 -14%	1.14 +2%	1.14 N/A	1.05 -8%	1.08 +3%	1.05 -3%	0.81 -23%	0.54 -33%	1.39 +157%	1.46 +5%	1.55 +6%	1.54 -1%	1.78 +16%	1.82 +2%	1.87 +3%	1.97 +5%	2.13 +8%	2.22 +4%	2.26 +2%	2.16 -4%	2.05 -5%	1.92 -6%	2.01 +5%	2.08 +3%	1.9 -9%	1.93 +2%	1.96 +2%	2.02 +3%	1.96 -3%	2.05 +5%	2.12 +3%	2.02 -5%	2.14 +6%	2.21 +3%	2.14 -3%	2.25 +5%	2.41 +7%	2.46 +2%	2.64 +7%	2.68 +2%	2.72 +1%	2.8 +3%	2.88 +3%	3.12 +8%	3 -4%	3.37 +12%	3.72 +10%	6.3 +69%	5.42 -14%	4.92 -9%	4.53 -8%	1.91 -58%	2.24 +17%	2.41 +8%	2.14 -11%	2.45 +14%	2.49 +2%	2.43 -2%	2.73 +12%	3.03 +11%	3.31 +9%	3.33 +1%	3.49 +5%	3.5 +0%	3.65 +4%	3.13 -14%	2.35 -25%	2.17 -8%	1.58 -27%	1.6 +1%	2.47 +54%	2.39 -3%	2.37 -1%	2.68 +13%	2.74 +2%	2.75 +0%	2.36 -14%	3.19 +35%	3.88 +22%	4.21 +9%	5.16 +23%	5.07 -2%	5.73 +13%	5.8 +1%	5.87 +1%	5.51 -6%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

Join more than 323,900+ value investors using Alpha Spread

Create Free Account

or see our plans & pricing

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

What is Intrinsic Value? Help Center Contact Us

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2026 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.

Get AI-powered insights for any company or topic.

Open AI Assistant

Stock Screener

Discover stocks

Stock Comparison

Smarter decisions through side-by-side analysis

Intrinsic Value Calculator

Discover the true worth of your stocks

DCF Value Calculator

Harness the power of DCF

Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.