1.229
Revenue$B
6.665
6.675
6.563
6.624
6.535
6.389
6.512
6.442
6.337
6.190
1.360
(1.08%)
(0.78%)
89
29.71
Revenue growth%
22.87
25.37
26.82
29.73
28.11
28.33
30.86
32.94
30.54
31.12
19.76
30.86
29.03
29
8.11
NIM%
19.75
20.51
21.62
24.30
26.68
25.04
27.78
26.52
24.00
23.13
11.73
25.04
24.15
52
24.26
Effic. R.%
17.00
16.67
14.12
16.16
16.05
15.47
18.33
20.23
19.13
18.55
7.98
18.55
16.84
57
24.69
Net margin%
22.03
24.24
22.12
22.05
23.94
26.21
27.84
30.82
31.77
31.78
2.69
30.82
25.23
27
35.36
P/E ratio (avg)x
30.96
33.16
31.40
31.10
36.25
35.12
33.09
37.72
41.97
45.30
18.80
37.72
34.14
11
21.41
P/TBVx
39.93
39.98
41.65
43.35
40.05
38.54
36.77
37.30
34.18
33.42
29.06
36.77
39.24
69
8.321
P/Bx
31.55
30.79
35.26
41.23
49.05
50.88
56.41
59.01
67.70
76.57
32.00
59.01
49.96
53
2.225
NII$B
3.804
3.813
3.738
3.792
3.749
3.646
3.727
3.598
3.580
3.507
2.785
(1.33%)
(0.83%)
—
29.36
NII grth%
16.58
19.13
19.57
16.83
14.64
12.06
10.55
9.79
7.35
6.82
28.52
9.79
13.35
45
23.76
ROTE%
10.87
8.20
8.79
7.52
9.57
10.42
11.42
13.36
14.25
12.24
15.69
12.24
10.64
36
29.41
Return on equity%
3.62
5.27
5.01
6.28
8.12
9.36
10.60
10.06
9.92
7.35
23.83
9.92
7.73
69
25.44
Return on assets%
23.11
21.46
18.78
18.51
17.42
17.08
16.93
17.72
15.74
17.07
11.18
17.07
17.57
84
13.21
EPS$
6.03
5.70
5.87
6.13
5.66
4.84
4.44
4.04
4.30
4.47
13.80
(4.59%)
(4.20%)
—
14.45
EPS growth%
21.23
19.78
16.95
14.36
13.31
12.36
10.60
9.67
7.19
6.09
22.82
9.67
12.83
39
11.14
Bookvalue per sh$
4.55
5.32
6.29
7.46
8.14
8.80
9.38
10.30
11.29
12.55
9.40
9.05%
12.46%
—
2.54
TBV/sh$
16.26
18.05
19.55
21.37
24.64
23.78
24.39
24.06
24.70
24.31
6.15
(0.27%)
4.93%
—
2.28
Dividend per sh$
10.06
10.06
9.76
8.49
7.92
7.31
7.04
6.46
6.33
6.27
13.12
(4.57%)
(5.02%)
—
10.12
Div yield (avg)%
11.70
9.72
10.11
12.50
15.24
14.44
15.53
17.99
20.11
19.31
27.08
17.99
14.84
64
19.57
Payout ratio%
16.20
13.58
16.07
18.89
16.82
17.62
17.56
19.57
18.00
15.39
10.53
17.62
17.19
47
413.2
Shares (diluted)M
314.6
314.8
283.8
308.0
288.3
257.5
270.5
272.9
295.9
317.5
418.1
1.95%
(1.28%)
46
25.70
Buyback yield%
8.70
6.36
6.75
6.70
5.97
4.16
1.99
4.45
4.04
4.48
22.01
4.16
5.22
23
135.94
Eq/Assets%
238.26
274.28
284.03
297.20
354.57
352.47
352.98
388.15
454.93
503.33
122.57
388.15
352.73
88
4.856
Assets$B
13.78
15.00
16.17
17.63
18.84
19.98
22.04
24.97
26.35
28.78
1.642
8.84%
8.09%
27
1.593
LT debt$B
0.415
0.374
0.363
0.323
0.346
0.359
0.336
0.364
0.353
0.331
2.748
(0.84%)
(3.11%)
55
Total assets
$28.78B
8.09%
2.35×
Revenue
$6.190B
(0.78%)
1.00×
Non-interest expense
$3.067B
(0.54%)
1.02×
Net interest income
56.66%
Non-interest income
43.34%
Spread over hurdle
17.78%