103.7
Revenue$B
103.9
111.5
119.5
130.3
136.7
146.1
155.1
169.4
177.6
186.1
111.8
6.36%
6.95%
58
9.88
Revenue growth%
19.22
17.93
15.12
15.96
15.22
14.12
13.53
16.22
15.66
14.19
8.38
14.19
15.44
9
6.78
NIM%
27.21
30.05
29.27
29.95
28.96
27.54
26.29
28.42
29.89
26.95
4.68
27.54
28.69
26
22.92
Effic. R.%
16.31
17.79
19.13
16.39
13.83
11.68
12.81
10.04
9.09
8.38
18.49
10.04
13.32
23
11.29
Net margin%
9.96
7.52
5.94
5.66
4.17
1.32
4.06
7.02
5.66
3.39
9.90
4.06
5.66
40
37.36
P/E ratio (avg)x
37.87
41.41
39.40
44.33
47.59
50.73
50.96
55.03
54.45
53.84
7.262
53.84
49.16
71
15.74
P/TBVx
48.64
49.46
51.98
50.68
51.34
61.22
73.49
74.08
77.84
90.06
35.48
74.08
56.60
42
15.06
P/Bx
17.47
16.11
14.91
13.13
14.07
12.01
12.23
12.64
11.08
9.657
35.71
12.01
12.88
22
50.70
NII$B
79.98
85.66
91.60
99.26
103.8
110.9
120.4
129.8
137.3
143.1
31.73
6.63%
6.90%
—
14.69
NII grth%
29.26
28.09
27.94
25.59
23.77
24.93
25.62
27.91
26.96
28.11
10.99
26.96
27.43
84
28.98
ROTE%
28.69
30.67
33.39
32.38
31.62
33.11
30.25
32.36
32.37
31.51
22.45
32.36
31.99
38
6.62
Return on equity%
3.42
5.34
5.21
6.05
3.89
2.40
4.44
5.95
4.79
2.27
28.69
4.44
4.62
35
4.69
Return on assets%
21.76
20.30
20.50
22.14
22.45
23.72
24.03
23.69
22.55
22.51
18.64
23.69
22.48
63
22.52
EPS$
48.95
49.88
43.85
44.82
42.08
41.41
36.02
31.74
32.36
33.67
23.51
(4.36%)
(4.43%)
—
5.77
EPS growth%
12.21
12.30
13.43
11.87
11.76
11.18
10.45
12.13
14.77
17.61
29.18
12.13
12.17
26
46.14
Bookvalue per sh$
20.64
21.04
21.64
25.52
27.22
31.05
36.76
43.28
49.60
57.37
55.73
16.08%
11.50%
—
40.34
TBV/sh$
27.20
26.20
24.98
25.72
29.04
30.27
32.95
33.93
37.82
35.68
62.13
4.21%
3.33%
—
48.84
Dividend per sh$
34.13
36.46
33.17
35.00
32.33
35.27
32.65
33.34
30.78
34.63
29.36
1.38%
1.24%
—
22.25
Div yield (avg)%
22.10
19.82
17.90
16.30
13.67
16.36
15.11
12.33
13.64
14.05
24.30
14.05
15.70
74
29.25
Payout ratio%
2.98
0.48
0.40
1.11
0.40
0.89
0.40
0.40
3.34
5.29
17.09
0.89
0.68
86
1.150
Shares (diluted)B
1.111
1.177
1.026
0.966
0.934
0.808
0.834
0.813
0.776
0.844
1.143
(2.00%)
(3.87%)
7
11.72
Buyback yield%
13.92
12.57
12.59
11.87
10.26
7.92
9.76
9.85
8.02
6.88
9.39
8.02
10.06
73
84.47
Eq/Assets%
80.74
80.62
94.66
107.92
127.04
125.07
127.80
144.85
157.87
170.65
161.54
144.85
126.05
94
94.19
Assets$B
328.5
356.0
408.0
446.9
463.6
527.6
576.8
634.9
657.8
722.8
138.9
9.29%
9.43%
37
42.80
LT debt$B
72.27
79.01
85.14
90.84
86.72
78.45
76.54
87.08
92.86
88.10
62.49
0.32%
2.62%
82
Total assets
$722.8B
9.43%
1.26×
Revenue
$186.1B
6.95%
1.00×
Non-interest expense
$106.6B
6.94%
1.00×
Net interest income
76.88%
Non-interest income
23.12%