181.2
RevenueFr M
416.9
427.5
436.7
448.4
453.6
455.2
453.5
472.2
478.7
483.8
201.9
1.29%
1.56%
39
7.52
Revenue growth%
26.51
27.99
30.53
28.92
28.90
31.42
33.28
35.69
35.30
36.17
13.99
35.30
30.98
58
11.70
NIM%
23.61
22.96
21.49
18.51
16.62
19.19
19.41
17.13
17.79
19.84
10.61
19.19
19.30
64
29.85
Effic. R.%
10.13
10.91
8.28
10.75
8.64
7.98
5.02
6.72
6.08
7.21
2.32
6.72
8.13
37
13.19
Net margin%
21.30
20.36
21.89
24.25
27.24
24.99
23.21
25.32
27.86
27.83
13.91
25.32
24.62
85
18.77
P/E ratio (avg)x
45.70
47.59
55.16
60.86
60.92
58.03
58.15
62.53
69.16
73.20
12.99
62.53
59.51
94
17.88
P/TBVx
39.71
40.81
43.47
39.89
42.02
39.40
36.47
35.32
38.75
41.34
25.41
38.75
39.80
24
22.67
P/Bx
18.21
18.14
18.77
18.39
19.14
19.23
20.68
21.80
24.09
28.62
27.13
21.80
19.18
72
248.5
NIIFr M
324.6
340.3
346.1
357.6
357.9
355.9
356.5
369.0
379.5
380.8
281.6
1.25%
1.43%
—
22.65
NII grth%
33.53
35.97
33.65
31.95
29.93
28.31
31.14
33.55
35.29
36.55
9.66
33.55
33.54
87
26.52
ROTE%
16.34
16.11
15.12
17.43
20.38
20.29
17.62
15.76
16.42
14.10
15.82
16.42
16.38
50
26.64
Return on equity%
23.36
25.66
25.15
27.90
30.58
31.65
34.03
34.64
36.12
35.57
28.87
34.64
31.11
46
20.42
Return on assets%
28.09
29.52
29.20
28.93
27.79
26.01
24.69
24.04
26.02
27.25
19.37
26.01
27.52
81
2.55
EPSFr
10.21
10.19
9.94
10.80
9.86
8.52
8.93
8.67
9.10
8.85
2.71
(2.13%)
(2.09%)
—
20.46
EPS growth%
6.18
4.82
3.19
0.85
0.40
1.81
3.94
2.40
3.50
2.74
16.08
2.74
2.97
71
3.77
Bookvalue per shFr
8.93
7.95
8.78
9.54
9.44
8.58
8.02
8.44
8.27
8.83
10.39
(1.33%)
(0.96%)
—
8.40
TBV/shFr
4.91
4.65
4.74
4.56
4.84
4.81
4.82
4.77
4.52
4.81
8.19
(0.12%)
(0.09%)
—
10.42
Dividend per shFr
6.27
6.70
6.85
6.71
6.53
6.60
7.70
8.07
9.17
10.65
10.44
10.28%
6.17%
—
10.59
Div yield (avg)%
25.96
24.63
24.52
26.52
27.51
30.10
30.03
29.73
28.10
30.61
27.03
30.03
27.80
60
11.42
Payout ratio%
1.76
0.40
0.40
0.40
0.40
0.40
1.80
2.53
3.12
4.75
12.15
2.53
1.08
9
29.43
Shares (diluted)M
55.19
66.12
69.65
82.82
86.56
102.2
122.2
122.9
132.3
146.1
30.01
11.03%
10.72%
91
17.51
Buyback yield%
3.14
4.06
6.45
7.13
6.94
4.85
4.00
4.54
6.84
6.77
6.78
4.85
5.65
74
86.24
Eq/Assets%
120.29
106.02
110.30
107.98
108.56
116.60
100.73
99.31
102.21
105.85
85.11
102.21
107.00
93
460.0
AssetsFr M
119.6
124.3
137.7
153.7
165.8
176.7
193.5
211.7
231.5
256.4
426.3
9.10%
8.90%
16
478.1
LT debtFr M
205.0
217.0
201.4
191.0
175.7
156.0
159.8
172.6
177.6
171.5
505.9
(0.48%)
(0.93%)
30
Non-interest expense
1.42%
0.99×
Net interest income
78.71%
Non-interest income
21.29%
Return on capital
292.41%