0.448
RevenueS/B
1.263
1.294
1.320
1.332
1.355
1.405
1.438
1.497
1.572
1.575
0.492
3.06%
2.58%
27
9.27
Revenue growth%
9.17
8.02
6.23
7.39
7.10
9.09
7.95
9.03
8.99
11.68
7.81
9.03
8.51
45
29.97
NIM%
22.35
21.38
22.21
20.79
23.42
24.37
25.66
23.62
22.40
21.67
11.39
23.62
22.37
48
23.42
Effic. R.%
30.06
28.25
27.01
29.46
29.24
28.86
30.72
33.71
32.81
30.93
9.76
30.93
29.76
89
5.87
Net margin%
27.24
26.92
26.78
25.96
28.45
28.21
26.92
27.49
29.15
29.16
20.59
28.21
27.37
7
30.60
P/E ratio (avg)x
32.85
31.73
33.97
33.86
37.99
42.31
42.50
47.91
47.97
55.97
11.92
47.91
40.15
43
9.807
P/TBVx
6.666
6.662
5.850
5.127
5.171
5.192
5.173
5.263
5.165
5.324
22.35
5.192
5.228
14
24.00
P/Bx
38.09
38.42
35.87
34.13
35.84
34.24
39.67
40.95
44.17
41.92
31.53
40.95
38.26
10
0.338
NIIS/B
0.878
0.893
0.921
0.918
0.936
0.985
0.998
1.052
1.096
1.096
0.289
3.20%
2.71%
—
16.44
NII grth%
31.06
33.97
33.22
33.47
32.78
33.13
30.56
33.30
30.54
28.64
17.15
30.56
32.96
76
24.75
ROTE%
19.80
19.79
21.25
20.48
19.74
21.73
23.31
23.71
21.44
19.71
26.84
21.73
20.86
13
9.89
Return on equity%
19.97
22.51
21.37
22.66
22.61
21.32
20.56
22.97
22.56
21.48
24.20
21.48
22.00
48
27.15
Return on assets%
3.54
0.90
0.95
1.78
4.63
5.13
6.63
5.87
3.60
5.87
10.05
5.87
4.11
6
2.35
EPSS/
4.51
4.62
4.67
4.54
4.90
4.77
5.18
5.50
5.68
5.24
2.47
1.34%
1.01%
—
13.96
EPS growth%
29.10
31.78
30.92
32.85
35.01
34.47
36.66
37.56
38.11
40.11
12.65
37.56
34.74
12
3.04
Bookvalue per shS/
3.54
3.80
4.12
4.07
4.52
4.64
5.11
4.69
4.67
5.04
2.81
2.22%
3.99%
—
4.05
TBV/shS/
3.02
3.03
3.36
3.58
3.76
4.18
4.74
4.58
4.32
4.56
1.35
3.90%
3.53%
—
1.63
Dividend per shS/
3.46
3.75
4.16
4.47
5.32
5.35
5.36
5.27
5.04
5.04
4.66
(1.08%)
5.55%
—
26.75
Div yield (avg)%
10.96
10.26
11.43
9.24
8.29
8.78
9.86
12.11
10.30
9.57
24.72
9.86
10.06
53
24.23
Payout ratio%
13.76
11.00
8.23
6.26
5.40
7.42
9.40
7.53
8.83
6.27
22.45
7.53
7.88
7
113.2
Shares (diluted)M
138.3
162.5
161.1
189.1
228.6
228.9
253.3
260.6
283.9
320.0
115.4
6.96%
8.54%
68
27.04
Buyback yield%
32.32
31.08
28.57
26.33
25.76
28.09
28.56
26.61
24.25
25.05
24.12
26.61
27.35
10
152.53
Eq/Assets%
18.90
19.90
20.73
21.63
22.68
25.31
26.86
29.60
29.98
30.62
46.75
29.60
24.00
37
0.893
AssetsS/B
3.285
3.493
3.900
4.017
4.448
4.771
5.112
5.444
6.002
6.240
0.135
7.00%
7.42%
11
0.609
LT debtS/B
0.988
1.096
1.100
1.244
1.255
1.461
1.522
1.742
1.821
2.000
0.391
9.78%
8.80%
58
Total assets
S/6.240B
7.42%
1.59×
Revenue
S/1.575B
2.58%
1.00×
Non-interest expense
S/742.9M
2.25%
0.97×
Net interest income
69.53%
Non-interest income
30.47%