0.819
RevenueKD B
0.841
0.891
0.948
0.996
1.054
1.122
1.225
1.340
1.447
1.527
0.868
7.69%
7.07%
51
4.76
Revenue growth%
10.01
10.34
8.55
9.29
11.11
13.76
15.13
12.31
14.67
15.43
15.86
14.67
11.71
53
2.54
NIM%
20.32
18.05
15.44
17.31
15.73
13.41
15.90
14.73
17.38
16.54
9.30
15.90
16.22
43
7.61
Effic. R.%
6.68
6.01
5.54
7.72
8.06
8.72
8.21
6.04
4.57
5.91
28.47
6.04
6.36
63
13.99
Net margin%
9.05
11.36
9.39
11.29
10.11
7.64
6.62
5.50
5.39
6.45
18.10
6.45
8.35
21
31.93
P/E ratio (avg)x
28.66
30.26
28.99
31.66
29.47
32.24
33.98
34.99
37.31
34.11
30.67
34.11
31.95
29
32.35
P/TBVx
35.93
33.23
34.54
35.42
36.64
33.98
37.24
37.87
35.07
39.42
17.34
37.24
35.68
5
18.42
P/Bx
43.87
44.05
44.30
43.70
47.40
47.77
51.30
54.23
49.65
54.43
20.22
51.30
47.59
19
471.8
NIIKD M
549.2
577.0
611.7
639.7
689.9
720.1
786.7
868.9
946.0
999.2
734.2
7.69%
7.13%
—
17.85
NII grth%
25.11
23.32
22.22
24.69
21.85
20.28
20.50
18.86
18.18
15.44
12.15
18.86
21.17
41
18.28
ROTE%
9.51
8.03
5.49
5.33
4.77
5.97
5.51
6.18
4.69
5.46
16.92
5.51
5.50
89
9.53
Return on equity%
25.62
27.76
30.60
32.44
32.16
30.74
31.72
32.82
29.88
29.14
25.22
30.74
30.67
61
22.64
Return on assets%
20.89
18.77
20.05
19.26
17.78
17.34
19.71
16.88
17.82
18.30
19.92
17.82
18.54
54
0.08
EPSKD
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.05
0.05
0.05
0.09
1.94%
1.79%
—
13.30
EPS growth%
25.66
24.54
27.20
29.44
31.32
33.96
32.45
33.43
34.73
33.62
9.31
33.62
31.89
89
0.09
Bookvalue per shKD
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.07
1.38%
(0.01%)
—
0.05
TBV/shKD
0.11
0.11
0.12
0.11
0.12
0.12
0.11
0.12
0.11
0.12
0.02
0.45%
2.52%
—
0.02
Dividend per shKD
0.07
0.08
0.07
0.07
0.07
0.06
0.07
0.07
0.07
0.06
0.05
(2.17%)
(0.64%)
—
17.13
Div yield (avg)%
4.43
3.75
1.28
0.40
0.40
0.40
3.08
4.85
3.51
5.44
7.20
3.51
3.29
79
16.07
Payout ratio%
10.04
10.66
9.91
11.24
8.62
8.45
11.04
10.01
7.11
9.38
15.86
9.38
9.96
75
8.916
Shares (diluted)B
13.67
14.56
14.60
15.57
17.83
20.84
21.08
22.70
26.03
26.76
9.335
8.47%
7.91%
38
28.55
Buyback yield%
5.69
8.26
9.07
9.35
9.02
7.73
9.83
7.25
4.89
6.44
3.78
7.25
8.00
14
85.21
Eq/Assets%
109.36
99.43
97.26
92.85
101.98
112.15
112.47
100.76
108.25
118.63
24.71
112.15
105.11
19
1.332
AssetsKD B
0.775
0.856
0.935
0.991
1.110
1.172
1.251
1.363
1.486
1.602
0.375
7.62%
8.21%
41
0.094
LT debtKD B
0.697
0.656
0.612
0.563
0.550
0.585
0.568
0.554
0.570
0.507
1.177
(1.63%)
(3.13%)
72
Non-interest expense
7.32%
1.02×
Net interest income
65.44%
Non-interest income
34.56%