0.866
RevenueFr B
1.025
1.065
1.062
1.101
1.103
1.132
1.173
1.198
1.230
1.275
0.967
2.93%
2.26%
41
20.46
Revenue growth%
7.14
5.60
6.65
6.97
9.74
12.34
9.43
9.67
11.99
9.76
24.75
9.76
9.55
71
10.70
NIM%
5.39
6.44
4.75
4.63
4.77
3.28
1.90
3.76
1.35
2.54
29.64
2.54
4.19
34
29.76
Effic. R.%
22.49
24.87
22.24
22.44
22.08
25.01
22.78
21.75
21.81
22.86
28.43
22.78
22.46
72
19.80
Net margin%
26.77
25.03
25.25
23.28
24.11
24.87
26.26
28.81
29.57
29.43
29.88
28.81
25.76
12
21.09
P/E ratio (avg)x
15.37
15.25
14.97
16.57
17.44
18.06
16.52
16.01
16.71
17.91
15.29
16.71
16.55
68
11.99
P/TBVx
16.27
17.92
19.80
18.66
18.07
18.55
19.74
19.73
21.68
23.01
25.55
19.74
19.19
10
9.006
P/Bx
35.58
40.05
41.90
41.94
44.50
46.86
52.52
51.97
52.92
52.14
20.36
52.14
45.68
72
1,209
NIIFr M
703.3
740.9
742.5
756.7
768.3
794.6
820.4
833.2
861.2
884.3
425.7
2.85%
2.14%
—
23.51
NII grth%
21.32
18.82
21.72
19.84
22.29
22.59
22.37
20.69
21.95
24.29
27.58
22.37
21.83
66
9.20
ROTE%
19.01
18.23
16.01
15.78
17.69
18.63
17.05
18.09
19.24
18.68
2.11
18.63
18.16
17
15.17
Return on equity%
7.04
5.66
7.27
5.37
4.43
2.08
1.37
1.33
1.85
1.00
17.70
1.37
3.25
43
17.51
Return on assets%
12.35
13.52
11.17
13.35
15.62
14.90
17.11
17.15
15.32
15.84
7.28
15.84
15.11
32
3.07
EPSFr
5.15
4.98
4.65
5.12
5.77
5.62
5.22
5.16
5.76
6.35
3.35
1.93%
2.01%
—
7.55
EPS growth%
15.07
17.74
18.21
20.22
18.59
18.81
18.74
16.12
17.12
19.36
23.53
18.74
18.40
50
3.47
Bookvalue per shFr
5.27
5.06
5.61
6.60
7.59
7.63
8.91
10.20
10.47
11.41
1.27
8.51%
9.69%
—
1.97
TBV/shFr
1.55
1.79
2.09
2.00
2.09
2.07
2.19
2.13
2.30
2.69
3.31
5.18%
6.56%
—
2.46
Dividend per shFr
6.74
7.64
7.95
9.05
9.53
10.43
11.68
12.54
12.74
13.30
1.66
6.90%
7.01%
—
11.48
Div yield (avg)%
25.89
24.58
23.88
21.43
18.51
19.48
21.14
20.15
19.94
20.59
23.55
20.15
20.86
83
19.77
Payout ratio%
28.71
28.72
26.97
27.77
30.50
30.76
29.59
26.62
24.00
26.68
2.66
26.68
28.24
12
69.10
Shares (diluted)M
74.80
67.56
61.07
57.10
52.08
52.98
55.60
54.99
57.15
63.96
72.45
4.20%
(0.48%)
74
29.05
Buyback yield%
25.75
25.26
23.70
26.47
28.16
26.65
25.45
27.40
28.76
30.73
13.95
27.40
26.56
46
139.33
Eq/Assets%
81.92
76.63
86.25
90.77
99.54
108.88
111.47
107.90
123.28
138.00
85.79
111.47
103.72
33
0.522
AssetsFr B
0.500
0.551
0.566
0.611
0.655
0.713
0.805
0.848
0.933
1.032
0.371
9.51%
8.59%
23
437.3
LT debtFr M
365.9
416.3
481.2
522.9
601.6
701.4
662.1
661.0
704.2
813.6
98.48
6.23%
7.96%
11
Non-interest expense
2.26%
1.00×
Net interest income
69.38%
Non-interest income
30.62%