467.1
RevenueRp B
976.7
966.9
979.0
998.8
1,021
1,020
1,038
1,061
1,094
1,132
506.5
2.09%
1.43%
30
5.00
Revenue growth%
14.76
16.42
16.30
13.32
13.92
16.22
15.01
13.65
12.37
10.91
22.84
13.65
14.34
92
12.96
NIM%
7.92
10.14
9.00
11.92
12.53
14.75
16.60
15.07
14.26
11.97
16.26
14.75
12.25
58
21.77
Effic. R.%
21.88
23.87
22.76
20.34
22.58
19.83
18.29
15.98
15.12
13.93
2.04
15.98
20.08
31
25.36
Net margin%
5.54
3.70
6.69
4.33
3.52
1.69
0.40
0.46
0.40
2.21
13.12
0.46
2.87
74
30.78
P/E ratio (avg)x
37.26
38.19
41.15
44.57
41.85
43.21
47.31
43.54
46.77
48.19
21.47
46.77
43.37
76
28.87
P/TBVx
26.81
26.92
28.47
25.50
25.42
26.99
28.98
29.55
28.13
30.19
37.91
28.98
27.56
86
26.39
P/Bx
10.41
9.214
10.08
8.975
9.213
9.503
8.968
9.883
8.619
7.632
11.88
8.968
9.214
57
220.6
NIIRp B
768.0
754.2
755.7
780.7
795.6
790.8
804.9
832.5
844.4
874.9
906.4
1.92%
1.41%
—
17.28
NII grth%
11.67
10.55
10.37
11.66
12.68
13.34
13.54
12.41
12.92
12.56
16.39
12.92
12.48
80
14.38
ROTE%
6.53
5.89
6.65
3.71
6.56
6.95
5.83
4.14
6.37
4.35
22.25
5.83
6.13
30
9.00
Return on equity%
11.75
11.82
9.50
9.95
12.91
13.46
14.65
17.16
18.16
20.34
3.40
17.16
13.18
6
13.97
Return on assets%
12.16
10.64
8.93
6.26
7.93
9.80
10.03
7.39
5.34
7.82
9.19
7.82
8.43
63
18.03
EPSRp
7.48
7.24
6.21
6.44
5.64
4.92
5.21
4.49
4.26
3.85
19.74
(7.35%)
(6.52%)
—
12.27
EPS growth%
25.49
22.98
24.79
23.10
25.53
23.51
20.91
20.98
19.14
21.15
5.49
20.98
23.04
63
16.81
Bookvalue per shRp
5.01
5.31
5.70
5.95
5.78
6.18
6.22
6.11
5.75
5.60
13.61
(0.62%)
1.29%
—
18.60
TBV/shRp
2.87
2.59
2.51
2.63
2.40
2.42
2.17
1.91
1.83
1.82
3.51
(5.34%)
(4.99%)
—
9.99
Dividend per shRp
2.60
2.40
2.36
2.28
2.32
2.56
2.87
2.97
2.91
3.19
18.16
6.59%
2.12%
—
5.54
Div yield (avg)%
22.44
21.55
22.17
19.79
21.35
20.91
22.24
25.20
27.77
28.76
10.92
25.20
22.20
8
18.11
Payout ratio%
8.02
10.95
12.62
10.73
11.54
12.85
10.90
11.41
12.52
9.98
17.13
11.41
11.18
16
17.48
Shares (diluted)B
15.51
15.33
13.36
13.47
12.43
12.32
12.31
13.29
14.09
14.59
18.11
3.25%
0.16%
82
26.26
Buyback yield%
5.81
4.38
6.23
7.31
8.34
8.12
6.37
7.65
6.74
8.68
25.43
7.65
7.03
13
42.60
Eq/Assets%
20.00
21.69
23.17
26.33
26.32
29.87
29.09
34.07
41.18
49.74
136.42
34.07
27.71
45
556.4
AssetsRp B
802.5
907.9
1,033
1,132
1,176
1,270
1,434
1,551
1,672
1,778
37.28
8.63%
9.26%
7
255.9
LT debtRp B
325.3
342.0
320.9
338.8
332.7
357.2
322.5
332.7
344.5
328.1
705.1
(0.28%)
1.02%
37
Non-interest expense
1.52%
1.01×
Net interest income
77.26%
Non-interest income
22.74%