1.595
Revenue$B
0.944
1.033
1.095
1.174
1.231
1.312
1.421
1.501
1.611
1.741
1.783
7.18%
6.83%
88
19.41
Revenue growth%
23.60
26.04
25.35
25.18
27.71
30.51
30.42
28.73
31.17
29.83
15.57
30.42
28.22
30
22.88
NIM%
8.47
6.76
7.68
6.42
5.20
4.39
5.36
6.19
5.92
7.08
19.52
5.92
6.30
72
19.48
Effic. R.%
14.58
15.82
15.39
17.91
19.69
19.56
17.83
17.68
17.03
18.88
19.46
17.83
17.76
65
11.46
Net margin%
7.13
8.85
11.35
12.78
13.46
14.91
17.00
16.14
18.29
15.64
25.75
16.14
14.18
81
21.34
P/E ratio (avg)x
40.68
43.37
43.21
49.90
55.31
53.82
52.21
56.60
60.94
71.51
28.38
56.60
53.02
31
25.19
P/TBVx
19.45
19.47
17.52
18.13
17.57
15.50
13.57
11.75
12.05
12.80
27.62
12.80
16.51
58
22.12
P/Bx
26.93
25.49
27.33
27.75
29.67
31.62
28.14
25.33
26.99
26.93
19.01
26.99
27.16
68
1.048
NII$B
0.620
0.681
0.724
0.757
0.813
0.869
0.929
0.981
1.058
1.142
0.769
7.03%
6.76%
—
16.75
NII grth%
12.11
14.74
15.97
13.13
15.04
13.88
11.25
12.77
10.59
10.84
16.98
11.25
12.95
43
17.06
ROTE%
5.48
6.62
7.00
4.90
6.26
5.80
7.31
5.10
2.62
0.93
19.05
5.10
5.64
60
11.26
Return on equity%
4.69
3.26
0.46
2.57
3.36
5.03
5.10
7.63
5.26
4.04
21.94
5.10
4.36
18
23.45
Return on assets%
35.14
37.83
37.78
37.99
38.14
40.00
37.93
35.31
33.66
32.28
6.30
35.31
37.81
8
0.33
EPS$
0.59
0.69
0.70
0.81
0.75
0.79
0.83
0.81
0.94
0.90
0.37
3.78%
5.43%
—
6.12
EPS growth%
13.96
12.72
11.08
11.77
12.59
12.24
10.09
11.91
12.25
14.74
3.12
12.24
12.25
38
0.41
Bookvalue per sh$
0.16
0.17
0.17
0.18
0.18
0.19
0.20
0.22
0.24
0.26
0.33
7.51%
5.45%
—
0.34
TBV/sh$
0.63
0.63
0.68
0.67
0.65
0.69
0.72
0.71
0.68
0.67
0.25
0.56%
(0.29%)
—
0.55
Dividend per sh$
1.17
1.33
1.34
1.27
1.26
1.19
1.31
1.49
1.36
1.51
0.74
3.65%
2.50%
—
3.01
Div yield (avg)%
29.53
30.44
32.26
32.28
35.09
36.54
34.60
37.56
35.84
34.58
7.77
35.84
34.59
22
5.81
Payout ratio%
30.62
29.54
27.19
25.45
25.22
27.39
25.76
25.80
27.04
27.28
14.65
27.04
27.11
84
0.650
Shares (diluted)B
0.720
0.755
0.873
0.957
0.934
0.915
1.095
1.144
1.368
1.576
0.649
11.02%
8.35%
85
29.61
Buyback yield%
0.40
0.40
0.40
0.40
0.88
0.40
0.40
1.51
0.40
2.04
10.12
0.40
0.40
83
100.23
Eq/Assets%
97.98
91.61
95.31
97.62
106.17
110.60
109.49
105.24
117.31
131.09
171.03
110.60
105.70
88
1.472
Assets$B
4.763
5.163
5.459
5.965
6.523
7.150
7.688
8.091
9.008
10.30
1.078
9.56%
9.24%
31
692.3
LT debt$M
452.4
477.9
423.9
456.2
477.2
467.8
499.2
444.3
418.9
374.8
431.3
(4.72%)
(1.75%)
52
Total assets
$10.30B
9.24%
1.25×
Revenue
$1.741B
6.83%
1.00×
Non-interest expense
$782.8M
6.49%
0.97×
Net interest income
65.58%
Non-interest income
34.42%