13.40
RevenueR B
17.62
18.87
20.22
21.10
22.77
23.91
25.55
27.72
30.11
32.06
14.80
7.08%
6.61%
17
29.81
Revenue growth%
9.94
7.55
6.72
6.27
5.41
8.05
7.91
10.18
12.34
11.94
21.33
10.18
7.98
14
21.90
NIM%
5.54
5.29
5.75
5.29
6.56
4.45
5.47
6.36
5.17
5.29
26.96
5.29
5.38
94
12.22
Effic. R.%
7.63
7.89
6.33
7.66
7.57
9.81
12.38
13.94
16.00
16.66
17.77
13.94
8.85
62
26.72
Net margin%
20.88
18.84
17.30
18.39
15.87
15.80
16.00
16.87
16.56
15.21
5.57
16.00
16.72
59
22.48
P/E ratio (avg)x
12.40
13.33
14.06
15.67
16.70
15.83
16.95
19.02
19.27
22.64
37.53
19.02
16.27
65
20.45
P/TBVx
15.91
18.21
19.42
21.99
24.43
24.62
26.52
30.14
33.09
34.55
29.98
30.14
24.53
69
27.04
P/Bx
11.50
10.31
10.38
9.442
8.194
8.285
8.358
7.962
7.455
6.541
11.50
7.962
8.322
10
33.74
NIIR B
10.82
11.50
12.57
13.02
14.15
14.40
15.46
17.12
18.30
19.91
29.12
7.07%
6.93%
—
2.85
NII grth%
27.37
26.30
25.28
23.03
23.78
26.14
27.38
26.40
24.27
21.35
2.21
26.14
25.71
71
2.99
ROTE%
30.73
27.99
30.09
30.40
31.44
30.55
29.51
27.48
30.28
29.53
2.11
29.53
30.18
81
20.15
Return on equity%
9.88
10.46
9.00
6.66
8.63
8.51
9.29
10.97
12.86
11.24
12.58
10.97
9.58
27
11.69
Return on assets%
12.55
12.67
14.77
17.71
18.85
21.57
21.03
21.23
22.00
19.60
17.71
21.23
19.23
72
23.02
EPSR
33.39
32.49
34.46
29.98
31.46
32.86
30.31
29.33
28.37
25.92
24.44
(3.80%)
(3.86%)
—
9.94
EPS growth%
8.44
10.13
9.75
11.75
12.92
10.84
11.02
9.88
9.74
8.66
20.71
9.88
10.01
95
22.50
Bookvalue per shR
34.65
34.64
38.58
38.06
40.43
40.65
40.76
44.06
47.58
54.59
18.36
6.19%
4.96%
—
10.46
TBV/shR
56.19
64.97
65.91
72.97
71.36
86.43
101.69
101.66
109.86
111.86
35.77
9.41%
8.39%
—
27.94
Dividend per shR
42.76
50.18
51.21
60.01
61.57
68.24
79.35
81.77
91.40
100.53
16.48
10.30%
10.15%
—
2.74
Div yield (avg)%
22.71
21.79
20.54
22.25
25.00
22.48
21.13
20.73
18.85
17.93
8.02
20.73
21.46
69
17.62
Payout ratio%
15.50
13.56
11.27
11.62
9.33
8.73
9.41
12.14
11.09
10.08
14.00
10.08
11.18
65
469.1
Shares (diluted)M
522.9
478.5
480.9
519.2
541.7
484.0
504.1
499.1
509.5
526.1
458.8
(0.59%)
(0.02%)
79
10.11
Buyback yield%
13.73
15.71
13.13
12.53
13.24
11.50
13.56
14.16
15.20
16.79
3.89
14.16
13.64
92
74.80
Eq/Assets%
59.96
67.15
72.04
80.30
88.75
106.12
106.80
110.40
123.79
137.74
66.35
110.40
97.44
35
11.58
AssetsR B
81.96
88.50
98.12
104.1
112.6
126.4
138.7
153.6
162.2
177.4
29.69
9.52%
8.44%
28
23.62
LT debtR B
43.79
40.99
39.18
39.41
44.00
47.72
46.60
50.49
55.75
56.59
17.37
5.16%
2.99%
66
Total assets
R 177.4B
8.44%
1.19×
Revenue
R 32.06B
6.61%
1.00×
Non-interest expense
R 19.65B
6.74%
1.01×
Net interest income
62.12%
Non-interest income
37.88%