1,100
Revenue₩B
4,284
4,605
4,989
5,438
5,820
6,404
6,866
7,582
8,123
8,712
1,169
8.40%
8.31%
55
8.38
Revenue growth%
11.73
10.44
12.32
12.30
13.75
14.83
12.42
10.14
10.01
7.43
18.13
10.14
12.01
78
25.96
NIM%
11.02
12.52
9.72
12.55
10.19
7.55
6.33
5.63
7.27
9.78
21.66
7.27
9.75
41
11.07
Effic. R.%
33.80
31.81
32.49
31.33
32.50
31.73
31.37
31.67
33.23
35.30
18.59
31.73
32.15
28
5.34
Net margin%
12.28
13.64
11.10
11.28
8.46
11.19
12.39
12.13
11.18
11.86
10.56
11.86
11.57
36
37.09
P/E ratio (avg)x
18.64
20.97
19.04
18.42
19.08
19.42
20.52
20.94
21.11
22.23
29.12
20.94
19.97
53
13.02
P/TBVx
8.576
8.762
8.513
7.909
8.389
8.857
8.380
9.690
11.11
10.60
9.839
9.690
8.669
72
9.468
P/Bx
24.77
26.89
28.80
31.92
35.51
35.46
32.01
33.79
36.32
38.07
27.25
35.46
32.90
44
1,678
NII₩B
3,212
3,384
3,707
4,078
4,341
4,784
5,142
5,622
6,054
6,418
6,568
8.14%
8.23%
—
23.03
NII grth%
14.90
17.75
16.49
18.65
18.69
21.24
19.24
19.38
19.93
20.82
8.95
19.93
18.96
93
16.28
ROTE%
15.33
15.93
15.29
12.75
13.21
15.20
17.47
18.50
16.47
15.14
19.84
16.47
15.31
63
21.56
Return on equity%
26.39
28.67
29.07
31.24
30.24
33.16
33.85
32.84
32.51
32.47
16.30
32.84
31.86
15
11.30
Return on assets%
29.56
30.57
30.58
27.74
26.69
26.31
25.52
22.58
23.23
22.64
5.67
23.23
26.50
92
15,836
EPS₩
5,658
5,534
4,900
4,636
4,087
3,673
3,762
3,941
4,240
3,930
17,635
(0.78%)
(3.66%)
—
14.15
EPS growth%
9.01
6.79
4.60
5.60
5.94
3.23
4.75
2.20
1.52
0.40
26.06
2.20
4.68
33
4,032
Bookvalue per sh₩
10,833
9,672
9,522
9,711
10,597
11,209
9,880
10,089
9,340
9,253
15,771
(2.68%)
(1.82%)
—
14,396
TBV/sh₩
17,263
19,359
20,334
18,938
21,127
22,041
23,747
26,655
23,983
23,493
10,206
2.15%
2.37%
—
6,583
Dividend per sh₩
20,643
18,982
16,497
17,841
16,005
15,723
16,236
15,623
16,926
16,929
10,804
1.13%
(2.66%)
—
15.62
Div yield (avg)%
21.66
18.84
16.80
16.47
13.62
14.21
13.79
14.18
11.25
8.57
3.05
13.79
14.20
32
6.93
Payout ratio%
7.84
8.36
8.99
8.01
9.66
9.12
11.08
12.91
11.97
14.90
7.90
11.97
9.39
17
0.268
Shares (diluted)B
0.519
0.547
0.657
0.710
0.778
0.783
0.827
0.989
1.050
1.150
0.264
8.14%
10.29%
7
14.06
Buyback yield%
7.64
4.84
4.33
1.52
3.45
3.71
5.54
5.64
5.66
7.44
11.00
5.64
5.19
23
105.01
Eq/Assets%
85.21
90.77
84.74
89.42
90.92
85.63
91.32
92.12
98.28
103.13
101.16
92.12
90.84
12
2,394
Assets₩B
2,232
2,423
2,542
2,769
2,948
3,139
3,549
3,780
4,087
4,331
2,153
7.99%
7.60%
45
4,076
LT debt₩B
3,470
3,484
3,673
4,271
4,870
4,899
5,670
6,387
6,262
6,459
1,120
5.81%
8.14%
80
Total assets
₩4.331T
7.60%
0.94×
Revenue
₩8.712T
8.31%
1.00×
Non-interest expense
₩4.840T
8.25%
0.99×
Net interest income
73.67%
Non-interest income
26.33%
Return on capital
177.24%