189.6
Revenue$M
175.3
186.2
195.5
204.3
216.5
223.6
233.5
239.3
250.8
266.9
194.0
4.28%
4.49%
80
3.09
Revenue growth%
19.58
21.63
23.87
23.19
21.23
22.37
24.93
25.47
23.92
21.92
13.70
23.92
22.78
43
10.45
NIM%
1.77
0.40
0.63
0.40
0.40
1.64
0.74
0.57
0.40
0.40
19.65
0.57
0.48
68
21.53
Effic. R.%
11.30
12.93
14.90
15.28
16.71
17.25
19.39
19.47
16.63
14.76
5.95
17.25
15.95
64
3.15
Net margin%
24.79
24.61
21.71
23.20
23.00
21.48
23.58
21.96
19.50
16.69
11.26
21.48
22.48
61
10.98
P/E ratio (avg)x
46.75
48.95
49.54
56.16
56.72
56.21
63.60
69.26
79.84
84.05
35.30
69.26
56.47
13
13.83
P/TBVx
33.18
32.87
38.99
44.70
45.93
47.64
47.94
49.02
57.86
62.88
28.68
49.02
46.79
44
12.93
P/Bx
7.588
6.666
6.887
6.826
7.008
5.983
5.769
5.143
5.051
5.429
29.70
5.429
6.325
37
124.0
NII$M
133.5
140.7
145.6
152.5
164.2
168.2
173.7
179.4
187.4
200.2
204.2
4.04%
4.39%
—
21.80
NII grth%
28.61
29.19
30.16
29.96
32.39
33.16
30.72
32.91
33.66
33.77
8.22
33.16
31.56
23
3.60
ROTE%
15.29
17.08
16.08
13.22
14.62
12.10
10.28
11.06
12.54
14.18
26.77
12.10
13.70
13
29.23
Return on equity%
19.64
17.67
20.22
21.33
23.38
21.97
23.00
23.15
21.08
22.80
16.44
22.80
21.65
9
27.97
Return on assets%
26.52
27.65
27.59
27.73
29.15
30.21
33.06
35.83
33.80
34.46
20.75
33.80
29.68
44
5.60
EPS$
6.88
6.98
7.33
8.64
9.47
9.20
10.33
11.57
11.99
11.66
6.05
4.25%
6.08%
—
20.23
EPS growth%
18.75
16.86
19.74
20.20
19.33
18.98
17.99
19.82
21.63
19.98
17.84
19.82
19.53
29
4.20
Bookvalue per sh$
3.49
3.42
3.50
3.17
2.74
2.70
2.84
3.01
3.27
2.92
8.00
1.27%
(2.88%)
—
5.68
TBV/sh$
3.49
3.77
4.28
4.36
4.82
5.31
6.19
6.97
7.19
7.26
4.04
8.57%
7.93%
—
7.02
Dividend per sh$
11.44
11.72
13.32
15.00
15.50
15.01
16.80
17.54
17.61
19.45
6.46
4.64%
7.11%
—
17.89
Div yield (avg)%
11.08
11.85
11.51
11.28
12.77
15.04
16.83
18.85
16.37
17.69
18.18
16.83
13.91
73
24.98
Payout ratio%
16.96
15.63
12.70
14.98
13.87
15.61
14.35
12.06
9.90
8.75
2.43
12.06
14.11
82
20.34
Shares (diluted)M
35.37
37.93
45.81
48.88
52.03
62.34
61.97
74.04
74.43
89.85
20.00
11.55%
11.43%
73
5.56
Buyback yield%
32.15
29.32
31.35
30.76
33.71
36.09
34.84
33.02
31.74
33.18
3.70
33.18
32.58
13
170.36
Eq/Assets%
109.88
101.94
109.73
123.54
122.44
126.34
136.12
143.72
152.35
154.24
55.00
143.72
124.94
22
0.251
Assets$B
1.025
1.145
1.201
1.272
1.373
1.545
1.641
1.783
1.899
2.027
0.088
8.09%
7.93%
35
107.0
LT debt$M
219.1
197.6
204.5
200.9
214.0
234.4
217.8
221.9
228.7
249.8
133.3
3.14%
1.75%
8
Total assets
$2.027B
7.93%
1.38×
Revenue
$266.9M
4.49%
1.00×
Non-interest expense
$123.4M
4.58%
1.01×
Net interest income
74.99%
Non-interest income
25.01%