0.424
Revenue¥B
1.305
1.352
1.411
1.435
1.482
1.547
1.605
1.607
1.617
1.693
0.469
2.70%
2.63%
86
18.57
Revenue growth%
8.92
6.32
8.41
7.51
7.99
7.26
5.71
8.49
10.93
13.01
17.54
8.49
8.20
50
22.36
NIM%
17.17
16.29
15.57
13.10
14.01
11.32
13.25
11.42
10.42
12.06
23.23
11.42
13.18
66
5.00
Effic. R.%
4.66
4.04
5.36
4.93
2.78
1.60
0.99
3.52
4.72
2.55
23.99
2.55
3.78
67
16.43
Net margin%
11.99
13.22
15.24
16.63
18.24
15.70
13.10
12.65
14.56
11.96
4.48
13.10
13.89
15
35.29
P/E ratio (avg)x
19.10
20.27
17.30
18.62
19.11
16.96
16.32
16.69
15.49
14.83
34.40
16.32
17.13
76
29.91
P/TBVx
33.88
31.99
34.68
36.81
33.97
36.41
36.43
35.12
39.03
36.22
20.63
36.41
35.67
84
9.535
P/Bx
23.24
22.57
21.79
19.57
21.36
20.84
22.48
22.96
24.14
22.29
27.80
22.48
22.38
86
0.590
NII¥B
0.947
0.996
1.024
1.035
1.084
1.137
1.168
1.170
1.165
1.251
0.890
2.90%
2.86%
—
9.49
NII grth%
24.32
22.26
19.37
21.04
20.14
17.19
17.22
17.66
15.71
16.38
7.00
17.19
18.52
66
2.68
ROTE%
9.25
10.78
9.74
8.24
6.82
3.95
0.97
0.40
0.40
1.19
19.25
0.97
5.38
47
19.29
Return on equity%
18.96
17.28
18.40
15.91
13.05
13.27
14.34
16.42
18.04
16.72
3.13
16.42
16.57
31
19.81
Return on assets%
28.98
30.98
33.62
35.61
35.57
34.35
31.63
30.32
30.06
27.81
18.83
30.32
31.31
94
0.21
EPS¥
0.23
0.26
0.24
0.25
0.26
0.24
0.24
0.23
0.23
0.24
0.21
(1.67%)
0.34%
—
20.81
EPS growth%
27.16
27.72
25.41
27.20
26.60
26.71
26.08
24.17
22.37
24.17
5.27
24.17
26.34
92
0.27
Bookvalue per sh¥
0.13
0.13
0.13
0.14
0.14
0.16
0.18
0.17
0.17
0.19
0.37
6.14%
3.91%
—
0.35
TBV/sh¥
0.48
0.53
0.51
0.60
0.64
0.68
0.66
0.70
0.70
0.78
0.29
3.98%
6.28%
—
0.07
Dividend per sh¥
0.26
0.30
0.29
0.30
0.31
0.34
0.39
0.45
0.41
0.43
0.30
6.83%
5.36%
—
15.71
Div yield (avg)%
18.74
18.24
15.37
18.32
17.60
17.73
18.77
20.77
20.00
20.46
27.71
20.00
18.53
34
26.97
Payout ratio%
17.41
14.98
12.95
15.38
15.49
15.44
12.96
13.02
12.65
14.53
4.98
13.02
14.75
24
2.659
Shares (diluted)B
2.475
2.693
2.695
2.721
3.063
3.361
3.441
3.582
4.047
4.076
2.711
5.88%
5.45%
86
24.36
Buyback yield%
20.55
20.03
17.89
18.42
16.67
18.02
20.61
18.06
20.69
20.19
15.44
20.19
19.22
86
103.66
Eq/Assets%
69.31
69.79
64.68
61.36
55.56
59.96
60.44
65.91
60.72
55.53
146.19
60.44
61.04
71
1.287
Assets¥B
2.980
3.207
3.483
3.875
4.141
4.402
4.861
5.455
5.891
6.470
0.271
9.34%
8.70%
60
1.028
LT debt¥B
1.750
2.066
2.099
2.197
2.512
2.815
2.895
3.121
3.352
3.863
0.243
8.99%
8.46%
58
Total assets
¥6.470B
8.70%
1.78×
Revenue
¥1.693B
2.63%
1.00×
Non-interest expense
¥767.1M
2.65%
1.00×
Net interest income
73.90%
Non-interest income
26.10%
Spread over hurdle
36.23%