1.610
RevenueQR B
3.190
3.313
3.321
3.403
3.534
3.628
3.645
3.806
3.878
4.060
1.762
2.82%
2.52%
22
29.89
Revenue growth%
18.13
15.16
18.03
17.81
15.68
17.40
17.49
20.06
17.74
16.24
14.11
17.49
17.62
63
14.84
NIM%
26.31
28.10
28.52
28.23
28.10
26.37
29.35
31.26
29.09
29.98
29.07
29.35
28.38
10
12.79
Effic. R.%
24.55
21.86
21.73
19.29
19.68
18.72
19.98
21.14
20.51
22.40
22.93
20.51
20.83
7
16.92
Net margin%
19.99
20.39
21.99
23.31
20.44
23.28
20.33
20.15
21.51
22.11
11.05
21.51
20.98
67
19.94
P/E ratio (avg)x
51.68
53.25
63.74
62.78
71.33
77.15
92.16
89.07
102.1
112.3
36.30
92.16
74.24
81
11.87
P/TBVx
13.10
14.49
15.75
16.61
16.24
18.92
19.36
22.41
26.05
24.90
22.92
22.41
17.77
47
27.72
P/Bx
30.21
29.68
30.54
28.58
24.92
23.20
20.38
22.09
21.98
22.17
20.08
22.09
24.06
47
2.733
NIIQR B
1.904
2.023
2.043
2.053
2.113
2.185
2.182
2.303
2.369
2.442
2.195
2.94%
2.31%
—
17.05
NII grth%
13.51
14.44
15.60
12.61
11.77
14.14
12.02
11.72
11.56
12.72
19.24
12.02
12.67
13
21.27
ROTE%
11.82
14.08
11.78
13.32
15.65
15.94
17.18
19.26
17.13
15.40
19.57
17.13
15.52
84
27.62
Return on equity%
17.28
16.28
16.77
16.84
16.82
18.04
16.10
18.36
19.18
17.91
16.18
18.04
17.06
75
27.01
Return on assets%
8.31
8.55
10.00
12.97
12.88
11.02
12.24
11.75
12.94
14.61
6.73
12.24
12.00
55
0.24
EPSQR
0.56
0.62
0.73
0.85
0.86
1.01
0.99
1.11
1.31
1.49
0.26
11.61%
11.68%
—
14.58
EPS growth%
22.00
24.50
27.40
25.23
26.26
26.90
26.05
26.13
26.02
27.40
5.79
26.13
26.09
19
0.63
Bookvalue per shQR
0.59
0.66
0.69
0.79
0.82
0.87
0.94
1.00
1.10
1.09
0.22
5.73%
5.85%
—
0.46
TBV/shQR
0.63
0.65
0.58
0.51
0.46
0.47
0.47
0.44
0.48
0.42
0.49
(1.77%)
(3.61%)
—
0.38
Dividend per shQR
0.84
0.98
1.07
1.16
1.35
1.27
1.23
1.34
1.46
1.50
0.53
2.23%
6.63%
—
4.66
Div yield (avg)%
9.17
10.92
11.10
9.52
7.18
6.28
4.16
6.22
5.06
3.11
28.69
5.06
6.73
54
11.03
Payout ratio%
16.45
13.82
12.73
10.33
12.16
13.08
12.66
14.03
14.67
15.30
25.16
14.03
13.45
92
4.026
Shares (diluted)B
6.209
6.074
6.076
7.191
7.029
8.444
9.782
9.890
10.27
10.08
3.950
7.48%
6.90%
63
9.39
Buyback yield%
21.15
22.03
20.86
23.69
22.97
21.52
21.60
21.03
18.15
15.99
19.89
21.03
21.33
16
61.70
Eq/Assets%
101.32
100.00
110.67
120.84
137.09
156.67
169.63
164.20
161.92
160.15
118.99
161.92
146.88
41
3.052
AssetsQR B
6.078
6.511
7.133
7.464
7.823
8.867
9.493
10.22
11.23
11.79
2.545
8.56%
8.24%
84
0.697
LT debtQR B
1.507
1.301
1.243
1.069
1.157
1.045
0.996
1.071
1.090
0.949
1.333
(3.89%)
(4.72%)
91
Non-interest expense
2.28%
0.98×
Net interest income
60.14%
Non-interest income
39.86%
Spread over hurdle
27.65%