488.4
RevenueRM M
653.4
661.3
684.8
712.0
738.7
771.4
787.6
797.6
806.8
821.9
507.4
2.16%
2.42%
26
6.60
Revenue growth%
21.16
23.33
22.77
20.44
19.45
18.19
19.43
22.38
23.20
23.91
21.25
22.38
21.77
6
8.83
NIM%
28.73
29.34
27.55
24.96
26.07
24.56
26.09
25.90
24.99
22.64
28.28
24.99
25.98
85
27.18
Effic. R.%
28.11
29.80
28.23
26.13
26.64
29.20
28.62
30.35
30.56
31.36
5.66
30.35
28.91
33
29.66
Net margin%
2.34
0.74
0.91
0.40
0.85
3.28
5.73
4.13
7.04
7.98
27.37
5.73
2.81
30
24.75
P/E ratio (avg)x
30.91
34.42
33.34
37.37
35.46
41.38
47.93
54.42
60.76
59.21
7.363
54.42
39.38
27
6.870
P/TBVx
41.14
44.40
47.00
44.77
46.77
49.23
52.64
50.28
49.24
56.98
18.24
50.28
48.11
23
31.49
P/Bx
26.20
26.43
28.76
25.61
25.74
27.59
27.44
25.67
23.29
22.54
21.42
25.67
25.97
56
454.0
NIIRM M
505.4
516.4
533.2
554.9
563.6
591.2
602.6
619.2
628.2
628.0
467.7
2.19%
2.27%
—
6.49
NII grth%
20.41
17.95
16.56
19.25
16.55
18.46
20.97
23.20
25.37
23.74
14.88
23.20
19.83
84
6.37
ROTE%
26.05
26.46
23.66
24.54
24.73
23.55
22.12
21.56
24.31
24.69
25.61
23.55
24.42
88
24.35
Return on equity%
28.42
27.57
28.50
30.74
28.75
26.90
25.92
23.06
24.64
26.26
26.38
25.92
27.23
11
29.43
Return on assets%
32.68
31.42
31.39
33.77
34.89
33.39
34.00
36.75
35.76
36.33
14.91
35.76
33.89
41
0.06
EPSRM
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.07
0.08
0.08
0.06
5.73%
1.76%
—
7.99
EPS growth%
21.52
23.87
24.73
26.88
29.80
29.44
29.21
27.91
25.75
23.86
25.50
27.91
26.31
94
0.21
Bookvalue per shRM
0.22
0.23
0.24
0.22
0.25
0.26
0.25
0.27
0.26
0.28
0.21
2.04%
1.63%
—
0.30
TBV/shRM
0.38
0.41
0.40
0.41
0.45
0.49
0.49
0.54
0.56
0.54
0.13
3.51%
4.43%
—
0.27
Dividend per shRM
0.15
0.16
0.16
0.17
0.16
0.14
0.13
0.12
0.11
0.10
0.27
(9.98%)
(5.40%)
—
3.98
Div yield (avg)%
21.97
20.12
20.94
20.73
21.88
22.22
24.58
27.57
25.67
26.96
9.37
25.67
22.09
72
23.66
Payout ratio%
2.20
4.80
3.15
3.01
2.88
0.40
2.29
4.37
2.78
5.72
12.98
2.78
2.95
38
2.294
Shares (diluted)B
1.844
1.876
1.772
1.852
1.828
1.883
1.978
2.182
2.224
2.150
2.298
3.30%
0.76%
57
18.11
Buyback yield%
28.86
27.64
27.15
28.56
30.63
28.55
30.56
32.17
29.75
32.29
6.65
30.56
29.31
14
142.15
Eq/Assets%
164.80
158.10
160.93
178.42
201.21
218.81
209.57
204.04
216.76
251.55
108.23
216.76
202.62
19
0.839
AssetsRM B
2.784
3.017
3.301
3.499
3.851
4.063
4.533
4.801
5.315
5.632
0.592
7.90%
7.98%
45
438.7
LT debtRM M
396.9
384.6
418.6
382.7
409.4
357.7
325.9
357.5
348.5
341.4
35.53
(3.56%)
(2.67%)
66
Non-interest expense
2.66%
1.02×
Net interest income
76.42%
Non-interest income
23.58%