16.17
RevenueNT$B
33.50
33.62
33.18
34.02
34.83
34.73
34.94
35.26
35.53
35.11
17.84
0.16%
0.61%
69
26.44
Revenue growth%
4.06
5.77
7.01
5.65
6.80
5.50
7.07
9.00
11.07
11.41
6.22
9.00
6.90
51
21.82
NIM%
28.54
28.42
30.56
30.83
32.22
30.60
29.03
27.10
26.09
25.34
20.03
27.10
28.78
67
21.38
Effic. R.%
18.14
19.75
19.09
20.81
23.01
20.67
23.18
25.69
28.03
25.54
17.63
25.54
21.91
87
10.19
Net margin%
18.17
19.48
18.36
17.99
16.52
16.44
15.11
16.08
16.58
14.45
8.41
16.08
16.55
26
34.58
P/E ratio (avg)x
10.87
11.20
12.22
11.16
11.59
11.92
13.09
13.50
14.59
13.32
37.55
13.32
12.07
9
37.76
P/TBVx
34.22
34.75
40.36
42.11
48.96
50.04
51.60
55.11
59.75
70.48
33.30
55.11
49.50
6
36.25
P/Bx
40.10
42.42
47.10
47.26
51.07
51.73
53.84
50.99
49.26
53.67
19.44
51.73
50.13
82
7.690
NIINT$B
22.57
22.82
22.49
22.84
23.48
23.64
23.62
23.83
24.06
23.51
11.00
0.03%
0.65%
—
15.39
NII grth%
23.73
22.15
23.12
21.44
20.98
19.67
17.05
19.72
21.71
21.40
10.88
19.72
21.42
30
13.26
ROTE%
15.98
16.46
15.92
14.56
16.36
18.74
18.81
17.87
16.03
14.06
4.31
17.87
16.20
27
20.46
Return on equity%
4.14
5.73
2.77
1.19
0.40
0.40
3.07
0.57
0.67
1.24
18.91
0.67
1.22
39
23.63
Return on assets%
27.92
29.51
30.97
32.49
33.01
35.95
36.75
37.87
39.82
41.37
23.02
37.87
34.48
78
2.36
EPSNT$
2.77
2.63
2.52
2.90
2.96
3.15
3.34
3.09
3.19
3.35
2.52
2.47%
2.31%
—
2.15
EPS growth%
13.64
11.88
10.53
9.47
6.81
7.77
10.12
7.37
8.28
10.27
26.23
8.28
9.79
79
3.17
Bookvalue per shNT$
2.92
2.99
3.09
3.66
3.99
4.81
4.81
4.83
5.83
6.46
1.06
10.13%
9.24%
—
2.66
TBV/shNT$
0.87
0.87
0.90
0.87
0.85
0.83
0.75
0.78
0.71
0.67
2.14
(4.68%)
(1.83%)
—
1.03
Dividend per shNT$
2.63
2.76
2.74
2.57
2.64
2.75
3.04
3.06
3.06
2.83
1.63
1.41%
0.43%
—
26.57
Div yield (avg)%
24.07
25.53
23.61
22.58
21.78
24.12
26.41
26.77
26.68
28.77
14.06
26.68
24.82
28
25.68
Payout ratio%
18.65
15.69
17.86
16.87
16.14
17.01
19.57
20.45
17.93
20.22
15.32
19.57
17.89
52
6.617
Shares (diluted)B
6.540
6.115
7.082
7.625
8.371
9.018
9.551
9.635
9.965
10.46
6.518
4.56%
4.18%
16
17.29
Buyback yield%
8.66
5.97
5.93
3.12
3.14
4.72
6.39
4.74
2.81
3.10
15.80
4.72
4.73
27
72.68
Eq/Assets%
48.11
50.64
54.24
55.03
51.65
52.03
48.80
47.50
46.01
45.65
100.87
47.50
49.72
79
36.29
AssetsNT$B
98.94
111.0
116.7
130.0
137.8
148.2
161.8
173.4
192.4
212.0
8.092
9.00%
8.93%
24
2.131
LT debtNT$B
22.09
19.90
22.12
22.47
21.32
22.29
22.64
23.03
21.23
19.80
15.93
(1.47%)
(1.42%)
59
Non-interest expense
0.33%
0.97×
Net interest income
66.97%
Non-interest income
33.03%
Spread over hurdle
24.00%