389.3
RevenueRp B
286.2
305.2
317.4
335.1
355.9
371.0
400.4
429.1
451.2
489.1
399.0
6.57%
6.36%
6
2.47
Revenue growth%
25.59
27.57
25.26
27.13
29.26
32.08
30.97
28.94
30.99
31.62
15.98
30.99
29.10
59
24.59
NIM%
20.02
17.79
16.77
14.74
17.32
16.76
19.04
18.36
19.13
19.01
18.73
19.01
18.07
67
22.88
Effic. R.%
19.77
17.94
16.33
13.64
14.18
12.20
12.74
12.39
10.34
8.30
11.39
12.20
13.19
61
20.43
Net margin%
27.80
27.16
27.90
28.72
29.40
30.11
32.20
29.69
27.77
27.15
26.60
29.69
28.31
86
6.658
P/E ratio (avg)x
31.14
30.91
30.20
32.14
33.09
36.59
41.51
47.59
47.35
43.83
33.09
43.83
34.84
24
25.53
P/TBVx
9.198
8.797
9.578
10.90
10.62
11.53
11.23
11.53
11.77
12.44
18.57
11.53
11.06
74
15.55
P/Bx
23.22
22.59
20.88
19.75
17.73
17.03
18.50
19.58
18.97
17.44
21.26
18.50
19.27
95
142.4
NIIRp B
177.4
184.4
192.2
204.3
215.5
230.2
241.5
266.6
272.8
294.6
367.8
6.46%
6.29%
—
11.36
NII grth%
22.97
21.22
19.50
19.53
21.92
19.61
21.64
19.59
20.51
23.23
8.45
20.51
20.87
76
23.90
ROTE%
4.19
5.81
5.95
7.97
10.00
11.25
10.11
12.31
14.81
15.63
17.20
12.31
10.05
13
28.08
Return on equity%
8.86
5.91
4.73
3.88
3.84
5.31
5.30
2.36
0.40
0.40
13.62
2.36
4.31
53
6.76
Return on assets%
4.50
5.15
3.62
0.92
0.40
1.59
1.22
2.94
3.32
1.64
9.48
1.64
2.29
9
1.03
EPSRp
3.37
3.35
3.23
3.12
3.28
3.66
3.33
3.12
3.31
3.25
1.07
(0.17%)
0.74%
—
2.35
EPS growth%
17.84
18.56
15.70
15.84
13.82
11.14
11.14
9.85
12.27
14.60
29.55
11.14
14.21
94
1.42
Bookvalue per shRp
5.79
5.91
6.32
5.85
6.04
6.58
5.83
5.35
5.00
4.86
4.91
(4.26%)
(1.71%)
—
4.80
TBV/shRp
4.12
4.23
4.13
4.16
4.53
4.24
3.85
3.88
3.73
3.91
4.71
(2.94%)
(1.34%)
—
7.36
Dividend per shRp
4.83
5.10
4.98
5.05
5.01
5.77
6.31
5.92
5.98
6.86
6.09
6.48%
5.08%
—
28.53
Div yield (avg)%
28.20
25.34
26.64
26.62
26.19
23.93
20.97
19.09
21.06
21.52
24.90
21.06
24.63
46
3.36
Payout ratio%
4.82
5.82
7.70
9.46
8.76
5.88
4.35
2.01
2.94
4.77
26.90
4.35
5.32
72
48.12
Shares (diluted)B
56.58
58.80
59.69
54.86
54.52
49.53
46.62
42.31
44.11
49.31
49.24
(1.99%)
(1.43%)
33
28.75
Buyback yield%
18.96
18.27
16.70
19.33
20.03
22.26
23.03
20.62
22.55
19.80
22.04
22.26
19.91
7
29.28
Eq/Assets%
302.66
309.84
361.37
355.74
427.73
442.79
457.20
516.61
585.53
654.68
136.60
516.61
435.26
65
112.5
AssetsRp B
1,075
1,188
1,308
1,422
1,586
1,734
1,926
2,062
2,266
2,478
217.3
9.33%
9.61%
79
266.6
LT debtRp B
638.2
647.4
616.7
611.6
682.7
702.4
782.4
788.6
743.4
789.8
368.6
2.96%
3.38%
67
Non-interest expense
6.47%
1.01×
Net interest income
60.24%
Non-interest income
39.76%