1.180
Revenue$B
5.835
6.168
6.549
6.952
7.566
8.020
8.564
9.104
9.985
10.95
1.320
7.67%
7.22%
59
23.50
Revenue growth%
14.70
14.87
17.69
15.50
15.30
13.31
16.05
17.47
16.63
18.77
3.83
16.63
15.77
31
10.52
NIM%
26.06
26.90
26.24
23.77
23.64
21.89
22.97
24.00
23.79
26.65
9.62
23.79
23.89
47
6.53
Effic. R.%
10.21
12.21
14.52
12.14
11.78
13.84
12.30
14.65
16.84
15.63
2.64
14.65
13.07
44
6.48
Net margin%
12.80
11.42
13.76
14.64
14.35
11.91
12.21
10.65
10.93
10.17
27.20
10.93
12.06
63
7.182
P/E ratio (avg)x
23.56
24.50
24.45
27.93
27.41
29.68
33.96
35.81
33.50
36.81
28.18
33.96
28.80
90
27.20
P/TBVx
10.29
11.26
10.73
11.66
10.53
10.73
11.92
10.59
11.20
10.78
11.83
10.78
10.76
68
19.25
P/Bx
37.50
43.93
42.33
41.53
46.95
51.87
51.25
49.20
56.62
60.21
17.27
51.87
48.08
73
8.270
NII$B
3.624
3.883
4.127
4.374
4.646
5.061
5.295
5.715
6.244
6.811
9.276
7.95%
7.28%
—
11.29
NII grth%
25.15
27.01
27.18
24.80
22.53
24.87
23.86
23.13
24.99
23.93
29.38
23.93
24.83
69
23.16
ROTE%
32.45
29.63
26.88
25.00
26.67
25.07
23.58
23.59
24.54
25.46
17.02
24.54
25.27
13
12.90
Return on equity%
28.31
29.81
30.14
33.12
30.72
32.85
33.10
35.83
36.40
34.59
21.76
34.59
32.97
19
19.07
Return on assets%
20.53
19.66
17.07
17.12
15.20
13.76
15.76
15.56
16.64
13.72
23.10
15.56
16.20
19
0.47
EPS$
2.30
2.29
2.66
3.19
3.85
4.12
4.41
4.66
4.82
5.14
0.48
5.95%
10.42%
—
21.86
EPS growth%
13.80
10.81
13.15
10.95
8.32
7.71
10.51
7.90
8.72
7.10
15.22
7.90
9.61
27
1.57
Bookvalue per sh$
0.73
0.68
0.63
0.66
0.73
0.83
0.75
0.79
0.82
0.86
2.03
3.33%
1.22%
—
1.14
TBV/sh$
1.85
1.73
1.60
1.49
1.37
1.23
1.29
1.19
1.32
1.38
1.95
0.19%
(1.72%)
—
1.07
Dividend per sh$
1.45
1.67
1.93
2.04
2.11
2.32
2.20
2.54
2.89
3.37
1.12
9.74%
10.62%
—
20.19
Div yield (avg)%
8.67
10.96
9.64
10.16
12.75
14.68
16.44
18.23
15.77
14.46
25.60
15.77
13.61
91
12.87
Payout ratio%
16.79
14.68
12.60
12.43
15.04
18.00
17.08
17.60
16.74
16.17
8.56
17.08
16.46
76
1.236
Shares (diluted)B
0.939
0.878
0.776
0.834
0.869
0.769
0.751
0.735
0.722
0.716
1.207
(3.80%)
(3.97%)
89
4.12
Buyback yield%
6.16
3.72
6.58
5.00
3.55
4.75
4.12
2.35
0.40
0.40
17.42
2.35
3.92
53
81.52
Eq/Assets%
64.09
68.01
66.98
72.86
68.88
68.32
72.48
62.85
53.61
57.44
143.27
62.85
67.50
62
7.697
Assets$B
15.16
16.46
17.49
18.82
20.47
23.24
25.75
28.04
30.32
33.75
5.998
10.52%
9.12%
65
6.091
LT debt$B
5.633
6.572
7.305
8.112
9.353
10.70
12.69
12.40
13.49
15.75
4.450
10.98%
11.67%
59
Total assets
$33.75B
9.12%
1.19×
Revenue
$10.95B
7.22%
1.00×
Non-interest expense
$5.744B
7.33%
1.01×
Net interest income
62.22%
Non-interest income
37.78%