487.9
Revenue$M
439.8
444.6
446.1
458.4
471.0
475.0
486.8
492.8
510.5
530.7
543.3
2.42%
2.22%
18
8.61
Revenue growth%
9.13
10.13
8.71
9.15
11.67
12.02
14.92
12.49
12.61
11.22
8.60
12.49
11.45
17
6.49
NIM%
23.65
23.11
23.76
22.34
20.89
20.69
18.04
18.09
18.87
20.91
14.09
18.87
20.90
20
2.91
Effic. R.%
16.49
15.10
15.18
13.51
13.50
14.95
17.07
15.13
15.93
16.91
25.77
15.93
15.15
11
21.57
Net margin%
13.89
14.25
15.19
15.93
15.17
12.95
13.83
12.44
11.91
14.39
8.77
12.95
14.07
44
16.23
P/E ratio (avg)x
29.51
33.60
33.34
39.49
40.67
44.03
42.99
45.75
46.31
51.30
29.67
45.75
41.83
26
29.49
P/TBVx
25.86
27.37
24.42
23.03
20.31
20.46
21.08
22.06
21.26
21.43
15.73
21.26
21.74
10
30.70
P/Bx
23.17
21.44
18.08
15.36
13.07
13.01
13.32
13.62
14.32
15.31
16.65
13.62
14.82
23
533.4
NII$M
257.7
266.4
267.1
270.8
284.1
285.8
291.4
288.2
303.3
312.7
478.5
1.94%
2.32%
—
4.01
NII grth%
8.00
5.43
6.70
4.38
3.09
5.33
5.46
4.40
2.51
5.10
28.12
5.10
5.21
50
6.16
ROTE%
11.34
11.03
12.03
12.23
9.62
8.98
8.28
8.20
5.42
8.36
26.47
8.28
9.30
71
22.77
Return on equity%
22.43
20.84
19.16
21.86
23.67
24.14
25.22
26.91
29.72
26.75
13.92
26.75
23.90
22
21.44
Return on assets%
29.39
28.47
27.82
27.47
25.86
25.51
26.01
23.32
23.24
25.26
12.57
25.26
25.93
93
0.71
EPS$
0.59
0.67
0.70
0.76
0.79
0.78
0.78
0.80
0.80
0.85
0.72
1.42%
2.78%
—
28.45
EPS growth%
15.48
16.62
13.76
14.23
13.53
13.94
14.60
14.23
17.18
14.76
13.39
14.60
14.41
88
2.69
Bookvalue per sh$
0.42
0.44
0.45
0.52
0.57
0.62
0.66
0.71
0.69
0.65
2.49
2.71%
3.75%
—
1.16
TBV/sh$
2.09
2.27
2.19
2.30
2.65
2.63
2.94
3.42
3.67
4.14
0.88
9.36%
7.63%
—
1.15
Dividend per sh$
1.89
1.78
1.89
1.97
2.17
2.20
2.25
2.45
2.61
2.82
2.71
5.42%
3.48%
—
3.90
Div yield (avg)%
0.40
0.40
0.40
0.40
0.40
1.83
0.53
0.80
0.81
3.75
25.77
0.81
0.46
76
12.94
Payout ratio%
10.15
11.56
9.32
6.52
7.39
9.87
12.41
10.99
8.57
8.61
21.99
9.87
9.59
92
159.9
Shares (diluted)M
117.6
112.6
105.1
101.6
103.6
104.0
112.7
101.4
88.57
79.22
155.9
(5.23%)
(3.65%)
91
10.57
Buyback yield%
19.08
16.73
18.76
16.03
14.35
11.53
9.51
7.61
8.11
7.58
7.10
8.11
12.94
23
175.18
Eq/Assets%
49.56
50.82
49.18
49.41
47.07
50.08
51.60
51.34
47.98
45.94
172.52
50.08
49.49
24
0.466
Assets$B
1.157
1.233
1.315
1.439
1.501
1.628
1.837
2.037
2.172
2.263
0.744
8.56%
7.91%
47
678.8
LT debt$M
255.7
287.2
336.0
346.4
372.2
389.1
387.3
370.0
368.6
400.8
300.2
1.49%
5.71%
67
Total assets
$2.263B
7.91%
1.72×
Revenue
$530.7M
2.22%
1.00×
Non-interest expense
$280.0M
2.30%
1.01×
Net interest income
58.91%
Non-interest income
41.09%
Spread over hurdle
21.06%