1.493
Revenue$B
1.252
1.362
1.440
1.528
1.667
1.797
1.882
2.053
2.241
2.385
1.653
7.42%
7.33%
72
22.86
Revenue growth%
0.40
0.40
1.62
3.45
4.55
4.62
2.55
0.40
0.40
0.40
5.53
0.40
1.01
65
10.97
NIM%
4.61
2.91
2.14
0.63
0.40
0.40
0.40
0.81
2.13
1.29
18.11
0.81
1.05
40
8.21
Effic. R.%
31.10
32.82
32.74
33.79
35.00
33.03
30.60
27.89
27.73
25.77
25.40
27.89
31.92
62
23.46
Net margin%
16.11
18.59
19.61
21.95
21.32
24.30
21.61
19.60
17.48
14.52
11.57
19.60
19.61
50
29.02
P/E ratio (avg)x
19.65
19.49
22.98
26.07
27.29
32.16
32.45
33.12
39.22
42.64
13.03
33.12
29.73
33
23.47
P/TBVx
5.224
5.624
5.788
6.451
6.947
7.392
8.171
8.269
8.787
9.558
34.88
8.269
7.170
41
18.62
P/Bx
16.11
14.25
15.34
14.57
15.30
13.73
14.90
16.41
16.55
14.70
29.67
14.90
15.10
54
1.552
NII$B
0.809
0.878
0.949
1.013
1.091
1.172
1.246
1.322
1.444
1.565
0.659
7.48%
7.24%
—
8.07
NII grth%
17.96
16.19
18.92
16.41
17.48
17.87
17.17
18.66
16.20
13.77
5.11
17.17
17.32
7
17.21
ROTE%
23.36
21.47
22.24
23.31
25.07
22.63
20.74
17.74
14.77
16.78
17.47
17.74
21.86
56
5.74
Return on equity%
7.52
8.62
9.20
11.81
9.63
11.26
9.95
9.66
11.88
10.91
9.01
10.91
9.81
41
26.58
Return on assets%
11.67
9.15
11.43
13.14
14.71
16.01
18.59
21.12
23.20
21.18
16.46
21.12
15.36
40
4.32
EPS$
28.02
30.32
32.10
31.88
37.87
36.65
39.11
38.40
38.40
39.24
4.72
0.71%
4.16%
—
10.20
EPS growth%
15.37
16.99
14.51
12.33
10.28
8.86
7.91
7.00
9.75
9.09
2.40
8.86
10.02
44
5.54
Bookvalue per sh$
32.25
32.01
34.32
34.60
39.15
40.65
37.97
40.78
40.19
40.58
21.58
0.72%
1.65%
—
23.24
TBV/sh$
4.75
4.87
4.37
4.48
4.06
4.19
4.61
4.78
5.19
5.68
27.71
6.98%
2.48%
—
19.16
Dividend per sh$
17.16
18.29
17.06
19.65
19.30
17.95
17.21
16.28
17.68
17.18
14.06
(2.30%)
0.66%
—
4.23
Div yield (avg)%
9.21
6.79
4.83
4.59
4.42
1.66
0.92
3.58
6.44
8.21
2.05
3.58
4.71
71
2.49
Payout ratio%
0.40
0.40
0.40
2.06
1.93
3.33
5.21
4.01
1.35
1.85
19.18
3.33
1.89
27
62.22
Shares (diluted)M
48.09
51.58
46.99
43.73
42.68
44.92
44.28
45.41
46.03
46.71
61.26
1.82%
(1.67%)
77
16.36
Buyback yield%
13.84
15.87
17.18
16.84
13.90
15.58
15.50
13.49
13.86
16.47
12.30
15.50
15.54
51
81.52
Eq/Assets%
246.02
265.88
315.98
375.96
442.18
533.44
571.22
566.49
573.39
693.56
71.64
571.22
487.81
63
0.609
Assets$B
5.359
5.951
6.520
7.370
8.117
8.497
9.109
10.29
10.89
11.47
0.908
7.17%
8.88%
68
1.216
LT debt$B
0.552
0.551
0.620
0.646
0.642
0.677
0.772
0.768
0.856
0.885
1.909
6.64%
5.09%
68
Total assets
$11.47B
8.88%
1.15×
Revenue
$2.385B
7.33%
1.00×
Non-interest expense
$1.290B
7.37%
1.00×
Net interest income
65.62%
Non-interest income
34.38%