1,026
Revenue₩B
2,182
2,201
2,240
2,238
2,307
2,392
2,413
2,424
2,460
2,496
1,130
1.59%
1.78%
55
8.30
Revenue growth%
17.40
15.66
18.36
20.67
23.04
20.92
22.13
23.99
24.33
26.08
3.82
23.99
21.53
43
27.68
NIM%
9.10
8.78
7.14
4.67
2.52
3.56
6.00
6.39
6.19
9.15
11.12
6.19
6.29
91
24.22
Effic. R.%
16.47
18.16
19.38
18.14
17.39
16.30
18.36
17.75
18.51
16.84
4.97
17.75
17.94
67
7.06
Net margin%
13.82
13.74
13.48
12.00
10.51
10.21
11.91
11.49
11.75
12.12
6.68
11.75
11.95
33
19.42
P/E ratio (avg)x
24.60
22.47
20.73
20.31
19.71
21.27
22.65
22.51
21.89
22.34
6.403
22.34
22.12
66
33.47
P/TBVx
6.774
7.452
6.969
7.490
7.530
8.041
8.035
8.642
7.663
7.057
8.433
8.035
7.510
81
13.95
P/Bx
7.734
7.706
7.975
7.609
8.697
9.665
9.890
10.78
11.92
13.00
36.50
10.78
9.181
15
1,490
NII₩B
1,233
1,255
1,257
1,289
1,307
1,350
1,369
1,372
1,420
1,430
2,482
1.80%
1.82%
—
8.07
NII grth%
9.74
11.53
13.94
13.09
10.47
7.49
6.93
8.85
9.75
10.56
8.97
8.85
10.11
27
22.50
ROTE%
24.27
26.91
28.31
28.42
29.99
27.89
29.47
32.05
33.76
35.31
13.61
32.05
28.94
92
17.96
Return on equity%
32.16
29.74
27.39
24.70
27.16
25.05
25.93
25.00
24.61
21.75
6.82
25.00
25.49
21
23.56
Return on assets%
9.06
9.98
7.25
5.65
7.09
4.13
6.73
8.14
8.39
6.35
17.27
6.73
7.17
37
824.89
EPS₩
2,608
2,275
2,311
2,232
2,126
2,257
2,051
2,099
1,858
1,616
864.24
(5.34%)
(5.03%)
—
6.01
EPS growth%
21.02
23.14
24.54
25.00
23.81
24.08
26.79
27.07
29.73
27.08
18.40
27.07
24.77
79
2,868
Bookvalue per sh₩
4,177
4,154
4,094
4,255
4,431
4,480
4,430
4,739
4,571
4,251
1,613
(0.83%)
0.81%
—
2,811
TBV/sh₩
4,915
4,819
5,555
6,081
6,498
6,268
6,346
6,802
7,159
6,691
2,865
0.59%
2.65%
—
3,724
Dividend per sh₩
3,244
3,358
3,595
4,176
4,908
5,112
5,996
6,212
6,222
6,523
2,212
5.85%
9.06%
—
3.43
Div yield (avg)%
21.37
20.59
19.57
20.81
18.45
21.36
21.63
21.08
21.51
24.16
7.71
21.51
21.22
74
24.96
Payout ratio%
8.68
10.89
12.23
11.87
14.24
14.90
16.99
17.59
16.60
13.82
5.97
16.60
14.03
60
474.2
Shares (diluted)M
438.1
397.5
418.8
453.3
476.9
498.4
481.0
508.1
550.3
578.3
464.6
3.93%
3.56%
59
21.39
Buyback yield%
11.00
9.22
8.47
7.03
8.14
9.26
12.00
10.08
9.17
7.60
27.72
9.26
9.20
47
159.30
Eq/Assets%
138.13
123.05
120.52
108.23
98.04
96.47
88.96
87.74
84.08
76.49
42.16
87.74
97.26
9
1,197
Assets₩B
7,240
7,635
8,367
8,669
9,660
10,407
11,673
12,313
13,027
14,710
2,595
8.77%
7.88%
10
1,132
LT debt₩B
682.3
670.9
656.1
752.1
772.3
768.5
868.4
1,000
1,087
1,293
3,103
10.86%
6.78%
61
Total assets
₩14.71T
7.88%
1.79×
Revenue
₩2.496T
1.78%
1.00×
Non-interest expense
₩1.352T
1.65%
0.99×
Net interest income
57.28%
Non-interest income
42.72%
Spread over hurdle
17.30%