3,470
RevenueRp B
3,346
3,471
3,527
3,707
3,833
3,937
4,124
4,366
4,523
4,732
3,690
4.31%
3.66%
50
14.59
Revenue growth%
2.57
0.99
0.44
1.31
3.30
3.02
5.23
5.94
5.79
3.87
13.86
5.23
3.16
50
21.93
NIM%
13.48
15.75
16.71
15.61
14.80
16.12
18.59
21.24
22.00
23.10
28.56
21.24
16.41
38
5.99
Effic. R.%
5.25
7.75
6.78
9.47
8.92
9.07
8.81
9.44
11.42
11.72
23.73
9.44
8.99
13
11.25
Net margin%
30.33
30.59
31.28
31.16
29.51
27.30
28.87
30.63
29.49
27.80
29.30
28.87
29.92
85
7.227
P/E ratio (avg)x
29.84
28.32
30.26
27.83
29.20
29.62
32.21
29.73
30.77
28.30
28.53
29.73
29.68
41
35.74
P/TBVx
14.60
13.92
14.91
15.46
15.99
18.12
18.39
19.44
18.75
19.00
10.69
18.75
17.05
23
24.01
P/Bx
33.52
36.10
40.32
48.26
56.19
65.72
65.21
71.51
75.68
80.52
15.83
71.51
60.70
28
5,004
NIIRp B
1,899
1,984
2,001
2,065
2,169
2,246
2,333
2,458
2,519
2,631
1,392
3.94%
3.44%
—
13.71
NII grth%
22.32
24.37
25.70
23.01
24.02
25.14
22.26
21.96
24.68
24.17
26.86
24.17
24.10
10
18.72
ROTE%
7.91
4.91
6.71
3.72
2.25
5.16
3.18
1.47
0.40
0.40
14.05
1.47
3.45
33
25.07
Return on equity%
9.29
11.96
13.65
16.35
18.09
16.83
17.74
15.82
13.63
16.41
16.12
16.41
16.09
92
23.71
Return on assets%
34.51
34.41
35.00
33.80
36.25
39.24
41.68
41.20
43.00
45.75
23.65
41.68
37.75
62
263.74
EPSRp
307.62
263.77
275.26
260.87
237.41
237.53
205.88
192.75
205.94
195.78
274.38
(3.78%)
(4.55%)
—
3.39
EPS growth%
11.87
9.20
8.89
6.73
7.03
9.55
11.45
11.87
10.78
12.56
29.13
11.45
10.16
14
374.46
Bookvalue per shRp
167.60
195.86
223.16
238.91
237.46
265.63
263.44
253.26
274.51
263.58
254.07
2.11%
4.29%
—
194.17
TBV/shRp
67.32
66.55
67.89
63.02
63.34
60.75
52.86
49.29
52.58
45.40
266.60
(6.44%)
(3.99%)
—
434.73
Dividend per shRp
546.97
526.40
501.74
502.45
472.76
465.44
530.60
539.18
538.08
541.94
289.49
2.77%
0.57%
—
16.48
Div yield (avg)%
8.70
7.30
7.95
5.08
6.68
4.37
6.97
6.00
5.80
7.54
19.34
6.00
6.82
62
5.20
Payout ratio%
24.33
25.37
26.22
24.68
27.19
24.95
25.17
22.29
23.32
22.19
9.95
23.32
24.82
86
10.63
Shares (diluted)B
11.07
11.51
12.50
13.32
14.17
13.94
12.07
11.55
10.46
11.39
10.40
(4.28%)
0.82%
47
21.26
Buyback yield%
2.10
2.03
4.44
7.22
5.82
8.02
6.86
6.48
6.25
3.97
9.68
6.48
6.04
39
49.96
Eq/Assets%
239.26
243.29
288.27
341.19
387.47
464.51
472.99
506.60
546.48
535.61
168.45
506.60
425.99
90
4,356
AssetsRp B
10,773
11,635
12,300
13,768
14,417
15,830
16,725
17,615
19,395
21,288
4,040
8.11%
8.13%
69
4,816
LT debtRp B
486.0
503.8
564.6
657.1
726.9
795.5
853.8
863.7
999.1
967.1
2,627
5.88%
8.73%
58
Non-interest expense
3.56%
0.99×
Net interest income
55.60%
Non-interest income
44.40%
Spread over hurdle
11.06%