58.77
RevenueR B
65.58
67.99
68.81
69.03
72.04
75.25
75.32
77.07
79.02
81.74
63.05
2.56%
2.40%
17
18.64
Revenue growth%
7.63
9.44
9.25
11.54
10.00
10.09
12.19
12.66
11.48
9.89
20.33
11.48
10.05
23
6.52
NIM%
17.58
17.28
18.35
19.57
21.09
19.42
16.42
15.58
17.36
15.83
20.97
16.42
17.47
48
19.10
Effic. R.%
16.25
17.42
17.52
17.00
14.35
15.15
15.67
14.82
15.25
15.20
13.63
15.20
15.46
9
14.38
Net margin%
21.00
20.10
21.42
23.57
25.44
27.42
29.95
31.81
29.07
29.85
18.41
29.85
26.43
48
37.01
P/E ratio (avg)x
13.80
16.08
16.25
15.48
17.15
19.58
20.16
20.12
22.03
25.18
33.44
20.16
18.36
76
23.80
P/TBVx
29.57
32.79
30.20
28.56
26.86
29.31
32.77
36.24
34.63
34.77
27.28
34.63
31.48
81
28.50
P/Bx
41.96
45.33
49.65
59.99
71.71
78.57
82.87
81.84
97.01
98.00
34.69
82.87
75.14
71
57.67
NIIR B
43.79
45.20
46.77
46.95
48.30
50.63
50.68
51.58
53.16
55.23
84.83
2.72%
2.44%
—
2.39
NII grth%
10.65
10.96
11.78
10.70
13.70
15.20
15.34
13.15
15.08
15.12
16.35
15.12
13.42
22
26.40
ROTE%
12.63
13.72
16.13
16.61
15.67
14.57
16.22
14.44
12.10
10.93
17.75
14.44
14.50
37
11.94
Return on equity%
21.78
21.79
21.51
21.22
21.46
20.76
20.78
22.04
22.82
22.86
3.72
22.04
21.65
57
24.57
Return on assets%
10.27
13.01
12.24
14.59
14.92
17.47
15.46
17.96
16.91
16.97
15.96
16.97
15.19
87
17.73
EPSR
5.61
5.43
5.88
5.53
5.35
5.79
6.32
6.87
7.26
6.58
18.96
4.25%
1.46%
—
4.38
EPS growth%
16.39
18.09
18.70
21.58
23.92
25.99
23.50
22.61
22.69
20.05
16.79
22.69
22.10
55
23.11
Bookvalue per shR
19.27
20.99
23.22
24.12
22.95
25.01
25.60
30.38
35.71
35.63
15.88
9.20%
6.27%
—
13.06
TBV/shR
13.63
14.00
13.68
12.65
12.74
14.15
14.26
14.57
14.14
13.30
15.60
0.87%
(0.77%)
—
17.25
Dividend per shR
20.94
21.58
25.95
27.92
32.39
37.64
40.39
46.83
55.02
62.74
19.01
14.14%
13.17%
—
13.82
Div yield (avg)%
18.76
18.80
16.74
18.26
18.59
16.55
19.33
20.52
18.83
20.73
27.20
19.33
18.78
36
14.62
Payout ratio%
2.26
3.74
4.02
7.00
8.21
10.31
12.01
13.49
14.44
12.26
9.54
12.26
9.26
85
1.583
Shares (diluted)B
1.190
1.284
1.171
1.042
0.920
0.966
1.029
0.974
0.955
1.005
1.597
1.79%
(2.72%)
38
24.51
Buyback yield%
31.13
29.25
31.43
33.91
36.06
35.33
36.87
37.69
37.81
39.39
11.36
37.69
35.70
80
130.91
Eq/Assets%
20.67
21.86
21.57
21.79
22.11
20.05
21.73
21.31
21.31
19.72
130.13
21.31
21.44
73
69.27
AssetsR B
48.49
52.05
57.99
61.81
68.72
71.02
79.78
84.99
96.46
101.3
26.99
8.06%
8.62%
61
53.50
LT debtR B
89.94
93.01
95.17
106.5
104.2
104.1
115.9
111.3
111.3
112.9
78.06
1.63%
2.68%
87
Total assets
R 101.3B
8.62%
1.80×
Revenue
R 81.74B
2.40%
1.00×
Non-interest expense
R 50.28B
2.53%
1.01×
Net interest income
67.56%
Non-interest income
32.44%