632.4
RevenueRM M
725.8
748.4
769.0
783.1
791.7
809.9
808.6
805.8
831.2
855.8
707.8
1.57%
1.98%
8
2.37
Revenue growth%
7.63
5.81
3.90
5.94
3.40
2.71
1.52
3.01
3.54
3.51
20.59
3.01
3.53
50
4.89
NIM%
4.64
5.92
5.98
5.44
4.94
6.88
6.04
9.01
8.85
11.32
13.24
8.85
6.01
16
4.41
Effic. R.%
4.40
2.42
4.56
2.28
0.85
0.82
0.57
1.58
4.37
2.89
4.26
1.58
2.35
59
15.79
Net margin%
11.70
14.69
11.86
12.80
14.96
17.19
19.14
20.58
22.24
22.91
20.10
20.58
16.08
59
25.85
P/E ratio (avg)x
12.18
13.62
12.23
13.19
12.12
12.12
11.87
12.34
13.52
14.54
13.74
12.34
12.28
41
9.812
P/TBVx
32.04
35.09
37.19
32.50
28.57
28.24
25.90
24.56
24.78
24.98
30.85
24.98
28.41
70
37.33
P/Bx
37.83
36.93
34.33
35.36
35.62
37.61
41.73
39.89
43.27
41.40
30.70
41.40
37.72
18
685.7
NIIRM M
547.2
566.0
585.1
593.9
595.4
606.1
605.2
602.0
619.6
651.0
442.7
1.80%
2.12%
—
19.76
NII grth%
19.26
17.75
20.03
22.78
23.54
23.82
22.30
21.91
21.83
19.81
12.04
21.91
21.87
20
26.25
ROTE%
19.58
17.54
14.92
17.16
15.28
15.24
15.15
15.63
13.30
11.85
21.03
15.15
15.26
46
27.56
Return on equity%
33.16
31.03
31.83
32.83
34.60
35.06
33.31
32.83
34.52
35.15
4.73
34.52
33.23
52
12.30
Return on assets%
13.72
16.23
16.14
17.92
16.22
14.00
14.57
15.33
12.83
13.36
5.13
14.00
14.95
66
0.03
EPSRM
0.06
0.06
0.06
0.07
0.08
0.09
0.08
0.09
0.10
0.10
0.04
5.26%
4.76%
—
12.92
EPS growth%
25.05
24.10
25.12
24.08
25.39
27.20
27.26
25.20
22.54
21.89
25.89
25.20
25.09
46
0.07
Bookvalue per shRM
0.10
0.10
0.11
0.13
0.13
0.13
0.16
0.19
0.21
0.22
0.05
10.52%
9.23%
—
0.03
TBV/shRM
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.03
0.02
6.16%
7.33%
—
0.02
Dividend per shRM
0.13
0.14
0.16
0.18
0.20
0.23
0.24
0.25
0.28
0.32
0.02
9.56%
10.64%
—
29.89
Div yield (avg)%
17.41
20.27
22.05
23.72
23.12
25.25
27.89
25.11
22.34
22.86
10.23
25.11
22.99
14
10.18
Payout ratio%
30.15
27.80
29.33
31.90
30.45
28.02
30.69
28.47
26.80
28.35
12.15
28.35
28.90
24
8.312
Shares (diluted)B
9.369
8.464
8.598
8.255
8.287
8.638
9.377
9.217
9.622
8.964
8.440
1.58%
0.08%
40
24.97
Buyback yield%
13.80
12.07
10.61
12.31
13.11
14.65
13.23
13.73
16.15
14.87
2.01
14.65
13.48
20
144.40
Eq/Assets%
145.28
153.81
148.47
155.51
151.06
158.65
175.53
191.09
205.80
219.41
13.10
191.09
157.08
27
0.681
AssetsRM B
1.243
1.341
1.457
1.603
1.703
1.861
1.987
2.252
2.396
2.629
0.143
9.06%
8.55%
23
655.6
LT debtRM M
189.4
167.9
184.0
199.2
207.0
206.3
189.1
195.2
174.4
178.6
562.3
(2.91%)
(0.82%)
85
Non-interest expense
1.86%
0.99×
Net interest income
76.08%
Non-interest income
23.92%
Spread over hurdle
21.71%