215.5
RevenueRp B
266.0
285.4
312.2
336.4
369.1
392.2
419.2
443.0
468.9
508.6
227.9
6.62%
7.62%
59
16.06
Revenue growth%
14.73
13.88
11.86
13.89
13.55
15.61
12.62
13.67
15.27
12.74
4.44
13.67
13.78
30
12.93
NIM%
28.29
26.63
28.28
28.76
28.15
27.89
25.66
27.84
27.45
25.78
9.80
27.45
27.86
21
6.43
Effic. R.%
22.34
22.79
22.24
20.45
21.27
20.72
22.99
21.14
22.75
25.40
24.05
22.75
22.29
74
9.53
Net margin%
27.82
24.84
27.72
24.91
27.35
30.16
29.16
28.56
26.42
26.84
29.68
28.56
27.54
83
18.34
P/E ratio (avg)x
20.89
21.35
21.56
20.03
18.60
21.36
23.35
23.95
24.05
22.79
18.49
23.35
21.46
70
35.00
P/TBVx
9.831
9.088
9.232
8.462
8.435
7.549
6.712
6.816
5.911
5.327
23.84
6.712
7.992
10
13.40
P/Bx
33.78
32.67
33.97
35.36
31.56
32.27
33.36
30.59
28.27
30.06
7.160
30.59
32.47
79
379.5
NIIRp B
179.8
195.5
210.2
232.4
248.3
265.6
284.7
304.4
316.7
350.2
26.76
7.12%
7.75%
—
25.20
NII grth%
16.84
15.60
14.33
11.50
11.97
9.08
7.36
10.31
9.37
8.88
14.45
9.08
10.90
82
29.93
ROTE%
19.07
17.12
18.97
21.40
20.72
23.27
20.97
18.03
15.20
15.18
25.21
18.03
19.02
54
14.63
Return on equity%
3.42
0.72
0.40
2.74
1.12
2.29
0.40
2.11
1.19
0.40
10.81
1.19
1.16
95
2.60
Return on assets%
14.20
14.03
11.37
10.34
11.38
9.56
11.59
10.66
11.54
10.17
18.66
10.66
11.37
60
71.61
EPSRp
31.02
33.60
34.06
35.15
31.91
33.18
32.88
34.36
31.57
33.49
78.22
0.97%
1.70%
—
24.30
EPS growth%
23.83
24.53
23.52
25.45
22.58
25.48
27.46
26.82
24.99
27.95
26.68
26.82
25.22
7
110.89
Bookvalue per shRp
61.64
61.39
61.30
65.66
62.48
69.07
69.95
76.43
74.13
75.92
54.85
3.98%
1.26%
—
113.37
TBV/shRp
129.80
138.61
157.99
167.90
169.75
186.87
210.57
241.35
266.65
294.33
50.59
11.64%
7.81%
—
92.64
Dividend per shRp
61.71
70.59
72.64
81.71
83.20
95.21
94.95
108.26
115.31
125.73
97.40
8.61%
8.14%
—
5.60
Div yield (avg)%
2.97
3.92
4.16
1.98
4.38
2.04
1.60
2.08
0.40
0.40
28.59
1.60
2.06
67
9.86
Payout ratio%
12.98
10.66
9.00
6.44
3.86
4.49
5.68
6.05
7.68
8.61
17.52
6.05
7.06
64
3.315
Shares (diluted)B
3.597
3.486
3.583
3.806
3.775
3.662
3.432
3.377
3.843
4.260
3.430
2.45%
1.92%
37
28.90
Buyback yield%
17.38
16.65
16.99
14.54
17.09
15.72
16.26
15.79
14.05
11.65
24.05
15.72
16.02
67
27.02
Eq/Assets%
36.78
33.33
31.03
32.99
35.31
36.43
38.72
37.41
35.13
32.38
66.70
36.43
35.22
17
86.69
AssetsRp B
1,441
1,618
1,754
1,865
1,989
2,153
2,338
2,523
2,675
2,875
396.6
7.65%
8.10%
26
256.1
LT debtRp B
154.7
156.9
162.5
177.7
185.0
193.9
202.0
220.6
238.2
262.7
408.9
7.26%
7.26%
90
Non-interest expense
7.91%
1.03×
Net interest income
68.86%
Non-interest income
31.14%