2,096
RevenueFt B
1,677
1,833
2,001
2,204
2,333
2,500
2,682
2,957
3,145
3,381
2,347
7.70%
7.90%
13
22.51
Revenue growth%
8.44
9.52
8.18
9.51
9.26
11.56
13.13
13.41
13.82
15.52
9.93
13.41
10.54
28
3.81
NIM%
0.40
0.40
0.40
0.40
0.40
0.40
3.26
1.22
0.40
0.40
6.03
0.40
0.40
59
23.32
Effic. R.%
27.52
26.44
27.53
24.88
27.84
30.21
32.48
32.71
35.34
33.56
25.59
32.71
29.02
39
17.55
Net margin%
19.21
18.03
15.10
12.85
14.98
17.80
19.53
16.81
18.41
19.29
17.54
18.41
17.91
23
6.963
P/E ratio (avg)x
17.20
16.07
16.99
14.73
14.51
15.57
15.13
14.11
14.85
15.38
27.39
15.13
15.26
88
24.29
P/TBVx
8.669
8.551
7.544
7.682
6.880
6.235
5.618
6.177
6.690
5.930
36.68
6.177
6.785
55
13.66
P/Bx
8.087
9.385
8.802
9.241
9.064
9.631
11.22
11.01
10.68
11.75
15.78
11.01
9.508
94
958.3
NIIFt B
1,246
1,359
1,485
1,639
1,712
1,864
2,009
2,179
2,333
2,515
970.3
8.00%
7.78%
—
18.72
NII grth%
18.70
21.26
19.13
18.60
18.31
21.17
23.42
22.16
23.80
22.67
28.02
22.67
21.22
73
29.99
ROTE%
31.06
28.90
30.98
33.11
34.28
32.55
31.94
29.38
27.43
26.61
7.63
29.38
31.02
80
29.50
Return on equity%
7.37
6.66
7.73
9.18
8.68
10.89
10.93
12.04
13.04
15.05
4.17
12.04
10.04
29
13.56
Return on assets%
12.10
11.19
12.25
10.63
12.19
14.97
13.45
10.92
10.28
9.40
25.12
10.92
11.65
71
3,183
EPSFt
3,108
3,511
3,852
3,863
4,280
4,198
4,000
4,423
4,387
5,069
3,489
3.44%
6.17%
—
8.34
EPS growth%
14.95
12.40
13.05
10.08
11.02
8.47
9.71
12.33
11.86
9.35
27.01
9.71
11.44
65
2,888
Bookvalue per shFt
1,676
1,664
1,877
1,898
2,045
1,993
1,941
2,057
2,019
2,029
2,193
(0.15%)
3.17%
—
671.09
TBV/shFt
4,524
4,407
4,499
4,531
4,379
4,859
4,863
5,255
5,311
5,898
3,026
6.14%
1.84%
—
2,209
Dividend per shFt
3,971
4,427
4,332
4,163
4,134
4,208
4,659
5,427
5,651
6,479
3,702
9.41%
5.23%
—
13.48
Div yield (avg)%
25.19
26.09
24.72
23.21
25.03
26.97
29.26
29.61
31.32
34.01
25.79
29.61
26.53
61
5.73
Payout ratio%
10.19
11.14
10.93
9.77
8.41
8.11
5.91
6.58
5.70
4.54
7.30
5.91
8.26
14
269.0
Shares (diluted)M
411.6
489.6
508.2
576.0
596.7
659.2
728.1
799.5
796.4
924.3
257.2
9.15%
9.90%
33
7.55
Buyback yield%
23.07
24.46
27.04
26.26
27.88
30.09
32.10
33.79
36.78
38.40
8.48
33.79
28.98
72
79.04
Eq/Assets%
49.05
43.67
38.54
39.51
40.74
41.34
43.77
46.99
40.24
39.82
95.19
41.34
41.04
49
1,431
AssetsFt B
613.1
668.6
702.3
754.1
811.9
907.4
994.1
1,078
1,214
1,288
286.6
9.66%
8.86%
15
2,648
LT debtFt B
972.7
984.1
1,057
938.1
1,004
949.4
982.1
1,048
1,125
1,018
2,322
0.26%
0.98%
37
Non-interest expense
7.86%
1.00×
Net interest income
74.40%
Non-interest income
25.60%
Return on capital
306.48%