1.091
RevenueQR B
1.295
1.396
1.497
1.599
1.765
1.889
2.011
2.139
2.280
2.446
1.208
6.74%
7.55%
87
27.01
Revenue growth%
24.89
22.75
23.28
23.92
26.63
25.82
23.71
24.86
23.50
24.91
27.65
24.86
24.39
55
19.82
NIM%
13.65
14.29
13.61
11.08
10.54
9.61
6.93
4.84
4.33
5.20
26.37
5.20
10.08
54
20.34
Effic. R.%
23.60
23.02
25.02
22.91
23.77
26.26
24.05
21.54
18.73
17.49
13.77
21.54
23.31
94
10.39
Net margin%
5.33
8.05
8.19
5.44
7.95
5.58
8.52
7.04
9.57
11.18
16.77
8.52
8.00
65
12.94
P/E ratio (avg)x
36.66
41.98
48.05
58.20
61.35
72.68
81.16
84.58
87.85
102.7
12.88
84.58
67.02
40
32.50
P/TBVx
43.99
41.20
45.21
49.08
48.27
54.55
57.49
62.80
61.23
57.78
36.48
57.78
51.82
14
20.23
P/Bx
16.21
18.11
18.49
20.64
21.64
21.48
24.58
25.50
26.79
27.68
18.53
25.50
21.56
8
1.085
NIIQR B
0.803
0.873
0.920
1.002
1.076
1.179
1.224
1.311
1.413
1.517
0.153
7.10%
7.65%
—
29.63
NII grth%
14.83
11.98
12.85
14.87
13.57
14.69
14.52
17.01
19.64
16.75
14.91
16.75
14.76
43
3.98
ROTE%
12.40
14.89
16.29
14.00
14.00
16.42
17.97
15.71
13.51
13.99
13.92
15.71
14.45
86
20.00
Return on equity%
21.95
23.62
21.36
23.08
23.74
24.37
21.59
22.40
23.07
22.20
13.26
22.40
22.74
70
14.16
Return on assets%
27.23
25.84
25.21
25.90
24.47
23.69
25.72
24.97
24.27
24.60
25.26
24.60
25.09
18
0.13
EPSQR
0.15
0.15
0.14
0.13
0.13
0.12
0.12
0.12
0.11
0.10
0.14
(4.46%)
(3.64%)
—
17.64
EPS growth%
26.99
27.24
24.95
25.34
23.15
25.51
26.35
27.92
27.23
29.23
5.68
27.23
26.67
17
0.18
Bookvalue per shQR
0.53
0.55
0.54
0.63
0.62
0.69
0.77
0.83
0.93
0.94
0.34
8.59%
7.31%
—
0.10
TBV/shQR
0.29
0.30
0.29
0.30
0.27
0.30
0.27
0.28
0.27
0.26
0.09
(0.36%)
(1.30%)
—
0.19
Dividend per shQR
0.30
0.26
0.26
0.27
0.29
0.27
0.24
0.22
0.20
0.22
0.09
(5.39%)
(1.99%)
—
29.07
Div yield (avg)%
20.72
22.72
21.45
19.62
19.29
16.64
17.49
18.63
18.45
19.09
4.97
18.45
19.19
23
27.89
Payout ratio%
11.44
13.30
14.92
16.41
18.25
20.74
22.87
20.95
21.58
23.89
19.91
21.58
19.49
71
3.102
Shares (diluted)B
2.111
1.924
2.064
2.080
1.988
1.896
1.700
1.812
1.638
1.524
3.175
(5.17%)
(3.45%)
61
8.49
Buyback yield%
2.17
2.63
0.40
0.40
0.40
0.40
0.40
0.40
0.72
1.66
6.72
0.40
0.40
63
156.86
Eq/Assets%
87.68
89.26
101.48
108.72
110.51
122.79
121.77
114.36
118.68
116.43
139.31
118.68
112.44
29
1.848
AssetsQR B
5.703
6.119
6.759
7.605
8.019
8.505
9.151
10.06
11.04
11.81
0.327
8.05%
8.07%
34
0.095
LT debtQR B
1.700
1.857
2.018
2.293
2.398
2.269
2.377
2.256
2.451
2.587
1.366
1.53%
5.35%
30
Non-interest expense
7.50%
1.00×
Net interest income
62.01%
Non-interest income
37.99%