525.2
Revenue$M
429.2
449.7
468.2
473.2
482.8
508.2
521.9
541.0
566.7
599.1
577.3
4.41%
3.50%
90
21.18
Revenue growth%
11.05
12.38
15.11
16.68
18.45
18.64
16.07
18.60
18.44
18.94
17.64
18.60
17.56
93
18.28
NIM%
10.35
10.55
13.54
16.46
14.15
13.60
13.33
16.03
18.16
20.35
20.29
16.03
13.88
78
21.85
Effic. R.%
17.97
19.52
21.95
21.02
20.34
21.94
23.17
23.66
21.26
22.19
7.73
22.19
21.60
63
2.42
Net margin%
11.78
12.40
11.27
13.59
13.86
16.47
15.90
13.66
13.87
11.13
7.78
13.87
13.63
27
30.39
P/E ratio (avg)x
27.07
27.70
29.78
28.88
29.28
28.27
25.04
25.82
25.83
26.45
15.52
25.83
27.39
35
26.84
P/TBVx
39.08
41.88
49.47
57.96
58.45
60.00
62.58
66.75
64.25
73.31
30.98
64.25
59.23
83
34.77
P/Bx
45.28
51.31
48.12
43.94
49.10
51.85
58.64
66.81
60.84
68.19
27.61
60.84
51.58
32
91.73
NII$M
268.7
285.7
293.5
297.3
300.1
321.0
329.1
343.4
361.9
379.3
452.8
4.80%
3.40%
—
18.85
NII grth%
27.14
26.84
29.43
31.86
31.72
31.97
32.67
29.74
28.10
29.16
14.45
29.74
29.59
37
4.17
ROTE%
5.47
7.15
5.88
5.18
3.27
4.17
7.06
7.31
7.13
4.63
13.57
7.06
5.68
61
27.80
Return on equity%
18.52
18.88
19.25
16.59
17.23
16.75
17.25
15.01
12.78
14.68
29.88
15.01
16.99
84
13.30
Return on assets%
16.73
15.70
18.32
18.62
17.38
18.95
19.28
18.55
18.44
20.73
21.00
18.95
18.49
57
5.50
EPS$
1.32
1.32
1.22
1.28
1.18
1.19
1.23
1.13
1.15
1.01
5.73
(3.17%)
(3.65%)
—
19.20
EPS growth%
4.50
5.20
7.14
5.20
6.40
7.23
5.25
5.07
6.40
3.60
22.97
5.25
5.23
58
3.06
Bookvalue per sh$
7.93
7.35
8.23
8.96
8.81
8.72
10.00
11.41
10.82
12.04
3.38
6.45%
5.31%
—
7.48
TBV/sh$
9.45
10.26
9.84
9.20
8.87
9.03
8.63
9.09
9.13
9.69
3.22
1.78%
0.70%
—
5.32
Dividend per sh$
1.22
1.31
1.38
1.49
1.30
1.25
1.21
1.28
1.11
1.13
4.43
(2.71%)
(0.30%)
—
12.87
Div yield (avg)%
24.46
25.99
27.66
26.07
26.25
28.59
29.27
27.51
26.68
24.34
15.22
27.51
26.47
17
7.35
Payout ratio%
18.73
18.62
18.78
21.39
18.59
17.45
20.39
18.78
18.00
16.04
8.41
18.00
18.67
11
51.37
Shares (diluted)M
39.29
34.94
33.86
32.19
32.25
32.64
33.72
31.60
31.87
28.41
52.69
(2.50%)
(3.13%)
44
9.60
Buyback yield%
21.97
24.68
24.54
24.86
23.29
24.80
23.61
22.74
23.23
21.96
4.29
23.23
23.45
30
25.45
Eq/Assets%
147.57
147.96
163.16
158.89
153.63
169.40
189.40
180.77
181.05
179.95
98.31
180.77
166.28
52
0.186
Assets$B
0.511
0.569
0.630
0.651
0.725
0.800
0.860
0.902
0.974
1.018
0.184
7.02%
8.34%
11
0.582
LT debt$B
0.790
0.882
0.893
0.932
0.868
0.950
0.913
0.990
1.084
0.987
0.225
2.60%
1.79%
86
Total assets
$1.018B
8.34%
1.58×
Revenue
$599.1M
3.50%
1.00×
Non-interest expense
$330.0M
3.50%
1.00×
Net interest income
63.31%
Non-interest income
36.69%