1.517
Revenue¥B
1.886
1.923
1.976
2.046
2.047
2.095
2.195
2.241
2.261
2.271
1.556
2.10%
2.17%
15
11.28
Revenue growth%
10.80
11.80
13.33
10.63
12.49
11.82
13.34
15.96
15.44
16.97
7.37
15.44
12.91
35
29.55
NIM%
17.77
16.69
16.93
15.21
13.32
13.99
12.08
14.97
17.41
16.24
5.19
14.97
15.73
24
28.17
Effic. R.%
9.35
8.21
7.32
7.38
4.97
6.32
3.67
5.14
3.01
2.92
4.86
3.67
5.73
29
27.90
Net margin%
7.50
9.22
6.88
4.47
6.59
5.01
4.07
4.05
3.32
3.62
27.59
4.05
4.74
91
12.04
P/E ratio (avg)x
51.72
56.90
61.24
67.35
77.19
88.20
86.23
97.80
113.1
116.2
20.53
97.80
81.71
86
22.66
P/TBVx
29.80
28.14
29.03
31.32
29.97
33.53
34.82
34.69
32.86
36.69
36.11
34.69
32.09
78
24.20
P/Bx
28.60
32.14
36.53
39.76
39.69
36.64
39.88
44.85
43.66
50.00
29.14
43.66
39.73
28
0.095
NII¥B
1.083
1.099
1.134
1.161
1.170
1.203
1.275
1.289
1.304
1.296
1.376
2.07%
2.20%
—
20.31
NII grth%
16.46
19.00
21.74
22.12
19.26
18.99
18.24
20.48
19.44
18.49
11.75
18.99
19.13
61
18.72
ROTE%
2.01
0.40
0.40
0.40
0.40
0.40
1.14
1.60
4.18
3.92
18.05
1.60
0.77
59
20.45
Return on equity%
30.54
27.87
30.28
27.70
25.69
24.40
23.07
23.32
22.31
22.62
4.13
23.07
25.05
29
18.29
Return on assets%
15.38
16.64
19.18
20.75
18.79
18.82
20.89
22.72
20.98
19.58
9.54
20.89
19.38
13
0.05
EPS¥
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.05
(1.80%)
0.79%
—
6.32
EPS growth%
24.44
26.84
29.36
26.92
28.42
25.55
27.16
28.28
29.88
27.98
23.23
27.98
27.57
83
0.03
Bookvalue per sh¥
0.06
0.06
0.07
0.07
0.06
0.06
0.07
0.08
0.08
0.09
0.03
5.74%
4.45%
—
0.01
TBV/sh¥
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
(1.65%)
(2.80%)
—
0.03
Dividend per sh¥
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
(3.99%)
(4.07%)
—
7.87
Div yield (avg)%
9.68
9.60
9.32
11.16
9.84
9.74
9.82
10.94
10.34
9.52
23.28
9.82
9.78
55
10.95
Payout ratio%
28.38
27.18
27.43
26.39
29.17
31.39
28.99
26.50
25.71
27.20
25.72
27.20
27.31
50
37.21
Shares (diluted)B
27.44
28.15
24.77
22.53
22.93
20.30
21.22
18.59
16.65
16.20
37.57
(6.72%)
(4.88%)
90
22.15
Buyback yield%
14.82
12.43
15.23
13.89
10.99
12.16
14.97
14.11
11.20
10.74
2.46
12.16
13.16
50
121.86
Eq/Assets%
228.23
265.42
281.87
331.08
351.83
356.94
423.09
507.68
597.89
707.34
109.80
507.68
354.39
72
1.435
Assets¥B
1.246
1.291
1.357
1.537
1.579
1.799
1.897
2.140
2.272
2.422
0.690
8.94%
8.12%
83
1.235
LT debt¥B
2.491
2.868
3.081
2.998
3.448
3.422
3.728
4.398
4.158
4.687
0.607
6.34%
7.53%
74
Total assets
¥2.422B
8.12%
1.76×
Revenue
¥2.271B
2.17%
1.00×
Non-interest expense
¥1.291B
2.24%
1.01×
Net interest income
57.08%
Non-interest income
42.92%
Spread over hurdle
96.67%