3.572
RevenueRM B
2.918
3.087
3.273
3.467
3.809
4.057
4.431
4.767
5.179
5.609
3.968
8.05%
7.47%
71
22.12
Revenue growth%
24.00
21.67
23.85
25.88
24.46
24.63
23.67
23.57
22.25
19.39
2.14
23.57
23.76
63
18.00
NIM%
9.64
9.67
7.71
10.22
11.55
8.91
8.52
10.98
13.05
15.73
20.29
10.98
9.95
58
14.55
Effic. R.%
27.26
25.73
27.52
24.86
26.39
25.44
26.56
24.18
24.26
23.86
27.88
24.26
25.58
90
9.55
Net margin%
6.00
8.43
7.16
6.89
4.16
1.65
4.18
6.99
5.15
3.56
21.99
4.18
5.57
54
34.77
P/E ratio (avg)x
52.07
54.52
63.26
71.26
83.30
96.67
100.6
114.9
116.1
120.9
35.83
114.9
89.98
14
21.66
P/TBVx
15.39
14.70
14.33
12.73
12.39
13.55
12.86
12.63
12.76
12.85
17.76
12.85
12.86
61
7.492
P/Bx
39.52
39.29
38.69
33.99
33.22
29.35
30.26
30.83
32.95
34.50
15.22
30.83
33.61
78
0.441
NIIRM B
2.114
2.220
2.333
2.517
2.761
2.903
3.202
3.428
3.697
4.034
3.667
7.88%
7.29%
—
16.45
NII grth%
22.89
22.03
19.29
20.74
18.20
19.66
20.26
18.08
19.82
17.22
15.94
19.66
19.74
24
14.16
ROTE%
18.82
20.60
19.24
16.52
15.18
15.63
15.00
17.62
16.47
16.00
15.57
16.00
16.50
56
9.52
Return on equity%
22.73
21.60
23.10
21.26
18.68
16.98
14.69
13.45
12.70
12.57
28.61
13.45
17.83
79
3.18
Return on assets%
14.54
12.44
13.73
13.30
14.35
12.45
12.03
9.07
10.41
12.38
8.48
12.03
12.45
76
0.65
EPSRM
0.70
0.73
0.83
0.77
0.79
0.91
0.89
0.92
0.95
0.92
0.72
3.00%
2.89%
—
28.45
EPS growth%
27.53
29.57
27.23
26.78
24.22
24.91
25.48
24.00
21.36
20.06
5.19
24.00
25.19
24
0.33
Bookvalue per shRM
0.74
0.83
0.84
0.85
0.92
0.92
1.03
1.06
1.10
1.27
0.50
6.61%
6.79%
—
0.21
TBV/shRM
0.30
0.32
0.36
0.36
0.41
0.39
0.40
0.43
0.41
0.45
0.29
1.95%
5.04%
—
0.28
Dividend per shRM
0.21
0.24
0.25
0.25
0.24
0.25
0.25
0.27
0.29
0.29
0.35
3.65%
4.02%
—
11.59
Div yield (avg)%
15.79
15.42
16.22
16.97
17.93
17.76
15.06
15.44
16.84
16.64
14.85
16.64
16.43
34
23.58
Payout ratio%
14.24
12.94
12.93
11.62
14.23
13.10
11.35
12.77
9.96
12.50
12.25
12.50
12.85
67
3.252
Shares (diluted)B
2.824
2.641
2.812
2.726
2.525
2.346
2.345
2.277
2.232
1.990
3.353
(4.65%)
(2.69%)
32
28.15
Buyback yield%
13.99
15.85
17.24
19.63
16.82
14.57
15.38
15.94
15.96
14.24
21.95
15.38
15.90
69
162.96
Eq/Assets%
49.97
52.88
56.05
64.10
71.81
86.16
96.06
110.10
115.37
134.10
104.61
110.10
78.99
24
1.622
AssetsRM B
15.35
16.06
17.13
18.24
19.15
20.75
22.77
25.62
28.23
30.50
1.529
9.76%
7.87%
9
4.125
LT debtRM B
3.518
3.378
3.704
4.050
4.520
5.261
5.872
6.402
7.233
7.996
0.940
12.08%
8.19%
74
Non-interest expense
7.59%
1.01×
Net interest income
71.92%
Non-interest income
28.08%