161.8
Revenue$M
296.0
321.3
350.0
381.0
421.3
460.2
491.1
530.5
564.8
620.1
166.6
8.04%
8.47%
8
24.80
Revenue growth%
21.59
23.08
23.94
21.80
23.40
24.01
26.66
29.56
28.81
31.28
23.12
28.81
23.97
90
16.21
NIM%
3.06
3.13
5.13
7.34
6.90
9.10
7.21
6.90
9.18
10.61
27.96
9.10
7.05
62
6.57
Effic. R.%
22.97
22.51
22.99
24.51
24.85
22.01
24.52
25.83
25.03
27.60
18.01
25.03
24.52
5
20.74
Net margin%
21.58
21.35
20.82
23.51
20.69
17.83
17.05
17.13
14.56
16.83
11.00
17.05
19.26
83
26.18
P/E ratio (avg)x
23.32
25.43
24.90
23.01
26.22
25.14
26.17
24.27
26.31
27.11
17.69
26.17
25.29
20
10.22
P/TBVx
7.496
7.359
7.078
7.875
7.782
7.421
8.336
8.139
8.468
9.959
16.57
8.336
7.828
27
37.72
P/Bx
6.396
6.703
6.926
7.429
6.765
6.235
6.706
5.857
5.484
5.151
23.48
5.857
6.550
45
618.2
NII$M
208.0
227.0
244.6
263.0
296.0
319.7
338.8
373.7
393.0
428.6
321.8
7.68%
8.30%
—
27.64
NII grth%
5.07
6.52
6.21
4.77
4.26
2.19
5.10
7.46
9.73
12.43
19.89
7.46
5.66
64
11.67
ROTE%
22.32
21.74
23.17
25.16
25.24
26.23
26.88
27.11
28.64
27.61
22.50
27.11
25.73
9
20.18
Return on equity%
4.27
3.30
6.07
6.71
6.27
7.53
9.11
8.66
10.17
8.93
2.68
8.93
7.12
22
13.67
Return on assets%
9.91
12.36
13.58
13.15
13.30
12.23
10.62
11.18
13.50
13.06
10.28
12.23
12.71
77
4.09
EPS$
3.10
3.21
3.78
4.55
4.98
5.44
6.04
6.94
8.03
8.10
4.49
10.21%
11.04%
—
17.90
EPS growth%
14.09
11.49
8.55
9.49
6.90
4.57
3.11
0.40
2.63
3.20
10.43
3.11
5.73
51
2.78
Bookvalue per sh$
4.40
4.90
4.77
4.67
4.42
3.92
4.36
4.33
4.28
3.77
2.20
(3.17%)
(0.47%)
—
5.52
TBV/sh$
4.59
4.64
5.55
6.16
6.96
8.06
9.63
10.28
11.74
13.80
4.57
14.66%
13.02%
—
2.45
Dividend per sh$
8.26
8.39
8.59
9.32
9.73
9.44
9.09
10.53
11.03
11.03
2.83
2.53%
3.51%
—
4.25
Div yield (avg)%
14.73
15.59
14.41
14.92
15.95
18.73
16.66
15.16
15.33
17.44
29.26
16.66
15.46
47
11.54
Payout ratio%
16.18
16.86
16.08
13.25
13.39
16.15
16.42
16.76
18.95
20.96
22.71
16.76
16.30
75
37.49
Shares (diluted)M
62.72
69.70
77.33
73.76
85.70
80.22
78.43
91.27
101.3
117.0
36.52
6.43%
7.43%
43
17.37
Buyback yield%
6.97
5.49
3.14
0.62
2.84
1.28
1.29
1.72
1.32
2.28
5.54
1.32
2.00
80
52.29
Eq/Assets%
71.92
82.06
75.48
86.18
84.34
86.75
97.54
106.42
111.14
101.10
21.75
101.10
86.47
49
0.107
Assets$B
1.301
1.431
1.630
1.735
1.872
2.108
2.305
2.437
2.705
2.897
0.683
9.13%
9.41%
69
0.412
LT debt$B
0.965
1.027
1.109
1.268
1.305
1.382
1.435
1.464
1.499
1.756
0.528
6.11%
7.92%
94
Total assets
$2.897B
9.41%
1.09×
Revenue
$620.1M
8.47%
1.00×
Non-interest expense
$288.5M
8.30%
0.98×
Net interest income
69.12%
Non-interest income
30.88%