204.2
RevenueRp B
921.1
975.5
1,030
1,108
1,158
1,228
1,323
1,423
1,486
1,571
208.7
6.28%
6.28%
94
22.46
Revenue growth%
4.97
7.27
7.70
8.91
8.08
7.72
7.43
5.72
4.83
2.39
9.33
5.72
7.35
45
27.53
NIM%
5.29
3.66
6.20
3.75
5.93
6.78
8.08
6.43
8.01
7.24
22.74
7.24
6.31
90
17.80
Effic. R.%
20.21
18.44
18.74
16.61
16.44
13.68
15.66
14.69
14.69
14.01
29.72
14.69
16.05
24
10.38
Net margin%
31.78
34.05
35.16
33.68
33.63
34.67
35.43
34.15
32.56
29.60
27.74
34.15
33.86
26
28.49
P/E ratio (avg)x
10.30
10.84
9.556
8.760
7.936
8.325
7.507
7.677
6.978
6.797
12.54
7.507
8.131
78
30.10
P/TBVx
32.25
30.03
29.02
28.87
28.70
28.99
31.76
28.76
32.16
33.15
37.15
31.76
29.52
53
27.97
P/Bx
17.33
17.58
16.27
14.97
14.41
13.07
14.27
12.90
12.95
13.24
11.42
13.07
14.34
7
711.0
NIIRp B
720.1
757.9
789.1
844.7
896.2
954.2
1,020
1,112
1,153
1,219
1,211
6.35%
6.41%
—
2.69
NII grth%
24.27
25.53
23.78
21.70
19.67
16.68
15.31
13.15
10.82
12.53
8.07
13.15
18.18
28
7.01
ROTE%
13.62
11.96
13.21
14.14
11.89
11.30
10.25
11.81
9.16
8.13
6.70
10.25
11.85
40
11.99
Return on equity%
5.89
4.18
5.77
3.68
6.31
8.84
10.70
8.97
11.44
12.93
27.85
10.70
7.58
64
26.08
Return on assets%
10.35
9.32
12.24
9.40
8.93
9.18
9.22
10.63
12.27
12.52
23.32
10.63
9.88
51
116.67
EPSRp
49.85
54.99
51.70
49.70
53.68
58.38
62.72
68.51
64.73
60.15
119.15
2.30%
1.32%
—
20.12
EPS growth%
29.74
32.36
33.62
34.74
32.16
31.54
31.69
32.25
33.11
35.93
27.78
32.25
32.30
31
105.78
Bookvalue per shRp
23.83
21.86
22.94
20.57
23.28
25.10
26.81
29.18
29.34
29.76
25.44
5.03%
1.62%
—
87.53
TBV/shRp
136.12
134.18
154.10
156.16
166.86
184.48
221.61
253.24
267.73
291.56
114.93
11.81%
8.61%
—
109.28
Dividend per shRp
16.15
13.88
14.09
12.83
12.34
11.52
9.76
9.18
8.66
7.39
26.16
(9.76%)
(8.61%)
—
23.42
Div yield (avg)%
24.17
21.74
19.04
16.68
14.70
15.56
14.09
11.51
14.10
12.26
4.76
14.09
15.13
51
20.43
Payout ratio%
27.55
30.49
30.08
27.99
29.59
28.42
30.76
31.65
33.33
31.96
3.53
31.65
30.28
8
10.37
Shares (diluted)B
14.00
12.50
11.60
10.35
11.02
10.41
11.48
11.58
11.86
11.28
10.43
0.47%
(2.03%)
41
21.85
Buyback yield%
2.02
4.47
5.19
2.91
4.51
6.97
7.84
7.38
10.02
7.36
6.20
7.38
6.08
43
84.15
Eq/Assets%
74.19
83.74
90.18
90.26
98.60
107.18
107.68
110.94
109.69
117.20
87.03
109.69
102.89
44
1,331
AssetsRp B
533.0
560.9
613.7
629.6
669.2
726.0
804.3
852.5
940.7
1,021
328.2
8.82%
7.87%
37
1,348
LT debtRp B
1,348
1,442
1,404
1,314
1,256
1,079
1,091
1,013
1,048
1,076
892.7
(3.05%)
(1.40%)
36
Non-interest expense
6.07%
0.98×
Net interest income
77.65%
Non-interest income
22.35%
Return on capital
107.31%
Spread over hurdle
98.95%