4,606
Revenue$B
3,700
3,915
4,034
4,226
4,430
4,641
4,722
4,995
5,316
5,552
4,983
4.62%
4.51%
78
16.93
Revenue growth%
14.64
15.74
16.41
14.84
15.77
15.71
15.42
12.93
10.90
13.60
27.06
13.60
15.13
70
13.17
NIM%
19.63
20.80
22.10
24.76
27.26
28.10
28.64
27.33
27.78
29.91
21.41
28.10
27.30
38
5.53
Effic. R.%
21.83
19.34
18.73
18.94
17.92
19.62
17.50
18.54
17.17
17.49
13.14
17.50
18.64
60
17.37
Net margin%
13.32
10.56
12.47
11.99
13.65
11.28
8.77
9.24
9.86
12.45
17.94
9.86
11.63
91
23.15
P/E ratio (avg)x
31.39
34.13
34.88
38.82
43.01
43.00
42.37
42.87
38.59
34.51
33.81
42.37
38.71
67
16.48
P/TBVx
33.25
37.60
41.02
46.43
45.42
42.23
39.91
44.46
47.03
45.62
36.52
44.46
43.34
56
26.20
P/Bx
25.73
23.84
25.28
22.01
21.55
23.15
19.84
19.48
19.12
17.69
19.36
19.48
21.78
21
4,487
NII$B
2,789
2,972
3,045
3,170
3,298
3,450
3,530
3,799
3,996
4,168
2,564
4.79%
4.42%
—
19.08
NII grth%
5.32
4.69
5.40
5.28
3.68
5.44
5.85
6.69
6.48
8.45
11.01
6.48
5.42
41
17.92
ROTE%
7.17
8.12
9.48
11.77
14.22
15.93
13.17
11.52
13.90
12.47
11.03
13.17
12.12
70
15.06
Return on equity%
7.62
5.75
4.57
5.52
3.64
2.69
1.55
0.40
0.92
3.76
19.28
1.55
3.70
64
27.34
Return on assets%
13.01
14.49
17.48
19.24
16.90
16.39
19.26
20.64
22.10
19.95
26.43
19.95
18.36
58
456.35
EPS$
2,283
2,235
2,231
2,385
2,374
2,535
2,724
2,845
2,883
3,260
497.58
6.55%
4.99%
—
15.74
EPS growth%
23.40
22.86
23.58
25.55
27.77
29.96
30.01
28.51
26.97
27.45
18.96
28.51
27.21
6
863.95
Bookvalue per sh$
2,489
2,624
2,768
2,974
3,419
3,803
4,418
4,683
5,291
5,796
2,806
11.13%
9.43%
—
2,000
TBV/sh$
1,778
1,566
1,594
1,713
1,600
1,354
1,248
1,327
1,411
1,325
1,215
(3.71%)
(4.05%)
—
521.11
Dividend per sh$
1,617
1,573
1,761
1,822
1,903
2,046
2,214
1,997
1,959
1,866
2,666
(0.39%)
1.67%
—
7.44
Div yield (avg)%
7.60
7.54
9.02
11.15
10.06
11.95
9.59
7.85
9.00
11.98
21.77
9.59
9.30
48
13.54
Payout ratio%
32.48
31.47
31.12
31.56
31.69
30.76
30.18
30.80
28.47
25.73
14.39
30.18
30.96
90
492.2
Shares (diluted)M
373.1
377.8
373.7
343.1
315.6
323.6
332.6
312.6
325.2
307.5
474.8
(0.52%)
(2.71%)
49
25.98
Buyback yield%
7.34
5.77
4.15
6.52
8.67
8.61
7.52
9.93
12.64
12.94
6.25
9.93
8.06
43
46.98
Eq/Assets%
233.32
266.67
307.00
353.24
347.72
326.55
346.30
320.78
354.68
384.38
36.35
346.30
336.43
51
1,349
Assets$B
5,541
6,068
6,510
7,210
7,926
8,841
9,316
10,174
11,290
12,319
4,363
9.22%
9.43%
71
1,836
LT debt$B
2,757
2,936
3,252
3,029
3,286
2,989
3,287
3,165
2,873
3,216
2,780
(0.43%)
2.65%
94
Total assets
$12.32T
9.43%
1.58×
Revenue
$5.552T
4.51%
1.00×
Non-interest expense
$3.365T
4.44%
0.99×
Net interest income
75.06%
Non-interest income
24.94%