634.0
RevenueRp B
888.8
958.2
1,028
1,133
1,252
1,349
1,467
1,597
1,760
1,910
686.7
8.81%
8.84%
88
21.54
Revenue growth%
19.63
17.12
17.64
16.68
16.25
15.70
14.78
14.99
15.34
12.77
22.39
14.99
15.97
51
14.18
NIM%
8.94
9.69
12.01
12.73
10.19
11.65
9.44
11.65
11.09
13.90
5.33
11.65
11.37
91
10.83
Effic. R.%
24.95
23.37
22.18
21.60
24.40
21.47
19.34
18.29
17.42
17.91
29.77
18.29
21.54
33
13.86
Net margin%
22.78
25.72
22.86
20.86
21.99
20.47
17.49
14.94
15.23
17.11
28.39
17.11
20.66
45
30.78
P/E ratio (avg)x
7.653
8.440
8.868
9.311
9.252
10.33
10.49
10.03
9.533
9.812
37.75
10.03
9.422
18
22.12
P/TBVx
13.88
14.21
15.13
15.18
16.44
17.56
18.48
21.81
25.35
27.62
28.30
21.81
17.00
22
34.67
P/Bx
19.49
19.63
21.62
23.85
25.15
23.92
22.08
20.40
23.10
21.34
19.41
22.08
21.85
22
1,309
NIIRp B
572.2
618.6
665.1
731.5
799.4
867.1
943.4
1,027
1,122
1,229
219.6
8.98%
8.73%
—
5.46
NII grth%
3.85
4.19
3.08
4.41
4.67
5.03
2.82
4.88
3.28
4.06
24.16
4.06
4.13
59
19.87
ROTE%
8.57
5.63
4.04
5.86
8.72
10.03
10.26
11.04
8.21
6.76
19.87
10.03
8.39
30
3.87
Return on equity%
24.73
22.53
19.61
19.00
18.69
20.52
20.98
22.20
22.64
24.05
5.38
22.20
21.59
76
11.36
Return on assets%
27.63
26.01
23.43
26.21
28.80
28.02
25.63
23.52
25.37
24.77
17.95
25.37
25.82
28
116.81
EPSRp
157.51
168.17
179.98
165.97
177.53
194.05
180.12
184.10
195.16
190.40
126.23
1.41%
1.73%
—
18.11
EPS growth%
25.43
25.93
24.84
24.84
25.54
25.92
23.62
22.98
25.86
26.74
5.36
25.86
25.48
13
190.97
Bookvalue per shRp
247.17
281.87
277.85
290.72
312.12
352.11
357.33
371.42
425.42
433.65
256.82
6.80%
7.50%
—
57.54
TBV/shRp
247.48
258.95
271.93
307.33
307.26
339.00
362.99
413.49
484.57
567.22
261.72
13.04%
9.00%
—
277.10
Dividend per shRp
97.04
94.14
104.04
104.32
97.23
104.68
97.92
108.52
108.35
121.43
212.79
4.54%
2.20%
—
28.30
Div yield (avg)%
7.72
9.42
7.66
10.49
9.39
12.07
13.19
13.63
15.58
18.16
25.55
13.63
11.28
58
20.68
Payout ratio%
5.42
7.18
9.17
7.30
5.72
3.55
5.18
2.57
0.40
0.40
14.52
2.57
5.30
44
1.378
Shares (diluted)B
1.807
1.915
1.982
2.145
2.054
2.282
2.348
2.515
2.546
2.722
1.408
5.79%
4.11%
9
13.26
Buyback yield%
18.62
16.60
17.90
19.28
19.29
21.61
19.91
18.17
20.54
22.30
14.63
20.54
19.28
34
74.45
Eq/Assets%
54.92
59.71
57.21
62.09
64.50
67.99
78.43
90.28
104.16
96.85
68.29
90.28
66.25
88
526.7
AssetsRp B
4,307
4,931
5,500
5,833
6,332
6,752
7,155
7,728
8,384
9,066
751.7
7.44%
8.84%
55
555.9
LT debtRp B
1,439
1,338
1,481
1,347
1,338
1,250
1,232
1,381
1,499
1,551
1,201
3.01%
1.21%
7
Non-interest expense
8.77%
0.99×
Net interest income
64.35%
Non-interest income
35.65%