187.5
RevenueNT$B
106.6
113.8
121.3
126.9
136.0
143.1
149.5
159.6
166.8
179.8
208.0
5.75%
6.07%
54
23.95
Revenue growth%
12.21
9.59
11.42
10.31
12.45
14.92
12.06
14.15
14.75
14.95
28.09
14.75
12.33
7
28.11
NIM%
9.45
6.81
5.95
7.73
5.42
7.90
6.39
9.27
8.88
6.09
3.54
7.90
7.27
34
22.00
Effic. R.%
23.68
25.62
24.88
23.42
23.81
22.63
20.98
22.20
19.73
20.32
5.57
20.98
23.02
36
17.57
Net margin%
11.12
9.92
6.98
5.62
8.27
9.27
7.44
7.21
5.24
3.78
6.93
7.21
7.32
94
30.99
P/E ratio (avg)x
19.17
18.42
18.53
18.16
19.40
21.08
19.02
18.53
18.86
16.59
12.75
18.86
18.69
90
6.212
P/TBVx
39.35
35.00
34.59
37.11
38.60
35.03
31.30
30.41
29.27
26.37
26.68
30.41
34.80
15
22.33
P/Bx
30.22
32.36
34.82
33.76
37.63
37.00
35.31
38.09
41.20
45.25
34.32
38.09
36.16
13
185.9
NIINT$B
70.49
74.13
79.58
82.82
87.76
93.86
98.46
105.2
109.3
116.2
104.9
5.78%
5.89%
—
3.27
NII grth%
9.84
8.61
7.15
5.10
4.23
6.81
5.11
7.87
5.93
6.40
9.44
6.40
6.61
37
3.89
ROTE%
3.56
6.09
5.98
4.80
4.24
6.96
9.60
7.34
9.21
10.21
8.79
9.21
6.53
75
11.20
Return on equity%
23.31
24.10
24.91
27.87
28.48
28.13
27.74
28.54
25.71
28.49
28.68
28.13
27.81
64
10.41
Return on assets%
14.77
17.26
17.61
20.53
21.56
21.45
19.54
22.34
22.81
24.34
4.07
22.34
20.99
85
1.47
EPSNT$
4.87
4.88
5.46
6.28
6.55
7.92
9.62
10.96
11.55
12.93
1.60
14.57%
11.02%
—
14.32
EPS growth%
3.09
2.73
4.58
1.80
4.71
1.92
0.53
1.91
1.85
3.45
24.56
1.91
2.32
43
2.66
Bookvalue per shNT$
2.89
2.93
3.24
3.43
3.91
4.09
4.47
4.85
4.93
4.66
1.90
3.53%
4.40%
—
2.52
TBV/shNT$
2.90
3.24
3.16
3.23
3.71
4.06
4.38
4.22
4.45
5.18
2.46
6.94%
5.98%
—
2.46
Dividend per shNT$
0.74
0.68
0.71
0.78
0.74
0.70
0.66
0.70
0.71
0.72
2.60
(0.35%)
0.22%
—
18.62
Div yield (avg)%
8.61
9.27
12.14
14.78
15.56
14.05
11.18
13.10
10.49
10.91
25.89
11.18
11.66
78
15.10
Payout ratio%
30.97
30.58
31.90
34.73
35.10
33.98
31.50
29.90
29.91
29.97
21.06
29.97
31.24
67
24.99
Shares (diluted)B
27.74
30.44
31.82
34.58
37.08
37.87
35.06
37.57
35.31
35.73
25.84
(0.74%)
2.74%
44
23.72
Buyback yield%
20.18
18.73
16.20
18.48
15.91
18.09
19.73
22.63
22.34
19.80
19.73
19.80
19.23
79
30.51
Eq/Assets%
103.70
108.26
115.52
111.11
117.07
123.07
130.87
121.97
116.10
102.02
158.88
121.97
115.81
84
102.0
AssetsNT$B
373.6
412.7
450.4
475.3
517.4
564.3
595.4
669.4
734.8
836.0
43.01
10.07%
9.10%
26
80.63
LT debtNT$B
285.3
307.7
324.9
320.6
330.4
317.6
352.8
393.4
441.7
461.4
103.3
6.91%
5.42%
58
Non-interest expense
5.90%
0.98×
Net interest income
64.62%
Non-interest income
35.38%