7,983
RevenueRp B
5,325
5,514
5,792
6,018
6,302
6,664
7,038
7,280
7,719
7,973
8,499
4.82%
4.68%
88
15.68
Revenue growth%
27.46
25.19
26.84
29.07
31.22
29.15
28.70
30.18
29.97
31.49
21.46
29.97
29.11
29
29.32
NIM%
5.55
7.77
9.04
11.78
10.18
12.78
11.19
12.71
12.73
11.79
6.26
12.71
11.49
43
16.31
Effic. R.%
12.04
13.08
14.45
17.42
19.51
17.12
17.49
15.53
15.25
15.22
26.14
15.53
15.39
50
12.52
Net margin%
15.31
16.72
15.18
15.79
18.63
20.09
21.11
22.83
23.87
24.70
28.69
22.83
19.36
35
37.67
P/E ratio (avg)x
11.35
11.55
12.46
13.32
13.36
15.52
17.23
18.22
18.99
20.46
18.96
18.22
14.44
6
35.30
P/TBVx
40.97
41.29
44.39
45.17
46.38
52.91
55.88
64.72
63.77
74.04
11.29
63.77
49.64
15
7.570
P/Bx
29.14
29.76
28.84
26.74
26.59
28.85
26.19
25.91
25.46
22.87
12.45
25.91
26.66
92
5,886
NIIRp B
3,155
3,268
3,382
3,475
3,670
3,852
4,082
4,331
4,552
4,617
1,884
4.70%
4.45%
—
17.40
NII grth%
16.28
13.60
13.89
11.53
9.27
8.65
9.58
10.03
8.66
11.51
17.10
9.58
10.77
40
8.95
ROTE%
3.36
5.42
3.64
1.12
3.02
1.37
3.12
3.47
2.46
1.28
27.37
2.46
3.07
43
8.57
Return on equity%
25.19
23.24
26.06
28.58
29.92
27.53
27.10
26.29
26.18
26.18
9.48
26.29
26.24
78
4.99
Return on assets%
14.62
14.37
15.08
13.61
11.03
13.72
14.38
16.54
14.12
14.80
15.13
14.38
14.37
18
92.12
EPSRp
73.60
72.35
64.35
64.96
58.35
58.24
54.99
57.43
59.48
50.98
96.46
(2.66%)
(5.24%)
—
16.96
EPS growth%
3.99
5.34
7.06
6.92
6.32
7.53
10.16
7.57
10.22
8.81
24.84
8.81
7.30
6
78.10
Bookvalue per shRp
65.88
77.19
74.20
82.64
95.70
94.85
97.16
112.53
127.07
131.72
111.12
6.60%
8.53%
—
70.17
TBV/shRp
32.47
37.58
43.82
41.75
48.09
53.51
61.37
62.38
68.45
76.39
30.35
9.70%
8.37%
—
76.78
Dividend per shRp
111.55
109.46
125.10
134.45
149.40
145.26
152.97
173.56
173.84
176.33
119.72
3.37%
3.80%
—
6.85
Div yield (avg)%
20.71
23.01
21.79
20.16
18.69
15.75
16.07
15.30
13.30
15.09
23.46
15.30
17.38
67
26.38
Payout ratio%
9.77
11.36
9.79
9.75
8.27
11.07
13.71
14.69
15.90
15.45
27.37
14.69
11.22
91
46.02
Shares (diluted)B
43.26
41.80
45.22
39.30
38.31
35.49
30.57
32.93
29.35
24.93
46.11
(8.23%)
(4.70%)
79
18.28
Buyback yield%
7.65
9.92
10.29
10.96
11.24
14.19
15.58
16.53
14.73
15.82
10.57
15.58
12.71
71
54.48
Eq/Assets%
110.72
122.20
116.47
124.69
125.16
119.73
130.50
116.12
120.42
118.44
17.27
119.73
120.07
61
1,942
AssetsRp B
14,133
15,072
16,224
17,835
19,102
20,995
23,061
25,638
27,733
30,743
8,772
9.98%
8.65%
6
6,269
LT debtRp B
5,072
5,298
6,163
7,368
8,777
8,836
9,978
11,673
11,554
11,285
5,414
5.16%
8.60%
56
Non-interest expense
4.66%
1.00×
Net interest income
57.91%
Non-interest income
42.09%