7.242
Revenue$B
6.504
6.489
6.765
7.055
7.348
7.393
7.601
7.816
8.146
8.145
8.052
2.08%
2.30%
14
13.17
Revenue growth%
18.80
20.67
22.88
22.23
19.77
21.66
24.03
21.67
22.30
20.12
28.67
21.67
21.67
62
29.03
NIM%
16.93
14.30
16.17
13.81
16.76
19.00
20.00
18.65
20.97
19.12
20.45
19.12
17.79
36
17.02
Effic. R.%
26.32
27.68
26.70
29.56
28.45
27.04
26.96
29.09
26.91
23.99
5.18
26.96
27.00
51
16.45
Net margin%
14.25
15.75
14.41
16.72
13.86
11.61
11.37
13.77
13.30
10.32
23.31
11.61
13.81
90
18.42
P/E ratio (avg)x
42.77
50.46
52.85
58.72
62.49
65.21
67.94
65.05
62.41
70.55
28.36
65.21
62.45
6
8.565
P/TBVx
35.40
31.57
32.33
32.34
32.72
30.60
30.26
33.35
36.87
34.86
15.72
33.35
32.53
29
34.83
P/Bx
34.12
37.29
37.08
35.48
34.65
39.79
40.89
40.60
40.57
44.64
11.29
40.60
38.54
26
2.222
NII$B
4.978
5.010
5.220
5.397
5.689
5.614
5.854
5.940
6.236
6.221
5.913
1.81%
2.37%
—
15.49
NII grth%
7.53
5.32
5.24
7.73
9.73
11.45
14.07
14.06
12.75
14.19
29.18
14.06
10.59
24
14.76
ROTE%
18.53
18.23
19.22
22.00
20.93
22.61
23.90
21.36
19.61
19.60
27.40
21.36
20.27
51
15.50
Return on equity%
12.07
13.61
15.41
13.14
15.60
17.80
20.00
17.89
19.52
16.61
8.34
17.89
16.11
29
24.40
Return on assets%
18.48
18.13
15.91
14.37
14.49
13.63
16.28
13.53
15.20
15.89
2.38
15.20
15.55
46
1.24
EPS$
1.06
1.00
1.12
1.28
1.30
1.31
1.53
1.60
1.65
1.59
1.31
4.03%
5.29%
—
4.87
EPS growth%
16.00
13.86
15.26
13.29
11.09
8.69
8.73
10.69
11.67
11.88
4.59
10.69
11.78
6
0.57
Bookvalue per sh$
1.00
0.97
0.93
1.06
1.22
1.32
1.33
1.55
1.73
1.66
0.34
6.31%
4.59%
—
1.78
TBV/sh$
0.91
0.94
0.86
0.84
0.89
0.96
0.94
0.95
1.04
0.96
0.65
1.42%
0.89%
—
1.79
Dividend per sh$
0.62
0.70
0.68
0.67
0.65
0.63
0.73
0.84
0.79
0.91
1.69
6.89%
5.29%
—
9.86
Div yield (avg)%
27.97
27.67
30.17
29.13
26.36
24.19
25.25
22.58
24.73
21.82
21.59
24.19
25.81
34
17.75
Payout ratio%
18.26
16.15
15.20
15.34
12.82
13.82
14.91
16.86
16.80
18.05
29.76
16.80
15.75
76
2.617
Shares (diluted)B
2.940
2.797
2.755
3.118
3.170
3.502
3.377
3.801
3.894
3.603
2.630
2.60%
1.45%
27
20.60
Buyback yield%
6.13
8.65
7.49
7.89
7.42
7.33
4.59
5.55
4.90
5.31
11.93
5.31
6.73
37
106.79
Eq/Assets%
112.11
134.44
131.84
141.23
145.23
144.12
164.77
161.36
177.33
176.67
17.29
164.77
144.67
89
2.523
Assets$B
11.55
12.99
13.79
15.65
16.26
17.90
19.18
20.42
23.35
24.09
7.981
8.18%
8.59%
73
4.987
LT debt$B
6.606
6.882
6.315
6.446
6.821
6.468
6.845
6.238
6.408
6.222
5.211
(1.82%)
0.07%
54
Total assets
$24.09B
8.59%
1.82×
Revenue
$8.145B
2.30%
1.00×
Non-interest expense
$4.520B
2.55%
1.03×
Net interest income
76.39%
Non-interest income
23.61%