11,337
RevenueRp B
11,230
11,878
12,393
12,731
12,882
13,082
13,826
14,609
15,126
15,355
12,412
3.57%
3.51%
77
11.40
Revenue growth%
23.10
21.17
20.64
17.96
18.09
20.55
21.44
22.90
23.22
20.95
26.48
21.44
21.06
26
13.23
NIM%
22.41
21.06
20.52
18.89
21.28
19.33
17.04
17.65
18.14
15.55
4.31
17.65
19.11
26
13.63
Effic. R.%
20.93
21.66
22.31
23.51
21.41
18.97
17.82
15.82
16.10
14.06
10.92
16.10
19.95
87
18.56
Net margin%
25.52
26.82
24.71
22.64
23.33
21.97
22.33
19.94
22.40
21.52
17.26
21.97
22.52
78
18.76
P/E ratio (avg)x
54.01
52.56
57.16
59.91
61.59
62.31
65.18
78.48
81.82
87.54
16.16
78.48
61.95
54
27.01
P/TBVx
32.29
35.39
36.36
42.24
40.49
39.53
38.20
40.12
47.07
50.26
35.66
40.12
39.82
80
26.10
P/Bx
39.43
43.41
48.20
44.35
42.02
41.27
41.39
40.34
44.79
43.56
21.66
41.39
42.71
48
18,646
NIIRp B
6,447
6,712
6,962
7,133
7,183
7,296
7,901
8,411
8,489
8,798
11,833
4.14%
3.51%
—
20.96
NII grth%
25.93
27.01
26.11
28.67
27.60
28.09
26.68
24.57
21.59
21.70
6.02
24.57
26.39
18
21.00
ROTE%
36.18
34.57
32.69
33.53
34.66
35.28
34.42
33.94
35.82
34.28
15.67
34.42
34.49
25
13.93
Return on equity%
1.44
2.72
0.40
0.40
0.40
2.95
1.15
2.53
3.27
2.79
27.87
2.79
1.99
14
12.61
Return on assets%
20.38
21.23
20.02
22.25
24.55
23.88
21.73
19.15
20.52
20.50
20.64
20.52
20.88
53
243.47
EPSRp
385.95
360.25
345.09
330.36
325.63
358.20
347.58
320.25
310.36
319.11
254.40
(0.40%)
(2.37%)
—
12.70
EPS growth%
10.73
9.97
9.67
10.44
10.19
11.64
12.63
10.51
8.67
5.87
8.11
10.51
10.31
67
189.10
Bookvalue per shRp
172.37
169.43
193.77
192.43
204.04
202.19
221.11
248.89
254.15
284.24
186.62
6.85%
5.54%
—
115.40
TBV/shRp
524.40
608.89
714.48
752.27
870.17
917.12
1,069
1,195
1,189
1,389
76.27
9.81%
10.72%
—
305.59
Dividend per shRp
246.09
278.55
309.74
348.65
387.98
369.34
417.35
412.24
400.24
384.27
237.63
(0.19%)
5.40%
—
29.66
Div yield (avg)%
5.91
6.57
5.06
2.65
1.69
2.68
1.00
0.69
3.42
5.28
4.24
2.68
3.05
77
29.54
Payout ratio%
10.18
9.58
7.98
5.64
6.85
8.51
10.01
9.59
10.56
8.12
18.48
9.59
9.04
95
37.52
Shares (diluted)B
30.14
28.39
28.78
31.03
29.98
26.62
27.35
23.34
20.76
21.31
37.92
(6.60%)
(4.26%)
10
15.19
Buyback yield%
28.24
29.69
31.10
33.28
35.81
38.14
39.19
41.03
41.49
40.36
21.09
40.36
36.98
55
166.63
Eq/Assets%
184.03
188.36
171.13
169.71
186.87
209.19
190.32
213.14
228.80
205.91
126.62
209.19
189.34
9
14,946
AssetsRp B
48,019
49,534
54,416
57,065
60,796
65,988
73,513
83,113
92,382
97,643
7,886
9.94%
8.39%
14
10,309
LT debtRp B
11,437
11,474
11,246
10,522
10,122
10,147
11,163
10,769
11,347
12,337
1,382
4.04%
0.07%
62
Non-interest expense
3.66%
1.01×
Net interest income
57.30%
Non-interest income
42.70%