1.011
Revenue$B
1.420
1.417
1.387
1.367
1.370
1.390
1.390
1.417
1.411
1.430
1.037
0.87%
0.18%
70
20.90
Revenue growth%
17.83
18.24
20.50
22.93
20.20
20.49
18.38
21.01
18.81
17.83
11.13
18.81
19.51
30
2.78
NIM%
23.64
21.89
21.68
18.72
20.20
23.10
22.96
23.44
22.90
21.88
24.23
22.96
22.40
57
19.59
Effic. R.%
12.31
13.24
13.00
10.42
10.49
10.80
12.10
9.90
8.78
11.71
20.00
10.80
11.26
91
18.77
Net margin%
4.95
4.57
2.81
5.39
7.56
6.43
8.03
8.43
7.66
6.42
14.31
7.66
6.43
62
36.15
P/E ratio (avg)x
10.79
12.14
11.56
10.67
12.12
12.92
14.26
15.31
15.67
14.75
11.04
14.75
12.53
73
17.62
P/TBVx
33.95
35.17
36.30
40.88
37.45
38.37
36.61
40.16
39.79
42.37
36.69
39.79
37.91
93
27.74
P/Bx
12.99
13.14
14.78
16.13
17.22
19.76
21.39
25.63
25.69
27.79
32.25
25.63
18.49
31
0.109
NII$B
0.960
0.983
0.947
0.935
0.943
0.960
0.955
0.983
0.971
0.969
1.008
0.55%
0.16%
—
16.48
NII grth%
20.20
18.79
16.56
15.01
13.39
12.33
13.12
14.98
17.13
19.59
9.42
14.98
15.79
18
13.55
ROTE%
4.90
2.02
0.98
0.40
0.61
0.40
2.76
0.87
1.38
0.40
24.91
0.87
0.93
86
28.75
Return on equity%
33.96
32.45
29.83
32.37
30.05
28.33
29.36
32.16
34.87
37.33
10.49
32.16
32.26
17
10.76
Return on assets%
3.73
5.23
8.12
5.18
6.99
4.99
7.19
4.57
3.24
5.34
27.50
4.99
5.21
78
4.14
EPS$
1.45
1.53
1.50
1.70
1.93
1.90
2.08
2.05
2.27
2.37
4.36
4.19%
6.06%
—
8.45
EPS growth%
6.53
8.59
5.86
4.27
2.71
4.88
2.54
2.10
1.87
0.40
19.62
2.10
3.49
56
2.38
Bookvalue per sh$
3.77
3.74
4.35
4.69
4.81
5.45
5.79
5.91
6.65
6.69
1.20
6.81%
6.19%
—
1.68
TBV/sh$
2.56
2.70
2.90
2.60
2.65
2.52
2.36
2.19
2.32
2.52
1.11
(1.02%)
(1.31%)
—
5.00
Dividend per sh$
1.70
1.51
1.65
1.71
1.55
1.36
1.47
1.35
1.40
1.52
4.57
(0.41%)
(2.26%)
—
21.93
Div yield (avg)%
19.74
22.71
20.74
20.67
19.21
17.80
19.33
19.07
16.68
14.74
21.92
17.80
19.27
31
7.81
Payout ratio%
15.42
17.71
15.29
14.91
15.69
14.17
16.37
17.33
18.72
18.12
28.03
17.33
16.03
29
132.1
Shares (diluted)M
128.1
135.9
157.3
174.6
173.9
190.4
202.8
218.1
251.3
283.1
133.7
10.24%
7.47%
54
3.36
Buyback yield%
5.61
6.46
8.77
7.54
5.68
6.05
5.21
7.92
6.35
7.37
3.12
6.35
6.40
60
133.94
Eq/Assets%
202.55
200.54
203.23
214.96
250.06
272.43
274.33
273.95
255.87
245.00
156.70
272.43
247.53
6
1.165
Assets$B
2.889
3.126
3.454
3.748
4.085
4.322
4.470
5.120
5.258
5.910
0.609
7.66%
7.74%
39
1,092
LT debt$M
555.7
583.1
651.9
683.5
748.5
796.5
799.1
763.9
887.7
897.7
584.7
3.70%
6.41%
84
Total assets
$5.910B
7.74%
2.07×
Revenue
$1.430B
0.18%
1.00×
Non-interest expense
$846.5M
0.30%
1.01×
Net interest income
67.77%
Non-interest income
32.23%