1.492
Revenue$B
0.724
0.782
0.835
0.906
0.996
1.083
1.194
1.308
1.437
1.590
1.642
9.81%
8.84%
30
7.05
Revenue growth%
20.42
19.78
18.40
16.18
14.40
13.69
16.33
13.68
12.13
10.14
29.37
13.68
15.29
88
28.63
NIM%
20.01
17.14
17.32
16.16
18.54
19.06
16.38
14.57
13.81
12.17
18.00
14.57
16.76
18
13.38
Effic. R.%
1.64
0.40
2.53
2.95
5.93
7.11
9.35
11.78
9.24
7.21
29.47
9.24
6.52
68
29.87
Net margin%
23.84
24.82
26.30
26.87
27.03
27.25
26.42
29.06
30.63
32.19
17.43
29.06
26.95
57
22.68
P/E ratio (avg)x
27.40
28.42
29.94
34.59
39.44
42.84
48.97
51.24
53.84
61.24
10.17
51.24
41.14
60
20.49
P/TBVx
58.44
64.91
75.24
76.34
86.00
86.36
82.99
87.07
101.5
115.4
33.11
87.07
84.50
32
11.39
P/Bx
15.95
14.99
14.07
15.05
16.11
14.23
12.27
11.65
10.09
9.674
13.55
11.65
14.15
45
0.843
NII$B
0.481
0.517
0.554
0.610
0.656
0.730
0.789
0.867
0.959
1.067
0.288
10.21%
8.84%
—
6.08
NII grth%
9.24
11.36
14.26
16.65
19.49
16.74
17.14
17.30
18.14
16.75
26.93
17.14
16.74
58
8.56
ROTE%
25.43
27.13
29.02
27.03
29.86
31.88
29.62
31.93
29.90
30.66
9.53
30.66
29.74
61
19.84
Return on equity%
23.90
25.79
27.56
30.33
28.07
30.97
29.77
32.36
34.22
36.34
18.99
32.36
30.05
18
23.38
Return on assets%
16.42
15.78
15.78
13.05
13.28
14.75
17.48
15.49
16.59
14.04
7.07
15.49
15.63
22
0.61
EPS$
1.16
0.98
1.06
0.91
0.89
0.76
0.70
0.74
0.66
0.69
0.66
(4.98%)
(4.92%)
—
6.68
EPS growth%
9.38
10.89
13.14
15.46
16.09
16.66
16.18
17.09
15.92
13.08
12.11
16.18
15.69
90
1.54
Bookvalue per sh$
1.08
1.18
1.26
1.20
1.33
1.46
1.32
1.46
1.55
1.40
2.04
1.02%
2.45%
—
1.64
TBV/sh$
0.88
0.92
0.94
1.03
1.00
0.93
1.01
1.12
1.02
1.01
2.11
0.13%
0.18%
—
0.55
Dividend per sh$
2.15
2.46
2.69
3.02
2.92
3.41
3.33
3.70
4.16
4.36
1.51
8.34%
7.24%
—
21.20
Div yield (avg)%
18.18
17.60
18.55
21.14
20.05
19.69
17.79
17.92
15.11
12.57
25.42
17.79
18.05
93
16.79
Payout ratio%
10.32
12.18
14.62
14.53
17.31
15.40
18.33
18.91
20.88
19.94
23.20
18.91
16.36
40
271.3
Shares (diluted)M
407.1
450.2
488.3
539.1
570.6
537.0
501.7
560.1
570.6
571.6
278.1
0.03%
4.89%
39
9.18
Buyback yield%
2.76
4.64
3.88
1.09
0.40
0.40
0.85
0.40
0.40
2.09
25.96
0.40
0.97
32
159.65
Eq/Assets%
178.63
177.43
164.27
170.33
168.40
180.41
191.59
201.80
175.55
160.65
80.36
180.41
176.49
89
0.651
Assets$B
3.573
3.914
4.269
4.569
5.015
5.511
6.042
6.404
6.999
7.630
0.876
8.75%
8.78%
24
428.0
LT debt$M
212.4
205.9
182.1
174.8
181.1
161.2
162.3
143.0
145.9
162.1
336.5
(2.19%)
(2.16%)
92
Total assets
$7.630B
8.78%
0.99×
Revenue
$1.590B
8.84%
1.00×
Non-interest expense
$913.8M
9.06%
1.02×
Net interest income
67.12%
Non-interest income
32.88%