0.243
Revenue$B
1.001
1.007
1.006
1.027
1.008
0.998
1.021
1.039
1.041
1.026
0.252
0.35%
0.42%
87
20.71
Revenue growth%
19.56
16.76
15.50
18.27
17.47
20.11
18.51
16.36
14.11
16.68
4.74
16.68
17.12
54
28.63
NIM%
7.25
9.22
9.35
6.85
9.55
12.55
10.17
11.46
10.50
11.91
11.92
11.46
9.86
75
3.73
Effic. R.%
5.80
4.51
2.39
0.40
1.03
0.47
0.40
0.40
0.40
2.21
12.58
0.40
0.75
84
5.79
Net margin%
0.40
2.29
3.15
0.49
1.29
0.40
0.40
2.65
3.29
2.47
28.00
2.47
1.79
84
18.23
P/E ratio (avg)x
6.719
6.262
6.391
5.672
5.025
4.819
4.323
4.713
4.165
3.959
19.40
4.323
4.922
95
10.85
P/TBVx
30.64
30.40
32.32
34.68
34.69
33.02
35.14
35.78
34.23
32.70
18.41
34.23
33.62
17
36.65
P/Bx
20.39
20.41
21.07
20.70
20.17
18.56
16.45
16.19
16.57
16.73
31.43
16.57
19.37
40
533.7
NII$M
600.1
603.9
605.6
612.5
606.6
595.7
618.4
610.2
630.1
603.9
768.6
(0.09%)
0.14%
—
19.05
NII grth%
27.16
30.04
30.34
28.03
26.01
27.61
30.23
28.75
30.53
32.21
10.29
30.23
29.39
86
4.94
ROTE%
27.85
27.97
26.36
28.48
27.43
28.37
29.59
30.94
29.11
28.52
17.11
29.11
28.42
90
22.04
Return on equity%
21.71
22.38
21.26
23.81
22.19
22.24
21.95
24.95
22.00
20.93
17.28
22.00
22.09
18
28.76
Return on assets%
8.22
7.81
10.36
10.71
9.89
10.30
9.31
9.95
9.64
9.52
15.59
9.64
9.76
67
2.51
EPS$
1.38
1.54
1.60
1.43
1.36
1.42
1.53
1.48
1.50
1.54
2.65
2.49%
1.44%
—
20.41
EPS growth%
10.50
12.14
10.04
10.09
8.50
10.66
9.23
8.40
6.77
8.37
28.09
8.40
9.63
89
2.40
Bookvalue per sh$
0.84
0.79
0.69
0.69
0.60
0.54
0.48
0.49
0.47
0.40
2.01
(7.79%)
(7.73%)
—
1.92
TBV/sh$
1.55
1.65
1.52
1.53
1.48
1.35
1.19
1.32
1.16
1.11
1.18
(5.61%)
(3.38%)
—
1.35
Dividend per sh$
2.34
2.47
2.35
2.74
3.17
3.33
3.44
3.24
3.36
3.29
1.07
0.73%
3.52%
—
17.21
Div yield (avg)%
18.97
16.43
14.65
12.95
14.82
14.09
16.66
15.63
15.98
17.71
22.33
15.98
15.81
53
20.43
Payout ratio%
23.57
21.65
23.74
25.55
27.12
24.45
25.82
25.33
28.01
27.48
26.77
25.82
25.44
77
230.8
Shares (diluted)M
256.0
236.6
266.7
296.2
315.5
352.9
337.9
342.3
353.6
329.0
226.9
0.84%
1.95%
31
11.84
Buyback yield%
5.56
6.42
6.29
5.26
2.75
5.47
4.53
2.63
1.70
1.64
17.74
2.63
4.90
45
158.35
Eq/Assets%
132.47
137.71
130.44
135.90
148.03
140.69
148.50
150.58
176.34
189.05
37.72
150.58
144.36
82
0.158
Assets$B
1.820
1.937
2.098
2.362
2.445
2.573
2.935
3.158
3.366
3.618
0.134
8.15%
8.19%
56
714.7
LT debt$M
401.6
378.6
346.4
353.4
329.3
312.2
286.5
315.3
319.7
301.9
372.9
(1.72%)
(3.61%)
20
Total assets
$3.618B
8.19%
2.11×
Revenue
$1.026B
0.42%
1.00×
Non-interest expense
$492.8M
0.06%
0.96×
Net interest income
58.85%
Non-interest income
41.15%
Spread over hurdle
36.09%