482.8
RevenueRp B
617.7
626.6
662.5
700.5
714.1
746.5
769.6
808.3
839.7
852.3
530.2
3.60%
3.51%
35
4.43
Revenue growth%
23.91
24.68
25.01
25.22
24.21
25.27
24.38
24.76
24.92
26.30
22.11
24.92
24.84
26
29.98
NIM%
0.51
0.40
2.54
5.39
4.35
4.19
5.94
6.97
6.98
9.57
10.63
6.97
4.87
31
5.72
Effic. R.%
27.70
30.67
31.15
34.04
34.66
32.98
31.05
33.99
33.25
35.82
9.18
33.25
33.11
16
26.55
Net margin%
15.22
16.59
14.99
16.96
19.51
16.93
17.98
19.18
17.55
17.21
6.49
17.55
17.08
75
10.64
P/E ratio (avg)x
28.36
29.59
26.41
24.94
22.38
20.97
19.76
20.28
18.76
18.04
29.67
19.76
21.68
14
30.48
P/TBVx
8.175
8.031
9.298
9.096
9.722
10.62
10.08
9.815
10.19
10.11
16.11
10.11
9.768
35
17.63
P/Bx
28.84
33.17
33.86
33.85
35.01
36.59
42.14
41.47
43.97
40.42
6.889
41.47
35.80
46
513.7
NIIRp B
378.4
376.5
399.6
422.6
438.3
452.3
460.8
494.9
508.0
516.1
44.51
3.33%
3.69%
—
24.28
NII grth%
21.71
24.45
24.16
25.93
28.72
30.25
28.67
31.45
29.67
28.42
24.74
29.67
28.54
84
29.28
ROTE%
11.53
13.80
14.66
11.87
11.89
11.90
12.29
14.19
12.54
11.74
23.57
12.29
12.09
76
4.65
Return on equity%
18.38
17.99
19.81
21.30
22.66
23.30
22.05
23.58
24.47
22.48
21.06
23.30
22.27
12
21.79
Return on assets%
13.54
15.83
17.44
19.64
20.41
17.42
17.37
16.90
18.09
18.16
17.83
17.42
17.43
66
5.23
EPSRp
17.74
19.43
21.74
23.81
25.70
27.89
28.35
27.27
28.83
30.68
5.86
3.61%
7.27%
—
25.09
EPS growth%
8.86
8.76
5.84
6.03
6.66
5.14
6.32
4.92
4.51
7.08
28.74
5.14
6.18
94
14.61
Bookvalue per shRp
7.92
7.60
8.23
7.99
8.13
8.21
8.03
9.25
9.87
9.62
6.86
3.43%
2.35%
—
4.23
TBV/shRp
20.03
19.99
19.59
20.66
22.08
22.86
21.45
20.13
21.96
22.65
8.17
0.51%
2.18%
—
2.82
Dividend per shRp
13.68
12.70
12.82
11.48
10.38
10.22
10.64
9.58
9.28
9.43
9.21
(1.91%)
(4.25%)
—
13.00
Div yield (avg)%
9.06
9.97
9.99
12.55
9.65
10.85
8.01
8.84
10.91
9.18
4.17
9.18
9.81
61
19.29
Payout ratio%
5.27
7.76
8.58
8.92
11.21
13.00
12.98
10.77
9.93
8.83
2.38
10.77
9.42
39
24.02
Shares (diluted)B
32.78
37.43
39.18
44.68
52.36
54.86
55.42
60.05
62.71
69.42
25.00
5.80%
9.52%
42
5.48
Buyback yield%
25.85
28.14
29.42
30.74
29.60
31.90
29.04
31.76
32.33
31.37
10.33
31.76
30.17
64
106.08
Eq/Assets%
102.83
104.13
104.32
110.33
119.05
126.06
141.40
142.32
133.76
145.99
121.91
141.40
122.56
41
508.0
AssetsRp B
905.3
981.9
1,050
1,099
1,228
1,301
1,445
1,540
1,590
1,754
304.3
7.40%
7.49%
94
368.4
LT debtRp B
1,018
1,135
1,289
1,338
1,306
1,435
1,424
1,409
1,599
1,700
335.1
5.41%
6.50%
60
Non-interest expense
3.61%
1.01×
Net interest income
60.56%
Non-interest income
39.44%
Spread over hurdle
22.53%