16,232
RevenueRp B
10,387
10,728
11,375
11,866
12,329
13,135
14,056
14,728
15,760
16,718
17,217
6.28%
5.43%
33
17.61
Revenue growth%
23.94
25.22
23.37
20.85
22.07
23.89
22.86
23.57
21.32
20.30
26.97
22.86
23.12
34
18.84
NIM%
32.58
33.88
36.78
35.32
33.53
31.60
32.21
32.08
30.08
27.27
21.65
31.60
32.40
85
2.61
Effic. R.%
23.19
21.51
22.90
20.64
18.48
17.73
16.55
14.25
16.74
14.64
25.03
16.55
18.10
14
4.84
Net margin%
13.51
16.30
18.04
19.04
20.73
21.25
22.32
21.02
18.93
19.61
18.40
21.02
19.32
11
13.13
P/E ratio (avg)x
29.10
29.71
26.75
26.23
23.26
23.36
22.91
24.18
21.30
20.97
22.00
22.91
23.77
68
15.31
P/TBVx
26.46
26.33
22.86
23.69
22.53
23.92
20.33
21.40
20.43
20.97
20.74
20.97
22.69
81
15.54
P/Bx
14.19
15.49
18.50
18.37
22.28
24.20
28.87
31.58
38.07
41.79
28.45
31.58
23.24
42
13,479
NIIRp B
6,803
7,058
7,482
7,778
8,040
8,729
9,171
9,665
10,321
11,064
19,213
6.59%
5.63%
—
13.19
NII grth%
5.90
5.82
2.85
4.23
4.00
4.65
4.49
5.14
7.54
7.46
13.29
5.14
4.90
14
16.37
ROTE%
16.99
16.49
15.65
13.77
16.11
13.61
13.09
10.98
12.77
15.03
16.86
13.09
14.40
72
27.27
Return on equity%
13.21
16.17
17.36
17.50
17.17
14.56
17.12
15.89
16.14
16.51
6.41
16.14
16.34
33
21.01
Return on assets%
31.52
30.48
27.87
29.52
28.09
29.17
30.10
29.23
30.27
29.08
9.76
29.23
29.37
75
254.35
EPSRp
1,225
1,475
1,469
1,488
1,644
1,798
1,749
2,014
2,077
2,506
265.07
8.79%
9.19%
—
4.50
EPS growth%
2.28
2.14
2.69
2.90
0.54
0.40
3.19
4.24
6.08
5.78
13.44
4.24
2.80
58
572.03
Bookvalue per shRp
329.35
338.23
303.68
296.85
277.85
303.26
306.05
325.51
332.48
335.23
730.91
3.83%
(1.05%)
—
621.48
TBV/shRp
631.87
678.77
633.56
611.81
707.32
715.51
673.25
763.75
762.78
730.17
444.88
0.64%
2.95%
—
202.21
Dividend per shRp
593.88
613.90
642.04
747.58
812.23
842.10
799.16
784.17
764.90
844.07
594.68
0.77%
3.45%
—
22.87
Div yield (avg)%
19.73
17.01
19.52
19.64
20.31
22.62
21.44
21.89
23.18
21.70
18.39
21.89
20.87
69
2.57
Payout ratio%
30.16
31.96
31.77
30.92
30.93
28.44
27.41
25.80
25.58
28.27
7.71
27.41
29.30
69
10.03
Shares (diluted)B
7.481
7.167
6.870
7.107
7.347
6.532
6.900
6.757
6.175
5.760
9.627
(4.75%)
(3.55%)
33
6.27
Buyback yield%
4.16
2.03
3.63
3.96
3.87
3.42
0.59
0.40
0.40
0.40
15.18
0.40
2.73
41
25.31
Eq/Assets%
104.06
96.92
86.72
84.22
89.07
90.78
89.91
96.99
89.77
85.72
173.10
89.91
89.84
32
14,728
AssetsRp B
42,562
47,139
51,726
57,167
63,460
72,093
75,059
81,771
85,565
92,205
10,089
7.76%
8.71%
46
12,153
LT debtRp B
16,023
13,678
11,585
10,481
11,049
10,514
10,243
9,057
9,420
9,328
6,707
(3.33%)
(5.88%)
24
Non-interest expense
5.20%
0.98×
Net interest income
66.18%
Non-interest income
33.82%