291.6
RevenueR$M
176.2
191.7
202.6
216.5
230.8
245.8
269.0
285.4
303.4
328.2
306.1
7.29%
7.35%
7
8.78
Revenue growth%
6.48
3.92
2.39
1.43
0.40
0.40
2.41
4.92
5.00
6.79
7.94
4.92
3.17
8
19.07
NIM%
12.90
10.43
12.53
13.21
13.55
13.79
13.95
11.26
10.45
11.57
23.99
11.57
12.72
66
4.92
Effic. R.%
1.92
0.40
2.89
0.44
1.97
0.40
0.40
1.48
0.40
0.40
7.13
0.40
0.42
29
20.20
Net margin%
30.27
29.62
29.68
31.02
31.20
28.80
29.33
28.35
27.03
24.25
15.27
28.35
29.48
93
22.03
P/E ratio (avg)x
23.66
26.13
23.75
22.66
20.65
18.69
16.56
17.96
17.98
16.24
34.90
17.96
19.67
74
11.83
P/TBVx
49.23
49.88
58.91
58.89
68.25
74.09
83.62
84.91
92.01
97.72
21.51
84.91
71.17
78
15.39
P/Bx
21.96
23.56
26.61
28.42
27.95
28.72
31.44
29.17
26.72
28.74
10.99
28.74
28.18
74
349.9
NIIR$M
109.3
119.3
128.2
133.3
146.3
155.4
170.3
179.8
191.1
203.6
413.1
6.83%
7.40%
—
13.26
NII grth%
2.57
0.54
0.40
3.05
1.26
2.78
0.62
1.46
1.87
0.40
24.62
1.46
1.36
58
26.41
ROTE%
22.02
20.72
21.27
22.95
25.28
27.91
26.56
29.30
32.17
31.28
7.59
29.30
25.92
31
23.41
Return on equity%
5.31
6.33
5.06
7.36
10.25
12.26
10.32
7.77
10.38
8.68
25.47
10.32
8.22
20
13.52
Return on assets%
8.67
8.84
9.34
6.50
5.05
8.04
5.41
7.30
4.70
3.66
7.54
5.41
6.90
50
0.47
EPSR$
0.84
0.92
0.92
0.91
0.90
0.94
0.90
0.97
0.91
0.89
0.50
(0.28%)
1.20%
—
23.79
EPS growth%
4.80
5.63
3.30
1.27
0.40
0.94
0.40
0.50
0.40
0.57
3.52
0.50
0.76
13
0.16
Bookvalue per shR$
1.00
1.12
1.25
1.22
1.44
1.65
1.81
1.77
1.86
1.95
0.12
6.32%
7.53%
—
0.59
TBV/shR$
1.07
1.27
1.37
1.62
1.78
2.12
2.37
2.68
2.82
2.93
0.64
10.50%
11.67%
—
0.62
Dividend per shR$
0.89
0.96
0.99
0.90
0.90
0.86
0.90
0.88
0.83
0.79
0.76
(2.46%)
(0.46%)
—
13.94
Div yield (avg)%
8.64
10.52
10.31
8.87
10.40
8.65
6.84
7.43
4.70
3.98
27.59
6.84
8.65
77
27.66
Payout ratio%
19.98
22.36
23.22
23.46
22.90
25.08
26.19
28.17
28.59
28.27
4.90
28.17
24.27
24
431.5
Shares (diluted)M
400.0
386.0
338.9
297.0
258.6
248.9
267.1
286.7
245.6
218.7
447.8
(3.29%)
(6.19%)
6
9.95
Buyback yield%
16.16
14.31
13.10
11.77
11.70
13.15
12.23
13.80
11.47
14.29
19.39
13.15
13.13
47
145.36
Eq/Assets%
117.79
129.15
139.50
163.89
175.49
189.72
213.79
252.95
286.45
296.05
91.01
252.95
182.61
65
0.104
AssetsR$B
0.982
1.078
1.187
1.310
1.425
1.609
1.746
1.924
2.088
2.299
0.278
10.04%
9.81%
51
106.5
LT debtR$M
285.2
285.4
303.0
312.3
287.0
284.1
313.1
327.6
357.1
348.8
41.72
3.98%
1.71%
46
Total assets
R$2.299B
9.81%
1.25×
Revenue
R$328.2M
7.35%
1.00×
Non-interest expense
R$199.4M
7.14%
0.98×
Net interest income
62.03%
Non-interest income
37.97%