2.601
RevenueRM B
6.619
6.495
6.422
6.582
6.476
6.402
6.287
6.401
6.403
6.437
2.835
(0.12%)
(0.30%)
40
2.77
Revenue growth%
2.83
1.98
0.40
0.40
1.59
3.17
0.78
0.40
1.40
0.40
20.89
0.78
1.09
72
4.01
NIM%
2.93
0.72
3.55
2.33
5.16
3.62
2.57
0.71
0.96
0.40
6.67
0.96
2.45
52
3.56
Effic. R.%
27.41
28.31
26.20
26.88
25.28
26.33
24.95
26.19
23.62
22.61
16.45
24.95
26.19
14
15.03
Net margin%
17.54
14.67
14.09
11.77
11.14
11.64
11.09
13.88
11.78
11.75
20.40
11.75
11.77
86
32.81
P/E ratio (avg)x
23.73
25.24
24.44
26.30
24.60
25.58
23.72
21.29
21.14
20.17
12.06
21.29
24.09
49
36.75
P/TBVx
15.15
15.54
16.80
18.60
17.63
18.86
20.93
22.26
21.71
22.31
23.94
21.71
18.73
62
12.86
P/Bx
26.86
25.04
25.52
26.84
26.92
24.75
26.70
25.95
28.57
30.11
12.45
26.70
26.77
76
6.659
NIIRM B
3.909
3.771
3.746
3.809
3.774
3.725
3.681
3.668
3.731
3.804
2.648
0.16%
(0.30%)
—
17.34
NII grth%
18.21
15.28
15.52
18.34
15.67
13.31
11.21
11.68
9.65
12.21
5.65
11.68
14.30
81
14.84
ROTE%
8.48
11.22
13.33
16.06
18.39
20.04
20.31
19.64
18.49
19.68
24.59
19.68
18.44
36
2.64
Return on equity%
3.88
5.21
6.45
6.66
7.66
9.04
7.48
5.60
6.55
6.57
10.10
6.57
6.56
20
6.51
Return on assets%
21.28
23.89
25.20
26.19
24.06
22.64
19.85
19.41
20.11
20.81
25.58
20.11
21.96
51
0.99
EPSRM
0.45
0.44
0.39
0.38
0.36
0.33
0.36
0.34
0.35
0.38
1.09
1.27%
(2.43%)
—
16.61
EPS growth%
17.60
14.93
13.15
13.53
12.78
13.15
15.99
16.05
16.90
16.23
14.62
16.05
15.46
78
1.19
Bookvalue per shRM
2.79
2.54
2.54
2.67
2.83
3.08
2.94
2.89
2.79
2.67
1.08
(1.11%)
0.63%
—
1.13
TBV/shRM
1.34
1.46
1.51
1.54
1.61
1.79
2.04
2.33
2.51
2.79
1.09
11.57%
9.20%
—
1.36
Dividend per shRM
4.27
4.10
4.01
4.51
5.20
5.34
5.64
6.23
7.26
7.79
0.71
8.43%
6.01%
—
7.67
Div yield (avg)%
30.39
33.02
30.29
28.53
26.39
26.24
23.46
22.22
24.69
25.45
4.83
24.69
26.32
17
8.94
Payout ratio%
13.04
14.70
12.29
12.40
14.04
14.76
13.75
16.35
14.96
14.30
25.65
14.76
14.17
51
1.157
Shares (diluted)B
1.780
2.065
2.417
2.584
3.067
3.434
4.059
4.193
4.374
4.600
1.127
8.45%
10.94%
23
17.80
Buyback yield%
34.67
36.64
34.01
31.65
34.44
33.81
36.37
38.07
40.10
40.94
26.91
38.07
35.52
24
39.63
Eq/Assets%
296.12
346.33
355.90
365.69
403.55
471.16
518.73
625.60
694.50
679.89
91.53
625.60
437.36
16
2.257
AssetsRM B
14.30
15.70
16.47
18.26
20.35
22.41
23.63
25.92
28.89
31.65
6.082
9.23%
9.33%
27
6.157
LT debtRM B
2.361
2.598
2.776
3.135
3.574
3.380
3.329
3.797
3.692
3.837
7.460
1.43%
5.34%
39
Non-interest expense
(0.24%)
1.01×
Net interest income
59.10%
Non-interest income
40.90%