0.680
Revenuezł M
5.651
6.061
6.484
7.072
7.527
8.275
9.084
9.568
10.33
11.22
0.742
8.31%
7.76%
64
15.36
Revenue growth%
1.57
4.26
6.21
6.37
6.71
5.94
7.68
4.80
1.84
1.51
19.79
4.80
5.37
57
10.34
NIM%
8.44
7.31
8.37
10.45
10.14
12.21
13.86
14.04
13.17
12.45
21.74
13.17
11.33
46
3.06
Effic. R.%
6.30
4.65
5.04
6.34
3.36
3.21
2.34
0.40
2.06
2.39
11.66
2.34
3.29
39
5.01
Net margin%
20.48
20.56
21.14
20.94
19.60
18.62
17.95
20.84
21.52
24.51
20.85
20.84
20.70
24
25.92
P/E ratio (avg)x
18.26
19.08
21.52
21.08
19.61
19.51
18.15
17.46
18.38
20.16
26.71
18.38
19.29
52
26.58
P/TBVx
36.99
34.33
35.45
34.81
38.35
35.08
36.33
37.68
41.31
39.88
13.29
37.68
36.66
58
27.99
P/Bx
36.52
31.97
34.17
30.86
32.51
32.89
31.85
29.75
26.09
23.41
10.83
29.75
31.91
46
4.381
NIIzł M
3.491
3.712
4.061
4.369
4.682
5.178
5.532
6.003
6.292
6.838
6.398
7.87%
7.46%
—
14.37
NII grth%
13.62
14.72
16.91
15.97
13.99
11.30
9.21
7.71
9.46
11.45
19.95
9.46
12.54
36
28.69
ROTE%
14.26
16.75
17.82
15.10
17.03
15.79
18.33
15.35
16.66
15.52
20.63
15.79
16.23
89
6.42
Return on equity%
29.17
28.83
26.19
24.24
25.23
27.72
27.42
25.07
22.56
21.77
6.35
25.07
25.71
73
23.34
Return on assets%
4.89
2.87
4.63
6.29
3.39
2.79
3.93
4.20
4.89
2.93
10.32
3.93
4.06
36
0.03
EPSzł
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.03
0.03
0.03
0.03
9.59%
9.59%
—
2.84
EPS growth%
8.02
8.47
6.25
6.75
3.84
4.23
5.67
7.59
7.85
9.47
9.49
7.59
7.17
90
0.01
Bookvalue per shzł
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
6.27%
4.49%
—
0.01
TBV/shzł
0.02
0.02
0.02
0.02
0.02
0.01
0.01
0.01
0.01
0.01
0.01
(5.28%)
(3.78%)
—
0.01
Dividend per shzł
0.04
0.04
0.04
0.04
0.04
0.04
0.05
0.04
0.05
0.05
0.01
3.50%
4.16%
—
14.99
Div yield (avg)%
18.46
20.09
19.73
22.30
25.21
24.81
24.18
24.04
22.67
22.15
22.86
24.04
22.48
40
8.17
Payout ratio%
32.53
30.96
32.62
35.42
37.04
36.00
33.97
36.88
36.99
38.11
21.20
36.88
35.71
17
193.6
Shares (diluted)M
145.2
150.1
137.7
120.0
130.4
119.5
106.7
101.6
89.47
91.41
191.0
(6.85%)
(4.71%)
93
27.37
Buyback yield%
25.15
22.36
21.99
22.70
24.30
25.88
24.79
26.62
25.21
24.12
13.78
25.21
24.54
88
81.46
Eq/Assets%
320.51
368.48
400.47
412.51
483.33
496.12
501.74
488.44
541.17
527.03
106.29
501.74
485.89
79
7.423
Assetszł M
4.625
5.225
5.594
6.039
6.406
6.820
7.546
7.775
8.827
9.204
4.470
7.52%
8.05%
95
3.361
LT debtzł M
7.270
7.049
7.625
7.708
7.458
7.200
8.380
9.290
10.79
12.41
11.96
10.72%
5.26%
63
Non-interest expense
7.82%
1.01×
Net interest income
60.97%
Non-interest income
39.03%