25.13
RevenueRM B
31.89
32.17
32.43
33.31
34.16
35.23
35.71
36.12
36.09
37.27
27.03
1.76%
1.84%
92
29.83
Revenue growth%
4.62
3.77
3.76
3.48
2.34
4.92
5.07
3.57
5.93
5.21
29.28
5.07
4.20
31
11.44
NIM%
25.28
25.62
24.43
22.13
23.54
21.81
19.43
19.19
16.43
15.74
6.52
19.19
21.97
65
15.36
Effic. R.%
14.09
11.73
11.57
12.27
11.70
10.68
9.57
7.52
10.38
10.42
22.46
10.38
11.12
56
29.10
Net margin%
32.83
31.70
32.26
29.41
27.02
26.76
28.10
27.95
30.05
31.62
20.60
28.10
29.73
94
21.14
P/E ratio (avg)x
24.18
23.82
26.24
28.75
31.06
33.44
32.76
35.88
40.17
37.57
20.68
35.88
31.91
40
18.41
P/TBVx
21.59
22.37
20.71
22.40
22.44
21.33
20.13
22.13
21.57
20.81
9.191
21.33
21.58
89
21.47
P/Bx
17.92
20.97
19.82
21.70
22.49
23.74
23.58
25.56
28.48
32.58
35.36
25.56
23.04
13
6.921
NIIRM B
21.87
21.73
22.28
22.38
23.17
24.11
23.85
24.55
24.43
25.59
9.451
2.01%
2.11%
—
21.74
NII grth%
14.68
17.67
14.83
15.69
13.52
13.48
11.09
9.66
7.43
9.14
12.78
9.66
13.50
58
21.20
ROTE%
7.02
5.79
3.11
3.52
4.34
6.12
7.75
9.93
7.02
8.42
4.73
7.75
6.57
23
6.91
Return on equity%
1.68
0.54
1.52
2.47
5.23
5.37
7.60
7.28
6.68
4.89
13.12
6.68
5.06
26
9.70
Return on assets%
21.92
21.48
20.35
21.90
24.71
25.21
23.11
25.59
27.20
25.76
10.92
25.59
23.91
5
0.70
EPSRM
0.57
0.56
0.59
0.54
0.48
0.47
0.50
0.50
0.52
0.56
0.74
3.48%
(1.05%)
—
5.55
EPS growth%
25.83
25.01
24.47
21.90
19.49
16.98
15.15
14.03
13.36
10.58
14.59
14.03
18.24
32
0.48
Bookvalue per shRM
1.66
1.58
1.81
1.89
2.00
2.28
2.31
2.54
3.00
3.43
1.26
11.38%
7.08%
—
0.41
TBV/shRM
1.37
1.32
1.21
1.13
1.17
1.23
1.35
1.23
1.34
1.48
0.31
4.84%
(0.07%)
—
0.45
Dividend per shRM
0.72
0.69
0.66
0.73
0.74
0.78
0.86
0.88
0.96
1.03
1.55
6.85%
3.88%
—
4.59
Div yield (avg)%
12.17
10.67
8.76
7.10
5.63
5.30
5.31
7.34
5.81
7.06
19.23
5.81
7.08
72
25.75
Payout ratio%
12.72
11.50
13.26
10.61
8.34
5.79
8.36
6.26
6.32
8.51
20.76
6.32
8.43
17
11.86
Shares (diluted)B
15.17
17.05
18.44
20.44
21.20
24.95
29.96
32.70
36.36
43.17
12.06
15.28%
10.88%
52
12.64
Buyback yield%
0.40
3.15
2.29
4.85
5.44
3.78
2.93
5.83
7.31
6.06
15.51
5.83
4.32
59
70.74
Eq/Assets%
15.48
18.41
19.41
21.79
25.43
29.96
30.88
36.43
40.62
45.64
71.82
36.43
27.69
66
18.61
AssetsRM B
63.87
67.97
76.27
80.89
85.96
90.95
97.49
102.3
110.8
116.1
3.498
6.20%
7.00%
63
19.03
LT debtRM B
12.10
10.87
9.755
9.036
8.967
8.786
8.033
7.491
6.709
5.995
15.00
(7.74%)
(6.81%)
9
Non-interest expense
1.92%
1.01×
Net interest income
68.67%
Non-interest income
31.33%