0.462
Revenue$B
2.276
2.384
2.447
2.526
2.571
2.718
2.775
2.829
2.955
3.031
0.495
3.34%
3.50%
68
3.05
Revenue growth%
21.39
22.02
20.26
17.32
19.60
19.73
17.15
14.91
17.31
16.91
17.56
17.15
18.46
89
4.90
NIM%
27.73
26.16
28.03
30.22
30.03
32.65
31.05
33.00
35.66
37.38
24.25
33.00
30.64
63
16.14
Effic. R.%
23.75
20.90
20.93
21.84
22.22
24.64
24.02
26.47
29.30
30.24
27.71
26.47
23.88
70
28.21
Net margin%
16.22
13.82
14.11
13.94
14.20
16.50
19.07
17.45
19.38
21.96
24.18
19.07
16.36
61
33.68
P/E ratio (avg)x
14.69
17.22
17.63
17.70
20.16
21.82
20.90
20.75
22.72
25.31
11.27
21.82
20.45
40
25.00
P/TBVx
24.45
26.02
25.76
25.24
24.94
24.27
22.69
23.28
24.81
26.60
18.15
24.27
24.88
27
17.00
P/Bx
37.95
37.01
39.48
41.14
41.47
45.02
41.32
40.61
43.81
41.45
28.94
41.45
41.23
26
2.391
NII$B
1.272
1.324
1.347
1.418
1.441
1.525
1.531
1.599
1.645
1.707
0.626
3.44%
3.65%
—
12.36
NII grth%
12.04
11.35
10.76
11.49
13.07
12.25
11.57
9.33
12.15
13.43
28.88
12.15
11.80
67
17.25
ROTE%
11.83
13.49
13.92
15.38
17.15
15.38
15.12
15.85
14.38
12.27
2.14
15.12
14.75
27
10.00
Return on equity%
8.03
7.11
4.68
6.58
5.64
5.33
4.40
5.74
6.66
5.12
24.63
5.33
5.69
80
27.14
Return on assets%
25.91
26.99
25.51
24.69
24.86
26.48
23.49
25.78
26.13
25.65
19.74
25.78
25.71
51
0.99
EPS$
0.63
0.71
0.69
0.65
0.68
0.74
0.72
0.82
0.91
0.86
1.11
4.92%
3.23%
—
3.89
EPS growth%
14.75
15.82
15.97
13.93
11.01
9.45
10.59
9.59
10.41
8.31
10.48
9.59
10.80
62
1.70
Bookvalue per sh$
2.03
2.01
1.75
1.89
2.05
2.03
1.91
1.84
1.75
1.88
1.54
(1.73%)
(0.45%)
—
2.58
TBV/sh$
0.89
0.86
0.95
1.12
1.18
1.36
1.59
1.74
2.05
1.96
1.29
10.69%
7.94%
—
2.46
Dividend per sh$
0.86
0.92
0.83
0.85
0.74
0.71
0.71
0.64
0.67
0.68
0.57
(1.63%)
(3.43%)
—
3.15
Div yield (avg)%
17.84
17.60
18.44
16.96
14.31
13.18
10.94
11.19
9.40
9.63
21.93
10.94
13.75
79
29.23
Payout ratio%
13.57
12.36
13.27
13.29
11.37
13.04
12.02
10.16
8.77
7.32
9.49
10.16
12.19
47
0.373
Shares (diluted)B
0.589
0.633
0.727
0.837
0.969
1.151
1.200
1.386
1.343
1.339
0.369
6.68%
8.87%
15
28.65
Buyback yield%
10.68
12.99
14.73
14.89
15.92
14.45
15.54
17.86
17.68
20.49
25.77
17.68
15.21
80
168.88
Eq/Assets%
137.24
130.69
145.25
155.37
149.33
161.11
159.03
155.52
154.73
161.24
179.79
159.03
155.05
22
0.984
Assets$B
5.445
5.623
6.126
6.919
7.341
7.842
8.357
9.209
10.04
10.71
0.985
7.84%
7.48%
59
0.668
LT debt$B
0.136
0.144
0.165
0.165
0.166
0.187
0.180
0.181
0.171
0.174
1.368
0.94%
2.25%
92
Total assets
$10.71B
7.48%
1.46×
Revenue
$3.031B
3.50%
1.00×
Non-interest expense
$1.638B
3.55%
1.01×
Net interest income
56.31%
Non-interest income
43.69%