219.7
RevenueRp B
1,849
2,009
2,210
2,358
2,564
2,738
2,994
3,185
3,443
3,779
239.8
8.07%
8.05%
52
12.24
Revenue growth%
17.36
17.61
17.28
16.15
13.56
11.41
11.86
9.27
9.51
7.72
18.91
9.51
12.71
49
26.73
NIM%
16.65
14.19
15.81
14.11
12.32
14.07
14.09
15.63
16.22
14.76
22.39
14.76
14.47
85
12.53
Effic. R.%
0.40
2.00
0.40
2.84
5.40
6.68
4.05
3.08
0.56
2.40
19.71
3.08
2.62
11
28.72
Net margin%
15.67
15.00
17.62
17.55
15.63
18.54
16.24
16.42
19.36
18.19
23.35
18.19
16.98
33
35.72
P/E ratio (avg)x
19.17
19.86
19.52
19.12
20.64
21.44
22.60
21.43
22.85
22.61
20.98
22.60
21.04
39
17.67
P/TBVx
21.73
22.74
25.19
25.55
27.47
28.29
30.78
28.60
30.06
28.10
36.03
28.60
27.78
25
37.87
P/Bx
17.23
16.25
17.55
18.87
18.07
17.80
17.84
18.86
21.94
24.66
14.96
18.86
17.96
76
2,237
NIIRp B
1,486
1,597
1,760
1,881
2,030
2,201
2,389
2,542
2,758
3,013
3,277
8.22%
7.96%
—
15.76
NII grth%
14.86
16.42
13.93
13.77
15.19
16.72
18.22
19.03
20.25
22.50
26.29
19.03
16.57
62
27.56
ROTE%
15.91
17.67
14.77
17.44
16.35
14.67
13.03
12.30
13.85
16.67
18.42
13.85
15.34
62
21.29
Return on equity%
25.97
24.01
21.36
21.28
23.94
22.44
21.02
21.55
20.28
21.09
17.28
21.09
21.45
28
4.83
Return on assets%
18.76
16.21
16.06
14.78
15.76
15.28
14.49
15.91
15.84
17.27
28.36
15.84
15.88
39
73.92
EPSRp
30.16
32.45
35.47
33.92
32.85
35.99
38.57
40.91
38.46
41.85
76.57
4.96%
3.32%
—
18.29
EPS growth%
17.83
18.08
17.09
16.83
15.32
15.00
14.30
15.99
15.62
16.59
7.47
15.62
16.29
12
41.01
Bookvalue per shRp
172.73
178.03
199.42
210.75
235.19
263.29
278.55
289.63
319.86
364.43
63.27
9.15%
7.80%
—
40.10
TBV/shRp
88.12
97.50
95.93
105.44
108.60
120.17
141.65
139.19
132.53
140.05
72.96
5.22%
4.12%
—
65.06
Dividend per shRp
51.48
49.33
46.80
45.82
50.82
47.64
53.51
49.41
52.69
54.00
27.37
1.22%
0.36%
—
22.34
Div yield (avg)%
1.82
0.40
0.40
2.88
4.51
4.10
5.78
7.26
6.84
9.45
29.74
6.84
4.31
58
22.89
Payout ratio%
18.65
18.77
18.15
16.79
18.44
20.31
18.59
17.02
19.27
19.92
4.35
19.27
18.62
89
24.68
Shares (diluted)B
26.84
24.52
25.82
25.81
24.85
22.89
24.00
24.98
25.19
23.20
23.68
(1.37%)
(1.32%)
92
14.30
Buyback yield%
4.89
4.49
3.81
1.50
0.40
0.40
0.40
0.40
2.98
1.04
22.29
0.40
1.27
27
133.18
Eq/Assets%
249.60
255.81
308.16
371.77
430.37
458.88
535.86
606.28
705.05
830.59
132.40
606.28
444.62
95
3,049
AssetsRp B
8,041
8,918
9,495
10,681
11,313
12,247
12,885
14,129
15,479
17,007
1,370
8.50%
8.22%
50
1,971
LT debtRp B
719.6
709.2
695.1
733.6
735.5
675.2
612.0
621.7
604.6
578.8
2,696
(4.68%)
(2.54%)
95
Non-interest expense
7.76%
0.97×
Net interest income
79.71%
Non-interest income
20.29%