1.617
Revenue$B
1.615
1.711
1.759
1.863
1.891
1.973
2.068
2.124
2.174
2.222
1.802
3.28%
3.82%
74
2.36
Revenue growth%
27.65
25.32
22.50
24.72
27.49
27.80
29.28
30.79
28.33
29.81
22.34
29.28
27.73
51
19.92
NIM%
18.23
18.93
21.63
20.02
17.61
16.54
17.63
19.78
21.87
24.62
18.98
19.78
19.36
93
14.28
Effic. R.%
12.08
13.13
11.35
11.57
10.17
9.22
10.48
10.90
10.90
13.69
18.76
10.90
11.13
20
26.58
Net margin%
24.97
22.05
23.30
21.48
23.98
25.47
24.02
26.48
27.25
27.32
18.90
26.48
24.50
48
32.48
P/E ratio (avg)x
49.38
53.93
56.31
54.68
59.96
69.26
82.33
88.43
91.80
103.2
27.61
88.43
64.61
11
23.23
P/TBVx
29.05
24.48
23.60
21.44
21.10
22.47
22.06
21.22
19.30
18.62
30.07
21.22
21.75
7
17.24
P/Bx
45.24
49.94
52.33
51.53
50.53
55.84
52.27
51.52
52.35
52.86
10.68
52.35
51.90
42
0.560
NII$B
1.007
1.065
1.098
1.171
1.175
1.229
1.288
1.332
1.339
1.383
1.055
3.32%
3.95%
—
16.85
NII grth%
13.27
10.45
12.90
9.91
10.57
10.95
11.17
13.14
11.20
8.56
4.79
11.17
11.06
74
22.39
ROTE%
5.19
3.71
1.93
3.53
3.19
3.15
1.63
0.40
1.67
1.52
8.58
1.63
2.54
86
22.22
Return on equity%
2.23
0.79
0.40
2.92
4.71
4.45
1.64
4.39
6.00
4.03
9.25
4.39
3.48
49
7.81
Return on assets%
27.66
30.12
31.37
30.23
28.29
25.56
26.74
25.22
22.62
23.10
21.78
25.22
27.20
5
7.74
EPS$
10.66
9.32
9.94
9.19
10.10
10.97
10.09
9.27
9.35
9.61
8.66
(1.00%)
(0.57%)
—
8.68
EPS growth%
22.34
22.37
20.47
21.53
19.66
17.47
15.25
13.91
16.27
13.84
21.84
15.25
18.57
22
9.42
Bookvalue per sh$
16.11
17.58
17.25
19.65
21.30
20.80
23.78
22.42
24.23
27.46
12.63
5.21%
5.52%
—
12.04
TBV/sh$
15.93
14.67
16.05
15.90
16.28
15.74
16.97
18.62
18.94
20.38
11.25
4.59%
3.38%
—
3.41
Dividend per sh$
7.24
7.06
7.91
8.30
9.55
9.02
9.76
10.47
11.67
12.56
4.16
5.62%
6.59%
—
8.97
Div yield (avg)%
11.57
8.68
7.87
8.82
6.91
4.01
1.06
2.91
0.40
0.40
13.77
1.06
5.46
82
8.78
Payout ratio%
36.25
37.97
37.33
37.12
39.31
37.85
36.59
33.93
32.90
35.54
20.98
35.54
36.86
32
148.4
Shares (diluted)M
157.2
170.6
196.4
195.0
186.4
207.1
235.9
238.6
224.0
256.4
140.9
6.58%
4.50%
59
25.40
Buyback yield%
2.45
4.00
5.84
8.08
10.49
10.99
8.16
6.50
7.95
8.25
24.88
8.16
8.01
8
58.12
Eq/Assets%
82.32
80.21
75.60
79.67
82.08
83.07
82.11
78.99
74.68
72.46
97.19
78.99
79.94
78
0.954
Assets$B
4.713
4.968
5.279
5.829
6.337
6.780
7.324
8.052
8.755
9.331
1.256
8.05%
8.23%
58
0.114
LT debt$B
0.507
0.515
0.610
0.595
0.687
0.667
0.665
0.738
0.759
0.826
1.580
3.76%
5.21%
6
Total assets
$9.331B
8.23%
1.52×
Revenue
$2.222B
3.82%
1.00×
Non-interest expense
$1.374B
4.06%
1.02×
Net interest income
62.27%
Non-interest income
37.73%
Spread over hurdle
12.94%