1.215
Revenue$B
0.790
0.827
0.891
0.925
0.992
1.055
1.091
1.139
1.179
1.272
1.304
5.10%
5.54%
78
29.76
Revenue growth%
15.58
14.33
17.17
17.25
18.13
15.44
13.90
11.06
11.61
10.96
16.15
11.61
14.89
20
20.77
NIM%
17.61
17.82
14.91
14.32
13.50
13.35
16.05
18.82
18.69
19.29
16.18
18.69
16.83
49
19.80
Effic. R.%
2.26
1.26
1.41
2.36
5.18
2.30
2.56
1.03
0.40
0.40
5.45
1.03
1.83
84
15.31
Net margin%
22.19
20.44
23.28
22.96
23.24
22.87
22.46
23.49
21.29
22.35
7.29
22.46
22.66
58
11.56
P/E ratio (avg)x
27.98
24.33
23.95
23.89
23.31
21.52
21.34
23.18
20.31
19.00
15.45
21.34
23.24
38
33.76
P/TBVx
7.830
8.642
8.819
10.25
9.878
9.545
10.71
10.78
12.20
12.50
21.22
10.78
10.06
48
20.64
P/Bx
41.96
47.94
51.71
58.08
57.45
58.98
66.03
62.90
70.85
77.49
32.23
66.03
58.53
26
1.226
NII$B
0.619
0.649
0.696
0.727
0.786
0.831
0.868
0.903
0.927
1.008
0.718
5.10%
5.49%
—
14.43
NII grth%
13.78
13.46
11.18
9.11
9.44
7.37
5.98
4.42
3.64
1.73
11.06
4.42
8.24
38
26.32
ROTE%
25.10
27.73
26.96
24.67
25.09
25.33
23.27
26.09
23.24
25.39
18.42
25.33
25.21
32
6.02
Return on equity%
16.24
14.71
17.43
18.08
17.04
16.23
16.72
19.30
22.11
23.50
2.76
19.30
17.24
44
20.18
Return on assets%
9.79
9.54
7.73
10.56
11.95
10.58
10.01
11.84
10.32
11.94
4.25
10.58
10.44
30
5.16
EPS$
2.43
2.57
2.43
2.41
2.29
2.43
2.50
2.33
2.50
2.35
5.62
0.52%
(1.86%)
—
20.56
EPS growth%
12.06
11.62
14.16
16.22
18.22
16.25
13.50
15.07
14.03
12.13
23.15
14.03
14.10
35
18.38
Bookvalue per sh$
3.89
4.25
4.88
4.73
5.40
5.47
5.84
5.54
6.35
6.15
7.92
2.63%
3.86%
—
6.75
TBV/sh$
27.53
26.65
30.94
35.55
41.83
48.38
52.83
51.80
60.56
64.61
10.62
9.09%
8.98%
—
10.53
Dividend per sh$
14.66
17.13
16.66
17.15
20.41
21.65
22.12
22.74
22.67
26.91
6.48
5.69%
8.16%
—
25.79
Div yield (avg)%
22.30
20.90
22.22
20.52
21.04
22.62
20.10
22.29
23.59
23.34
27.98
22.62
22.25
95
26.40
Payout ratio%
18.82
18.14
18.27
15.86
16.15
15.74
13.40
15.38
12.65
10.98
29.86
13.40
15.80
40
65.28
Shares (diluted)M
60.16
63.48
62.70
65.11
66.56
65.53
65.14
58.63
50.77
52.49
68.44
(4.64%)
(0.55%)
41
15.01
Buyback yield%
14.45
12.52
14.00
14.42
13.34
11.50
10.29
12.23
12.31
14.84
16.50
12.23
12.93
55
120.61
Eq/Assets%
33.42
34.40
39.50
44.44
52.32
56.04
64.27
75.50
91.46
97.62
92.66
75.50
54.18
62
0.427
Assets$B
0.524
0.565
0.604
0.651
0.704
0.773
0.842
0.901
1.003
1.073
0.305
8.77%
8.55%
35
1.113
LT debt$B
1.130
1.158
1.111
1.175
1.377
1.586
1.593
1.501
1.640
1.664
0.352
3.86%
3.87%
24
Total assets
$1.073B
8.55%
1.32×
Revenue
$1.272B
5.54%
1.00×
Non-interest expense
$574.0M
5.31%
0.98×
Net interest income
79.21%
Non-interest income
20.79%
Return on capital
140.42%
Spread over hurdle
132.92%