1.250
Revenue$B
0.888
0.901
0.907
0.930
0.966
0.982
1.018
1.042
1.072
1.111
1.310
2.83%
2.72%
44
21.71
Revenue growth%
25.75
26.44
26.17
25.77
25.21
27.21
28.64
28.50
27.94
25.79
17.10
27.94
26.31
74
25.83
NIM%
23.28
22.79
21.67
18.99
19.51
22.36
23.58
20.80
19.26
22.17
20.09
22.17
21.92
85
27.98
Effic. R.%
18.23
16.06
13.98
12.23
12.87
14.15
15.05
16.20
16.05
17.36
12.64
16.05
15.55
23
8.99
Net margin%
17.77
17.50
19.17
18.67
20.76
20.90
18.08
20.27
18.61
16.82
6.88
18.61
18.64
58
35.81
P/E ratio (avg)x
15.16
16.09
17.52
17.58
19.05
21.34
20.92
20.92
20.81
19.97
29.73
20.92
19.51
65
36.69
P/TBVx
52.40
57.50
65.93
78.56
93.50
101.5
108.4
118.9
137.4
150.4
33.99
118.9
97.50
23
24.10
P/Bx
24.80
28.80
31.82
34.78
39.74
41.70
46.30
46.79
54.62
59.37
22.42
46.79
40.72
9
135.8
NII$M
577.3
588.9
593.2
604.2
625.7
642.4
667.6
674.0
699.3
729.4
475.5
3.11%
2.63%
—
8.34
NII grth%
15.79
15.73
13.38
14.14
12.34
14.49
12.11
11.73
8.78
8.69
3.95
11.73
12.86
12
4.39
ROTE%
1.55
0.81
0.40
0.63
0.40
0.40
0.40
1.70
2.76
0.79
13.68
0.79
0.71
75
16.77
Return on equity%
13.92
16.33
15.56
13.79
12.01
13.99
16.04
16.51
17.63
20.13
9.27
16.51
15.80
21
20.94
Return on assets%
22.37
25.32
25.71
27.51
30.09
27.48
28.76
28.18
30.75
28.18
9.27
28.18
27.84
83
5.15
EPS$
5.27
5.68
5.10
4.76
4.26
3.86
3.37
2.95
2.69
2.33
5.72
(11.37%)
(8.08%)
—
21.59
EPS growth%
3.49
2.02
1.84
2.02
1.62
0.40
2.10
2.69
0.93
2.19
8.05
2.10
2.02
78
6.59
Bookvalue per sh$
2.70
3.19
3.40
4.01
3.93
4.19
4.86
4.79
5.74
6.51
0.99
10.60%
9.82%
—
6.91
TBV/sh$
9.37
9.96
9.31
10.04
11.20
11.58
12.00
12.12
11.62
12.76
3.66
2.64%
3.79%
—
1.21
Dividend per sh$
8.06
8.05
8.92
9.13
10.26
10.30
11.26
11.61
12.82
14.47
4.13
7.12%
7.39%
—
20.23
Div yield (avg)%
27.29
25.44
25.92
24.85
23.71
25.20
26.95
24.04
25.38
23.28
24.81
25.20
25.29
12
27.55
Payout ratio%
8.92
10.26
8.74
10.06
11.91
9.73
12.51
10.09
10.01
12.92
13.20
10.09
10.08
41
66.41
Shares (diluted)M
93.79
95.76
99.84
98.13
104.3
119.9
128.4
146.9
147.4
138.2
66.64
5.79%
5.33%
40
16.20
Buyback yield%
27.96
29.89
28.16
26.18
25.27
25.72
23.50
20.76
21.17
19.12
5.85
21.17
25.50
85
114.80
Eq/Assets%
10.03
11.19
12.22
11.01
12.21
11.49
10.91
11.66
12.51
12.44
104.62
11.66
11.57
59
0.271
Assets$B
0.627
0.667
0.713
0.809
0.834
0.917
1.045
1.084
1.164
1.261
0.342
8.61%
8.35%
79
0.770
LT debt$B
0.985
0.990
1.021
1.090
1.198
1.198
1.362
1.398
1.553
1.538
1.434
5.13%
4.45%
29
Total assets
$1.261B
8.35%
1.71×
Revenue
$1.111B
2.72%
1.00×
Non-interest expense
$672.0M
2.79%
1.01×
Net interest income
65.67%
Non-interest income
34.33%