504.0
RevenueNT$M
400.5
422.7
450.0
474.6
505.7
528.3
570.7
601.6
649.6
677.7
549.9
6.03%
5.97%
63
4.07
Revenue growth%
17.28
15.95
16.36
13.97
11.52
11.44
11.90
12.86
12.06
15.04
8.89
12.06
13.42
14
6.69
NIM%
15.76
18.43
17.40
19.69
17.38
16.36
19.05
20.49
18.15
20.16
16.39
19.05
18.29
47
13.47
Effic. R.%
10.10
10.22
8.54
9.00
11.67
13.27
12.08
10.89
9.93
7.70
26.45
10.89
10.16
28
28.15
Net margin%
26.91
25.67
23.46
22.20
22.83
24.92
27.47
30.04
29.35
28.49
27.32
28.49
26.29
12
17.81
P/E ratio (avg)x
7.779
6.934
6.099
5.930
5.954
6.479
6.218
5.658
4.978
4.323
6.935
5.658
6.026
46
35.77
P/TBVx
32.77
33.91
32.91
37.36
38.87
37.76
39.26
40.42
40.82
43.15
14.13
40.42
38.31
31
26.66
P/Bx
23.62
26.65
26.34
26.38
29.70
33.48
34.74
39.30
40.80
40.29
10.48
39.30
31.59
85
431.4
NIINT$M
248.3
255.9
277.8
288.9
314.3
327.4
353.4
365.3
394.8
411.4
279.6
5.53%
5.70%
—
28.37
NII grth%
4.42
6.45
3.96
1.39
0.40
2.96
2.73
1.05
0.46
0.40
28.62
1.05
2.06
52
17.49
ROTE%
3.27
4.39
6.32
8.85
9.19
10.97
8.46
6.51
5.79
7.73
16.97
7.73
7.12
52
21.45
Return on equity%
6.99
8.50
7.40
9.80
7.00
4.65
3.18
1.55
3.85
3.45
12.31
3.45
5.82
89
20.50
Return on assets%
15.09
17.75
16.60
14.46
16.63
16.63
14.36
17.25
14.59
12.30
16.91
14.59
15.84
22
0.71
EPSNT$
0.78
0.93
0.99
1.05
1.21
1.17
1.28
1.38
1.41
1.47
0.77
3.96%
6.98%
—
3.90
EPS growth%
10.36
11.42
11.12
9.48
9.49
8.06
7.41
8.60
9.97
10.83
21.17
8.60
9.73
42
1.06
Bookvalue per shNT$
0.83
0.91
0.98
0.95
0.89
0.86
0.86
0.91
0.86
0.95
0.58
1.36%
0.35%
—
0.57
TBV/shNT$
0.97
0.91
0.90
0.94
1.04
1.13
1.27
1.20
1.39
1.46
0.55
7.02%
4.58%
—
0.19
Dividend per shNT$
0.59
0.61
0.59
0.68
0.68
0.74
0.84
0.87
0.89
1.01
0.62
8.02%
7.24%
—
18.34
Div yield (avg)%
16.55
18.47
17.38
19.28
19.55
17.98
15.33
17.99
18.98
20.07
22.27
17.99
18.23
48
23.10
Payout ratio%
21.84
22.94
20.41
17.84
20.14
22.61
20.13
19.31
22.26
21.28
13.94
21.28
20.84
75
330.6
Shares (diluted)M
308.2
327.8
351.0
343.1
354.4
408.2
408.1
444.4
417.5
404.8
324.6
2.70%
2.76%
81
16.61
Buyback yield%
0.52
2.63
3.15
2.81
1.86
2.24
2.50
1.41
4.11
4.91
16.96
2.50
2.57
42
114.20
Eq/Assets%
260.55
294.36
316.83
342.56
354.69
412.03
452.79
482.11
527.00
617.59
108.04
482.11
383.36
15
0.314
AssetsNT$B
0.863
0.939
1.035
1.084
1.159
1.204
1.313
1.399
1.523
1.626
0.667
7.00%
7.06%
51
199.2
LT debtNT$M
620.7
644.6
671.4
643.3
698.4
657.3
659.9
659.8
614.2
620.9
473.1
(2.33%)
0.57%
92
Non-interest expense
6.01%
1.00×
Net interest income
60.72%
Non-interest income
39.28%