749.3
RevenueFr M
451.4
484.9
513.7
551.6
584.8
630.0
684.2
750.2
806.6
853.0
769.9
7.84%
7.22%
39
15.02
Revenue growth%
16.57
16.13
14.72
12.50
10.04
11.13
11.15
13.04
14.07
11.98
5.91
11.98
12.77
89
26.46
NIM%
0.40
0.40
0.40
0.68
1.86
4.72
3.85
1.55
3.74
4.08
21.94
3.85
1.71
13
12.29
Effic. R.%
23.31
24.70
24.99
24.12
22.53
20.73
20.00
20.47
23.29
24.65
2.78
20.73
23.30
23
16.11
Net margin%
9.79
12.71
10.34
9.19
10.83
11.62
10.02
10.11
7.25
5.41
8.65
10.02
10.06
28
14.92
P/E ratio (avg)x
22.22
25.42
27.50
30.03
27.85
25.79
25.38
25.54
26.02
29.68
30.42
25.79
25.90
57
21.83
P/TBVx
35.25
37.83
40.41
42.51
44.36
48.61
43.50
41.30
39.43
43.94
12.72
43.50
41.90
93
22.72
P/Bx
19.60
18.57
21.14
23.41
22.54
22.50
25.82
24.96
26.34
27.81
7.782
25.82
22.97
25
317.6
NIIFr M
325.6
345.9
367.9
395.4
415.2
448.8
490.2
535.2
578.2
614.2
224.1
8.14%
7.20%
—
13.69
NII grth%
24.13
25.52
26.46
27.50
30.22
31.24
30.60
31.10
31.13
34.10
25.06
31.13
30.41
33
25.94
ROTE%
0.40
0.40
0.97
2.97
1.05
1.12
0.40
1.99
0.42
0.40
23.05
0.42
0.70
73
4.86
Return on equity%
21.83
21.45
18.75
21.39
21.41
21.39
20.47
21.51
21.94
19.27
5.28
21.39
21.40
39
24.33
Return on assets%
8.98
10.23
11.36
13.39
12.28
10.30
7.87
5.49
5.18
7.31
24.83
7.31
9.61
23
10.86
EPSFr
12.70
12.62
15.05
14.56
15.91
15.91
17.48
17.62
20.87
23.95
11.41
8.53%
6.31%
—
6.49
EPS growth%
7.91
10.77
9.10
10.90
10.16
11.29
12.62
12.43
12.16
10.04
14.42
12.16
10.84
79
21.94
Bookvalue per shFr
13.77
14.81
15.55
17.59
16.91
16.49
16.90
15.54
14.43
15.89
23.48
(1.24%)
1.68%
—
22.64
TBV/shFr
6.49
6.31
6.39
6.35
5.68
5.44
4.84
4.65
4.88
4.44
15.55
(4.80%)
(4.80%)
—
15.27
Dividend per shFr
43.16
48.63
54.83
62.12
70.87
67.31
69.66
81.63
86.11
84.75
15.36
3.64%
7.92%
—
14.56
Div yield (avg)%
4.40
6.41
7.86
5.94
3.32
1.29
0.40
0.40
1.28
0.40
8.37
0.40
2.31
9
21.17
Payout ratio%
15.67
12.89
14.73
15.20
12.69
12.11
9.79
11.92
12.80
11.29
24.60
11.92
12.75
23
20.04
Shares (diluted)M
30.47
31.81
35.77
42.87
49.77
53.98
59.74
59.36
59.62
69.35
20.41
6.86%
9.22%
21
21.43
Buyback yield%
3.18
5.40
6.61
4.11
4.65
5.22
6.78
5.67
4.70
3.57
20.10
5.22
4.96
56
109.56
Eq/Assets%
48.81
53.03
52.43
55.70
55.96
56.29
59.64
51.80
47.33
47.86
67.37
51.80
52.73
39
0.611
AssetsFr B
2.788
2.992
3.165
3.540
3.671
4.068
4.535
4.941
5.239
5.746
0.439
9.37%
7.98%
13
399.6
LT debtFr M
346.8
392.0
372.2
341.2
374.4
421.9
383.8
375.5
411.9
394.4
59.23
1.05%
1.83%
58
Non-interest expense
7.26%
1.00×
Net interest income
72.00%
Non-interest income
28.00%
Spread over hurdle
13.36%