59,604
RevenueRp B
107,547
109,403
111,697
112,454
113,249
118,678
122,547
125,109
130,765
135,971
62,946
3.72%
2.37%
38
24.61
Revenue growth%
9.75
7.96
9.34
7.88
7.85
9.64
10.93
13.78
12.71
12.04
14.35
12.04
9.69
92
9.96
NIM%
6.16
5.77
8.02
8.58
8.27
6.52
8.17
8.53
10.00
12.03
16.41
8.53
8.22
27
8.85
Effic. R.%
25.23
26.07
23.98
21.00
21.18
22.96
21.63
24.37
22.18
22.14
14.03
22.18
22.57
59
6.06
Net margin%
26.39
29.11
30.90
30.51
33.19
35.11
33.52
31.04
29.45
29.77
8.79
31.04
30.70
58
13.99
P/E ratio (avg)x
15.02
15.94
18.36
21.38
22.84
22.34
25.67
27.78
30.80
35.04
7.740
27.78
22.59
48
26.41
P/TBVx
14.12
14.08
12.52
11.94
12.48
12.27
12.48
11.10
10.78
10.10
22.50
11.10
12.37
10
16.97
P/Bx
18.52
16.25
17.50
18.32
16.95
15.49
14.78
15.41
15.99
17.18
7.263
15.49
16.60
55
71,028
NIIRp B
74,602
76,180
76,274
78,545
77,954
83,133
84,957
85,834
91,063
95,127
36,241
4.06%
2.60%
—
18.52
NII grth%
25.08
24.23
25.31
26.02
28.45
29.66
28.11
28.42
28.63
28.21
29.88
28.42
28.16
39
2.61
ROTE%
27.90
29.81
27.50
26.24
27.61
28.37
27.99
30.80
32.45
30.41
17.34
30.41
28.18
8
17.96
Return on equity%
14.30
16.91
18.80
17.14
17.99
19.22
16.92
16.24
17.53
18.74
15.79
17.53
17.34
11
29.80
Return on assets%
2.73
2.62
2.14
0.98
0.40
0.40
0.40
2.22
0.67
0.40
4.57
0.40
0.83
42
237.70
EPSRp
115.76
139.42
144.93
161.33
182.47
201.53
220.21
260.45
312.09
305.84
246.00
10.88%
10.92%
—
17.13
EPS growth%
18.80
18.72
18.06
16.21
14.79
11.97
10.78
9.21
6.48
6.85
4.69
9.21
13.38
71
124.41
Bookvalue per shRp
441.40
529.72
628.68
708.41
697.60
783.66
949.28
1,039
1,201
1,285
163.00
13.00%
11.37%
—
117.18
TBV/shRp
373.74
368.17
412.28
470.30
446.26
434.43
428.82
464.67
508.37
529.00
336.77
3.46%
4.42%
—
227.08
Dividend per shRp
93.31
93.76
100.28
87.67
87.48
86.05
79.30
86.18
77.82
85.98
158.64
(0.34%)
(0.41%)
—
13.90
Div yield (avg)%
7.27
8.65
11.31
12.62
12.67
12.47
12.99
13.76
15.92
13.64
8.16
13.64
12.65
84
5.24
Payout ratio%
19.33
20.35
19.53
20.08
20.30
20.08
17.98
16.28
16.06
13.28
3.02
16.28
19.43
94
146.5
Shares (diluted)B
227.8
260.4
288.4
304.8
332.0
383.5
434.4
404.6
429.3
442.9
147.5
5.94%
7.67%
35
19.22
Buyback yield%
21.81
24.76
24.34
22.83
21.73
20.21
17.36
17.20
15.79
13.00
16.76
17.20
20.97
81
58.83
Eq/Assets%
68.91
63.70
59.26
59.51
64.86
63.40
66.56
70.37
76.24
79.06
102.58
70.37
65.71
30
65,177
AssetsRp B
85,175
90,788
94,812
107,927
112,539
125,647
133,536
148,610
167,650
181,317
75,647
10.01%
8.43%
51
77,498
LT debtRp B
86,932
97,141
100,633
109,342
111,087
125,696
127,044
132,443
154,872
149,332
81,790
6.10%
6.93%
60
Non-interest expense
2.12%
0.98×
Net interest income
69.96%
Non-interest income
30.04%