540.8
Revenue$M
534.3
538.5
540.3
542.8
557.7
581.3
578.2
589.0
604.7
627.9
601.7
2.40%
1.58%
84
3.89
Revenue growth%
16.31
19.18
16.26
17.17
19.69
17.97
20.29
19.17
21.53
19.20
8.12
19.20
19.17
69
17.34
NIM%
3.21
5.74
6.48
5.53
6.61
5.72
4.58
2.55
0.50
0.72
25.00
2.55
5.06
68
23.60
Effic. R.%
26.92
27.80
29.23
26.49
25.82
24.42
23.02
23.73
23.18
20.33
17.02
23.18
25.12
40
9.59
Net margin%
15.42
15.31
15.83
18.08
18.19
18.78
20.05
19.14
17.65
15.51
10.24
18.78
17.87
32
25.02
P/E ratio (avg)x
20.64
24.01
25.79
26.28
25.63
29.07
33.03
38.39
39.32
41.30
6.346
38.39
27.67
28
24.04
P/TBVx
11.20
9.858
10.59
9.319
9.395
9.586
10.52
11.59
12.78
12.07
16.28
11.59
10.56
37
19.28
P/Bx
19.85
22.18
23.43
24.27
25.87
27.01
27.78
30.64
29.39
30.87
17.35
29.39
26.44
20
608.7
NII$M
392.2
395.1
397.7
395.5
402.5
418.4
421.4
427.9
438.4
455.5
303.9
2.50%
1.61%
—
20.33
NII grth%
14.08
16.72
16.97
19.63
16.84
18.93
21.09
23.57
22.82
25.50
15.29
22.82
19.28
81
17.98
ROTE%
0.88
2.98
2.44
0.41
0.40
0.40
3.04
1.62
3.43
0.49
16.54
1.62
1.25
43
20.08
Return on equity%
22.31
22.54
24.43
24.28
25.37
27.86
29.99
30.07
27.35
29.09
17.83
29.09
26.36
65
12.35
Return on assets%
13.19
14.41
16.66
17.06
18.21
19.55
21.56
23.63
24.17
23.48
7.62
23.48
18.88
92
1.57
EPS$
1.25
1.35
1.22
1.15
1.19
1.06
0.96
0.98
0.89
0.81
1.71
(7.38%)
(4.59%)
—
19.61
EPS growth%
0.40
0.40
0.40
0.40
2.07
0.61
3.57
2.63
4.23
2.61
11.52
2.63
1.34
59
0.98
Bookvalue per sh$
5.19
5.75
6.52
7.04
7.61
8.17
8.71
10.44
10.22
10.33
3.81
6.31%
7.86%
—
3.50
TBV/sh$
4.20
4.33
4.99
4.96
5.39
6.04
6.71
7.57
8.65
8.42
1.52
9.35%
6.88%
—
2.65
Dividend per sh$
2.19
2.55
2.93
3.23
3.22
3.50
3.90
3.94
3.97
4.15
1.94
5.17%
7.84%
—
20.85
Div yield (avg)%
5.86
6.34
3.84
1.46
2.22
3.24
2.59
4.02
2.34
3.43
11.94
3.24
3.34
23
21.83
Payout ratio%
9.90
11.53
11.94
12.60
10.00
8.34
7.88
7.89
10.63
9.89
9.44
8.34
9.95
26
92.84
Shares (diluted)M
144.4
152.8
148.3
172.1
189.9
193.5
187.4
203.5
211.5
244.9
90.64
5.22%
6.98%
33
4.36
Buyback yield%
15.79
17.95
20.82
22.33
21.31
22.72
25.23
23.24
20.62
19.42
18.00
22.72
21.07
73
112.79
Eq/Assets%
66.40
69.78
77.30
78.85
73.55
82.91
88.41
96.24
106.57
114.97
29.84
96.24
80.88
35
0.700
Assets$B
1.469
1.605
1.778
1.887
2.070
2.236
2.377
2.711
2.943
3.201
0.629
9.11%
8.88%
37
154.8
LT debt$M
41.40
39.08
36.94
37.15
32.27
35.11
33.95
34.79
31.61
27.65
288.3
(3.04%)
(4.36%)
85
Total assets
$3.201B
8.88%
2.00×
Revenue
$627.9M
1.58%
1.00×
Non-interest expense
$285.9M
1.66%
1.01×
Net interest income
72.55%
Non-interest income
27.45%