2.201
Revenuezł M
3.284
3.397
3.453
3.621
3.725
3.960
4.105
4.182
4.320
4.525
2.311
3.97%
3.61%
12
14.33
Revenue growth%
25.00
22.35
23.77
26.20
23.42
25.61
23.38
23.57
23.48
20.53
27.38
23.48
23.53
90
22.02
NIM%
14.43
13.96
15.38
12.95
13.77
14.69
14.50
12.92
10.02
7.44
5.83
12.92
13.86
40
21.19
Effic. R.%
8.39
8.30
9.59
11.04
13.24
14.25
16.42
18.67
17.97
17.78
3.81
17.78
13.75
53
27.72
Net margin%
16.62
13.81
12.07
12.40
11.59
11.70
9.79
7.76
10.02
8.29
25.48
9.79
11.65
25
10.77
P/E ratio (avg)x
6.801
7.160
7.918
7.588
6.805
7.076
7.696
7.768
8.625
8.539
18.47
7.768
7.642
26
28.24
P/TBVx
32.93
30.55
31.99
34.93
36.04
38.72
43.01
38.31
41.92
42.99
27.17
41.92
37.18
65
15.43
P/Bx
25.91
25.53
21.96
19.35
17.25
18.37
19.34
19.39
19.71
19.63
8.511
19.39
19.51
48
2.586
NIIzł M
1.918
2.025
2.055
2.140
2.194
2.312
2.385
2.504
2.535
2.715
0.955
4.35%
3.68%
—
25.39
NII grth%
17.22
18.92
21.84
19.94
21.20
21.27
18.58
17.27
15.91
17.16
20.81
17.27
18.75
78
29.38
ROTE%
15.65
17.82
17.82
16.02
14.36
12.36
12.29
11.42
13.27
13.94
9.90
12.36
14.15
65
2.90
Return on equity%
14.49
14.64
16.64
15.64
14.30
12.37
9.47
12.27
11.85
10.14
17.43
11.85
13.34
36
22.86
Return on assets%
13.58
16.34
16.75
16.83
19.04
17.89
19.38
21.62
19.00
18.39
13.89
19.00
18.14
22
0.11
EPSzł
0.51
0.56
0.55
0.59
0.66
0.79
0.88
1.02
1.17
1.38
0.11
15.90%
10.34%
—
19.52
EPS growth%
11.03
10.75
8.38
5.42
7.50
4.87
2.54
3.11
1.14
3.90
19.52
3.11
5.14
47
0.29
Bookvalue per shzł
0.34
0.35
0.38
0.43
0.46
0.50
0.53
0.49
0.51
0.55
0.35
3.36%
6.19%
—
0.24
TBV/shzł
0.38
0.35
0.38
0.36
0.33
0.30
0.29
0.28
0.30
0.27
0.44
(3.72%)
(3.10%)
—
0.30
Dividend per shzł
0.43
0.41
0.44
0.42
0.49
0.52
0.59
0.66
0.68
0.73
0.22
8.63%
6.47%
—
3.94
Div yield (avg)%
8.18
9.41
11.70
11.27
11.25
11.29
9.83
8.87
7.02
6.40
28.87
8.87
9.62
63
25.33
Payout ratio%
18.87
19.03
19.01
18.22
21.03
21.14
19.17
17.28
20.03
21.28
27.21
20.03
19.10
63
9.410
Shares (diluted)M
14.78
15.87
16.00
18.26
17.72
17.84
20.23
19.34
21.21
22.29
9.423
4.70%
5.10%
59
4.62
Buyback yield%
21.45
21.83
24.16
22.38
24.34
27.14
26.88
29.76
31.77
30.26
29.80
29.76
25.61
37
129.27
Eq/Assets%
176.72
190.72
190.92
177.33
188.69
188.43
196.10
182.61
210.86
211.15
105.98
196.10
189.71
72
4.443
Assetszł M
1.556
1.612
1.737
1.847
2.059
2.292
2.461
2.623
2.885
3.088
4.563
8.44%
8.06%
67
4.737
LT debtzł M
1.412
1.345
1.290
1.262
1.288
1.220
1.210
1.267
1.164
1.148
3.806
(2.29%)
(1.51%)
72
Non-interest expense
3.71%
1.01×
Net interest income
60.00%
Non-interest income
40.00%
Return on capital
143.76%