0.058
Revenue$B
0.598
0.647
0.686
0.728
0.779
0.820
0.878
0.949
1.028
1.076
0.063
6.68%
6.50%
11
14.25
Revenue growth%
8.51
8.24
9.48
10.83
8.44
9.11
8.52
9.87
12.77
13.22
11.81
9.87
9.29
26
12.65
NIM%
20.54
22.52
25.52
26.56
26.83
25.34
23.12
22.46
25.01
24.97
19.86
24.97
24.99
11
19.59
Effic. R.%
7.85
8.37
10.66
13.56
14.57
17.47
17.40
16.74
17.65
18.55
5.99
17.47
15.66
24
3.02
Net margin%
7.75
6.10
5.75
8.45
8.43
5.75
6.25
6.96
6.24
8.24
8.32
6.25
6.61
91
9.182
P/E ratio (avg)x
37.51
40.70
38.94
39.70
41.89
39.50
37.40
40.11
37.04
41.69
22.14
39.50
39.60
62
36.98
P/TBVx
19.94
19.67
21.71
24.92
23.94
23.90
25.33
28.79
32.23
35.90
35.57
28.79
24.43
14
6.427
P/Bx
10.89
11.64
11.80
11.10
9.706
10.02
10.04
9.357
8.766
8.167
7.254
9.357
10.03
16
720.3
NII$M
384.1
407.5
427.9
462.2
495.3
523.7
561.9
606.4
655.9
686.2
949.0
6.74%
6.67%
—
28.22
NII grth%
8.69
11.08
9.33
6.92
9.13
9.11
11.31
9.11
8.94
9.22
11.16
9.11
9.12
9
7.83
ROTE%
3.01
0.55
0.40
0.40
0.40
3.33
5.91
4.47
6.62
8.01
26.33
5.91
3.17
32
25.72
Return on equity%
19.15
20.49
17.72
17.22
17.70
17.79
15.60
15.71
16.40
15.11
10.73
15.71
17.46
16
13.05
Return on assets%
8.34
7.56
10.34
12.67
14.34
15.63
15.38
16.36
18.79
18.45
26.76
16.36
14.86
64
2.18
EPS$
4.42
4.27
4.03
4.24
4.71
4.74
5.60
6.33
6.33
6.81
2.41
7.63%
5.32%
—
11.75
EPS growth%
34.12
33.57
34.47
35.49
37.80
35.16
35.20
35.10
32.63
34.93
19.66
35.10
35.01
55
3.70
Bookvalue per sh$
2.15
2.11
2.24
2.32
2.57
2.34
2.44
2.31
2.42
2.21
5.29
(2.97%)
0.15%
—
3.15
TBV/sh$
4.25
4.88
5.67
5.76
6.82
6.88
6.84
7.43
8.19
9.30
6.84
6.40%
7.69%
—
7.17
Dividend per sh$
8.34
8.21
7.44
7.46
6.78
6.94
7.29
7.66
7.98
7.61
5.40
2.33%
(0.67%)
—
10.19
Div yield (avg)%
16.88
14.21
13.97
15.02
12.90
15.59
15.84
14.94
16.74
14.09
23.34
15.59
14.98
89
6.53
Payout ratio%
16.45
19.03
20.02
21.52
21.57
24.18
21.85
23.68
24.63
23.48
3.78
23.68
21.71
56
193.2
Shares (diluted)M
275.6
294.2
339.3
353.5
394.1
409.3
422.6
415.1
394.0
393.0
200.3
(0.06%)
4.99%
73
15.83
Buyback yield%
25.33
25.14
24.58
22.42
24.88
26.84
29.83
28.91
30.69
30.44
13.28
29.83
26.08
51
175.50
Eq/Assets%
207.45
187.66
192.78
217.12
208.40
205.41
214.53
207.85
236.55
247.48
164.87
214.53
208.13
56
0.559
Assets$B
1.291
1.382
1.478
1.581
1.706
1.843
1.994
2.154
2.260
2.484
0.091
7.80%
7.77%
68
1,028
LT debt$M
656.7
709.4
664.2
651.3
607.0
663.6
602.9
671.8
750.3
702.3
942.2
2.96%
1.50%
88
Total assets
$2.484B
7.77%
1.13×
Revenue
$1.076B
6.50%
1.00×
Non-interest expense
$664.5M
6.56%
1.01×
Net interest income
63.77%
Non-interest income
36.23%