579.4
Revenue$B
1,425
1,546
1,636
1,728
1,870
1,943
2,025
2,175
2,277
2,381
642.8
4.95%
5.74%
12
11.42
Revenue growth%
23.92
24.91
27.08
26.59
29.31
27.99
27.01
28.98
28.92
30.97
22.57
28.92
27.53
89
5.73
NIM%
14.20
16.29
14.29
15.06
15.28
15.13
13.01
15.04
15.13
17.51
23.19
15.13
15.09
92
24.23
Effic. R.%
4.95
3.58
3.59
6.36
6.76
9.28
11.63
13.27
14.62
14.05
27.65
13.27
8.02
30
17.76
Net margin%
12.60
10.39
13.34
16.08
18.59
18.98
16.34
18.21
16.31
15.33
15.43
16.34
16.19
74
14.77
P/E ratio (avg)x
37.93
38.63
40.77
40.80
42.48
47.43
48.11
53.08
57.24
67.30
18.61
53.08
44.96
20
25.24
P/TBVx
14.59
13.69
12.68
12.19
12.79
13.11
13.15
12.12
11.07
12.08
17.60
12.12
12.73
41
35.51
P/Bx
7.661
8.370
9.469
8.449
9.381
8.582
8.250
8.785
9.100
9.896
19.62
8.785
8.684
40
308.6
NII$B
853.8
926.2
979.9
1,035
1,138
1,149
1,202
1,289
1,386
1,433
2,994
4.72%
5.62%
—
19.74
NII grth%
15.32
17.04
15.96
15.80
18.12
19.11
19.62
21.82
23.04
23.57
17.82
21.82
18.62
75
15.35
ROTE%
17.95
18.71
18.85
18.51
17.22
17.90
15.10
16.91
19.72
20.59
29.00
17.90
18.23
24
16.13
Return on equity%
23.92
24.45
24.76
24.03
26.87
28.48
29.18
27.82
28.74
31.48
21.28
28.74
27.35
8
18.65
Return on assets%
9.71
8.49
11.02
13.95
15.79
17.08
14.86
17.70
16.13
13.75
7.23
16.13
14.40
55
28.85
EPS$
37.35
35.31
35.14
40.64
38.57
39.13
40.69
43.05
45.56
44.19
30.18
2.76%
3.41%
—
6.96
EPS growth%
10.05
9.18
9.34
11.89
13.25
16.04
17.53
18.88
21.59
21.73
18.18
18.88
14.64
74
44.86
Bookvalue per sh$
34.15
37.97
35.13
36.39
42.26
39.56
41.16
40.61
41.61
42.79
34.86
0.25%
2.93%
—
7.55
TBV/sh$
26.65
26.75
30.26
34.25
38.10
39.32
44.20
46.32
47.40
49.73
7.71
5.47%
8.07%
—
38.79
Dividend per sh$
83.85
83.56
90.65
101.94
110.36
116.87
137.66
162.00
157.78
183.01
20.41
10.65%
8.39%
—
25.06
Div yield (avg)%
24.11
26.91
24.20
24.84
24.32
26.88
29.41
26.52
29.52
29.67
20.56
29.41
26.70
26
10.20
Payout ratio%
19.43
16.62
13.66
12.05
10.72
8.57
7.98
8.75
9.89
9.91
23.38
8.75
10.32
93
43.22
Shares (diluted)B
59.35
71.08
84.23
91.66
92.10
100.7
107.2
125.7
131.2
146.3
42.42
9.70%
9.97%
72
2.53
Buyback yield%
7.73
10.09
12.46
9.48
8.53
9.14
9.30
10.67
11.04
10.71
9.49
10.67
9.79
78
145.95
Eq/Assets%
204.67
240.75
281.22
318.99
377.75
392.25
421.54
435.41
519.91
616.03
17.72
435.41
385.00
35
2,879
Assets$B
4,123
4,560
4,867
5,436
5,956
6,369
6,908
7,300
7,939
8,459
2,504
7.27%
8.00%
72
998.1
LT debt$B
991.0
1,099
1,072
984.4
1,062
1,074
1,174
1,062
979.4
912.3
1,039
(2.99%)
0.26%
27
Total assets
$8.459T
8.00%
1.24×
Revenue
$2.381T
5.74%
1.00×
Non-interest expense
$1.362T
5.79%
1.01×
Net interest income
60.20%
Non-interest income
39.80%
Spread over hurdle
11.28%