2.703
RevenueQR B
2.171
2.299
2.382
2.581
2.783
2.926
3.142
3.296
3.426
3.591
2.920
5.23%
5.77%
32
29.23
Revenue growth%
5.12
6.40
7.23
9.74
7.99
6.78
5.86
5.58
4.01
5.09
22.20
5.58
6.13
14
24.88
NIM%
11.21
8.54
9.10
8.84
10.20
10.84
12.70
15.25
15.51
14.76
19.93
14.76
11.03
60
10.19
Effic. R.%
17.82
17.11
19.13
16.70
14.67
17.65
17.11
14.85
15.62
17.55
26.44
17.11
17.11
60
11.63
Net margin%
17.42
18.28
19.14
19.39
16.98
18.64
15.98
17.19
18.92
21.37
15.85
18.64
18.46
30
30.20
P/E ratio (avg)x
7.614
8.216
8.140
8.296
7.846
7.056
7.679
7.731
8.214
7.486
7.397
7.679
7.788
64
20.04
P/TBVx
11.22
11.24
11.46
10.91
11.84
10.12
9.602
8.627
8.327
8.388
37.82
8.627
10.51
90
17.20
P/Bx
41.33
46.34
49.15
50.25
47.83
51.10
51.74
48.16
46.53
49.14
10.20
49.14
48.65
65
1.432
NIIQR B
1.194
1.252
1.318
1.413
1.553
1.609
1.729
1.822
1.869
1.956
0.914
4.72%
5.66%
—
12.59
NII grth%
30.28
28.81
27.55
28.04
28.69
31.11
31.65
28.68
28.82
30.00
15.79
30.00
28.82
82
21.37
ROTE%
17.78
16.70
17.75
18.52
17.38
16.49
17.98
17.30
19.59
21.37
9.16
17.98
17.77
22
6.27
Return on equity%
10.61
9.41
6.44
6.48
6.02
6.90
5.10
6.48
5.00
4.38
11.27
5.10
6.46
19
24.28
Return on assets%
16.67
14.13
13.36
12.02
13.29
14.15
15.64
15.44
16.20
18.35
19.50
15.64
14.80
87
0.54
EPSQR
1.02
0.95
0.90
0.96
0.89
0.79
0.79
0.77
0.68
0.61
0.60
(7.17%)
(5.66%)
—
19.51
EPS growth%
19.90
22.34
24.51
23.77
25.62
26.71
24.73
21.78
22.43
24.26
13.41
24.26
24.02
40
1.01
Bookvalue per shQR
0.97
1.04
1.20
1.32
1.32
1.29
1.37
1.46
1.39
1.52
1.13
2.88%
5.78%
—
0.78
TBV/shQR
0.29
0.29
0.32
0.32
0.36
0.35
0.34
0.35
0.36
0.41
0.63
2.59%
3.75%
—
0.64
Dividend per shQR
1.70
1.79
2.08
2.11
2.43
2.93
3.06
3.39
3.56
3.78
0.67
9.25%
9.82%
—
18.00
Div yield (avg)%
30.46
29.53
27.59
25.35
27.82
26.33
27.26
28.23
28.75
28.42
3.17
28.23
28.03
30
11.17
Payout ratio%
11.72
12.62
12.31
14.17
11.70
10.45
11.89
12.18
11.10
9.43
27.64
11.10
11.80
95
1.529
Shares (diluted)B
2.229
2.254
2.627
2.636
2.507
2.601
2.839
3.261
3.581
4.069
1.473
10.17%
6.71%
32
13.11
Buyback yield%
10.98
11.04
8.68
6.78
4.81
5.08
5.64
4.16
1.97
1.45
18.22
4.16
5.36
12
113.86
Eq/Assets%
51.41
56.10
54.45
55.82
53.54
47.98
46.27
43.30
46.60
43.98
142.95
46.27
49.70
19
2.878
AssetsQR B
3.382
3.707
3.859
4.142
4.507
5.180
5.326
5.996
6.255
7.057
2.219
9.38%
8.77%
8
2.676
LT debtQR B
2.094
2.392
2.471
2.388
2.621
2.656
2.618
3.083
3.112
3.302
2.672
4.73%
5.81%
33
Non-interest expense
5.62%
0.99×
Net interest income
54.47%
Non-interest income
45.53%