1.286
Revenue¥B
3.144
3.329
3.509
3.689
3.863
4.070
4.347
4.522
4.887
5.205
1.337
6.14%
5.95%
22
21.50
Revenue growth%
12.10
11.42
9.76
7.80
5.39
7.13
4.21
2.99
1.39
0.40
12.89
2.99
6.26
73
4.91
NIM%
12.77
12.93
13.83
15.72
13.21
10.74
11.98
10.80
9.17
6.51
8.41
10.74
12.38
85
26.67
Effic. R.%
18.07
16.14
15.04
13.11
14.89
15.56
17.67
19.06
17.36
18.53
11.31
17.67
16.75
55
24.10
Net margin%
18.84
20.89
23.44
23.91
24.43
25.42
26.29
29.22
27.10
27.07
24.43
27.07
24.93
84
35.42
P/E ratio (avg)x
26.28
26.42
27.43
28.96
33.92
37.77
40.15
42.59
42.93
49.13
22.72
42.59
35.84
32
17.58
P/TBVx
32.45
35.45
37.61
36.91
38.32
36.55
34.67
37.23
36.63
39.92
11.05
36.63
36.77
9
24.08
P/Bx
23.96
26.26
27.92
26.07
28.86
28.89
30.86
34.58
35.35
35.56
22.81
34.58
28.87
29
2.093
NII¥B
2.206
2.292
2.473
2.547
2.680
2.869
3.008
3.121
3.388
3.642
0.975
6.33%
6.05%
—
29.91
NII grth%
33.56
32.75
31.21
33.54
34.44
36.23
39.12
42.01
39.71
38.94
11.94
39.12
35.34
17
27.29
ROTE%
16.94
17.44
17.24
19.42
17.00
14.40
17.23
16.23
13.42
11.92
2.58
14.40
16.97
92
4.77
Return on equity%
12.40
12.93
15.22
15.91
15.87
18.44
17.41
16.50
19.46
20.75
16.67
18.44
16.21
36
28.20
Return on assets%
5.29
4.30
7.20
7.27
8.28
6.33
8.31
9.98
11.40
9.37
25.98
9.37
7.77
65
0.18
EPS¥
0.06
0.07
0.06
0.06
0.05
0.05
0.05
0.05
0.05
0.05
0.20
(1.61%)
(3.49%)
—
6.14
EPS growth%
22.00
21.81
24.03
22.81
23.09
24.95
24.35
27.06
28.12
25.61
4.85
25.61
24.19
87
0.18
Bookvalue per sh¥
0.27
0.31
0.33
0.35
0.37
0.37
0.40
0.44
0.52
0.61
0.25
10.25%
9.79%
—
0.06
TBV/sh¥
0.49
0.50
0.56
0.60
0.64
0.59
0.62
0.68
0.76
0.79
0.10
4.44%
5.31%
—
0.11
Dividend per sh¥
0.15
0.17
0.20
0.22
0.26
0.24
0.26
0.29
0.28
0.32
0.35
4.59%
9.78%
—
15.73
Div yield (avg)%
21.23
21.60
23.69
22.75
19.82
19.93
19.63
17.22
18.69
17.59
15.29
18.69
19.87
42
2.48
Payout ratio%
1.86
4.40
3.26
1.13
0.40
3.16
1.77
0.40
0.40
0.91
13.89
0.91
1.45
37
6.896
Shares (diluted)B
9.743
9.600
10.89
11.03
10.94
11.84
11.47
11.03
12.89
13.54
6.781
4.36%
3.24%
94
3.72
Buyback yield%
26.04
27.14
26.76
27.19
28.02
28.28
27.92
30.78
33.02
32.81
7.37
30.78
27.97
29
77.46
Eq/Assets%
91.09
84.36
91.17
81.63
69.38
65.63
64.99
61.52
53.05
53.09
116.62
61.52
67.51
75
0.896
Assets¥B
11.91
12.89
13.84
15.48
16.66
17.93
19.08
20.24
21.89
23.38
3.311
7.01%
7.86%
57
3.120
LT debt¥B
4.217
4.590
4.857
4.774
4.835
5.067
5.178
5.976
6.913
7.911
0.761
10.35%
7.25%
21
Total assets
¥23.38B
7.86%
1.20×
Revenue
¥5.205B
5.95%
1.00×
Non-interest expense
¥2.587B
5.81%
0.99×
Net interest income
69.97%
Non-interest income
30.03%