0.566
Revenue¥B
0.565
0.593
0.629
0.684
0.732
0.762
0.829
0.899
0.953
1.033
0.626
7.15%
7.01%
65
26.17
Revenue growth%
15.42
14.87
13.89
13.61
11.92
13.67
15.83
13.81
11.77
10.62
26.60
13.67
13.74
55
29.14
NIM%
26.37
24.53
21.80
23.52
20.58
22.16
21.64
20.75
20.81
17.98
4.35
20.81
21.72
5
25.01
Effic. R.%
27.98
26.11
28.66
26.12
27.50
29.61
32.54
33.92
35.06
35.29
11.67
33.92
29.13
17
12.44
Net margin%
19.83
20.04
19.95
22.10
21.85
21.12
23.98
24.90
24.30
21.73
20.86
23.98
21.79
26
28.60
P/E ratio (avg)x
22.17
24.05
23.17
27.27
31.93
34.63
36.09
36.74
42.75
44.79
14.68
36.74
33.28
88
18.92
P/TBVx
11.15
10.92
11.25
11.23
10.11
10.39
9.271
9.069
9.554
10.29
27.56
9.554
10.34
59
31.96
P/Bx
26.75
29.74
32.25
30.92
33.06
33.84
39.25
45.29
43.38
42.17
31.79
42.17
33.45
89
826.1
NII¥M
333.5
353.7
373.4
407.7
426.5
445.2
495.1
521.4
559.7
615.0
446.7
7.59%
7.26%
—
4.98
NII grth%
1.65
2.82
5.49
2.81
0.40
0.45
0.72
1.77
3.74
4.42
21.07
1.77
2.29
15
9.43
ROTE%
17.83
19.54
19.10
21.45
20.34
19.49
22.30
23.14
21.51
21.08
25.89
21.51
20.71
14
17.14
Return on equity%
35.63
36.27
33.85
34.97
37.39
38.69
40.86
41.91
42.95
41.32
23.01
41.32
38.04
94
14.96
Return on assets%
15.77
17.24
16.83
14.99
13.93
12.66
11.31
8.64
7.53
9.91
23.02
9.91
13.30
84
0.05
EPS¥
0.04
0.03
0.04
0.03
0.03
0.03
0.03
0.03
0.02
0.03
0.06
(5.17%)
(3.17%)
—
3.09
EPS growth%
18.06
19.01
18.35
19.85
17.50
17.39
16.61
19.07
21.02
22.73
7.66
19.07
18.68
55
0.06
Bookvalue per sh¥
0.15
0.14
0.16
0.20
0.23
0.25
0.26
0.27
0.28
0.32
0.09
6.78%
9.42%
—
0.07
TBV/sh¥
0.11
0.13
0.13
0.15
0.17
0.17
0.19
0.22
0.25
0.24
0.09
7.17%
9.23%
—
0.06
Dividend per sh¥
0.14
0.16
0.18
0.21
0.22
0.25
0.25
0.26
0.26
0.28
0.07
5.39%
8.98%
—
5.76
Div yield (avg)%
13.79
15.28
12.58
14.23
13.78
13.10
13.56
11.24
10.33
10.30
22.08
11.24
13.33
69
29.05
Payout ratio%
14.13
14.93
12.96
13.85
14.55
14.31
15.32
15.03
15.88
14.14
22.62
15.03
14.43
9
6.148
Shares (diluted)B
3.762
3.901
3.459
2.958
2.875
2.662
2.830
3.002
2.756
2.612
6.046
(1.90%)
(4.82%)
9
11.72
Buyback yield%
27.26
27.29
29.67
32.00
33.93
36.55
37.35
40.25
40.51
38.80
29.02
38.80
35.24
36
18.96
Eq/Assets%
185.16
180.97
193.19
192.08
205.22
198.00
201.00
217.21
230.56
240.34
98.17
217.21
199.50
50
0.075
Assets¥B
3.646
4.107
4.438
4.913
5.202
5.485
6.034
6.633
7.270
8.191
0.285
9.50%
9.55%
58
0.296
LT debt¥B
1.188
1.252
1.214
1.175
1.126
1.126
1.211
1.284
1.448
1.660
0.722
8.07%
3.59%
15
Total assets
¥8.191B
9.55%
1.26×
Revenue
¥1.033B
7.01%
1.00×
Non-interest expense
¥457.6M
6.73%
0.97×
Net interest income
59.52%
Non-interest income
40.48%
Spread over hurdle
13.19%