1.634
Revenue$B
1.279
1.309
1.302
1.348
1.367
1.377
1.439
1.468
1.481
1.505
1.748
1.94%
1.72%
46
3.04
Revenue growth%
21.63
23.29
21.50
20.23
17.95
16.87
19.20
16.72
13.78
13.52
6.43
16.72
18.58
24
3.99
NIM%
21.55
23.67
24.94
23.92
22.12
19.26
16.68
17.78
20.00
20.69
5.33
19.26
21.12
26
13.06
Effic. R.%
17.93
16.28
13.98
15.20
17.88
15.24
13.00
11.78
11.96
13.96
28.55
13.00
14.59
70
22.63
Net margin%
26.35
27.08
25.06
24.86
26.85
27.83
30.56
33.04
34.22
36.42
3.67
33.04
27.45
63
8.198
P/E ratio (avg)x
33.78
32.16
31.70
29.44
32.03
29.78
32.94
30.74
35.18
40.59
29.76
32.94
32.10
9
15.80
P/TBVx
28.48
30.68
30.55
28.85
25.39
24.57
25.43
25.90
25.78
24.19
13.05
25.43
25.84
48
20.90
P/Bx
23.04
25.77
29.08
30.07
33.77
33.76
34.84
39.61
42.03
41.48
6.921
39.61
33.76
19
0.919
NII$B
0.727
0.754
0.755
0.768
0.791
0.793
0.821
0.856
0.848
0.852
1.752
1.49%
1.49%
—
23.47
NII grth%
19.85
19.94
20.03
22.57
22.19
19.52
21.90
19.80
17.56
16.77
19.41
19.52
19.90
30
11.92
ROTE%
2.20
4.78
6.89
8.48
6.36
6.17
6.44
7.82
8.24
5.26
29.16
6.44
6.40
23
25.44
Return on equity%
18.76
21.17
18.67
17.67
18.96
19.02
19.45
18.99
16.99
18.78
20.53
18.99
18.87
91
24.65
Return on assets%
25.73
28.31
25.97
27.96
27.74
29.95
27.82
26.83
24.70
22.07
8.39
26.83
27.28
55
15.82
EPS$
23.78
25.72
27.72
29.73
28.34
30.54
31.10
33.83
35.50
38.37
16.86
6.25%
5.08%
—
2.25
EPS growth%
10.09
9.98
7.07
8.10
11.10
12.82
14.41
16.55
13.75
14.29
21.25
14.29
11.96
7
29.10
Bookvalue per sh$
34.32
38.60
39.94
40.48
43.11
46.75
48.75
49.13
45.99
51.30
30.53
3.54%
4.46%
—
18.52
TBV/sh$
11.77
12.06
13.13
11.91
12.42
13.44
14.23
15.46
14.33
15.14
29.49
4.05%
1.67%
—
14.87
Dividend per sh$
5.12
5.17
4.93
4.60
4.98
4.87
4.47
4.58
4.92
4.57
29.60
(1.70%)
(0.85%)
—
19.95
Div yield (avg)%
23.98
25.19
24.61
25.00
27.38
24.75
26.33
25.82
24.63
27.30
26.94
25.82
25.09
28
25.41
Payout ratio%
14.53
16.80
14.05
15.35
15.90
16.80
14.18
15.64
15.51
13.33
6.00
15.51
15.43
31
66.76
Shares (diluted)M
89.81
92.16
109.6
109.4
109.3
124.3
129.7
146.8
172.7
183.1
68.67
10.87%
7.23%
72
6.81
Buyback yield%
20.25
17.36
19.33
22.21
20.50
22.77
20.66
23.40
23.70
22.63
24.12
22.77
21.43
67
75.47
Eq/Assets%
144.49
159.98
157.09
158.36
171.08
167.81
160.37
176.15
165.15
172.59
56.77
167.81
162.76
28
1.442
Assets$B
1.535
1.680
1.791
1.947
2.109
2.255
2.519
2.693
2.955
3.264
1.362
9.12%
8.62%
8
0.286
LT debt$B
1.985
2.021
2.090
2.241
2.445
2.620
3.140
3.180
3.574
3.897
0.872
9.77%
8.15%
16
Total assets
$3.264B
8.62%
1.93×
Revenue
$1.505B
1.72%
1.00×
Non-interest expense
$888.3M
1.68%
1.00×
Net interest income
56.60%
Non-interest income
43.40%
Spread over hurdle
45.55%