3,387
Revenue$B
3,020
3,352
3,586
3,913
4,252
4,590
5,014
5,556
6,010
6,505
3,506
8.88%
9.03%
6
11.33
Revenue growth%
21.43
21.14
22.86
25.47
22.78
23.33
20.85
20.94
22.25
24.28
15.12
22.25
22.51
74
22.46
NIM%
5.40
3.67
5.90
6.30
3.62
2.12
0.40
3.08
2.07
3.73
12.09
2.12
3.65
82
11.51
Effic. R.%
12.08
9.75
8.27
7.97
9.20
10.20
7.37
6.36
3.98
4.49
22.83
6.36
8.12
59
12.01
Net margin%
26.68
29.59
27.93
26.74
28.28
29.96
31.99
30.42
33.32
31.53
17.75
31.53
29.78
80
27.43
P/E ratio (avg)x
18.38
16.45
15.97
14.09
14.66
14.64
16.00
17.71
18.88
17.70
8.128
17.70
16.23
55
11.52
P/TBVx
33.08
33.65
32.25
33.00
30.32
26.98
25.61
25.78
22.33
22.98
14.19
25.61
28.65
87
14.96
P/Bx
18.26
20.81
20.17
23.54
22.49
22.60
24.86
29.49
34.60
33.65
15.63
29.49
23.07
29
3,384
NII$B
2,334
2,558
2,720
3,009
3,257
3,475
3,826
4,249
4,643
5,006
807.3
8.98%
8.99%
—
9.83
NII grth%
11.09
8.93
10.50
8.43
10.72
12.87
14.60
17.25
16.07
17.48
6.75
16.07
11.98
34
17.85
ROTE%
13.77
12.01
11.40
11.37
9.35
8.49
9.29
9.91
7.11
6.78
24.23
8.49
9.63
42
7.76
Return on equity%
15.21
17.14
16.74
19.06
20.38
22.81
25.25
23.49
22.30
20.06
5.52
22.81
20.22
81
10.31
Return on assets%
7.71
6.58
5.76
3.97
1.46
2.39
2.75
2.51
0.82
2.84
27.03
2.51
2.80
32
10.81
EPS$
8.51
8.71
8.14
9.34
10.08
11.33
12.26
11.61
10.64
11.29
11.34
2.30%
2.44%
—
19.06
EPS growth%
10.51
9.73
8.19
5.72
6.47
7.14
4.65
6.95
7.68
7.58
29.41
7.14
7.36
81
10.07
Bookvalue per sh$
11.32
12.00
13.68
15.24
15.42
18.72
20.98
24.14
27.29
32.64
3.38
16.18%
11.84%
—
3.27
TBV/sh$
9.15
8.60
8.32
7.58
8.22
9.32
10.09
10.46
9.91
10.60
2.80
5.22%
2.42%
—
11.40
Dividend per sh$
10.91
12.04
12.74
14.32
14.17
15.72
18.54
19.23
20.51
21.25
2.59
8.44%
6.64%
—
20.26
Div yield (avg)%
3.73
1.73
1.45
0.40
0.40
2.93
4.09
1.39
0.88
3.76
20.98
2.93
1.59
35
26.34
Payout ratio%
13.17
10.99
12.91
10.50
7.84
8.80
8.46
10.28
9.66
12.51
28.33
9.66
10.39
54
187.0
Shares (diluted)B
233.5
231.9
225.1
249.3
237.6
252.0
249.3
290.4
294.0
314.8
185.8
5.79%
3.25%
27
9.55
Buyback yield%
28.00
26.94
24.44
25.36
27.85
30.48
31.55
30.42
33.31
32.22
12.20
31.55
29.21
83
130.39
Eq/Assets%
157.56
153.97
160.15
182.97
180.54
163.76
153.31
144.79
142.81
159.80
14.81
153.31
158.68
8
6,313
Assets$B
5,300
5,642
6,088
6,739
6,987
7,901
8,521
9,155
10,234
10,596
4,819
8.69%
8.32%
66
1,916
LT debt$B
4,745
4,420
4,136
3,961
4,070
3,664
3,859
3,419
3,207
2,917
1,375
(6.45%)
(4.84%)
38
Total assets
$10.60T
8.32%
0.94×
Revenue
$6.505T
9.03%
1.00×
Non-interest expense
$3.044T
8.88%
0.99×
Net interest income
76.95%
Non-interest income
23.05%
Spread over hurdle
64.71%