44.99
Revenuezł M
95.49
98.73
102.0
105.0
112.5
115.9
123.1
129.6
134.3
142.3
48.23
4.81%
4.48%
21
16.43
Revenue growth%
6.91
7.46
6.64
5.51
7.71
6.04
4.40
5.98
8.14
9.62
26.77
6.04
6.78
91
17.49
NIM%
14.63
11.74
12.25
9.81
11.60
9.13
8.52
6.33
5.50
5.09
7.18
6.33
9.47
54
13.22
Effic. R.%
8.33
8.42
6.77
4.46
3.33
3.17
5.95
4.27
2.55
0.40
6.07
3.17
4.37
53
22.07
Net margin%
15.58
17.88
17.33
17.22
19.22
17.00
19.19
17.39
18.40
19.09
10.61
18.40
17.63
11
6.218
P/E ratio (avg)x
24.57
25.86
27.71
29.43
32.89
36.15
42.66
49.65
50.24
53.64
17.48
49.65
34.52
14
33.05
P/TBVx
32.19
33.48
31.21
30.49
29.87
29.10
32.44
33.68
33.71
31.74
12.80
32.44
31.96
73
18.43
P/Bx
26.42
28.97
30.75
34.12
36.35
40.99
39.31
38.79
41.40
46.84
34.55
40.99
37.57
29
179.0
NIIzł M
66.30
68.51
72.26
72.76
79.47
81.61
86.35
90.66
94.30
98.98
121.8
4.49%
4.38%
—
25.57
NII grth%
30.94
31.74
34.41
36.83
39.61
41.49
42.82
42.26
42.85
41.48
24.55
42.26
40.55
38
22.61
ROTE%
25.53
24.60
25.33
24.29
26.70
23.97
25.52
28.40
29.17
26.84
10.01
26.84
25.53
34
24.78
Return on equity%
28.29
29.69
29.50
27.52
28.59
28.54
28.64
29.66
29.73
29.74
15.49
29.66
29.07
81
10.08
Return on assets%
13.36
15.37
15.45
15.16
15.75
18.39
15.86
14.79
15.76
17.43
17.90
15.86
15.60
65
0.54
EPSzł
1.47
1.61
1.58
1.53
1.44
1.60
1.59
1.73
1.62
1.75
0.59
4.03%
3.14%
—
10.80
EPS growth%
17.86
15.61
17.02
18.82
16.52
14.79
16.87
16.74
17.51
14.55
17.18
16.74
16.80
65
0.31
Bookvalue per shzł
0.56
0.63
0.67
0.72
0.77
0.80
0.82
0.96
1.05
1.19
0.93
9.08%
9.26%
—
0.39
TBV/shzł
1.06
1.04
0.99
1.03
1.15
1.30
1.39
1.54
1.41
1.43
1.01
4.46%
4.21%
—
0.74
Dividend per shzł
0.76
0.87
0.86
0.97
1.04
1.21
1.31
1.51
1.61
1.79
0.36
11.59%
8.95%
—
15.28
Div yield (avg)%
27.54
26.30
23.38
25.07
24.98
23.80
25.82
23.49
22.02
23.17
16.48
23.49
24.39
53
9.73
Payout ratio%
26.69
29.02
28.24
30.19
28.31
26.18
26.97
27.41
28.26
28.17
14.03
27.41
28.21
49
95.47
Shares (diluted)M
146.1
172.4
195.2
222.5
216.7
224.1
241.9
239.2
233.3
264.3
94.35
4.06%
7.61%
68
2.90
Buyback yield%
12.40
15.03
17.67
19.01
20.72
18.91
17.28
18.48
18.04
17.31
17.06
18.04
17.85
70
169.20
Eq/Assets%
91.58
106.37
114.52
124.33
132.68
147.98
141.01
150.71
152.92
145.97
116.37
147.98
136.84
74
44.59
Assetszł M
71.00
78.98
88.21
96.55
104.9
108.6
118.1
121.6
130.9
143.0
164.6
6.40%
8.21%
37
36.00
LT debtzł M
103.8
97.46
106.4
118.8
121.4
119.7
112.7
128.6
134.7
139.9
106.1
2.88%
3.10%
40
Non-interest expense
4.40%
0.99×
Net interest income
69.54%
Non-interest income
30.46%