39.57
RevenueKD M
32.29
34.50
37.34
40.72
44.84
49.61
54.61
60.04
66.53
72.66
43.91
10.14%
9.42%
5
18.34
Revenue growth%
18.93
16.28
17.03
15.35
12.95
12.22
14.38
17.38
15.10
15.30
15.83
15.10
15.32
48
28.55
NIM%
0.40
0.40
0.40
0.66
0.40
0.40
1.61
0.40
1.13
1.16
29.49
1.13
0.40
49
8.17
Effic. R.%
6.12
3.15
0.98
0.40
0.40
1.82
0.92
0.51
1.64
2.76
17.21
1.64
1.31
45
7.66
Net margin%
4.39
6.36
6.04
6.63
9.27
10.52
7.80
9.13
9.83
10.83
11.23
9.83
8.47
48
34.56
P/E ratio (avg)x
37.91
34.25
33.71
32.94
36.39
36.62
34.92
33.44
34.81
31.52
6.100
34.81
34.53
88
32.65
P/TBVx
43.49
38.23
34.07
34.86
32.35
30.55
30.61
31.89
27.90
26.19
7.026
30.55
32.12
76
33.52
P/Bx
14.27
13.51
12.36
13.32
14.71
14.98
17.04
17.94
17.45
18.54
26.43
17.45
14.84
52
14.05
NIIKD M
18.59
20.16
21.77
23.43
25.48
28.58
31.21
35.00
38.77
42.47
41.07
10.76%
9.52%
—
19.73
NII grth%
35.93
33.23
35.05
34.86
34.03
33.90
32.42
32.38
35.29
33.63
8.82
33.63
33.97
48
12.99
ROTE%
14.71
14.58
12.83
11.39
10.21
13.04
10.60
7.90
5.75
7.43
15.23
7.90
10.99
68
17.85
Return on equity%
25.31
25.28
24.46
24.46
26.85
29.21
29.26
28.47
25.87
26.48
29.69
28.47
26.18
32
11.37
Return on assets%
21.55
19.39
19.08
16.66
14.92
17.37
15.19
17.68
15.66
16.89
17.02
16.89
17.13
16
0.01
EPSKD
0.02
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
(1.23%)
(4.70%)
—
13.51
EPS growth%
14.73
13.24
12.93
10.44
12.51
13.76
15.38
16.39
15.12
17.72
28.07
15.38
14.25
76
—
Bookvalue per shKD
—
—
—
—
—
—
—
—
—
—
0.01
(5.15%)
(6.15%)
—
0.02
TBV/shKD
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
0.02
0.02
—
6.20%
6.26%
—
0.01
Dividend per shKD
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
1.27%
0.73%
—
20.18
Div yield (avg)%
11.06
11.51
10.28
7.87
9.03
6.69
8.61
10.12
8.03
6.64
12.68
8.03
8.82
18
14.67
Payout ratio%
6.30
6.51
6.52
6.01
4.69
5.57
8.32
7.73
7.44
4.80
12.43
7.44
6.40
17
1.688
Shares (diluted)B
2.099
2.436
2.627
3.026
3.064
3.317
3.746
3.985
4.035
4.681
1.764
8.85%
8.08%
78
8.18
Buyback yield%
21.82
20.91
19.94
20.68
23.62
25.55
27.56
29.59
28.77
31.23
17.55
28.77
24.59
20
40.12
Eq/Assets%
181.46
166.98
161.81
181.38
181.89
166.59
177.48
171.12
178.83
187.05
10.67
177.48
178.15
33
68.17
AssetsKD M
257.4
277.2
294.5
310.7
344.4
366.2
396.2
427.1
473.9
497.2
56.05
7.62%
8.14%
6
63.04
LT debtKD M
36.16
36.42
36.44
35.11
34.56
31.65
28.52
26.25
28.42
30.37
24.64
(2.55%)
(1.79%)
90
Non-interest expense
9.44%
1.00×
Net interest income
58.45%
Non-interest income
41.55%