14,593
Revenue$B
28,476
28,751
29,764
30,195
30,437
31,182
31,289
31,036
31,893
31,590
15,824
0.75%
1.22%
77
23.85
Revenue growth%
29.50
32.05
34.12
33.81
31.34
30.11
28.87
29.32
31.13
29.02
17.95
29.32
30.62
8
26.96
NIM%
9.70
7.13
6.75
9.66
8.05
7.56
9.32
8.69
11.53
13.01
14.80
9.32
9.00
90
20.53
Effic. R.%
10.82
10.02
11.87
14.06
12.71
9.89
12.68
10.30
9.32
7.24
8.52
9.89
10.56
44
29.63
Net margin%
16.12
18.57
20.55
21.02
21.88
21.63
24.27
25.45
26.87
28.90
17.57
25.45
21.75
84
33.23
P/E ratio (avg)x
9.830
11.06
12.23
10.90
9.743
10.97
9.830
10.28
9.484
9.806
33.16
9.830
10.05
73
10.11
P/TBVx
32.69
30.75
35.61
41.39
42.93
49.64
54.01
54.69
53.14
57.10
36.21
54.01
46.29
18
30.00
P/Bx
19.97
17.31
15.57
16.30
15.60
15.64
15.91
15.59
16.58
17.64
20.97
15.91
16.10
13
5,723
NII$B
21,434
21,478
22,135
22,495
22,905
23,597
23,174
22,961
23,909
23,951
4,585
0.90%
1.36%
—
4.69
NII grth%
18.62
21.23
23.63
24.92
25.19
28.16
26.46
29.34
26.89
29.87
19.54
28.16
25.82
53
6.61
ROTE%
23.05
21.92
19.01
18.21
18.50
20.49
22.09
20.64
18.62
18.55
6.95
20.49
19.75
23
11.63
Return on equity%
7.51
6.35
4.77
7.24
7.79
9.45
10.56
9.62
7.71
10.30
9.18
9.62
7.75
84
16.19
Return on assets%
12.85
11.67
13.47
13.91
13.84
11.24
13.32
12.38
9.43
11.64
29.91
11.64
12.62
22
5,311
EPS$
2,586
2,687
2,988
3,485
3,911
4,081
4,291
4,237
4,275
4,546
5,508
3.05%
6.68%
—
17.25
EPS growth%
10.69
9.38
12.26
11.37
8.96
8.52
7.48
8.31
5.38
7.14
5.84
7.48
8.74
46
7,910
Bookvalue per sh$
4,842
4,328
4,438
4,789
4,858
5,277
5,037
4,656
4,429
3,892
3,367
(4.33%)
(3.39%)
—
3,797
TBV/sh$
9,117
8,792
8,704
8,818
9,346
10,742
11,480
12,520
14,348
14,131
9,400
8.62%
4.89%
—
7,969
Dividend per sh$
1,955
2,025
2,163
2,057
2,160
2,147
2,164
1,997
1,983
2,185
9,400
0.23%
0.56%
—
4.19
Div yield (avg)%
28.29
27.40
28.08
25.46
26.31
26.97
29.82
30.79
30.69
30.60
11.03
30.60
28.18
27
5.74
Payout ratio%
0.40
0.40
0.40
1.06
1.96
1.63
2.14
1.25
0.97
2.40
7.85
1.63
1.16
57
0.887
Shares (diluted)B
1.375
1.364
1.272
1.217
1.271
1.309
1.218
1.252
1.292
1.350
0.894
1.22%
0.88%
35
28.08
Buyback yield%
25.42
28.29
29.33
26.92
25.93
23.93
21.08
22.04
20.35
20.02
16.32
21.08
24.67
34
52.87
Eq/Assets%
147.75
137.47
138.05
158.51
169.94
193.16
190.62
189.41
211.66
196.10
151.96
193.16
179.68
59
15,773
Assets$B
22,468
24,258
26,229
29,206
31,964
35,655
39,255
42,556
45,574
50,436
27,458
9.55%
9.28%
24
24,849
LT debt$B
15,022
14,033
13,105
14,770
16,741
18,776
19,735
22,031
23,454
26,565
11,432
9.67%
6.75%
41
Total assets
$50.44T
9.28%
2.15×
Revenue
$31.59T
1.22%
1.00×
Non-interest expense
$17.38T
0.95%
0.97×
Net interest income
75.82%
Non-interest income
24.18%