3,240
RevenueRp B
3,741
3,833
4,086
4,356
4,610
4,739
4,886
5,179
5,372
5,636
3,450
4.10%
4.46%
62
29.17
Revenue growth%
27.40
26.62
29.36
28.56
31.23
31.27
30.41
29.53
26.57
28.21
25.91
29.53
28.96
46
21.87
NIM%
4.30
2.58
0.40
0.99
2.12
2.38
1.70
4.06
2.07
3.06
4.64
2.38
2.25
90
16.15
Effic. R.%
26.29
25.81
25.15
27.80
25.52
28.03
29.29
29.17
31.36
32.29
9.33
29.29
27.91
10
18.17
Net margin%
14.13
11.20
12.26
15.17
14.89
17.23
16.63
14.84
13.91
13.18
7.38
14.84
14.49
92
27.56
P/E ratio (avg)x
23.42
21.76
19.96
17.69
16.18
13.91
11.83
11.49
10.50
11.03
22.21
11.49
15.04
93
25.08
P/TBVx
16.09
17.71
20.26
20.98
19.82
21.83
23.59
24.57
24.68
24.88
11.05
24.57
21.40
60
18.91
P/Bx
32.21
34.38
36.50
40.62
47.44
46.61
55.43
65.52
78.00
76.76
16.18
65.52
47.02
86
4,715
NIIRp B
2,407
2,496
2,676
2,849
2,966
3,050
3,175
3,341
3,457
3,732
4,679
4.70%
4.67%
—
13.88
NII grth%
23.38
24.71
26.30
28.46
30.23
29.38
29.49
31.48
32.62
32.04
10.08
31.48
29.43
25
5.32
ROTE%
15.04
12.82
10.58
12.14
9.90
8.67
10.42
7.46
8.71
6.65
25.03
8.67
10.16
13
14.42
Return on equity%
26.31
26.09
28.09
25.31
22.41
20.10
17.72
19.78
18.71
15.88
9.20
18.71
21.25
75
27.80
Return on assets%
24.86
25.37
27.58
25.49
26.14
25.39
23.14
25.76
25.67
23.88
10.56
25.39
25.44
93
443.94
EPSRp
175.94
198.19
196.91
185.42
211.15
240.60
248.65
238.91
241.67
275.38
485.30
5.46%
5.63%
—
16.00
EPS growth%
34.34
32.25
30.93
28.34
31.11
31.67
32.21
33.23
34.20
36.01
24.96
33.23
32.23
56
514.23
Bookvalue per shRp
571.09
631.73
663.86
735.69
772.52
700.91
691.71
631.94
647.55
701.17
382.15
(1.92%)
1.67%
—
519.49
TBV/shRp
461.98
458.02
498.14
475.25
533.96
589.89
596.81
565.08
530.29
520.84
210.78
(0.50%)
1.96%
—
609.07
Dividend per shRp
241.51
228.66
243.89
253.70
267.15
249.16
221.04
195.32
185.76
172.72
714.30
(8.35%)
(4.36%)
—
2.16
Div yield (avg)%
0.40
2.60
2.55
1.74
0.89
0.40
0.40
0.47
0.40
2.56
10.50
0.40
0.68
92
16.73
Payout ratio%
20.47
21.40
21.60
22.51
24.48
26.03
24.32
25.21
24.14
25.08
26.47
25.08
24.23
17
3.621
Shares (diluted)B
7.128
8.251
8.690
8.764
8.755
8.497
8.315
8.931
10.62
12.15
3.696
6.78%
7.46%
11
22.63
Buyback yield%
14.33
15.49
18.36
17.80
15.44
12.56
12.81
12.46
13.88
16.11
19.14
12.81
14.88
9
25.93
Eq/Assets%
33.86
35.69
33.34
30.22
29.26
26.94
29.35
30.35
31.36
33.34
166.30
30.35
30.86
88
308.5
AssetsRp B
15,753
16,638
18,726
20,089
21,130
22,379
24,865
27,977
28,896
32,694
4,803
9.12%
8.15%
75
3,546
LT debtRp B
1,362
1,448
1,287
1,161
1,146
1,090
1,105
1,194
1,255
1,156
2,983
0.18%
(1.88%)
47
Non-interest expense
4.44%
1.00×
Net interest income
66.22%
Non-interest income
33.78%