323.9
Revenue$M
326.2
339.8
352.0
355.5
358.6
374.8
389.8
398.1
397.1
402.2
359.7
2.32%
2.22%
64
18.94
Revenue growth%
34.49
34.80
35.44
37.83
40.47
38.38
38.23
36.76
35.32
36.59
21.28
36.76
36.68
89
9.68
NIM%
0.40
1.23
2.62
4.05
2.42
4.94
4.40
2.67
2.30
2.27
8.98
2.67
2.52
76
18.41
Effic. R.%
9.72
7.38
8.61
8.55
10.69
13.56
14.86
15.79
12.87
13.99
24.48
13.99
11.78
37
29.50
Net margin%
19.25
21.65
21.20
21.13
19.88
17.11
16.08
15.10
15.78
13.75
5.89
15.78
18.18
56
26.85
P/E ratio (avg)x
9.533
9.205
10.18
9.122
9.004
8.359
7.521
7.419
7.909
7.097
7.349
7.521
8.681
87
20.30
P/TBVx
5.839
6.702
7.833
8.261
8.091
8.683
8.361
9.223
8.643
9.368
37.57
8.683
8.311
11
35.32
P/Bx
37.61
41.35
49.06
51.27
58.51
66.21
72.08
85.25
101.5
103.4
27.86
85.25
62.36
43
49.69
NII$M
261.6
270.6
282.5
286.1
285.1
300.8
311.3
314.7
317.6
321.8
258.3
2.45%
2.34%
—
6.16
NII grth%
18.36
19.64
17.61
17.07
18.46
20.09
17.99
18.09
15.95
18.87
2.17
18.09
18.23
84
29.47
ROTE%
15.93
17.90
16.60
15.69
13.87
15.41
17.61
16.31
17.45
20.18
20.11
17.45
16.45
67
4.74
Return on equity%
17.77
20.50
21.35
23.52
21.28
24.22
26.31
28.28
29.66
29.72
21.45
28.28
23.87
54
8.44
Return on assets%
18.07
20.62
20.36
19.42
17.05
19.67
19.04
21.37
20.22
18.97
8.74
19.67
19.55
32
3.15
EPS$
3.70
4.18
4.50
4.42
4.92
5.31
5.99
5.96
7.06
8.42
3.28
11.33%
9.37%
—
26.04
EPS growth%
8.55
9.65
11.43
9.52
7.12
8.58
6.05
5.44
2.45
0.46
3.51
5.44
7.83
23
9.84
Bookvalue per sh$
4.49
4.30
4.66
4.50
4.26
3.84
4.21
4.33
3.93
3.75
4.46
(2.51%)
(2.70%)
—
3.67
TBV/sh$
4.39
4.62
4.55
4.66
4.92
5.41
5.53
6.55
6.97
7.59
7.43
9.06%
5.49%
—
2.99
Dividend per sh$
2.93
3.38
3.38
3.71
4.33
4.47
5.29
5.20
6.12
7.20
9.44
10.69%
10.14%
—
14.39
Div yield (avg)%
0.40
0.96
0.40
3.00
5.22
4.60
2.48
2.52
3.32
2.79
5.61
2.79
2.66
21
13.94
Payout ratio%
28.66
30.89
33.36
31.21
28.37
29.68
27.09
27.92
26.00
23.49
12.03
27.09
28.51
40
24.20
Shares (diluted)M
15.10
14.22
14.73
14.76
13.26
12.94
12.99
11.61
11.80
12.51
24.62
(1.15%)
(2.78%)
46
5.13
Buyback yield%
17.83
17.61
16.23
15.17
14.91
13.83
16.36
15.35
14.69
14.14
5.29
14.69
15.26
35
163.66
Eq/Assets%
16.40
16.21
17.55
15.57
16.35
16.86
14.52
14.78
15.08
13.14
15.78
14.78
15.89
14
0.315
Assets$B
1.288
1.381
1.488
1.614
1.671
1.849
2.017
2.207
2.472
2.679
0.170
9.90%
8.46%
12
114.2
LT debt$M
140.3
138.0
155.4
173.8
200.7
200.0
205.7
224.9
209.6
236.6
115.0
3.34%
4.68%
25
Total assets
$2.679B
8.46%
1.81×
Revenue
$402.2M
2.22%
1.00×
Non-interest expense
$230.5M
2.17%
1.00×
Net interest income
80.01%
Non-interest income
19.99%