0.727
Revenue$B
0.664
0.722
0.797
0.866
0.940
1.033
1.131
1.217
1.306
1.413
0.757
8.48%
8.63%
11
7.70
Revenue growth%
22.69
21.78
22.90
24.27
24.44
22.07
21.54
23.91
25.66
26.59
2.93
23.91
23.40
80
8.32
NIM%
6.71
8.84
8.34
9.93
11.50
13.90
11.68
9.94
9.24
7.47
2.42
9.94
9.59
76
25.78
Effic. R.%
25.35
22.73
22.21
23.23
21.11
22.80
23.10
23.63
22.70
24.16
13.36
23.10
22.95
74
4.19
Net margin%
9.16
9.86
7.56
8.79
6.93
7.65
7.90
10.26
12.85
15.40
22.85
10.26
8.98
90
24.52
P/E ratio (avg)x
10.95
11.85
10.89
10.17
9.278
9.703
10.71
11.77
13.13
14.36
28.62
11.77
10.92
65
9.965
P/TBVx
10.87
11.90
13.15
14.00
15.05
16.47
15.74
17.29
20.46
21.17
17.80
17.29
15.40
35
20.09
P/Bx
23.54
23.27
19.82
17.99
17.30
16.70
15.27
15.58
16.14
16.46
14.78
16.14
17.00
7
746.8
NII$M
395.2
441.0
485.5
513.5
558.8
613.6
672.3
739.7
780.3
844.0
605.7
8.59%
8.65%
—
19.87
NII grth%
20.35
18.54
19.00
19.24
16.75
15.46
14.97
16.29
18.07
15.21
15.30
15.46
17.41
38
8.65
ROTE%
19.65
20.92
18.87
20.96
21.91
20.19
19.08
20.18
18.14
17.34
14.31
19.08
19.92
55
7.68
Return on equity%
4.57
6.33
4.25
2.98
2.12
0.71
1.24
0.40
3.28
0.78
9.26
0.78
2.55
86
10.25
Return on assets%
21.67
20.76
21.39
20.06
19.89
22.50
23.50
21.40
19.67
19.10
3.92
21.40
21.07
71
2.08
EPS$
1.00
0.94
0.92
0.99
0.92
0.97
1.08
1.19
1.36
1.33
2.15
7.68%
2.96%
—
18.52
EPS growth%
17.52
16.47
19.14
18.95
21.38
21.58
24.45
26.75
28.75
27.71
10.60
26.75
21.48
12
1.40
Bookvalue per sh$
3.39
3.80
3.91
4.04
3.97
3.99
4.09
4.82
5.15
4.97
0.70
4.63%
4.89%
—
2.13
TBV/sh$
1.68
1.66
1.85
2.05
2.09
2.33
2.59
2.96
3.45
3.43
1.81
10.43%
7.90%
—
0.72
Dividend per sh$
2.12
2.36
2.31
2.67
2.96
3.03
2.88
2.84
3.19
3.20
0.95
1.58%
5.55%
—
19.81
Div yield (avg)%
16.55
18.77
17.06
14.22
11.61
9.32
10.15
10.44
7.78
6.16
26.42
9.32
11.02
68
17.03
Payout ratio%
24.73
22.25
24.78
26.71
25.81
24.49
22.80
23.12
21.08
23.88
24.58
23.12
24.19
93
122.7
Shares (diluted)M
151.7
157.1
171.5
180.9
190.3
214.3
254.6
281.1
325.7
324.3
119.8
11.26%
8.84%
56
7.74
Buyback yield%
17.27
17.40
15.25
13.56
15.00
14.04
12.39
15.24
12.28
13.54
9.58
13.54
14.52
47
27.43
Eq/Assets%
148.46
146.49
142.48
158.75
166.54
158.26
144.07
141.52
137.60
131.92
148.83
141.52
145.28
87
0.259
Assets$B
1.062
1.156
1.281
1.379
1.472
1.633
1.785
1.983
2.122
2.360
1.121
9.90%
9.30%
66
713.4
LT debt$M
54.63
46.78
45.58
38.59
36.39
30.97
30.47
30.67
31.23
33.59
228.0
(1.59%)
(4.66%)
30
Total assets
$2.360B
9.30%
1.06×
Revenue
$1.413B
8.63%
1.00×
Non-interest expense
$665.1M
8.58%
1.00×
Net interest income
59.73%
Non-interest income
40.27%