0.973
Revenue$B
0.538
0.554
0.585
0.603
0.640
0.675
0.709
0.737
0.759
0.784
1.018
4.14%
4.40%
9
29.02
Revenue growth%
30.20
30.75
30.51
29.63
30.47
29.07
31.57
29.61
27.88
29.08
20.68
29.08
29.92
60
27.83
NIM%
29.38
26.42
23.57
24.16
27.05
26.71
28.51
30.78
31.29
31.94
2.33
30.78
27.78
21
15.59
Effic. R.%
11.15
8.73
9.82
7.07
5.57
5.40
8.21
10.30
8.94
10.66
22.96
8.94
8.84
35
25.22
Net margin%
13.51
12.12
9.58
7.57
9.40
11.48
10.98
10.11
12.23
12.50
28.54
11.48
11.23
6
31.69
P/E ratio (avg)x
58.68
66.24
78.22
91.59
107.8
115.7
121.0
141.9
162.5
155.7
8.056
141.9
111.8
27
12.84
P/TBVx
6.792
6.599
6.552
6.406
5.791
5.237
5.053
5.124
4.944
4.926
9.538
5.053
5.514
46
35.41
P/Bx
27.61
28.86
31.28
34.12
36.81
40.14
43.83
45.12
53.13
52.70
22.97
45.12
38.48
90
920.5
NII$M
392.0
409.2
431.9
440.8
472.6
491.6
517.6
545.5
560.8
570.4
84.34
3.83%
4.32%
—
15.47
NII grth%
18.07
20.55
23.41
24.75
24.12
24.91
25.03
26.03
27.17
26.18
27.60
26.03
24.83
74
19.52
ROTE%
21.06
18.91
17.67
19.59
21.62
23.14
25.45
25.62
27.72
27.91
22.99
25.62
22.38
89
5.96
Return on equity%
14.96
13.50
15.50
14.62
15.42
13.11
15.43
14.09
15.19
15.03
7.46
15.03
15.00
58
19.89
Return on assets%
7.07
8.56
7.53
5.66
4.25
3.31
4.98
3.57
6.27
4.10
20.21
4.10
5.32
80
3.17
EPS$
2.40
2.62
2.52
2.72
2.80
3.10
3.12
3.37
3.47
3.25
3.53
3.08%
4.33%
—
12.69
EPS growth%
12.52
13.51
13.19
11.20
11.20
11.91
14.50
13.43
10.68
12.27
17.11
12.27
12.40
76
4.44
Bookvalue per sh$
5.41
5.54
5.09
4.72
5.32
5.91
6.18
6.36
6.55
6.63
4.59
4.52%
2.24%
—
1.32
TBV/sh$
1.38
1.46
1.47
1.37
1.55
1.44
1.36
1.25
1.43
1.57
2.24
0.18%
2.61%
—
2.73
Dividend per sh$
1.70
1.72
1.97
2.20
2.36
2.31
2.34
2.55
2.39
2.57
2.14
1.70%
4.06%
—
7.25
Div yield (avg)%
12.94
11.69
12.07
14.05
11.22
8.28
11.02
13.82
13.26
14.53
24.59
13.26
12.51
89
2.16
Payout ratio%
10.31
9.12
9.71
12.70
11.73
12.57
12.55
12.14
9.73
7.56
25.48
12.14
11.02
38
103.1
Shares (diluted)M
106.0
120.5
129.0
137.6
143.2
139.4
151.7
146.3
161.5
171.1
105.1
3.63%
5.59%
72
29.08
Buyback yield%
27.99
29.45
26.54
26.81
29.21
29.27
26.60
25.96
26.03
27.73
19.44
26.60
27.27
81
169.56
Eq/Assets%
27.68
26.31
27.93
25.10
23.23
22.98
23.93
26.76
29.70
26.51
125.94
26.51
26.41
42
0.776
Assets$B
0.974
1.095
1.166
1.227
1.338
1.455
1.600
1.709
1.924
2.054
0.054
8.95%
8.32%
19
0.604
LT debt$B
0.872
0.977
1.162
1.193
1.375
1.382
1.353
1.597
1.700
1.949
0.437
7.23%
8.54%
33
Total assets
$2.054B
8.32%
1.45×
Revenue
$784.4M
4.40%
1.00×
Non-interest expense
$421.7M
4.47%
1.01×
Net interest income
72.71%
Non-interest income
27.29%
Spread over hurdle
39.16%