758.0
RevenueRp B
2,197
2,164
2,198
2,165
2,206
2,215
2,261
2,249
2,298
2,267
784.5
0.55%
0.41%
35
17.23
Revenue growth%
1.38
0.40
0.40
0.40
0.60
0.40
0.40
2.00
0.40
0.40
7.06
0.40
0.40
89
16.76
NIM%
9.23
6.51
5.64
6.57
5.43
3.53
6.03
6.75
7.05
5.86
29.52
6.03
6.27
54
28.62
Effic. R.%
12.03
12.51
15.33
13.24
12.08
11.82
11.84
10.90
13.45
13.14
5.52
11.84
12.30
24
21.57
Net margin%
9.47
7.54
6.01
6.95
4.18
4.64
2.62
4.90
2.29
2.29
27.72
2.62
4.77
70
11.17
P/E ratio (avg)x
10.01
10.76
10.75
11.95
11.88
11.95
13.26
14.86
14.31
16.22
24.77
14.31
11.95
95
34.73
P/TBVx
45.10
47.88
43.77
48.86
49.76
45.08
42.53
43.57
44.24
39.81
12.41
43.57
44.66
81
19.31
P/Bx
18.40
17.92
18.59
16.26
16.47
14.33
12.56
11.14
11.95
10.39
25.71
11.95
15.30
34
997.5
NIIRp B
1,302
1,265
1,290
1,268
1,278
1,303
1,341
1,315
1,353
1,349
1,382
1.10%
0.48%
—
4.79
NII grth%
21.10
22.84
25.22
25.42
28.39
31.15
31.80
29.58
30.40
28.89
12.02
30.40
28.64
36
12.86
ROTE%
34.27
35.10
36.47
34.46
36.22
34.89
35.43
33.21
33.49
31.71
16.10
33.49
34.67
22
21.28
Return on equity%
17.09
19.06
21.52
21.58
20.81
19.44
17.98
20.10
17.89
19.64
6.80
19.44
19.54
54
23.54
Return on assets%
10.27
9.16
10.62
7.88
9.54
11.70
9.34
7.46
5.86
4.11
25.44
7.46
9.25
18
258.70
EPSRp
123.32
134.00
119.83
121.97
126.82
118.29
128.30
130.48
131.34
133.05
269.61
0.96%
(0.43%)
—
29.44
EPS growth%
2.27
0.40
0.79
0.40
3.00
3.66
3.63
4.08
2.65
1.36
20.35
3.63
2.46
15
86.60
Bookvalue per shRp
78.62
77.06
82.28
85.47
77.28
72.07
67.29
70.75
71.72
69.42
48.81
(2.12%)
(1.54%)
—
151.42
TBV/shRp
246.57
290.13
295.19
332.48
372.20
439.08
504.72
584.23
665.80
667.32
106.46
12.39%
11.38%
—
89.88
Dividend per shRp
142.31
132.74
133.78
141.67
153.19
133.07
127.22
114.06
105.95
101.11
97.20
(7.97%)
(2.91%)
—
13.83
Div yield (avg)%
23.71
26.00
24.47
26.33
26.21
23.41
24.22
21.78
20.26
22.79
26.91
22.79
23.97
68
3.79
Payout ratio%
26.80
27.55
27.48
26.42
26.23
26.74
27.18
29.73
27.94
29.99
28.05
27.94
27.33
65
4.102
Shares (diluted)B
4.244
4.556
4.663
4.833
5.562
6.365
6.789
7.479
7.719
7.409
4.141
5.90%
6.88%
91
23.27
Buyback yield%
0.40
0.40
0.40
2.91
4.08
1.22
1.67
3.85
6.01
8.61
9.25
3.85
2.29
69
40.39
Eq/Assets%
114.55
118.29
106.84
111.04
120.02
129.81
126.84
113.10
125.45
135.70
76.62
126.84
119.16
75
2,162
AssetsRp B
7,107
7,430
8,312
8,726
9,695
10,860
11,747
12,955
13,864
15,365
2,741
9.65%
9.37%
74
1,951
LT debtRp B
709.2
714.5
738.1
740.0
828.2
860.1
1,004
1,150
1,317
1,277
582.5
9.05%
6.77%
85
Non-interest expense
0.37%
1.00×
Net interest income
59.53%
Non-interest income
40.47%