1.001
Revenue$B
11.26
11.35
11.73
12.09
12.15
12.14
12.04
11.89
11.77
11.95
1.118
(0.34%)
0.82%
22
26.20
Revenue growth%
27.39
24.74
25.79
23.81
25.76
26.98
27.51
25.09
23.47
26.40
23.56
26.40
25.78
22
13.23
NIM%
0.40
0.83
0.40
1.11
0.40
0.40
0.40
0.40
0.40
0.40
7.08
0.40
0.40
16
6.30
Effic. R.%
8.68
10.38
12.54
10.35
7.56
6.09
6.53
3.82
6.33
3.45
12.57
6.09
7.05
95
17.83
Net margin%
9.33
11.74
9.56
11.82
10.66
11.89
9.38
7.56
9.88
12.29
7.01
9.88
10.27
42
7.673
P/E ratio (avg)x
19.62
23.50
27.50
32.60
32.02
38.19
45.12
49.72
55.91
63.04
12.92
49.72
35.40
86
16.79
P/TBVx
50.67
52.98
50.65
51.21
53.33
55.73
63.19
70.58
79.69
89.15
11.91
70.58
54.53
10
20.61
P/Bx
30.93
27.92
25.55
23.06
23.81
24.21
25.58
22.62
20.22
22.26
17.85
22.62
24.01
18
7.499
NII$B
6.686
6.742
6.824
7.003
7.177
7.130
7.100
6.903
6.951
7.000
6.463
(0.50%)
0.69%
—
26.72
NII grth%
8.59
10.17
9.22
8.24
10.44
8.73
11.71
10.06
7.83
9.91
10.81
9.91
9.56
25
25.65
ROTE%
22.06
24.75
26.30
24.93
22.57
20.17
22.37
19.42
20.49
17.97
26.63
20.17
22.22
34
4.83
Return on equity%
16.07
16.49
16.86
14.20
11.41
10.37
10.35
12.07
9.92
12.83
25.46
10.37
12.45
73
18.03
Return on assets%
33.48
35.89
35.65
36.90
37.63
36.02
38.39
39.67
42.13
43.41
7.55
39.67
37.26
45
2.07
EPS$
1.70
1.70
1.75
1.62
1.57
1.53
1.47
1.55
1.51
1.69
2.14
1.54%
(0.67%)
—
20.46
EPS growth%
0.68
0.40
0.40
1.48
3.94
2.70
2.80
4.79
6.05
5.63
26.38
4.79
2.75
64
2.39
Bookvalue per sh$
0.95
1.11
1.06
1.20
1.43
1.50
1.46
1.60
1.88
2.07
0.74
7.69%
9.69%
—
0.97
TBV/sh$
0.63
0.60
0.52
0.54
0.45
0.45
0.42
0.44
0.40
0.42
1.86
(1.44%)
(5.48%)
—
0.88
Dividend per sh$
1.84
1.87
2.15
2.56
2.98
3.07
3.28
3.21
3.71
4.22
1.26
7.23%
8.92%
—
19.56
Div yield (avg)%
26.08
28.38
30.92
30.81
33.24
31.94
34.59
37.04
34.44
32.29
15.16
34.44
32.11
84
14.75
Payout ratio%
23.01
24.97
24.23
21.53
19.16
18.35
19.01
20.33
21.89
20.85
24.04
20.33
21.19
50
1.958
Shares (diluted)B
2.537
3.019
2.984
3.508
3.624
3.662
4.394
4.643
5.239
5.193
2.011
7.46%
8.31%
52
25.85
Buyback yield%
12.44
12.96
14.18
11.88
10.90
12.83
13.86
16.73
18.97
18.69
25.30
16.73
13.41
68
166.91
Eq/Assets%
206.19
232.62
235.39
255.25
289.92
314.10
350.29
353.82
340.59
403.50
143.12
350.29
302.01
22
10.99
Assets$B
29.84
31.88
35.63
36.83
39.27
43.61
49.44
54.25
59.06
63.39
12.07
10.05%
8.30%
95
10.60
LT debt$B
0.981
1.122
1.176
1.365
1.299
1.208
1.310
1.248
1.370
1.416
2.474
1.74%
4.86%
71
Total assets
$63.39B
8.30%
2.04×
Revenue
$11.95B
0.82%
1.00×
Non-interest expense
$6.680B
0.50%
0.97×
Net interest income
58.58%
Non-interest income
41.42%
Spread over hurdle
22.26%