133.8
RevenueRp B
550.9
558.1
578.6
595.3
619.1
628.5
636.0
647.0
680.3
703.1
140.4
2.58%
2.87%
21
23.45
Revenue growth%
10.05
12.71
10.96
9.15
9.82
8.59
10.48
12.70
9.88
11.50
26.59
10.48
10.27
76
9.48
NIM%
15.90
17.50
16.24
17.07
19.23
21.39
24.26
25.85
26.74
24.24
29.24
24.26
20.31
50
4.04
Effic. R.%
21.42
20.70
17.95
15.21
15.20
15.98
15.60
16.99
17.08
18.98
9.55
16.99
17.04
88
26.89
Net margin%
17.30
16.83
19.11
20.51
20.88
20.57
22.11
23.13
24.77
26.66
4.21
23.13
20.72
48
10.03
P/E ratio (avg)x
40.16
39.83
40.79
46.98
43.49
50.11
51.38
52.73
55.55
54.66
19.21
52.73
48.55
33
36.47
P/TBVx
17.31
20.52
20.70
21.09
20.36
20.47
23.53
24.09
28.71
31.02
11.72
24.09
20.89
42
21.51
P/Bx
29.62
29.54
28.49
27.15
25.95
27.22
25.84
24.65
26.26
26.56
8.349
26.26
26.86
47
722.7
NIIRp B
366.0
364.6
385.1
394.4
408.5
410.1
421.0
419.4
440.4
455.8
392.3
2.21%
2.87%
—
15.24
NII grth%
9.81
7.44
6.56
5.61
7.19
6.13
8.93
10.01
12.73
10.62
17.71
10.01
8.18
95
19.69
ROTE%
15.08
12.80
12.91
13.42
15.30
16.27
15.27
15.27
16.28
16.49
2.70
16.27
15.27
74
23.24
Return on equity%
20.87
19.89
21.35
18.95
18.91
15.93
17.01
15.11
12.81
12.21
13.47
15.11
17.96
74
25.65
Return on assets%
19.37
22.10
24.96
26.12
24.98
26.77
27.66
25.01
22.27
19.93
14.68
25.01
24.97
61
9.44
EPSRp
12.45
13.69
12.37
12.36
10.94
10.84
11.33
11.56
12.48
11.60
10.38
1.17%
(1.55%)
—
8.11
EPS growth%
9.21
7.66
8.09
5.78
5.52
6.43
5.53
5.75
5.99
3.91
7.50
5.75
5.88
54
8.48
Bookvalue per shRp
9.83
8.84
8.49
7.61
7.02
7.46
8.23
7.26
7.80
7.76
12.34
2.04%
(2.25%)
—
8.68
TBV/shRp
20.26
22.11
23.54
25.82
30.42
35.17
34.98
41.42
40.50
44.34
14.81
7.82%
7.73%
—
11.71
Dividend per shRp
9.02
7.83
8.30
7.32
7.56
6.74
7.20
7.11
6.39
6.40
5.40
(3.26%)
(4.71%)
—
6.63
Div yield (avg)%
11.74
11.16
11.38
13.95
11.90
14.16
12.70
13.99
14.49
11.87
29.43
13.99
12.30
20
7.85
Payout ratio%
11.99
12.85
15.31
13.11
15.82
16.42
17.80
14.95
16.23
14.03
13.14
16.23
15.13
26
20.59
Shares (diluted)B
17.72
17.02
18.21
20.47
21.06
21.94
23.03
23.14
23.85
26.04
20.40
4.34%
3.81%
73
15.98
Buyback yield%
25.50
23.78
23.44
21.06
18.61
19.93
17.42
14.43
16.48
14.88
5.65
16.48
19.27
88
61.82
Eq/Assets%
210.30
232.29
230.20
241.44
258.39
263.43
287.88
270.90
296.61
320.41
79.91
287.88
260.91
75
620.2
AssetsRp B
2,107
2,269
2,526
2,773
3,072
3,218
3,438
3,837
4,104
4,633
903.8
8.56%
8.78%
70
92.33
LT debtRp B
460.7
438.6
460.3
443.6
484.2
533.9
511.1
483.1
498.7
515.4
576.6
1.26%
0.89%
47
Non-interest expense
2.82%
1.00×
Net interest income
64.83%
Non-interest income
35.17%