1.178
Revenue$B
0.930
1.012
1.068
1.149
1.221
1.330
1.434
1.529
1.598
1.728
1.218
7.19%
7.16%
24
21.41
Revenue growth%
10.03
12.24
12.02
14.29
14.24
13.99
16.42
13.69
15.60
17.72
26.58
15.60
14.11
66
18.75
NIM%
20.82
21.91
24.04
25.49
26.95
27.04
27.22
26.82
24.13
21.38
29.17
26.82
24.81
13
5.38
Effic. R.%
0.40
0.40
1.07
0.40
0.40
0.40
0.40
0.40
0.40
0.40
9.10
0.40
0.40
18
5.14
Net margin%
26.02
24.67
24.00
25.30
27.03
28.88
28.82
26.66
25.45
23.00
15.31
26.66
25.74
45
9.444
P/E ratio (avg)x
25.77
24.73
27.03
29.80
28.54
28.63
25.51
26.61
28.00
28.26
21.12
28.00
27.51
82
32.20
P/TBVx
12.81
13.99
13.50
13.63
14.22
14.60
16.24
18.09
19.56
21.19
7.920
18.09
14.41
88
11.35
P/Bx
27.76
30.14
26.57
28.38
25.41
22.11
19.62
19.43
16.98
16.44
26.68
19.43
23.76
90
0.850
NII$B
0.658
0.721
0.764
0.808
0.879
0.950
1.017
1.088
1.142
1.229
0.821
6.94%
7.07%
—
18.90
NII grth%
9.82
9.08
11.37
8.67
8.43
8.11
9.85
11.65
11.82
12.49
25.64
11.65
9.84
20
26.97
ROTE%
5.46
4.54
1.88
1.34
0.40
1.48
3.97
5.02
3.25
2.71
6.67
3.25
2.98
24
28.48
Return on equity%
17.16
16.27
16.43
14.37
13.12
15.53
16.28
17.27
17.96
20.79
22.35
17.27
16.36
28
11.91
Return on assets%
23.82
21.15
22.54
24.62
27.29
26.71
26.08
27.52
26.54
25.63
20.38
26.54
25.85
27
3.15
EPS$
5.38
5.33
5.10
4.89
4.84
4.55
4.14
4.03
4.14
3.70
3.27
(5.23%)
(3.65%)
—
23.27
EPS growth%
9.78
6.82
6.76
9.23
7.09
4.83
3.87
5.01
2.92
4.96
28.36
4.83
5.88
56
1.95
Bookvalue per sh$
1.15
1.20
1.07
1.11
1.03
1.07
0.95
1.04
1.16
1.25
1.96
3.96%
0.09%
—
2.15
TBV/sh$
5.93
6.83
7.26
7.06
7.98
9.15
9.47
9.54
8.96
9.15
3.90
2.76%
5.73%
—
3.16
Dividend per sh$
4.77
4.79
5.25
5.15
5.36
6.20
6.76
7.15
7.18
7.17
4.63
6.00%
5.06%
—
29.48
Div yield (avg)%
21.99
24.77
23.60
20.87
23.15
21.44
21.53
22.88
21.72
20.67
23.86
21.53
21.85
22
19.01
Payout ratio%
24.30
26.31
25.37
23.25
23.71
24.66
27.46
24.93
24.85
23.81
26.00
24.85
24.76
73
134.8
Shares (diluted)M
172.4
170.7
184.5
204.8
219.8
242.8
247.5
237.7
247.9
261.8
132.3
3.56%
3.45%
26
14.91
Buyback yield%
19.02
19.47
21.09
18.71
20.49
21.36
19.04
20.65
20.72
22.67
7.18
20.72
20.57
84
178.92
Eq/Assets%
270.71
263.33
299.45
342.96
342.75
355.41
376.58
384.47
413.85
389.88
80.80
384.47
349.18
95
304.6
Assets$M
201.9
216.6
240.6
265.1
286.6
315.6
347.0
369.2
390.5
417.4
756.1
7.81%
8.27%
94
1.481
LT debt$B
0.745
0.810
0.836
0.870
0.880
0.892
0.844
0.969
1.000
1.138
0.614
5.27%
4.90%
37
Total assets
$417.4M
8.27%
1.11×
Revenue
$1.728B
7.16%
1.00×
Non-interest expense
$841.4M
7.05%
0.99×
Net interest income
71.14%
Non-interest income
28.86%
Return on capital
293.14%