2.230
Revenue¥B
11.79
11.99
12.19
12.82
13.25
13.54
14.00
14.61
15.20
15.96
2.439
3.80%
3.53%
69
25.58
Revenue growth%
4.78
4.43
6.33
4.74
4.23
1.50
1.15
3.58
6.32
7.90
3.42
3.58
4.59
76
20.28
NIM%
32.92
32.69
35.68
34.62
34.89
32.27
34.19
34.22
31.77
31.47
2.37
32.27
33.55
36
24.66
Effic. R.%
9.16
11.57
10.97
9.08
7.83
8.72
10.56
8.61
10.56
9.81
13.09
9.81
9.49
48
5.57
Net margin%
5.01
3.62
3.53
5.64
7.93
10.65
9.30
10.57
8.18
5.93
19.05
9.30
6.93
90
25.20
P/E ratio (avg)x
40.28
41.38
46.62
51.23
57.04
65.20
75.68
77.86
79.38
73.91
12.21
75.68
61.12
33
30.90
P/TBVx
5.188
5.560
4.959
4.891
5.088
4.723
4.616
4.116
4.391
4.546
21.64
4.546
4.807
84
26.08
P/Bx
27.74
25.08
22.91
21.49
19.82
21.31
19.61
20.29
20.45
18.42
17.93
20.29
20.88
34
2.387
NII¥B
8.594
8.835
9.015
9.373
9.724
9.911
10.28
10.65
11.10
11.79
10.49
3.93%
3.47%
—
11.37
NII grth%
6.45
6.91
9.44
7.32
7.21
5.26
7.24
4.39
6.53
7.26
10.14
6.53
7.06
37
26.70
ROTE%
6.41
8.97
8.71
9.56
6.77
5.11
5.83
5.24
2.26
4.22
8.55
5.11
6.12
33
18.42
Return on equity%
27.00
29.08
26.17
24.72
27.02
26.44
24.32
24.67
24.55
21.77
29.77
24.55
25.44
40
8.69
Return on assets%
10.87
13.71
14.29
13.89
12.70
13.42
15.44
14.22
13.70
15.76
16.09
14.22
13.80
35
0.49
EPS¥
0.30
0.32
0.33
0.37
0.39
0.43
0.41
0.41
0.39
0.45
0.53
2.94%
4.36%
—
21.56
EPS growth%
23.44
21.12
23.65
25.74
27.50
25.32
22.41
21.36
19.99
21.14
27.68
21.36
22.93
77
0.88
Bookvalue per sh¥
1.01
1.07
1.01
1.03
1.18
1.09
1.16
1.33
1.47
1.62
1.29
6.54%
5.27%
—
1.18
TBV/sh¥
1.99
2.00
2.27
2.22
2.43
2.73
3.18
3.29
3.85
4.60
0.99
13.65%
9.53%
—
0.60
Dividend per sh¥
0.58
0.55
0.57
0.54
0.54
0.62
0.69
0.80
0.93
1.03
0.89
13.76%
7.34%
—
14.15
Div yield (avg)%
5.82
6.55
8.82
6.08
8.18
5.59
6.74
9.70
9.92
8.99
21.45
8.99
7.46
79
15.64
Payout ratio%
28.98
29.60
31.17
28.63
30.46
27.87
30.84
31.01
29.03
29.26
28.27
29.26
29.43
86
4.902
Shares (diluted)B
3.791
3.764
3.684
3.389
3.275
3.310
3.316
3.328
3.565
3.906
4.814
3.59%
(0.11%)
87
24.15
Buyback yield%
19.69
22.08
23.29
22.00
24.28
25.49
23.54
23.53
25.41
25.12
17.03
25.12
23.53
16
145.70
Eq/Assets%
67.85
61.45
63.68
66.31
68.17
69.45
69.31
63.50
59.99
52.37
146.74
63.50
65.00
6
4.807
Assets¥B
24.10
25.59
28.07
30.06
31.98
34.23
36.62
40.44
43.47
47.37
3.561
8.17%
7.45%
55
14.52
LT debt¥B
18.38
20.57
23.23
23.89
25.34
26.54
31.23
36.52
37.82
44.48
8.780
11.91%
10.62%
11
Total assets
¥47.37B
7.45%
1.45×
Revenue
¥15.96B
3.53%
1.00×
Non-interest expense
¥8.441B
3.68%
1.01×
Net interest income
73.87%
Non-interest income
26.13%
Spread over hurdle
23.71%