0.213
RevenueSR B
1.015
1.080
1.170
1.240
1.314
1.405
1.509
1.616
1.768
1.938
0.237
8.08%
7.43%
71
22.04
Revenue growth%
9.53
11.42
10.27
9.05
7.36
6.38
4.67
2.93
3.56
5.54
28.15
4.67
6.87
70
24.57
NIM%
9.30
8.05
9.78
9.37
8.49
6.60
6.10
6.26
3.90
2.95
29.05
6.10
7.32
26
20.25
Effic. R.%
22.28
22.09
20.05
22.49
20.10
18.81
18.90
16.54
18.65
20.36
4.88
18.81
20.08
65
20.11
Net margin%
25.66
22.94
21.94
22.97
23.25
25.21
23.31
22.63
22.56
23.30
25.67
23.30
23.11
40
37.91
P/E ratio (avg)x
25.47
29.43
34.34
34.92
37.74
39.32
43.67
42.73
45.35
50.54
31.73
43.67
38.53
57
24.28
P/TBVx
24.97
23.83
27.28
31.22
32.21
36.93
37.19
38.77
44.45
52.08
13.01
38.77
34.57
67
6.652
P/Bx
17.69
15.71
14.03
14.26
13.65
13.65
13.17
13.84
12.19
11.63
30.96
13.17
13.75
49
2.172
NIISR B
0.709
0.763
0.817
0.880
0.933
0.992
1.074
1.128
1.242
1.372
0.450
8.01%
7.51%
—
25.09
NII grth%
13.80
11.53
13.55
13.55
13.85
15.70
16.61
17.50
16.72
15.14
13.48
16.61
14.50
90
26.43
ROTE%
14.77
15.68
17.42
19.97
19.32
20.79
18.20
20.34
22.71
23.54
23.79
20.79
19.65
80
22.82
Return on equity%
31.49
29.99
31.37
30.94
30.89
31.88
32.85
30.91
33.52
34.48
7.73
32.85
31.43
39
21.70
Return on assets%
1.36
2.68
3.04
0.40
1.53
0.40
0.40
3.26
0.59
0.40
27.01
0.40
0.97
43
1.19
EPSSR
1.29
1.50
1.70
1.99
1.92
1.93
2.30
2.63
3.05
3.17
1.31
10.52%
9.66%
—
12.31
EPS growth%
4.94
3.78
3.08
5.33
5.33
6.65
7.14
4.90
4.49
7.22
26.85
6.65
5.14
47
1.25
Bookvalue per shSR
1.51
1.49
1.55
1.61
1.71
1.66
1.63
1.84
1.88
1.92
0.97
2.28%
2.20%
—
0.73
TBV/shSR
0.35
0.39
0.44
0.45
0.49
0.45
0.45
0.44
0.42
0.47
1.11
(1.03%)
3.82%
—
1.35
Dividend per shSR
1.78
2.09
2.08
2.25
2.52
2.48
2.47
2.62
2.95
3.05
1.20
3.87%
6.25%
—
4.49
Div yield (avg)%
26.53
26.44
26.00
23.40
20.68
19.23
18.47
20.50
23.46
24.46
22.46
20.50
23.43
21
25.20
Payout ratio%
0.40
0.40
0.40
0.53
1.92
0.40
1.18
1.63
1.31
3.52
2.95
1.31
0.85
23
1.261
Shares (diluted)B
1.066
1.114
1.173
1.113
1.165
1.073
1.092
0.994
1.014
0.962
1.262
(3.76%)
(2.14%)
92
5.12
Buyback yield%
21.22
21.33
20.28
19.28
17.73
19.07
16.14
15.96
15.92
13.55
8.25
15.96
18.40
94
41.29
Eq/Assets%
72.24
68.80
66.15
72.84
71.81
77.31
82.58
86.40
78.93
78.08
25.37
78.93
75.08
45
0.657
AssetsSR B
2.379
2.643
2.968
3.088
3.270
3.443
3.754
4.158
4.617
4.986
1.032
8.81%
8.47%
62
0.664
LT debtSR B
1.237
1.350
1.262
1.329
1.378
1.345
1.285
1.265
1.237
1.166
0.693
(3.28%)
(2.02%)
56
Non-interest expense
7.39%
1.00×
Net interest income
70.82%
Non-interest income
29.18%