482.3
RevenueRp B
1,407
1,482
1,504
1,537
1,601
1,655
1,744
1,812
1,907
2,016
506.7
4.73%
3.97%
94
6.51
Revenue growth%
12.96
11.66
12.67
15.60
14.97
12.15
10.06
9.49
8.11
7.46
25.53
9.49
11.91
27
2.95
NIM%
11.94
13.15
11.35
12.12
14.77
14.78
14.94
12.62
15.56
14.46
28.69
14.78
13.80
68
21.71
Effic. R.%
3.42
2.32
4.54
4.96
7.89
9.16
10.56
9.99
11.51
8.56
9.94
9.99
8.22
76
26.53
Net margin%
11.95
11.76
11.84
9.08
9.53
8.69
8.24
8.95
10.79
11.95
11.00
8.95
10.16
23
25.83
P/E ratio (avg)x
23.21
22.49
21.48
22.62
22.19
21.35
19.87
21.30
22.41
23.01
34.82
21.35
22.30
60
14.91
P/TBVx
38.27
42.03
47.85
48.15
47.05
49.33
48.48
52.14
52.56
56.40
8.871
52.14
48.32
26
8.513
P/Bx
20.73
23.49
25.05
24.23
23.59
27.12
30.83
36.58
41.65
49.33
37.17
36.58
26.08
52
609.8
NIIRp B
996.6
1,063
1,077
1,090
1,151
1,177
1,246
1,278
1,364
1,445
1,202
4.65%
4.02%
—
2.72
NII grth%
10.68
13.51
12.99
15.57
15.79
12.89
12.87
15.33
17.74
14.95
27.92
14.95
14.23
88
16.30
ROTE%
9.94
9.36
6.62
6.16
8.75
10.01
7.19
7.81
10.26
11.16
28.97
10.01
9.05
31
9.26
Return on equity%
10.54
12.39
11.06
8.70
11.50
11.97
11.18
14.16
15.86
17.35
20.94
14.16
11.74
5
18.39
Return on assets%
24.01
26.06
28.86
31.36
33.76
32.19
32.49
34.54
34.76
37.08
2.98
34.54
32.34
48
46.56
EPSRp
107.25
105.19
99.37
91.47
88.67
89.08
93.53
101.43
94.86
103.49
48.62
3.14%
0.79%
—
8.31
EPS growth%
31.80
33.23
35.87
38.06
38.17
39.92
38.68
39.62
38.62
40.90
2.77
39.62
38.40
53
19.29
Bookvalue per shRp
99.53
102.34
109.65
106.62
104.93
101.84
101.82
99.31
97.80
95.99
102.97
(1.77%)
(0.93%)
—
20.85
TBV/shRp
140.08
137.09
138.23
147.25
145.11
166.93
170.46
198.74
232.59
254.31
84.00
11.88%
7.84%
—
126.46
Dividend per shRp
81.61
94.20
87.66
84.45
81.65
81.86
80.53
80.21
84.40
84.71
112.53
0.74%
1.74%
—
5.63
Div yield (avg)%
0.40
0.40
0.40
0.42
0.40
3.36
0.98
3.02
3.66
4.62
2.80
3.36
0.70
79
29.12
Payout ratio%
5.17
7.68
6.58
3.87
5.82
6.92
6.07
4.91
6.39
7.78
7.48
6.39
6.23
24
13.88
Shares (diluted)B
16.39
17.65
18.04
15.77
15.42
13.35
14.54
15.14
15.48
13.30
14.22
(2.92%)
(1.16%)
56
14.32
Buyback yield%
30.01
32.19
34.13
34.59
32.01
34.88
32.39
35.01
34.12
33.18
14.89
34.12
33.65
13
153.26
Eq/Assets%
36.39
38.88
42.78
49.43
52.02
59.85
66.17
74.11
72.88
82.26
12.44
72.88
55.94
26
954.6
AssetsRp B
4,262
4,542
4,954
5,238
5,558
6,030
6,909
7,505
8,457
9,382
154.8
11.04%
9.00%
72
1,412
LT debtRp B
2,066
2,298
2,365
2,126
2,047
2,054
1,830
1,863
1,968
1,933
1,828
(1.14%)
(0.01%)
14
Non-interest expense
3.80%
0.98×
Net interest income
71.67%
Non-interest income
28.33%