11.90
RevenueFt B
12.02
12.37
12.89
13.25
13.50
13.70
14.11
14.38
14.50
15.13
12.92
2.30%
2.55%
48
18.53
Revenue growth%
17.44
15.17
16.51
17.01
17.12
14.54
16.92
17.74
16.87
14.19
2.30
16.87
16.90
38
12.58
NIM%
18.66
19.42
21.75
19.68
19.10
17.33
15.12
14.70
15.87
15.93
19.85
15.87
18.00
9
6.14
Effic. R.%
14.10
13.46
13.10
13.32
10.97
11.45
13.51
11.90
9.96
9.39
10.51
11.45
12.50
43
16.05
Net margin%
18.72
18.75
20.67
22.40
21.23
21.01
19.13
16.52
17.02
19.50
26.32
19.13
19.32
6
32.53
P/E ratio (avg)x
7.813
8.304
8.009
8.389
9.101
8.527
8.696
8.269
8.290
8.737
24.96
8.527
8.346
77
24.84
P/TBVx
21.86
20.06
18.65
19.40
21.61
21.99
24.74
23.32
24.04
21.77
34.87
23.32
21.82
40
19.21
P/Bx
15.66
14.96
14.68
15.24
13.52
12.70
11.18
11.28
12.39
12.12
29.49
12.12
13.11
16
7.047
NIIFt B
9.139
9.488
9.909
10.12
10.18
10.45
10.62
10.86
11.07
11.39
4.577
2.26%
2.54%
—
29.59
NII grth%
21.48
19.03
19.71
20.37
19.10
21.74
21.12
21.09
23.99
23.67
20.65
21.74
21.11
23
5.98
ROTE%
0.40
0.40
0.40
0.40
0.40
1.63
0.70
0.44
3.03
0.87
21.80
0.87
0.42
30
9.64
Return on equity%
13.92
16.49
19.12
21.64
20.95
19.42
17.72
20.19
20.18
21.21
4.41
20.18
19.80
52
8.83
Return on assets%
16.24
19.20
17.50
20.23
22.26
20.68
21.91
23.87
24.13
25.27
23.15
23.87
21.30
28
47.90
EPSFt
78.27
75.98
80.82
86.32
76.38
73.99
77.46
76.39
67.38
62.81
50.69
(3.84%)
(2.06%)
—
18.56
EPS growth%
18.02
18.29
20.02
21.12
24.06
25.98
24.35
25.92
24.54
24.83
23.69
24.83
24.21
76
63.80
Bookvalue per shFt
32.82
31.94
29.15
30.66
31.05
28.75
28.44
27.91
25.56
23.31
66.86
(5.58%)
(3.96%)
—
69.11
TBV/shFt
60.92
69.11
67.99
73.28
87.81
86.03
86.76
92.47
101.84
99.45
45.65
2.52%
5.61%
—
11.91
Dividend per shFt
37.30
37.96
42.47
46.32
43.49
40.75
45.60
43.31
46.14
48.99
24.48
2.41%
2.34%
—
24.74
Div yield (avg)%
7.85
8.72
11.65
10.56
13.10
15.88
17.08
19.20
18.77
19.06
8.74
18.77
14.49
91
20.35
Payout ratio%
20.13
22.97
24.79
26.23
27.72
27.44
28.08
27.34
25.99
24.53
23.49
27.34
26.11
13
107.1
Shares (diluted)M
143.5
164.6
161.8
180.8
181.3
195.6
197.4
224.8
253.9
296.4
108.9
10.34%
7.93%
30
16.45
Buyback yield%
6.82
9.40
8.34
6.49
5.84
4.51
4.94
7.77
8.18
9.39
20.44
7.77
7.30
58
20.57
Eq/Assets%
165.93
152.79
167.67
186.65
175.82
159.73
145.06
134.20
127.14
142.19
104.14
142.19
156.26
59
10.05
AssetsFt B
11.02
11.92
13.32
14.14
15.38
16.86
17.97
19.86
21.48
23.73
3.590
9.06%
9.06%
82
7.710
LT debtFt B
0.921
0.840
0.761
0.810
0.853
0.973
0.880
0.810
0.756
0.761
10.13
(2.24%)
(2.73%)
50
Non-interest expense
2.62%
1.01×
Net interest income
75.26%
Non-interest income
24.74%
Spread over hurdle
61.26%