173.7
RevenueRp B
350.0
379.4
411.5
446.0
469.5
503.6
529.6
556.0
579.9
601.9
189.9
5.09%
6.22%
47
3.91
Revenue growth%
32.02
33.03
30.13
28.88
28.56
27.09
27.09
29.47
28.99
28.89
17.69
28.89
28.94
64
23.50
NIM%
29.17
30.28
29.43
32.25
29.93
32.00
34.51
33.67
36.24
33.29
17.57
33.67
32.13
84
26.58
Effic. R.%
8.36
5.93
4.26
6.11
5.21
3.47
1.30
1.90
1.83
1.20
24.32
1.83
3.87
49
27.32
Net margin%
14.42
14.87
16.85
14.64
15.16
16.15
13.22
12.06
9.21
10.83
4.97
12.06
14.53
52
16.28
P/E ratio (avg)x
36.64
38.08
38.28
42.55
45.08
46.97
51.76
55.91
64.33
62.80
15.93
55.91
46.02
72
32.76
P/TBVx
8.128
8.769
8.471
8.301
9.270
10.03
10.40
11.94
13.17
12.78
6.022
11.94
9.649
10
12.55
P/Bx
27.97
26.97
25.15
27.88
28.67
32.25
30.58
33.74
33.60
35.73
30.03
33.60
29.63
69
284.6
NIIRp B
250.1
268.6
291.8
321.8
334.7
354.7
375.3
393.6
419.0
431.6
531.3
5.22%
6.40%
—
12.84
NII grth%
19.58
20.55
23.51
22.39
25.32
25.54
23.18
20.65
18.43
17.74
21.21
20.65
21.52
79
11.08
ROTE%
18.76
18.55
21.13
22.49
23.93
26.42
27.33
29.87
27.92
30.49
3.91
27.92
25.17
40
22.47
Return on equity%
25.89
24.97
25.47
26.06
26.54
28.20
28.61
26.92
24.26
25.08
25.56
26.92
25.98
91
27.27
Return on assets%
15.46
17.40
17.51
18.23
19.76
19.61
21.42
20.88
18.76
18.91
5.72
19.61
18.83
42
11.67
EPSRp
47.82
53.40
52.03
52.40
51.46
49.38
52.18
59.43
66.09
71.08
12.17
6.67%
4.78%
—
17.62
EPS growth%
21.38
19.66
18.68
16.17
16.27
16.14
14.50
15.73
14.27
14.36
17.82
14.50
16.15
57
22.16
Bookvalue per shRp
14.26
13.17
13.83
13.47
14.49
13.12
13.85
12.65
12.05
13.16
28.06
(1.91%)
(0.35%)
—
43.53
TBV/shRp
66.97
78.24
76.97
90.60
97.18
99.47
96.30
98.73
101.36
105.34
20.83
1.63%
6.45%
—
27.80
Dividend per shRp
10.65
9.39
8.27
7.82
7.86
7.96
7.34
7.57
7.18
7.27
46.21
(1.53%)
(4.88%)
—
19.68
Div yield (avg)%
4.89
2.04
4.60
4.61
2.34
4.52
5.58
7.90
6.94
6.65
4.20
6.65
4.75
24
8.24
Payout ratio%
20.16
18.13
20.37
18.89
19.33
19.95
21.01
19.15
17.69
16.56
27.33
19.15
19.24
17
7.293
Shares (diluted)B
9.680
10.19
11.50
11.47
13.15
15.00
14.01
13.66
13.66
15.12
7.644
2.84%
4.87%
44
18.16
Buyback yield%
22.83
20.91
22.08
20.50
22.00
24.15
25.57
26.24
25.10
23.46
25.49
25.10
23.15
37
73.97
Eq/Assets%
96.71
91.28
90.54
83.98
90.44
85.05
74.40
77.38
71.34
71.19
44.78
74.40
84.52
49
473.6
AssetsRp B
266.3
299.8
323.9
344.2
367.7
414.0
455.2
482.7
516.3
563.2
464.4
8.90%
8.53%
15
414.5
LT debtRp B
363.4
369.0
363.2
355.0
341.4
368.1
378.1
350.7
361.7
414.2
360.2
3.94%
1.26%
84
Non-interest expense
6.16%
0.99×
Net interest income
71.71%
Non-interest income
28.29%
Return on capital
133.45%