2.110
Revenue¥B
1.774
1.781
1.851
1.881
1.927
1.924
1.973
1.995
2.046
2.050
2.314
1.25%
1.51%
77
3.79
Revenue growth%
12.99
13.91
12.00
14.48
14.93
16.37
18.44
18.82
19.47
20.13
10.71
18.82
15.65
44
6.97
NIM%
21.01
23.14
23.08
20.75
18.76
16.86
17.74
18.49
17.72
16.82
18.11
17.72
18.62
21
3.06
Effic. R.%
4.17
4.46
6.63
3.88
3.15
1.37
1.54
3.29
3.39
5.01
7.29
3.29
3.64
85
17.02
Net margin%
29.56
30.26
28.94
29.69
28.13
30.64
30.50
31.13
33.69
35.13
19.33
31.13
30.38
28
17.81
P/E ratio (avg)x
23.64
21.14
21.03
19.68
21.91
20.34
22.43
21.46
21.27
20.54
20.41
21.27
21.21
39
31.47
P/TBVx
46.15
46.15
49.40
52.16
63.32
64.20
72.66
76.60
92.57
91.29
12.09
76.60
63.76
22
19.05
P/Bx
36.56
36.08
36.54
41.83
49.32
51.35
56.85
56.48
64.91
72.37
6.080
56.85
50.34
15
2.697
NII¥B
1.425
1.402
1.471
1.497
1.546
1.536
1.588
1.588
1.628
1.651
1.481
1.31%
1.70%
—
5.60
NII grth%
20.88
19.23
19.38
20.29
20.79
20.13
20.86
21.42
21.19
22.23
4.86
21.19
20.83
31
11.68
ROTE%
29.66
30.60
31.70
31.60
32.92
30.72
29.55
27.32
28.02
28.47
17.81
28.47
30.13
88
10.98
Return on equity%
27.22
25.14
26.79
28.65
26.09
28.18
27.64
29.49
28.15
29.54
4.37
28.18
27.89
85
21.42
Return on assets%
14.04
11.32
9.28
10.37
9.59
12.28
11.04
13.21
12.45
13.31
19.58
12.45
11.80
71
0.06
EPS¥
0.14
0.13
0.12
0.12
0.12
0.11
0.11
0.09
0.10
0.10
0.06
(2.08%)
(3.15%)
—
22.72
EPS growth%
7.68
9.49
9.35
7.66
5.30
2.72
2.86
3.41
0.54
2.39
17.39
2.72
4.36
63
0.04
Bookvalue per sh¥
0.16
0.17
0.15
0.15
0.15
0.14
0.14
0.13
0.13
0.14
0.15
(1.22%)
(1.52%)
—
0.15
TBV/sh¥
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.16
(1.06%)
(0.77%)
—
0.16
Dividend per sh¥
0.23
0.21
0.24
0.24
0.27
0.28
0.32
0.32
0.31
0.35
0.11
5.65%
5.79%
—
3.83
Div yield (avg)%
25.92
27.39
26.33
26.52
24.26
26.45
29.17
26.18
26.85
29.31
6.04
26.85
26.49
39
12.60
Payout ratio%
11.85
13.70
13.00
14.12
16.63
18.16
15.37
17.06
14.23
14.72
10.73
15.37
14.48
18
14.82
Shares (diluted)B
26.84
27.88
29.18
33.81
36.79
37.39
40.56
47.14
55.42
62.78
14.43
11.28%
9.93%
18
14.43
Buyback yield%
8.75
9.95
12.43
15.20
12.22
10.09
10.38
7.54
9.71
8.65
28.58
9.71
10.02
54
42.88
Eq/Assets%
19.56
20.82
20.26
22.33
22.66
23.20
21.13
18.90
18.28
18.18
151.76
18.90
20.54
48
0.244
Assets¥B
2.896
3.149
3.348
3.654
3.872
4.306
4.901
5.089
5.645
5.907
1.443
8.81%
8.37%
54
2.439
LT debt¥B
2.247
2.417
2.459
2.626
2.888
3.184
3.149
3.319
3.435
3.625
1.936
4.65%
5.59%
39
Total assets
¥5.907B
8.37%
1.92×
Revenue
¥2.050B
1.51%
1.00×
Non-interest expense
¥1.070B
1.52%
1.00×
Net interest income
80.52%
Non-interest income
19.48%