3.185
Revenue¥B
3.051
3.350
3.668
3.943
4.325
4.715
5.138
5.677
6.096
6.528
3.251
8.58%
8.72%
58
24.45
Revenue growth%
14.95
12.36
10.77
8.04
7.19
6.44
6.39
3.49
3.92
4.83
14.33
4.83
6.82
69
9.06
NIM%
15.54
15.98
16.34
14.58
17.26
16.43
16.00
14.20
11.91
14.27
24.18
14.27
15.76
51
16.61
Effic. R.%
14.09
14.78
17.42
18.96
20.72
18.99
20.82
21.31
21.59
21.87
6.60
21.31
19.86
83
16.43
Net margin%
7.98
9.95
7.35
6.33
3.97
1.03
3.62
0.98
0.40
0.40
12.17
0.98
3.80
31
36.91
P/E ratio (avg)x
29.24
29.20
32.64
30.31
31.41
31.08
34.78
36.56
39.54
43.55
13.10
36.56
32.03
36
12.01
P/TBVx
42.06
45.48
51.65
50.61
49.52
56.19
53.28
49.41
54.07
53.20
32.64
53.28
51.13
26
17.05
P/Bx
15.27
16.02
14.30
14.70
14.65
14.07
13.73
11.97
10.90
11.67
22.15
11.97
14.18
80
3.546
NII¥B
2.162
2.364
2.627
2.797
3.091
3.304
3.614
4.038
4.361
4.574
0.328
8.15%
8.63%
—
18.23
NII grth%
20.01
19.08
17.99
17.05
15.68
16.71
13.90
13.42
14.03
13.14
26.22
13.90
16.20
32
16.66
ROTE%
34.75
31.98
34.64
35.47
32.74
33.09
31.77
29.80
32.34
31.95
28.91
31.95
32.54
68
19.91
Return on equity%
23.17
25.89
24.74
23.83
23.08
20.32
22.14
20.62
22.43
21.00
11.28
21.00
22.75
79
11.89
Return on assets%
19.80
20.45
19.12
17.60
18.89
15.95
14.48
17.27
19.30
17.94
24.70
17.27
18.41
24
1.21
EPS¥
0.20
0.18
0.19
0.17
0.18
0.17
0.16
0.18
0.17
0.17
1.28
(1.69%)
(3.02%)
—
20.60
EPS growth%
2.07
4.91
5.85
3.45
6.44
4.14
3.91
6.81
6.61
9.27
20.93
6.61
5.38
70
0.24
Bookvalue per sh¥
0.38
0.41
0.42
0.39
0.42
0.47
0.46
0.43
0.47
0.44
0.37
0.92%
0.62%
—
0.61
TBV/sh¥
0.63
0.67
0.70
0.74
0.75
0.79
0.81
0.88
0.85
0.91
0.95
3.77%
4.66%
—
0.71
Dividend per sh¥
1.95
2.04
2.41
2.38
2.47
2.88
2.98
3.54
3.97
3.86
0.57
9.33%
8.30%
—
7.06
Div yield (avg)%
6.58
6.87
9.21
11.70
10.11
10.02
12.37
12.31
11.90
10.23
25.64
11.90
10.17
72
5.47
Payout ratio%
30.66
31.43
29.32
31.34
30.63
30.40
29.42
26.78
25.27
24.71
16.98
26.78
29.91
63
7.196
Shares (diluted)B
7.016
7.428
7.474
6.876
6.402
7.234
7.405
7.217
8.082
8.529
7.167
5.90%
2.92%
58
28.40
Buyback yield%
4.26
3.17
0.84
0.40
2.18
2.04
0.40
1.80
0.40
0.40
11.48
0.40
1.32
86
142.78
Eq/Assets%
107.62
95.53
102.87
115.18
121.08
127.13
138.49
140.29
148.04
147.63
58.19
140.29
124.11
74
4.806
Assets¥B
8.997
10.09
10.53
11.37
12.30
13.84
14.80
15.39
17.20
17.63
1.574
7.46%
7.36%
31
3.912
LT debt¥B
1.690
1.914
1.889
1.852
1.923
2.147
2.154
2.377
2.365
2.553
5.942
5.83%
4.72%
30
Total assets
¥17.63B
7.36%
0.88×
Revenue
¥6.528B
8.72%
1.00×
Non-interest expense
¥3.608B
8.58%
0.99×
Net interest income
70.06%
Non-interest income
29.94%