353.6
RevenueRp B
137.7
149.3
157.7
167.9
181.9
197.3
208.8
221.1
241.1
254.7
377.5
6.96%
7.35%
81
2.35
Revenue growth%
9.84
10.03
8.28
8.76
9.54
8.52
8.14
5.59
5.93
8.44
12.17
8.14
8.48
73
21.62
NIM%
15.74
15.42
12.72
13.69
14.97
14.23
12.72
13.18
10.43
10.49
24.23
12.72
13.43
28
24.45
Effic. R.%
33.08
32.07
31.52
31.52
30.47
28.49
31.47
30.43
32.14
33.35
2.90
31.47
31.52
85
28.95
Net margin%
16.38
18.32
16.46
14.43
14.06
11.74
9.78
10.80
13.26
10.64
28.07
10.80
13.66
40
30.24
P/E ratio (avg)x
42.91
51.30
58.38
60.73
62.08
69.74
83.32
91.59
102.8
113.7
25.95
91.59
65.91
64
35.02
P/TBVx
7.037
7.334
8.243
7.487
7.305
7.528
8.375
9.145
9.082
9.664
14.35
9.082
7.886
35
34.67
P/Bx
34.62
37.33
38.31
42.61
42.49
42.91
48.74
51.01
48.74
52.34
31.44
48.74
42.76
66
190.2
NIIRp B
79.02
85.98
88.31
95.29
102.0
111.5
117.5
126.8
136.9
142.0
109.2
6.85%
7.13%
—
6.56
NII grth%
15.13
14.51
12.71
10.63
12.83
12.22
13.83
14.67
12.34
9.82
10.66
12.34
12.77
30
9.73
ROTE%
4.83
5.73
2.89
5.34
7.57
5.47
6.48
6.08
4.83
6.51
3.04
6.08
5.60
25
14.45
Return on equity%
21.53
23.10
20.13
23.08
24.31
22.71
22.71
20.90
20.29
20.32
27.55
20.90
22.12
59
5.93
Return on assets%
22.24
20.77
21.09
18.38
15.56
16.80
19.39
17.13
19.70
17.59
21.37
17.59
18.89
64
17.97
EPSRp
15.28
15.96
14.59
15.79
16.00
16.70
15.84
14.35
12.69
13.03
19.66
(4.03%)
(1.77%)
—
20.73
EPS growth%
9.38
11.39
11.63
11.21
10.04
8.23
6.31
5.40
5.90
5.90
8.30
5.90
8.80
44
26.68
Bookvalue per shRp
59.08
67.11
79.99
83.11
95.14
114.71
130.91
143.32
142.28
161.80
23.56
11.20%
11.62%
—
12.99
TBV/shRp
35.43
36.69
39.75
39.21
33.86
34.40
34.11
33.28
35.15
37.93
29.27
2.30%
0.47%
—
14.24
Dividend per shRp
30.63
30.51
33.26
34.71
30.83
28.79
26.33
27.26
30.25
27.78
28.43
(2.06%)
(1.86%)
—
18.31
Div yield (avg)%
20.56
20.53
21.15
23.49
22.64
20.78
23.24
25.24
26.50
27.51
11.51
25.24
22.94
34
25.87
Payout ratio%
12.59
12.67
10.74
12.65
10.45
11.70
13.87
11.15
9.19
10.10
24.46
11.15
11.42
54
13.17
Shares (diluted)B
15.27
14.57
14.19
12.22
11.62
12.18
12.63
12.41
11.34
11.62
13.05
0.01%
(2.73%)
75
10.57
Buyback yield%
11.53
9.93
10.05
11.55
9.65
11.22
8.32
6.31
8.86
8.39
8.73
8.39
9.79
24
54.45
Eq/Assets%
244.38
264.78
256.59
275.02
301.83
320.06
361.30
400.89
407.77
487.61
175.57
400.89
310.95
13
268.7
AssetsRp B
227.6
237.5
265.3
289.6
329.3
350.0
384.1
412.3
431.0
465.2
264.2
7.15%
7.96%
49
154.0
LT debtRp B
17.87
15.47
14.36
12.82
11.80
12.21
12.35
11.87
12.97
13.80
100.5
3.19%
(2.67%)
66
Non-interest expense
7.20%
0.99×
Net interest income
55.76%
Non-interest income
44.24%
Spread over hurdle
36.11%