44.18
RevenueNT$B
55.56
57.44
59.79
61.36
62.54
64.27
65.33
67.72
68.60
70.18
45.86
2.33%
2.49%
57
9.73
Revenue growth%
18.73
20.74
17.77
16.85
19.25
20.38
18.82
17.56
16.15
16.48
3.11
17.56
18.25
81
13.48
NIM%
10.07
10.91
9.89
8.62
6.19
7.88
8.85
8.76
6.53
4.41
18.21
7.88
8.69
82
27.66
Effic. R.%
16.26
16.32
18.30
19.27
16.50
14.26
11.93
9.62
11.78
14.29
24.75
11.93
15.27
52
10.79
Net margin%
9.68
11.45
13.69
13.50
13.19
11.26
13.91
12.33
13.86
14.98
5.73
13.86
13.34
45
27.55
P/E ratio (avg)x
51.97
59.12
62.28
63.09
71.32
77.04
80.68
79.88
87.34
100.9
14.79
80.68
74.18
16
18.02
P/TBVx
45.79
43.20
43.68
45.14
43.90
43.07
46.79
44.78
46.13
48.13
7.117
46.13
44.96
42
10.65
P/Bx
24.68
23.31
24.53
22.41
19.45
16.97
18.59
17.15
16.96
16.44
22.80
16.97
19.02
91
16.84
NIINT$B
31.47
33.09
33.67
34.60
35.87
36.19
37.39
37.89
38.48
39.60
13.55
2.00%
2.61%
—
4.76
NII grth%
16.43
17.76
19.73
18.13
21.09
21.92
24.63
25.16
22.19
23.00
29.67
23.00
21.51
71
12.86
ROTE%
17.25
18.20
18.25
17.40
18.48
19.41
19.98
21.91
23.27
25.66
25.78
21.91
18.94
47
20.70
Return on equity%
5.01
2.36
2.02
1.68
4.50
4.06
5.52
7.61
6.82
3.89
14.70
5.52
4.28
32
11.89
Return on assets%
17.56
17.63
18.93
16.21
16.11
17.23
15.37
12.59
14.57
12.98
12.89
14.57
16.16
23
5.82
EPSNT$
7.21
7.41
7.16
7.66
7.86
8.51
8.66
9.43
9.42
8.61
6.31
1.84%
1.25%
—
26.24
EPS growth%
16.96
16.04
18.32
21.13
20.56
22.11
22.95
22.89
21.40
23.22
6.55
22.89
21.26
81
3.54
Bookvalue per shNT$
4.56
5.28
5.38
5.57
6.32
6.64
6.61
7.30
7.70
8.06
3.67
4.98%
6.98%
—
1.67
TBV/shNT$
3.77
3.90
3.96
4.66
4.70
4.80
5.51
5.46
5.47
6.43
3.93
6.45%
6.23%
—
4.32
Dividend per shNT$
3.91
4.69
5.27
5.47
5.60
5.71
5.77
6.96
8.27
8.93
0.94
9.80%
9.82%
—
6.19
Div yield (avg)%
22.42
23.51
23.13
24.97
24.36
24.36
24.11
24.44
26.26
28.72
15.04
24.44
24.36
62
13.75
Payout ratio%
4.71
3.01
1.81
4.40
2.47
5.17
5.83
3.91
6.76
5.45
8.37
5.45
4.55
51
15.96
Shares (diluted)B
24.48
28.90
32.11
33.14
32.77
37.36
41.40
44.93
49.33
52.87
16.01
10.04%
8.96%
49
6.88
Buyback yield%
3.99
4.69
1.91
0.65
0.40
0.40
1.42
0.40
2.53
2.26
22.93
1.42
1.67
75
179.06
Eq/Assets%
153.49
148.39
137.63
141.09
135.40
128.20
137.88
146.86
147.99
150.81
98.33
146.86
143.97
77
26.01
AssetsNT$B
21.59
23.12
25.19
27.59
29.21
30.70
33.52
36.33
38.68
44.47
33.00
8.77%
8.65%
38
66.37
LT debtNT$B
81.12
90.32
88.47
86.75
92.26
99.13
116.1
133.7
154.7
163.0
32.35
12.06%
8.31%
69
Non-interest expense
2.34%
0.99×
Net interest income
56.43%
Non-interest income
43.57%
Return on capital
168.06%
Spread over hurdle
165.84%