121.4
RevenueR B
64.03
67.82
74.11
79.35
87.00
94.02
102.9
112.0
119.4
128.4
131.4
8.09%
8.24%
15
7.97
Revenue growth%
21.64
21.89
19.25
20.59
21.48
22.07
24.28
23.38
24.00
22.56
14.13
23.38
21.98
23
15.22
NIM%
9.59
10.82
10.13
11.23
14.18
13.70
14.14
16.73
16.28
14.26
8.54
14.26
13.92
60
26.54
Effic. R.%
14.65
17.62
15.46
14.66
12.91
11.02
13.90
11.54
12.90
13.82
12.06
12.90
13.86
76
16.22
Net margin%
26.15
23.22
22.23
19.23
19.28
17.64
19.81
22.22
22.99
22.95
19.84
22.22
22.22
47
30.37
P/E ratio (avg)x
16.99
14.62
14.22
14.87
13.40
12.63
13.73
13.76
13.05
13.96
19.19
13.73
13.86
35
21.77
P/TBVx
19.78
19.07
20.40
21.94
22.38
22.29
24.68
23.80
25.50
25.85
14.73
24.68
22.34
52
9.779
P/Bx
7.960
8.776
9.614
9.438
8.637
8.898
9.589
8.465
8.346
7.418
7.175
8.465
8.706
6
49.54
NIIR B
50.62
53.34
58.34
62.23
68.52
74.16
80.89
87.55
94.86
101.2
7.422
8.12%
8.27%
—
21.19
NII grth%
30.78
29.41
30.94
32.34
30.70
32.72
33.63
32.13
33.93
31.25
18.65
32.72
31.69
72
7.50
ROTE%
28.08
30.01
29.32
30.05
29.45
30.39
33.10
32.34
32.27
29.81
27.36
32.27
30.03
12
29.99
Return on equity%
26.09
27.35
25.94
28.58
25.61
25.90
23.70
21.74
23.72
25.36
24.15
23.72
25.76
79
21.13
Return on assets%
34.33
31.71
30.96
29.74
27.56
28.78
29.14
28.18
28.63
27.46
3.28
28.63
28.96
40
435.19
EPSR
1,100
1,113
1,314
1,452
1,408
1,328
1,421
1,472
1,445
1,409
486.22
0.01%
2.82%
—
6.10
EPS growth%
19.91
20.47
21.99
24.22
21.54
24.44
23.30
25.70
26.39
23.67
26.37
24.44
23.49
50
498.18
Bookvalue per shR
571.62
641.62
702.81
718.35
711.24
722.06
779.66
772.35
861.33
826.49
363.81
3.05%
4.52%
—
248.61
TBV/shR
601.87
662.39
615.72
548.89
564.44
552.40
507.40
563.29
528.40
594.25
401.28
1.03%
0.47%
—
367.55
Dividend per shR
1,044
1,238
1,224
1,357
1,372
1,562
1,558
1,680
1,779
1,916
604.56
6.91%
7.79%
—
28.90
Div yield (avg)%
23.23
26.20
24.38
24.21
27.15
29.61
26.71
27.37
29.30
31.00
12.37
29.30
26.93
16
19.71
Payout ratio%
5.07
4.76
4.67
5.36
6.27
7.68
9.75
7.15
5.55
3.68
6.51
7.15
5.46
73
114.8
Shares (diluted)M
199.8
199.4
195.4
196.7
209.6
222.7
217.9
233.9
269.9
283.6
114.0
6.23%
4.53%
58
4.84
Buyback yield%
12.79
14.35
15.48
13.15
11.38
14.03
14.51
14.67
12.47
11.35
26.56
14.03
13.59
44
48.93
Eq/Assets%
180.80
195.21
212.93
255.12
257.19
267.26
266.19
300.07
358.14
370.02
177.40
300.07
261.69
8
116.5
AssetsR B
88.23
96.28
105.3
114.8
129.6
137.7
148.7
169.4
179.8
199.3
53.31
8.99%
9.64%
93
44.57
LT debtR B
25.79
26.64
26.17
28.34
30.67
32.92
35.64
36.70
38.91
35.52
25.39
2.98%
4.00%
73
Total assets
R 199.3B
9.64%
1.14×
Revenue
R 128.4B
8.24%
1.00×
Non-interest expense
R 58.57B
8.17%
0.99×
Net interest income
78.84%
Non-interest income
21.16%