93.69
RevenueFr M
399.6
425.8
443.3
477.3
510.0
548.7
590.2
638.3
677.6
702.1
104.3
6.60%
6.41%
68
11.40
Revenue growth%
17.70
20.69
21.77
20.64
18.26
20.96
21.15
23.72
25.56
27.19
25.29
23.72
21.05
33
10.52
NIM%
18.96
21.67
21.84
22.87
20.50
21.63
22.90
21.90
23.25
22.64
26.95
22.64
21.87
84
7.28
Effic. R.%
6.38
5.72
7.80
10.29
8.50
9.40
7.20
7.20
8.92
7.26
17.01
7.26
7.53
47
12.26
Net margin%
14.23
16.65
13.67
10.95
12.57
15.52
17.72
17.40
15.17
16.84
18.12
16.84
15.35
63
11.59
P/E ratio (avg)x
51.03
59.32
68.31
72.89
71.15
67.93
72.48
79.01
78.99
80.46
14.64
78.99
71.82
21
15.50
P/TBVx
8.013
9.306
9.263
10.15
10.19
10.53
11.17
11.14
10.76
11.22
37.01
11.14
10.36
14
11.20
P/Bx
30.30
30.63
34.42
33.96
31.76
35.19
35.01
36.32
36.42
39.39
35.08
36.32
34.71
21
66.31
NIIFr M
221.5
242.0
253.8
268.3
288.6
307.4
337.5
363.0
376.2
390.0
336.9
6.21%
6.28%
—
24.89
NII grth%
23.32
25.01
27.53
26.98
29.40
27.80
30.60
29.41
26.85
29.33
21.73
29.33
27.67
46
6.03
ROTE%
11.91
14.17
15.27
14.19
12.42
14.16
13.95
13.41
14.13
16.64
9.16
14.13
14.15
73
12.59
Return on equity%
22.07
20.26
19.68
19.78
19.79
21.35
20.90
18.58
20.34
18.36
6.08
20.34
20.02
55
25.22
Return on assets%
26.91
28.67
31.60
34.44
33.75
32.71
30.29
32.09
29.64
29.76
13.33
30.29
30.95
42
135.41
EPSFr
137.12
154.44
162.42
154.88
170.29
187.92
190.95
198.58
221.70
226.61
144.68
5.88%
4.97%
—
20.47
EPS growth%
23.89
22.23
25.06
24.62
24.44
22.65
19.91
21.97
21.74
24.10
29.28
21.97
23.27
19
193.96
Bookvalue per shFr
205.09
215.65
241.69
221.21
242.08
252.77
244.42
254.44
263.76
266.72
41.27
1.96%
1.50%
—
99.96
TBV/shFr
55.30
56.41
52.78
52.98
58.26
52.07
52.75
54.18
51.57
53.18
152.77
(1.81%)
(1.18%)
—
70.80
Dividend per shFr
39.09
38.47
43.85
44.13
44.38
43.06
43.15
40.83
40.60
45.74
177.16
0.60%
1.11%
—
4.19
Div yield (avg)%
3.33
0.40
0.93
0.40
2.31
3.81
2.03
1.19
2.04
0.40
5.59
2.03
1.61
51
7.46
Payout ratio%
22.18
23.63
21.69
19.40
19.11
17.63
16.17
13.75
11.94
13.25
21.51
13.75
18.37
66
2.187
Shares (diluted)M
2.007
2.080
2.021
2.134
2.242
2.187
2.231
2.186
2.358
2.354
2.144
0.98%
2.83%
50
14.32
Buyback yield%
18.78
16.15
13.57
12.36
15.07
13.03
10.38
7.88
7.87
5.08
10.44
7.88
12.69
48
145.21
Eq/Assets%
85.65
91.92
101.05
112.42
120.05
118.98
111.61
111.15
107.64
105.05
24.65
111.15
109.39
27
352.3
AssetsFr M
194.6
205.4
216.7
236.0
244.5
269.0
295.4
305.6
328.9
372.3
275.4
8.77%
7.84%
93
421.1
LT debtFr M
475.7
479.6
445.9
433.5
438.9
446.2
453.4
415.5
415.0
417.7
224.7
(0.98%)
(2.29%)
57
Non-interest expense
6.17%
0.98×
Net interest income
55.56%
Non-interest income
44.44%
Return on capital
111.63%
Spread over hurdle
110.04%