19.78
RevenueNT$B
38.04
41.42
44.78
48.85
51.59
54.82
58.09
61.18
66.23
69.70
20.88
6.20%
6.96%
10
9.20
Revenue growth%
6.54
4.37
5.61
3.60
1.10
0.40
0.40
0.40
1.78
1.75
7.22
0.40
1.77
11
14.45
NIM%
12.44
14.75
17.71
17.58
18.43
21.35
21.74
20.12
18.17
17.96
8.06
20.12
18.07
14
18.10
Effic. R.%
15.65
15.06
14.31
17.12
17.14
16.31
17.73
19.44
21.74
22.57
12.16
19.44
17.13
79
13.46
Net margin%
29.44
31.37
29.85
27.21
24.55
24.93
25.15
25.29
25.60
26.09
28.13
25.29
25.85
34
33.94
P/E ratio (avg)x
40.88
41.88
47.81
51.82
49.60
53.53
58.40
63.99
67.55
65.43
36.76
63.99
52.68
48
36.86
P/TBVx
14.15
14.34
15.05
13.75
14.61
15.86
14.69
14.62
13.75
13.28
26.50
14.62
14.47
30
20.14
P/Bx
33.13
34.70
33.42
32.22
36.37
37.04
34.78
35.73
34.14
33.12
25.95
34.78
34.42
86
87.09
NIINT$B
21.52
23.37
25.09
27.33
29.07
30.57
33.30
35.08
38.08
39.16
30.20
6.14%
6.83%
—
4.73
NII grth%
13.16
10.27
8.59
10.15
9.99
10.22
7.38
8.47
6.97
8.35
26.71
8.35
9.29
78
6.11
ROTE%
27.74
26.78
29.44
31.33
32.33
33.57
32.00
31.72
30.88
28.22
17.95
31.72
31.11
93
21.33
Return on equity%
15.35
16.75
18.91
16.85
16.39
13.43
12.37
13.34
13.32
12.62
8.63
13.32
14.39
74
7.84
Return on assets%
22.93
19.99
21.49
21.82
19.34
20.88
19.42
18.94
20.02
19.66
16.02
19.66
20.00
67
1.99
EPSNT$
7.97
8.12
8.49
9.89
10.87
10.83
12.08
12.16
13.13
13.29
2.05
4.11%
5.39%
—
20.78
EPS growth%
17.15
19.50
20.60
21.74
22.41
20.10
22.98
23.36
25.89
25.30
11.31
23.36
22.08
74
3.53
Bookvalue per shNT$
3.28
3.48
3.78
3.90
3.69
3.46
3.81
3.99
3.92
3.55
6.02
(0.80%)
0.98%
—
7.14
TBV/shNT$
4.33
4.82
5.40
5.60
5.72
6.74
6.95
8.14
8.51
8.61
4.80
8.55%
7.03%
—
4.30
Dividend per shNT$
1.72
1.97
2.06
2.01
1.95
2.04
2.32
2.36
2.23
2.36
2.84
3.89%
4.37%
—
25.12
Div yield (avg)%
7.61
7.81
9.54
11.98
10.46
11.57
13.17
11.31
10.88
11.82
10.57
11.57
11.10
85
9.27
Payout ratio%
13.12
11.22
9.62
8.77
8.50
6.97
7.11
9.03
7.53
7.26
19.15
7.26
8.64
56
4.994
Shares (diluted)B
5.557
5.844
6.233
6.947
7.781
8.744
8.496
8.849
9.925
10.67
4.785
6.51%
8.18%
66
25.36
Buyback yield%
22.40
25.28
22.52
22.19
24.03
23.70
24.84
25.74
27.37
26.63
19.05
25.74
24.44
44
155.04
Eq/Assets%
184.82
205.45
221.45
226.58
251.11
280.92
302.03
335.79
353.81
376.68
137.72
335.79
266.02
77
35.40
AssetsNT$B
327.7
332.9
372.9
408.5
449.1
481.2
521.5
537.3
597.8
611.9
67.86
6.38%
7.53%
20
29.42
LT debtNT$B
84.70
84.13
89.28
98.61
102.1
91.57
83.80
90.54
86.23
89.36
25.09
(2.64%)
0.58%
80
Non-interest expense
7.10%
1.01×
Net interest income
56.19%
Non-interest income
43.81%