0.740
Revenue$B
1.093
1.101
1.119
1.118
1.149
1.132
1.150
1.158
1.182
1.199
0.808
0.84%
1.08%
15
26.39
Revenue growth%
19.39
16.94
15.70
13.09
13.79
15.94
15.63
16.26
16.15
16.85
7.11
16.15
16.05
30
19.26
NIM%
0.40
1.46
0.40
0.40
2.94
5.00
6.40
6.44
6.41
8.37
8.54
6.41
3.97
59
5.68
Effic. R.%
2.21
0.40
0.40
3.04
3.71
2.98
4.64
5.45
8.05
9.03
21.53
5.45
3.37
29
18.25
Net margin%
13.25
11.55
11.83
14.18
16.62
15.27
14.93
13.83
16.24
18.78
29.34
15.27
14.56
30
15.58
P/E ratio (avg)x
47.24
50.19
53.25
48.15
46.99
45.84
50.16
48.41
51.45
46.60
26.69
48.41
48.28
88
32.81
P/TBVx
45.22
43.44
46.75
47.13
53.50
53.68
54.08
63.24
71.38
80.35
11.15
63.24
53.59
16
18.00
P/Bx
25.66
26.69
27.20
24.94
24.00
21.70
22.10
23.58
20.73
18.49
37.13
21.70
23.79
88
0.669
NII$B
0.723
0.723
0.738
0.738
0.775
0.759
0.774
0.776
0.773
0.807
1.029
0.81%
1.27%
—
21.64
NII grth%
0.40
0.40
2.55
3.79
2.04
2.30
1.57
2.76
4.53
3.99
19.86
2.76
2.42
30
13.97
ROTE%
11.49
10.40
12.50
10.37
11.56
12.55
13.86
16.38
18.83
20.43
10.30
16.38
12.52
82
9.92
Return on equity%
7.31
9.99
9.69
10.32
10.12
11.87
11.15
13.37
14.93
12.71
22.17
12.71
10.74
77
14.64
Return on assets%
3.03
0.68
0.40
3.36
1.98
2.57
0.52
3.42
6.11
6.82
9.72
3.42
2.80
45
4.24
EPS$
3.30
3.71
3.41
3.48
3.66
4.06
3.91
3.70
3.38
3.84
4.59
0.98%
1.11%
—
4.87
EPS growth%
5.34
7.77
6.37
9.00
8.44
5.63
5.35
7.69
10.46
12.25
4.58
7.69
7.73
46
1.33
Bookvalue per sh$
2.69
2.74
3.06
3.17
3.21
3.51
3.76
4.02
3.70
3.60
2.68
2.30%
4.15%
—
2.86
TBV/sh$
1.93
1.94
1.90
2.14
2.40
2.30
2.31
2.40
2.53
2.73
2.60
2.65%
3.51%
—
4.41
Dividend per sh$
2.54
2.45
2.82
3.19
3.24
3.06
3.61
3.98
4.14
4.20
1.49
5.33%
6.92%
—
19.46
Div yield (avg)%
24.06
24.94
25.98
27.28
27.68
25.41
24.30
25.29
24.46
26.51
24.72
25.29
25.35
41
3.88
Payout ratio%
18.89
21.07
18.93
19.17
21.08
20.64
22.75
20.39
17.46
17.54
14.83
20.39
19.78
21
68.86
Shares (diluted)M
107.5
122.8
132.1
122.7
118.0
117.9
128.9
119.3
125.3
136.3
70.57
2.94%
3.63%
19
26.72
Buyback yield%
12.63
10.85
9.26
10.06
9.62
6.94
4.50
2.44
4.14
1.33
9.59
4.14
8.10
63
54.30
Eq/Assets%
52.56
48.75
45.29
40.89
36.31
36.68
35.20
34.72
34.37
29.66
47.96
34.72
36.49
62
0.454
Assets$B
2.276
2.382
2.571
2.847
3.141
3.413
3.736
4.181
4.439
4.945
0.593
9.50%
8.89%
89
437.4
LT debt$M
406.0
404.1
433.9
518.2
533.0
625.1
685.4
684.4
722.7
812.6
767.9
8.80%
7.10%
95
Total assets
$4.945B
8.89%
2.10×
Revenue
$1.199B
1.08%
1.00×
Non-interest expense
$699.1M
1.11%
1.00×
Net interest income
67.29%
Non-interest income
32.71%