1.367
Revenue¥B
3.037
3.059
3.022
3.040
3.049
3.159
3.206
3.318
3.297
3.303
1.423
1.61%
0.94%
50
28.05
Revenue growth%
16.97
14.02
16.26
18.53
17.20
14.88
13.25
15.80
14.83
13.97
27.83
14.83
15.34
41
28.83
NIM%
11.44
13.27
12.53
11.80
11.74
10.32
10.28
12.52
10.55
9.27
18.17
10.32
11.59
24
11.24
Effic. R.%
10.80
9.76
12.39
11.39
10.31
9.75
7.50
10.40
10.08
10.29
2.13
10.08
10.30
78
14.73
Net margin%
14.62
16.51
13.85
12.18
11.24
9.14
8.11
7.83
7.89
9.32
4.14
8.11
10.28
67
17.01
P/E ratio (avg)x
18.88
19.82
20.04
21.08
22.30
20.62
18.02
17.46
18.27
16.64
25.38
18.02
19.35
76
17.84
P/TBVx
9.075
9.965
9.382
9.144
9.669
8.875
8.973
9.626
8.638
9.214
24.77
8.973
9.179
36
30.46
P/Bx
14.10
13.51
13.36
14.45
14.63
13.62
12.18
13.52
13.24
12.13
19.67
13.24
13.51
70
1.412
NII¥B
1.996
1.992
2.006
1.977
1.986
2.051
2.137
2.165
2.163
2.179
0.991
1.87%
1.05%
—
29.91
NII grth%
6.57
4.60
5.05
3.74
0.92
1.02
0.40
1.73
3.36
5.39
16.65
1.73
3.55
80
17.83
ROTE%
5.69
8.30
9.36
11.00
11.34
10.39
7.57
9.91
11.72
13.85
4.51
10.39
10.15
45
22.99
Return on equity%
31.37
33.69
30.93
33.08
35.88
38.34
37.20
37.64
35.53
37.14
17.05
37.20
35.70
22
16.60
Return on assets%
8.11
6.71
4.37
5.42
7.99
10.20
9.79
11.81
9.85
8.98
5.71
9.85
8.55
86
0.27
EPS¥
0.54
0.46
0.48
0.41
0.38
0.35
0.36
0.33
0.32
0.34
0.28
(2.05%)
(4.39%)
—
20.39
EPS growth%
3.97
4.95
4.59
6.68
3.91
2.11
2.19
2.39
2.18
2.87
6.18
2.19
3.39
42
0.40
Bookvalue per sh¥
0.38
0.39
0.37
0.40
0.38
0.34
0.32
0.28
0.27
0.30
0.23
(4.78%)
(3.22%)
—
0.25
TBV/sh¥
0.53
0.56
0.60
0.62
0.64
0.69
0.61
0.54
0.53
0.54
0.57
(3.14%)
(0.39%)
—
0.49
Dividend per sh¥
0.22
0.21
0.18
0.16
0.15
0.14
0.15
0.15
0.15
0.14
0.30
(1.03%)
(4.81%)
—
14.68
Div yield (avg)%
21.07
23.40
25.32
25.50
22.61
21.80
20.37
21.85
23.86
26.73
16.20
21.85
23.01
84
26.53
Payout ratio%
26.10
24.00
23.38
24.94
25.96
25.51
25.53
27.67
29.35
28.43
6.99
27.67
25.74
10
4.563
Shares (diluted)B
7.596
8.925
10.63
11.86
11.97
14.13
16.50
16.26
17.04
20.43
4.486
11.29%
12.44%
82
28.18
Buyback yield%
21.86
23.76
21.46
19.55
17.38
18.16
18.94
21.56
22.36
25.30
2.34
21.56
21.51
40
173.64
Eq/Assets%
147.62
131.30
140.91
124.74
113.33
105.09
96.56
97.20
98.77
95.53
33.57
97.20
109.21
34
0.483
Assets¥B
0.529
0.572
0.628
0.688
0.726
0.820
0.903
0.980
1.082
1.143
2.956
9.49%
9.30%
89
2.016
LT debt¥B
0.409
0.395
0.432
0.476
0.457
0.503
0.458
0.415
0.417
0.389
2.406
(3.14%)
(0.44%)
7
Total assets
¥1.143B
9.30%
2.22×
Revenue
¥3.303B
0.94%
1.00×
Non-interest expense
¥2.000B
0.95%
1.00×
Net interest income
65.98%
Non-interest income
34.02%
Return on capital
237.00%
Spread over hurdle
234.32%