268.7
RevenueRp B
225.7
241.7
262.2
281.6
297.9
320.3
335.1
361.1
387.3
415.2
288.9
6.86%
6.98%
54
21.25
Revenue growth%
5.45
2.84
3.47
4.38
6.30
5.90
2.99
0.40
0.40
0.40
11.51
0.40
3.23
49
8.65
NIM%
28.20
28.19
30.06
31.01
29.07
29.04
27.53
30.33
30.88
28.50
12.86
29.04
29.06
82
28.99
Effic. R.%
18.43
15.83
18.75
17.61
16.36
17.84
17.92
15.61
14.75
12.96
16.98
15.61
16.99
59
20.31
Net margin%
23.97
22.33
20.84
20.86
22.90
22.22
23.42
21.16
23.03
24.46
18.48
23.03
22.61
64
37.63
P/E ratio (avg)x
14.16
15.46
14.85
15.55
14.41
13.02
12.98
11.93
11.31
10.40
20.96
11.93
13.59
69
24.09
P/TBVx
20.28
22.65
23.73
25.76
28.80
28.34
29.89
33.33
31.91
32.36
7.267
31.91
28.57
81
16.78
P/Bx
33.92
39.61
40.75
45.39
52.33
50.44
58.17
61.88
64.92
70.85
28.48
61.88
51.39
39
83.23
NIIRp B
131.2
140.2
150.0
160.3
169.4
182.7
190.4
209.3
223.6
234.2
185.8
6.70%
6.65%
—
15.98
NII grth%
13.71
12.16
14.27
12.98
10.36
7.57
9.60
8.56
9.54
8.17
24.59
8.56
9.98
51
12.97
ROTE%
23.98
21.56
21.43
18.74
19.05
17.53
19.27
21.75
18.85
18.73
16.56
18.85
19.16
65
7.35
Return on equity%
17.10
18.66
21.32
22.54
22.13
25.06
23.44
23.42
26.17
26.91
6.47
25.06
22.98
71
25.07
Return on assets%
36.75
38.11
39.39
40.23
37.47
37.91
36.54
35.42
35.61
37.12
29.43
36.54
37.30
44
1.88
EPSRp
4.92
5.06
5.21
5.39
5.47
5.51
5.55
6.58
7.02
7.54
2.02
6.61%
5.59%
—
8.26
EPS growth%
25.69
26.41
28.79
26.02
26.86
28.45
30.83
31.55
34.30
36.88
29.21
31.55
28.62
53
6.38
Bookvalue per shRp
3.01
2.94
2.80
2.42
2.24
2.01
1.94
1.98
1.75
1.71
6.40
(5.23%)
(5.30%)
—
3.02
TBV/shRp
4.42
4.64
4.90
4.46
4.47
3.94
3.83
4.19
4.44
4.24
4.37
(1.05%)
0.44%
—
6.96
Dividend per shRp
7.48
6.49
5.74
6.05
6.09
6.27
6.32
5.59
4.91
4.66
5.12
(5.22%)
(5.34%)
—
12.52
Div yield (avg)%
23.62
21.55
20.78
23.05
22.24
24.03
23.30
21.59
22.25
24.77
18.26
23.30
22.65
29
14.82
Payout ratio%
24.95
26.83
25.01
23.63
23.81
21.39
21.40
21.06
20.57
22.41
13.86
21.39
23.02
77
34.22
Shares (diluted)B
48.35
55.31
60.79
70.01
71.81
79.98
93.46
89.09
97.21
106.5
34.23
8.20%
7.78%
23
4.85
Buyback yield%
22.93
22.87
20.38
20.21
18.73
21.48
19.99
17.60
18.02
18.68
22.84
18.68
20.10
16
66.50
Eq/Assets%
44.14
43.74
44.36
42.53
41.55
43.98
45.21
47.63
48.38
49.63
132.70
47.63
44.25
56
111.8
AssetsRp B
508.0
526.9
567.8
603.4
655.7
708.1
791.5
824.8
911.3
1,013
242.7
9.10%
7.85%
57
21.30
LT debtRp B
432.1
460.4
432.4
491.5
539.1
614.4
569.0
534.6
583.7
579.7
281.9
1.46%
3.22%
40
Non-interest expense
6.99%
1.00×
Net interest income
56.41%
Non-interest income
43.59%
Spread over hurdle
28.13%