sn turnover (s) X Financial cost ratio (SI x Tax and other effects (xl a ROA (poet tax) (%) FinanciallevOtep(x) a ROE 154 ennuie growth (191 x NTSVsho• thvg11.) . Reported EPS "Mel growth (40 Spaces' Company d • a Numb* Bank mammies 2011 2012 2013 2014 2015E 2015E 2.78 384 4.40 509 532 6.30