107.1
RevenueFr M
520.2
529.1
555.4
565.4
579.0
604.4
627.9
640.8
674.1
683.2
110.9
3.37%
3.27%
21
24.58
Revenue growth%
7.41
9.78
8.75
6.06
8.02
8.01
6.91
8.95
6.63
9.42
14.53
8.01
8.01
26
27.18
NIM%
29.01
26.51
24.76
25.41
27.10
27.09
27.91
29.05
31.75
33.08
10.67
29.05
27.51
86
11.87
Effic. R.%
16.99
16.67
17.95
19.63
22.10
19.64
21.38
21.94
21.82
23.26
9.89
21.82
20.51
74
16.41
Net margin%
27.36
26.18
28.57
27.68
28.74
28.58
26.20
24.19
22.59
23.59
12.35
24.19
26.78
63
17.16
P/E ratio (avg)x
12.14
12.95
14.54
17.07
20.00
20.84
23.40
26.57
29.09
28.50
37.64
26.57
20.42
72
10.27
P/TBVx
54.64
64.46
74.98
73.94
82.68
96.19
112.9
110.0
110.0
111.7
16.02
110.0
89.43
42
19.11
P/Bx
36.45
35.93
33.73
38.78
42.63
45.93
52.27
57.54
59.08
57.59
6.886
57.54
44.28
62
532.8
NIIFr M
349.3
359.0
376.2
377.7
389.3
411.2
420.6
430.6
454.6
452.3
143.2
3.05%
3.15%
—
15.13
NII grth%
10.49
8.22
5.62
7.12
7.43
9.01
10.20
9.98
8.80
8.13
12.65
9.01
8.51
40
26.04
ROTE%
13.37
10.74
9.24
6.84
5.85
7.12
10.12
9.68
10.83
12.56
29.86
10.12
9.90
83
13.75
Return on equity%
8.99
10.62
9.38
11.56
12.03
9.60
11.36
12.01
10.43
9.49
12.69
10.43
10.52
23
13.88
Return on assets%
3.34
5.09
5.27
6.63
4.14
1.82
0.40
0.40
0.40
0.40
15.30
0.40
2.58
34
15.52
EPSFr
37.95
43.85
45.92
43.72
47.51
45.98
46.93
47.36
53.89
53.68
17.05
2.47%
3.45%
—
18.74
EPS growth%
29.38
30.60
29.38
26.91
24.72
24.66
23.39
22.14
19.61
22.19
26.05
22.19
24.69
93
35.18
Bookvalue per shFr
73.03
82.78
91.47
86.45
91.41
93.96
88.68
96.26
103.04
97.58
81.42
1.32%
2.07%
—
82.07
TBV/shFr
29.03
31.09
28.80
27.02
26.47
27.81
28.60
26.29
26.16
26.65
44.06
0.14%
(0.93%)
—
69.68
Dividend per shFr
61.10
60.12
56.32
56.54
52.86
55.32
60.52
57.29
63.72
72.50
32.51
6.52%
2.94%
—
11.29
Div yield (avg)%
1.98
4.47
1.53
0.40
3.36
3.53
1.08
0.97
0.40
1.48
7.49
1.08
1.51
39
21.14
Payout ratio%
30.62
29.46
30.07
28.81
29.29
30.16
28.79
31.27
33.98
36.56
15.28
31.27
30.11
78
5.976
Shares (diluted)M
6.451
6.890
7.383
7.106
6.614
6.123
6.663
6.060
5.965
6.682
5.847
0.20%
0.45%
19
4.35
Buyback yield%
20.38
21.77
21.08
19.81
22.55
21.09
19.52
19.93
19.63
18.91
8.19
19.63
20.16
6
77.09
Eq/Assets%
25.50
24.75
25.75
24.09
26.64
28.04
26.93
24.51
24.09
25.96
126.72
25.96
25.63
85
0.417
AssetsFr B
2.310
2.467
2.657
3.001
3.183
3.347
3.586
3.911
4.296
4.853
0.142
8.81%
8.68%
84
0.429
LT debtFr B
0.776
0.756
0.795
0.741
0.834
0.905
1.024
1.073
1.070
1.008
0.196
3.86%
4.23%
79
Non-interest expense
3.29%
1.00×
Net interest income
66.20%
Non-interest income
33.80%