9.670
RevenueKD M
127.1
139.0
150.2
158.6
171.2
186.2
205.3
219.7
233.0
246.1
10.12
7.52%
7.60%
14
23.78
Revenue growth%
29.12
29.71
26.86
25.98
24.52
22.72
23.06
23.30
24.71
22.94
17.24
23.06
24.61
70
28.64
NIM%
17.30
19.24
20.71
23.05
25.78
24.56
23.65
25.49
24.29
21.33
6.17
24.29
23.35
79
26.23
Effic. R.%
8.72
9.31
7.46
5.09
7.45
8.86
11.11
9.20
9.33
6.77
2.28
9.20
8.79
24
3.66
Net margin%
22.19
19.79
21.82
19.80
17.32
17.05
17.47
15.91
16.67
19.57
20.62
17.05
18.52
67
23.34
P/E ratio (avg)x
18.57
21.14
22.54
24.60
24.87
26.99
30.32
27.83
30.33
27.98
33.97
27.98
25.93
83
14.12
P/TBVx
38.64
40.48
46.33
45.40
45.16
50.74
58.23
55.71
57.79
60.96
6.483
57.79
48.54
85
14.46
P/Bx
18.33
20.11
19.15
17.74
17.73
16.87
16.41
15.19
14.71
15.18
37.71
15.19
17.30
47
185.0
NIIKD M
75.29
83.90
90.19
95.13
104.4
113.8
123.6
131.6
139.9
150.3
114.2
7.55%
7.93%
—
25.67
NII grth%
2.25
3.88
1.49
0.40
0.83
0.40
2.83
0.40
1.23
3.46
10.56
1.23
1.36
78
27.21
ROTE%
22.42
23.69
21.78
19.47
17.53
15.86
13.33
14.56
17.05
15.20
21.04
15.20
17.29
8
18.03
Return on equity%
1.21
3.62
5.91
5.72
4.41
4.87
6.75
9.02
8.55
6.50
12.46
6.75
5.82
22
18.13
Return on assets%
3.61
2.83
3.76
0.80
1.37
3.05
4.91
5.79
6.80
8.38
27.44
5.79
3.68
28
0.01
EPSKD
0.02
0.02
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
(5.45%)
(2.92%)
—
25.70
EPS growth%
16.04
14.87
16.81
14.10
11.66
14.14
13.53
16.03
13.35
14.06
21.89
14.06
14.12
28
0.01
Bookvalue per shKD
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.03
0.03
—
8.35%
7.95%
—
—
TBV/shKD
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
—
6.14%
3.88%
—
0.01
Dividend per shKD
0.03
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.02
0.03
0.02
3.29%
(0.46%)
—
18.90
Div yield (avg)%
7.05
5.42
4.82
6.47
4.88
4.11
3.28
5.53
7.02
5.44
12.58
5.44
5.43
62
2.86
Payout ratio%
25.02
26.82
27.86
28.58
26.19
25.78
28.39
27.34
28.76
26.41
28.90
27.34
27.08
53
4.082
Shares (diluted)B
3.202
3.475
3.320
3.190
3.465
3.804
3.730
3.837
3.739
3.523
4.261
0.33%
0.15%
13
23.83
Buyback yield%
10.75
10.16
7.76
9.06
8.22
9.68
7.44
6.68
8.65
8.07
5.95
8.07
8.44
62
90.01
Eq/Assets%
45.58
49.13
48.05
44.69
46.70
42.54
41.24
38.59
38.96
34.23
116.03
38.96
43.62
51
79.29
AssetsKD M
424.4
475.2
512.8
551.6
592.6
667.3
702.8
771.4
873.9
942.5
163.2
9.73%
9.39%
68
185.9
LT debtKD M
161.4
170.0
170.6
167.3
171.9
194.9
204.5
231.6
225.8
228.6
162.9
5.87%
4.47%
66
Non-interest expense
7.63%
1.00×
Net interest income
61.06%
Non-interest income
38.94%