115.6
Revenue$B
369.3
374.8
389.3
406.4
419.7
426.2
436.8
461.4
481.7
505.7
125.3
3.80%
3.75%
78
25.97
Revenue growth%
18.86
16.12
14.95
12.50
14.48
14.31
13.65
13.75
10.76
10.68
28.97
13.65
14.03
6
25.92
NIM%
28.41
29.57
32.57
30.85
30.35
29.58
31.56
33.13
31.69
29.45
24.40
31.56
30.60
54
6.82
Effic. R.%
38.02
37.88
38.85
36.55
38.97
37.51
39.24
36.98
35.54
35.70
11.93
36.98
37.69
63
23.10
Net margin%
20.60
22.14
20.28
21.84
19.59
19.64
19.48
21.69
20.08
18.82
14.26
19.64
20.18
84
18.91
P/E ratio (avg)x
19.70
20.82
22.19
23.17
23.44
20.95
19.56
20.14
21.72
21.67
31.74
20.95
21.31
82
10.83
P/TBVx
13.83
13.11
12.04
11.61
11.97
11.32
12.27
10.92
9.799
8.919
22.36
10.92
11.79
93
12.70
P/Bx
12.04
13.84
14.35
16.68
18.31
18.34
18.43
17.71
18.67
20.33
13.51
18.43
18.01
59
310.9
NII$B
258.0
263.7
270.3
282.8
295.9
295.6
311.3
326.0
342.0
354.6
211.8
3.68%
3.82%
—
19.67
NII grth%
21.02
22.86
22.92
23.07
26.00
26.35
29.19
26.36
23.96
26.01
19.43
26.35
24.98
29
22.33
ROTE%
8.65
11.51
8.69
10.87
11.18
9.98
11.39
9.77
7.64
8.96
22.68
9.77
9.88
38
28.01
Return on equity%
18.68
18.79
19.53
16.58
16.14
16.13
15.10
13.64
14.67
17.01
19.53
15.10
16.36
47
5.42
Return on assets%
23.32
22.49
21.31
22.78
23.04
24.16
23.28
20.90
23.79
26.72
22.42
23.79
23.16
10
2,025
EPS$
2,878
3,119
3,369
3,365
3,260
3,210
3,072
2,707
2,694
2,636
2,229
(4.16%)
(0.78%)
—
7.98
EPS growth%
23.76
22.56
23.62
22.02
21.15
20.54
23.14
24.17
22.87
24.17
12.53
23.14
23.00
66
3,309
Bookvalue per sh$
2,016
2,388
2,608
2,517
2,439
2,823
3,364
3,340
3,976
4,224
1,816
11.61%
7.71%
—
2,978
TBV/sh$
3,098
3,348
3,592
3,187
3,531
3,809
3,388
3,466
3,683
3,680
1,003
0.83%
1.31%
—
1,211
Dividend per sh$
2,281
2,628
2,682
2,712
2,695
2,947
2,998
3,266
3,200
3,459
2,647
5.12%
4.36%
—
8.15
Div yield (avg)%
26.35
26.72
26.07
23.26
21.27
20.69
19.25
21.27
21.14
24.08
19.89
21.14
22.27
36
16.65
Payout ratio%
11.30
9.47
9.40
7.61
5.33
2.91
0.79
1.36
4.27
5.74
10.89
2.91
5.53
34
152.1
Shares (diluted)M
143.0
124.2
110.0
95.76
102.9
104.6
103.8
96.00
82.80
85.68
156.9
(3.59%)
(6.38%)
46
20.27
Buyback yield%
12.78
14.75
13.05
12.01
10.00
9.59
7.42
5.17
2.33
3.74
25.82
5.17
9.80
27
58.63
Eq/Assets%
28.19
28.65
25.17
26.66
24.87
23.52
23.33
24.22
23.23
24.89
156.23
23.52
24.88
82
430.0
Assets$B
132.2
147.2
159.8
169.5
175.0
194.0
209.7
225.0
245.2
278.3
268.4
9.72%
8.17%
50
442.1
LT debt$B
560.2
546.3
587.0
664.6
750.9
835.5
851.7
938.4
1,025
1,007
443.8
6.04%
6.34%
44
Total assets
$278.3B
8.17%
1.52×
Revenue
$505.7B
3.75%
1.00×
Non-interest expense
$231.2B
3.68%
0.99×
Net interest income
70.13%
Non-interest income
29.87%
Return on capital
176.06%
Spread over hurdle
159.78%