1.037
Revenue$B
1.155
1.182
1.210
1.207
1.189
1.181
1.168
1.197
1.214
1.196
1.084
0.11%
0.59%
25
14.93
Revenue growth%
29.02
29.89
26.90
28.52
26.90
28.25
29.19
28.34
31.30
29.27
18.73
29.19
28.77
40
21.70
NIM%
14.71
15.33
12.81
11.29
10.74
13.66
13.05
15.48
14.48
11.73
6.08
13.66
13.35
76
3.84
Effic. R.%
18.68
17.60
15.13
15.83
15.36
12.45
10.71
11.86
14.76
17.59
20.29
12.45
15.24
43
28.64
Net margin%
18.98
19.87
21.60
23.57
22.56
20.00
21.52
20.73
19.85
22.70
2.38
20.73
21.12
27
30.29
P/E ratio (avg)x
40.40
43.03
50.40
55.03
66.03
66.24
74.11
81.08
89.37
103.4
26.04
81.08
66.13
71
23.81
P/TBVx
30.89
31.98
34.40
36.88
33.65
36.47
39.39
42.36
46.17
40.83
27.29
40.83
36.68
9
9.422
P/Bx
35.66
32.75
33.17
30.44
32.07
28.97
27.23
28.81
28.42
29.25
6.507
28.81
29.85
62
462.7
NII$M
831.4
841.6
864.3
865.8
842.2
853.0
828.9
858.8
866.5
860.8
857.8
0.44%
0.55%
—
12.51
NII grth%
6.92
7.54
9.48
7.63
5.75
4.50
3.91
6.04
4.41
4.42
18.93
4.42
5.90
77
29.66
ROTE%
11.22
12.47
12.26
13.68
12.48
13.69
11.06
9.04
7.66
8.36
3.16
9.04
11.74
17
7.97
Return on equity%
27.79
25.69
28.54
29.83
29.96
32.54
32.96
33.66
35.04
36.94
19.49
33.66
31.25
55
13.48
Return on assets%
0.48
0.40
3.10
2.59
0.40
0.40
2.27
3.99
1.59
0.59
12.05
1.59
1.09
76
9.49
EPS$
5.91
6.24
5.45
4.70
4.40
4.35
3.98
4.27
3.75
3.48
10.13
(4.56%)
(5.73%)
—
24.07
EPS growth%
9.52
9.96
9.40
10.91
8.93
10.61
11.12
11.70
12.75
15.75
23.18
11.70
10.76
7
3.46
Bookvalue per sh$
6.59
7.62
8.52
9.32
9.98
9.57
9.84
10.59
9.96
11.30
4.00
2.53%
7.04%
—
8.72
TBV/sh$
7.35
6.80
6.04
5.50
5.16
4.79
4.99
4.35
4.17
4.10
2.65
(4.52%)
(5.70%)
—
4.23
Dividend per sh$
6.26
6.47
6.84
6.53
6.91
7.56
7.75
7.80
7.30
7.04
4.70
0.37%
0.47%
—
18.30
Div yield (avg)%
25.51
24.23
21.75
21.14
18.56
19.20
17.63
20.40
22.38
20.36
19.29
20.36
20.77
31
11.42
Payout ratio%
14.90
12.37
15.32
17.18
19.31
17.90
15.29
15.71
14.23
12.20
8.59
15.29
15.30
37
32.74
Shares (diluted)M
58.67
59.38
68.76
73.01
87.36
96.69
106.5
114.7
137.0
163.4
33.28
13.34%
11.53%
40
2.92
Buyback yield%
20.99
20.62
18.38
15.45
15.75
16.67
16.98
17.28
14.82
13.78
2.65
16.67
16.83
45
94.17
Eq/Assets%
110.78
128.29
149.93
157.42
153.04
181.44
205.10
227.68
260.54
311.97
103.04
227.68
169.43
78
0.141
Assets$B
1.796
1.971
2.149
2.311
2.512
2.708
3.007
3.256
3.709
4.031
0.190
9.92%
8.75%
7
0.298
LT debt$B
1.192
1.402
1.528
1.594
1.540
1.737
1.967
1.897
1.904
2.198
0.114
7.38%
6.85%
75
Total assets
$4.031B
8.75%
2.18×
Revenue
$1.196B
0.59%
1.00×
Non-interest expense
$620.9M
0.40%
0.98×
Net interest income
71.96%
Non-interest income
28.04%