892.2
RevenueRp B
4,235
4,528
4,930
5,387
5,835
6,326
6,754
7,436
8,199
8,702
923.0
8.32%
8.31%
73
13.43
Revenue growth%
27.11
26.61
23.93
25.71
26.06
26.45
24.35
25.26
22.77
21.04
7.59
24.35
25.49
57
12.53
NIM%
24.67
26.67
29.55
29.03
29.97
30.05
32.21
31.01
32.26
33.75
21.03
32.21
30.01
74
4.67
Effic. R.%
12.18
13.49
11.04
8.39
8.24
6.80
5.17
4.78
4.68
5.33
8.98
5.17
7.52
10
18.55
Net margin%
24.58
24.40
22.17
21.82
23.99
25.60
25.38
22.73
23.93
25.28
25.47
25.28
24.20
74
29.80
P/E ratio (avg)x
16.78
16.86
14.68
14.68
16.12
15.26
16.32
17.26
17.94
19.10
9.017
17.26
16.55
45
33.26
P/TBVx
7.637
7.141
6.580
7.070
7.414
7.277
6.405
6.882
6.097
6.040
15.34
6.405
6.976
25
29.81
P/Bx
10.56
11.56
10.84
12.10
13.83
15.12
17.08
19.48
19.96
19.92
20.47
19.48
14.48
52
4,475
NIIRp B
3,284
3,540
3,809
4,144
4,545
4,953
5,234
5,816
6,417
6,811
8,358
8.43%
8.39%
—
28.80
NII grth%
11.23
13.50
12.19
12.23
10.51
12.98
10.57
9.90
11.90
14.07
12.94
11.90
12.04
58
19.71
ROTE%
17.67
20.20
22.80
20.98
22.44
24.79
22.68
24.09
23.35
25.74
15.68
24.09
22.74
9
25.99
Return on equity%
24.15
22.16
22.46
25.04
26.24
25.36
24.55
26.47
26.41
25.47
7.15
25.47
25.20
79
25.45
Return on assets%
5.59
5.20
7.21
8.24
8.72
10.02
12.25
13.29
14.40
13.20
27.67
13.20
9.37
43
54.84
EPSRp
103.96
109.07
119.75
115.37
111.03
128.26
122.35
126.95
140.30
151.23
60.46
6.37%
4.10%
—
18.44
EPS growth%
21.22
24.05
25.50
27.07
25.48
25.74
23.17
24.58
22.55
21.20
2.13
23.17
24.31
15
189.31
Bookvalue per shRp
115.43
100.43
100.44
106.36
106.15
111.33
119.87
120.60
110.49
107.86
117.12
0.32%
(1.58%)
—
171.50
TBV/shRp
127.58
115.81
98.59
102.65
92.23
80.94
74.74
64.54
55.36
49.93
128.08
(11.55%)
(9.36%)
—
175.62
Dividend per shRp
40.60
42.82
46.55
42.93
44.25
48.23
45.01
49.45
45.26
43.54
129.10
(0.32%)
0.33%
—
18.39
Div yield (avg)%
23.82
25.92
28.86
29.12
28.62
27.62
28.59
28.07
27.35
24.64
21.67
27.62
27.85
51
7.01
Payout ratio%
15.03
15.70
15.35
16.12
13.87
11.11
13.40
14.34
13.18
14.76
12.48
13.40
14.55
7
24.56
Shares (diluted)B
38.59
37.53
39.89
41.45
48.61
56.14
55.16
59.40
58.61
61.06
25.07
4.67%
6.16%
45
14.19
Buyback yield%
4.86
2.08
2.07
3.39
6.28
8.13
8.04
9.56
11.02
10.44
12.68
9.56
7.16
16
115.20
Eq/Assets%
165.61
158.70
171.72
202.18
215.66
219.61
212.30
212.38
241.44
235.93
55.51
219.61
212.34
88
8,183
AssetsRp B
7,253
7,794
8,164
9,246
9,835
10,588
11,016
12,085
12,718
13,762
2,833
6.95%
7.58%
59
6,468
LT debtRp B
3,156
3,449
3,310
3,427
3,252
3,041
3,204
3,568
3,826
3,564
2,941
1.84%
0.88%
53
Non-interest expense
8.37%
1.01×
Net interest income
78.26%
Non-interest income
21.74%
Spread over hurdle
36.53%