207.5
RevenueKD M
92.24
101.3
107.6
114.9
122.8
133.6
142.9
158.5
172.7
191.7
223.6
9.33%
8.63%
13
25.93
Revenue growth%
3.06
0.40
2.13
0.40
2.98
0.40
0.40
0.40
0.40
1.45
7.00
0.40
0.40
16
12.12
NIM%
7.78
9.73
6.74
5.47
4.05
5.41
2.91
0.40
0.60
0.40
21.93
0.60
4.73
64
8.38
Effic. R.%
15.44
15.38
13.77
12.56
12.56
10.97
11.41
10.53
10.09
12.04
15.39
10.97
12.30
24
15.67
Net margin%
4.20
4.82
3.03
4.76
3.09
4.39
7.09
9.12
7.56
6.25
29.71
7.09
4.79
84
7.927
P/E ratio (avg)x
30.37
29.25
33.53
33.92
33.04
39.17
39.40
39.02
43.05
41.72
25.06
39.40
36.47
48
36.94
P/TBVx
21.24
18.61
17.34
16.15
14.83
16.13
15.29
13.09
12.28
13.03
15.07
13.09
15.71
47
15.62
P/Bx
21.19
21.19
23.57
24.33
25.20
23.20
23.14
24.28
26.55
26.07
19.83
24.28
23.93
89
84.00
NIIKD M
65.18
71.85
75.10
81.67
87.70
92.84
100.2
112.5
121.5
133.5
130.1
8.76%
8.61%
—
2.97
NII grth%
10.40
10.56
9.23
11.24
13.24
16.05
15.68
17.29
14.89
11.96
24.36
15.68
12.60
32
27.10
ROTE%
30.86
33.38
34.47
36.48
35.96
37.17
36.55
36.59
35.98
37.84
12.01
36.59
36.23
31
13.43
Return on equity%
0.43
1.36
3.32
4.96
2.49
1.62
0.40
0.80
0.40
0.40
10.61
0.40
1.08
54
15.95
Return on assets%
13.99
16.49
16.59
17.19
19.28
18.33
17.05
16.39
14.42
12.19
21.73
16.39
16.54
91
0.01
EPSKD
0.03
0.03
0.03
0.04
0.04
0.05
0.05
0.06
0.05
0.07
0.01
7.98%
8.84%
—
13.98
EPS growth%
23.32
25.98
26.55
26.02
24.58
27.30
27.43
25.41
26.75
26.94
28.46
26.94
26.29
89
0.01
Bookvalue per shKD
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.01
5.00%
2.14%
—
0.03
TBV/shKD
0.03
0.03
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.05
0.02
5.02%
3.58%
—
0.01
Dividend per shKD
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.05
0.01
8.99%
7.82%
—
21.19
Div yield (avg)%
14.06
15.03
17.56
17.92
16.86
14.85
13.91
14.77
15.47
12.70
19.88
14.77
14.94
63
18.84
Payout ratio%
23.16
22.23
20.00
18.50
15.65
18.46
19.35
18.43
19.72
17.22
11.88
18.46
18.92
21
4.673
Shares (diluted)B
6.162
5.671
5.038
4.649
4.574
4.808
4.596
4.198
4.346
4.305
4.813
(1.20%)
(2.83%)
48
8.14
Buyback yield%
16.10
14.10
12.57
15.48
16.48
13.63
16.44
14.99
14.44
12.36
6.99
14.44
14.72
8
174.30
Eq/Assets%
81.21
82.43
75.99
79.16
79.84
82.28
71.08
64.74
56.73
48.82
144.18
64.74
77.57
89
0.023
AssetsKD B
0.828
0.932
1.009
1.104
1.221
1.368
1.485
1.613
1.724
1.875
0.135
8.95%
9.44%
92
66.20
LT debtKD M
341.7
373.0
428.7
419.0
416.0
432.6
479.1
481.3
543.3
555.6
226.8
5.96%
6.55%
54
Non-interest expense
8.57%
0.99×
Net interest income
69.61%
Non-interest income
30.39%