2.941
Revenue$M
4.099
4.445
4.906
5.294
5.598
5.960
6.374
6.746
7.243
7.859
3.172
7.02%
7.76%
58
7.39
Revenue growth%
26.77
24.67
24.39
26.32
27.81
27.01
29.06
27.83
27.55
27.42
14.44
27.55
27.22
56
23.86
NIM%
21.29
19.70
17.99
18.55
17.83
19.50
20.49
19.76
19.34
19.78
4.08
19.76
19.60
37
29.65
Effic. R.%
14.87
12.01
9.60
6.82
6.12
5.23
2.25
2.30
0.40
2.03
15.62
2.25
5.68
81
2.44
Net margin%
25.46
22.99
23.42
23.38
24.24
21.35
24.29
21.76
22.05
24.12
11.48
22.05
23.40
35
36.77
P/E ratio (avg)x
6.574
6.713
7.383
8.423
8.280
8.574
8.266
8.566
8.273
8.843
10.97
8.566
8.277
86
37.97
P/TBVx
35.27
33.23
31.41
30.37
31.04
31.86
36.62
41.28
39.75
38.17
24.02
38.17
34.25
37
16.83
P/Bx
48.04
51.99
57.54
64.61
59.02
55.99
54.61
60.88
57.55
56.85
36.33
56.85
57.20
6
6.511
NII$M
3.008
3.273
3.553
3.831
4.092
4.308
4.620
4.968
5.264
5.694
0.849
6.83%
7.56%
—
18.43
NII grth%
15.06
12.57
11.39
13.78
15.38
14.07
12.46
12.79
13.74
13.39
3.84
13.39
13.56
89
24.53
ROTE%
17.71
15.50
12.90
10.38
9.18
7.68
10.55
11.44
10.78
8.92
29.33
10.55
10.66
45
28.80
Return on equity%
7.32
5.83
4.96
6.72
5.24
6.25
7.00
4.38
4.42
2.28
22.32
4.42
5.54
89
5.80
Return on assets%
28.69
28.63
31.46
34.17
31.89
31.73
34.18
33.80
33.21
34.89
21.07
33.80
32.55
65
0.01
EPS$
0.03
0.03
0.04
0.04
0.04
0.04
0.05
0.05
0.06
0.06
0.01
10.66%
10.47%
—
12.79
EPS growth%
29.54
30.85
28.82
29.96
27.81
29.15
30.38
28.47
27.44
27.21
11.38
28.47
28.99
53
0.03
Bookvalue per sh$
0.02
0.02
0.02
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.03
8.59%
7.55%
—
0.01
TBV/sh$
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
(5.94%)
(3.42%)
—
0.03
Dividend per sh$
0.03
0.03
0.03
0.03
0.03
0.02
0.03
0.03
0.03
0.03
0.02
1.63%
0.02%
—
11.96
Div yield (avg)%
19.83
21.42
21.45
18.87
18.23
18.25
16.05
15.18
12.71
13.23
26.66
15.18
18.24
13
6.99
Payout ratio%
26.27
28.40
28.58
28.47
27.19
25.52
24.89
27.23
29.37
27.26
4.94
27.23
27.25
33
121.6
Shares (diluted)M
130.3
145.3
136.0
136.2
153.2
166.1
190.7
194.1
197.6
198.0
117.8
5.26%
4.05%
93
26.68
Buyback yield%
21.10
18.79
21.64
19.26
16.91
16.01
14.54
13.01
11.76
10.71
28.03
13.01
16.46
91
148.16
Eq/Assets%
148.35
150.34
152.12
150.75
150.55
169.27
157.47
153.75
175.17
172.77
153.77
169.27
152.93
47
1.796
Assets$M
7.477
7.803
8.471
9.285
9.929
10.92
11.57
12.71
13.81
15.05
0.804
8.67%
7.98%
42
1.997
LT debt$M
1.187
1.084
1.199
1.242
1.120
1.052
1.022
1.045
0.977
1.003
6.441
(2.19%)
(2.49%)
75
Total assets
$15.05M
7.98%
1.02×
Revenue
$7.859M
7.76%
1.00×
Non-interest expense
$4.025M
7.73%
1.00×
Net interest income
72.46%
Non-interest income
27.54%