3.093
RevenueRM B
5.184
5.325
5.482
5.725
6.126
6.436
6.837
7.075
7.247
7.425
3.298
3.92%
4.31%
73
17.39
Revenue growth%
20.37
20.87
18.36
16.42
16.32
14.40
12.29
13.94
13.56
15.21
9.79
13.94
15.76
82
14.16
NIM%
8.54
9.78
10.02
8.43
6.27
5.24
6.94
9.92
10.28
8.54
4.54
8.54
8.54
58
26.74
Effic. R.%
22.86
23.15
23.93
21.77
21.32
23.69
26.06
26.95
27.62
30.32
26.83
26.95
23.81
11
18.87
Net margin%
3.63
3.59
1.57
0.40
1.56
3.35
2.11
0.49
0.44
2.22
28.82
2.11
1.84
18
6.424
P/E ratio (avg)x
10.98
10.71
11.60
11.68
11.48
12.94
14.86
14.70
14.58
15.30
33.90
14.70
12.31
69
35.48
P/TBVx
31.54
33.45
32.51
32.85
37.75
41.46
40.54
43.84
42.18
46.62
11.42
42.18
39.14
35
15.90
P/Bx
8.439
8.355
8.940
9.361
9.028
10.11
11.19
10.73
12.38
11.52
34.72
11.19
9.737
43
1.992
NIIRM B
4.159
4.310
4.398
4.561
4.841
5.125
5.482
5.690
5.773
6.003
1.490
4.40%
4.31%
—
17.27
NII grth%
4.48
3.08
2.50
5.49
8.03
10.41
9.08
10.77
13.21
10.43
18.42
10.43
8.56
47
14.44
ROTE%
11.39
8.44
8.00
7.24
9.04
10.99
12.14
12.14
9.58
7.98
2.13
10.99
9.31
85
17.96
Return on equity%
5.10
2.28
2.64
0.48
1.46
3.09
4.78
7.60
5.49
2.87
24.60
4.78
2.98
7
2.33
Return on assets%
14.06
14.20
16.18
14.34
11.69
12.34
10.09
10.32
8.70
9.61
27.47
10.09
12.02
12
0.18
EPSRM
1.21
1.30
1.21
1.28
1.35
1.52
1.45
1.34
1.47
1.53
0.19
2.57%
2.85%
—
27.51
EPS growth%
25.50
27.19
26.85
27.07
29.62
29.78
27.01
26.04
26.66
29.14
5.53
27.01
27.04
19
0.36
Bookvalue per shRM
1.25
1.31
1.28
1.34
1.50
1.59
1.75
1.84
2.11
2.42
0.84
10.10%
7.55%
—
1.00
TBV/shRM
0.56
0.60
0.66
0.68
0.63
0.71
0.80
0.79
0.80
0.91
1.11
7.77%
4.96%
—
0.81
Dividend per shRM
0.83
0.90
0.96
0.93
1.00
1.02
1.12
1.05
0.99
1.08
0.30
1.54%
1.77%
—
23.04
Div yield (avg)%
4.83
3.11
4.45
4.22
1.33
2.94
0.40
0.40
2.51
0.40
28.62
0.40
2.72
41
16.97
Payout ratio%
7.18
5.08
7.08
6.60
8.73
10.27
11.12
12.46
14.48
12.54
13.40
12.46
9.50
34
4.432
Shares (diluted)B
3.718
4.090
4.048
4.070
4.077
3.880
3.978
4.098
3.629
3.459
4.316
(3.23%)
(1.12%)
45
20.76
Buyback yield%
16.71
19.28
21.65
19.31
20.03
17.03
18.55
18.92
16.48
13.65
23.86
17.03
18.74
76
140.66
Eq/Assets%
235.38
210.07
232.48
231.90
231.59
241.38
246.19
252.55
233.73
214.07
18.93
241.38
233.11
94
4.395
AssetsRM B
33.76
36.24
40.30
42.37
46.87
50.15
57.35
61.88
67.24
70.31
3.148
8.45%
8.48%
33
4.092
LT debtRM B
2.039
2.095
2.309
2.449
2.701
2.784
3.269
3.415
4.093
4.646
1.433
11.46%
9.04%
79
Non-interest expense
4.23%
0.99×
Net interest income
80.84%
Non-interest income
19.16%