6.989
Revenue$B
7.994
8.525
9.174
9.580
10.19
10.94
11.55
12.35
12.69
13.15
7.675
5.23%
5.40%
52
14.23
Revenue growth%
21.51
22.74
24.76
22.09
21.10
21.73
19.70
18.64
18.04
19.26
4.13
19.26
21.30
88
18.70
NIM%
19.83
21.38
18.50
15.93
15.40
15.41
16.18
16.41
17.30
15.39
20.27
16.18
16.30
9
15.30
Effic. R.%
17.61
19.53
16.54
19.09
20.17
18.71
18.94
18.15
19.96
20.20
9.76
18.94
19.01
10
19.30
Net margin%
11.02
8.09
10.27
13.08
15.47
17.99
18.15
19.34
20.09
18.81
10.09
18.81
16.73
76
37.06
P/E ratio (avg)x
28.03
30.49
33.84
38.52
40.69
41.57
44.81
47.44
46.28
50.47
29.00
46.28
41.13
64
31.40
P/TBVx
65.28
70.14
78.13
90.40
96.27
91.91
93.36
104.7
116.5
116.3
11.67
104.7
92.63
43
15.84
P/Bx
11.77
12.73
11.08
11.19
10.06
9.387
8.667
8.074
7.287
7.885
22.15
8.074
9.722
84
10.56
NII$B
4.905
5.199
5.492
5.775
6.147
6.590
7.074
7.517
7.673
7.850
11.25
5.01%
5.10%
—
26.18
NII grth%
10.22
12.04
14.85
16.47
13.83
16.28
19.22
16.25
17.02
18.14
14.42
17.02
16.26
46
15.16
ROTE%
10.49
8.47
6.29
7.19
6.61
5.30
5.78
8.06
5.42
4.61
10.09
5.42
6.45
62
19.26
Return on equity%
9.62
7.83
7.76
9.84
11.27
11.77
14.07
15.19
14.90
16.09
7.35
14.90
11.52
38
8.24
Return on assets%
22.58
25.48
23.43
24.28
26.93
28.39
25.70
23.22
25.80
26.36
6.49
25.80
25.59
27
5.90
EPS$
2.69
3.09
3.19
3.26
3.49
3.55
3.49
3.84
3.64
3.61
6.36
0.67%
2.77%
—
17.88
EPS growth%
21.73
19.17
19.74
19.97
22.63
21.22
21.96
22.12
19.52
18.03
23.09
21.22
20.60
28
5.86
Bookvalue per sh$
3.42
3.03
2.97
2.80
3.07
3.11
3.07
3.00
3.08
3.28
8.76
1.30%
0.13%
—
5.28
TBV/sh$
6.12
6.46
5.76
5.79
5.94
6.38
6.04
5.64
5.26
5.62
3.03
(1.12%)
(1.86%)
—
8.71
Dividend per sh$
3.93
3.66
4.01
3.87
4.18
3.73
4.07
3.85
4.28
4.23
7.31
0.23%
1.35%
—
8.14
Div yield (avg)%
2.72
4.53
1.99
4.13
1.70
4.22
7.06
6.10
3.53
1.61
25.73
4.22
3.83
94
26.22
Payout ratio%
29.53
27.85
27.60
29.66
27.18
28.56
29.81
32.78
32.42
32.27
22.44
32.27
29.59
78
1.187
Shares (diluted)B
1.024
0.952
0.876
0.888
0.939
1.019
0.920
0.853
0.901
0.925
1.165
(0.30%)
(0.27%)
31
6.70
Buyback yield%
3.79
4.03
6.76
8.34
11.04
13.39
15.52
17.98
16.83
16.71
14.54
16.71
12.21
93
131.92
Eq/Assets%
72.74
70.90
68.39
68.59
68.63
72.26
71.87
68.18
66.49
76.74
53.79
71.87
69.77
25
8.375
Assets$B
23.34
25.36
27.26
30.35
32.12
35.80
39.49
41.32
46.77
48.95
11.48
8.79%
8.14%
88
3.470
LT debt$B
7.272
8.610
9.910
11.30
12.04
12.66
14.81
15.61
15.70
15.57
7.168
5.27%
8.01%
30
Total assets
$48.95B
8.14%
1.29×
Revenue
$13.15B
5.40%
1.00×
Non-interest expense
$6.260B
5.68%
1.03×
Net interest income
59.71%
Non-interest income
40.29%