0.218
RevenueFr B
0.790
0.809
0.837
0.861
0.882
0.910
0.925
0.937
0.957
1.014
0.232
2.85%
2.90%
89
28.23
Revenue growth%
15.21
16.21
16.33
13.54
12.33
12.91
11.94
11.32
9.96
12.66
9.38
11.94
12.78
8
5.60
NIM%
4.77
1.92
2.12
2.15
3.50
6.00
4.07
6.16
8.86
10.89
22.74
6.16
4.42
41
9.33
Effic. R.%
25.28
27.52
28.10
30.26
28.06
29.03
30.98
32.85
34.76
37.05
17.24
32.85
29.64
42
24.69
Net margin%
35.55
37.49
35.78
33.01
35.93
38.79
39.54
40.89
42.36
40.96
10.67
40.89
38.14
8
22.95
P/E ratio (avg)x
23.49
21.35
19.19
17.28
17.21
17.75
17.13
18.32
18.51
19.89
14.25
18.32
18.41
83
25.62
P/TBVx
42.25
40.79
43.44
42.20
40.56
45.55
44.50
41.98
40.18
45.46
7.695
44.50
42.23
77
22.21
P/Bx
17.55
16.34
14.88
14.44
14.92
16.56
16.08
14.87
14.45
15.20
33.08
15.20
15.06
92
795.8
NIIFr M
539.2
561.0
575.4
588.1
603.2
620.1
638.3
646.9
649.9
690.6
692.8
2.74%
2.96%
—
6.65
NII grth%
6.28
6.51
8.98
8.82
9.34
8.72
6.77
6.16
9.01
11.57
12.82
8.72
8.77
14
8.81
ROTE%
20.06
17.73
15.40
14.03
16.73
17.40
15.73
16.77
15.03
16.92
5.15
16.77
16.75
23
23.00
Return on equity%
27.78
26.55
28.58
30.96
29.08
27.90
25.03
26.50
27.77
25.24
8.83
26.50
27.78
30
23.53
Return on assets%
23.78
20.79
22.85
20.54
22.60
22.80
25.71
27.81
24.91
22.46
14.91
24.91
22.83
17
20.01
EPSFr
21.84
22.34
23.76
23.97
25.23
26.27
27.25
30.45
29.23
31.23
21.41
4.36%
3.18%
—
27.68
EPS growth%
25.15
26.98
25.68
23.71
22.85
20.57
22.14
20.14
20.79
19.97
18.93
20.57
22.50
83
5.39
Bookvalue per shFr
6.58
6.96
7.91
8.16
8.18
7.78
7.89
7.47
8.50
9.11
17.08
2.18%
4.14%
—
14.05
TBV/shFr
24.66
22.95
22.76
25.61
25.37
28.97
28.07
27.60
31.61
33.87
3.44
5.95%
3.49%
—
18.51
Dividend per shFr
19.26
21.49
23.50
23.09
21.36
21.15
19.10
17.52
18.25
19.65
18.75
(1.65%)
1.13%
—
20.31
Div yield (avg)%
21.40
20.23
18.83
16.05
18.43
15.95
18.34
17.20
19.28
21.81
24.46
18.34
18.63
60
4.76
Payout ratio%
9.11
11.58
12.60
15.49
14.68
11.85
13.85
11.73
12.73
15.15
11.44
12.73
12.67
59
15.96
Shares (diluted)M
20.97
22.00
21.63
25.26
28.54
30.10
31.98
33.41
33.36
33.58
15.93
3.31%
4.16%
93
17.72
Buyback yield%
15.80
16.98
17.86
15.57
14.02
11.11
10.37
8.68
10.56
8.74
2.89
10.37
12.57
50
12.52
Eq/Assets%
46.93
41.24
43.93
45.14
40.41
35.32
37.65
35.71
33.39
35.14
79.12
35.32
39.03
76
0.441
AssetsFr B
1.527
1.609
1.820
2.018
2.196
2.366
2.523
2.786
3.064
3.236
0.598
8.06%
8.20%
13
350.6
LT debtFr M
274.0
259.0
278.7
268.3
300.1
328.5
306.9
323.0
352.0
407.3
635.9
6.30%
3.28%
83
Non-interest expense
2.82%
0.99×
Net interest income
68.08%
Non-interest income
31.92%