1,332
RevenueRp B
821.4
892.2
949.5
1,021
1,110
1,197
1,286
1,374
1,481
1,619
1,433
7.84%
7.78%
8
5.22
Revenue growth%
29.99
29.64
28.27
26.18
28.77
27.53
24.59
26.74
26.70
26.39
21.08
26.70
27.13
51
5.83
NIM%
6.82
9.17
10.56
9.95
11.08
8.19
6.17
3.18
5.09
5.24
25.96
5.24
7.50
40
18.18
Effic. R.%
14.26
11.45
14.29
14.46
13.81
13.26
12.12
9.23
6.32
3.62
12.02
9.23
12.69
23
18.43
Net margin%
15.40
13.02
13.14
15.50
13.51
14.05
13.57
14.04
15.48
15.98
25.37
14.05
14.05
74
32.24
P/E ratio (avg)x
12.33
12.83
12.98
11.88
10.31
10.09
11.04
11.80
10.69
10.82
14.73
10.82
11.42
60
29.26
P/TBVx
8.734
9.382
10.72
12.54
12.34
12.42
12.80
12.34
14.08
16.84
36.76
12.80
12.38
43
30.57
P/Bx
20.07
19.84
20.18
21.78
21.89
22.46
22.09
26.42
26.96
30.24
27.10
26.42
21.99
48
123.0
NIIRp B
480.7
534.1
567.0
604.9
665.6
700.9
749.1
821.4
865.7
959.3
1,302
7.58%
7.96%
—
8.56
NII grth%
26.69
28.50
30.00
27.16
26.83
26.94
28.06
29.41
26.90
29.03
10.84
28.06
27.61
31
17.70
ROTE%
26.91
25.10
23.62
22.77
24.99
26.23
24.60
25.95
25.73
25.06
18.84
25.73
25.08
16
3.82
Return on equity%
19.70
21.36
23.21
25.66
26.37
25.52
25.31
24.93
22.98
23.11
27.31
24.93
24.07
45
5.06
Return on assets%
26.08
28.98
26.29
27.65
27.94
30.64
30.21
30.27
33.16
31.38
17.65
30.64
29.60
25
55.33
EPSRp
109.67
112.50
128.16
122.65
125.72
132.25
157.06
176.14
201.96
210.97
56.56
10.91%
8.20%
—
20.24
EPS growth%
34.49
34.98
37.73
37.33
40.28
42.35
40.10
41.84
40.82
39.68
8.41
40.82
39.89
38
46.83
Bookvalue per shRp
63.47
56.27
62.68
69.22
66.34
59.15
56.02
61.46
65.21
72.24
95.75
1.72%
0.07%
—
57.82
TBV/shRp
58.58
62.73
65.95
69.76
62.98
60.90
66.15
72.08
69.03
67.80
31.69
1.49%
2.23%
—
140.61
Dividend per shRp
194.49
208.03
203.02
243.44
271.36
270.93
293.62
298.09
306.44
350.88
92.87
5.27%
6.66%
—
3.07
Div yield (avg)%
4.90
5.13
2.27
2.43
0.94
2.99
4.02
1.26
2.08
0.40
3.25
2.08
2.35
75
6.65
Payout ratio%
8.84
10.85
9.70
11.28
11.54
13.63
10.68
8.02
7.40
6.99
4.24
8.02
10.19
63
7.868
Shares (diluted)B
6.592
6.096
5.512
4.973
5.313
5.272
5.280
4.609
3.913
3.763
7.795
(6.67%)
(6.18%)
87
25.53
Buyback yield%
12.31
11.62
12.85
14.04
11.90
12.34
12.15
11.21
12.23
14.67
11.35
12.23
12.27
93
120.78
Eq/Assets%
137.15
138.38
138.62
148.31
137.77
146.35
147.17
134.95
136.64
136.18
74.62
136.64
138.08
80
1,325
AssetsRp B
2,457
2,713
2,905
3,339
3,511
3,794
4,166
4,342
4,767
5,150
1,152
7.96%
8.62%
19
675.6
LT debtRp B
1,821
1,744
1,861
1,821
1,820
1,885
1,966
2,025
2,068
2,407
352.2
5.75%
3.74%
33
Non-interest expense
7.86%
1.01×
Net interest income
59.26%
Non-interest income
40.74%