0.940
Revenue$B
0.807
0.849
0.902
0.984
1.047
1.106
1.184
1.275
1.367
1.482
0.993
7.21%
7.08%
52
8.74
Revenue growth%
26.22
27.28
27.67
29.92
30.89
30.90
33.58
32.67
33.73
36.51
2.12
33.58
30.90
76
8.25
NIM%
16.69
18.87
16.67
16.73
15.71
16.95
17.13
16.76
18.07
15.88
26.14
16.95
16.75
70
11.85
Effic. R.%
3.98
3.41
3.49
3.62
2.88
0.64
0.62
0.40
1.62
0.51
10.76
0.62
2.25
17
14.33
Net margin%
27.77
28.71
29.22
31.88
34.36
32.26
34.56
33.91
33.76
31.75
22.85
33.76
32.07
73
17.89
P/E ratio (avg)x
28.55
27.17
27.53
25.46
27.43
25.86
27.89
28.68
29.30
25.92
20.04
27.89
27.48
55
30.46
P/TBVx
23.48
24.28
21.28
21.62
19.70
18.07
16.96
17.23
17.50
16.95
14.69
17.23
18.88
83
18.89
P/Bx
26.70
28.25
29.48
34.26
38.62
41.73
45.82
51.35
47.74
54.96
17.74
47.74
40.18
51
1,049
NII$M
541.2
567.5
609.5
657.8
698.4
750.4
798.1
863.7
925.6
989.1
343.5
7.21%
7.04%
—
4.51
NII grth%
10.80
11.72
13.74
16.66
14.13
14.57
14.37
11.68
12.33
13.35
24.36
13.35
13.55
21
8.15
ROTE%
3.36
3.49
2.83
3.74
4.87
6.97
8.96
7.26
9.52
11.96
4.18
8.96
5.92
93
25.54
Return on equity%
29.08
31.94
34.22
33.48
31.21
28.44
30.84
28.78
31.23
28.32
2.67
28.78
31.03
19
9.98
Return on assets%
18.65
17.16
16.93
14.72
15.88
14.72
13.80
15.37
12.80
14.55
26.93
14.55
15.05
47
4.53
EPS$
11.94
12.28
11.22
10.86
9.84
9.59
9.01
8.70
9.87
10.74
4.86
1.76%
(0.62%)
—
6.53
EPS growth%
10.88
11.50
13.02
13.81
10.90
9.13
6.55
7.15
7.47
4.66
29.43
7.15
10.00
17
9.65
Bookvalue per sh$
6.59
7.22
7.09
6.79
6.10
5.93
6.35
5.56
5.43
5.99
8.80
(0.38%)
(1.54%)
—
6.64
TBV/sh$
10.48
12.00
13.33
15.58
18.01
21.00
23.36
26.63
26.56
31.40
8.89
11.76%
11.62%
—
6.33
Dividend per sh$
5.54
5.57
5.90
5.15
4.42
4.09
3.73
3.27
3.06
2.77
8.60
(8.96%)
(6.58%)
—
17.51
Div yield (avg)%
26.25
24.80
24.40
25.73
23.13
21.43
19.11
20.94
21.54
19.56
17.54
20.94
22.34
72
6.99
Payout ratio%
14.27
16.37
15.26
14.95
13.45
11.16
9.95
12.78
10.97
13.51
26.66
11.16
13.48
53
53.19
Shares (diluted)M
64.07
63.99
63.84
71.64
68.85
68.34
76.25
80.93
93.20
94.16
53.92
6.46%
3.49%
56
16.05
Buyback yield%
34.36
36.24
39.01
39.44
42.41
41.60
39.48
38.96
39.42
38.62
10.59
39.42
39.22
48
43.06
Eq/Assets%
28.30
31.47
33.54
33.59
31.68
33.28
36.62
35.59
36.29
35.29
73.01
35.59
33.57
9
0.187
Assets$B
3.280
3.502
3.971
4.477
4.827
5.190
5.402
5.991
6.390
7.139
0.191
8.14%
8.70%
62
1.206
LT debt$B
0.268
0.274
0.263
0.273
0.289
0.262
0.254
0.253
0.277
0.299
1.020
0.70%
1.18%
77
Total assets
$7.139B
8.70%
1.16×
Revenue
$1.482B
7.08%
1.00×
Non-interest expense
$791.5M
6.79%
0.97×
Net interest income
66.73%
Non-interest income
33.27%
Spread over hurdle
12.67%