111.0
RevenueRp B
526.2
550.0
561.0
577.7
594.8
606.1
628.7
646.8
686.2
726.0
113.4
4.07%
3.68%
28
29.84
Revenue growth%
8.55
11.06
8.61
5.96
7.48
6.77
4.29
1.32
1.88
1.11
5.68
1.88
6.37
92
23.93
NIM%
11.42
13.20
12.27
14.18
13.80
11.51
13.30
10.56
9.68
8.35
19.07
10.56
11.89
46
2.42
Effic. R.%
7.09
5.38
7.42
4.59
5.41
6.16
3.31
4.43
3.10
5.30
22.67
4.43
5.34
11
13.71
Net margin%
21.87
19.73
19.53
17.34
17.08
15.07
14.92
15.62
13.41
11.71
18.62
14.92
16.35
57
27.47
P/E ratio (avg)x
36.45
40.32
39.15
41.91
46.03
44.38
45.84
41.87
38.82
37.40
34.83
41.87
41.09
63
16.04
P/TBVx
10.98
10.51
10.48
10.52
9.573
9.182
8.564
8.958
8.163
8.640
9.035
8.640
9.377
75
14.22
P/Bx
30.56
26.24
26.01
27.32
24.24
23.80
23.10
22.98
23.49
23.47
11.25
23.47
24.02
74
843.5
NIIRp B
324.3
337.3
337.3
351.8
367.1
370.2
379.8
391.7
422.7
444.2
231.7
3.89%
3.60%
—
18.98
NII grth%
13.95
15.68
17.69
15.21
17.22
16.26
13.84
16.80
16.98
17.82
9.53
16.80
16.53
48
22.43
ROTE%
22.55
23.86
23.82
24.10
23.48
26.00
27.40
25.23
27.29
24.50
4.81
26.00
24.30
56
28.49
Return on equity%
21.01
19.66
17.27
18.94
19.25
17.79
20.58
20.77
18.51
21.48
17.55
20.58
19.46
63
24.38
Return on assets%
12.30
11.42
8.51
7.64
7.99
10.52
8.30
6.85
4.08
6.74
9.55
6.85
8.15
42
7.93
EPSRp
12.65
14.09
13.59
12.77
13.75
12.38
11.36
12.24
13.82
15.35
8.31
2.23%
1.94%
—
6.94
EPS growth%
11.13
11.31
11.87
9.65
9.91
12.84
10.43
9.63
11.51
10.19
27.35
10.43
10.78
33
10.85
Bookvalue per shRp
10.24
10.00
10.53
11.87
11.66
12.24
11.78
13.81
15.04
17.15
10.57
8.01%
5.78%
—
4.31
TBV/shRp
19.77
20.33
20.24
19.05
17.47
16.41
15.72
15.00
13.75
14.60
5.50
(3.53%)
(2.25%)
—
10.42
Dividend per shRp
15.82
15.99
14.40
15.22
13.36
14.16
13.44
12.91
11.96
11.98
5.18
(2.15%)
(2.44%)
—
16.06
Div yield (avg)%
13.54
15.55
17.50
20.47
23.22
26.05
25.75
26.06
24.71
22.50
10.57
25.75
22.86
44
20.29
Payout ratio%
12.13
11.42
9.01
6.82
6.61
8.40
9.38
9.58
10.52
11.65
29.35
9.58
9.48
50
26.39
Shares (diluted)B
21.90
23.39
23.06
22.95
20.87
19.77
20.78
18.39
18.22
15.67
26.07
(5.57%)
(2.49%)
7
27.99
Buyback yield%
10.69
10.66
12.05
13.54
11.27
10.56
13.07
12.35
9.68
6.96
23.29
10.56
10.98
18
162.36
Eq/Assets%
82.01
72.17
64.31
60.45
55.82
52.20
48.81
50.63
48.93
48.16
47.01
48.93
54.01
16
888.0
AssetsRp B
2,102
2,320
2,402
2,707
2,924
3,059
3,349
3,680
3,855
4,315
753.5
8.10%
8.31%
31
392.4
LT debtRp B
155.6
161.9
169.9
167.5
155.0
143.0
131.6
140.3
157.2
167.5
360.1
1.57%
1.62%
91
Non-interest expense
3.73%
1.01×
Net interest income
61.19%
Non-interest income
38.81%