9.603
RevenueSR B
10.42
10.86
11.46
11.92
12.38
13.32
14.02
14.88
16.10
16.76
10.40
6.24%
5.68%
93
20.54
Revenue growth%
28.27
29.25
26.84
25.73
24.26
22.02
24.34
22.64
23.83
21.97
25.41
22.64
24.30
62
8.03
NIM%
5.70
6.28
4.16
6.98
4.07
5.42
3.86
6.23
7.60
7.33
19.75
6.23
5.97
83
13.48
Effic. R.%
0.40
1.81
2.38
4.19
1.52
2.38
2.87
1.17
3.34
2.49
17.10
2.49
2.38
80
2.88
Net margin%
31.27
30.84
32.45
33.84
31.43
32.21
29.67
29.62
32.51
34.14
27.55
32.21
31.82
54
12.37
P/E ratio (avg)x
30.48
32.75
32.47
30.95
27.49
30.23
32.01
31.66
28.93
29.63
13.53
30.23
30.72
26
31.92
P/TBVx
44.29
49.09
53.38
55.79
60.02
62.72
71.65
76.53
75.87
79.87
31.90
75.87
61.37
28
17.04
P/Bx
25.42
22.62
20.52
21.89
19.62
21.00
19.01
16.45
14.82
14.61
11.77
16.45
20.07
9
10.66
NIISR B
7.331
7.606
8.025
8.384
8.695
9.300
9.859
10.68
11.34
11.84
4.506
6.36%
5.69%
—
20.75
NII grth%
14.48
12.95
13.28
13.07
15.34
13.64
14.73
16.53
16.01
18.83
16.77
16.01
14.60
17
11.59
ROTE%
0.40
0.48
0.40
2.46
3.69
2.17
2.24
0.40
0.40
2.13
19.38
2.13
1.31
6
21.09
Return on equity%
21.46
22.44
20.53
21.50
23.35
25.09
23.11
24.06
26.38
24.49
10.98
24.49
23.23
26
27.40
Return on assets%
19.11
17.03
17.10
19.46
20.45
23.10
24.04
25.18
28.11
28.73
10.40
25.18
21.77
74
2.11
EPSSR
2.42
2.76
2.82
3.09
2.95
3.43
3.43
3.74
3.67
4.15
2.21
7.09%
6.33%
—
29.75
EPS growth%
23.76
26.26
24.57
24.85
23.48
23.68
20.81
20.14
19.06
18.36
28.44
20.14
23.58
36
1.66
Bookvalue per shSR
0.63
0.67
0.77
0.84
0.82
0.94
1.10
1.18
1.27
1.42
1.07
11.74%
9.50%
—
0.68
TBV/shSR
1.48
1.43
1.32
1.28
1.31
1.33
1.49
1.61
1.48
1.58
0.51
3.73%
1.80%
—
2.00
Dividend per shSR
1.45
1.62
1.76
1.75
1.79
1.78
1.75
1.95
1.84
1.78
0.52
(0.18%)
1.50%
—
8.18
Div yield (avg)%
25.81
26.52
28.51
28.72
26.94
24.36
22.47
21.52
22.69
19.75
19.49
22.47
25.09
38
7.57
Payout ratio%
6.37
8.94
6.50
5.07
3.61
1.97
0.84
1.88
2.84
0.43
29.52
1.88
3.23
32
1.998
Shares (diluted)B
2.194
2.261
2.212
2.558
2.434
2.377
2.307
2.495
2.541
2.414
2.038
(0.16%)
1.20%
51
3.53
Buyback yield%
19.68
17.42
17.47
17.53
19.91
22.90
25.66
27.51
30.11
30.42
8.56
27.51
21.41
87
22.54
Eq/Assets%
134.46
151.08
153.65
177.29
184.71
184.79
212.48
238.57
246.66
289.69
93.59
238.57
184.75
33
3.362
AssetsSR B
39.62
43.14
47.01
50.05
52.35
57.72
61.90
66.41
71.88
79.99
6.014
8.85%
7.62%
93
16.60
LT debtSR B
7.727
7.198
7.176
6.923
7.145
6.828
6.023
5.407
4.837
4.366
18.24
(9.38%)
(5.40%)
40
Non-interest expense
5.63%
0.99×
Net interest income
70.63%
Non-interest income
29.37%