2.472
RevenueQR B
8.329
8.408
8.520
8.780
8.881
8.891
9.126
9.151
9.400
9.746
2.570
1.88%
1.58%
86
19.73
Revenue growth%
0.40
0.40
0.40
0.40
1.85
1.54
1.85
2.66
1.45
0.40
2.37
1.54
0.92
82
3.25
NIM%
6.18
5.13
5.70
3.88
6.10
4.25
1.96
3.46
3.04
4.63
28.94
3.46
4.44
16
12.75
Effic. R.%
27.25
28.93
27.26
24.55
22.69
21.62
23.57
24.85
27.41
29.32
15.32
24.85
26.05
14
26.41
Net margin%
25.51
26.17
28.66
29.95
31.39
31.73
33.31
35.41
33.59
32.34
21.39
33.31
31.56
50
11.62
P/E ratio (avg)x
20.88
19.56
19.45
19.22
16.78
17.96
16.74
17.52
15.56
14.12
9.250
16.74
17.74
85
6.619
P/TBVx
41.51
40.06
48.19
46.82
50.43
60.17
66.18
65.95
71.10
72.64
26.45
66.18
55.30
55
36.87
P/Bx
21.99
23.87
27.34
27.82
26.43
28.23
30.75
31.50
32.61
34.16
29.88
31.50
28.03
47
1.230
NIIQR B
5.902
5.894
5.950
6.203
6.341
6.277
6.383
6.462
6.641
6.928
8.139
1.79%
1.64%
—
18.14
NII grth%
17.76
17.50
14.96
12.89
12.36
12.65
15.51
13.44
14.22
12.06
4.24
13.44
13.83
9
21.75
ROTE%
13.22
10.88
9.88
9.12
8.28
9.91
8.51
5.65
6.24
6.35
8.69
6.35
8.81
91
29.68
Return on equity%
11.28
11.63
9.31
11.67
14.62
13.08
15.13
13.80
13.31
13.62
28.70
13.62
13.19
44
20.10
Return on assets%
15.16
14.63
16.70
18.51
16.35
16.27
15.06
17.49
15.40
13.96
22.79
15.40
15.84
67
0.12
EPSQR
0.37
0.38
0.38
0.38
0.41
0.40
0.43
0.41
0.37
0.35
0.13
(2.96%)
(1.24%)
—
10.10
EPS growth%
15.10
13.26
11.89
9.48
8.63
5.91
8.65
7.32
6.74
8.24
19.74
7.32
8.64
67
0.13
Bookvalue per shQR
0.33
0.33
0.33
0.34
0.35
0.38
0.38
0.42
0.41
0.37
0.29
1.07%
0.38%
—
0.27
TBV/shQR
0.21
0.21
0.22
0.24
0.25
0.26
0.26
0.29
0.29
0.27
0.44
1.91%
2.97%
—
0.28
Dividend per shQR
0.19
0.21
0.22
0.22
0.24
0.25
0.24
0.23
0.21
0.19
0.27
(4.52%)
(0.66%)
—
2.23
Div yield (avg)%
15.25
15.94
13.66
12.22
13.45
12.49
11.08
9.60
9.60
10.06
4.44
10.06
12.36
43
15.40
Payout ratio%
21.98
20.96
18.73
19.90
20.07
22.32
24.70
25.44
23.17
23.05
12.75
23.17
22.15
56
5.051
Shares (diluted)B
4.822
4.943
4.468
4.804
4.842
4.456
4.972
5.056
4.753
4.555
5.183
(1.21%)
(0.71%)
12
3.67
Buyback yield%
24.21
23.07
21.82
18.84
18.61
15.94
15.47
17.53
20.50
18.26
2.78
17.53
18.72
40
33.17
Eq/Assets%
61.15
57.46
54.01
57.10
63.75
64.15
63.66
65.44
67.44
69.56
85.16
65.44
63.70
77
7.125
AssetsQR B
29.97
31.64
34.57
36.19
38.15
40.34
44.55
48.53
53.34
58.04
1.195
8.76%
7.87%
94
2.846
LT debtQR B
11.00
12.68
11.88
13.47
14.98
14.56
15.19
15.23
17.49
20.20
7.560
6.16%
6.78%
95
Non-interest expense
1.20%
0.96×
Net interest income
71.09%
Non-interest income
28.91%