2.193
Revenue$B
3.452
3.570
3.585
3.618
3.774
3.907
4.050
4.215
4.279
4.382
2.240
3.03%
2.66%
64
16.79
Revenue growth%
3.13
2.47
0.89
0.40
1.26
4.22
5.45
4.98
6.64
9.17
8.71
5.45
3.68
66
12.87
NIM%
18.56
15.66
14.07
11.10
8.86
10.89
13.83
16.65
17.85
16.93
24.41
16.65
14.87
83
8.81
Effic. R.%
18.27
16.32
15.58
14.65
16.80
18.04
17.51
19.55
16.61
19.26
9.91
18.04
17.16
73
2.80
Net margin%
31.82
31.61
29.24
26.88
24.02
23.01
20.53
22.78
24.16
26.30
27.49
23.01
25.23
81
10.08
P/E ratio (avg)x
19.93
21.73
23.10
21.92
22.22
22.97
22.50
22.99
24.74
25.32
12.17
22.99
22.74
80
34.42
P/TBVx
33.44
36.72
36.06
39.55
37.61
41.29
46.28
43.17
41.27
39.85
18.06
41.29
39.70
81
14.97
P/Bx
21.50
23.37
25.63
26.33
27.65
26.06
23.39
22.55
20.76
20.20
13.08
22.55
23.38
51
2.458
NII$B
2.413
2.489
2.531
2.563
2.644
2.726
2.854
2.988
3.022
3.133
2.539
3.45%
2.90%
—
19.15
NII grth%
17.80
15.50
15.71
15.13
17.31
14.66
13.46
10.88
11.81
10.71
22.29
11.81
14.89
37
17.11
ROTE%
16.79
15.12
17.20
17.62
17.83
16.77
15.61
14.64
14.60
16.81
11.93
15.61
16.78
78
9.46
Return on equity%
11.30
8.61
9.66
8.19
5.70
8.21
7.27
6.72
8.29
8.17
3.80
8.17
8.20
24
15.77
Return on assets%
25.87
24.22
22.87
24.30
23.01
21.21
23.66
20.81
21.49
20.39
7.85
21.21
22.94
29
0.50
EPS$
0.86
0.94
1.05
1.21
1.20
1.27
1.44
1.45
1.44
1.70
0.54
7.27%
6.97%
—
6.68
EPS growth%
26.27
24.92
26.94
25.08
26.55
28.11
29.79
28.27
30.99
31.01
28.60
29.79
27.53
51
1.29
Bookvalue per sh$
1.28
1.40
1.47
1.59
1.40
1.33
1.35
1.37
1.32
1.21
0.66
(2.93%)
(1.41%)
—
1.18
TBV/sh$
0.59
0.61
0.69
0.71
0.82
0.94
0.88
0.95
1.04
0.98
0.89
3.68%
5.15%
—
1.00
Dividend per sh$
1.39
1.48
1.37
1.35
1.40
1.50
1.42
1.43
1.33
1.29
0.42
(1.61%)
(0.58%)
—
3.38
Div yield (avg)%
7.67
10.59
12.16
13.88
16.05
18.36
20.59
21.80
23.59
21.27
6.06
21.27
17.20
77
4.23
Payout ratio%
16.03
15.29
16.08
15.46
17.74
18.60
18.35
20.00
17.23
16.29
12.73
18.35
16.76
47
1.416
Shares (diluted)B
1.154
1.168
1.169
1.248
1.201
1.227
1.142
1.021
1.104
1.068
1.382
(2.31%)
(0.04%)
12
28.86
Buyback yield%
14.33
15.80
13.38
15.35
16.01
17.13
16.27
16.25
14.07
11.60
23.01
16.25
15.57
40
153.57
Eq/Assets%
186.31
174.13
185.51
186.97
212.48
203.26
192.43
186.53
177.69
172.85
34.48
186.53
186.42
69
2.181
Assets$B
9.366
10.04
11.18
11.83
12.57
13.81
15.48
17.28
18.71
19.70
2.212
9.40%
8.56%
74
3.781
LT debt$B
2.655
2.326
2.015
2.073
2.194
1.894
1.860
1.998
1.995
1.830
2.096
(3.57%)
(3.90%)
55
Total assets
$19.70B
8.56%
1.75×
Revenue
$4.382B
2.66%
1.00×
Non-interest expense
$2.097B
2.46%
0.98×
Net interest income
71.49%
Non-interest income
28.51%