159.9
RevenueRp B
612.9
643.8
668.4
691.7
717.9
749.4
794.6
847.4
907.5
971.2
172.5
6.23%
5.40%
38
26.74
Revenue growth%
16.53
14.18
12.49
13.02
14.58
15.09
13.84
14.70
13.77
14.16
8.07
14.16
14.17
77
27.34
NIM%
14.49
16.12
18.47
19.67
22.29
20.72
18.60
20.76
19.97
20.12
19.72
20.12
19.82
60
22.61
Effic. R.%
17.40
14.61
15.98
15.41
15.48
13.11
14.02
13.56
11.34
11.48
18.29
13.11
14.31
27
11.47
Net margin%
26.47
28.72
26.32
28.27
28.06
30.40
32.64
32.73
34.32
32.53
25.65
32.64
29.56
39
17.61
P/E ratio (avg)x
41.91
46.81
52.53
51.12
52.09
59.15
64.81
61.45
64.13
66.36
7.597
64.13
55.84
15
12.57
P/TBVx
27.42
28.63
25.03
22.16
23.78
24.74
26.14
27.26
26.54
22.90
25.85
26.14
25.58
42
36.90
P/Bx
34.13
31.66
33.84
30.51
33.60
37.40
35.31
33.07
31.25
33.51
18.99
33.51
33.56
44
797.9
NIIRp B
415.8
437.4
447.3
464.6
489.7
507.9
537.2
570.4
622.2
655.6
366.3
6.01%
5.37%
—
25.53
NII grth%
15.45
17.39
18.15
16.87
15.53
16.96
15.97
18.07
15.42
13.79
4.48
15.97
16.42
16
29.43
ROTE%
30.85
29.65
30.75
30.88
30.80
28.28
28.05
28.47
27.10
29.24
24.21
28.28
29.44
7
12.43
Return on equity%
11.20
10.66
9.61
10.37
13.18
15.23
17.50
19.47
17.42
19.46
14.18
17.50
14.21
52
19.14
Return on assets%
14.50
17.14
14.28
16.38
18.99
16.05
16.76
19.52
21.60
18.86
13.77
18.86
16.95
5
17.02
EPSRp
5.03
4.89
5.20
6.03
5.91
6.22
6.12
7.00
7.57
7.79
18.68
5.68%
5.05%
—
13.65
EPS growth%
0.40
1.13
0.94
3.34
4.33
3.40
1.39
3.73
6.27
7.47
9.66
3.73
3.37
80
12.52
Bookvalue per shRp
6.86
6.78
6.78
6.52
6.24
7.20
8.23
8.67
9.60
10.77
6.55
11.52%
5.75%
—
8.56
TBV/shRp
20.98
19.97
23.35
24.02
26.21
28.74
30.49
34.43
40.65
46.27
17.24
12.04%
9.53%
—
12.20
Dividend per shRp
10.38
9.97
10.13
10.88
11.29
11.12
12.26
13.21
12.29
12.44
8.10
1.96%
1.45%
—
19.72
Div yield (avg)%
31.29
29.17
29.24
29.79
29.20
31.12
32.54
31.03
28.52
30.62
25.45
31.03
30.21
6
2.31
Payout ratio%
17.50
14.65
17.37
15.28
13.04
11.41
11.66
12.10
11.08
13.00
29.11
11.66
13.02
82
32.67
Shares (diluted)B
30.66
30.06
32.36
34.56
35.62
32.78
35.10
35.49
33.08
33.47
31.34
(1.24%)
0.13%
24
23.03
Buyback yield%
20.20
20.71
22.03
24.91
24.15
23.71
21.36
20.71
20.00
22.75
15.08
21.36
21.70
89
138.73
Eq/Assets%
95.41
102.19
91.67
83.82
91.50
84.15
82.68
86.24
80.72
82.46
81.44
82.68
85.19
82
336.2
AssetsRp B
1,011
1,120
1,234
1,329
1,420
1,547
1,710
1,902
2,012
2,204
172.6
9.20%
9.31%
64
172.8
LT debtRp B
102.3
102.5
101.0
112.1
112.7
103.3
90.72
93.73
87.20
86.06
658.6
(5.25%)
(1.29%)
36
Non-interest expense
5.38%
1.00×
Net interest income
67.50%
Non-interest income
32.50%