50.23
RevenueRp B
331.9
352.9
372.2
399.4
424.6
455.5
488.0
515.0
543.6
593.0
52.03
6.91%
6.82%
38
25.87
Revenue growth%
11.13
13.08
14.75
17.64
15.95
15.55
15.39
18.06
17.80
18.53
26.61
17.80
15.75
62
13.88
NIM%
7.27
6.33
4.60
5.45
3.77
1.55
1.94
0.40
0.87
0.40
13.06
0.87
2.86
39
4.76
Effic. R.%
19.74
20.93
21.64
19.46
16.89
18.77
21.64
23.42
25.18
25.86
15.04
23.42
21.28
50
12.85
Net margin%
3.37
4.35
4.78
2.29
1.70
4.00
2.99
3.10
1.09
0.83
8.95
2.99
3.04
33
24.54
P/E ratio (avg)x
17.62
18.09
19.63
20.47
20.11
21.72
23.57
25.17
26.11
30.78
16.30
25.17
21.09
22
35.80
P/TBVx
46.54
51.10
54.06
58.97
64.22
64.50
71.07
70.33
69.26
78.26
27.83
70.33
64.36
14
37.30
P/Bx
59.76
62.04
66.07
71.51
81.92
77.94
86.95
90.93
106.6
103.4
37.91
90.93
79.93
18
92.68
NIIRp B
242.3
259.5
273.0
293.1
310.1
329.9
352.3
372.2
398.4
429.4
145.1
6.73%
6.76%
—
12.36
NII grth%
32.82
30.85
31.33
34.29
31.73
31.09
29.21
26.88
27.95
26.99
6.24
27.95
30.97
62
12.94
ROTE%
31.33
31.13
31.91
29.24
30.58
28.81
31.07
31.56
32.39
31.27
13.02
31.27
31.20
81
11.30
Return on equity%
0.40
1.17
0.40
0.40
0.40
1.46
2.51
2.47
1.43
2.92
4.67
2.47
1.30
64
11.75
Return on assets%
23.95
25.78
23.12
20.38
18.22
16.89
14.84
16.67
15.51
15.95
20.81
15.95
17.55
93
5.42
EPSRp
3.22
3.69
4.30
4.39
4.51
5.16
5.37
5.44
5.89
6.77
5.96
8.44%
8.35%
—
4.44
EPS growth%
23.49
24.25
25.09
25.52
22.89
20.66
22.67
24.78
22.07
23.85
4.38
22.67
23.67
40
6.44
Bookvalue per shRp
9.13
8.89
9.78
9.28
9.08
9.88
10.52
11.37
11.73
11.31
6.71
4.49%
2.55%
—
5.38
TBV/shRp
4.07
3.98
4.23
4.73
5.50
5.66
5.89
6.51
7.45
8.68
1.26
9.57%
8.51%
—
4.43
Dividend per shRp
5.86
6.63
7.75
8.66
9.04
9.42
9.97
11.04
11.64
12.99
4.31
7.51%
9.83%
—
26.94
Div yield (avg)%
25.10
26.73
27.55
28.02
29.40
27.07
26.12
27.21
25.79
22.88
25.13
26.12
26.90
80
5.21
Payout ratio%
11.36
13.80
12.12
13.15
14.26
14.90
15.77
16.61
17.20
18.44
10.29
16.61
14.58
22
39.97
Shares (diluted)B
58.62
57.47
55.42
59.47
57.75
65.38
72.70
84.26
93.32
103.3
37.96
12.33%
6.47%
30
24.30
Buyback yield%
7.41
9.58
7.27
4.65
6.72
5.12
4.36
6.64
7.00
9.88
15.85
6.64
6.86
48
104.14
Eq/Assets%
155.83
178.79
192.63
214.57
218.18
245.68
285.80
342.57
336.91
358.09
115.67
336.91
231.93
17
158.2
AssetsRp B
1,933
2,066
2,201
2,381
2,576
2,815
3,167
3,311
3,549
3,906
436.8
8.68%
8.24%
64
197.9
LT debtRp B
184.6
197.2
194.5
212.1
220.7
198.4
198.8
193.7
195.5
184.3
90.39
(3.54%)
(0.17%)
12
Non-interest expense
6.70%
0.99×
Net interest income
72.42%
Non-interest income
27.58%