45.15
Revenue$B
31.67
34.61
37.32
40.35
44.15
46.62
49.48
53.16
55.67
60.91
46.78
6.65%
7.54%
51
28.99
Revenue growth%
10.80
13.63
10.90
11.26
11.62
9.04
9.63
8.29
7.84
4.95
8.30
8.29
10.22
82
20.45
NIM%
16.50
15.83
14.30
15.07
16.61
14.36
12.87
10.51
9.08
10.03
11.16
10.51
14.33
87
19.93
Effic. R.%
0.57
1.15
2.65
1.27
3.12
3.12
5.60
7.47
9.40
9.86
3.92
7.47
3.12
33
2.44
Net margin%
22.42
25.03
22.64
22.15
19.67
19.19
17.63
19.10
21.87
22.42
6.92
19.19
22.01
24
10.40
P/E ratio (avg)x
14.08
13.87
15.15
16.23
17.96
18.98
18.07
19.60
19.89
21.65
6.270
19.60
18.02
28
10.24
P/TBVx
25.31
27.93
30.14
34.77
33.46
38.18
44.23
51.24
47.21
47.94
26.05
47.21
36.48
49
35.22
P/Bx
22.57
22.89
23.67
21.51
22.64
21.06
22.89
21.83
20.56
22.07
30.64
21.83
22.32
83
66.35
NII$B
17.77
19.56
21.10
22.77
24.89
26.39
27.59
30.07
31.30
34.45
32.02
6.72%
7.44%
—
4.90
NII grth%
39.80
37.55
36.88
39.22
39.43
41.71
43.94
44.52
43.14
45.76
5.19
43.94
40.75
23
8.12
ROTE%
0.40
2.33
3.51
3.24
5.41
5.43
2.46
0.40
0.40
1.39
21.18
1.39
2.39
65
25.99
Return on equity%
32.28
31.86
32.94
31.79
28.80
31.01
31.29
30.72
28.05
30.00
8.03
30.72
31.15
53
8.00
Return on assets%
12.56
11.40
8.86
6.87
4.30
1.98
1.56
2.85
0.63
2.01
9.27
1.98
3.58
15
21.15
EPS$
19.41
18.15
17.21
18.68
18.65
18.72
18.96
20.97
21.88
21.39
21.70
2.78%
0.46%
—
21.22
EPS growth%
2.66
0.40
0.40
0.40
0.40
0.40
1.60
0.40
0.40
1.07
25.88
0.40
0.40
63
24.80
Bookvalue per sh$
40.07
48.55
47.67
53.34
59.12
59.96
67.44
78.71
81.37
86.72
13.28
7.96%
9.64%
—
19.07
TBV/sh$
6.31
6.81
6.52
5.74
5.26
4.87
4.96
4.89
5.20
4.79
26.02
(1.88%)
(3.22%)
—
29.40
Dividend per sh$
35.36
35.40
33.20
37.07
35.40
34.89
37.70
41.15
46.18
48.37
4.64
6.44%
4.69%
—
4.93
Div yield (avg)%
20.42
23.08
20.18
19.65
20.39
18.81
17.46
15.79
15.54
17.92
4.30
17.46
19.23
81
18.72
Payout ratio%
24.70
25.03
22.37
24.02
25.42
26.01
27.51
25.11
27.82
29.04
25.13
27.51
25.26
63
1.487
Shares (diluted)B
1.113
1.104
1.030
0.906
0.819
0.815
0.848
0.749
0.767
0.694
1.487
(3.24%)
(5.21%)
80
12.67
Buyback yield%
5.97
8.93
8.77
11.61
9.60
11.30
11.35
13.23
11.59
10.04
4.71
11.35
10.67
89
148.46
Eq/Assets%
49.41
53.36
51.62
52.57
52.85
55.11
53.04
54.98
54.13
52.40
118.31
54.13
52.95
36
51.62
Assets$B
120.9
131.0
141.1
155.8
166.1
172.0
186.0
198.3
217.8
232.6
26.53
6.96%
7.47%
42
49.06
LT debt$B
38.06
44.46
46.25
47.13
47.63
53.14
54.47
62.78
69.38
79.17
39.83
10.70%
8.01%
37
Total assets
$232.6B
7.47%
0.99×
Revenue
$60.91B
7.54%
1.00×
Non-interest expense
$38.08B
7.64%
1.01×
Net interest income
56.55%
Non-interest income
43.45%
Spread over hurdle
(20.39%)