0.810
Revenue$B
1.431
1.532
1.645
1.763
1.892
2.063
2.236
2.463
2.682
2.891
0.898
8.85%
8.30%
68
17.21
Revenue growth%
1.91
0.40
2.43
3.39
4.06
6.66
6.17
8.30
7.43
8.64
3.41
7.43
5.11
9
19.64
NIM%
5.88
4.54
7.13
6.75
3.89
3.21
4.93
6.87
7.00
7.78
18.33
6.87
6.32
25
7.85
Effic. R.%
23.65
22.23
21.35
19.67
17.26
16.83
15.56
15.03
15.28
14.39
24.70
15.28
17.04
52
3.53
Net margin%
16.00
13.40
12.38
13.29
12.06
13.48
13.09
14.12
16.02
14.97
13.01
14.12
13.44
81
29.47
P/E ratio (avg)x
26.36
25.83
29.26
34.50
35.27
40.15
44.63
44.24
51.08
56.78
7.544
44.63
37.71
38
15.52
P/TBVx
33.42
36.50
41.41
44.91
45.65
46.28
51.61
53.13
55.25
64.28
23.83
53.13
45.97
63
13.22
P/Bx
44.96
47.93
53.64
60.32
69.55
71.97
77.66
93.32
109.0
114.4
25.05
93.32
70.76
47
2.603
NII$B
1.053
1.126
1.197
1.297
1.378
1.518
1.620
1.812
1.950
2.114
0.912
8.93%
8.23%
—
9.76
NII grth%
1.17
1.32
2.49
0.40
0.40
3.35
3.26
5.02
8.00
6.81
2.47
5.02
2.87
88
16.80
ROTE%
22.29
19.69
21.09
20.77
19.07
16.27
17.33
16.47
18.67
17.44
8.88
17.33
18.87
21
13.94
Return on equity%
13.45
13.41
13.39
15.42
13.87
13.58
13.20
10.48
8.74
8.71
15.97
10.48
13.40
56
11.22
Return on assets%
9.05
10.69
11.52
13.94
12.48
9.67
8.78
7.96
9.80
9.26
20.61
9.26
9.73
29
3.09
EPS$
4.98
5.57
6.27
5.65
5.36
5.78
5.48
5.53
5.81
6.48
3.40
3.87%
3.76%
—
28.91
EPS growth%
24.80
24.52
26.03
23.28
24.18
23.09
20.81
20.50
18.52
18.12
9.38
20.50
23.18
28
2.08
Bookvalue per sh$
5.51
5.10
5.58
5.48
5.52
5.78
6.20
6.93
6.46
6.08
6.04
1.95%
1.55%
—
1.64
TBV/sh$
4.09
4.22
3.89
4.01
3.92
3.92
3.82
4.10
3.66
3.77
2.79
(0.77%)
(1.78%)
—
3.61
Dividend per sh$
3.02
2.85
2.96
3.24
2.99
3.16
3.35
3.76
4.21
4.20
6.02
7.06%
3.85%
—
13.14
Div yield (avg)%
7.63
7.70
6.74
7.23
6.02
6.89
6.51
7.57
9.86
8.32
10.00
7.57
7.40
55
18.45
Payout ratio%
5.79
8.19
10.02
9.00
7.73
8.93
7.68
6.53
6.21
6.06
29.97
6.53
7.70
93
315.8
Shares (diluted)M
306.3
299.5
271.7
266.0
241.8
249.4
267.8
296.8
294.6
289.6
311.5
3.67%
(1.56%)
26
4.06
Buyback yield%
11.09
10.04
8.92
10.69
9.67
11.59
9.01
10.84
11.56
11.38
28.29
11.38
10.77
88
82.06
Eq/Assets%
150.16
163.83
166.64
149.56
159.62
158.94
166.43
153.01
143.62
134.99
26.27
153.01
155.98
23
0.646
Assets$B
1.919
2.117
2.261
2.401
2.702
2.851
3.095
3.470
3.691
3.998
1.532
8.16%
8.62%
72
2,125
LT debt$M
264.0
259.1
287.4
316.0
365.0
375.0
374.3
380.8
386.0
410.6
769.8
2.38%
6.08%
49
Total assets
$3.998B
8.62%
1.03×
Revenue
$2.891B
8.30%
1.00×
Non-interest expense
$1.677B
8.31%
1.00×
Net interest income
73.13%
Non-interest income
26.87%