0.360
RevenueQR B
1.011
1.006
1.019
1.041
1.076
1.114
1.139
1.132
1.160
1.184
0.388
1.92%
1.75%
22
27.32
Revenue growth%
23.41
23.25
25.50
25.44
26.76
24.71
25.56
23.99
23.70
24.14
4.06
24.14
24.43
6
4.64
NIM%
27.08
25.03
22.57
20.65
18.99
19.68
16.80
16.17
18.76
20.24
15.71
18.76
19.96
9
15.68
Effic. R.%
7.07
7.19
10.01
12.26
11.72
10.65
13.07
10.73
12.80
12.28
2.71
12.28
11.23
62
9.37
Net margin%
8.37
10.89
10.48
8.17
10.41
8.70
5.90
4.78
2.33
4.05
8.21
4.78
8.27
72
16.55
P/E ratio (avg)x
9.473
10.11
11.06
11.29
11.97
12.48
14.88
16.93
19.72
22.53
26.45
16.93
12.22
45
28.84
P/TBVx
35.87
35.88
35.51
37.55
37.29
37.91
36.61
39.46
41.64
41.69
26.35
39.46
37.42
9
22.50
P/Bx
36.29
35.72
36.61
36.43
37.54
38.72
44.88
51.09
56.52
65.48
12.39
51.09
38.13
51
584.9
NIIQR M
673.5
671.7
688.2
691.2
721.7
745.0
764.5
763.7
786.7
802.2
365.3
2.14%
1.96%
—
20.67
NII grth%
0.40
0.40
0.40
0.40
0.40
0.40
0.49
2.68
0.48
0.40
18.47
0.48
0.40
37
10.94
ROTE%
28.60
27.80
25.32
28.08
30.75
31.62
30.55
29.78
26.87
27.74
27.46
29.78
28.34
62
15.95
Return on equity%
27.80
29.26
28.14
30.14
31.95
29.73
30.74
32.94
34.45
34.69
21.41
32.94
30.44
85
3.59
Return on assets%
10.62
13.29
15.68
16.72
18.38
16.14
14.96
17.89
16.03
17.88
18.38
16.14
16.08
78
0.21
EPSQR
0.19
0.19
0.22
0.24
0.23
0.22
0.23
0.26
0.31
0.30
0.22
6.03%
5.53%
—
16.16
EPS growth%
27.12
29.14
27.57
26.94
24.85
22.07
24.11
25.85
27.28
29.83
9.20
25.85
27.03
85
0.34
Bookvalue per shQR
0.42
0.50
0.49
0.57
0.69
0.69
0.69
0.74
0.74
0.81
0.05
3.26%
8.55%
—
0.14
TBV/shQR
0.09
0.09
0.08
0.07
0.07
0.07
0.07
0.06
0.06
0.06
0.35
(4.33%)
(5.13%)
—
0.30
Dividend per shQR
0.29
0.30
0.28
0.29
0.31
0.32
0.31
0.30
0.32
0.30
0.10
(0.51%)
1.35%
—
21.03
Div yield (avg)%
0.40
0.40
0.40
0.40
1.21
1.77
2.19
1.92
2.01
0.42
18.89
1.92
0.82
54
5.92
Payout ratio%
22.23
20.40
17.80
19.65
18.22
19.70
19.81
21.97
19.09
19.00
24.84
19.70
19.67
39
1.153
Shares (diluted)B
1.428
1.371
1.453
1.660
1.885
2.024
2.255
2.464
2.322
2.329
1.146
4.32%
4.96%
32
14.37
Buyback yield%
17.91
17.02
19.59
21.35
20.76
21.29
23.06
24.66
26.19
27.40
14.29
24.66
21.32
8
70.97
Eq/Assets%
107.48
110.30
126.59
140.09
157.26
176.45
195.52
195.77
197.83
197.41
122.84
195.77
166.85
59
0.168
AssetsQR B
2.296
2.505
2.660
2.830
3.022
3.261
3.460
3.894
4.212
4.732
0.543
9.38%
8.30%
17
0.155
LT debtQR B
1.468
1.455
1.549
1.806
1.969
2.334
2.433
2.956
3.087
3.497
0.121
12.18%
9.61%
18
Non-interest expense
2.07%
1.03×
Net interest income
67.78%
Non-interest income
32.22%