6.641
Revenuezł B
3.296
3.578
3.859
4.203
4.586
4.903
5.407
5.947
6.267
6.822
6.819
8.27%
8.51%
63
13.27
Revenue growth%
6.87
4.19
5.96
7.00
4.16
4.60
6.05
6.11
3.96
4.72
29.97
4.72
5.34
42
21.85
NIM%
13.76
14.81
14.18
16.79
14.95
14.72
13.03
12.61
13.04
13.87
21.72
13.04
14.02
58
23.69
Effic. R.%
5.26
5.62
7.51
9.84
7.72
9.97
10.57
11.18
13.28
13.21
3.42
11.18
9.90
39
4.32
Net margin%
15.78
18.58
17.99
19.02
19.04
21.16
21.07
23.30
21.19
18.52
17.48
21.16
19.03
54
16.43
P/E ratio (avg)x
12.33
12.15
13.12
12.20
13.17
13.90
12.96
12.90
12.07
13.19
30.30
12.96
12.93
29
26.88
P/TBVx
7.837
7.277
7.574
6.760
7.324
6.388
6.192
6.603
6.650
6.751
34.76
6.603
6.755
16
29.51
P/Bx
37.88
39.93
43.36
46.86
40.76
40.72
44.46
41.37
41.51
41.20
36.56
41.37
41.28
30
3.546
NIIzł B
2.274
2.491
2.642
2.866
3.147
3.383
3.689
4.045
4.312
4.703
2.592
8.37%
8.48%
—
7.10
NII grth%
27.80
28.01
28.14
29.39
30.14
29.42
30.10
27.75
30.44
29.92
4.82
29.92
29.41
93
19.42
ROTE%
6.69
8.34
10.35
12.94
15.39
17.87
15.21
16.14
15.27
15.61
19.88
15.61
15.24
11
15.78
Return on equity%
3.56
2.51
2.69
2.66
1.58
0.40
0.54
3.16
4.56
2.18
27.38
2.18
2.58
24
21.30
Return on assets%
24.19
23.86
20.97
19.29
21.81
24.49
26.69
26.90
28.37
30.99
12.46
26.90
24.34
40
19.67
EPSzł
35.75
39.21
42.42
49.96
57.68
57.21
57.36
62.31
66.10
69.11
21.16
3.68%
8.51%
—
23.51
EPS growth%
14.13
15.27
13.81
13.25
10.90
8.87
10.81
13.02
11.12
14.00
26.99
11.12
13.14
75
23.25
Bookvalue per shzł
10.83
11.95
11.67
12.82
11.99
12.78
11.75
11.28
9.95
10.26
5.21
(3.07%)
(0.53%)
—
14.28
TBV/shzł
8.27
8.72
8.22
7.18
7.49
8.15
7.97
7.31
6.52
6.09
24.30
(4.05%)
(3.13%)
—
4.46
Dividend per shzł
25.93
28.62
27.99
28.67
32.88
37.83
35.95
40.58
47.47
49.79
14.74
8.66%
6.84%
—
28.39
Div yield (avg)%
28.19
30.85
29.82
28.28
30.05
29.57
28.91
30.56
28.47
28.56
9.82
28.91
29.24
11
3.01
Payout ratio%
7.36
10.14
8.85
8.77
10.11
8.33
5.68
4.93
2.26
0.40
27.36
4.93
7.85
26
131.9
Shares (diluted)M
124.2
131.8
125.2
116.7
106.0
94.27
86.51
86.57
92.07
81.83
129.6
(5.05%)
(4.96%)
33
29.46
Buyback yield%
18.73
18.72
16.47
16.24
13.83
12.25
14.00
16.03
17.62
20.20
5.28
16.03
16.35
48
29.83
Eq/Assets%
206.03
240.03
249.53
295.75
322.65
361.43
382.01
393.13
426.66
452.75
101.22
393.13
342.04
12
0.745
Assetszł B
10.57
11.91
12.64
13.26
14.59
15.54
16.02
17.05
18.59
19.28
2.427
5.73%
7.02%
48
7.276
LT debtzł B
4.704
4.856
5.012
5.645
6.054
5.476
6.107
6.422
6.503
6.052
0.706
(0.01%)
3.02%
87
Non-interest expense
8.61%
1.01×
Net interest income
68.94%
Non-interest income
31.06%
Spread over hurdle
16.66%