77.66
RevenueRp B
520.7
556.2
585.6
618.1
655.4
709.6
757.5
812.2
878.0
953.6
80.24
7.79%
7.00%
74
26.01
Revenue growth%
8.02
7.21
5.76
7.90
9.74
8.65
8.86
11.40
9.85
11.41
25.26
9.85
8.75
65
13.99
NIM%
28.34
26.41
23.46
25.85
26.62
25.21
26.53
26.06
25.32
27.28
24.86
26.06
26.24
58
9.05
Effic. R.%
1.31
3.75
1.85
0.62
3.48
3.73
4.51
7.08
5.69
5.85
9.57
5.69
3.74
93
29.50
Net margin%
18.03
19.41
17.56
18.94
16.21
14.31
15.73
17.22
16.14
15.82
4.45
15.82
16.72
15
15.05
P/E ratio (avg)x
22.78
20.19
20.37
17.71
17.17
15.55
16.32
16.68
15.70
13.43
23.83
15.70
16.92
86
25.73
P/TBVx
23.66
23.36
25.97
24.25
27.86
29.52
29.88
30.50
30.81
33.63
32.82
30.50
28.69
93
29.53
P/Bx
21.74
20.85
22.43
20.10
20.40
19.76
17.85
17.01
14.76
15.50
22.04
17.01
19.93
18
629.1
NIIRp B
289.1
315.2
329.2
349.1
370.7
399.5
426.1
452.3
499.1
542.2
1,154
7.90%
7.27%
—
28.42
NII grth%
23.71
24.48
25.45
25.13
27.35
28.00
28.79
28.62
30.80
31.09
14.65
28.79
27.67
41
8.31
ROTE%
0.40
0.40
0.40
0.40
1.37
1.39
0.40
2.12
1.68
0.77
10.38
1.39
0.59
79
25.38
Return on equity%
18.20
17.58
18.46
18.40
17.76
16.46
14.12
11.32
10.27
12.80
16.77
12.80
17.02
40
22.72
Return on assets%
11.05
9.28
6.36
9.06
7.07
8.37
9.54
10.72
13.33
14.83
10.33
10.72
9.41
30
67.78
EPSRp
26.38
28.72
33.21
33.64
32.85
33.30
35.97
42.73
51.80
54.57
70.46
10.68%
7.38%
—
11.48
EPS growth%
11.49
11.27
9.50
8.76
8.97
6.00
3.49
5.40
6.61
4.05
5.28
5.40
7.68
91
22.80
Bookvalue per shRp
49.09
49.07
49.81
54.63
47.88
49.39
49.66
47.01
50.15
52.53
68.72
1.87%
(0.41%)
—
48.58
TBV/shRp
48.93
50.83
53.95
55.81
54.94
51.53
45.26
46.80
50.50
43.65
65.15
(4.50%)
(1.59%)
—
36.16
Dividend per shRp
47.34
45.26
47.48
48.75
50.32
56.13
61.16
68.35
65.58
69.78
12.42
6.76%
3.31%
—
4.42
Div yield (avg)%
28.25
25.70
24.56
21.77
22.99
25.90
25.51
28.38
30.43
30.25
28.19
28.38
25.80
70
28.10
Payout ratio%
26.87
25.35
27.98
28.07
26.78
27.66
27.82
25.23
26.02
26.30
22.40
26.30
26.82
16
17.68
Shares (diluted)B
15.59
15.49
16.86
15.88
14.97
12.97
13.87
14.04
15.32
16.41
18.54
1.85%
0.62%
57
12.18
Buyback yield%
23.08
25.38
26.18
27.85
26.69
23.97
23.74
24.46
25.10
26.07
16.08
24.46
25.24
70
75.47
Eq/Assets%
172.08
161.69
173.15
190.20
207.05
214.61
222.46
230.89
249.70
274.18
68.80
230.89
210.83
77
1,235
AssetsRp B
1,909
1,968
2,185
2,446
2,617
2,901
3,123
3,377
3,660
3,913
1,183
8.38%
8.45%
94
1,045
LT debtRp B
387.3
386.4
398.4
417.2
426.0
406.8
428.6
416.5
434.8
426.0
250.1
—
1.47%
81
Non-interest expense
6.87%
0.99×
Net interest income
56.86%
Non-interest income
43.14%