1.018
Revenue¥B
0.855
0.907
0.985
1.071
1.123
1.200
1.283
1.376
1.468
1.585
1.067
7.13%
7.08%
82
10.04
Revenue growth%
25.29
27.82
24.82
25.70
25.57
24.72
22.01
23.82
26.78
24.75
11.84
24.72
25.05
37
23.16
NIM%
15.07
15.96
18.71
15.90
15.86
18.73
21.28
22.22
19.85
18.88
17.72
19.85
18.72
82
21.91
Effic. R.%
14.50
13.97
13.39
11.05
11.86
13.18
15.24
15.75
18.73
18.86
12.50
15.75
14.24
20
26.03
Net margin%
26.15
28.19
25.91
23.49
23.04
24.65
24.81
24.64
24.90
24.86
19.33
24.81
24.83
48
22.57
P/E ratio (avg)x
12.95
12.81
11.99
12.94
11.76
11.26
11.41
12.41
11.32
12.87
17.46
11.41
12.20
37
14.46
P/TBVx
25.54
28.71
31.35
32.00
34.45
35.98
41.67
44.55
52.14
54.54
19.28
44.55
35.21
42
27.57
P/Bx
28.94
31.06
30.85
35.22
39.72
39.66
37.84
35.88
35.84
40.01
25.93
37.84
35.86
80
0.413
NII¥B
0.524
0.550
0.599
0.667
0.699
0.737
0.786
0.862
0.902
0.966
1.101
6.70%
7.09%
—
22.53
NII grth%
28.14
27.71
28.90
31.71
29.47
31.91
33.45
36.07
38.25
38.22
29.89
36.07
31.81
60
7.27
ROTE%
4.82
3.77
4.22
5.84
4.32
5.02
5.38
4.49
3.91
1.03
8.84
4.49
4.40
88
17.19
Return on equity%
28.06
30.53
32.20
31.97
32.19
34.06
34.36
33.68
34.77
33.46
8.52
34.06
32.83
81
18.57
Return on assets%
13.21
14.51
16.00
18.02
16.67
15.73
12.99
15.69
13.29
12.82
24.71
13.29
15.10
45
0.06
EPS¥
0.07
0.08
0.08
0.09
0.10
0.10
0.10
0.11
0.12
0.12
0.07
3.22%
6.57%
—
22.92
EPS growth%
18.00
20.37
22.09
22.93
20.43
17.75
16.00
13.63
14.72
13.01
17.86
14.72
17.88
81
0.11
Bookvalue per sh¥
0.18
0.18
0.18
0.18
0.17
0.16
0.17
0.19
0.19
0.18
0.10
1.42%
1.75%
—
0.06
TBV/sh¥
0.06
0.06
0.07
0.07
0.07
0.08
0.08
0.09
0.10
0.09
0.07
5.82%
5.31%
—
0.09
Dividend per sh¥
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.05
0.04
3.02%
1.60%
—
3.56
Div yield (avg)%
13.11
11.83
13.73
16.60
18.34
16.23
18.20
15.93
17.02
14.24
24.00
16.23
16.08
28
14.70
Payout ratio%
10.53
9.08
10.60
10.70
10.05
9.58
7.10
4.54
3.84
3.24
24.71
4.54
9.33
32
17.55
Shares (diluted)B
20.01
19.01
18.70
18.68
19.01
20.89
23.02
22.94
22.81
21.45
18.06
2.45%
1.28%
46
16.36
Buyback yield%
21.82
24.79
23.12
23.08
22.45
21.07
18.84
18.10
20.42
19.64
21.77
19.64
21.44
69
133.79
Eq/Assets%
77.00
75.26
79.16
70.96
63.32
61.20
65.60
60.14
53.66
52.36
25.64
60.14
64.46
88
0.707
Assets¥B
1.578
1.755
1.897
2.045
2.206
2.453
2.580
2.739
2.978
3.283
1.419
8.28%
8.74%
17
1.111
LT debt¥B
0.983
0.989
1.000
0.947
0.994
1.064
1.066
1.158
1.240
1.327
0.373
5.95%
2.95%
80
Total assets
¥3.283B
8.74%
1.17×
Revenue
¥1.585B
7.08%
1.00×
Non-interest expense
¥893.0M
6.74%
0.97×
Net interest income
60.97%
Non-interest income
39.03%
Spread over hurdle
43.61%