0.134
RevenueFr B
1.075
1.126
1.184
1.213
1.242
1.295
1.343
1.392
1.442
1.516
0.137
4.07%
3.92%
19
21.78
Revenue growth%
13.10
11.98
9.07
11.84
12.00
11.07
11.14
11.14
9.13
9.74
8.79
11.07
11.14
41
27.94
NIM%
7.76
5.08
4.12
2.98
4.30
3.18
5.99
7.30
5.00
6.88
8.53
5.99
5.04
87
22.15
Effic. R.%
3.34
2.68
3.90
1.68
0.40
0.40
0.40
0.40
0.40
0.40
29.52
0.40
0.40
16
13.22
Net margin%
9.72
10.38
10.54
8.65
7.30
10.04
8.49
10.18
9.12
11.52
23.95
10.04
9.88
34
25.31
P/E ratio (avg)x
10.05
8.761
8.515
8.964
8.390
7.867
8.042
8.066
7.281
8.006
28.69
8.006
8.228
27
37.07
P/TBVx
18.38
20.33
23.93
24.21
24.58
24.42
23.55
27.95
26.74
25.48
33.17
25.48
24.32
57
32.47
P/Bx
24.35
24.37
25.42
27.16
25.62
22.87
21.06
20.55
21.51
20.64
20.09
21.06
23.61
69
0.148
NIIFr B
0.607
0.652
0.685
0.693
0.720
0.752
0.781
0.787
0.827
0.858
1.086
3.57%
3.64%
—
12.85
NII grth%
21.58
23.71
23.38
21.00
18.47
18.40
15.63
14.53
14.22
12.12
11.47
14.53
18.44
41
7.07
ROTE%
12.72
12.96
13.82
16.16
18.43
20.75
19.54
21.81
21.38
20.16
20.79
20.75
18.99
29
16.34
Return on equity%
19.98
18.63
16.88
15.76
18.73
19.11
17.39
16.00
18.26
20.11
29.69
18.26
18.44
73
16.02
Return on assets%
15.10
15.20
14.00
12.88
11.73
13.44
16.42
15.79
13.89
14.73
15.04
14.73
14.37
82
4.44
EPSFr
5.25
5.45
4.89
5.40
5.10
5.08
5.10
5.04
5.39
5.38
4.69
1.10%
0.21%
—
27.38
EPS growth%
4.58
3.93
6.32
4.51
5.45
3.22
1.09
0.40
1.36
0.40
8.50
1.09
3.58
68
15.34
Bookvalue per shFr
16.29
18.95
19.76
19.45
21.88
22.99
25.45
26.77
32.09
32.90
12.42
8.50%
8.34%
—
11.94
TBV/shFr
4.01
4.59
4.60
4.45
4.54
4.45
5.03
5.29
5.14
5.85
11.21
5.18%
4.32%
—
6.47
Dividend per shFr
20.01
19.78
22.24
25.67
26.18
27.97
29.27
34.21
39.06
38.62
13.37
8.08%
8.33%
—
22.07
Div yield (avg)%
13.60
13.20
14.03
14.19
15.73
13.44
12.08
9.18
6.25
3.66
16.45
9.18
13.32
71
7.25
Payout ratio%
28.24
25.59
23.61
22.24
22.07
20.42
19.10
21.63
19.32
21.76
23.87
20.42
21.92
87
49.97
Shares (diluted)M
38.45
37.71
36.59
38.38
38.91
37.15
35.56
35.10
30.44
26.94
50.14
(7.08%)
(4.51%)
77
8.02
Buyback yield%
12.05
12.71
14.17
12.72
13.96
11.51
12.38
10.36
10.14
9.70
2.74
10.36
12.21
61
149.69
Eq/Assets%
229.08
224.01
244.48
282.01
315.64
331.86
378.25
393.78
387.56
396.90
145.39
387.56
323.75
49
0.421
AssetsFr B
0.715
0.776
0.831
0.853
0.960
1.039
1.103
1.170
1.242
1.348
0.837
7.02%
7.65%
20
0.113
LT debtFr B
1.564
1.502
1.460
1.707
1.881
2.061
2.359
2.755
3.221
3.426
1.056
12.74%
8.00%
39
Non-interest expense
3.85%
0.99×
Net interest income
56.61%
Non-interest income
43.39%