34.61
RevenueR B
44.06
44.22
46.10
47.93
49.73
50.50
52.29
53.14
54.58
55.56
35.52
2.24%
2.31%
74
8.45
Revenue growth%
35.69
33.72
33.04
34.68
35.46
36.91
35.99
36.72
36.11
36.40
15.00
36.40
35.84
80
8.35
NIM%
12.04
10.93
9.41
12.41
14.94
13.93
14.31
12.83
11.20
13.85
2.07
13.85
12.62
9
20.06
Effic. R.%
0.40
0.40
0.40
0.40
3.17
4.66
6.82
9.78
11.25
10.49
20.23
9.78
3.92
82
15.38
Net margin%
12.06
10.78
8.35
5.93
7.61
9.03
9.63
12.01
12.75
12.03
24.69
12.01
10.20
17
36.88
P/E ratio (avg)x
31.37
31.67
32.37
32.44
35.67
35.41
34.45
37.94
35.09
34.64
6.029
35.09
34.54
84
9.372
P/TBVx
41.36
39.02
37.20
38.91
35.97
40.15
37.52
39.97
42.67
45.60
9.013
40.15
39.50
81
24.36
P/Bx
19.82
20.01
22.37
26.31
30.83
35.04
41.01
45.68
48.77
49.44
31.20
45.68
32.93
43
38.00
NIIR B
29.74
29.81
30.44
32.03
33.62
34.15
34.44
35.14
36.63
36.96
9.488
1.91%
2.16%
—
22.22
NII grth%
12.85
11.95
9.01
7.44
7.25
6.34
9.21
6.62
4.87
3.92
7.18
6.34
7.34
22
13.25
ROTE%
21.08
19.03
20.04
22.42
21.32
23.12
24.94
23.97
21.84
21.90
24.45
23.12
21.87
70
2.49
Return on equity%
18.40
18.40
17.53
18.20
19.27
21.99
21.96
22.35
23.81
21.88
21.22
21.99
20.57
27
3.14
Return on assets%
18.10
20.23
20.69
23.38
25.30
25.29
25.95
26.51
27.03
28.84
6.13
26.51
25.30
48
31.50
EPSR
12.34
13.06
11.55
12.08
12.47
12.10
12.67
13.00
13.66
11.97
34.93
(0.81%)
(0.30%)
—
27.32
EPS growth%
5.86
7.27
6.31
4.34
6.53
8.90
6.73
9.44
11.07
12.20
20.47
9.44
7.00
92
22.08
Bookvalue per shR
34.70
34.09
39.45
41.78
43.73
42.17
48.18
47.03
54.09
59.90
27.44
6.50%
7.13%
—
13.53
TBV/shR
23.75
23.25
25.75
29.15
31.77
36.14
40.07
45.99
53.19
55.31
35.87
11.73%
10.62%
—
17.48
Dividend per shR
31.69
34.87
35.14
40.53
46.45
48.01
48.83
47.94
45.57
45.45
14.22
(0.43%)
4.97%
—
26.70
Div yield (avg)%
13.34
15.09
14.69
16.80
13.97
12.50
13.05
14.60
14.17
14.21
3.49
14.17
14.19
79
10.53
Payout ratio%
25.05
22.17
24.11
26.01
25.75
23.27
24.02
21.66
19.99
19.52
18.29
21.66
23.65
11
0.846
Shares (diluted)B
1.418
1.446
1.674
1.805
1.969
2.357
2.608
2.923
3.187
3.588
0.833
12.75%
11.46%
44
27.37
Buyback yield%
1.72
0.40
1.36
1.84
3.54
3.04
0.99
3.72
2.28
0.40
20.96
2.28
1.78
90
12.58
Eq/Assets%
110.57
128.25
132.83
135.24
152.24
170.59
176.10
201.24
213.15
231.16
164.88
201.24
161.41
72
37.25
AssetsR B
111.5
116.8
131.9
141.2
153.1
160.4
170.4
181.9
193.7
213.7
34.74
6.90%
7.79%
85
38.98
LT debtR B
39.94
36.82
38.99
43.02
38.08
39.74
41.98
37.10
36.59
35.59
19.65
(1.34%)
(0.32%)
16
Total assets
R 213.7B
7.79%
1.68×
Revenue
R 55.56B
2.31%
1.00×
Non-interest expense
R 31.97B
2.44%
1.01×
Net interest income
66.52%
Non-interest income
33.48%