5.417
Revenue$B
3.384
3.497
3.707
3.840
3.982
4.106
4.303
4.524
4.769
4.938
6.043
4.40%
4.01%
69
4.35
Revenue growth%
13.24
11.64
14.09
13.89
11.44
13.62
16.40
17.07
16.56
17.05
8.57
16.56
13.99
33
8.47
NIM%
5.74
2.86
4.74
6.75
9.27
10.71
13.44
15.78
15.83
17.85
12.44
15.78
9.99
21
10.99
Effic. R.%
12.76
12.55
12.27
13.33
10.75
8.92
10.70
10.52
7.69
6.81
8.39
8.92
10.72
33
16.59
Net margin%
22.63
21.46
20.14
22.46
24.00
23.18
21.84
21.53
19.53
21.91
13.73
21.84
21.88
37
24.62
P/E ratio (avg)x
14.66
14.85
16.12
14.60
14.94
15.15
13.33
11.46
11.90
12.89
23.31
12.89
14.63
33
6.472
P/TBVx
6.908
7.041
6.599
5.993
5.365
4.959
4.888
4.842
5.279
5.839
28.13
4.959
5.602
45
23.33
P/Bx
16.87
15.29
14.32
15.38
14.20
12.48
11.50
11.27
10.84
10.26
14.65
11.27
13.34
93
6.165
NII$B
2.539
2.606
2.798
2.869
2.964
3.113
3.197
3.413
3.615
3.747
0.583
4.80%
4.15%
—
10.83
NII grth%
33.48
35.29
35.01
36.06
38.76
39.10
36.10
33.48
36.45
38.05
26.03
36.45
36.08
34
2.41
ROTE%
30.18
28.73
31.19
33.59
33.68
32.10
31.77
33.61
35.27
35.36
19.40
33.61
32.84
43
15.99
Return on equity%
15.67
18.52
20.03
21.14
19.23
20.83
17.98
16.80
15.39
14.40
16.89
16.80
18.25
20
5.78
Return on assets%
4.71
5.72
8.35
8.26
6.80
8.50
9.74
10.76
10.02
8.79
9.44
9.74
8.43
89
1.96
EPS$
2.06
2.41
2.68
2.77
2.83
2.99
3.32
3.42
3.53
4.20
2.01
8.19%
7.25%
—
15.13
EPS growth%
14.22
14.34
14.98
16.95
17.07
17.76
19.65
18.35
17.64
15.55
14.66
17.76
17.01
16
2.76
Bookvalue per sh$
3.13
3.40
3.69
4.13
4.28
4.93
4.82
5.47
6.19
6.86
1.53
9.91%
9.07%
—
2.58
TBV/sh$
1.01
0.93
0.83
0.71
0.65
0.68
0.72
0.75
0.80
0.72
1.91
1.97%
(4.33%)
—
2.41
Dividend per sh$
1.86
1.77
1.61
1.54
1.55
1.37
1.47
1.35
1.29
1.31
0.70
(3.38%)
(2.60%)
—
23.30
Div yield (avg)%
10.14
8.00
8.98
11.73
14.18
16.66
16.45
14.82
17.77
18.31
23.42
16.66
14.50
13
28.56
Payout ratio%
29.33
30.07
27.81
25.45
27.63
25.44
25.88
28.20
28.88
29.42
7.31
28.20
28.01
30
1.031
Shares (diluted)B
0.825
0.835
0.792
0.784
0.787
0.724
0.658
0.587
0.532
0.531
1.083
(7.56%)
(5.37%)
82
4.07
Buyback yield%
26.26
29.22
30.89
31.52
28.70
27.42
27.73
25.78
26.38
26.25
12.88
26.38
27.58
67
68.98
Eq/Assets%
20.67
23.81
25.47
28.89
33.82
38.96
38.25
40.33
40.23
45.20
61.91
40.23
36.03
92
6.658
Assets$B
6.833
7.804
8.282
8.951
10.23
11.00
12.12
13.30
14.87
16.17
2.091
9.59%
9.66%
74
2.266
LT debt$B
1.313
1.275
1.145
1.140
1.048
0.996
0.969
1.008
0.853
0.721
1.365
(7.22%)
(5.21%)
15
Total assets
$16.17B
9.66%
1.70×
Revenue
$4.938B
4.01%
1.00×
Non-interest expense
$2.951B
3.88%
0.99×
Net interest income
75.88%
Non-interest income
24.12%
Spread over hurdle
13.82%