18,766
RevenueRp B
48,385
52,121
56,971
61,807
67,897
73,494
78,515
84,050
91,490
97,112
19,560
7.42%
7.79%
23
12.47
Revenue growth%
25.00
22.54
24.09
24.64
22.37
20.73
22.02
20.91
22.41
21.91
3.65
21.91
22.39
5
2.95
NIM%
5.14
7.97
10.59
8.30
6.77
6.19
5.32
6.05
4.80
7.03
16.36
6.05
6.48
60
16.33
Effic. R.%
32.08
32.47
34.76
32.12
33.15
34.01
33.60
34.78
37.55
39.97
16.28
34.78
33.80
80
7.73
Net margin%
26.31
24.10
24.75
27.19
24.53
21.87
21.04
21.96
21.58
21.13
20.32
21.58
23.03
47
25.50
P/E ratio (avg)x
30.08
29.81
30.46
28.82
30.94
30.63
33.94
35.25
39.42
40.96
17.50
35.25
30.78
8
9.586
P/TBVx
13.68
16.02
18.61
19.54
22.62
25.96
27.69
31.30
31.52
32.25
7.058
31.30
24.29
76
6.639
P/Bx
20.55
20.98
21.95
20.49
20.03
22.35
25.58
25.33
27.45
31.46
30.32
25.58
22.15
87
85,370
NIIRp B
26,322
28,798
31,452
34,226
37,944
40,811
43,201
47,045
49,623
53,184
38,093
6.99%
7.84%
—
26.18
NII grth%
27.45
29.77
31.38
31.51
32.77
31.46
32.27
31.73
29.65
32.42
7.65
31.73
31.49
76
3.03
ROTE%
11.02
8.44
10.65
11.60
11.89
12.87
10.05
11.03
9.19
11.86
21.53
11.03
11.02
59
9.44
Return on equity%
28.77
31.76
30.15
28.13
26.87
28.05
28.95
30.42
33.19
33.46
10.88
30.42
29.55
71
5.07
Return on assets%
11.37
11.81
13.17
15.51
15.04
15.17
12.69
12.80
10.63
12.51
22.06
12.69
12.74
90
545.85
EPSRp
864.67
976.39
978.59
1,105
1,138
1,296
1,441
1,711
1,967
2,008
587.07
12.03%
10.09%
—
17.92
EPS growth%
25.02
25.64
26.15
25.47
24.81
27.08
27.35
27.06
24.08
26.59
11.96
27.06
25.89
18
735.27
Bookvalue per shRp
581.58
646.34
696.47
711.82
763.91
791.35
920.81
909.44
878.10
1,038
609.73
6.33%
6.80%
—
415.75
TBV/shRp
703.68
773.25
739.84
664.58
584.60
619.57
600.04
635.02
650.95
561.07
174.98
(0.82%)
(1.52%)
—
116.70
Dividend per shRp
1,027
1,085
1,135
1,278
1,188
1,339
1,518
1,607
1,611
1,835
231.26
9.08%
6.94%
—
25.72
Div yield (avg)%
32.82
35.06
32.86
29.94
32.67
32.03
33.29
33.84
36.36
38.88
24.10
33.84
33.07
8
19.56
Payout ratio%
6.40
4.25
1.67
2.46
4.41
4.46
3.71
2.49
0.40
0.40
28.80
2.49
3.10
15
122.1
Shares (diluted)B
165.3
187.7
190.0
221.7
223.6
214.6
251.6
265.7
310.7
352.2
123.6
9.51%
7.83%
88
28.97
Buyback yield%
2.68
3.40
1.22
3.27
2.50
4.39
2.72
1.87
0.49
2.21
6.34
2.21
2.59
67
92.21
Eq/Assets%
103.77
109.09
111.75
109.26
116.39
112.06
103.21
108.27
102.55
98.32
64.53
103.21
108.68
69
42,734
AssetsRp B
471,493
500,619
530,839
582,239
606,026
655,534
695,537
758,157
780,818
854,861
24,209
7.12%
7.07%
41
60,319
LT debtRp B
106,835
115,871
117,640
116,191
122,789
137,548
138,295
146,177
144,526
139,790
103,679
2.63%
2.19%
56
Non-interest expense
7.81%
1.00×
Net interest income
54.77%
Non-interest income
45.23%