80.03
Revenue$M
767.0
761.4
749.5
758.9
754.0
763.9
787.5
778.2
804.2
801.1
84.49
1.22%
0.39%
8
18.14
Revenue growth%
15.57
13.39
14.07
11.19
9.88
11.94
10.23
10.69
10.26
11.10
9.54
10.69
11.15
38
8.74
NIM%
11.48
13.60
12.95
13.96
12.30
14.04
13.53
15.40
17.31
20.22
14.51
15.40
13.78
70
15.22
Effic. R.%
10.15
11.01
10.49
7.57
5.17
5.38
6.49
7.96
7.46
5.82
23.40
6.49
7.51
81
27.27
Net margin%
22.35
24.39
23.40
25.72
26.87
27.91
27.36
27.01
28.61
27.60
4.31
27.60
26.94
83
37.74
P/E ratio (avg)x
5.564
5.583
5.590
5.214
4.854
4.489
4.674
4.976
5.415
5.151
37.13
4.976
5.182
6
24.27
P/TBVx
23.81
25.86
23.64
22.70
21.42
24.31
23.22
25.11
27.40
27.73
33.03
25.11
24.06
93
30.23
P/Bx
5.772
5.166
4.448
4.245
3.873
4.149
4.404
4.671
4.096
4.229
32.26
4.229
4.324
73
218.1
NII$M
434.3
425.8
424.4
433.9
424.5
425.1
439.7
443.6
449.6
458.2
105.9
1.54%
0.65%
—
26.11
NII grth%
16.76
14.61
12.64
12.14
11.56
11.28
8.72
6.19
8.03
8.11
10.35
8.11
11.42
11
24.59
ROTE%
17.83
19.19
17.54
17.91
18.58
16.66
15.15
16.49
15.37
12.63
29.95
15.37
17.10
83
8.07
Return on equity%
26.88
25.11
23.89
24.21
26.33
23.65
21.28
21.59
21.69
22.58
22.61
21.69
23.77
70
20.15
Return on assets%
18.96
18.87
19.29
20.62
19.12
16.75
18.24
19.55
22.18
24.53
29.27
19.55
19.20
53
1.82
EPS$
0.80
0.84
0.78
0.73
0.65
0.64
0.67
0.58
0.57
0.56
2.00
(2.99%)
(4.09%)
—
18.00
EPS growth%
0.40
1.52
1.72
3.15
1.02
1.93
0.40
0.40
0.40
0.40
28.02
0.40
0.71
74
1.20
Bookvalue per sh$
1.55
1.65
1.63
1.88
2.16
2.28
2.35
2.65
3.07
3.20
1.75
8.17%
9.37%
—
2.00
TBV/sh$
1.37
1.47
1.60
1.56
1.46
1.41
1.38
1.26
1.42
1.51
1.43
0.73%
1.53%
—
1.64
Dividend per sh$
2.45
2.29
2.26
2.09
2.21
2.11
2.41
2.64
2.49
2.58
0.81
3.11%
0.48%
—
10.33
Div yield (avg)%
16.21
17.16
15.19
13.79
14.49
12.10
10.18
9.96
8.03
8.81
5.96
9.96
12.95
95
14.91
Payout ratio%
7.50
8.75
6.07
8.29
7.46
7.46
6.61
8.29
8.27
7.96
10.50
7.96
7.73
37
129.2
Shares (diluted)M
143.4
160.2
165.5
167.8
176.2
165.6
191.4
198.6
217.8
216.6
131.4
4.22%
4.91%
26
6.57
Buyback yield%
12.15
9.25
7.89
10.71
12.81
12.29
15.26
16.99
19.02
16.90
28.14
16.90
12.55
21
172.53
Eq/Assets%
74.58
79.94
89.60
80.97
86.66
96.43
105.50
97.05
97.20
98.13
67.44
97.20
93.02
59
562.2
Assets$M
326.5
365.9
406.6
445.0
476.0
523.4
581.6
614.5
645.0
703.4
514.9
8.12%
9.40%
81
236.6
LT debt$M
431.2
488.5
532.1
603.0
683.8
678.4
798.0
832.2
849.3
918.9
497.8
6.09%
8.45%
34
Total assets
$703.4M
9.40%
2.36×
Revenue
$801.1M
0.39%
1.00×
Non-interest expense
$368.3M
0.25%
0.99×
Net interest income
57.20%
Non-interest income
42.80%
Return on capital
137.17%