144.3
RevenueRp B
58.57
62.48
65.64
70.79
74.82
81.10
86.77
93.81
100.9
107.6
158.4
7.54%
7.07%
37
18.00
Revenue growth%
7.83
6.68
8.77
5.86
5.45
2.49
2.50
0.40
0.40
0.40
18.11
0.40
3.97
10
7.36
NIM%
20.30
22.24
19.77
19.56
18.90
18.80
20.14
21.48
21.22
22.56
29.20
21.22
20.22
10
17.15
Effic. R.%
15.96
18.89
16.08
18.02
17.66
19.89
19.23
22.00
24.47
25.42
7.33
22.00
19.06
62
3.15
Net margin%
22.52
22.53
20.53
22.96
24.52
25.90
26.76
29.71
29.58
27.42
26.86
27.42
25.21
60
14.12
P/E ratio (avg)x
8.158
7.889
7.595
7.378
8.440
8.293
9.589
8.884
10.09
10.71
27.70
9.589
8.367
60
26.31
P/TBVx
21.07
18.56
16.79
18.57
18.09
19.67
21.56
21.05
22.91
20.75
27.31
21.05
20.21
89
31.20
P/Bx
44.02
48.67
45.80
42.40
45.24
44.42
42.33
46.68
51.39
46.84
10.96
46.68
45.52
63
74.95
NIIRp B
33.11
34.74
36.53
40.13
41.83
45.38
49.47
53.00
57.55
61.43
148.5
7.99%
7.00%
—
19.47
NII grth%
19.60
18.60
16.21
14.37
12.81
12.19
11.34
13.85
11.42
8.64
17.91
11.42
13.33
76
22.49
ROTE%
11.92
9.30
11.06
9.93
11.07
8.70
5.91
7.51
10.08
8.53
11.33
8.53
9.61
26
13.02
Return on equity%
25.06
22.90
23.73
20.84
23.65
23.85
26.62
28.54
26.58
28.75
4.39
26.62
24.45
29
28.37
Return on assets%
7.75
5.35
5.80
5.40
5.16
3.55
0.61
0.40
2.30
3.99
3.12
2.30
4.58
44
2.93
EPSRp
1.32
1.35
1.40
1.40
1.20
1.28
1.24
1.12
1.22
1.23
3.19
0.44%
(1.95%)
—
23.13
EPS growth%
17.89
17.03
18.54
18.99
18.05
20.60
23.16
24.41
22.64
20.42
16.62
22.64
19.70
70
1.43
Bookvalue per shRp
0.72
0.67
0.67
0.66
0.66
0.63
0.65
0.72
0.79
0.80
3.57
3.95%
0.49%
—
3.71
TBV/shRp
1.66
1.67
1.86
1.65
1.53
1.53
1.35
1.23
1.16
1.23
0.72
(4.30%)
(2.60%)
—
2.01
Dividend per shRp
3.98
4.56
5.00
5.23
5.40
6.35
6.01
5.96
5.67
5.40
4.12
(0.02%)
4.02%
—
3.68
Div yield (avg)%
13.12
11.83
14.20
13.15
11.16
11.35
13.77
12.54
9.65
9.04
22.60
11.35
12.19
53
19.40
Payout ratio%
0.40
1.57
3.66
5.13
2.17
4.14
2.58
3.53
0.83
0.87
17.61
2.58
2.37
12
43.38
Shares (diluted)B
65.99
72.29
75.25
82.70
88.54
89.61
93.12
98.81
111.0
120.1
44.50
6.28%
7.04%
56
25.70
Buyback yield%
35.06
34.04
31.28
29.63
29.60
30.81
30.53
27.92
27.91
27.09
11.79
27.92
30.08
81
149.45
Eq/Assets%
130.86
144.04
146.31
147.16
134.62
119.08
114.45
100.60
92.58
101.02
143.72
101.02
124.97
31
105.6
AssetsRp B
480.1
503.4
546.2
566.6
623.9
705.2
789.6
852.1
945.8
1,022
81.96
10.38%
9.00%
95
48.34
LT debtRp B
142.1
151.4
177.0
179.1
209.0
214.9
231.4
273.8
265.0
250.7
73.09
3.71%
5.41%
11
Non-interest expense
7.22%
1.01×
Net interest income
57.08%
Non-interest income
42.92%