5,009
RevenueRp B
5,064
5,325
5,466
5,721
6,039
6,406
6,795
7,165
7,343
7,537
5,170
4.53%
4.36%
36
19.36
Revenue growth%
22.40
22.00
24.11
22.99
24.99
23.53
22.82
23.60
22.73
23.35
14.71
23.35
23.17
65
10.96
NIM%
14.94
15.54
14.66
15.02
15.09
13.28
12.83
14.64
14.91
13.65
9.38
13.65
14.79
57
10.92
Effic. R.%
3.49
4.88
4.00
1.54
1.42
1.43
0.40
0.49
1.75
0.78
27.00
0.78
1.48
27
26.61
Net margin%
6.80
4.49
7.08
7.85
5.51
4.63
7.27
7.26
7.72
9.18
15.17
7.27
7.17
30
35.78
P/E ratio (avg)x
21.01
21.88
19.63
17.85
18.66
20.87
20.64
18.93
18.44
18.17
25.24
18.93
19.28
33
13.69
P/TBVx
14.76
14.43
13.78
13.89
12.46
12.03
13.04
11.97
11.30
9.916
15.82
11.97
12.75
70
20.15
P/Bx
16.06
16.14
16.28
17.70
17.21
17.48
16.53
17.94
16.87
17.74
25.77
17.48
17.04
81
751.9
NIIRp B
3,568
3,732
3,844
4,031
4,317
4,504
4,808
5,118
5,268
5,298
5,773
4.18%
4.31%
—
12.15
NII grth%
6.67
4.67
6.94
8.28
7.19
6.14
4.13
5.50
7.76
10.11
20.70
6.14
6.81
86
16.93
ROTE%
28.03
25.79
26.20
27.16
28.10
25.88
27.24
25.68
28.30
31.11
21.44
27.24
27.20
83
28.97
Return on equity%
14.83
16.00
15.99
15.96
17.19
19.67
21.96
22.26
22.38
23.95
8.45
22.26
18.43
23
18.86
Return on assets%
7.93
7.60
7.13
6.47
4.18
1.95
4.80
7.58
7.13
4.49
17.33
4.80
6.80
78
538.57
EPSRp
385.16
357.74
381.11
374.70
360.66
383.84
375.00
339.22
360.97
325.50
602.57
(2.03%)
(1.19%)
—
17.32
EPS growth%
22.63
20.42
17.49
15.75
16.22
18.27
16.04
15.39
16.61
17.43
13.75
16.61
17.02
85
107.36
Bookvalue per shRp
190.52
201.12
178.66
190.27
210.36
219.83
229.15
205.84
197.55
190.07
633.05
(2.01%)
0.91%
—
187.91
TBV/shRp
514.52
467.92
490.48
450.60
455.67
477.99
506.30
500.66
476.69
432.00
597.43
(1.06%)
(2.27%)
—
268.53
Dividend per shRp
152.71
141.58
126.94
124.29
131.76
137.54
124.85
105.95
108.71
109.06
457.22
(3.71%)
(3.92%)
—
26.71
Div yield (avg)%
23.79
26.05
24.16
26.66
26.41
25.15
26.65
29.37
27.65
26.35
19.37
26.65
26.38
35
26.96
Payout ratio%
28.92
31.49
33.63
33.14
30.67
30.86
30.97
31.12
31.96
34.42
4.71
31.12
31.30
71
6.305
Shares (diluted)B
6.197
6.618
6.317
7.050
7.905
8.087
8.166
8.033
8.026
8.700
6.144
1.93%
4.62%
7
8.66
Buyback yield%
11.05
8.65
10.92
11.36
9.70
10.68
13.65
11.07
8.92
6.57
15.80
10.68
10.80
55
149.32
Eq/Assets%
33.88
36.53
33.15
34.60
37.67
40.80
38.38
37.97
35.84
34.83
125.89
37.97
36.19
42
5,675
AssetsRp B
16,018
18,048
19,082
20,520
21,628
23,696
25,194
26,941
28,791
30,421
4,052
7.06%
7.78%
74
3,573
LT debtRp B
2,997
3,262
3,268
3,386
3,518
3,847
3,837
3,908
4,321
4,391
5,381
4.53%
4.90%
68
Non-interest expense
4.45%
1.01×
Net interest income
70.30%
Non-interest income
29.70%