41.07
RevenueFr M
150.8
152.6
156.9
161.1
169.9
179.0
183.8
190.6
199.7
204.6
42.09
3.78%
3.53%
73
24.02
Revenue growth%
22.80
24.69
25.23
27.88
30.78
28.74
26.51
26.52
28.09
27.01
27.39
27.01
26.77
21
20.37
NIM%
20.63
21.10
20.22
21.26
22.81
21.39
22.27
24.01
25.59
24.77
18.79
24.01
21.83
17
20.35
Effic. R.%
17.06
15.82
15.96
13.14
13.78
14.22
15.12
15.15
15.11
17.11
12.37
15.12
15.13
50
22.48
Net margin%
22.91
20.16
21.04
22.09
24.57
24.21
23.79
25.24
23.66
25.52
11.85
24.21
23.73
42
31.96
P/E ratio (avg)x
16.61
16.26
17.02
16.09
17.24
18.20
18.96
20.21
21.23
24.03
19.39
20.21
17.72
42
26.32
P/TBVx
22.16
22.09
25.62
27.70
32.58
37.91
41.33
48.22
47.41
48.66
12.00
47.41
35.24
34
19.53
P/Bx
26.08
24.33
23.29
25.19
23.63
24.90
24.94
26.59
24.94
26.02
9.306
24.94
24.94
71
23.43
NIIFr M
99.40
101.9
105.1
106.9
112.2
118.2
122.3
126.5
133.7
134.9
181.1
3.76%
3.36%
—
22.03
NII grth%
0.40
0.40
3.35
2.16
0.40
0.40
1.48
2.98
5.24
8.07
21.79
2.98
1.82
22
11.33
ROTE%
15.87
16.88
15.92
15.08
12.75
9.88
12.26
11.33
12.40
11.49
2.68
11.49
12.58
23
26.84
Return on equity%
15.16
17.10
14.46
17.35
17.03
14.64
14.94
13.27
11.85
9.52
20.76
13.27
14.79
43
7.46
Return on assets%
19.34
17.09
19.05
20.17
17.68
18.48
19.36
20.19
23.08
21.63
15.52
20.19
19.35
66
14.31
EPSFr
26.76
26.57
31.58
32.61
31.61
30.61
29.76
31.74
37.01
39.70
15.71
4.66%
5.68%
—
22.13
EPS growth%
13.67
13.48
14.68
13.58
11.91
12.23
11.91
12.35
12.50
11.17
16.71
12.23
12.42
22
17.49
Bookvalue per shFr
14.21
16.36
15.55
18.10
17.42
18.36
17.63
19.05
18.77
19.23
18.69
2.00%
3.65%
—
10.89
TBV/shFr
3.12
2.95
2.62
2.87
3.11
3.42
3.15
2.93
2.93
3.09
17.63
(0.17%)
0.45%
—
16.70
Dividend per shFr
7.95
8.27
8.35
8.32
7.71
7.26
6.53
6.97
7.40
6.91
19.01
(2.18%)
(1.76%)
—
2.75
Div yield (avg)%
32.29
35.03
32.72
32.63
31.30
32.09
30.21
31.69
30.45
33.01
8.41
31.69
32.19
90
23.51
Payout ratio%
13.58
14.27
11.77
12.98
14.70
14.68
16.68
18.12
20.64
19.84
18.90
18.12
14.69
41
6.234
Shares (diluted)M
8.276
9.194
9.889
11.12
11.90
11.09
10.87
10.17
10.49
10.49
6.126
(2.49%)
3.77%
8
14.58
Buyback yield%
22.85
23.53
25.28
23.66
24.55
26.15
26.62
28.92
29.93
29.76
8.96
28.92
25.72
60
157.00
Eq/Assets%
180.70
183.74
181.53
196.28
196.89
174.18
170.30
163.06
168.44
184.31
132.64
170.30
181.12
19
31.16
AssetsFr M
139.4
145.3
161.0
180.4
201.1
214.7
238.4
251.3
283.9
309.0
29.21
8.97%
9.27%
73
179.3
LT debtFr M
31.04
28.72
25.43
22.52
24.30
26.37
26.57
26.40
26.21
28.03
121.2
2.90%
(0.73%)
80
Non-interest expense
3.32%
0.98×
Net interest income
65.95%
Non-interest income
34.05%
Spread over hurdle
62.61%