1.679
RevenueFr B
0.860
0.917
0.946
0.984
1.021
1.086
1.130
1.202
1.252
1.319
1.752
5.26%
4.98%
44
18.07
Revenue growth%
11.19
10.45
12.16
10.28
10.00
12.30
13.49
11.94
11.18
13.52
10.12
12.30
11.56
45
8.81
NIM%
29.08
26.79
27.94
30.04
32.21
33.21
33.94
32.17
31.42
28.57
5.51
32.17
30.73
45
6.99
Effic. R.%
16.74
17.30
15.59
14.91
14.91
13.34
12.60
11.43
13.04
15.94
27.17
13.04
14.91
30
25.48
Net margin%
21.22
21.37
18.67
16.45
18.06
18.26
17.89
14.97
14.58
14.32
12.76
14.97
17.98
65
7.334
P/E ratio (avg)x
31.18
29.77
33.18
33.12
36.14
37.97
38.16
37.56
38.40
34.53
30.82
37.97
35.34
86
29.24
P/TBVx
44.89
41.72
44.19
46.57
51.86
54.56
60.58
70.39
66.40
62.11
31.99
62.11
53.21
65
18.79
P/Bx
16.31
16.25
18.17
17.23
19.20
18.89
17.98
19.29
21.31
22.17
12.97
19.29
18.53
17
1.023
NIIFr B
0.599
0.632
0.658
0.677
0.720
0.766
0.779
0.827
0.876
0.912
1.299
4.83%
4.88%
—
19.94
NII grth%
22.46
20.03
17.69
17.63
18.83
21.67
18.99
16.58
16.04
16.17
10.94
16.58
18.26
67
6.73
ROTE%
32.88
31.81
30.94
31.29
33.35
31.43
32.21
30.95
28.28
28.27
15.22
30.95
31.36
26
12.75
Return on equity%
2.78
1.34
2.59
1.27
2.89
4.54
6.97
7.23
8.84
6.33
27.02
6.97
3.72
7
11.20
Return on assets%
25.65
28.18
30.19
29.48
31.90
34.35
36.43
39.01
41.73
42.52
18.98
39.01
33.12
10
42.96
EPSFr
7.26
7.96
7.33
7.35
7.58
8.32
7.58
6.84
6.31
6.02
44.11
(4.51%)
(2.20%)
—
20.39
EPS growth%
3.32
5.57
6.85
5.62
4.40
4.25
5.54
6.30
5.72
6.31
11.21
5.72
5.60
13
51.04
Bookvalue per shFr
11.75
13.82
16.29
15.77
16.44
19.00
22.44
25.27
23.95
27.79
49.25
11.06%
9.50%
—
32.24
TBV/shFr
47.14
51.40
46.70
52.96
56.44
56.17
55.40
52.97
49.80
48.66
35.01
(2.92%)
0.04%
—
48.63
Dividend per shFr
21.76
21.11
22.62
22.77
21.18
20.18
18.38
18.59
19.20
20.21
27.40
(0.93%)
(0.09%)
—
16.71
Div yield (avg)%
15.74
18.35
19.80
21.63
22.49
24.51
24.15
21.62
22.01
19.71
19.24
22.01
21.63
54
9.28
Payout ratio%
1.11
3.46
2.76
4.89
4.31
1.63
2.35
4.50
6.98
7.00
23.21
4.50
3.88
8
9.453
Shares (diluted)M
8.163
7.650
8.490
7.991
7.690
7.772
6.834
7.427
7.281
6.416
9.340
(3.56%)
(3.11%)
37
12.44
Buyback yield%
9.97
7.14
5.70
4.74
2.82
3.36
3.80
1.79
2.56
2.60
25.12
2.60
3.58
47
87.41
Eq/Assets%
16.02
18.16
16.59
18.07
19.33
17.81
19.82
21.03
20.66
19.11
93.91
19.82
18.64
11
0.332
AssetsFr B
2.417
2.559
2.855
3.077
3.367
3.521
3.824
4.198
4.701
5.085
1.725
8.60%
8.44%
60
0.405
LT debtFr B
1.925
2.111
2.389
2.648
2.783
3.123
3.179
3.154
3.695
3.638
1.622
5.50%
6.34%
65
Non-interest expense
4.70%
0.97×
Net interest income
69.12%
Non-interest income
30.88%