3,149
RevenueRp B
1,350
1,451
1,544
1,652
1,708
1,816
1,962
2,106
2,282
2,366
3,453
6.74%
6.45%
40
9.26
Revenue growth%
17.48
15.65
13.54
12.61
10.91
11.67
14.53
11.91
14.69
12.47
12.60
12.47
13.07
54
27.79
NIM%
6.30
7.02
7.60
5.25
7.97
7.96
8.91
10.12
10.67
12.51
16.68
10.12
7.97
49
14.21
Effic. R.%
5.41
3.06
0.44
2.67
5.26
7.51
8.20
10.71
13.32
12.95
6.63
10.71
6.46
16
8.55
Net margin%
17.83
16.30
17.18
16.86
14.46
11.82
9.25
11.62
9.94
12.85
2.26
11.62
13.65
77
34.26
P/E ratio (avg)x
22.37
23.30
22.84
22.82
21.96
23.51
20.68
19.10
19.76
20.87
28.36
20.68
22.16
27
25.83
P/TBVx
11.34
11.46
10.91
12.61
14.54
17.12
19.05
20.53
21.29
23.00
32.08
20.53
15.83
33
33.88
P/Bx
49.74
51.46
52.88
53.81
63.70
71.77
69.50
71.52
71.27
78.75
8.383
71.52
66.60
90
1,058
NIIRp B
1,011
1,110
1,161
1,235
1,309
1,360
1,503
1,580
1,713
1,777
2,254
6.30%
6.29%
—
8.01
NII grth%
19.84
19.28
17.63
16.54
16.18
13.92
11.43
9.49
8.74
11.38
3.14
11.38
15.05
93
5.82
ROTE%
13.62
13.24
12.59
10.08
13.02
14.98
12.03
9.53
8.72
6.32
10.68
9.53
12.31
74
3.73
Return on equity%
8.11
10.25
10.48
9.10
8.23
6.28
6.67
4.52
2.03
0.40
13.82
4.52
7.39
7
13.98
Return on assets%
2.70
5.57
6.38
8.23
7.72
9.35
6.81
6.14
3.29
4.73
20.64
6.14
6.26
27
316.34
EPSRp
161.56
166.28
181.20
162.08
166.21
173.16
186.66
164.78
176.58
189.86
336.22
2.70%
0.10%
—
21.33
EPS growth%
25.25
28.15
27.07
28.62
31.49
31.41
33.42
34.39
33.52
31.75
5.42
33.42
31.45
86
183.34
Bookvalue per shRp
376.72
363.61
326.42
332.35
346.42
362.52
392.74
420.16
416.73
455.56
496.53
5.63%
2.13%
—
136.52
TBV/shRp
325.64
318.11
336.05
356.93
339.74
330.34
297.61
285.82
317.78
358.88
181.42
1.10%
1.91%
—
481.51
Dividend per shRp
69.45
63.09
64.47
64.36
69.15
61.88
59.60
59.20
66.03
66.05
334.39
(0.91%)
(0.65%)
—
19.40
Div yield (avg)%
15.03
14.99
16.06
18.25
19.17
16.81
18.03
17.84
15.26
17.84
22.09
17.84
17.33
90
13.24
Payout ratio%
13.81
15.53
18.28
19.01
19.78
21.01
19.79
17.15
18.04
19.75
6.90
19.75
18.64
43
3.659
Shares (diluted)B
4.496
4.996
5.530
6.285
5.998
6.638
6.465
6.603
6.563
6.654
3.703
2.10%
5.36%
67
13.26
Buyback yield%
13.45
12.25
10.92
13.67
14.18
13.71
10.78
8.02
6.65
8.49
23.93
8.49
11.59
13
43.47
Eq/Assets%
80.24
82.54
95.28
112.84
120.06
119.33
141.25
145.81
149.66
169.95
166.09
145.81
119.70
89
1,981
AssetsRp B
5,710
6,096
6,387
7,276
7,766
8,256
9,526
9,966
10,794
11,488
2,895
8.15%
8.12%
55
1,122
LT debtRp B
1,062
1,227
1,289
1,379
1,493
1,701
1,998
2,117
2,317
2,323
2,195
9.25%
8.07%
55
Non-interest expense
6.46%
1.00×
Net interest income
75.12%
Non-interest income
24.88%