128.7
RevenueR M
203.5
212.8
221.4
228.1
242.3
250.5
265.7
275.8
285.3
141.0
154.6
4.58%
4.77%
85
25.04
Revenue growth%
21.84
23.37
21.48
20.95
23.19
21.81
23.90
23.59
23.41
26.01
18.86
23.41
22.51
44
25.01
NIM%
15.33
17.58
20.14
22.12
23.19
20.64
19.20
20.68
19.78
10.32
12.01
20.64
19.96
30
19.57
Effic. R.%
27.50
29.83
30.73
30.71
28.48
27.81
29.49
26.56
25.66
24.61
25.66
27.81
28.25
62
3.39
Net margin%
0.55
0.40
1.74
4.71
2.33
3.75
6.71
8.23
10.12
2.62
18.39
6.71
3.04
70
21.85
P/E ratio (avg)x
6.138
6.790
6.098
5.950
5.705
5.056
5.416
5.919
5.790
6.220
27.73
5.705
5.935
7
13.74
P/TBVx
14.22
14.91
17.06
18.21
18.07
19.34
21.52
20.96
19.43
33.03
34.58
19.43
18.14
78
20.10
P/Bx
26.47
28.93
30.97
32.00
32.07
33.90
35.77
33.24
32.31
11.04
33.12
33.24
32.04
69
33.55
NIIR M
131.6
137.7
144.5
145.6
157.8
161.8
170.2
177.6
182.6
240.9
277.5
4.63%
4.63%
—
9.09
NII grth%
9.89
10.88
8.96
8.26
5.92
6.34
3.73
3.57
4.24
28.84
8.29
4.24
7.30
30
17.03
ROTE%
25.24
28.03
28.10
26.39
24.92
24.14
23.49
23.75
23.57
13.35
7.40
23.75
25.08
94
11.04
Return on equity%
1.88
1.55
0.40
1.89
3.35
4.90
3.88
2.47
1.85
19.36
23.47
3.35
2.18
65
19.28
Return on assets%
22.47
25.21
26.87
29.00
26.25
25.34
24.45
25.42
24.36
13.12
9.10
25.34
25.28
86
0.04
EPSR
0.03
0.03
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.50%
0.59%
—
8.01
EPS growth%
14.17
12.68
12.76
12.27
14.61
11.69
12.85
12.14
10.03
8.93
17.76
12.14
12.50
37
0.04
Bookvalue per shR
0.10
0.11
0.10
0.09
0.09
0.09
0.09
0.09
0.10
0.03
0.08
0.66%
0.81%
—
0.07
TBV/shR
0.07
0.06
0.07
0.07
0.08
0.08
0.08
0.09
0.09
0.03
0.04
4.00%
4.13%
—
0.04
Dividend per shR
0.07
0.08
0.08
0.08
0.10
0.10
0.11
0.11
0.11
0.08
0.05
5.12%
6.81%
—
20.55
Div yield (avg)%
6.82
5.39
5.57
4.57
3.39
1.37
0.73
2.32
4.03
19.05
14.91
2.32
4.30
34
22.47
Payout ratio%
9.78
10.28
9.71
12.38
10.68
9.06
7.27
5.71
4.60
8.95
26.34
7.27
9.38
39
1.195
Shares (diluted)B
1.416
1.381
1.559
1.681
1.762
1.757
1.806
1.820
1.846
1.218
1.200
1.89%
2.04%
54
25.87
Buyback yield%
18.82
20.38
19.73
18.86
21.77
21.66
22.68
21.67
24.33
13.38
28.35
21.77
21.02
56
81.55
Eq/Assets%
58.01
58.15
57.08
59.58
60.07
67.58
67.50
64.83
61.16
17.76
106.03
64.83
60.56
56
0.286
AssetsR B
0.687
0.760
0.834
0.888
0.977
1.099
1.223
1.361
1.448
0.227
0.317
10.27%
9.63%
90
161.7
LT debtR M
154.6
138.9
133.5
130.1
143.6
157.6
157.3
140.7
126.9
84.34
308.3
(0.49%)
(3.24%)
21
Total assets
R 1.448B
9.63%
1.57×
Revenue
R 285.3M
4.77%
1.00×
Non-interest expense
R 155.7M
4.83%
1.01×
Net interest income
64.00%
Non-interest income
36.00%