2.663
RevenueQR B
12.78
13.45
14.01
14.78
15.35
15.76
16.36
16.66
16.93
17.48
2.911
2.63%
3.69%
90
7.07
Revenue growth%
23.19
20.41
18.55
16.38
17.91
15.00
17.86
20.10
22.58
22.88
19.55
20.10
19.33
12
9.54
NIM%
23.19
25.97
26.64
28.12
27.59
27.52
25.32
22.34
22.62
25.11
9.63
25.11
25.64
73
7.20
Effic. R.%
23.07
23.50
23.71
22.08
22.87
21.93
22.66
22.52
19.69
16.72
29.32
21.93
22.59
12
26.77
Net margin%
19.55
22.53
24.03
22.29
25.12
28.06
27.99
28.36
30.93
30.68
4.98
28.36
26.56
78
23.07
P/E ratio (avg)x
49.69
50.45
59.25
59.29
69.68
78.41
75.14
80.64
78.81
89.54
16.15
78.81
72.41
79
21.77
P/TBVx
14.45
15.47
15.66
17.66
17.77
21.12
23.50
26.53
31.63
32.20
27.73
26.53
19.44
64
23.84
P/Bx
12.77
12.42
11.51
11.05
12.12
11.53
10.60
10.20
10.13
10.82
22.05
10.60
11.28
88
22.77
NIIQR B
7.420
7.935
8.117
8.635
8.843
9.279
9.650
9.823
9.917
10.32
2.363
3.13%
4.00%
—
15.73
NII grth%
25.54
23.78
25.34
27.63
30.47
28.15
28.17
27.28
29.65
26.99
27.98
28.15
27.45
85
15.67
ROTE%
7.44
7.97
10.56
11.60
12.76
14.11
13.54
15.25
12.77
11.70
6.29
13.54
12.23
82
23.74
Return on equity%
25.00
24.47
25.92
23.17
24.15
25.07
23.66
22.49
20.51
22.57
3.35
22.57
23.91
51
29.18
Return on assets%
29.26
26.71
26.16
24.75
21.89
24.33
23.95
22.79
20.40
20.43
9.84
22.79
24.14
95
2.00
EPSQR
0.97
1.05
0.98
1.00
0.95
1.06
1.08
1.05
1.08
1.12
2.06
3.22%
1.24%
—
24.98
EPS growth%
0.40
3.06
5.75
6.35
3.77
1.61
1.91
4.15
6.85
4.93
5.86
4.15
3.96
77
1.44
Bookvalue per shQR
2.74
2.78
2.79
3.22
3.24
3.24
3.50
3.74
3.79
4.47
1.10
6.63%
6.22%
—
1.49
TBV/shQR
1.55
1.81
1.73
1.85
2.14
2.20
2.41
2.38
2.25
2.16
1.41
0.17%
3.21%
—
1.29
Dividend per shQR
0.83
0.85
0.85
0.90
0.86
0.85
0.92
0.87
0.92
0.85
1.54
(0.09%)
0.63%
—
21.96
Div yield (avg)%
2.88
5.31
5.67
5.57
6.52
3.75
4.78
4.03
1.27
0.67
7.01
3.75
4.41
81
22.95
Payout ratio%
18.24
17.69
15.00
13.85
14.32
12.33
9.91
6.94
5.41
4.21
13.14
6.94
13.09
37
2.354
Shares (diluted)B
3.690
4.334
4.394
5.206
5.920
5.764
6.863
7.479
8.841
8.800
2.396
8.25%
10.76%
45
7.38
Buyback yield%
11.91
10.37
10.76
12.62
14.65
14.51
15.13
12.66
12.81
13.80
17.85
13.80
12.74
49
119.06
Eq/Assets%
28.14
26.44
24.84
27.56
27.51
27.89
29.55
33.13
31.11
32.42
67.52
31.11
28.01
66
18.49
AssetsQR B
31.98
34.20
36.20
40.38
43.79
46.08
51.51
54.06
58.61
64.25
3.795
7.97%
8.00%
84
16.46
LT debtQR B
7.690
6.959
7.140
7.154
6.337
6.941
7.076
7.902
7.671
7.778
22.20
4.18%
(0.51%)
66
Non-interest expense
3.67%
1.00×
Net interest income
59.04%
Non-interest income
40.96%