64.15
RevenueFt B
120.4
132.2
141.6
154.0
164.3
178.6
191.7
207.3
230.8
249.3
71.40
8.70%
8.50%
49
19.41
Revenue growth%
1.58
0.40
0.50
0.40
1.80
0.95
2.36
4.68
3.11
2.24
12.78
2.36
1.69
66
8.06
NIM%
22.39
22.64
22.18
20.00
21.48
24.39
26.11
26.25
27.39
30.29
26.99
26.25
23.51
40
12.21
Effic. R.%
17.05
15.83
15.22
13.20
13.52
10.65
11.02
12.85
11.78
14.33
13.64
11.78
13.36
75
5.67
Net margin%
15.71
17.05
14.60
15.54
15.59
16.38
18.34
18.56
19.09
18.42
23.39
18.42
16.72
14
35.96
P/E ratio (avg)x
22.67
21.85
18.91
17.26
17.58
17.95
15.77
14.92
14.54
12.79
33.52
14.92
17.42
45
8.531
P/TBVx
31.98
35.24
39.99
45.14
49.55
47.77
45.44
46.73
49.09
46.17
34.25
46.73
45.80
8
26.39
P/Bx
17.60
20.33
22.28
20.68
23.55
23.84
25.44
26.91
29.56
34.22
25.76
26.91
23.69
43
117.4
NIIFt B
88.73
97.91
105.8
115.4
123.3
133.7
144.6
154.6
170.6
186.6
64.18
8.64%
8.47%
—
29.64
NII grth%
10.21
9.95
11.10
9.74
7.38
7.10
8.48
6.67
7.89
5.48
21.18
7.10
8.19
72
15.83
ROTE%
24.11
25.67
24.93
23.34
22.01
22.86
25.65
27.53
25.92
27.67
26.36
25.92
25.29
61
5.55
Return on equity%
16.09
18.71
19.18
16.24
15.07
13.81
14.96
17.21
17.19
16.12
7.21
16.12
16.18
37
22.47
Return on assets%
6.90
9.50
11.28
9.32
7.03
5.76
6.60
5.23
3.59
3.97
6.67
5.23
6.75
9
260.37
EPSFt
315.64
326.44
335.94
351.14
396.83
446.55
437.86
412.42
442.71
501.00
283.44
4.77%
5.01%
—
10.79
EPS growth%
7.35
7.89
6.23
6.13
5.01
6.86
9.64
11.33
11.76
11.25
4.83
11.25
7.62
6
355.06
Bookvalue per shFt
325.42
361.24
414.44
380.15
401.05
384.81
420.50
458.62
473.84
491.33
194.39
4.14%
4.57%
—
265.45
TBV/shFt
360.29
345.73
371.09
388.91
422.85
408.21
413.73
461.86
517.71
524.99
246.06
4.42%
5.61%
—
275.06
Dividend per shFt
192.95
177.46
186.60
203.56
228.56
216.45
195.02
195.91
192.65
188.25
193.37
(3.81%)
(1.26%)
—
16.67
Div yield (avg)%
13.66
13.72
12.12
10.59
12.84
13.52
12.27
14.74
15.59
14.67
5.96
14.67
13.59
53
19.86
Payout ratio%
14.12
12.39
11.08
11.53
14.50
12.44
10.47
10.45
9.93
8.82
26.46
10.45
11.30
6
316.3
Shares (diluted)M
276.3
252.4
227.0
198.8
195.3
195.0
195.4
172.6
169.6
166.7
325.8
(3.11%)
(5.85%)
10
11.50
Buyback yield%
17.96
17.41
15.27
12.95
15.15
13.98
11.98
9.29
12.08
9.28
28.61
11.98
13.47
10
81.36
Eq/Assets%
26.04
25.89
25.91
27.71
27.64
30.75
30.82
28.96
26.30
28.69
29.56
28.96
27.68
12
21.48
AssetsFt B
667.0
702.2
767.5
867.7
934.7
982.1
1,061
1,134
1,238
1,327
91.72
7.26%
8.26%
90
104.4
LT debtFt B
132.3
131.4
127.8
124.0
114.0
125.7
132.9
144.8
151.8
165.6
114.7
7.75%
1.75%
68
Non-interest expense
8.33%
0.98×
Net interest income
74.83%
Non-interest income
25.17%
Spread over hurdle
11.88%