349.1
RevenueRp B
207.4
225.2
246.4
269.1
291.5
319.5
338.6
365.2
402.1
432.6
388.6
8.22%
8.38%
20
29.56
Revenue growth%
12.60
14.01
12.15
9.28
8.08
6.35
6.12
6.23
3.33
4.57
26.37
6.12
7.22
82
24.08
NIM%
10.02
11.82
14.23
12.10
11.25
10.40
11.03
13.86
13.33
11.83
5.45
11.83
11.83
84
18.99
Effic. R.%
8.10
7.35
5.13
3.05
5.32
2.97
4.05
2.00
1.64
0.40
21.72
2.00
3.55
55
20.57
Net margin%
16.46
13.92
14.81
15.00
17.39
16.15
15.13
13.81
15.83
12.99
4.57
15.13
15.06
30
30.07
P/E ratio (avg)x
27.54
25.22
26.07
28.81
29.83
27.10
29.94
30.31
27.30
27.61
25.02
27.61
27.58
89
36.22
P/TBVx
40.71
40.79
40.65
43.20
45.58
52.66
58.50
57.52
60.19
65.74
11.96
58.50
49.12
89
36.79
P/Bx
21.48
21.98
24.28
22.23
21.25
22.29
24.34
24.50
23.91
23.87
19.41
23.91
23.08
82
375.6
NIIRp B
143.8
156.4
168.9
186.4
201.0
218.0
234.7
248.6
272.9
299.7
40.08
8.32%
8.58%
—
29.90
NII grth%
3.24
0.78
0.42
0.40
0.40
0.40
0.40
1.90
3.13
5.04
18.75
1.90
0.60
27
22.94
ROTE%
27.97
26.46
23.92
22.27
22.37
23.64
26.35
29.18
27.91
27.97
27.06
27.91
26.41
34
23.09
Return on equity%
21.41
23.81
24.08
23.37
24.43
26.35
23.65
25.61
23.02
22.84
4.28
23.65
23.73
85
6.84
Return on assets%
14.76
16.83
19.68
22.56
22.58
22.66
20.24
20.85
21.50
23.95
27.10
21.50
21.18
90
5.51
EPSRp
4.59
5.18
5.68
5.43
5.67
5.18
4.93
5.04
4.53
4.81
5.93
(3.24%)
(0.31%)
—
9.20
EPS growth%
30.65
32.66
30.47
27.78
27.39
28.39
30.53
31.17
33.82
36.05
12.14
31.17
30.59
10
1.88
Bookvalue per shRp
10.67
10.05
11.19
11.20
11.63
12.40
12.77
14.11
14.38
13.83
2.83
3.52%
4.07%
—
4.39
TBV/shRp
6.21
6.09
6.66
5.76
5.11
5.44
5.68
5.05
4.73
4.44
7.41
(2.78%)
(4.40%)
—
1.50
Dividend per shRp
2.68
2.54
2.58
2.63
2.57
2.85
2.80
2.68
2.93
3.37
8.36
5.62%
3.95%
—
15.83
Div yield (avg)%
26.28
27.00
29.49
29.16
28.21
28.12
28.75
30.76
29.18
28.36
2.27
28.75
28.56
41
14.31
Payout ratio%
7.20
4.55
2.77
1.03
2.02
0.41
1.28
3.05
3.80
4.81
9.38
3.05
2.91
11
18.06
Shares (diluted)B
23.55
26.09
27.91
31.35
30.67
29.74
33.48
33.85
39.05
40.35
18.90
5.63%
6.23%
14
12.85
Buyback yield%
35.39
35.87
34.35
35.14
35.93
34.11
34.16
32.47
30.63
32.38
29.60
32.47
34.25
8
24.38
Eq/Assets%
220.17
255.30
280.79
278.14
274.72
321.92
366.59
418.10
479.75
552.33
81.03
418.10
301.35
15
416.6
AssetsRp B
241.7
262.7
283.6
316.2
340.6
383.0
408.9
454.0
487.3
549.9
355.9
10.06%
9.35%
8
82.63
LT debtRp B
369.5
400.2
434.1
460.9
531.3
560.6
667.6
743.2
815.4
848.1
526.8
9.80%
9.31%
54
Non-interest expense
8.49%
1.01×
Net interest income
69.27%
Non-interest income
30.73%