1,496
RevenueRp B
4,773
4,767
4,729
4,805
4,833
4,866
4,936
5,091
5,024
5,027
1,618
0.79%
0.46%
75
10.46
Revenue growth%
9.93
11.21
12.01
13.83
13.59
11.46
9.01
8.95
9.81
8.71
28.27
9.01
10.57
31
27.46
NIM%
7.43
9.91
9.16
9.18
11.05
10.33
8.17
7.55
9.83
9.60
20.59
9.60
9.39
82
22.66
Effic. R.%
25.83
26.02
26.43
23.65
22.99
24.75
23.79
26.76
26.52
25.04
17.93
25.04
25.44
60
10.93
Net margin%
0.40
2.48
1.29
0.40
2.85
3.51
5.96
4.37
1.94
0.84
16.38
3.51
2.21
59
21.31
P/E ratio (avg)x
14.55
13.55
12.97
12.95
11.60
12.94
12.31
12.50
11.62
10.65
22.90
12.31
12.72
58
24.71
P/TBVx
24.68
26.65
24.83
26.25
26.27
28.56
31.19
34.01
36.65
41.74
33.67
34.01
27.60
72
30.45
P/Bx
36.57
31.98
29.99
26.07
24.21
23.92
23.98
25.33
24.06
22.94
19.82
23.98
24.77
53
3,137
NIIRp B
3,469
3,409
3,450
3,511
3,501
3,463
3,603
3,699
3,615
3,618
2,593
0.66%
0.35%
—
8.18
NII grth%
16.73
16.86
17.26
17.03
16.42
16.60
13.84
12.16
9.69
10.13
17.53
12.16
16.51
92
18.80
ROTE%
13.90
16.24
14.68
12.15
13.45
13.04
11.03
8.08
5.45
5.66
4.21
8.08
12.60
78
28.56
Return on equity%
10.73
10.56
12.35
10.16
7.70
5.05
7.42
9.00
9.52
8.96
27.56
8.96
9.26
66
28.31
Return on assets%
9.12
9.59
10.49
11.85
13.23
13.88
13.20
13.12
11.46
9.85
21.09
13.12
11.66
52
31.83
EPSRp
38.92
37.64
40.16
40.89
38.98
40.79
44.81
39.53
36.73
35.22
32.78
(2.01%)
(1.63%)
—
28.79
EPS growth%
26.05
23.53
23.02
24.20
22.47
20.51
19.03
20.00
19.39
18.26
3.18
19.39
21.49
74
50.15
Bookvalue per shRp
83.98
90.34
92.92
92.12
93.16
95.57
103.48
96.87
97.48
96.43
15.69
0.69%
2.33%
—
40.41
TBV/shRp
56.30
59.86
64.63
69.67
73.99
82.16
81.84
80.73
88.34
87.23
38.75
3.35%
5.11%
—
56.08
Dividend per shRp
59.00
65.00
66.37
66.36
66.27
71.84
75.74
73.00
81.44
87.88
30.77
5.81%
3.97%
—
16.77
Div yield (avg)%
11.22
13.00
12.80
14.38
14.88
12.05
13.56
15.57
16.21
14.68
29.78
14.68
13.97
72
3.03
Payout ratio%
8.27
6.63
5.61
2.91
1.18
0.40
1.41
0.40
2.99
2.35
28.70
1.41
2.63
9
33.78
Shares (diluted)B
68.73
69.46
75.91
80.71
85.76
101.7
121.1
138.1
162.3
163.9
33.97
13.83%
10.28%
67
26.14
Buyback yield%
18.63
20.27
21.72
21.01
20.22
21.60
22.52
25.06
27.82
30.44
7.50
25.06
21.66
46
148.77
Eq/Assets%
79.55
78.94
83.49
74.16
64.77
58.66
55.05
55.63
56.11
53.98
115.99
55.63
61.72
77
3,571
AssetsRp B
8,349
8,772
9,256
10,090
10,641
11,438
12,194
13,472
14,220
15,352
451.8
7.61%
7.43%
52
3,845
LT debtRp B
4,962
5,400
5,599
5,381
6,308
7,069
8,427
9,051
9,845
11,322
1,370
12.41%
9.74%
68
Non-interest expense
0.59%
1.01×
Net interest income
71.97%
Non-interest income
28.03%
Spread over hurdle
28.81%