1,064
Revenue$B
1,090
1,189
1,261
1,374
1,479
1,597
1,713
1,888
2,033
2,235
1,138
8.60%
8.45%
88
25.96
Revenue growth%
7.08
5.41
5.45
5.85
3.94
2.45
3.86
3.75
6.19
6.74
2.78
3.86
5.43
14
19.62
NIM%
17.22
17.57
17.48
17.72
16.57
18.80
18.69
18.37
15.80
18.73
17.48
18.69
17.64
83
10.56
Effic. R.%
4.70
4.03
6.06
6.79
6.54
7.95
8.68
6.09
4.23
5.95
6.01
6.09
6.07
41
17.36
Net margin%
18.18
18.63
17.19
15.75
13.56
15.57
14.31
14.88
17.57
18.24
24.68
15.57
16.47
62
32.64
P/E ratio (avg)x
19.25
18.53
19.99
20.11
17.75
16.33
14.90
14.54
15.75
17.11
16.74
15.75
17.43
48
28.88
P/TBVx
46.92
54.02
60.59
71.55
79.69
87.14
96.23
102.9
121.9
134.7
15.88
102.9
83.42
16
15.92
P/Bx
36.71
37.84
40.81
46.27
44.38
47.32
50.89
52.69
58.30
58.37
15.43
52.69
46.79
31
1,195
NII$B
783.9
847.5
888.2
991.4
1,052
1,139
1,221
1,360
1,451
1,577
401.1
8.42%
8.40%
—
5.86
NII grth%
10.63
13.48
13.00
15.76
18.24
20.70
20.95
19.79
21.91
24.02
25.94
20.95
19.02
90
6.92
ROTE%
22.27
21.12
20.18
22.26
23.57
25.75
27.40
29.24
30.26
32.10
4.88
29.24
24.66
83
8.99
Return on equity%
22.76
23.96
21.14
20.84
22.35
20.46
22.61
24.72
22.67
22.70
2.94
22.67
22.64
75
24.19
Return on assets%
13.43
12.68
12.63
15.16
14.46
14.59
16.06
15.58
17.61
20.42
15.86
16.06
14.87
75
389.08
EPS$
216.54
211.77
233.86
233.51
228.78
236.59
238.57
266.45
243.63
252.96
415.90
2.03%
2.59%
—
12.80
EPS growth%
8.61
8.82
7.44
5.29
4.32
3.21
1.98
2.60
4.57
2.26
14.52
2.60
4.45
75
195.87
Bookvalue per sh$
349.42
325.86
326.85
319.89
351.45
365.96
389.59
430.11
383.18
372.25
197.29
1.16%
0.13%
—
107.29
TBV/sh$
139.03
146.17
138.39
142.56
141.17
148.25
161.80
147.07
151.72
133.20
582.92
(1.16%)
0.20%
—
550.21
Dividend per sh$
453.41
494.59
475.27
466.32
481.04
422.18
428.03
411.35
451.19
494.78
161.37
0.56%
1.42%
—
9.05
Div yield (avg)%
16.92
15.60
13.97
11.73
9.76
9.21
8.62
7.11
4.91
5.95
10.23
7.11
9.48
83
17.78
Payout ratio%
31.17
30.50
29.36
32.36
31.23
29.32
29.56
30.75
29.69
30.48
27.71
29.69
30.49
62
1.649
Shares (diluted)B
2.135
2.265
2.620
2.473
2.553
2.815
3.165
3.069
3.053
3.475
1.623
6.36%
5.02%
43
25.38
Buyback yield%
2.01
3.57
5.75
5.55
3.24
5.24
6.62
6.29
9.25
12.18
18.37
6.62
5.65
46
94.65
Eq/Assets%
33.47
32.50
30.50
32.37
34.80
30.22
29.23
29.45
27.32
27.35
121.33
29.23
30.36
65
964.9
Assets$B
6,902
7,453
7,886
8,367
8,843
9,814
10,774
11,341
12,286
13,280
466.7
8.47%
7.78%
91
199.4
LT debt$B
1,612
1,502
1,499
1,426
1,509
1,678
1,777
1,802
1,819
1,910
960.8
4.83%
2.07%
18
Total assets
$13.28T
7.78%
0.94×
Revenue
$2.235T
8.45%
1.00×
Non-interest expense
$1.032T
8.72%
1.03×
Net interest income
70.55%
Non-interest income
29.45%