179.3
RevenueR$M
217.2
237.1
260.7
282.3
297.6
314.1
345.9
378.9
400.7
428.5
197.6
7.57%
7.78%
46
22.14
Revenue growth%
12.70
12.61
15.44
14.90
17.20
15.06
16.61
19.29
19.63
18.73
14.59
18.73
16.02
15
21.25
NIM%
10.59
10.19
13.17
15.51
15.92
14.03
11.58
10.38
7.59
6.39
11.36
10.38
11.08
24
28.75
Effic. R.%
1.54
2.12
0.40
1.30
0.40
3.39
1.80
0.40
2.89
3.50
20.77
2.89
1.67
47
10.37
Net margin%
6.72
5.95
4.18
5.47
3.08
2.89
1.96
1.33
0.40
0.40
24.53
1.33
2.99
26
22.44
P/E ratio (avg)x
15.53
15.89
16.21
14.70
15.92
17.29
16.66
17.20
16.21
14.13
22.83
16.66
16.06
56
26.19
P/TBVx
16.00
16.49
16.41
15.73
17.03
15.82
14.38
15.22
15.91
16.33
20.60
15.82
15.95
75
9.265
P/Bx
42.81
40.06
38.11
36.30
40.32
41.47
36.78
34.89
32.12
34.43
12.45
34.89
37.45
30
203.8
NIIR$M
155.2
169.7
187.8
205.0
216.9
225.9
248.5
272.0
291.0
310.2
240.7
7.41%
7.64%
—
27.47
NII grth%
25.68
26.62
25.83
28.15
27.41
28.12
25.96
27.33
26.94
27.36
3.75
27.33
27.13
55
22.17
ROTE%
6.09
8.59
6.16
9.15
9.01
8.20
11.02
10.66
10.14
8.16
21.20
10.14
8.80
92
21.65
Return on equity%
20.31
18.47
17.51
19.94
22.71
22.84
20.97
22.51
20.47
21.00
21.47
21.00
20.72
61
11.93
Return on assets%
21.48
23.03
20.70
19.27
17.10
19.75
19.79
22.23
24.15
26.44
8.20
22.23
21.09
64
0.32
EPSR$
1.74
1.83
2.00
2.14
1.99
2.29
2.23
2.53
2.92
3.12
0.35
9.40%
6.88%
—
6.13
EPS growth%
12.69
13.67
16.41
18.99
19.11
19.91
21.97
22.57
22.77
24.41
6.74
22.57
19.51
23
0.92
Bookvalue per shR$
0.26
0.23
0.24
0.21
0.21
0.23
0.25
0.21
0.19
0.21
0.93
(0.36%)
(2.41%)
—
0.53
TBV/shR$
0.43
0.39
0.41
0.44
0.43
0.46
0.42
0.37
0.41
0.44
0.75
0.59%
1.15%
—
0.62
Dividend per shR$
1.04
0.99
0.98
1.09
1.29
1.31
1.41
1.34
1.54
1.70
0.94
5.62%
5.16%
—
27.82
Div yield (avg)%
28.06
26.40
26.44
25.97
24.85
24.05
25.52
23.78
23.46
24.21
3.93
24.05
25.19
25
20.77
Payout ratio%
3.27
2.91
4.53
4.13
1.60
0.40
1.52
0.80
3.16
3.77
5.56
1.52
3.03
57
159.7
Shares (diluted)M
304.5
341.3
373.8
382.4
378.0
377.9
385.5
402.2
442.7
509.4
156.5
6.15%
7.06%
38
5.73
Buyback yield%
13.31
10.65
8.79
6.50
9.07
8.67
11.28
12.20
14.01
14.75
27.17
12.20
10.96
69
106.23
Eq/Assets%
29.48
32.64
36.57
36.48
40.07
48.34
48.54
58.39
58.42
63.44
55.42
58.39
44.20
28
0.113
AssetsR$B
0.727
0.783
0.876
0.893
0.994
1.105
1.175
1.243
1.318
1.409
0.135
7.22%
8.04%
66
169.9
LT debtR$M
116.4
111.9
114.2
113.8
131.3
142.0
145.9
145.3
162.3
156.8
54.47
3.61%
4.48%
91
Total assets
R$1.409B
8.04%
1.02×
Revenue
R$428.5M
7.78%
1.00×
Non-interest expense
R$236.0M
7.69%
0.99×
Net interest income
72.38%
Non-interest income
27.62%