1.538
Revenue$B
1.422
1.536
1.658
1.776
1.918
2.054
2.205
2.356
2.515
2.774
1.613
7.66%
7.78%
66
3.93
Revenue growth%
4.91
4.42
2.45
2.19
5.06
6.96
6.97
6.47
8.02
7.68
4.86
6.97
5.77
82
8.80
NIM%
9.07
9.17
9.08
12.01
10.96
12.52
11.13
10.30
10.92
12.04
19.97
11.13
10.94
95
7.00
Effic. R.%
9.22
6.59
5.20
3.08
3.68
2.80
5.37
7.52
6.40
6.17
26.21
6.17
5.77
78
18.66
Net margin%
33.60
33.91
35.83
33.23
33.70
35.93
37.02
39.66
41.77
40.76
22.31
39.66
35.88
51
34.21
P/E ratio (avg)x
24.88
23.34
20.75
19.94
20.58
20.51
19.87
19.63
21.78
24.44
26.15
20.51
20.67
89
15.32
P/TBVx
17.09
20.46
20.94
22.92
27.12
31.80
37.74
40.77
41.21
40.81
11.12
40.77
29.46
74
12.00
P/Bx
11.65
11.27
9.606
10.34
9.712
10.08
8.770
9.369
9.297
8.316
31.72
9.297
9.659
73
0.383
NII$B
1.025
1.109
1.197
1.259
1.395
1.454
1.582
1.692
1.813
1.985
0.988
7.31%
7.76%
—
17.44
NII grth%
13.42
11.95
12.75
15.62
15.86
15.27
17.20
19.55
18.42
16.71
23.52
17.20
15.74
91
8.33
ROTE%
22.83
21.27
19.92
20.05
20.56
19.20
18.39
19.84
17.50
14.88
25.16
18.39
19.88
43
21.26
Return on equity%
0.67
0.40
1.33
1.40
0.40
2.04
3.48
1.91
3.12
4.27
13.51
3.12
1.65
68
20.37
Return on assets%
1.84
2.23
5.07
5.94
8.48
7.29
8.77
11.01
9.57
10.43
11.37
9.57
7.89
50
23.54
EPS$
5.87
6.91
7.29
7.78
8.10
8.77
8.79
10.47
10.47
11.14
24.60
6.59%
7.15%
—
25.71
EPS growth%
16.04
13.65
15.87
15.33
15.68
17.33
17.77
17.24
18.42
19.48
8.62
17.77
16.64
36
17.35
Bookvalue per sh$
11.84
13.12
13.66
12.55
11.18
10.68
11.55
11.17
9.95
9.73
19.74
(2.75%)
(1.34%)
—
4.68
TBV/sh$
25.47
26.91
28.78
32.42
36.26
37.01
38.08
41.35
47.02
47.22
3.45
5.43%
7.84%
—
15.54
Dividend per sh$
6.43
6.25
5.84
5.77
6.19
6.63
6.81
6.76
6.24
6.33
14.36
0.46%
(0.36%)
—
17.85
Div yield (avg)%
20.55
21.75
20.14
18.75
21.33
19.02
16.78
14.39
13.13
11.44
3.92
14.39
18.89
18
17.70
Payout ratio%
2.43
0.40
3.35
4.95
5.87
8.30
6.03
7.86
8.68
11.58
12.05
8.30
5.95
84
75.41
Shares (diluted)M
92.00
90.63
83.73
92.25
89.84
82.70
91.74
87.41
86.90
86.57
77.30
(0.74%)
(0.79%)
88
8.99
Buyback yield%
29.40
27.82
25.81
23.86
25.35
27.99
27.74
25.19
22.34
24.38
27.33
25.19
25.58
64
20.71
Eq/Assets%
83.95
83.08
94.93
91.98
106.13
116.19
130.42
143.59
165.12
175.28
119.31
143.59
111.16
38
1.306
Assets$B
3.699
4.102
4.240
4.481
4.896
5.443
5.926
6.376
6.957
7.800
1.737
9.76%
8.81%
65
1.047
LT debt$B
1.254
1.338
1.343
1.297
1.238
1.194
1.110
1.107
1.237
1.122
2.071
(1.95%)
0.08%
29
Total assets
$7.800B
8.81%
1.10×
Revenue
$2.774B
7.78%
1.00×
Non-interest expense
$1.674B
7.86%
1.01×
Net interest income
71.54%
Non-interest income
28.46%
Spread over hurdle
27.81%