1.474
RevenueQR B
7.373
7.443
7.604
7.541
7.377
7.301
7.224
7.406
7.324
7.190
1.646
(0.51%)
(0.17%)
59
11.05
Revenue growth%
12.08
12.76
14.34
17.25
17.72
18.33
21.27
20.10
20.56
18.94
24.73
20.10
18.03
41
28.21
NIM%
25.85
27.84
28.76
27.09
26.20
29.03
32.01
33.17
32.48
32.74
14.44
32.48
28.90
64
26.37
Effic. R.%
17.03
14.50
16.70
15.06
13.26
14.83
13.65
13.49
16.18
14.50
6.20
14.50
14.67
49
16.05
Net margin%
22.88
25.51
27.20
24.40
27.24
29.77
31.68
31.99
30.94
31.11
2.64
31.11
28.51
71
13.33
P/E ratio (avg)x
16.80
17.73
16.05
14.52
14.87
16.44
16.18
15.28
14.86
15.43
34.75
15.43
15.74
60
37.68
P/TBVx
8.795
8.989
8.377
8.899
7.788
7.122
6.328
6.129
5.882
5.165
18.56
6.129
7.455
19
19.19
P/Bx
23.87
21.97
23.36
25.61
24.67
25.29
26.70
23.82
22.24
23.99
19.63
23.99
23.93
75
5.080
NIIQR B
5.140
5.298
5.322
5.321
5.203
5.100
5.040
5.184
5.160
5.009
4.855
(0.76%)
(0.18%)
—
9.75
NII grth%
18.71
19.92
21.65
23.25
25.26
26.63
26.23
29.18
32.09
34.90
14.98
29.18
25.75
41
29.45
ROTE%
4.19
2.40
3.36
5.26
5.84
8.34
9.17
11.68
11.56
13.45
9.83
11.56
7.09
72
29.37
Return on equity%
18.56
18.38
19.21
18.75
19.59
17.98
16.13
14.26
15.19
14.95
26.92
15.19
18.18
52
27.47
Return on assets%
21.49
21.07
18.88
20.31
22.81
24.91
23.29
23.45
25.36
26.99
22.64
24.91
23.05
57
0.17
EPSQR
0.03
0.03
0.02
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.18
(0.70%)
(0.42%)
—
20.30
EPS growth%
21.12
23.21
23.11
22.66
23.41
21.44
22.40
23.23
22.32
25.09
25.32
22.40
22.89
69
0.09
Bookvalue per shQR
0.12
0.11
0.12
0.12
0.13
0.13
0.14
0.15
0.13
0.11
0.17
(3.24%)
(0.87%)
—
0.07
TBV/shQR
0.25
0.26
0.25
0.27
0.31
0.33
0.32
0.35
0.39
0.39
0.19
4.48%
4.14%
—
0.04
Dividend per shQR
0.18
0.17
0.18
0.20
0.19
0.20
0.22
0.19
0.20
0.21
0.25
1.88%
0.37%
—
26.36
Div yield (avg)%
29.03
26.86
26.07
23.86
21.35
18.98
21.45
21.83
22.42
22.15
4.91
21.83
22.29
32
13.96
Payout ratio%
5.04
4.25
6.05
8.36
10.16
7.45
8.42
8.54
6.81
8.08
25.76
8.08
7.76
77
9.340
Shares (diluted)B
9.408
10.15
9.895
10.41
9.693
9.716
10.64
10.55
10.68
11.40
9.247
3.30%
1.57%
55
3.43
Buyback yield%
3.74
5.31
2.49
4.58
4.25
3.21
3.21
3.86
4.46
2.29
11.98
3.21
3.80
75
112.98
Eq/Assets%
97.59
103.04
106.03
108.91
107.05
95.94
99.09
107.93
99.32
89.69
176.26
99.09
101.18
74
2.266
AssetsQR B
6.853
7.415
8.015
8.389
9.179
10.10
11.12
11.80
12.69
14.28
1.108
9.24%
8.62%
58
6.117
LT debtQR B
2.009
2.078
1.914
1.932
1.958
1.798
2.067
2.199
2.249
2.510
2.922
5.09%
1.86%
79
Non-interest expense
(0.19%)
1.00×
Net interest income
69.66%
Non-interest income
30.34%