0.947
Revenuezł B
6.287
6.715
7.041
7.533
7.892
8.124
8.504
8.687
9.249
9.656
1.043
4.12%
4.76%
89
21.46
Revenue growth%
18.55
18.20
21.17
22.81
25.11
26.94
29.38
30.42
28.47
27.81
14.14
28.47
26.03
5
12.74
NIM%
5.02
2.95
2.39
3.62
3.85
5.83
8.27
6.57
7.21
7.23
28.07
7.21
5.43
64
21.67
Effic. R.%
9.56
7.02
9.11
11.01
13.19
13.45
15.43
15.72
15.50
15.01
16.63
15.43
13.32
18
11.56
Net margin%
4.71
6.53
6.09
8.86
6.82
6.08
8.24
8.42
6.09
4.68
8.47
6.09
6.31
14
18.91
P/E ratio (avg)x
31.21
33.13
33.12
32.02
31.25
32.02
28.07
29.41
28.43
28.15
30.43
28.43
31.23
57
25.66
P/TBVx
15.81
15.38
16.45
15.14
14.07
13.56
14.09
13.54
12.31
13.78
36.32
13.56
14.08
85
7.975
P/Bx
19.96
21.03
21.76
21.72
19.78
19.14
18.66
20.06
19.03
20.24
7.169
19.14
20.01
11
7.586
NIIzł B
4.227
4.498
4.752
5.079
5.265
5.544
5.820
5.805
6.324
6.548
9.609
4.46%
4.92%
—
10.86
NII grth%
28.82
27.15
26.15
24.24
24.73
27.34
28.24
25.53
27.68
30.40
6.99
27.68
27.25
26
26.54
ROTE%
23.65
25.81
23.20
21.41
24.08
21.34
22.11
22.98
22.31
20.80
26.42
22.11
22.65
42
15.41
Return on equity%
34.72
36.55
36.01
34.41
33.48
36.34
34.92
34.48
34.93
36.92
6.70
34.93
34.93
84
22.46
Return on assets%
2.05
1.30
3.22
2.96
3.48
5.54
7.86
8.93
7.11
9.00
15.15
7.86
4.51
89
0.49
EPSzł
2.05
2.05
1.88
1.90
2.05
2.22
2.10
2.26
1.96
2.11
0.51
0.56%
0.87%
—
29.55
EPS growth%
14.21
13.19
13.61
15.40
14.33
15.39
15.68
12.71
10.76
10.72
7.73
12.71
13.91
64
2.25
Bookvalue per shzł
0.78
0.69
0.68
0.65
0.71
0.64
0.64
0.64
0.66
0.61
2.16
(2.99%)
(3.91%)
—
1.93
TBV/shzł
0.42
0.40
0.37
0.41
0.44
0.41
0.38
0.35
0.33
0.29
0.87
(7.96%)
(4.07%)
—
0.81
Dividend per shzł
1.73
1.92
2.15
2.31
2.40
2.63
2.97
3.16
2.99
3.27
1.58
6.43%
5.91%
—
24.83
Div yield (avg)%
8.52
8.55
7.15
6.61
3.84
0.97
2.02
1.63
3.48
0.55
27.27
1.63
3.66
28
23.72
Payout ratio%
23.59
25.98
25.42
23.49
21.72
23.75
25.59
23.23
23.28
25.05
22.67
23.75
23.67
17
1.218
Shares (diluted)B
1.657
1.861
1.761
2.041
2.336
2.440
2.616
2.998
3.124
3.238
1.232
6.75%
8.36%
56
5.51
Buyback yield%
15.66
13.95
13.35
12.60
13.59
11.52
12.57
9.62
11.42
9.68
27.27
11.42
12.58
63
132.86
Eq/Assets%
177.94
171.57
183.74
214.68
219.42
254.46
246.38
291.65
309.97
303.24
27.73
291.65
232.90
71
4.073
Assetszł B
8.450
8.917
9.818
10.63
12.09
13.06
14.20
14.97
16.29
17.67
9.274
7.89%
8.58%
63
4.730
LT debtzł B
6.873
8.095
7.852
8.792
8.492
8.977
9.842
11.62
13.71
14.92
8.839
11.93%
8.52%
12
Non-interest expense
4.69%
0.99×
Net interest income
67.82%
Non-interest income
32.18%