1.518
Revenue$B
1.240
1.250
1.279
1.317
1.325
1.382
1.448
1.476
1.511
1.562
1.635
3.35%
2.56%
8
25.66
Revenue growth%
14.84
13.23
12.51
10.04
7.88
9.01
8.79
7.61
4.91
4.77
10.67
7.61
8.90
92
28.90
NIM%
4.62
4.51
4.37
5.82
3.07
3.99
5.17
3.37
0.68
1.71
26.61
3.37
4.18
8
3.39
Effic. R.%
18.05
20.72
19.90
19.62
17.81
18.08
15.29
14.86
15.36
16.80
23.92
15.36
17.93
18
26.33
Net margin%
19.11
20.53
20.37
20.72
18.63
19.12
16.71
16.71
19.47
22.40
27.53
19.12
19.29
81
23.17
P/E ratio (avg)x
17.98
19.12
18.64
20.83
20.71
20.85
23.33
20.97
19.14
18.84
36.53
20.85
19.92
21
28.33
P/TBVx
70.66
70.47
76.43
86.71
95.90
96.16
96.76
100.1
111.9
117.3
7.248
100.1
96.03
93
8.816
P/Bx
6.446
5.929
5.337
5.168
4.890
4.432
3.986
3.457
3.149
3.068
6.756
3.457
4.661
73
1.555
NII$B
0.956
0.956
0.981
1.009
1.002
1.059
1.098
1.123
1.144
1.197
0.783
3.62%
2.70%
—
8.92
NII grth%
7.64
5.59
7.55
4.63
3.32
3.34
3.08
2.43
0.40
0.40
29.55
2.43
3.33
63
9.94
ROTE%
8.37
8.62
7.77
4.95
2.11
1.57
0.40
1.57
0.40
1.44
7.19
1.44
1.84
69
19.58
Return on equity%
15.75
13.75
13.77
13.03
10.37
7.42
4.69
2.28
4.93
5.52
10.50
4.93
8.90
31
6.68
Return on assets%
22.50
21.57
20.35
18.32
16.26
18.75
21.00
21.58
20.11
18.92
25.41
20.11
20.23
91
3.30
EPS$
2.42
2.68
2.61
3.06
3.47
3.83
3.78
4.32
4.19
4.49
3.47
5.30%
7.10%
—
26.51
EPS growth%
18.53
18.01
18.00
17.74
19.99
21.15
21.90
21.39
19.21
19.28
15.45
21.15
19.25
20
1.46
Bookvalue per sh$
2.00
2.14
2.12
1.83
1.87
1.75
1.56
1.65
1.53
1.33
6.51
(6.63%)
(5.27%)
—
2.58
TBV/sh$
4.28
3.68
3.44
3.53
3.01
3.10
3.09
2.92
2.79
2.93
5.64
(0.52%)
(3.12%)
—
1.21
Dividend per sh$
8.74
10.49
12.31
12.96
14.49
14.13
16.43
18.84
20.16
22.62
6.30
9.31%
11.05%
—
18.89
Div yield (avg)%
24.56
26.35
24.21
27.19
28.86
26.09
24.16
25.52
25.39
28.25
7.38
25.52
25.81
70
19.41
Payout ratio%
8.53
5.74
3.97
2.25
3.37
4.63
7.38
9.97
12.59
11.56
9.54
9.97
6.56
51
145.1
Shares (diluted)M
201.2
198.5
212.6
225.0
259.6
252.3
296.2
328.7
372.9
409.6
141.9
9.55%
8.05%
72
8.81
Buyback yield%
2.19
2.21
1.07
0.40
0.40
0.40
0.40
0.40
2.85
1.53
11.86
0.40
0.74
89
50.86
Eq/Assets%
106.69
104.37
101.03
89.25
87.99
81.54
82.54
77.11
69.50
72.12
75.20
77.11
85.27
35
1.963
Assets$B
2.876
3.121
3.385
3.676
3.904
4.198
4.463
4.667
5.175
5.569
1.246
7.36%
7.86%
47
1.831
LT debt$B
0.402
0.466
0.554
0.655
0.672
0.716
0.810
0.859
1.018
1.177
2.041
11.86%
11.34%
80
Total assets
$5.569B
7.86%
1.65×
Revenue
$1.562B
2.56%
1.00×
Non-interest expense
$796.1M
2.58%
1.00×
Net interest income
76.63%
Non-interest income
23.37%