699.4
Revenue$M
420.2
465.5
515.6
548.5
607.8
662.6
713.1
788.9
849.8
939.4
758.2
9.10%
9.33%
9
23.45
Revenue growth%
29.18
29.73
31.04
29.86
27.07
25.95
25.26
24.46
21.76
22.56
27.09
24.46
26.51
11
19.88
NIM%
7.35
6.15
4.46
5.21
5.25
7.16
8.92
10.86
11.23
12.93
29.13
10.86
7.25
22
16.60
Effic. R.%
33.02
34.04
36.77
37.01
34.03
35.89
37.08
36.73
34.13
33.02
3.57
35.89
35.01
78
5.27
Net margin%
8.73
6.15
4.02
5.50
4.59
5.21
6.12
6.73
7.34
10.16
2.49
6.73
6.13
63
19.74
P/E ratio (avg)x
13.30
13.09
15.12
16.61
16.87
19.18
21.73
24.66
25.43
29.33
32.66
24.66
18.03
8
22.85
P/TBVx
38.51
46.36
54.09
57.46
67.94
81.98
86.62
103.7
117.4
116.8
28.65
103.7
74.96
38
20.52
P/Bx
11.81
12.89
14.94
17.60
16.95
17.18
18.70
21.13
23.75
22.96
23.76
21.13
17.39
85
704.5
NII$M
304.3
332.3
373.1
395.1
440.4
474.8
515.7
565.1
613.0
686.7
45.43
9.29%
9.47%
—
6.39
NII grth%
18.73
16.18
14.69
12.18
10.56
8.13
10.07
7.15
4.64
5.70
5.02
7.15
10.32
86
23.80
ROTE%
20.51
23.17
24.00
24.36
22.94
21.91
20.21
23.09
23.36
23.53
18.27
23.09
23.13
68
3.32
Return on equity%
18.02
19.36
22.03
23.56
23.77
24.86
27.11
27.48
29.10
29.24
29.59
27.48
24.31
94
23.49
Return on assets%
13.95
12.16
14.30
16.58
17.35
14.59
13.04
11.45
12.80
15.44
24.10
13.04
14.12
92
3.27
EPS$
9.96
9.32
9.05
9.73
10.69
10.90
10.99
11.57
11.63
11.16
3.49
0.87%
0.80%
—
17.85
EPS growth%
3.89
1.79
1.00
1.25
1.46
2.53
0.40
0.40
0.40
0.40
13.54
0.40
1.13
71
1.46
Bookvalue per sh$
2.36
2.47
2.84
2.89
3.34
3.17
3.11
2.97
3.16
3.46
2.28
0.68%
5.39%
—
8.06
TBV/sh$
4.52
4.46
3.97
3.67
3.90
4.12
3.82
3.53
3.06
2.71
4.71
(7.02%)
(5.62%)
—
2.82
Dividend per sh$
2.27
2.14
2.41
2.29
2.42
2.52
2.38
2.68
2.69
2.87
4.83
3.50%
1.65%
—
18.24
Div yield (avg)%
0.40
0.40
0.40
0.40
1.83
0.40
0.87
0.90
0.40
0.40
9.61
0.40
0.40
9
13.75
Payout ratio%
3.44
4.86
4.08
6.18
6.13
5.69
7.86
6.51
8.15
9.68
19.78
7.86
6.16
16
78.93
Shares (diluted)M
120.6
140.7
160.7
170.0
204.1
206.9
205.8
243.2
292.8
332.0
79.24
10.22%
11.82%
93
24.62
Buyback yield%
24.86
25.14
27.71
29.48
27.26
26.76
26.28
27.76
25.17
25.96
29.25
26.28
26.52
45
156.78
Eq/Assets%
23.42
27.71
27.64
29.54
33.46
36.66
36.90
36.27
42.40
46.69
148.23
36.90
34.87
23
0.253
Assets$B
1.764
1.843
1.964
2.134
2.336
2.631
2.799
3.103
3.290
3.556
0.564
8.76%
8.26%
68
408.8
LT debt$M
690.8
629.6
678.6
701.8
723.7
648.3
721.2
678.9
677.6
680.9
697.9
(1.21%)
(1.26%)
58
Total assets
$3.556B
8.26%
0.91×
Revenue
$939.4M
9.33%
1.00×
Non-interest expense
$528.2M
9.23%
0.99×
Net interest income
73.10%
Non-interest income
26.90%