1.418
RevenueSR B
11.48
11.53
11.58
11.78
12.15
12.51
12.93
13.25
13.25
13.65
1.512
2.36%
2.21%
90
14.06
Revenue growth%
23.67
22.50
20.75
20.99
21.22
18.35
18.94
16.96
19.63
17.91
21.77
18.35
20.19
32
4.40
NIM%
22.63
20.31
20.46
19.77
18.46
18.91
20.34
18.52
19.56
17.10
2.10
18.91
19.67
68
14.84
Effic. R.%
11.03
13.95
11.61
11.94
11.65
12.16
9.84
9.38
8.38
11.31
8.37
9.84
11.46
49
22.44
Net margin%
2.43
1.36
2.77
4.68
2.12
4.02
4.37
1.69
1.98
3.92
10.79
3.92
2.60
24
11.21
P/E ratio (avg)x
30.68
28.32
29.74
26.48
28.25
26.80
26.13
27.94
29.78
32.44
18.07
27.94
28.29
24
37.27
P/TBVx
58.52
70.83
81.55
91.27
92.50
100.6
105.6
109.0
108.2
108.2
33.77
108.2
96.53
42
20.53
P/Bx
6.694
6.919
7.886
8.963
10.11
10.72
12.15
11.42
12.54
12.32
34.08
12.15
10.41
21
3.334
NIISR B
6.331
6.445
6.517
6.646
6.742
6.915
7.081
7.434
7.354
7.484
6.206
2.11%
2.21%
—
7.13
NII grth%
15.82
16.68
14.33
16.04
15.00
14.38
15.82
17.73
15.17
15.39
2.83
15.39
15.60
47
27.34
ROTE%
23.04
25.89
25.49
23.85
23.81
21.86
22.58
23.31
25.65
23.98
7.59
23.31
23.83
73
25.01
Return on equity%
3.70
4.82
4.03
3.73
2.80
3.98
2.90
0.69
2.46
0.73
19.97
2.46
3.30
32
24.94
Return on assets%
8.58
9.45
7.24
10.24
10.49
10.11
9.24
10.18
9.81
10.01
23.53
10.01
9.91
26
4.22
EPSSR
4.36
5.28
5.39
6.13
6.93
8.22
8.07
8.89
9.87
10.59
4.37
8.85%
9.65%
—
4.07
EPS growth%
2.80
3.29
3.61
5.30
3.82
5.02
6.26
5.99
8.54
7.59
7.65
6.26
5.16
47
1.81
Bookvalue per shSR
1.90
1.64
1.46
1.34
1.42
1.41
1.45
1.53
1.42
1.53
2.63
1.49%
(1.52%)
—
1.65
TBV/shSR
4.03
4.67
4.61
4.42
4.94
4.81
5.02
5.43
5.24
5.18
2.52
0.96%
4.05%
—
3.03
Dividend per shSR
1.94
1.68
1.82
1.72
1.62
1.45
1.27
1.29
1.40
1.29
1.52
(4.46%)
(5.13%)
—
20.26
Div yield (avg)%
7.73
9.88
12.41
10.78
11.54
9.73
12.01
12.18
11.51
8.79
15.05
11.51
11.15
85
22.93
Payout ratio%
7.12
5.40
2.93
5.65
7.46
5.92
5.03
5.46
3.60
4.03
21.37
5.03
5.43
62
2.044
Shares (diluted)B
2.106
2.348
2.541
2.559
2.918
3.202
3.496
3.637
3.548
3.757
2.028
5.19%
5.09%
29
28.84
Buyback yield%
12.68
14.04
16.94
14.25
15.23
16.30
19.25
16.40
13.44
13.26
3.24
16.30
14.74
20
109.29
Eq/Assets%
144.29
147.93
148.58
162.41
180.39
188.04
191.75
216.07
218.80
243.77
100.57
216.07
184.21
67
3.313
AssetsSR B
4.941
5.389
5.872
6.351
6.693
7.287
7.765
8.238
9.114
9.753
4.393
7.82%
7.94%
19
2.922
LT debtSR B
8.832
7.983
7.257
7.583
7.912
8.265
7.337
6.560
5.834
5.685
9.825
(6.39%)
(4.54%)
10
Non-interest expense
2.25%
1.00×
Net interest income
54.82%
Non-interest income
45.18%
Return on capital
114.48%