0.654
RevenueFr B
0.743
0.762
0.795
0.832
0.883
0.921
0.971
0.990
1.010
1.041
0.699
3.33%
3.94%
58
23.71
Revenue growth%
32.11
34.39
35.91
38.61
37.09
36.02
36.41
33.84
35.88
35.55
23.60
35.88
35.89
29
28.43
NIM%
8.06
9.33
9.54
6.62
6.58
9.08
6.19
5.33
3.00
1.43
7.64
5.33
6.60
56
27.37
Effic. R.%
27.38
24.38
23.98
26.75
26.57
28.60
30.91
32.97
34.16
32.86
3.77
32.86
27.99
74
10.72
Net margin%
8.14
7.93
7.68
5.79
7.23
5.89
5.47
3.04
5.95
4.85
15.99
5.47
5.92
25
6.117
P/E ratio (avg)x
34.54
33.89
39.46
40.61
47.58
56.65
59.01
60.73
62.90
73.21
34.74
60.73
52.12
72
23.34
P/TBVx
32.07
31.65
29.18
30.13
31.07
32.36
29.33
27.80
28.36
30.12
21.43
29.33
30.13
34
14.31
P/Bx
12.70
13.48
14.71
13.12
12.24
12.74
13.08
13.79
14.82
14.71
28.36
13.79
13.30
83
529.1
NIIFr M
561.0
570.1
597.6
628.6
669.9
690.9
737.1
742.2
757.6
788.7
333.6
3.32%
4.05%
—
28.41
NII grth%
9.88
11.38
11.84
9.25
9.23
11.84
9.16
10.59
9.44
11.05
12.69
10.59
10.23
14
27.94
ROTE%
27.84
29.89
28.63
29.72
31.48
32.95
33.38
31.19
29.83
30.08
27.04
31.19
29.99
76
19.19
Return on equity%
6.57
5.24
5.82
3.58
6.21
8.08
10.10
8.23
7.51
7.71
4.30
8.08
7.04
91
4.41
Return on assets%
13.71
14.96
16.95
17.58
20.47
19.53
17.74
17.10
19.11
19.63
17.42
19.11
17.66
16
7.67
EPSFr
19.86
19.00
19.24
19.72
22.42
24.18
24.97
27.18
26.76
30.49
8.13
6.35%
4.70%
—
11.43
EPS growth%
17.53
18.24
18.14
19.98
20.11
18.65
19.10
20.92
18.68
18.43
4.07
18.68
18.67
79
9.98
Bookvalue per shFr
7.74
7.57
6.97
6.83
6.43
6.42
6.66
6.04
6.41
5.89
15.64
(1.74%)
(2.57%)
—
13.79
TBV/shFr
7.71
7.72
8.42
9.44
10.32
11.13
11.54
11.52
10.78
10.27
10.89
(0.10%)
3.03%
—
5.13
Dividend per shFr
10.09
9.96
9.00
8.64
8.85
9.47
8.93
9.78
9.06
9.80
7.85
2.06%
0.95%
—
7.18
Div yield (avg)%
17.64
16.84
15.31
18.28
20.26
20.05
20.53
23.10
22.94
25.59
2.26
22.94
20.15
54
9.60
Payout ratio%
20.28
22.72
22.49
23.55
21.35
18.72
15.82
14.87
16.21
14.06
24.98
15.82
19.50
80
41.04
Shares (diluted)M
66.23
66.63
70.79
69.71
69.09
77.19
90.99
109.3
124.0
134.6
42.15
14.26%
7.77%
74
17.96
Buyback yield%
21.91
23.40
25.73
23.42
25.15
27.55
25.43
24.33
25.08
26.30
23.06
25.43
25.12
53
117.41
Eq/Assets%
50.77
43.00
45.25
45.64
42.61
38.89
34.12
29.38
31.43
29.06
132.48
31.43
40.75
37
0.733
AssetsFr B
3.705
4.100
4.386
4.787
5.103
5.411
5.985
6.341
6.602
7.301
0.634
7.43%
7.61%
72
0.131
LT debtFr B
0.794
0.896
0.931
1.071
1.100
1.039
1.006
0.977
0.975
1.128
0.825
0.51%
4.49%
94
Non-interest expense
3.86%
0.99×
Net interest income
75.80%
Non-interest income
24.20%