1.194
Revenue$B
1.835
1.943
2.044
2.235
2.435
2.582
2.735
2.889
3.050
3.279
1.252
6.13%
6.59%
86
20.81
Revenue growth%
19.80
22.73
20.48
22.87
23.92
24.57
24.54
24.16
21.35
23.20
12.14
24.16
23.03
63
2.04
NIM%
9.08
10.99
8.80
6.70
6.01
7.30
6.70
3.79
3.61
3.06
29.64
3.79
6.70
83
23.83
Effic. R.%
15.71
16.77
15.63
13.18
12.54
12.25
11.82
9.48
9.94
8.67
12.21
9.94
12.39
81
13.04
Net margin%
18.65
16.57
18.69
17.67
20.51
23.24
23.13
22.68
21.97
19.74
18.20
22.68
20.13
94
14.81
P/E ratio (avg)x
20.17
18.04
18.28
19.03
17.66
18.84
20.44
19.67
21.14
21.57
9.807
20.44
19.35
82
21.33
P/TBVx
34.42
31.48
31.40
28.43
30.67
28.59
26.57
24.04
25.08
25.06
34.82
25.08
28.51
29
28.65
P/Bx
14.31
13.01
14.10
15.44
13.38
12.25
10.63
11.73
10.79
10.74
13.96
10.79
12.63
52
0.626
NII$B
1.225
1.297
1.338
1.495
1.603
1.705
1.801
1.906
2.023
2.147
1.654
6.02%
6.36%
—
12.90
NII grth%
10.03
12.37
13.60
11.62
9.47
8.74
7.95
8.96
6.42
4.13
15.86
7.95
9.21
53
16.03
ROTE%
5.79
3.22
2.74
0.40
1.42
0.40
0.40
2.45
4.69
6.66
29.70
2.45
2.60
65
21.83
Return on equity%
24.76
25.71
22.89
23.89
22.50
22.78
23.77
21.34
18.46
16.11
14.98
21.34
22.84
31
9.67
Return on assets%
17.95
19.36
17.98
20.77
19.59
18.34
20.75
21.91
21.51
21.36
14.56
21.36
20.17
12
3.89
EPS$
3.00
2.87
2.52
2.61
2.82
3.00
2.73
2.71
2.88
2.83
4.32
0.10%
(0.61%)
—
16.65
EPS growth%
0.48
3.47
3.74
5.71
7.80
5.03
6.14
4.66
5.61
6.16
6.04
5.61
5.32
79
1.64
Bookvalue per sh$
5.72
5.38
5.06
5.46
5.10
4.98
4.35
4.54
4.55
4.32
4.69
(3.24%)
(2.02%)
—
2.91
TBV/sh$
5.08
5.49
5.54
6.14
6.81
8.02
8.99
9.07
10.77
11.64
4.08
11.30%
8.88%
—
1.91
Dividend per sh$
3.52
3.31
3.34
3.43
3.47
3.33
3.52
3.63
3.52
3.86
4.60
2.16%
1.49%
—
3.22
Div yield (avg)%
30.12
27.87
30.77
32.92
34.24
33.51
36.36
35.94
33.37
35.76
22.40
35.76
33.44
68
17.65
Payout ratio%
4.89
3.76
3.99
6.99
5.67
8.37
7.17
5.55
3.56
4.79
9.34
5.55
5.22
58
274.3
Shares (diluted)M
342.6
345.7
351.3
354.4
400.0
443.5
458.3
508.7
552.7
565.9
282.9
7.18%
5.51%
53
2.80
Buyback yield%
31.24
29.05
26.50
27.08
27.25
24.75
25.96
28.56
30.42
31.51
26.58
28.56
27.91
85
102.80
Eq/Assets%
68.22
66.90
71.01
67.56
58.57
51.11
49.78
44.22
47.01
49.39
23.58
49.39
54.84
19
1.835
Assets$B
7.358
7.930
8.528
9.605
10.09
10.73
11.93
13.14
14.58
15.71
2.412
9.26%
8.72%
73
1.013
LT debt$B
3.206
3.027
2.902
3.120
3.374
3.390
3.547
3.640
3.843
4.464
2.511
5.76%
4.42%
28
Total assets
$15.71B
8.72%
1.22×
Revenue
$3.279B
6.59%
1.00×
Non-interest expense
$1.969B
6.59%
1.00×
Net interest income
65.48%
Non-interest income
34.52%