171.5
Revenue$M
298.4
305.5
317.8
338.0
346.8
354.1
378.5
399.4
415.4
437.4
175.6
4.75%
4.32%
14
27.88
Revenue growth%
18.95
18.03
15.58
14.45
13.24
14.82
13.92
16.52
15.00
15.58
21.82
15.00
15.29
61
2.19
NIM%
23.93
26.22
28.31
30.40
32.27
35.13
33.05
35.08
34.45
32.15
7.44
34.45
32.21
8
27.76
Effic. R.%
25.75
24.60
24.18
21.94
21.62
20.25
20.92
19.01
21.83
24.42
2.68
20.92
21.89
70
15.50
Net margin%
23.34
22.20
21.74
19.91
19.45
22.29
21.87
22.46
22.43
21.38
24.37
22.29
22.03
12
34.04
P/E ratio (avg)x
14.79
12.75
11.48
11.00
9.919
10.08
11.06
9.822
9.282
8.287
21.03
9.822
10.54
29
24.51
P/TBVx
23.42
22.50
21.23
21.48
19.71
19.49
21.49
20.78
20.81
21.69
27.19
20.81
21.36
80
28.84
P/Bx
22.06
24.74
26.90
30.89
32.73
37.85
41.31
42.91
45.78
47.73
18.73
42.91
35.29
81
410.1
NII$M
196.6
202.3
205.5
223.9
225.2
235.8
247.1
260.1
276.4
288.6
428.1
5.08%
4.33%
—
2.66
NII grth%
19.79
19.30
16.88
15.11
16.24
14.43
16.97
14.13
13.66
14.82
4.26
14.43
15.67
79
14.50
ROTE%
11.28
12.58
15.49
15.75
15.35
17.24
15.32
14.82
13.66
15.26
18.94
15.26
15.29
75
9.39
Return on equity%
27.07
28.09
26.31
26.76
24.90
25.32
26.71
28.72
28.20
26.37
17.40
26.71
26.73
54
8.28
Return on assets%
8.86
10.34
12.84
12.16
10.89
13.48
10.72
8.39
9.70
10.75
12.44
10.72
10.74
55
6.45
EPS$
5.75
6.15
5.74
5.91
5.87
5.36
5.96
5.78
5.46
5.16
7.01
(2.57%)
(1.41%)
—
12.10
EPS growth%
17.32
14.96
17.44
17.00
18.30
20.78
22.33
20.19
20.73
22.18
21.73
20.78
19.25
87
3.38
Bookvalue per sh$
12.40
12.77
12.90
15.35
16.40
17.34
17.17
17.24
18.55
21.91
5.60
5.96%
6.83%
—
5.94
TBV/sh$
12.03
12.84
15.06
14.62
14.43
16.41
18.62
19.96
23.23
24.15
4.84
10.86%
8.19%
—
2.33
Dividend per sh$
8.77
10.49
10.97
11.30
13.45
14.85
17.59
19.61
22.99
25.24
6.04
13.42%
11.80%
—
25.48
Div yield (avg)%
0.40
3.20
0.50
0.40
0.40
1.53
2.49
3.93
4.89
5.34
19.15
3.93
2.01
30
29.40
Payout ratio%
27.16
24.47
26.05
23.58
25.11
22.25
24.18
23.70
22.56
22.64
26.32
22.64
23.94
75
63.46
Shares (diluted)M
42.62
46.36
48.90
47.53
45.73
39.79
35.49
31.56
28.15
29.43
63.86
(8.44%)
(3.87%)
32
11.63
Buyback yield%
12.97
12.19
9.87
9.98
8.56
6.81
6.83
9.72
10.00
9.67
3.95
9.67
9.79
54
36.07
Eq/Assets%
18.79
18.97
17.83
19.35
20.28
23.44
27.29
30.44
31.00
35.69
95.68
30.44
21.86
45
0.591
Assets$B
1.170
1.294
1.430
1.499
1.637
1.759
1.949
2.033
2.246
2.443
0.295
8.34%
8.49%
21
0.025
LT debt$B
0.687
0.700
0.779
0.903
0.915
1.037
1.030
1.044
1.220
1.294
0.223
7.17%
7.62%
86
Total assets
$2.443B
8.49%
1.48×
Revenue
$437.4M
4.32%
1.00×
Non-interest expense
$253.2M
4.16%
0.99×
Net interest income
65.98%
Non-interest income
34.02%