1.172
RevenueRM B
0.542
0.561
0.579
0.616
0.664
0.706
0.751
0.791
0.854
0.917
1.197
6.66%
5.78%
90
28.33
Revenue growth%
1.47
2.91
0.80
2.34
0.40
3.32
3.38
3.25
3.14
5.54
29.49
3.32
3.03
41
25.12
NIM%
15.09
12.46
9.84
11.77
13.39
11.93
9.67
9.21
10.93
11.63
18.21
10.93
11.70
6
5.61
Effic. R.%
2.60
4.15
2.99
4.01
6.55
4.42
6.58
6.17
7.10
6.54
27.96
6.54
5.30
34
12.90
Net margin%
4.19
1.89
2.64
4.54
4.71
3.78
1.97
0.40
0.40
2.05
10.64
1.97
2.35
82
9.418
P/E ratio (avg)x
39.12
41.89
44.58
52.22
56.74
65.37
68.74
67.35
73.54
82.85
18.67
68.74
61.05
10
22.41
P/TBVx
25.77
25.81
28.00
27.68
28.03
30.14
29.55
32.66
32.72
34.04
33.23
32.66
28.79
50
35.72
P/Bx
29.15
33.26
36.09
39.04
43.26
46.51
51.05
51.30
58.20
54.25
21.94
51.30
44.89
39
815.1
NIIRM M
422.4
431.9
453.6
477.9
512.8
541.2
575.9
607.9
656.3
708.6
83.71
6.68%
5.61%
—
23.15
NII grth%
15.32
15.08
16.99
16.85
18.38
16.64
14.14
14.75
17.26
17.14
28.50
16.64
16.75
31
13.41
ROTE%
21.46
23.33
23.54
20.83
18.01
16.61
15.99
15.92
18.10
20.18
16.78
16.61
19.14
76
25.66
Return on equity%
17.97
17.42
17.89
20.07
22.20
20.50
23.42
24.90
23.15
22.54
5.49
23.15
21.35
32
20.99
Return on assets%
23.21
24.66
22.88
20.62
18.04
16.86
16.59
15.20
14.62
13.32
26.95
15.20
17.45
41
0.10
EPSRM
0.10
0.09
0.09
0.09
0.09
0.08
0.10
0.11
0.12
0.14
0.11
9.65%
4.91%
—
19.54
EPS growth%
28.24
26.81
28.99
27.29
27.37
24.76
21.89
21.76
23.37
20.54
3.51
21.89
25.78
19
0.09
Bookvalue per shRM
0.14
0.13
0.14
0.14
0.13
0.12
0.13
0.13
0.13
0.14
0.28
1.66%
(0.54%)
—
0.25
TBV/shRM
0.25
0.25
0.24
0.23
0.24
0.22
0.23
0.24
0.27
0.28
0.05
2.96%
0.77%
—
0.26
Dividend per shRM
0.23
0.22
0.23
0.20
0.19
0.17
0.19
0.18
0.17
0.18
0.19
(1.71%)
(2.98%)
—
2.16
Div yield (avg)%
0.66
1.67
4.58
7.56
6.25
8.50
6.06
4.76
3.81
5.61
16.60
5.61
5.19
11
14.79
Payout ratio%
29.53
31.06
28.88
31.42
34.29
31.72
32.53
35.01
34.23
31.30
11.01
32.53
31.57
29
2.620
Shares (diluted)B
3.032
3.329
3.306
3.005
3.067
3.157
3.244
3.355
3.100
3.334
2.664
1.68%
0.43%
53
18.43
Buyback yield%
3.95
4.04
1.37
0.58
0.91
0.40
0.40
2.04
2.15
3.86
23.44
2.04
1.71
92
86.01
Eq/Assets%
103.99
96.40
88.52
95.70
96.92
98.79
108.13
109.54
95.84
98.61
74.97
98.79
97.77
33
0.331
AssetsRM B
2.767
3.083
3.428
3.737
3.826
4.153
4.312
4.908
5.488
6.043
0.298
9.57%
8.67%
88
749.6
LT debtRM M
682.3
659.6
741.0
769.2
817.2
858.2
843.0
845.3
827.4
870.4
798.9
1.27%
2.90%
93
Non-interest expense
5.65%
0.99×
Net interest income
77.29%
Non-interest income
22.71%