481.2
Revenue$M
518.9
542.3
580.4
618.7
675.8
738.1
798.0
834.5
910.6
986.3
532.1
7.85%
7.22%
93
23.86
Revenue growth%
33.23
33.14
35.36
32.55
32.31
34.56
34.46
33.26
31.40
33.41
8.64
33.41
33.24
36
10.29
NIM%
24.23
26.35
28.06
27.71
28.33
28.90
29.38
27.11
24.69
26.95
16.82
27.11
27.41
17
29.06
Effic. R.%
7.18
7.56
5.87
8.64
7.50
8.47
8.91
6.86
5.00
2.24
4.07
6.86
7.34
15
21.39
Net margin%
4.96
2.44
1.71
0.40
2.29
5.06
5.76
7.51
9.31
12.04
11.43
7.51
5.01
66
30.66
P/E ratio (avg)x
39.99
42.02
40.02
40.03
38.85
39.96
38.44
38.67
34.24
37.13
23.14
38.44
39.41
74
29.26
P/TBVx
24.01
24.66
23.22
23.74
21.32
20.87
18.85
20.63
21.75
21.73
7.890
20.87
21.74
8
32.86
P/Bx
13.21
11.75
11.41
12.48
12.49
12.96
13.08
12.44
12.73
12.76
7.967
12.76
12.61
9
735.1
NII$M
284.7
302.9
326.8
350.2
379.6
405.2
443.7
472.3
511.0
555.4
654.8
7.91%
7.19%
—
6.78
NII grth%
24.63
23.42
23.58
21.46
23.91
24.58
22.23
21.60
21.39
23.23
17.41
22.23
23.33
63
11.61
ROTE%
3.89
2.24
0.40
0.40
0.40
0.40
0.88
3.63
1.30
4.26
26.66
1.30
1.09
32
21.85
Return on equity%
6.67
3.99
4.24
6.05
5.93
8.47
10.11
8.13
5.53
5.46
5.38
8.13
5.99
41
27.73
Return on assets%
34.02
35.40
35.07
32.51
31.42
32.98
33.92
36.80
38.16
39.10
2.43
36.80
34.54
42
0.84
EPS$
0.78
0.77
0.81
0.95
1.07
1.18
1.28
1.38
1.53
1.60
0.93
8.30%
7.90%
—
27.72
EPS growth%
9.84
9.10
8.84
7.72
10.06
10.33
9.16
8.57
9.78
12.52
16.65
9.78
9.47
95
0.97
Bookvalue per sh$
0.51
0.53
0.56
0.62
0.74
0.71
0.74
0.78
0.74
0.84
0.44
2.59%
6.05%
—
1.10
TBV/sh$
1.03
1.04
0.92
0.84
0.93
0.88
0.98
0.90
0.95
1.07
0.23
2.84%
0.50%
—
1.18
Dividend per sh$
0.54
0.59
0.55
0.59
0.59
0.56
0.56
0.53
0.53
0.55
0.31
(1.38%)
(1.03%)
—
15.87
Div yield (avg)%
24.89
24.43
22.50
21.64
21.45
21.48
20.92
18.63
17.38
17.34
19.41
18.63
21.47
26
21.96
Payout ratio%
16.04
18.94
19.00
17.69
18.22
16.38
17.47
15.41
12.83
13.74
26.31
15.41
16.92
67
272.0
Shares (diluted)M
344.8
313.5
312.4
284.8
309.7
287.8
260.8
291.0
315.6
315.8
268.9
0.39%
(0.15%)
29
6.72
Buyback yield%
7.88
9.13
6.42
9.29
10.98
11.09
8.81
6.45
4.37
1.74
14.04
6.45
8.34
79
94.07
Eq/Assets%
238.29
261.21
255.11
290.99
352.38
388.71
425.87
475.63
552.09
546.71
19.35
475.63
370.55
52
0.573
Assets$B
3.162
3.356
3.593
3.810
4.134
4.625
5.082
5.352
5.834
6.293
0.153
8.76%
7.56%
36
483.9
LT debt$M
117.1
132.0
139.1
145.3
137.3
156.4
155.7
146.8
146.6
141.7
338.4
0.63%
1.25%
22
Total assets
$6.293B
7.56%
1.03×
Revenue
$986.3M
7.22%
1.00×
Non-interest expense
$532.8M
7.30%
1.01×
Net interest income
56.31%
Non-interest income
43.69%