3.227
Revenuezł B
19.05
19.76
20.66
22.09
23.30
24.25
25.40
25.96
26.66
27.82
3.349
3.61%
4.54%
58
25.03
Revenue growth%
21.78
23.76
21.10
23.42
23.96
24.17
21.36
19.53
16.63
19.44
8.09
19.53
21.57
10
9.30
NIM%
31.05
28.06
29.26
28.33
28.31
26.60
27.98
29.29
31.79
29.37
10.56
29.29
28.80
59
26.94
Effic. R.%
14.32
16.20
17.05
14.56
12.49
14.24
15.58
18.40
17.36
20.32
19.22
17.36
15.89
55
10.67
Net margin%
7.07
4.46
7.09
7.12
5.95
3.69
4.74
5.57
3.64
6.55
2.98
4.74
5.76
24
27.22
P/E ratio (avg)x
31.97
36.98
37.58
35.44
37.36
37.81
42.88
47.80
46.65
54.47
9.932
46.65
37.70
49
29.92
P/TBVx
24.37
24.49
28.89
33.89
32.98
33.29
38.35
40.94
44.15
49.61
30.89
40.94
33.59
72
23.29
P/Bx
37.55
35.01
38.66
41.68
45.74
48.66
55.01
54.66
51.29
57.55
21.79
54.66
47.20
29
4.101
NIIzł B
11.24
11.68
12.46
13.03
13.86
14.66
14.92
15.67
16.00
16.33
13.20
3.33%
4.35%
—
4.11
NII grth%
1.11
0.40
0.40
1.41
4.02
2.48
3.88
2.11
2.81
1.43
13.15
2.48
1.77
40
4.59
ROTE%
6.32
7.23
5.54
3.55
1.63
4.50
1.67
0.60
0.40
0.40
26.00
0.60
2.61
48
4.13
Return on equity%
27.29
25.05
25.01
22.97
23.00
23.33
25.92
24.87
23.72
21.59
25.61
23.72
24.29
40
12.74
Return on assets%
15.32
15.19
15.89
13.36
13.43
16.00
16.64
16.61
14.51
12.91
7.81
16.00
15.25
34
35.65
EPSzł
44.86
47.71
48.00
54.62
62.74
68.39
74.53
72.84
72.69
84.73
38.02
6.19%
8.15%
—
11.78
EPS growth%
6.88
7.01
8.97
8.11
7.71
9.08
10.99
11.76
10.93
12.18
11.37
10.99
9.02
17
41.77
Bookvalue per shzł
17.73
16.82
16.38
14.60
14.88
15.44
16.71
17.89
17.54
15.54
17.76
0.88%
(1.29%)
—
13.83
TBV/shzł
18.71
21.04
24.87
29.32
34.13
40.90
46.74
49.28
53.02
63.76
10.63
13.31%
13.04%
—
29.29
Dividend per shzł
10.32
11.17
10.62
9.76
8.41
7.29
6.80
6.66
6.10
5.23
36.10
(9.07%)
(7.04%)
—
21.79
Div yield (avg)%
4.42
1.50
1.75
0.40
0.40
1.45
0.80
1.19
3.96
5.52
3.02
1.45
1.48
37
2.10
Payout ratio%
16.21
15.77
14.60
15.58
13.57
15.75
15.99
15.54
13.21
10.85
17.26
15.54
15.56
72
130.1
Shares (diluted)M
156.6
166.1
196.8
212.0
245.0
233.5
261.6
284.6
289.3
279.6
130.0
2.67%
5.96%
47
5.66
Buyback yield%
10.09
7.11
7.20
5.10
7.47
8.35
9.47
10.12
10.25
10.71
18.85
10.12
8.91
77
168.41
Eq/Assets%
156.83
151.01
164.31
163.18
187.96
211.38
225.46
235.94
265.92
308.76
161.59
235.94
199.67
33
12.69
Assetszł B
61.37
67.98
72.32
79.65
85.89
93.42
98.52
102.5
114.4
121.6
17.08
7.20%
7.95%
17
11.22
LT debtzł B
7.566
7.172
7.753
8.428
8.463
9.075
8.916
7.814
7.396
6.558
4.502
(4.97%)
(2.34%)
81
Non-interest expense
4.47%
0.99×
Net interest income
58.69%
Non-interest income
41.31%