1.860
RevenueFr B
0.810
0.884
0.964
1.042
1.143
1.213
1.294
1.376
1.466
1.590
2.052
6.83%
7.72%
73
29.30
Revenue growth%
13.94
15.52
13.66
15.45
17.14
17.16
18.02
17.92
20.11
17.94
27.43
17.94
17.15
53
9.10
NIM%
12.45
14.05
11.71
11.85
8.91
10.69
12.40
10.37
8.96
11.17
19.43
10.69
11.44
37
29.16
Effic. R.%
17.27
18.35
17.28
15.12
17.69
14.78
16.52
15.18
12.88
14.07
27.38
14.78
15.85
31
3.71
Net margin%
23.73
24.55
23.12
23.85
23.76
22.69
21.46
21.31
20.62
18.21
29.94
21.31
22.91
23
12.93
P/E ratio (avg)x
30.25
30.91
32.32
29.54
30.13
28.39
30.57
33.45
33.23
30.79
35.75
30.79
30.68
94
24.05
P/TBVx
20.27
20.26
20.85
20.45
23.14
26.41
28.09
28.09
32.51
34.32
15.41
28.09
24.77
62
25.79
P/Bx
8.868
7.909
8.101
7.626
7.421
7.150
7.298
6.715
6.400
6.203
32.71
6.715
7.360
40
1,266
NIIFr M
481.8
538.0
583.9
629.0
692.8
734.6
771.9
836.7
898.0
967.8
188.8
6.92%
7.76%
—
20.21
NII grth%
20.70
23.16
23.10
20.31
19.63
19.21
17.04
17.01
19.53
19.33
25.19
19.21
19.58
74
17.28
ROTE%
12.19
11.88
8.98
11.96
11.40
10.67
12.83
10.24
10.33
9.43
16.74
10.33
11.03
83
9.55
Return on equity%
9.54
7.51
5.41
4.65
6.06
5.60
5.74
7.50
5.55
7.31
21.30
5.74
5.90
87
29.43
Return on assets%
8.04
6.24
5.14
5.02
7.03
4.81
2.79
3.70
3.68
0.72
12.88
3.68
4.91
33
9.97
EPSFr
11.85
12.56
11.19
10.92
11.75
11.28
10.67
9.49
8.77
8.91
10.39
(5.38%)
(3.55%)
—
6.34
EPS growth%
18.95
16.05
18.63
21.30
18.60
15.65
14.68
16.88
17.78
16.32
13.38
16.32
17.33
27
12.30
Bookvalue per shFr
21.87
20.45
20.48
23.46
21.50
22.58
25.93
27.66
25.57
26.56
3.10
4.31%
2.95%
—
18.22
TBV/shFr
26.87
31.33
34.79
33.77
36.30
40.32
40.14
41.98
46.42
47.80
13.71
5.66%
7.31%
—
5.24
Dividend per shFr
13.95
13.24
13.26
12.37
12.89
14.17
12.78
11.56
10.92
10.08
12.96
(4.80%)
(3.49%)
—
9.15
Div yield (avg)%
14.43
12.63
12.66
14.38
16.46
16.51
14.30
13.34
10.91
9.76
28.10
13.34
13.82
48
24.98
Payout ratio%
8.90
5.94
7.67
5.50
3.33
3.62
2.34
2.54
3.70
5.02
11.06
3.62
4.36
28
85.02
Shares (diluted)M
123.7
131.3
157.1
175.1
174.5
187.8
206.1
211.7
219.5
249.3
85.00
7.39%
7.18%
53
27.25
Buyback yield%
12.82
10.21
12.57
15.32
15.35
13.08
12.52
12.15
14.35
11.97
18.63
12.52
12.70
44
174.64
Eq/Assets%
44.45
48.38
45.36
48.80
44.86
39.95
40.96
36.38
40.23
36.53
11.41
39.95
42.71
66
0.906
AssetsFr B
3.018
3.370
3.453
3.853
4.278
4.720
5.114
5.605
6.044
6.400
1.364
8.39%
8.92%
67
1.137
LT debtFr B
0.972
1.117
1.120
1.215
1.330
1.224
1.360
1.324
1.367
1.398
1.658
1.00%
4.68%
38
Non-interest expense
7.76%
1.00×
Net interest income
60.86%
Non-interest income
39.14%