1,315
Revenue$B
1,160
1,241
1,376
1,521
1,665
1,804
1,926
2,044
2,209
2,345
1,429
7.09%
8.18%
10
19.85
Revenue growth%
24.69
25.11
24.68
22.51
21.43
20.27
18.92
20.33
21.06
23.84
12.49
20.33
21.97
54
21.33
NIM%
17.32
19.88
19.32
19.96
17.77
15.63
16.21
18.01
16.47
17.39
29.49
16.47
17.58
20
2.42
Effic. R.%
20.44
18.39
19.85
18.18
21.09
23.16
24.70
23.41
22.81
23.29
27.50
23.29
21.95
19
20.00
Net margin%
18.84
19.67
19.22
17.56
19.14
18.58
19.29
18.79
17.64
15.51
20.68
18.58
18.82
42
23.60
P/E ratio (avg)x
67.57
81.49
98.13
100.4
117.7
117.1
126.3
135.0
139.4
158.6
8.985
135.0
117.4
19
35.50
P/TBVx
52.43
57.21
52.32
53.17
54.50
50.74
50.29
47.64
44.87
49.12
24.60
49.12
51.53
39
16.74
P/Bx
35.49
36.73
40.44
37.56
43.13
40.42
38.45
42.22
43.06
44.87
20.00
42.22
40.43
50
2,119
NII$B
875.5
927.9
1,038
1,148
1,245
1,342
1,457
1,552
1,637
1,745
1,241
6.98%
8.22%
—
17.32
NII grth%
18.48
15.77
16.02
15.21
14.79
17.11
19.69
22.68
23.94
22.85
15.60
22.68
17.79
19
22.01
ROTE%
3.28
1.28
3.70
2.86
3.57
5.03
7.10
10.00
8.37
9.41
9.10
8.37
4.37
37
9.69
Return on equity%
14.67
13.98
11.46
8.84
6.36
3.90
4.03
6.54
8.98
6.01
9.75
6.01
7.69
71
10.12
Return on assets%
12.92
15.71
17.03
19.07
18.07
20.88
18.30
18.02
19.12
19.09
5.45
19.09
18.18
66
1,258
EPS$
10,607
10,575
10,923
12,281
13,572
13,996
13,269
12,515
12,472
11,670
1,294
(2.98%)
2.10%
—
19.21
EPS growth%
20.57
20.11
18.25
15.60
16.43
16.72
16.75
15.37
14.02
11.06
7.92
15.37
16.58
35
3,874
Bookvalue per sh$
8,444
9,031
9,820
9,948
11,823
13,720
15,548
18,645
20,522
23,435
1,648
14.66%
12.06%
—
4,215
TBV/sh$
5,344
5,258
4,862
4,430
4,099
3,996
3,452
3,501
3,230
3,228
6,724
(4.66%)
(4.75%)
—
6,257
Dividend per sh$
14,260
14,843
17,683
19,833
20,885
22,090
24,838
28,193
30,036
29,440
6,784
7.11%
9.39%
—
3.11
Div yield (avg)%
27.65
24.90
26.35
24.91
25.87
22.98
22.48
23.99
25.53
25.95
7.67
23.99
25.22
44
22.54
Payout ratio%
15.83
14.92
13.26
13.22
14.79
14.21
12.71
11.19
10.31
8.13
18.18
11.19
13.24
21
222.8
Shares (diluted)M
214.5
233.9
215.3
234.5
242.6
233.1
211.8
221.6
226.3
213.0
215.0
(2.57%)
0.69%
54
20.91
Buyback yield%
0.57
0.40
2.35
1.45
2.73
1.55
1.34
3.15
0.43
1.81
25.38
1.55
1.50
22
168.82
Eq/Assets%
82.80
80.86
85.67
83.42
81.42
82.67
83.19
83.81
87.70
80.05
71.61
83.19
83.00
38
1,414
Assets$B
2,367
2,479
2,766
3,063
3,301
3,550
3,927
4,218
4,628
5,117
1,192
9.16%
8.58%
57
1,601
LT debt$B
1,739
1,825
1,815
1,882
1,883
1,829
1,741
1,568
1,669
1,482
493.8
(4.67%)
(1.47%)
69
Total assets
$5.117T
8.58%
1.04×
Revenue
$2.345T
8.18%
1.00×
Non-interest expense
$1.321T
8.42%
1.02×
Net interest income
74.41%
Non-interest income
25.59%