0.932
Revenuezł B
2.280
2.346
2.324
2.374
2.362
2.381
2.428
2.468
2.467
2.544
0.954
1.50%
1.23%
39
7.87
Revenue growth%
2.51
0.40
0.40
0.40
0.40
0.40
2.88
1.17
3.57
3.97
25.11
2.88
0.78
40
15.96
NIM%
20.14
21.26
22.41
25.38
22.80
25.28
25.00
24.81
27.77
28.13
8.23
25.28
24.91
48
18.49
Effic. R.%
14.40
15.85
13.29
15.84
14.32
12.70
13.96
12.85
11.78
12.29
16.01
12.70
13.62
26
25.31
Net margin%
9.30
11.87
9.22
6.70
8.54
7.05
7.52
6.08
4.78
4.67
16.60
6.08
7.28
44
15.45
P/E ratio (avg)x
10.76
10.98
11.11
10.28
10.47
9.908
9.634
8.857
9.828
8.916
12.92
9.634
10.09
13
23.67
P/TBVx
25.19
26.48
26.67
29.25
30.27
28.70
30.62
30.54
31.79
35.78
28.15
30.62
29.76
76
28.66
P/Bx
24.63
27.47
25.53
28.54
28.88
30.71
34.02
30.87
32.85
31.34
11.33
31.34
29.79
88
2.302
NIIzł B
1.254
1.297
1.258
1.307
1.284
1.307
1.349
1.374
1.348
1.393
2.674
1.64%
1.10%
—
12.83
NII grth%
17.98
20.73
20.41
19.98
19.86
19.62
21.44
19.33
16.79
18.28
29.56
19.33
19.74
80
14.69
ROTE%
5.64
3.46
2.43
0.40
1.28
0.40
1.87
0.40
1.79
4.49
2.52
1.79
1.83
56
16.89
Return on equity%
11.49
13.29
15.70
16.45
17.22
19.69
21.69
23.76
23.11
25.19
6.14
23.11
18.45
94
12.51
Return on assets%
13.24
11.40
12.96
15.08
17.43
18.68
17.43
17.68
18.71
21.05
19.07
18.68
17.43
60
14.27
EPSzł
7.26
7.48
7.21
7.35
7.92
8.70
8.28
8.33
8.92
8.66
14.57
1.80%
1.63%
—
25.73
EPS growth%
21.11
22.70
23.46
20.55
21.37
19.10
18.61
20.63
17.99
15.66
27.10
18.61
20.59
92
10.94
Bookvalue per shzł
19.63
21.83
21.28
25.33
28.96
34.12
34.21
33.32
34.96
33.53
6.08
2.97%
5.77%
—
4.76
TBV/shzł
12.11
13.28
13.57
14.99
15.51
14.23
15.53
17.32
17.02
18.01
9.36
3.03%
5.23%
—
7.66
Dividend per shzł
4.20
4.39
4.09
4.17
4.49
4.78
4.67
4.99
4.71
4.81
5.34
1.38%
1.26%
—
17.77
Div yield (avg)%
11.89
12.78
13.90
16.70
19.03
21.91
24.41
23.79
25.25
27.37
10.44
24.41
20.47
28
21.85
Payout ratio%
12.02
11.29
9.54
11.22
12.49
13.18
15.05
12.11
11.28
11.59
2.48
12.11
11.81
92
132.6
Shares (diluted)M
165.3
193.7
222.0
254.1
239.4
249.5
252.3
257.9
274.8
270.2
130.6
2.45%
5.32%
58
10.98
Buyback yield%
17.55
18.72
19.70
17.76
19.80
19.25
21.96
22.18
19.64
18.11
4.67
19.64
19.44
36
171.95
Eq/Assets%
89.85
105.49
113.79
118.08
127.47
126.54
134.65
148.29
161.60
171.16
162.44
148.29
127.00
28
1.665
Assetszł B
8.177
9.047
9.715
10.83
11.60
12.69
13.52
14.08
15.51
16.69
1.818
7.54%
8.45%
54
0.313
LT debtzł B
0.285
0.314
0.283
0.287
0.299
0.305
0.298
0.280
0.290
0.268
1.866
(2.16%)
(1.40%)
66
Non-interest expense
1.06%
0.98×
Net interest income
54.76%
Non-interest income
45.24%