118.1
RevenueKD M
165.3
176.8
182.4
188.0
196.4
206.5
217.9
226.8
236.0
245.8
121.2
4.60%
4.62%
50
19.34
Revenue growth%
7.76
8.11
8.98
11.61
10.98
11.32
8.78
6.85
5.61
6.62
3.22
6.85
8.44
87
25.04
NIM%
4.97
6.31
7.38
10.31
8.14
8.76
6.28
9.05
6.36
5.03
8.80
6.36
6.87
45
21.05
Effic. R.%
22.84
20.99
19.82
21.77
23.85
24.95
22.19
22.67
21.57
22.73
8.50
22.67
22.43
50
11.92
Net margin%
10.62
10.63
13.39
13.36
13.17
14.75
14.48
11.55
12.96
12.93
17.21
12.96
13.06
58
17.97
P/E ratio (avg)x
26.97
27.38
27.07
25.72
28.95
33.38
34.91
39.58
38.38
41.95
20.45
38.38
31.16
80
24.14
P/TBVx
29.94
29.34
28.24
30.73
28.27
29.85
27.50
25.11
23.17
24.02
27.63
25.11
28.26
65
23.08
P/Bx
17.31
16.86
19.18
22.77
27.36
30.54
32.16
34.81
40.31
40.68
9.516
34.81
28.95
61
82.76
NIIKD M
104.3
110.9
115.8
118.7
122.3
130.2
135.3
141.5
150.4
154.6
258.1
4.79%
4.53%
—
17.58
NII grth%
33.26
35.50
33.95
36.57
38.17
40.48
39.99
42.31
40.47
37.75
13.15
40.47
37.96
31
29.73
ROTE%
35.04
34.49
34.51
35.85
36.31
38.59
35.95
37.85
38.82
37.70
5.27
37.85
36.13
30
7.25
Return on equity%
34.42
35.57
34.84
33.20
35.96
35.96
37.47
39.47
38.00
40.34
28.24
38.00
35.96
19
13.51
Return on assets%
2.08
2.77
1.56
0.40
1.65
0.70
3.28
2.70
2.69
3.41
26.01
2.70
2.38
35
0.03
EPSKD
0.07
0.07
0.07
0.07
0.07
0.08
0.08
0.09
0.08
0.08
0.03
2.36%
2.39%
—
9.91
EPS growth%
12.45
11.40
10.21
12.22
13.57
12.27
15.06
16.59
19.36
22.15
12.48
16.59
13.01
7
0.02
Bookvalue per shKD
0.07
0.07
0.08
0.08
0.09
0.10
0.09
0.10
0.12
0.13
0.04
6.84%
7.62%
—
0.03
TBV/shKD
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.04
(3.32%)
(0.10%)
—
0.03
Dividend per shKD
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.06
7.51%
7.78%
—
8.57
Div yield (avg)%
14.97
17.84
16.69
17.01
14.01
13.70
16.52
13.56
16.08
17.36
16.14
16.08
16.30
73
9.24
Payout ratio%
32.47
30.17
31.18
28.92
28.35
29.13
27.15
25.51
28.25
27.20
29.76
27.20
28.64
23
1.926
Shares (diluted)B
1.793
1.963
1.900
2.131
2.167
2.132
2.188
2.231
2.249
2.108
1.985
(0.55%)
0.67%
25
20.68
Buyback yield%
15.45
14.27
15.91
17.62
19.58
21.18
19.59
18.46
16.31
16.30
4.25
18.46
16.97
34
169.43
Eq/Assets%
61.51
59.74
55.56
58.53
60.97
65.94
70.44
79.62
82.31
85.54
132.23
79.62
63.73
77
0.076
AssetsKD B
0.868
0.940
1.001
1.088
1.181
1.218
1.316
1.390
1.483
1.625
0.250
6.58%
7.29%
7
91.95
LT debtKD M
252.9
297.9
358.3
396.7
435.2
439.3
521.5
512.9
618.2
715.0
235.5
10.44%
12.61%
65
Non-interest expense
4.70%
1.01×
Net interest income
62.87%
Non-interest income
37.13%