157.4
RevenueRp B
270.9
282.1
300.1
315.0
333.5
343.6
354.0
370.9
390.2
417.3
175.7
4.59%
4.71%
41
22.53
Revenue growth%
3.71
3.71
6.11
7.53
7.39
4.72
3.70
5.75
6.07
7.57
20.92
5.75
5.91
74
8.06
NIM%
16.10
15.59
13.69
12.46
12.96
15.58
18.06
15.36
17.92
15.17
21.09
15.58
15.47
91
19.40
Effic. R.%
10.86
8.89
11.12
9.73
12.59
13.06
10.55
8.70
5.76
6.69
23.86
8.70
10.14
73
16.26
Net margin%
9.50
10.80
8.67
11.21
12.92
10.55
9.05
8.86
8.37
10.41
7.39
9.05
9.95
13
20.23
P/E ratio (avg)x
28.47
28.06
29.81
29.17
31.69
34.69
36.16
35.24
37.78
39.32
6.355
36.16
33.19
67
21.76
P/TBVx
12.78
13.62
13.94
12.37
11.87
11.37
10.17
10.20
9.955
8.895
24.23
10.17
11.62
83
25.50
P/Bx
19.28
19.39
19.08
19.15
16.66
17.48
18.58
18.04
16.86
17.36
29.27
17.48
18.31
38
217.7
NIIRp B
166.9
174.3
185.8
191.4
202.4
212.0
215.9
230.1
242.6
259.3
266.2
5.09%
4.84%
—
29.68
NII grth%
24.14
23.59
21.91
23.95
22.89
20.07
21.76
22.03
22.95
22.76
8.51
22.03
22.82
55
24.79
ROTE%
0.63
2.57
0.40
0.40
0.40
2.99
1.50
1.59
3.56
4.94
14.89
2.99
1.54
48
27.91
Return on equity%
1.62
4.41
6.41
7.92
10.18
10.88
9.47
11.91
14.08
13.69
17.21
11.91
9.83
13
16.44
Return on assets%
12.98
10.40
9.53
8.93
7.55
6.02
3.25
1.67
0.60
0.74
23.07
1.67
6.79
64
25.76
EPSRp
16.60
19.15
19.91
22.88
23.44
27.25
28.69
34.09
34.92
35.37
26.88
8.58%
9.52%
—
13.14
EPS growth%
3.28
3.11
0.74
1.10
0.40
0.87
3.47
2.50
3.19
2.97
9.11
2.97
2.74
23
7.88
Bookvalue per shRp
11.05
10.77
11.33
10.58
10.60
10.89
12.10
12.44
13.78
12.55
13.21
3.44%
0.42%
—
13.97
TBV/shRp
21.86
25.52
27.27
30.86
34.88
38.06
43.31
45.38
50.22
51.73
14.67
8.20%
9.07%
—
8.70
Dividend per shRp
39.19
43.16
43.02
48.22
52.14
60.09
66.58
74.51
85.70
88.98
11.93
11.28%
9.26%
—
3.28
Div yield (avg)%
1.34
2.73
3.46
3.48
5.95
4.18
7.14
6.63
5.96
8.07
9.02
6.63
5.06
22
24.03
Payout ratio%
4.44
2.46
2.21
1.58
0.40
0.52
0.40
0.40
2.63
0.40
8.80
0.40
1.05
37
15.05
Shares (diluted)B
20.35
21.57
25.32
27.21
27.64
27.36
30.99
36.19
38.64
41.82
14.54
8.63%
7.60%
61
3.80
Buyback yield%
6.71
5.71
8.00
7.82
10.62
8.39
7.82
8.52
7.59
9.28
5.05
8.39
7.91
75
108.49
Eq/Assets%
82.00
78.54
81.04
82.95
84.78
92.27
95.53
112.77
128.97
147.34
72.41
112.77
88.53
6
147.8
AssetsRp B
690.6
781.8
830.7
917.2
990.9
1,108
1,166
1,247
1,365
1,451
185.5
7.93%
8.39%
29
306.7
LT debtRp B
521.2
618.6
673.3
740.7
834.9
818.6
831.5
978.5
969.6
940.3
358.0
2.41%
6.51%
71
Non-interest expense
4.70%
1.00×
Net interest income
62.15%
Non-interest income
37.85%