26.33
RevenueFr M
64.73
69.43
71.81
75.26
78.61
83.15
86.65
90.09
96.57
103.0
27.13
5.54%
5.24%
15
2.13
Revenue growth%
10.92
10.41
10.47
10.00
11.62
11.25
11.78
13.67
15.80
16.81
7.50
13.67
11.44
11
20.05
NIM%
18.01
20.16
18.93
20.92
23.33
23.68
25.32
27.47
28.53
29.20
7.20
27.47
23.50
10
15.21
Effic. R.%
4.24
4.42
3.73
1.00
0.40
0.40
1.31
0.40
0.40
0.40
5.53
0.40
0.70
27
16.53
Net margin%
1.64
0.40
2.22
5.09
3.14
3.24
3.07
3.79
1.87
1.03
13.53
3.07
2.65
24
26.82
P/E ratio (avg)x
9.354
10.17
10.99
10.96
10.17
9.763
10.59
10.81
10.85
12.04
29.23
10.81
10.70
47
11.95
P/TBVx
29.02
31.07
32.90
36.83
43.05
52.22
55.67
63.85
66.59
68.27
18.61
63.85
47.63
59
10.58
P/Bx
38.60
46.08
53.99
65.03
66.82
69.74
77.18
86.92
94.46
106.3
15.13
86.92
68.28
26
66.94
NIIFr M
44.24
47.71
49.47
52.22
55.09
57.01
59.25
62.39
66.00
71.01
25.19
5.21%
5.09%
—
8.39
NII grth%
10.40
9.57
6.60
8.61
9.34
11.74
9.07
10.43
10.64
12.84
24.73
10.64
9.98
45
27.59
ROTE%
26.84
26.40
25.34
27.49
29.74
27.95
26.04
26.64
26.79
24.31
25.26
26.64
26.71
8
3.19
Return on equity%
14.00
16.14
18.11
18.65
18.55
20.49
18.06
20.01
18.25
17.64
13.00
18.25
18.18
75
24.87
Return on assets%
1.45
2.55
3.38
1.90
2.15
0.81
0.40
2.42
4.95
6.25
21.15
2.42
2.28
24
1.38
EPSFr
2.86
2.87
3.15
3.01
3.45
3.43
3.73
4.10
3.79
3.71
1.44
1.46%
2.45%
—
17.40
EPS growth%
25.47
24.49
24.81
26.29
24.92
27.18
27.41
29.56
28.64
28.84
20.48
28.64
26.74
63
2.79
Bookvalue per shFr
2.96
2.78
2.55
2.28
2.54
2.68
2.85
3.20
3.47
3.68
1.21
7.67%
1.96%
—
0.47
TBV/shFr
2.76
2.97
3.47
3.76
4.35
5.06
4.89
4.73
5.21
5.72
2.20
5.63%
8.94%
—
1.07
Dividend per shFr
2.15
2.30
2.05
2.11
1.90
2.12
2.05
2.28
2.22
2.18
2.17
2.81%
1.19%
—
24.10
Div yield (avg)%
16.14
16.15
13.53
13.01
12.49
9.80
7.54
6.71
5.52
2.95
5.20
6.71
11.14
39
8.70
Payout ratio%
9.21
8.61
10.42
11.77
12.44
11.53
12.43
11.41
11.66
13.56
29.06
11.66
11.60
83
13.87
Shares (diluted)M
16.25
15.58
14.21
14.13
15.00
15.65
17.09
18.42
20.45
22.26
13.37
8.21%
2.62%
32
19.78
Buyback yield%
17.35
18.86
17.23
19.07
16.41
18.19
16.89
16.26
15.16
15.23
4.22
16.26
17.06
78
92.26
Eq/Assets%
62.83
62.44
59.73
59.90
66.00
73.49
77.86
78.74
87.94
96.22
119.79
78.74
69.75
82
55.48
AssetsFr M
168.9
187.3
198.8
206.3
219.0
242.0
264.2
288.3
304.1
329.2
67.86
8.50%
7.96%
26
64.99
LT debtFr M
19.48
17.87
17.86
17.92
15.82
16.97
15.96
17.13
17.17
17.18
5.779
1.66%
(0.97%)
72
Non-interest expense
5.20%
1.00×
Net interest income
68.98%
Non-interest income
31.02%