4,448
Revenue$B
3,155
3,349
3,530
3,809
4,040
4,288
4,630
4,968
5,306
5,566
4,872
6.62%
6.84%
18
24.72
Revenue growth%
22.85
20.79
18.71
17.85
17.86
20.32
19.91
19.18
19.45
17.93
3.34
19.45
19.32
95
7.61
NIM%
21.91
20.57
19.43
17.17
18.13
16.10
17.84
16.91
16.82
15.12
2.67
16.82
17.50
36
7.54
Effic. R.%
28.14
27.67
27.63
26.71
24.46
25.48
26.88
27.55
30.42
27.65
8.38
27.55
27.59
34
17.53
Net margin%
14.56
14.92
12.55
9.61
12.53
11.94
9.42
6.45
8.43
6.58
5.95
8.43
10.78
65
7.765
P/E ratio (avg)x
11.11
11.73
10.30
9.145
9.932
9.865
10.29
9.041
7.918
8.783
7.725
9.041
9.899
90
12.08
P/TBVx
12.30
12.06
11.94
13.37
15.69
15.18
17.65
17.43
17.09
19.99
33.79
17.43
15.44
21
7.973
P/Bx
50.20
49.34
49.10
47.64
46.22
47.36
45.31
47.44
54.94
60.22
24.62
47.44
48.37
60
3,798
NII$B
1,967
2,089
2,172
2,382
2,461
2,619
2,849
3,042
3,290
3,403
5,177
6.70%
6.62%
—
10.78
NII grth%
13.55
13.47
10.76
10.69
10.45
9.29
6.36
6.99
4.55
7.22
22.83
6.99
9.87
52
2.53
ROTE%
21.23
19.20
21.81
24.66
24.49
22.03
23.50
22.27
23.29
22.89
18.38
22.89
22.58
8
20.08
Return on equity%
22.90
23.18
21.24
22.60
23.98
25.17
23.07
25.77
25.89
25.73
5.24
25.73
23.58
18
7.65
Return on assets%
19.73
19.70
21.00
23.10
20.23
20.65
23.41
20.88
19.53
17.54
2.51
20.65
20.44
35
2,012
EPS$
6,705
6,751
6,476
6,611
7,348
8,038
8,744
8,602
8,452
10,003
2,117
6.36%
5.46%
—
24.04
EPS growth%
25.56
26.58
28.97
31.13
28.61
31.52
33.54
31.62
32.37
31.80
20.28
31.80
31.32
38
4,682
Bookvalue per sh$
5,119
5,238
5,837
5,636
5,359
5,693
5,777
6,250
6,301
6,616
4,520
4.31%
1.95%
—
5,420
TBV/sh$
5,816
5,349
5,045
4,542
4,248
4,697
4,622
4,395
4,274
4,539
4,010
1.33%
(1.90%)
—
3,851
Dividend per sh$
7,512
7,233
7,423
6,999
7,390
8,254
9,037
9,867
10,773
10,273
1,482
6.81%
2.67%
—
24.70
Div yield (avg)%
10.29
12.38
10.11
12.07
13.69
13.07
15.08
15.01
14.75
16.13
3.62
15.01
13.38
7
18.99
Payout ratio%
25.23
22.90
19.98
17.31
16.15
16.35
13.69
12.93
12.31
13.19
8.42
13.19
16.25
15
0.589
Shares (diluted)B
0.892
1.047
1.133
1.191
1.356
1.346
1.613
1.701
1.660
1.789
0.607
5.69%
7.79%
53
9.68
Buyback yield%
5.45
4.44
2.38
0.68
2.44
0.71
1.03
0.40
3.15
3.10
8.16
1.03
2.41
76
27.43
Eq/Assets%
74.83
71.50
67.95
74.69
81.70
77.42
73.13
78.32
73.61
76.71
133.42
76.71
74.76
85
4,868
Assets$B
6,710
7,050
7,559
8,309
9,191
10,130
11,029
11,399
12,773
13,834
1,206
8.52%
8.77%
61
2,977
LT debt$B
2,261
2,445
2,769
3,166
3,650
3,844
3,907
3,901
4,673
4,930
4,490
6.20%
10.06%
78
Total assets
$13.83T
8.77%
1.20×
Revenue
$5.566T
6.84%
1.00×
Non-interest expense
$3.402T
7.05%
1.02×
Net interest income
61.15%
Non-interest income
38.85%