33.58
RevenueR B
184.3
185.3
184.7
184.6
187.6
192.9
198.4
199.3
205.9
206.1
36.23
1.90%
1.22%
94
21.40
Revenue growth%
17.65
15.68
15.01
17.25
15.06
17.13
15.07
12.82
10.17
11.36
27.53
12.82
15.07
36
13.68
NIM%
3.39
0.59
0.40
0.74
0.40
0.40
2.21
4.47
4.75
5.04
6.36
4.47
1.47
91
21.74
Effic. R.%
16.91
19.14
21.54
19.13
17.88
18.32
17.72
14.76
12.21
14.01
25.70
14.76
17.80
76
12.23
Net margin%
19.74
20.68
18.38
19.60
17.69
18.50
20.27
19.96
17.40
14.89
18.72
18.50
19.05
51
17.41
P/E ratio (avg)x
25.37
29.05
33.56
33.21
35.74
35.64
35.67
41.29
49.03
52.22
7.748
41.29
35.65
41
34.94
P/TBVx
11.57
9.796
9.813
9.026
8.284
7.338
7.037
7.484
7.713
7.330
14.69
7.338
7.999
16
11.52
P/Bx
8.247
9.763
10.04
10.43
12.25
11.89
11.92
13.83
14.74
16.63
7.629
13.83
11.91
23
188.0
NIIR B
110.3
111.7
109.3
110.4
113.0
115.6
117.7
119.4
124.6
124.1
76.13
1.90%
1.32%
—
3.76
NII grth%
20.63
19.99
17.80
14.90
14.44
16.18
17.51
15.55
16.01
14.26
17.98
16.01
16.10
41
22.75
ROTE%
24.17
25.78
25.79
25.22
23.06
23.83
26.59
25.34
26.84
28.76
25.54
26.59
25.56
59
26.66
Return on equity%
22.15
20.87
19.17
16.58
13.79
11.48
11.82
9.55
8.28
8.58
28.52
9.55
12.81
35
27.27
Return on assets%
20.31
20.68
17.83
17.44
15.13
14.40
13.00
10.16
11.53
8.70
25.74
11.53
14.76
14
10.33
EPSR
13.13
13.90
14.13
14.76
16.22
16.84
17.92
18.31
16.44
16.88
10.82
0.80%
3.34%
—
27.42
EPS growth%
31.07
31.44
29.73
32.19
34.16
36.69
33.86
31.22
28.67
30.30
9.72
31.22
31.33
34
21.60
Bookvalue per shR
19.17
17.09
18.84
20.06
17.67
17.64
17.57
16.77
17.24
16.43
13.77
(1.44%)
(2.20%)
—
20.32
TBV/shR
15.11
14.91
16.52
17.12
17.00
17.83
17.91
17.71
19.75
19.64
19.85
2.93%
3.67%
—
10.58
Dividend per shR
17.96
17.90
15.94
14.82
14.98
13.03
11.13
11.48
12.09
10.62
6.59
(6.65%)
(6.05%)
—
4.53
Div yield (avg)%
18.73
21.68
21.86
24.22
26.45
28.23
25.50
23.96
25.17
26.57
28.38
25.50
24.70
72
14.11
Payout ratio%
19.38
16.97
16.57
17.07
14.11
12.03
13.35
16.20
16.44
17.28
12.74
16.20
16.51
64
5.717
Shares (diluted)B
7.261
8.606
10.06
10.57
11.37
11.27
12.55
14.35
14.07
16.58
5.481
7.82%
8.31%
17
25.45
Buyback yield%
5.05
5.19
6.55
9.16
7.05
4.18
5.50
6.88
8.48
7.11
6.42
6.88
6.72
87
161.44
Eq/Assets%
77.43
90.52
105.85
116.76
121.05
139.54
143.26
156.21
177.05
212.31
159.76
156.21
130.30
15
65.13
AssetsR B
158.2
177.2
200.7
210.6
233.9
242.6
263.7
278.9
305.8
339.1
87.20
7.72%
8.90%
59
167.8
LT debtR B
68.68
62.92
59.47
63.33
59.00
64.84
67.19
71.14
62.94
63.81
209.2
1.58%
(1.34%)
79
Total assets
R 339.1B
8.90%
2.08×
Revenue
R 206.1B
1.22%
1.00×
Non-interest expense
R 98.91B
1.16%
0.99×
Net interest income
60.22%
Non-interest income
39.78%
Spread over hurdle
59.08%