2.125
Revenue$B
1.452
1.554
1.629
1.746
1.822
1.901
2.070
2.180
2.274
2.450
2.314
6.10%
5.91%
75
9.05
Revenue growth%
17.09
17.34
18.57
17.25
16.32
17.86
18.53
16.99
19.87
22.34
24.99
18.53
17.60
48
10.07
NIM%
23.94
26.40
23.68
22.94
21.27
22.32
22.20
21.06
19.56
19.90
7.88
21.06
22.26
44
11.54
Effic. R.%
30.24
32.14
31.22
30.29
30.73
29.88
27.77
29.63
29.79
27.67
11.42
29.63
30.06
39
7.96
Net margin%
11.09
14.07
11.68
9.07
7.05
5.61
3.50
3.25
3.80
6.67
17.65
3.80
6.86
35
32.33
P/E ratio (avg)x
6.562
7.243
7.821
7.838
7.406
8.117
8.310
7.456
6.653
6.715
30.14
7.456
7.431
60
17.36
P/TBVx
9.976
10.67
11.13
12.24
10.89
10.39
10.56
10.52
9.584
10.70
19.65
10.52
10.61
77
30.21
P/Bx
16.97
16.92
18.71
17.15
17.07
17.88
19.89
20.02
19.74
18.84
28.58
19.74
18.29
24
1.243
NII$B
0.949
1.036
1.063
1.146
1.210
1.273
1.389
1.456
1.518
1.623
1.664
6.04%
6.00%
—
4.55
NII grth%
18.85
20.03
18.28
17.15
17.86
18.19
15.30
13.50
11.32
8.98
14.72
13.50
17.50
37
4.90
ROTE%
1.00
0.40
0.60
0.40
2.71
2.55
4.07
3.05
3.09
0.64
2.49
3.05
1.77
27
22.09
Return on equity%
14.74
12.46
9.70
12.08
11.06
9.70
12.11
14.47
15.58
13.60
2.78
13.60
12.28
89
10.53
Return on assets%
29.16
32.06
31.42
32.84
30.55
32.24
32.49
34.17
35.41
34.03
17.99
34.03
32.37
22
2.66
EPS$
2.86
2.82
3.18
3.30
3.71
3.69
3.90
4.52
4.97
5.65
2.81
8.75%
6.82%
—
13.84
EPS growth%
27.24
27.27
30.00
31.59
33.19
32.35
30.52
33.17
30.80
33.40
7.12
32.35
31.20
36
1.63
Bookvalue per sh$
1.77
1.68
1.72
1.72
1.50
1.45
1.37
1.36
1.33
1.16
1.67
(5.07%)
(5.47%)
—
1.77
TBV/sh$
0.64
0.72
0.80
0.87
0.98
1.07
1.06
0.96
0.92
0.95
3.02
(0.49%)
2.98%
—
0.97
Dividend per sh$
1.69
1.97
2.21
2.13
2.02
2.11
2.17
2.37
2.36
2.65
1.34
5.59%
3.84%
—
21.70
Div yield (avg)%
3.06
0.79
3.21
3.71
1.74
2.67
0.40
0.40
0.40
0.40
25.01
0.40
1.26
9
4.48
Payout ratio%
11.30
9.92
9.69
9.28
8.47
6.00
5.14
7.28
9.04
10.63
2.78
7.28
9.16
79
0.477
Shares (diluted)B
0.647
0.669
0.671
0.740
0.824
0.877
0.945
1.011
1.080
1.153
0.460
6.96%
6.92%
52
6.78
Buyback yield%
24.01
22.45
21.70
23.23
23.11
20.25
17.96
18.71
19.81
20.41
12.26
19.81
21.06
34
73.01
Eq/Assets%
37.09
41.21
44.33
48.30
45.43
43.29
38.96
40.70
37.25
41.86
112.00
40.70
41.53
25
1.112
Assets$B
3.583
4.033
4.325
4.742
5.406
5.942
6.409
7.000
7.300
7.809
2.450
7.63%
8.76%
93
2.122
LT debt$B
0.124
0.127
0.135
0.138
0.133
0.143
0.139
0.126
0.138
0.146
1.409
1.90%
2.77%
9
Total assets
$7.809B
8.76%
1.30×
Revenue
$2.450B
5.91%
1.00×
Non-interest expense
$1.092B
5.86%
0.99×
Net interest income
66.23%
Non-interest income
33.77%