2.239
Revenue$B
2.718
2.872
3.050
3.311
3.468
3.606
3.778
4.057
4.224
4.453
2.324
5.13%
5.75%
27
29.34
Revenue growth%
24.68
22.22
19.79
21.00
18.60
16.98
15.64
15.54
15.69
13.35
8.26
15.64
17.79
68
27.96
NIM%
4.20
4.06
1.38
2.83
4.45
6.93
4.38
4.93
2.14
1.91
17.87
4.38
4.13
89
19.77
Effic. R.%
24.84
25.10
23.92
21.02
20.86
20.57
18.22
20.80
20.59
22.30
5.21
20.59
20.94
28
5.46
Net margin%
6.05
4.61
1.77
4.27
4.42
3.05
1.39
2.82
0.54
2.52
29.18
2.52
2.94
53
26.71
P/E ratio (avg)x
26.01
27.45
24.98
25.64
22.39
22.05
22.12
21.07
22.62
20.73
6.827
22.05
22.50
23
25.12
P/TBVx
28.92
29.05
27.51
26.61
25.11
26.33
30.01
28.88
28.47
30.38
13.24
28.88
28.68
75
6.824
P/Bx
26.38
29.10
27.19
27.52
29.49
31.80
33.83
34.10
34.66
33.41
20.59
33.83
30.65
23
2.092
NII$B
1.957
2.047
2.189
2.361
2.494
2.547
2.698
2.868
2.995
3.150
2.582
4.78%
5.62%
—
22.11
NII grth%
16.40
17.81
15.56
14.93
13.61
11.63
12.01
12.51
13.65
12.21
23.77
12.21
13.63
39
8.60
ROTE%
4.45
5.79
7.83
10.46
10.67
9.21
6.45
8.56
5.61
4.50
17.95
6.45
7.14
27
21.85
Return on equity%
31.66
30.56
32.71
35.32
34.35
31.37
29.71
27.35
25.33
25.60
24.73
27.35
30.97
11
25.81
Return on assets%
7.11
9.60
6.60
4.17
3.62
5.30
5.04
5.45
5.80
5.96
7.78
5.45
5.63
70
6.62
EPS$
3.91
4.45
4.33
4.52
4.43
4.62
4.50
4.88
4.46
4.61
7.20
0.83%
2.88%
—
11.64
EPS growth%
24.98
24.38
25.26
26.84
25.67
24.31
27.06
26.71
26.13
25.12
5.82
26.13
25.46
8
6.06
Bookvalue per sh$
4.11
4.07
4.26
4.35
4.48
5.18
4.84
5.04
5.12
4.81
6.47
1.42%
1.51%
—
2.43
TBV/sh$
3.15
2.70
2.74
2.40
2.59
2.46
2.26
2.09
1.99
1.73
4.50
(7.76%)
(6.53%)
—
4.38
Dividend per sh$
3.31
3.44
3.60
3.63
3.45
3.12
3.13
2.83
2.92
2.96
2.91
(3.03%)
(0.02%)
—
14.28
Div yield (avg)%
17.87
17.27
19.91
19.54
17.26
15.64
12.78
12.73
11.13
9.08
11.86
12.73
16.45
56
23.37
Payout ratio%
11.38
10.48
12.44
10.17
9.07
11.95
11.47
11.72
14.62
11.65
23.14
11.72
11.56
12
123.1
Shares (diluted)M
142.9
150.5
167.7
184.9
207.3
205.5
204.1
215.0
231.0
235.5
117.5
2.58%
6.28%
46
26.12
Buyback yield%
14.20
12.95
11.51
13.59
15.10
13.93
12.78
10.05
10.81
7.87
27.90
10.81
12.87
46
58.08
Eq/Assets%
89.97
89.63
106.81
106.27
112.59
132.68
147.37
156.59
172.05
167.24
126.41
156.59
122.64
74
2.378
Assets$B
9.225
10.01
11.21
12.49
13.17
14.38
15.46
17.76
19.67
21.64
3.500
10.45%
9.96%
50
3.316
LT debt$B
1.193
1.354
1.463
1.465
1.721
1.795
2.059
2.344
2.703
3.086
0.486
12.38%
11.22%
75
Total assets
$21.64B
9.96%
1.48×
Revenue
$4.453B
5.75%
1.00×
Non-interest expense
$2.248B
5.73%
1.00×
Net interest income
70.75%
Non-interest income
29.25%