1.218
RevenueRM B
1.827
1.931
2.029
2.166
2.345
2.496
2.638
2.795
2.934
3.061
1.312
5.48%
5.80%
84
21.99
Revenue growth%
31.77
30.63
31.18
32.38
32.30
29.77
31.52
30.20
27.27
26.13
19.28
29.77
30.90
20
3.52
NIM%
8.51
8.39
8.04
7.47
7.00
6.75
5.89
8.57
6.24
6.97
3.83
6.75
7.23
28
12.91
Effic. R.%
23.76
23.21
23.29
21.13
18.13
21.08
19.44
21.18
23.24
24.35
8.68
21.18
22.19
47
21.52
Net margin%
3.53
1.92
3.46
5.54
4.77
3.99
5.38
3.75
6.47
7.29
23.92
5.38
4.38
36
9.494
P/E ratio (avg)x
38.61
44.03
50.86
50.46
50.16
57.25
62.04
66.49
70.92
83.44
30.84
66.49
54.06
89
26.31
P/TBVx
15.78
16.22
14.51
12.93
14.15
12.84
13.42
12.61
12.16
11.18
16.40
12.61
13.17
34
12.63
P/Bx
46.49
50.73
59.37
64.57
67.48
68.65
76.54
85.83
92.04
90.02
15.20
85.83
68.06
60
2.379
NIIRM B
1.232
1.304
1.389
1.480
1.604
1.695
1.793
1.870
2.012
2.077
1.269
5.30%
5.82%
—
7.41
NII grth%
26.99
25.19
25.79
27.93
29.08
28.86
27.82
25.68
27.58
26.59
20.14
27.58
27.28
43
3.04
ROTE%
27.95
28.68
31.27
33.76
36.69
38.09
40.01
38.07
40.36
40.73
11.84
40.01
37.38
56
9.96
Return on equity%
11.18
10.35
11.34
11.79
11.20
9.05
10.58
11.88
10.27
13.06
19.38
10.58
11.19
20
13.67
Return on assets%
13.82
14.39
12.61
10.90
12.95
12.13
13.11
15.25
12.28
11.31
28.31
12.28
12.78
55
0.62
EPSRM
1.40
1.56
1.50
1.74
1.95
2.00
1.96
2.17
2.39
2.48
0.67
4.92%
6.59%
—
29.08
EPS growth%
3.61
2.77
2.15
1.87
1.08
3.37
2.14
4.80
4.45
5.56
10.57
4.45
3.07
69
0.71
Bookvalue per shRM
1.52
1.64
1.76
1.83
2.17
2.15
2.14
2.52
2.51
2.89
1.07
5.84%
6.67%
—
0.34
TBV/shRM
0.19
0.19
0.17
0.17
0.15
0.14
0.13
0.13
0.12
0.11
0.25
(6.47%)
(7.15%)
—
1.07
Dividend per shRM
0.94
0.81
0.81
0.78
0.84
0.87
0.93
0.88
0.87
0.94
0.92
2.24%
(1.13%)
—
9.06
Div yield (avg)%
24.07
27.05
29.07
26.10
28.34
28.44
29.72
29.71
28.08
28.80
13.06
28.80
28.39
82
28.91
Payout ratio%
29.58
28.88
28.05
30.49
32.08
33.60
32.05
33.32
32.84
33.08
18.24
33.08
32.07
41
1.694
Shares (diluted)B
1.642
1.796
2.047
2.339
2.570
2.468
2.232
2.320
2.304
2.105
1.719
(3.91%)
3.30%
27
28.10
Buyback yield%
11.73
10.47
11.67
9.54
8.49
8.29
9.66
10.75
12.11
13.27
28.62
10.75
10.61
92
22.54
Eq/Assets%
99.32
106.89
105.86
97.06
109.52
116.78
110.71
117.75
129.95
142.88
106.75
117.75
110.12
62
0.892
AssetsRM B
7.277
8.011
8.942
9.668
10.34
11.51
12.31
13.02
14.07
15.95
3.001
9.05%
8.86%
73
1.001
LT debtRM B
1.331
1.549
1.519
1.673
1.838
1.937
2.076
2.391
2.546
2.560
1.715
6.85%
7.65%
54
Non-interest expense
6.04%
1.02×
Net interest income
67.84%
Non-interest income
32.16%