796.2
RevenueRp B
892.5
914.7
933.9
949.4
970.1
1,014
1,057
1,108
1,111
1,117
829.7
2.86%
2.35%
8
4.39
Revenue growth%
20.94
19.35
16.67
18.44
17.44
20.30
22.19
24.06
23.40
21.89
12.74
22.19
20.62
39
13.98
NIM%
22.88
23.60
24.05
24.50
25.44
23.66
25.88
23.41
24.48
21.53
8.69
23.66
23.86
15
3.22
Effic. R.%
16.73
16.00
16.73
16.55
18.23
18.06
17.85
19.68
20.54
17.67
16.87
18.06
17.76
80
10.06
Net margin%
20.95
19.33
19.32
17.19
17.96
17.78
16.53
17.88
17.46
19.66
18.94
17.78
17.92
68
6.558
P/E ratio (avg)x
24.69
27.17
29.36
32.25
29.63
31.07
31.15
30.38
29.40
29.69
22.55
30.38
29.66
31
21.51
P/TBVx
24.89
26.42
24.00
24.16
24.10
25.92
27.15
30.56
31.88
31.48
8.700
30.56
26.17
25
36.27
P/Bx
22.87
22.96
23.34
27.67
28.35
27.13
26.83
29.06
30.23
33.19
35.78
29.06
27.40
75
904.2
NIIRp B
582.7
612.1
613.5
629.7
634.7
677.8
700.7
729.3
730.9
730.5
115.9
2.85%
2.18%
—
12.07
NII grth%
29.22
31.03
31.09
32.74
29.82
28.73
29.36
31.99
33.93
31.61
2.20
31.61
31.06
25
22.49
ROTE%
3.11
4.84
6.32
5.38
7.14
6.01
4.09
2.86
3.07
0.73
12.12
3.07
4.46
66
13.83
Return on equity%
4.86
3.42
3.36
5.95
5.09
2.42
2.61
5.04
7.81
5.73
23.24
5.04
4.95
37
12.26
Return on assets%
15.93
15.10
14.40
14.50
15.57
13.68
10.79
9.56
11.15
11.27
21.11
11.15
14.04
63
1.57
EPSRp
5.47
6.33
7.55
8.37
8.09
9.47
10.18
11.03
12.59
15.01
1.73
13.14%
10.70%
—
23.41
EPS growth%
28.23
29.40
28.61
26.04
28.03
30.88
33.11
34.55
34.31
35.00
22.21
34.31
30.14
31
3.63
Bookvalue per shRp
3.72
4.38
5.16
5.73
5.69
6.25
7.43
7.63
7.59
8.15
0.84
7.46%
9.22%
—
4.71
TBV/shRp
5.35
6.06
6.03
5.88
6.91
6.70
6.83
7.78
8.04
7.97
1.44
2.92%
4.16%
—
1.67
Dividend per shRp
1.44
1.22
1.13
1.03
1.00
0.98
1.00
0.91
0.96
0.93
2.36
(1.28%)
(4.18%)
—
25.29
Div yield (avg)%
18.67
21.41
19.35
20.48
22.39
24.09
25.93
23.95
24.47
27.37
23.89
24.47
23.17
49
9.48
Payout ratio%
21.46
24.01
23.27
23.78
25.28
26.65
29.50
31.92
32.46
30.63
16.77
30.63
25.97
21
187.2
Shares (diluted)B
214.8
246.3
253.8
268.6
259.8
275.6
270.4
295.4
308.4
287.4
188.2
2.04%
3.24%
47
7.16
Buyback yield%
15.69
13.68
12.76
13.75
13.25
15.25
15.30
14.85
16.65
15.77
9.31
15.30
15.05
60
177.40
Eq/Assets%
179.26
209.59
221.34
259.33
264.79
279.38
312.57
352.11
369.45
362.65
111.32
352.11
272.08
94
1,394
AssetsRp B
4,681
4,974
5,315
5,638
6,049
6,611
7,369
8,012
8,556
9,253
622.6
8.87%
8.53%
64
1,507
LT debtRp B
1,638
1,611
1,582
1,617
1,856
2,028
2,152
2,381
2,709
3,225
585.8
11.69%
7.31%
33
Non-interest expense
2.33%
1.00×
Net interest income
65.40%
Non-interest income
34.60%