4,394
RevenueRp B
5,869
6,409
6,838
7,330
8,005
8,790
9,339
10,091
10,876
12,012
4,786
8.46%
8.53%
57
28.46
Revenue growth%
3.41
6.15
6.90
8.01
7.07
4.48
5.93
6.80
8.36
7.09
11.11
6.80
6.85
81
18.67
NIM%
22.05
21.36
22.81
25.12
25.76
28.51
30.20
27.86
29.38
28.75
7.37
28.75
26.81
80
20.30
Effic. R.%
15.20
15.61
15.00
16.94
18.49
20.62
20.30
21.72
21.36
19.66
14.08
20.62
19.07
56
20.44
Net margin%
11.77
9.47
11.36
13.59
16.21
17.57
19.15
18.58
19.69
20.81
5.87
19.15
16.89
80
10.79
P/E ratio (avg)x
27.56
32.51
35.08
37.55
38.19
39.06
43.63
45.36
48.00
54.16
6.480
45.36
38.62
17
36.67
P/TBVx
14.71
15.26
14.30
14.66
13.34
12.62
13.30
11.89
11.40
10.35
18.87
11.89
13.32
24
24.06
P/Bx
26.93
27.79
27.74
24.09
21.17
18.78
19.25
16.93
17.05
14.59
15.72
17.05
20.21
62
4,574
NIIRp B
4,342
4,819
5,103
5,518
5,941
6,558
6,907
7,603
8,210
8,974
6,131
8.60%
8.69%
—
27.27
NII grth%
13.74
15.47
18.28
17.88
19.33
17.73
20.19
21.76
23.77
26.24
25.00
21.76
18.80
16
11.24
ROTE%
17.52
15.96
16.64
16.51
15.57
17.84
19.39
21.37
22.49
23.50
24.46
21.37
17.68
58
5.78
Return on equity%
32.84
32.34
30.81
33.31
31.42
28.63
29.63
30.70
32.97
33.13
21.80
30.70
31.88
39
3.10
Return on assets%
22.53
20.57
20.26
22.09
24.98
23.80
24.61
24.86
23.83
22.41
12.93
23.83
23.16
85
179.11
EPSRp
160.20
159.48
184.15
204.38
227.38
222.72
215.97
250.05
294.51
337.28
190.98
8.21%
8.11%
—
5.46
EPS growth%
8.06
7.63
9.74
12.12
10.08
7.40
8.62
10.06
9.57
11.22
19.52
9.57
9.65
58
81.71
Bookvalue per shRp
177.43
163.79
146.52
139.60
152.11
166.70
165.20
145.91
144.73
130.45
231.29
(3.02%)
(2.71%)
—
120.18
TBV/shRp
150.60
155.10
168.47
189.08
193.03
188.89
180.02
190.61
203.00
186.81
51.90
(0.65%)
3.29%
—
221.68
Dividend per shRp
193.94
172.91
171.27
162.31
175.14
167.05
175.59
180.00
182.18
161.86
239.51
(1.56%)
(2.51%)
—
17.72
Div yield (avg)%
32.95
34.38
31.74
30.25
30.56
27.84
24.92
25.16
23.75
20.83
20.54
24.92
29.04
8
5.49
Payout ratio%
0.85
3.80
2.71
3.24
1.80
3.19
2.46
5.12
6.61
8.57
24.19
5.12
3.22
69
23.17
Shares (diluted)B
26.16
24.19
24.58
25.56
25.53
28.94
26.76
25.59
28.88
29.61
23.73
3.01%
1.25%
11
10.68
Buyback yield%
10.22
10.69
13.69
14.56
13.77
12.45
10.81
10.91
11.64
9.56
14.06
10.91
11.28
93
10.04
Eq/Assets%
124.85
129.88
151.26
156.42
178.27
197.51
210.09
238.11
242.50
242.61
104.08
238.11
187.89
67
6,423
AssetsRp B
12,355
13,108
14,111
15,787
17,021
17,994
19,337
20,383
22,203
24,855
9,106
7.87%
8.21%
26
6,096
LT debtRp B
5,904
5,357
4,974
5,368
4,787
5,227
4,694
4,806
4,289
4,054
5,329
(3.27%)
(4.14%)
76
Non-interest expense
8.47%
0.99×
Net interest income
74.71%
Non-interest income
25.29%