2.112
RevenueQR B
2.830
3.082
3.363
3.602
3.764
3.931
4.200
4.436
4.828
5.172
2.261
6.56%
6.75%
78
16.43
Revenue growth%
5.26
3.60
5.39
8.36
9.85
12.74
14.03
16.74
15.91
14.75
5.06
14.75
11.30
7
17.39
NIM%
13.18
12.75
12.29
10.15
8.97
9.21
6.68
8.92
7.57
6.23
7.69
7.57
9.09
94
11.89
Effic. R.%
22.86
22.98
20.80
19.64
18.44
17.71
16.13
16.91
17.70
20.34
25.84
17.70
19.04
35
18.91
Net margin%
2.29
0.79
2.75
4.64
4.21
1.51
1.39
3.50
0.73
3.63
6.79
1.51
2.52
22
13.94
P/E ratio (avg)x
38.66
40.02
44.29
49.48
45.52
47.89
48.33
48.48
50.65
55.90
25.84
48.48
48.11
89
6.114
P/TBVx
38.19
38.61
44.27
46.80
54.03
58.37
64.92
63.06
64.29
70.85
18.61
64.29
56.20
61
18.12
P/Bx
20.79
21.58
19.65
22.54
24.36
25.88
27.40
27.84
30.90
33.26
21.08
27.84
25.12
7
2.510
NIIQR B
1.915
2.126
2.282
2.461
2.551
2.721
2.854
3.021
3.329
3.575
2.846
6.98%
6.83%
—
6.35
NII grth%
21.44
19.27
21.10
21.85
21.10
20.71
23.38
26.13
23.46
22.05
25.47
23.38
21.64
69
10.78
ROTE%
8.18
7.60
6.37
4.51
3.67
0.82
0.40
0.40
1.30
2.80
18.35
0.82
3.23
47
20.01
Return on equity%
30.72
30.18
29.22
27.57
28.49
28.81
26.58
26.38
29.28
31.15
9.68
28.81
29.01
52
8.14
Return on assets%
26.90
27.25
26.26
25.37
27.22
24.43
22.12
22.96
22.05
23.91
22.56
22.96
24.90
89
0.39
EPSQR
0.09
0.10
0.11
0.11
0.12
0.13
0.14
0.15
0.16
0.16
0.41
5.48%
5.91%
—
2.20
EPS growth%
28.33
27.53
29.51
32.18
31.72
33.67
31.20
30.10
32.06
32.26
4.22
32.06
31.46
84
0.24
Bookvalue per shQR
0.40
0.43
0.49
0.52
0.60
0.67
0.74
0.81
0.82
0.97
0.29
10.16%
9.10%
—
0.17
TBV/shQR
0.28
0.30
0.27
0.28
0.30
0.27
0.29
0.26
0.25
0.24
0.21
(4.27%)
(0.69%)
—
0.19
Dividend per shQR
0.10
0.11
0.10
0.09
0.09
0.10
0.10
0.11
0.10
0.11
0.06
2.60%
2.21%
—
2.29
Div yield (avg)%
29.02
26.25
23.86
26.79
25.97
25.83
27.94
26.45
26.54
25.72
20.71
26.45
26.35
5
11.94
Payout ratio%
31.14
28.83
26.24
28.53
27.72
27.82
28.41
27.54
27.14
29.80
8.94
27.82
28.12
31
2.521
Shares (diluted)B
2.323
2.474
2.364
2.250
2.587
2.630
2.711
2.764
2.903
3.013
2.529
3.09%
1.81%
67
23.97
Buyback yield%
21.20
19.72
17.35
19.84
16.88
16.37
15.63
13.45
11.95
12.00
28.09
13.45
16.62
84
18.56
Eq/Assets%
151.98
161.73
186.27
191.13
191.76
194.39
220.10
214.95
224.36
236.91
16.04
220.10
193.08
9
2.764
AssetsQR B
2.151
2.359
2.599
2.853
3.068
3.519
3.770
4.039
4.425
4.829
3.874
9.50%
9.21%
15
4.602
LT debtQR B
3.989
4.692
4.630
4.625
5.339
5.588
6.245
6.611
7.548
8.200
1.352
8.96%
8.17%
76
Non-interest expense
6.91%
1.01×
Net interest income
69.12%
Non-interest income
30.88%