4.992
Revenuezł B
4.686
4.746
4.803
4.948
4.947
4.999
5.177
5.373
5.431
5.564
5.312
2.38%
1.95%
44
22.40
Revenue growth%
24.95
23.37
23.13
25.95
27.72
26.44
25.90
25.91
28.51
29.60
24.75
26.44
25.93
19
18.82
NIM%
18.39
15.98
16.75
16.42
15.55
14.58
16.27
16.03
14.61
13.35
20.65
14.61
16.01
84
27.42
Effic. R.%
17.80
17.33
17.04
16.97
19.72
20.41
20.21
18.68
15.82
15.38
29.21
18.68
17.57
49
16.16
Net margin%
5.20
3.32
4.08
6.24
6.06
4.68
2.73
0.69
0.60
0.40
13.60
0.69
3.70
26
14.33
P/E ratio (avg)x
24.14
22.15
20.93
17.79
19.07
17.14
16.95
15.64
16.18
16.52
6.743
16.52
17.46
51
22.29
P/TBVx
11.61
11.58
12.21
11.98
11.92
13.85
14.80
13.94
13.46
14.24
36.08
13.94
12.84
91
28.39
P/Bx
23.30
20.79
20.47
20.00
19.20
18.24
18.40
19.07
19.08
20.31
23.47
19.07
19.60
21
0.901
NIIzł B
3.225
3.196
3.278
3.389
3.415
3.362
3.513
3.690
3.666
3.828
4.418
2.31%
1.95%
—
28.70
NII grth%
28.00
29.60
26.81
24.11
24.99
24.66
23.68
24.96
25.24
23.29
27.50
24.66
24.98
93
28.97
ROTE%
10.09
11.31
11.47
9.33
10.92
10.04
9.60
8.72
10.60
12.64
27.77
10.04
10.34
71
23.79
Return on equity%
34.81
33.16
31.10
32.60
33.43
34.00
31.14
30.35
29.08
29.33
4.65
30.35
31.87
65
2.81
Return on assets%
6.05
4.26
2.97
5.57
5.23
5.78
7.93
6.93
7.46
5.96
13.04
6.93
5.87
49
8.39
EPSzł
9.39
10.17
9.70
10.67
9.85
10.16
10.66
11.64
11.55
12.67
8.63
5.18%
2.29%
—
17.30
EPS growth%
11.53
14.34
15.55
13.61
15.61
17.31
19.42
16.74
15.95
13.87
14.91
16.74
15.58
88
16.77
Bookvalue per shzł
5.67
5.84
6.12
6.42
6.44
6.08
5.46
5.28
5.00
5.13
19.52
(4.45%)
(0.49%)
—
19.20
TBV/shzł
15.86
16.76
17.40
16.05
17.60
17.93
17.14
16.67
16.20
15.67
13.96
(2.30%)
0.05%
—
14.33
Dividend per shzł
29.10
32.26
32.93
34.71
34.06
34.88
34.37
37.10
36.04
41.27
11.40
3.91%
5.02%
—
10.60
Div yield (avg)%
25.34
22.67
24.28
22.84
21.06
22.36
19.93
19.98
20.04
23.00
7.16
20.04
22.51
40
26.78
Payout ratio%
17.79
20.18
22.96
22.75
25.12
25.40
22.55
23.84
23.11
22.50
22.44
23.11
22.85
58
144.0
Shares (diluted)M
152.2
166.6
173.6
175.1
179.9
176.2
196.4
181.1
199.9
203.7
146.3
2.52%
2.92%
24
19.39
Buyback yield%
5.26
4.40
2.91
2.85
2.51
3.35
1.51
0.40
1.62
0.40
24.84
1.51
2.68
61
174.52
Eq/Assets%
78.48
82.94
80.70
86.08
93.04
95.79
97.54
98.04
89.53
95.48
89.43
95.79
91.29
33
4.254
Assetszł B
5.752
6.106
6.808
7.141
7.666
8.421
9.310
9.805
10.81
11.54
2.875
8.52%
7.74%
24
1.369
LT debtzł B
6.850
7.441
7.474
8.660
9.824
10.53
11.98
14.07
13.70
15.75
3.125
9.90%
9.51%
60
Non-interest expense
1.93%
1.00×
Net interest income
68.81%
Non-interest income
31.19%