7.220
RevenueSR B
5.514
5.936
6.347
6.551
7.002
7.353
7.750
8.124
8.627
9.182
7.952
5.57%
5.99%
42
20.51
Revenue growth%
7.29
8.42
8.46
7.55
10.40
9.46
8.16
6.41
6.95
5.08
25.14
6.95
7.85
67
11.67
NIM%
7.46
7.72
7.76
6.77
9.34
7.47
4.90
4.85
7.57
8.92
4.94
7.47
7.52
33
5.66
Effic. R.%
22.33
21.70
22.05
21.17
18.24
16.11
16.39
15.38
16.50
17.95
10.05
16.39
18.09
78
19.06
Net margin%
9.22
11.83
12.04
10.46
7.71
9.15
12.14
10.58
13.15
14.11
26.13
12.14
11.21
72
23.75
P/E ratio (avg)x
24.75
24.70
29.69
31.71
35.43
38.61
44.81
50.42
55.90
66.64
29.62
50.42
37.02
84
21.28
P/TBVx
51.45
50.80
52.19
61.74
60.94
67.57
78.09
78.47
76.36
89.50
30.36
78.09
64.65
89
17.61
P/Bx
14.71
15.23
15.99
17.01
18.82
16.94
15.12
14.58
15.73
13.80
11.72
15.12
15.48
26
2.902
NIISR B
3.293
3.523
3.824
3.934
4.203
4.357
4.643
4.941
5.205
5.515
6.203
5.59%
6.09%
—
24.21
NII grth%
16.93
17.68
15.18
15.38
17.98
20.83
20.40
20.46
23.33
25.85
2.78
20.83
19.19
67
25.37
ROTE%
23.57
26.22
29.09
31.20
30.97
33.13
34.79
32.44
33.79
36.14
6.52
33.79
31.82
43
7.82
Return on equity%
25.42
24.89
24.04
23.17
21.32
23.63
26.04
25.94
23.94
26.43
17.09
25.94
24.46
30
17.62
Return on assets%
12.78
13.62
11.81
13.22
11.21
13.89
12.99
14.89
14.57
14.73
28.83
14.57
13.42
80
1.46
EPSSR
0.60
0.70
0.74
0.73
0.71
0.77
0.84
0.90
0.96
0.95
1.58
6.01%
4.44%
—
25.40
EPS growth%
28.88
26.01
24.21
22.35
23.94
24.13
22.88
20.41
17.96
16.77
5.08
20.41
23.41
44
0.34
Bookvalue per shSR
1.13
1.26
1.28
1.20
1.35
1.37
1.53
1.50
1.39
1.37
0.57
0.39%
2.52%
—
0.24
TBV/shSR
0.80
0.75
0.75
0.75
0.80
0.88
0.95
1.06
1.08
1.11
0.91
6.79%
3.43%
—
1.17
Dividend per shSR
1.44
1.40
1.48
1.45
1.55
1.52
1.53
1.78
1.69
1.65
0.79
1.34%
2.17%
—
3.15
Div yield (avg)%
9.99
7.65
10.11
9.07
9.91
11.48
12.34
14.78
14.05
11.05
14.54
12.34
10.58
55
9.20
Payout ratio%
16.41
17.43
16.02
15.72
17.63
19.16
19.41
22.15
24.21
21.79
12.29
21.79
18.39
75
1.500
Shares (diluted)B
1.884
2.117
2.021
2.101
2.328
2.320
2.605
2.645
2.668
3.101
1.457
5.90%
4.96%
6
12.14
Buyback yield%
16.38
16.36
18.87
17.70
16.55
15.35
16.72
17.99
17.27
14.99
18.10
16.72
16.64
40
62.18
Eq/Assets%
42.95
44.36
50.26
57.02
55.60
66.22
73.17
75.88
77.89
89.58
76.73
75.88
61.62
41
0.758
AssetsSR B
23.16
26.05
28.34
31.91
35.55
37.49
41.96
45.14
46.31
49.83
2.406
6.98%
8.72%
68
6.812
LT debtSR B
6.154
7.119
8.244
7.987
9.394
9.024
9.728
9.976
9.473
9.115
1.697
(0.60%)
4.14%
39
Non-interest expense
5.88%
0.99×
Net interest income
60.06%
Non-interest income
39.94%