3.356
RevenueFr M
60.83
64.44
67.67
70.60
74.90
78.78
84.83
90.47
94.60
101.7
3.490
6.31%
6.12%
80
21.80
Revenue growth%
1.49
2.10
0.44
1.69
2.44
0.40
2.74
5.15
7.88
6.18
23.65
5.15
2.27
64
24.20
NIM%
17.49
19.94
19.24
21.22
20.48
22.70
24.10
25.34
23.78
23.64
2.30
23.78
21.96
18
16.06
Effic. R.%
10.44
12.73
12.87
13.05
11.30
11.00
12.25
14.31
15.34
12.99
21.42
12.99
12.80
15
16.17
Net margin%
4.20
6.54
8.48
5.63
3.69
1.91
0.90
0.40
1.61
0.40
10.19
0.90
2.80
84
22.46
P/E ratio (avg)x
14.65
12.64
13.39
14.34
13.41
13.28
12.62
11.95
12.87
12.73
25.65
12.73
13.08
9
31.57
P/TBVx
39.53
44.60
51.05
58.06
64.83
65.45
66.27
75.93
88.08
86.05
23.54
75.93
65.14
37
7.518
P/Bx
24.06
26.77
26.79
28.16
26.02
24.77
24.70
25.21
25.61
25.92
12.17
25.21
25.77
15
54.66
NIIFr M
48.08
51.12
53.09
55.92
58.48
61.28
66.59
70.45
74.99
80.50
80.03
6.60%
6.20%
—
19.02
NII grth%
30.00
28.69
30.03
31.06
33.68
33.61
33.74
34.99
37.26
36.14
8.95
34.99
33.64
25
25.94
ROTE%
22.75
21.64
20.75
22.55
20.60
22.54
20.97
18.97
20.92
22.97
27.37
20.97
21.30
47
17.84
Return on equity%
10.46
10.42
7.71
7.42
4.60
4.63
6.55
6.67
3.96
6.81
14.82
6.55
6.74
34
21.05
Return on assets%
11.37
12.95
13.92
13.02
14.93
13.32
14.48
12.67
9.68
10.25
10.37
12.67
12.98
59
198.14
EPSFr
155.68
183.95
194.39
203.06
214.70
235.18
254.46
275.31
271.68
313.90
217.84
7.89%
6.80%
—
24.95
EPS growth%
8.56
11.04
12.14
12.09
10.58
8.27
5.58
8.36
9.66
10.99
27.84
8.36
10.12
37
433.09
Bookvalue per shFr
106.12
101.77
100.79
93.51
102.97
107.36
103.09
93.95
86.01
86.93
85.69
(3.33%)
(1.87%)
—
161.35
TBV/shFr
225.20
226.67
231.16
207.72
221.08
218.18
211.96
206.39
231.33
228.51
402.85
0.66%
(0.54%)
—
368.32
Dividend per shFr
446.46
501.58
461.23
440.71
417.52
402.07
415.60
372.61
361.57
404.82
216.95
(0.62%)
(1.23%)
—
22.11
Div yield (avg)%
20.09
21.86
20.46
18.78
17.14
17.69
16.11
17.80
14.89
15.67
2.99
16.11
17.74
65
22.23
Payout ratio%
26.94
28.11
30.87
29.67
30.54
32.07
29.84
31.03
32.81
31.75
6.85
31.75
30.70
35
0.101
Shares (diluted)M
0.095
0.088
0.076
0.076
0.071
0.067
0.060
0.056
0.055
0.055
0.098
(5.01%)
(6.03%)
44
13.80
Buyback yield%
11.03
10.01
7.17
5.69
6.67
7.37
7.66
5.62
8.55
8.47
14.22
7.66
7.51
69
152.58
Eq/Assets%
99.44
92.58
93.75
81.03
73.53
79.12
84.74
88.99
91.28
80.31
15.54
84.74
86.86
45
75.15
AssetsFr M
209.3
234.8
241.0
272.6
294.0
302.6
339.2
378.8
432.3
449.2
51.51
8.85%
9.00%
42
22.88
LT debtFr M
63.45
69.66
72.37
86.07
101.9
100.3
105.5
126.4
124.6
142.1
55.47
6.88%
9.00%
34
Non-interest expense
6.06%
0.99×
Net interest income
79.14%
Non-interest income
20.86%
Spread over hurdle
15.90%