1.319
Revenue$B
1.003
1.096
1.200
1.265
1.357
1.435
1.539
1.628
1.758
1.889
1.451
6.84%
7.41%
21
27.63
Revenue growth%
5.73
4.80
7.76
4.95
7.44
7.71
7.45
6.33
5.35
8.24
27.61
7.45
6.89
77
7.48
NIM%
23.41
22.96
24.80
24.78
24.22
23.86
26.80
24.85
24.52
22.20
11.15
24.52
24.37
55
2.25
Effic. R.%
30.85
29.81
31.70
33.42
32.49
30.03
28.17
26.43
23.66
21.50
22.76
26.43
29.92
72
25.78
Net margin%
21.97
19.19
19.37
19.95
18.37
18.04
15.64
14.01
14.03
14.66
17.63
14.66
18.21
89
13.56
P/E ratio (avg)x
11.97
11.87
13.78
15.15
17.58
18.22
19.97
20.58
22.60
22.62
12.74
20.58
17.90
74
14.56
P/TBVx
28.60
32.68
33.23
32.73
35.34
34.97
34.10
33.96
34.04
34.11
12.54
34.10
34.00
53
28.24
P/Bx
31.66
31.98
33.06
29.17
25.29
23.38
24.93
24.28
23.02
24.37
19.73
24.28
25.11
69
0.451
NII$B
0.731
0.794
0.878
0.927
0.985
1.061
1.110
1.195
1.279
1.377
1.243
6.93%
7.32%
—
15.90
NII grth%
28.44
31.39
30.81
29.01
26.92
25.65
25.08
24.85
26.65
28.21
9.59
25.65
27.56
9
16.33
ROTE%
13.10
15.33
16.41
17.20
17.88
19.17
21.51
20.86
21.97
23.97
20.31
21.51
18.53
87
3.98
Return on equity%
16.19
15.53
16.01
16.45
14.16
13.26
13.95
15.12
13.73
11.76
10.05
13.73
14.64
82
13.20
Return on assets%
15.69
17.05
14.73
13.95
14.48
14.60
12.26
11.38
13.25
13.12
29.48
13.12
14.22
91
2.43
EPS$
0.72
0.80
0.88
0.89
0.98
1.02
0.97
0.98
0.91
0.86
2.50
(2.62%)
1.35%
—
14.83
EPS growth%
27.12
28.78
30.33
29.25
29.35
28.62
26.85
27.97
25.63
27.88
14.77
27.88
28.29
42
0.70
Bookvalue per sh$
1.26
1.15
1.25
1.40
1.38
1.56
1.66
1.59
1.48
1.46
2.42
1.06%
2.45%
—
2.26
TBV/sh$
0.73
0.84
0.90
1.06
1.16
1.20
1.27
1.42
1.51
1.82
0.51
9.45%
10.53%
—
1.45
Dividend per sh$
1.01
1.17
1.12
1.17
1.20
1.35
1.57
1.69
1.72
1.93
1.94
9.93%
7.13%
—
26.03
Div yield (avg)%
9.54
7.56
4.87
6.50
8.18
8.84
9.09
8.64
7.72
10.71
7.10
8.84
8.41
54
9.76
Payout ratio%
23.33
25.93
26.41
23.46
21.45
19.93
21.24
18.75
18.32
19.54
27.94
19.54
21.34
93
188.3
Shares (diluted)M
259.1
299.1
327.8
346.6
346.8
406.9
397.1
457.3
543.4
546.9
192.5
9.54%
8.57%
50
24.52
Buyback yield%
14.15
12.96
12.45
15.31
17.49
17.88
20.30
18.55
17.30
16.53
19.22
17.88
16.92
44
79.76
Eq/Assets%
60.06
62.13
60.63
57.04
63.55
66.71
65.26
59.38
53.60
48.92
50.20
59.38
60.35
30
1.285
Assets$B
0.643
0.676
0.751
0.788
0.873
0.949
1.034
1.119
1.242
1.342
0.505
8.97%
8.78%
91
1.551
LT debt$B
1.829
1.915
2.008
2.187
2.554
2.804
3.040
3.509
3.375
3.447
1.017
6.18%
8.48%
19
Total assets
$1.342B
8.78%
1.14×
Revenue
$1.889B
7.41%
1.00×
Non-interest expense
$1.068B
7.37%
1.00×
Net interest income
72.91%
Non-interest income
27.09%
Return on capital
125.97%