1,985
RevenueRp B
1,758
1,788
1,818
1,816
1,900
1,937
1,981
2,030
2,040
2,066
2,203
1.69%
1.88%
34
25.72
Revenue growth%
19.85
21.60
21.02
23.15
22.35
22.21
23.42
23.32
23.14
21.75
25.90
23.14
22.28
43
24.15
NIM%
17.29
15.90
13.90
14.66
15.56
12.79
14.97
13.18
11.45
11.73
26.67
12.79
14.28
75
28.08
Effic. R.%
2.51
4.62
4.64
5.93
7.10
8.07
6.25
6.43
4.26
4.35
11.41
6.25
5.29
29
8.24
Net margin%
23.77
23.77
21.28
22.64
22.99
22.92
23.91
24.42
24.48
25.67
20.81
24.42
23.77
7
10.26
P/E ratio (avg)x
27.80
27.05
23.23
21.05
19.98
20.97
22.79
22.60
20.46
21.78
25.89
21.78
22.19
84
17.27
P/TBVx
24.09
22.90
22.87
21.61
24.47
24.11
26.04
28.08
31.37
33.91
15.12
28.08
24.29
17
17.00
P/Bx
11.06
12.26
12.21
13.36
13.45
15.77
18.29
19.87
21.01
25.25
35.58
19.87
14.61
6
906.4
NIIRp B
1,397
1,420
1,465
1,439
1,499
1,541
1,563
1,608
1,642
1,630
1,617
1.68%
1.75%
—
2.80
NII grth%
2.58
0.98
2.65
5.54
5.34
2.93
5.92
4.26
3.69
1.15
12.41
3.69
3.31
11
4.02
ROTE%
21.16
22.52
25.20
25.34
27.41
24.85
26.11
24.96
23.31
21.90
20.52
24.85
24.91
61
15.86
Return on equity%
4.74
5.99
7.09
4.78
3.85
2.72
1.14
0.40
0.40
1.18
17.74
1.14
3.28
26
3.96
Return on assets%
12.51
10.94
12.20
14.98
14.95
15.10
12.98
10.16
7.24
5.03
5.80
10.16
12.35
39
56.57
EPSRp
34.47
38.40
38.03
41.01
45.75
42.52
45.91
42.86
45.44
50.76
62.04
2.10%
4.23%
—
28.47
EPS growth%
28.23
30.37
33.35
30.68
32.13
30.85
29.05
31.20
32.06
33.93
5.88
31.20
31.03
14
60.34
Bookvalue per shRp
84.46
87.53
83.29
82.02
86.58
85.40
80.03
80.61
75.65
81.23
19.23
(1.27%)
0.32%
—
63.72
TBV/shRp
52.07
56.42
58.86
56.27
63.85
66.57
70.23
72.11
70.89
84.40
33.65
5.74%
6.25%
—
81.33
Dividend per shRp
32.73
32.77
32.76
32.54
32.29
32.57
35.48
38.51
43.68
46.19
15.06
7.42%
2.61%
—
21.10
Div yield (avg)%
28.63
27.76
30.50
27.78
24.78
23.16
24.87
23.28
25.32
22.51
18.31
23.28
25.09
85
25.91
Payout ratio%
18.60
18.15
16.08
15.53
14.00
16.17
18.09
20.93
20.94
19.91
8.69
19.91
18.12
58
20.97
Shares (diluted)B
25.37
26.84
31.49
34.73
36.20
41.79
45.15
45.45
48.39
53.06
21.19
7.95%
7.84%
88
26.55
Buyback yield%
17.54
17.85
20.38
22.91
20.24
22.81
24.69
26.34
26.97
29.01
10.58
26.34
22.86
9
29.28
Eq/Assets%
16.61
15.62
13.80
12.82
13.94
13.24
13.11
13.80
12.81
12.08
152.61
13.11
13.52
44
1,996
AssetsRp B
5,013
5,364
5,588
6,148
6,503
7,081
7,904
8,492
9,142
10,360
1,480
9.76%
8.72%
12
1,135
LT debtRp B
1,461
1,371
1,409
1,298
1,393
1,301
1,288
1,215
1,219
1,192
1,910
(3.08%)
(2.49%)
71
Non-interest expense
1.89%
1.00×
Net interest income
78.89%
Non-interest income
21.11%