11.91
Revenuezł B
13.20
13.94
14.73
16.00
17.30
18.33
19.56
21.25
22.74
24.44
12.88
7.15%
7.02%
56
4.66
Revenue growth%
9.04
10.56
8.00
10.30
12.54
12.62
15.47
12.50
12.91
12.33
5.52
12.62
12.42
40
18.02
NIM%
14.64
12.20
12.14
11.24
14.23
14.70
12.85
11.01
12.40
14.12
21.48
12.85
12.62
61
6.03
Effic. R.%
5.63
5.97
3.10
6.09
4.12
4.24
3.07
2.36
2.92
0.82
2.72
2.92
3.61
5
25.27
Net margin%
13.91
11.13
11.18
11.17
12.65
14.62
13.84
14.54
13.87
15.63
24.88
14.54
13.85
45
22.76
P/E ratio (avg)x
6.550
6.374
6.604
6.107
6.029
6.572
5.964
5.666
5.144
5.432
17.78
5.666
6.068
26
21.56
P/TBVx
25.98
23.49
22.04
19.15
17.54
18.60
17.69
15.75
13.54
14.53
27.15
15.75
18.15
87
36.80
P/Bx
24.01
24.97
28.87
31.62
36.18
36.73
39.38
47.87
52.61
59.41
27.39
47.87
36.45
25
24.05
NIIzł B
8.509
9.009
9.236
10.23
10.96
11.70
12.44
13.57
14.47
15.58
5.932
7.28%
7.20%
—
26.95
NII grth%
9.61
9.45
8.03
6.08
4.24
6.88
7.28
7.71
8.58
11.26
23.86
7.71
7.87
42
18.42
ROTE%
9.71
9.68
7.44
7.18
6.64
9.08
10.88
12.48
10.44
8.38
15.08
10.44
9.38
42
29.44
Return on equity%
7.41
9.52
9.43
8.79
10.09
7.81
7.11
4.71
3.93
6.31
24.00
6.31
7.61
90
4.62
Return on assets%
10.63
12.76
14.04
13.23
13.33
15.61
16.73
18.28
19.35
21.29
12.19
18.28
14.82
95
264.63
EPSzł
203.63
185.19
206.24
194.09
183.31
165.11
146.24
159.40
154.86
159.66
280.60
(2.72%)
(1.58%)
—
13.32
EPS growth%
19.11
19.21
19.15
16.91
19.77
17.17
18.91
21.31
20.67
21.66
22.26
20.67
19.18
23
285.69
Bookvalue per shzł
508.50
565.23
586.96
680.25
727.87
763.97
869.49
851.42
984.51
1,148
134.37
9.53%
9.57%
—
298.99
TBV/shzł
309.32
342.50
341.11
342.25
352.00
399.44
450.04
524.53
602.34
660.61
256.98
13.42%
8.50%
—
278.35
Dividend per shzł
406.28
424.92
502.18
551.62
544.88
543.69
566.91
562.00
618.10
674.99
118.22
4.38%
6.41%
—
21.59
Div yield (avg)%
14.25
13.01
12.05
12.25
12.24
15.18
12.81
10.52
11.56
12.24
13.25
12.24
12.25
51
23.06
Payout ratio%
18.40
15.52
16.10
13.37
10.75
7.80
10.66
12.56
13.94
16.83
13.53
12.56
13.66
64
42.60
Shares (diluted)M
37.14
37.21
32.77
31.52
27.83
28.74
24.64
21.73
19.11
17.54
43.54
(8.81%)
(7.09%)
86
17.79
Buyback yield%
14.96
14.52
16.57
19.31
21.89
19.00
16.18
15.66
16.32
17.60
28.98
16.32
16.44
28
119.98
Eq/Assets%
15.78
14.89
14.68
15.57
14.07
14.98
13.82
12.16
12.77
14.12
151.47
13.82
14.40
83
2.929
Assetszł B
20.12
22.22
23.54
26.79
29.14
31.24
35.43
38.58
42.09
46.83
8.798
9.95%
9.56%
79
6.295
LT debtzł B
8.825
7.829
6.791
7.296
7.455
6.609
5.910
6.346
5.868
5.452
22.16
(6.07%)
(4.53%)
13
Non-interest expense
7.13%
1.01×
Net interest income
63.74%
Non-interest income
36.26%
Spread over hurdle
32.18%