31,670
RevenueRp B
76,782
78,105
78,836
81,860
82,970
87,168
89,109
90,058
92,928
94,033
34,357
2.53%
2.46%
50
20.60
Revenue growth%
5.54
7.96
6.69
8.11
6.17
6.65
7.78
9.34
9.68
11.71
21.41
9.34
7.87
16
4.90
NIM%
10.46
8.14
9.08
9.15
6.61
8.58
8.58
7.70
7.78
5.72
20.70
7.78
8.36
79
23.43
Effic. R.%
17.02
18.53
18.06
17.90
20.13
21.56
21.53
20.92
21.03
23.04
7.07
21.53
20.53
19
27.16
Net margin%
23.20
25.48
24.72
27.20
24.71
23.24
25.13
27.65
30.53
31.49
2.48
27.65
25.31
35
13.29
P/E ratio (avg)x
48.85
55.12
57.38
67.56
69.46
70.51
67.34
67.14
70.83
73.51
24.65
70.51
67.45
40
27.42
P/TBVx
32.62
34.78
38.62
36.98
42.58
48.71
45.37
49.12
55.62
55.53
6.204
49.12
43.98
92
19.89
P/Bx
27.02
26.44
24.67
22.54
20.48
22.62
23.20
24.65
27.88
30.70
30.46
24.65
24.66
42
33,440
NIIRp B
52,476
53,468
54,094
56,625
56,717
59,417
60,334
61,770
64,377
64,320
64,239
2.55%
2.39%
—
7.68
NII grth%
17.04
17.86
17.93
17.32
18.49
19.96
22.44
22.03
22.15
19.74
11.76
22.03
19.11
83
8.70
ROTE%
22.76
20.75
22.07
19.66
20.00
18.78
17.24
14.74
15.30
17.76
23.18
17.24
19.22
27
12.42
Return on equity%
22.59
20.14
22.56
21.35
23.53
21.34
22.23
21.69
22.23
24.70
8.14
22.23
22.23
75
23.69
Return on assets%
18.51
20.96
22.30
19.89
18.62
19.24
20.64
20.45
23.29
23.89
19.58
20.64
20.55
42
265.24
EPSRp
136.22
127.68
136.65
137.13
143.63
131.70
118.52
111.21
118.37
112.16
290.05
(4.83%)
(2.96%)
—
17.04
EPS growth%
2.67
4.13
6.63
8.13
9.01
8.68
5.69
7.04
9.00
6.20
5.85
7.04
6.84
23
345.22
Bookvalue per shRp
564.28
628.56
648.13
725.52
696.01
671.43
706.10
779.50
905.33
983.70
268.43
7.16%
5.25%
—
470.14
TBV/shRp
84.04
88.77
83.42
88.30
92.61
79.42
74.90
75.16
66.41
69.66
453.97
(5.54%)
(2.24%)
—
487.74
Dividend per shRp
635.77
656.15
625.46
594.78
639.95
695.36
726.81
837.46
925.08
904.22
467.97
7.16%
4.52%
—
14.66
Div yield (avg)%
34.68
34.31
36.89
34.53
36.34
39.06
40.29
42.11
39.85
37.13
19.15
39.85
37.01
46
18.55
Payout ratio%
1.03
0.40
0.40
1.25
2.24
1.89
3.23
5.91
8.14
5.73
10.20
5.73
2.06
95
95.34
Shares (diluted)B
104.3
104.3
98.31
109.6
109.7
113.4
117.4
105.6
102.1
91.67
94.51
(3.53%)
(1.50%)
30
26.23
Buyback yield%
28.23
27.51
27.76
27.15
29.76
28.14
28.23
28.24
30.64
30.76
18.78
28.24
28.23
67
93.48
Eq/Assets%
221.96
242.15
261.50
303.33
315.57
350.67
392.85
467.01
483.45
477.24
171.43
467.01
333.12
54
32,094
AssetsRp B
24,946
27,819
29,044
32,430
35,106
36,889
39,323
43,204
44,709
48,552
52,687
6.70%
7.84%
22
40,863
LT debtRp B
5,447
5,393
5,443
5,469
5,802
5,620
5,125
4,736
4,875
4,357
68,422
(5.57%)
(3.61%)
60
Non-interest expense
2.48%
1.00×
Net interest income
68.40%
Non-interest income
31.60%
Return on capital
153.91%