1.339
Revenue$B
0.901
0.974
1.069
1.158
1.278
1.391
1.495
1.601
1.753
1.895
1.494
8.19%
8.73%
94
21.25
Revenue growth%
2.81
2.26
2.79
3.72
1.20
0.40
0.40
0.40
2.35
5.23
29.31
0.40
2.31
54
27.08
NIM%
15.90
18.79
19.04
18.72
16.34
17.78
17.81
15.57
13.92
16.71
19.35
16.71
17.25
78
26.07
Effic. R.%
6.41
3.42
1.27
0.68
0.40
0.40
1.61
0.40
2.54
3.88
23.32
1.61
1.44
8
22.51
Net margin%
26.27
27.90
27.51
24.75
27.41
29.17
29.40
31.57
33.84
32.39
24.83
31.57
28.53
77
23.72
P/E ratio (avg)x
11.57
11.16
11.97
12.46
11.03
11.97
12.91
11.50
11.62
11.25
6.875
11.62
11.60
77
30.11
P/TBVx
40.36
46.40
46.72
47.73
45.14
46.50
44.20
49.30
53.37
54.66
8.691
49.30
46.61
14
9.825
P/Bx
40.66
37.99
37.72
35.05
36.33
36.04
34.91
39.15
41.94
47.45
16.26
39.15
37.86
53
1.752
NII$B
0.526
0.576
0.639
0.678
0.757
0.820
0.877
0.933
1.043
1.102
0.881
7.80%
8.49%
—
10.00
NII grth%
21.95
22.45
22.70
20.71
20.69
23.23
23.53
24.31
26.92
27.41
11.38
24.31
22.97
93
29.40
ROTE%
27.53
28.41
28.32
26.22
26.28
27.56
26.14
25.94
26.49
25.91
9.32
26.14
26.38
65
26.95
Return on equity%
13.81
15.11
16.29
13.96
15.71
14.97
13.82
13.49
12.46
10.96
12.51
13.49
13.89
39
3.34
Return on assets%
14.94
14.76
14.46
15.93
14.26
14.37
15.13
13.45
10.74
13.37
28.42
13.45
14.42
78
0.85
EPS$
0.25
0.24
0.25
0.23
0.21
0.22
0.23
0.22
0.24
0.24
0.94
2.19%
(0.74%)
—
13.64
EPS growth%
18.97
18.57
20.12
22.98
24.04
22.46
24.93
23.71
23.79
20.92
8.97
23.71
22.72
36
0.76
Bookvalue per sh$
0.17
0.15
0.17
0.16
0.17
0.16
0.16
0.16
0.17
0.15
0.58
(2.52%)
(0.96%)
—
1.17
TBV/sh$
0.64
0.61
0.65
0.65
0.62
0.70
0.75
0.79
0.80
0.88
0.66
7.27%
3.09%
—
0.34
Dividend per sh$
1.47
1.60
1.50
1.59
1.56
1.77
2.03
2.08
2.34
2.25
0.34
7.59%
4.18%
—
12.64
Div yield (avg)%
6.86
6.11
3.90
1.94
0.40
0.40
0.40
1.18
2.08
2.86
2.67
1.18
2.01
41
25.74
Payout ratio%
16.20
14.14
13.64
14.96
15.64
17.29
19.82
17.60
17.27
16.98
16.00
17.29
16.59
29
0.534
Shares (diluted)B
1.009
0.992
0.967
1.069
1.228
1.441
1.651
1.666
1.921
2.241
0.558
12.78%
9.73%
62
4.59
Buyback yield%
13.85
13.63
15.22
14.71
12.40
12.56
13.11
11.73
13.46
11.34
28.34
12.56
13.28
78
167.58
Eq/Assets%
180.44
183.11
185.24
180.68
193.05
221.00
212.48
201.99
223.96
220.46
115.47
220.46
197.52
70
1.364
Assets$B
5.103
5.647
6.123
6.844
7.543
8.282
9.111
9.409
10.52
11.32
0.727
8.46%
9.61%
54
0.351
LT debt$B
1.206
1.402
1.411
1.381
1.581
1.904
2.183
2.540
2.802
2.917
0.883
13.03%
10.68%
93
Total assets
$11.32B
9.61%
1.08×
Revenue
$1.895B
8.73%
1.00×
Non-interest expense
$870.4M
8.64%
0.99×
Net interest income
58.15%
Non-interest income
41.85%