374.6
Revenue$M
308.5
313.7
334.0
351.8
366.7
384.2
402.1
423.8
449.7
474.5
417.5
5.29%
4.80%
8
23.12
Revenue growth%
34.16
35.27
32.79
30.31
28.08
26.97
27.90
29.07
29.69
30.49
17.78
29.07
30.00
57
13.59
NIM%
13.59
12.66
12.90
14.23
15.64
15.08
12.20
10.79
9.80
12.71
6.25
12.20
12.81
57
26.60
Effic. R.%
0.40
0.40
0.40
2.13
1.84
0.69
3.17
2.04
1.85
3.28
29.77
2.04
1.85
66
23.40
Net margin%
23.30
20.58
20.00
21.41
19.05
16.84
14.53
11.57
12.32
12.95
25.85
12.95
17.94
71
25.58
P/E ratio (avg)x
24.05
25.80
26.87
29.18
29.76
27.95
29.37
30.52
31.34
28.99
20.91
29.37
29.08
11
15.57
P/TBVx
16.78
15.99
18.23
18.20
18.66
19.98
22.62
22.65
25.39
28.61
21.27
22.65
19.32
14
10.07
P/Bx
52.89
51.99
51.52
52.81
57.55
58.33
59.21
59.82
61.12
69.95
14.50
59.82
57.94
30
252.9
NII$M
196.2
198.4
212.0
222.0
231.9
242.5
250.5
267.7
286.5
303.6
372.8
5.54%
4.84%
—
29.13
NII grth%
11.66
14.07
13.79
16.37
15.31
13.74
13.81
14.17
14.67
14.63
11.12
14.17
14.12
72
19.81
ROTE%
16.39
19.20
19.93
18.49
21.35
23.62
21.02
20.01
19.01
17.73
22.72
20.01
19.56
44
5.79
Return on equity%
3.35
3.91
3.64
3.59
1.77
2.87
2.13
2.87
3.24
2.53
10.38
2.87
3.06
8
25.82
Return on assets%
2.28
0.40
2.41
5.05
7.73
6.26
5.76
3.10
2.69
4.32
28.69
4.32
3.71
94
3.41
EPS$
5.73
5.92
7.08
7.73
8.18
7.95
8.32
9.03
10.39
10.07
3.50
4.24%
6.75%
—
18.47
EPS growth%
10.44
12.30
14.61
15.87
12.89
10.72
13.05
14.23
11.56
14.44
16.28
13.05
12.97
58
3.25
Bookvalue per sh$
11.77
11.43
11.92
12.46
12.50
12.41
14.47
17.07
19.57
19.49
3.32
9.29%
6.12%
—
7.59
TBV/sh$
10.54
9.57
9.45
9.52
8.90
9.58
9.65
8.63
8.78
7.92
11.04
(2.32%)
(3.29%)
—
11.50
Dividend per sh$
5.48
5.69
6.22
5.62
6.25
6.54
7.30
7.03
6.54
6.07
11.27
(0.58%)
0.80%
—
17.34
Div yield (avg)%
14.00
12.42
15.39
12.97
13.86
16.73
14.40
16.94
17.89
16.72
15.97
16.73
14.90
91
26.67
Payout ratio%
35.07
36.72
35.08
37.06
39.94
42.66
45.30
46.02
43.31
46.10
17.93
45.30
41.30
56
35.69
Shares (diluted)M
60.95
67.32
65.12
69.80
79.29
91.87
97.73
96.36
101.5
103.0
36.06
5.38%
5.83%
23
24.23
Buyback yield%
18.86
21.33
22.84
21.38
23.05
20.75
20.49
19.61
20.13
22.08
15.95
20.49
21.04
24
109.01
Eq/Assets%
61.30
72.79
87.35
97.94
118.26
116.29
119.63
130.58
138.34
142.27
160.49
130.58
117.27
17
0.212
Assets$B
0.767
0.854
0.917
1.007
1.107
1.234
1.285
1.364
1.484
1.548
0.106
6.94%
7.70%
49
413.1
LT debt$M
47.95
46.58
44.30
40.23
43.28
43.68
45.29
47.77
51.54
57.22
137.9
5.74%
0.75%
72
Total assets
$1.548B
7.70%
1.31×
Revenue
$474.5M
4.80%
1.00×
Non-interest expense
$225.1M
4.80%
1.00×
Net interest income
63.99%
Non-interest income
36.01%