8.619
RevenueRM B
7.632
7.651
7.664
7.911
7.925
8.113
8.393
8.776
8.895
9.106
9.517
2.82%
2.23%
48
29.24
Revenue growth%
16.72
16.23
19.21
17.25
18.03
18.13
16.36
17.15
18.91
16.27
19.12
17.15
17.20
20
23.80
NIM%
24.44
22.23
23.23
24.53
24.51
25.67
22.80
23.88
23.91
25.80
25.85
23.91
24.18
32
21.30
Effic. R.%
0.40
1.42
0.40
0.40
3.16
2.00
4.54
1.92
2.12
2.99
23.69
2.12
1.96
8
23.08
Net margin%
2.24
1.93
2.61
4.41
5.38
5.55
6.11
7.03
7.89
6.21
25.38
6.21
5.46
22
6.915
P/E ratio (avg)x
43.85
51.06
52.82
56.27
64.17
70.09
76.19
83.76
98.00
96.02
25.44
83.76
67.13
54
25.04
P/TBVx
9.392
9.015
8.487
7.753
7.354
6.468
5.720
4.969
5.250
5.235
23.44
5.250
6.911
9
34.45
P/Bx
32.03
32.97
29.88
29.95
29.67
27.90
24.28
23.82
22.76
23.74
37.54
23.82
28.79
94
10.16
NIIRM B
5.044
5.026
5.060
5.150
5.180
5.286
5.525
5.644
5.820
5.934
6.732
2.76%
2.29%
—
19.55
NII grth%
20.32
22.14
20.23
21.50
21.99
23.41
24.52
23.59
21.12
21.09
7.84
23.41
21.74
78
26.88
ROTE%
17.77
16.21
18.31
16.25
18.73
20.42
20.67
18.54
17.67
16.84
25.36
18.54
18.04
84
7.49
Return on equity%
26.70
26.25
26.13
28.61
30.95
31.33
28.49
30.15
29.91
28.99
11.37
29.91
28.80
80
17.75
Return on assets%
11.98
10.61
12.99
15.31
16.62
16.33
14.83
16.04
15.18
13.86
19.89
15.18
15.00
33
3.90
EPSRM
3.38
3.42
3.52
3.76
4.27
4.81
5.22
4.93
4.80
5.06
4.30
3.43%
4.43%
—
9.45
EPS growth%
20.58
23.23
23.30
20.80
19.44
19.54
16.86
15.07
12.92
13.17
4.45
15.07
19.49
17
2.85
Bookvalue per shRM
2.81
3.11
3.63
3.51
3.98
3.89
4.45
4.85
4.84
5.77
2.51
7.70%
8.36%
—
0.85
TBV/shRM
1.39
1.48
1.38
1.32
1.26
1.40
1.26
1.32
1.48
1.64
1.17
5.39%
1.43%
—
3.53
Dividend per shRM
4.64
5.22
5.04
4.77
5.18
5.70
6.04
6.21
5.66
5.72
1.06
1.99%
3.22%
—
15.01
Div yield (avg)%
27.92
28.04
29.91
31.83
30.93
32.38
34.85
35.89
35.34
35.14
17.63
35.14
32.11
26
2.76
Payout ratio%
27.15
24.47
22.00
21.14
19.71
18.96
16.51
16.74
17.25
14.57
22.25
16.74
19.34
44
2.029
Shares (diluted)B
1.732
1.540
1.423
1.300
1.146
1.206
1.200
1.246
1.278
1.361
2.035
3.50%
(1.82%)
6
17.00
Buyback yield%
2.30
1.06
0.40
0.40
0.40
0.40
0.43
0.40
0.51
0.40
18.19
0.40
0.40
12
74.33
Eq/Assets%
59.75
68.00
73.61
72.62
81.20
91.14
92.47
100.86
114.99
122.46
24.55
100.86
86.17
52
11.44
AssetsRM B
11.98
13.06
14.01
15.53
16.36
17.97
19.12
20.59
21.75
23.26
5.608
7.29%
7.08%
6
7.703
LT debtRM B
2.637
2.889
2.681
2.639
2.482
2.436
2.294
2.487
2.448
2.239
4.747
(2.04%)
(1.42%)
14
Non-interest expense
2.11%
0.99×
Net interest income
65.17%
Non-interest income
34.83%
Spread over hurdle
29.21%