2.678
RevenueNT$B
1.165
1.223
1.293
1.411
1.534
1.640
1.778
1.921
2.046
2.190
2.802
7.39%
7.38%
82
4.59
Revenue growth%
4.68
4.34
1.94
2.93
2.92
3.41
0.83
0.40
2.77
2.67
8.83
2.67
2.84
43
27.53
NIM%
8.18
9.13
11.63
8.68
8.19
6.22
7.64
8.78
6.23
7.06
27.80
7.06
8.19
5
6.68
Effic. R.%
21.89
24.71
22.61
24.64
22.65
22.52
23.36
22.71
20.28
22.40
20.90
22.52
22.63
58
11.10
Net margin%
26.89
25.25
23.63
25.37
27.81
24.92
25.32
27.89
28.32
28.26
15.80
27.89
26.13
10
23.35
P/E ratio (avg)x
29.17
30.19
33.96
38.30
39.84
39.10
40.93
40.58
39.67
42.71
7.426
40.58
39.39
28
9.483
P/TBVx
54.86
56.89
55.45
62.92
60.12
58.93
57.71
55.44
60.01
65.58
29.44
58.93
58.32
40
32.87
P/Bx
12.52
14.21
17.21
18.83
18.95
20.79
23.04
26.49
28.37
33.56
18.22
26.49
19.87
59
0.287
NIINT$B
0.698
0.722
0.756
0.845
0.927
0.991
1.055
1.155
1.234
1.322
1.931
7.36%
7.44%
—
18.82
NII grth%
27.00
25.61
26.03
24.37
25.61
27.61
28.85
29.37
27.30
28.07
25.47
28.07
27.15
73
14.65
ROTE%
16.70
17.01
16.50
18.65
16.66
14.29
16.29
16.49
19.15
18.13
12.51
16.49
16.68
92
26.50
Return on equity%
16.25
17.35
18.46
20.49
19.71
17.86
14.91
12.07
13.42
13.61
8.86
13.61
16.80
64
12.06
Return on assets%
11.98
14.14
11.63
11.74
11.82
12.28
12.88
10.87
11.83
14.64
26.82
12.28
11.90
44
1.15
EPSNT$
1.24
1.18
1.19
1.05
1.11
1.02
1.01
1.08
1.13
1.03
1.22
(1.45%)
(2.11%)
—
3.16
EPS growth%
4.20
4.87
5.43
8.37
9.69
10.82
9.20
8.60
9.91
12.87
8.73
9.91
8.90
9
1.15
Bookvalue per shNT$
1.32
1.46
1.67
1.90
2.21
2.18
2.21
2.45
2.68
3.03
1.35
6.58%
8.39%
—
1.34
TBV/shNT$
1.00
1.01
0.97
0.90
0.87
0.92
0.83
0.84
0.83
0.93
0.85
1.22%
(0.85%)
—
1.24
Dividend per shNT$
2.15
2.43
2.86
3.37
3.75
4.09
4.63
4.76
4.71
5.33
0.99
7.28%
10.18%
—
17.96
Div yield (avg)%
11.32
14.31
14.26
16.81
16.39
18.51
16.26
17.22
20.07
21.29
13.79
18.51
16.60
41
13.82
Payout ratio%
0.40
1.16
0.46
2.55
2.65
5.06
6.24
8.54
10.96
12.23
4.66
8.54
3.85
65
1.364
Shares (diluted)B
1.370
1.527
1.642
1.651
1.629
1.799
1.840
1.833
1.839
1.803
1.311
2.05%
2.19%
38
11.58
Buyback yield%
16.29
13.85
15.62
12.77
14.78
14.25
11.58
9.76
7.18
7.18
9.15
9.76
13.31
40
102.15
Eq/Assets%
87.95
99.85
105.63
113.97
109.35
126.08
139.80
161.04
180.21
183.57
116.66
161.04
120.03
70
1.291
AssetsNT$B
6.702
7.464
7.856
8.886
9.265
10.47
10.82
11.72
12.92
13.22
1.359
7.37%
8.07%
58
1.728
LT debtNT$B
0.900
0.957
1.045
1.095
1.045
1.071
1.268
1.262
1.242
1.369
2.679
5.55%
4.72%
22
Non-interest expense
7.18%
0.98×
Net interest income
60.37%
Non-interest income
39.63%