212.7
Revenue$M
179.9
193.1
206.8
217.7
230.7
248.9
264.0
282.1
296.6
314.8
227.9
6.42%
6.43%
25
2.94
Revenue growth%
33.13
35.06
33.06
33.20
35.16
34.73
34.60
32.98
31.46
29.77
2.37
32.98
33.17
49
2.29
NIM%
17.57
15.80
14.47
16.04
18.38
21.04
21.29
21.46
20.62
22.25
28.79
21.29
19.50
31
29.91
Effic. R.%
6.19
7.97
9.74
7.92
10.04
8.62
8.53
9.32
7.69
6.27
17.14
8.53
8.25
52
9.37
Net margin%
22.86
20.19
22.22
22.96
23.87
22.07
19.90
19.65
17.06
19.39
22.15
19.65
21.13
40
15.33
P/E ratio (avg)x
32.17
33.23
36.24
41.27
46.48
47.36
50.42
46.98
43.31
46.20
29.08
46.98
44.76
43
22.95
P/TBVx
38.27
43.30
50.52
50.19
49.88
52.68
56.43
63.02
66.18
68.79
8.774
63.02
51.60
78
13.16
P/Bx
23.15
24.01
23.96
23.28
26.33
27.11
29.74
28.32
31.67
30.96
20.15
29.74
26.72
17
29.03
NII$M
138.4
148.6
158.3
166.6
175.7
188.4
201.1
216.6
228.0
238.6
95.61
6.30%
6.42%
—
12.98
NII grth%
4.91
5.26
6.72
7.25
6.32
8.28
7.11
8.33
10.59
11.01
21.86
8.33
7.18
92
20.01
ROTE%
27.44
25.28
22.57
21.26
21.55
21.31
19.54
19.45
16.60
19.52
9.31
19.52
21.28
39
18.41
Return on equity%
33.31
31.29
29.12
29.62
26.93
27.97
29.34
28.04
30.96
28.20
12.48
28.20
29.23
16
15.76
Return on assets%
23.94
22.67
22.02
19.06
17.21
17.27
17.08
17.77
19.49
18.75
20.35
17.77
18.91
37
10.04
EPS$
5.66
5.31
5.32
5.34
5.29
6.13
7.18
7.39
8.12
9.35
10.93
12.06%
6.29%
—
7.35
EPS growth%
15.53
17.24
16.71
18.16
19.84
17.31
16.37
13.90
12.42
13.53
11.08
13.90
16.54
81
6.52
Bookvalue per sh$
10.05
9.44
9.58
9.74
9.49
8.88
9.69
10.25
9.85
10.63
4.23
2.29%
1.85%
—
10.02
TBV/sh$
2.27
2.38
2.68
2.49
2.38
2.68
2.93
3.02
3.34
3.32
5.57
6.85%
5.12%
—
7.60
Dividend per sh$
12.25
12.29
13.42
15.68
16.58
17.96
18.86
19.78
20.98
21.43
10.37
5.27%
6.98%
—
5.82
Div yield (avg)%
28.23
27.16
29.28
29.25
31.89
31.98
31.07
31.33
34.00
32.82
7.80
31.98
31.20
21
14.84
Payout ratio%
10.34
9.86
11.67
11.13
9.89
8.67
10.33
8.47
5.89
4.31
27.85
8.47
9.87
39
25.20
Shares (diluted)M
30.46
30.15
31.64
34.52
38.32
42.32
42.74
46.24
53.69
59.19
25.29
9.08%
7.87%
18
3.80
Buyback yield%
28.52
27.96
27.99
26.50
23.53
22.31
21.30
22.87
20.51
22.47
13.18
22.31
23.20
57
140.83
Eq/Assets%
123.39
119.82
140.94
164.12
163.60
181.02
195.74
224.09
262.71
263.25
157.41
224.09
172.57
20
39.27
Assets$M
447.9
477.7
535.8
565.3
631.6
678.2
741.7
824.7
853.6
911.6
167.8
7.61%
7.83%
46
36.34
LT debt$M
104.5
118.5
142.9
151.5
157.2
181.1
202.9
246.2
259.4
287.3
72.11
12.82%
11.24%
13
Total assets
$911.6M
7.83%
1.14×
Revenue
$314.8M
6.43%
1.00×
Non-interest expense
$144.6M
6.74%
1.03×
Net interest income
75.79%
Non-interest income
24.21%