3,555
RevenueRp B
3,023
3,001
2,951
3,019
3,046
3,094
3,125
3,182
3,179
3,206
3,724
1.03%
0.83%
50
3.09
Revenue growth%
21.75
20.68
18.91
16.42
16.85
19.03
19.63
21.57
21.42
19.81
16.15
19.81
19.72
44
2.94
NIM%
22.70
21.54
19.76
20.72
19.99
22.94
20.06
20.66
20.05
22.20
5.63
20.66
20.69
40
23.24
Effic. R.%
24.28
21.48
24.22
26.18
26.67
25.99
26.44
25.35
28.22
28.14
29.23
26.44
26.08
33
13.48
Net margin%
18.97
17.40
17.25
16.88
19.04
17.18
19.50
18.00
20.84
20.47
18.95
19.50
18.49
42
34.87
P/E ratio (avg)x
36.41
35.35
34.42
34.11
37.04
42.66
49.39
50.01
54.60
61.17
29.34
50.01
39.85
65
21.23
P/TBVx
34.60
36.92
39.18
39.00
44.99
47.13
45.75
46.04
43.22
43.99
20.24
45.75
43.61
62
33.61
P/Bx
16.83
16.69
17.41
16.61
16.15
13.89
14.89
15.40
13.59
14.27
9.809
14.27
15.78
66
2,021
NIIRp B
2,151
2,125
2,077
2,110
2,130
2,200
2,214
2,246
2,247
2,274
601.1
1.32%
0.74%
—
9.57
NII grth%
7.64
6.12
3.26
4.90
5.92
6.98
8.02
5.74
2.80
3.16
17.20
5.74
5.83
47
15.29
ROTE%
24.56
27.24
29.21
29.36
28.51
25.70
28.37
29.29
32.03
34.78
10.65
29.29
28.86
82
10.76
Return on equity%
13.01
15.55
15.94
13.18
14.93
17.91
18.27
16.00
18.50
21.40
7.40
18.27
15.97
17
29.25
Return on assets%
9.37
10.65
9.06
7.67
7.44
4.52
5.46
4.32
3.26
2.56
18.65
4.32
6.45
77
55.50
EPSRp
103.91
107.33
112.86
115.54
114.97
127.40
136.37
149.92
158.76
177.73
58.64
9.10%
6.67%
—
24.03
EPS growth%
7.88
8.46
8.13
5.70
4.29
3.69
5.67
7.06
7.83
5.53
14.43
5.67
6.38
38
71.65
Bookvalue per shRp
39.59
40.25
45.46
47.04
49.82
52.92
50.71
52.40
48.81
53.64
103.72
1.49%
4.09%
—
76.66
TBV/shRp
105.46
121.02
119.53
141.03
138.94
148.09
158.43
181.36
203.86
241.18
46.79
11.66%
8.94%
—
56.60
Dividend per shRp
64.08
62.74
69.93
76.72
79.62
78.12
73.08
80.37
88.12
97.90
99.52
4.22%
3.32%
—
11.46
Div yield (avg)%
26.53
25.69
23.22
22.05
20.44
19.41
21.03
19.62
21.50
20.95
16.53
20.95
21.27
69
22.92
Payout ratio%
2.72
1.87
0.40
0.40
0.40
1.64
1.89
3.22
1.55
1.24
17.20
1.64
1.59
33
23.25
Shares (diluted)B
34.68
33.47
35.47
33.13
31.67
35.78
35.69
38.89
44.67
41.74
22.86
5.68%
3.41%
29
28.44
Buyback yield%
0.40
0.53
0.40
0.40
0.40
1.17
3.36
6.14
9.07
7.87
7.12
6.14
0.85
19
127.51
Eq/Assets%
152.24
155.28
186.32
219.46
222.23
251.14
281.42
330.43
326.55
330.91
107.84
326.55
236.68
57
3,060
AssetsRp B
17,783
19,277
21,002
22,079
24,068
26,174
27,077
28,101
31,831
34,218
1,486
7.29%
7.75%
76
3,217
LT debtRp B
4,992
5,433
6,100
6,345
6,657
7,453
7,974
8,398
8,410
9,507
2,997
7.39%
8.31%
55
Non-interest expense
0.92%
1.01×
Net interest income
70.92%
Non-interest income
29.08%