14,494
RevenueRp B
9,381
10,004
10,680
11,772
12,509
13,411
14,716
15,809
17,098
18,852
15,792
8.55%
8.15%
7
25.92
Revenue growth%
13.75
16.03
17.55
20.51
20.82
21.24
22.74
24.00
25.38
23.98
9.16
23.98
21.03
48
24.84
NIM%
11.94
9.77
7.78
10.24
13.01
12.72
11.30
10.35
7.86
5.79
28.59
10.35
10.29
54
28.16
Effic. R.%
23.63
22.76
24.13
24.14
24.67
27.30
28.13
26.91
26.77
25.54
28.05
26.91
25.11
68
27.39
Net margin%
14.79
15.21
14.57
11.94
9.37
11.40
11.21
9.92
12.43
9.94
9.64
11.21
11.67
51
33.61
P/E ratio (avg)x
25.21
26.77
26.33
27.64
29.87
28.56
30.08
28.40
28.70
25.37
14.75
28.56
28.02
9
7.202
P/TBVx
32.72
33.39
37.15
41.15
37.86
37.86
40.07
38.54
35.55
33.96
35.98
37.86
37.50
24
6.287
P/Bx
11.67
9.957
10.50
11.32
10.12
9.655
10.47
9.985
9.793
9.837
29.35
9.837
10.05
55
5,260
NIIRp B
6,028
6,431
6,726
7,604
8,099
8,493
9,274
10,011
10,906
12,020
18,118
8.22%
8.20%
—
12.78
NII grth%
27.77
26.63
25.01
26.38
25.31
24.63
22.84
22.88
23.45
22.96
29.87
22.96
24.82
29
8.00
ROTE%
13.50
16.36
18.21
19.32
17.90
18.52
18.58
17.23
20.09
18.75
10.89
18.58
18.36
30
9.90
Return on equity%
21.61
20.60
20.47
17.63
14.79
15.69
13.73
12.84
10.30
7.90
19.24
12.84
15.24
34
23.53
Return on assets%
11.26
8.29
6.36
7.84
7.70
8.85
9.50
8.40
10.12
10.43
25.55
9.50
8.63
14
188.96
EPSRp
137.69
121.24
129.03
125.15
109.70
94.45
88.25
75.24
67.26
63.18
209.55
(10.45%)
(7.17%)
—
19.93
EPS growth%
27.11
24.74
23.53
22.39
24.40
26.42
28.90
28.64
29.08
31.89
2.20
28.90
26.76
41
121.68
Bookvalue per shRp
304.05
318.64
357.10
359.86
342.03
324.11
329.26
339.19
330.02
339.83
61.49
(0.13%)
2.26%
—
102.05
TBV/shRp
260.58
252.00
245.21
220.93
206.73
190.83
190.51
170.35
159.87
149.02
82.57
(6.34%)
(5.34%)
—
107.39
Dividend per shRp
86.61
85.09
83.25
86.74
92.46
96.58
101.24
94.27
99.23
97.84
139.17
1.14%
(0.19%)
—
20.54
Div yield (avg)%
2.78
0.40
1.44
3.38
4.27
1.76
4.72
5.15
4.23
6.12
22.30
4.72
3.80
17
14.67
Payout ratio%
23.10
23.76
21.76
21.04
21.83
24.73
25.80
23.04
23.43
25.57
7.22
24.73
23.26
69
36.33
Shares (diluted)B
51.03
52.31
55.06
54.94
53.95
50.52
52.13
56.20
52.00
54.15
36.10
0.07%
0.90%
60
26.65
Buyback yield%
15.68
13.67
13.31
14.22
15.56
12.59
14.26
14.30
16.73
14.05
6.36
14.26
14.24
89
170.75
Eq/Assets%
119.01
116.90
118.26
127.34
119.47
113.43
128.91
130.92
143.23
149.42
53.12
130.92
123.41
44
18,339
AssetsRp B
8,160
9,111
9,831
11,132
11,916
13,290
14,342
15,552
16,854
17,867
1,639
8.44%
9.22%
74
1,789
LT debtRp B
5,918
6,236
5,326
5,763
5,457
5,234
5,472
5,905
6,173
6,150
5,510
2.42%
(0.41%)
12
Non-interest expense
8.17%
1.00×
Net interest income
63.76%
Non-interest income
36.24%