0.208
Revenue$B
1.023
1.060
1.114
1.168
1.219
1.287
1.342
1.427
1.516
1.566
0.229
5.14%
4.97%
39
22.94
Revenue growth%
20.47
19.15
19.33
20.64
17.89
20.62
19.11
19.98
17.09
17.71
29.45
19.11
19.24
36
23.35
NIM%
30.23
27.75
26.22
27.62
27.61
29.55
27.05
26.86
28.77
25.83
28.42
27.05
27.62
60
18.14
Effic. R.%
8.11
7.88
10.47
10.86
12.03
13.79
14.83
17.34
15.41
13.64
19.02
14.83
12.84
41
5.87
Net margin%
13.54
15.01
13.87
15.10
17.96
19.83
21.45
21.10
19.86
22.01
23.26
21.10
18.89
43
13.38
P/E ratio (avg)x
20.00
17.65
16.54
15.33
14.44
13.93
12.50
13.28
13.64
11.96
22.11
13.28
14.18
86
24.04
P/TBVx
48.22
49.23
56.77
60.04
62.93
61.05
68.14
72.16
76.14
83.67
7.069
72.16
61.99
27
9.294
P/Bx
38.17
41.93
43.27
45.40
48.30
57.25
56.18
58.94
58.05
58.12
35.45
58.05
52.24
86
0.315
NII$B
0.791
0.815
0.861
0.888
0.942
0.997
1.040
1.091
1.171
1.200
0.900
4.95%
5.01%
—
13.59
NII grth%
7.98
7.50
8.11
9.82
8.57
8.91
9.15
11.67
12.03
14.01
17.93
11.67
9.03
37
3.64
ROTE%
5.83
7.11
8.67
7.25
8.30
9.14
9.81
8.98
10.18
13.10
9.34
9.81
8.83
56
14.00
Return on equity%
1.66
1.74
1.20
0.40
2.49
4.93
7.09
5.47
8.14
9.90
24.51
7.09
3.71
12
9.62
Return on assets%
11.32
10.26
9.37
7.44
4.88
4.09
3.75
1.53
1.96
4.49
23.56
3.75
4.69
42
0.17
EPS$
1.40
1.34
1.46
1.49
1.49
1.58
1.54
1.70
1.72
1.62
0.18
1.75%
2.80%
—
2.43
EPS growth%
23.75
23.68
21.66
24.57
25.89
28.21
29.49
30.17
29.69
27.85
2.36
29.49
26.87
59
0.47
Bookvalue per sh$
0.50
0.53
0.49
0.53
0.60
0.60
0.68
0.68
0.70
0.68
0.29
2.45%
2.81%
—
0.91
TBV/sh$
0.37
0.38
0.39
0.41
0.44
0.46
0.48
0.50
0.50
0.57
1.05
5.43%
5.37%
—
0.63
Dividend per sh$
0.70
0.66
0.69
0.69
0.67
0.63
0.58
0.63
0.68
0.72
0.87
1.58%
1.54%
—
24.24
Div yield (avg)%
6.42
6.03
5.53
3.59
6.05
9.00
11.38
12.75
10.89
10.71
25.26
10.89
7.71
73
17.15
Payout ratio%
13.31
12.69
9.96
7.55
8.29
10.02
9.34
11.42
12.00
14.26
18.96
11.42
10.72
94
389.3
Shares (diluted)M
402.0
446.1
472.7
501.8
558.3
519.4
506.1
517.4
513.1
584.3
400.6
0.91%
3.38%
44
3.58
Buyback yield%
4.89
3.74
6.12
8.13
7.10
9.84
8.21
5.63
7.13
7.45
11.59
7.45
7.11
41
149.43
Eq/Assets%
185.17
168.00
161.54
172.40
180.48
162.65
167.41
186.82
178.20
180.19
109.80
178.20
175.30
67
0.586
Assets$B
5.551
5.842
6.476
7.196
7.511
8.054
8.808
9.612
10.11
10.59
1.517
7.12%
8.04%
68
1.191
LT debt$B
1.644
1.554
1.569
1.596
1.532
1.527
1.574
1.795
1.973
2.016
0.341
5.65%
3.01%
73
Total assets
$10.59B
8.04%
1.33×
Revenue
$1.566B
4.97%
1.00×
Non-interest expense
$917.0M
5.10%
1.01×
Net interest income
76.60%
Non-interest income
23.40%