2,187
RevenueRp B
3,755
3,852
3,906
4,080
4,170
4,326
4,473
4,634
4,894
4,960
2,376
3.53%
3.33%
48
9.98
Revenue growth%
11.51
11.46
10.76
13.28
10.30
10.02
12.88
14.96
17.94
15.87
5.76
14.96
12.20
88
29.31
NIM%
17.49
20.08
22.24
22.78
24.31
26.10
25.89
25.45
23.44
24.12
26.42
25.45
23.78
58
5.25
Effic. R.%
31.05
32.09
33.85
34.85
34.81
36.14
38.25
39.26
39.37
42.03
21.61
39.26
35.50
76
6.52
Net margin%
7.37
8.49
11.24
14.07
12.41
11.00
10.83
10.60
8.26
9.69
3.98
10.60
10.72
89
13.21
P/E ratio (avg)x
10.56
10.49
10.72
11.53
11.71
11.40
11.78
11.88
13.16
14.31
27.94
11.88
11.62
67
18.38
P/TBVx
10.91
11.60
12.25
11.67
12.33
13.53
14.26
14.99
13.71
14.86
15.04
14.26
12.93
64
30.94
P/Bx
23.51
24.25
25.18
28.13
26.76
23.84
21.45
21.20
22.77
22.44
36.08
22.44
23.68
32
1,344
NIIRp B
2,213
2,293
2,286
2,361
2,415
2,570
2,665
2,738
2,820
2,864
3,465
3.46%
3.33%
—
8.58
NII grth%
25.74
26.85
24.76
25.32
25.42
23.92
22.81
21.97
23.64
24.33
13.73
23.64
24.54
88
23.95
ROTE%
22.44
21.96
21.17
19.47
16.57
15.51
18.15
17.16
17.64
15.07
29.08
17.16
17.90
29
27.25
Return on equity%
14.82
16.13
16.87
17.58
19.58
21.21
21.05
23.46
25.49
27.21
28.22
23.46
20.32
16
11.96
Return on assets%
25.79
27.11
29.78
32.35
32.07
30.49
33.00
35.46
34.45
32.12
21.34
33.00
32.09
7
23.65
EPSRp
17.38
16.85
15.33
15.56
14.81
14.86
14.01
14.08
14.19
15.42
25.26
0.81%
(0.62%)
—
27.03
EPS growth%
28.77
26.93
26.48
28.44
27.15
28.39
28.96
31.51
29.61
30.73
24.85
29.61
28.60
5
26.17
Bookvalue per shRp
44.05
50.52
53.43
58.95
57.94
66.66
72.93
79.86
91.76
93.67
16.70
10.08%
9.28%
—
22.22
TBV/shRp
21.13
20.31
17.57
18.03
15.84
15.96
13.90
14.93
12.77
12.89
14.54
(4.04%)
(4.94%)
—
19.24
Dividend per shRp
15.26
14.81
15.84
16.29
15.31
17.34
20.26
22.42
23.48
24.10
28.64
9.49%
5.76%
—
10.83
Div yield (avg)%
24.17
23.72
25.76
26.43
27.27
26.70
28.28
30.54
31.83
30.01
16.44
30.01
26.98
81
28.34
Payout ratio%
11.54
9.28
8.80
10.52
11.62
10.58
9.80
11.87
9.86
7.42
26.16
9.86
10.19
23
74.20
Shares (diluted)B
77.94
70.85
68.17
68.69
74.65
69.56
67.04
63.28
56.95
53.31
76.91
(6.51%)
(4.07%)
62
27.35
Buyback yield%
26.47
23.90
22.34
22.29
19.38
16.54
15.70
16.60
18.23
20.92
12.61
16.60
20.15
57
157.10
Eq/Assets%
123.44
125.41
133.21
129.52
121.19
125.37
115.40
105.96
105.82
108.29
143.01
108.29
122.31
62
1,346
AssetsRp B
18,818
20,616
22,396
25,519
28,102
30,752
32,470
34,345
37,402
41,415
4,440
8.06%
9.65%
26
1,545
LT debtRp B
1,952
2,354
2,584
3,075
3,508
3,649
3,763
3,971
4,766
4,932
4,040
7.05%
9.82%
40
Non-interest expense
3.42%
1.01×
Net interest income
57.73%
Non-interest income
42.27%