270.5
RevenueKD M
174.8
193.9
206.5
228.3
244.4
267.8
294.5
325.1
348.7
384.9
289.4
9.51%
9.33%
49
9.60
Revenue growth%
28.26
28.43
26.12
25.43
23.16
23.12
26.05
28.16
26.23
27.97
7.40
26.23
26.18
79
4.56
NIM%
20.74
22.36
19.99
21.19
21.74
18.93
21.02
23.15
20.49
20.93
14.48
20.93
20.98
85
17.28
Effic. R.%
7.08
8.89
11.33
13.86
12.68
12.06
9.36
11.56
12.12
11.14
7.74
11.56
11.45
76
25.72
Net margin%
11.64
13.93
16.58
16.49
16.12
17.63
19.92
17.66
20.40
22.79
8.07
19.92
17.10
63
37.30
P/E ratio (avg)x
12.07
13.09
13.88
15.19
14.98
17.58
16.86
18.62
18.25
17.27
31.17
17.58
16.02
49
21.85
P/TBVx
22.83
23.65
22.62
19.84
21.54
23.58
23.53
21.72
22.62
22.40
21.47
22.62
22.62
69
17.76
P/Bx
18.71
17.63
20.17
20.42
22.92
23.85
22.51
25.07
26.10
25.78
12.64
25.07
22.71
37
327.1
NIIKD M
131.8
146.9
155.0
171.3
183.0
202.8
223.8
241.5
260.1
290.8
170.7
9.71%
9.34%
—
4.20
NII grth%
15.31
12.39
13.01
10.75
13.20
10.48
9.18
9.71
7.60
6.13
26.88
9.18
10.62
92
11.04
ROTE%
11.18
13.05
11.15
13.24
15.86
16.09
13.98
14.55
12.64
12.44
11.91
13.98
13.14
56
19.56
Return on equity%
9.51
7.59
6.33
5.65
4.42
6.33
5.15
7.39
8.80
9.73
19.07
7.39
6.86
26
18.79
Return on assets%
0.40
1.73
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
24.92
0.40
0.40
31
0.02
EPSKD
0.03
0.04
0.04
0.05
0.05
0.06
0.07
0.07
0.07
0.08
0.02
8.74%
9.02%
—
11.11
EPS growth%
11.89
9.25
8.51
9.06
7.46
9.84
8.96
10.37
11.33
13.03
24.51
10.37
9.55
15
0.04
Bookvalue per shKD
0.06
0.06
0.06
0.07
0.08
0.09
0.09
0.10
0.11
0.12
0.01
9.02%
6.60%
—
0.02
TBV/shKD
0.03
0.03
0.03
0.03
0.02
0.03
0.02
0.03
0.02
0.02
0.04
(1.95%)
(2.66%)
—
0.05
Dividend per shKD
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
0.08
4.21%
(0.91%)
—
25.14
Div yield (avg)%
21.88
21.38
23.45
21.52
22.04
23.71
24.20
26.10
24.63
22.77
20.65
24.20
23.11
28
3.55
Payout ratio%
25.18
26.90
26.26
24.16
21.47
18.60
16.88
14.96
14.76
13.14
21.02
14.96
20.03
78
4.219
Shares (diluted)B
6.862
8.058
8.042
8.709
9.051
10.26
11.14
12.10
12.48
12.83
4.066
7.23%
7.14%
48
23.49
Buyback yield%
15.11
14.74
16.46
15.57
18.10
16.47
15.70
14.36
16.92
15.55
7.45
15.70
15.63
12
93.53
Eq/Assets%
181.46
206.78
215.12
251.69
252.36
284.22
292.02
336.74
346.98
351.60
59.50
336.74
268.29
83
40.21
AssetsKD M
444.4
489.7
522.2
582.2
611.3
639.9
676.1
768.1
828.2
941.0
28.00
9.01%
8.56%
94
167.0
LT debtKD M
104.1
97.14
84.05
83.09
82.27
85.95
76.29
79.42
68.32
68.61
57.50
(3.57%)
(3.57%)
15
Non-interest expense
9.12%
0.98×
Net interest income
75.56%
Non-interest income
24.44%