0.693
Revenue$B
1.660
1.708
1.768
1.866
1.935
2.028
2.076
2.135
2.174
2.261
0.775
3.17%
3.57%
80
15.88
Revenue growth%
12.56
11.82
13.53
10.72
9.88
11.12
8.28
9.85
11.87
9.33
5.85
9.85
10.92
77
11.64
NIM%
26.56
24.22
21.60
24.27
27.22
25.75
25.92
28.77
26.77
29.33
19.56
26.77
26.24
25
9.22
Effic. R.%
19.10
19.35
20.84
21.90
21.90
20.62
22.17
23.86
24.15
25.50
20.01
23.86
21.90
73
26.50
Net margin%
29.55
31.45
29.01
28.08
27.86
29.20
27.13
29.56
32.51
34.22
17.91
29.56
29.38
63
10.26
P/E ratio (avg)x
37.78
44.53
51.06
50.84
52.27
52.62
52.74
56.88
55.81
63.91
10.25
55.81
52.45
68
15.45
P/TBVx
10.33
9.794
9.864
10.95
12.34
12.61
11.75
13.02
14.54
16.80
9.854
13.02
12.05
41
37.67
P/Bx
8.782
8.566
8.941
8.620
9.610
10.08
11.24
11.86
13.39
14.65
19.38
11.86
9.843
87
1.635
NII$B
1.274
1.312
1.377
1.431
1.492
1.578
1.594
1.673
1.698
1.772
1.370
3.50%
3.57%
—
7.05
NII grth%
29.92
32.30
33.95
32.95
33.74
31.06
28.94
28.70
27.54
29.89
18.77
28.94
30.49
69
26.99
ROTE%
25.28
25.22
22.71
25.16
26.32
26.04
26.12
26.08
25.21
27.99
25.10
26.08
25.66
70
19.55
Return on equity%
0.91
0.86
2.58
5.47
3.40
1.92
3.68
1.05
2.51
2.96
8.72
2.51
2.55
26
2.86
Return on assets%
7.70
6.48
8.01
6.61
7.47
7.92
7.45
7.65
7.63
9.44
2.10
7.65
7.64
30
3.24
EPS$
1.39
1.43
1.46
1.58
1.61
1.46
1.39
1.23
1.31
1.42
3.49
(2.52%)
0.63%
—
6.15
EPS growth%
18.86
15.93
13.37
12.13
12.32
12.94
14.36
16.20
14.94
13.72
15.67
14.36
14.04
20
1.67
Bookvalue per sh$
3.63
3.48
2.96
2.68
2.75
2.96
3.10
2.76
2.77
2.40
3.95
(2.65%)
(4.16%)
—
2.22
TBV/sh$
3.16
2.92
3.11
3.50
3.68
3.84
4.19
4.21
4.67
4.81
4.36
5.50%
4.62%
—
1.21
Dividend per sh$
3.22
3.03
3.06
2.72
2.42
2.52
2.61
2.59
2.36
2.09
4.61
(2.91%)
(4.06%)
—
29.27
Div yield (avg)%
24.21
25.55
22.79
22.46
23.63
23.84
21.16
19.19
22.08
19.57
26.75
21.16
22.62
10
22.02
Payout ratio%
11.97
13.85
16.74
19.68
21.52
20.34
22.63
21.60
22.71
19.99
13.90
21.60
20.17
36
188.2
Shares (diluted)M
252.2
236.2
256.0
265.6
297.4
328.8
312.3
305.2
334.2
311.1
183.4
0.90%
3.26%
35
14.62
Buyback yield%
16.18
16.60
18.83
18.68
18.23
20.81
21.25
23.09
22.78
21.31
17.05
21.31
19.82
69
157.32
Eq/Assets%
114.14
122.81
112.21
111.36
106.15
103.11
107.84
110.94
106.18
100.57
159.69
106.18
109.39
94
0.460
Assets$B
2.614
2.854
2.940
3.255
3.497
3.739
3.971
4.429
4.974
5.490
1.115
9.44%
8.23%
7
1.227
LT debt$B
1.287
1.215
1.198
1.147
1.098
1.204
1.130
1.021
0.959
1.010
0.808
(1.66%)
(2.03%)
18
Total assets
$5.490B
8.23%
1.55×
Revenue
$2.261B
3.57%
1.00×
Non-interest expense
$1.272B
3.79%
1.02×
Net interest income
78.36%
Non-interest income
21.64%