2,151
Revenue$B
6,297
6,724
7,049
7,413
7,982
8,388
8,673
8,957
9,301
9,772
2,227
4.13%
5.24%
21
4.74
Revenue growth%
29.11
27.02
28.03
25.42
25.35
23.54
23.20
23.47
22.70
20.16
23.26
23.20
24.44
69
4.73
NIM%
3.50
0.67
0.40
0.40
2.40
0.40
0.40
0.40
0.40
0.40
8.54
0.40
0.40
84
14.43
Effic. R.%
21.62
20.80
18.55
20.39
22.57
21.40
18.80
21.36
21.17
18.92
21.51
21.17
20.99
53
16.48
Net margin%
16.18
17.83
20.37
18.35
19.97
20.23
18.62
18.95
20.81
22.29
9.81
20.23
19.46
57
24.99
P/E ratio (avg)x
10.01
11.07
11.56
12.07
13.91
14.42
13.69
12.91
13.95
15.47
6.405
13.95
13.30
76
10.53
P/TBVx
61.68
62.47
74.11
78.31
87.74
92.00
89.21
99.18
98.55
118.0
21.14
98.55
88.48
19
23.61
P/Bx
33.33
34.66
30.72
26.53
23.26
24.85
26.49
25.01
21.40
20.63
29.26
24.85
25.75
71
6,563
NII$B
3,955
4,291
4,469
4,709
5,116
5,380
5,458
5,752
5,829
6,230
6,069
4.02%
5.21%
—
4.52
NII grth%
27.83
29.51
30.85
32.87
35.36
33.51
32.08
34.30
33.80
30.86
13.31
33.51
32.48
95
28.99
ROTE%
20.40
22.63
19.65
19.91
21.89
22.15
20.27
18.95
16.96
15.64
6.02
18.95
20.09
59
24.07
Return on equity%
13.58
11.94
14.25
12.35
15.12
13.55
13.29
11.53
9.29
9.41
16.05
11.53
12.82
57
24.95
Return on assets%
30.77
29.84
32.04
34.48
34.40
35.35
36.89
36.01
34.79
35.25
29.44
35.35
34.63
9
29.00
EPS$
31.28
30.88
29.30
28.64
32.06
35.22
40.72
39.39
40.95
47.56
32.16
8.21%
5.45%
—
26.34
EPS growth%
11.56
12.70
14.42
12.25
15.11
13.75
11.30
13.35
14.90
14.22
9.69
13.75
13.55
19
28.21
Bookvalue per sh$
27.46
25.50
28.03
31.36
33.87
33.71
38.20
42.66
43.81
41.78
30.50
4.29%
4.06%
—
36.82
TBV/sh$
26.96
25.33
23.92
20.67
21.86
22.31
23.23
23.92
25.02
26.81
38.96
4.17%
(0.68%)
—
30.29
Dividend per sh$
14.53
13.50
13.90
14.63
14.96
15.91
14.61
16.17
14.55
15.47
32.47
0.67%
0.95%
—
27.64
Div yield (avg)%
0.40
0.40
0.40
0.40
0.40
2.71
5.63
4.48
6.24
6.36
4.41
5.63
1.55
86
4.25
Payout ratio%
5.65
7.08
5.63
8.35
7.51
8.40
7.26
9.87
9.74
9.48
26.49
9.48
7.93
6
100.5
Shares (diluted)B
157.7
174.6
209.4
213.0
250.7
249.4
256.1
262.7
277.0
301.2
102.8
3.74%
7.08%
76
27.68
Buyback yield%
16.69
16.63
19.55
17.56
17.53
18.26
15.88
17.64
17.41
16.06
25.08
17.41
17.47
76
76.57
Eq/Assets%
200.57
221.59
243.05
274.37
271.47
273.25
298.64
286.81
317.68
336.71
178.20
298.64
273.81
90
7,487
Assets$B
26,211
29,464
32,883
36,488
39,835
42,079
44,504
48,922
54,502
59,844
1,857
8.48%
9.78%
60
4,246
LT debt$B
2,475
2,837
2,894
3,085
3,554
3,979
4,093
4,093
4,792
5,294
7,579
8.30%
9.83%
70
Total assets
$59.84T
9.78%
1.53×
Revenue
$9.772T
5.24%
1.00×
Non-interest expense
$4.828T
5.54%
1.03×
Net interest income
63.75%
Non-interest income
36.25%