0.242
RevenueFr B
0.615
0.648
0.704
0.740
0.777
0.831
0.899
0.954
1.009
1.074
0.264
6.68%
6.17%
15
29.36
Revenue growth%
6.09
8.85
9.08
9.32
11.36
10.08
11.95
13.88
15.77
14.76
8.71
13.88
10.72
90
5.81
NIM%
12.31
10.90
8.58
10.09
10.56
9.05
7.21
6.97
7.60
6.57
20.15
7.21
8.81
63
21.56
Effic. R.%
3.54
5.25
4.14
5.64
6.09
3.94
4.86
3.36
2.34
0.40
29.69
3.36
4.04
94
3.49
Net margin%
17.78
16.87
16.72
17.85
19.88
20.00
17.19
15.32
13.06
10.20
28.68
15.32
17.03
81
15.66
P/E ratio (avg)x
32.68
35.45
39.30
40.68
40.09
41.12
41.71
41.95
41.64
40.69
18.44
41.64
40.69
60
15.67
P/TBVx
39.59
43.93
47.44
49.84
57.45
55.85
57.22
56.86
62.57
68.26
30.46
57.22
56.36
20
24.47
P/Bx
17.48
18.44
20.87
20.42
21.96
23.50
27.53
30.06
32.27
37.71
17.13
30.06
22.73
83
437.5
NIIFr M
464.1
493.4
538.0
564.0
598.4
630.4
684.1
727.2
779.1
828.1
104.0
6.71%
6.30%
—
4.47
NII grth%
22.00
19.44
21.95
24.79
23.66
25.75
24.59
23.33
20.66
18.82
20.75
23.33
22.67
24
28.86
ROTE%
13.36
11.39
12.97
12.10
11.76
9.98
12.83
10.79
12.03
12.25
29.89
12.03
12.07
23
14.54
Return on equity%
14.62
13.03
11.92
11.41
13.04
10.81
11.16
8.47
9.39
9.75
4.60
9.75
11.29
16
3.48
Return on assets%
5.20
6.73
5.08
7.32
9.06
9.40
10.79
7.92
5.07
6.87
29.64
7.92
7.09
48
9.44
EPSFr
8.85
9.19
10.01
10.35
10.82
10.52
9.30
9.06
8.64
8.00
10.21
(5.85%)
(0.67%)
—
24.07
EPS growth%
3.33
4.79
6.39
8.31
9.45
8.82
6.88
5.70
4.51
5.81
11.29
5.81
6.10
92
4.67
Bookvalue per shFr
13.48
13.42
13.50
13.74
13.69
13.85
13.02
11.99
12.39
12.59
2.62
(1.66%)
(1.63%)
—
17.02
TBV/shFr
14.20
15.88
17.11
17.00
17.46
19.43
19.67
19.66
18.34
20.75
8.42
3.51%
3.07%
—
6.79
Dividend per shFr
13.09
13.01
13.74
12.92
13.93
13.53
15.75
18.37
20.81
20.99
6.82
8.54%
6.04%
—
4.09
Div yield (avg)%
27.31
25.86
28.51
29.31
26.86
27.75
28.67
27.76
26.01
24.34
23.27
27.75
27.53
22
25.51
Payout ratio%
18.95
19.72
16.74
13.84
16.20
15.20
14.65
11.79
12.19
13.01
15.29
13.01
14.92
88
15.71
Shares (diluted)M
15.36
16.98
18.48
18.35
17.37
16.61
18.14
20.19
20.71
19.53
15.87
2.36%
1.64%
58
17.80
Buyback yield%
27.62
28.62
31.35
33.56
31.17
28.67
26.92
24.29
25.85
27.35
9.87
26.92
28.12
11
116.81
Eq/Assets%
137.65
139.81
140.73
145.36
135.17
129.27
112.64
119.15
113.46
117.58
174.07
117.58
132.22
78
0.521
AssetsFr B
3.065
3.465
3.861
4.079
4.373
4.905
5.002
5.592
6.294
6.782
0.300
9.17%
9.30%
19
337.9
LT debtFr M
159.4
159.5
159.5
182.5
168.8
169.4
190.7
202.4
225.0
225.2
826.5
5.93%
4.47%
85
Non-interest expense
6.15%
1.00×
Net interest income
77.09%
Non-interest income
22.91%