2.408
Revenue$B
2.166
2.226
2.208
2.228
2.234
2.236
2.266
2.310
2.334
2.310
2.484
0.67%
0.63%
61
8.44
Revenue growth%
29.70
31.69
32.10
31.12
30.85
31.43
31.71
30.55
31.14
33.34
19.12
31.43
31.29
83
21.23
NIM%
28.01
28.11
25.64
28.52
29.68
29.76
28.67
26.37
24.11
23.66
28.57
26.37
28.06
40
16.80
Effic. R.%
8.66
9.20
8.73
10.00
8.61
6.21
7.01
5.10
7.57
10.33
18.20
7.01
8.64
85
20.32
Net margin%
12.83
14.84
17.12
16.29
13.30
16.29
14.22
17.07
19.76
17.18
14.19
17.07
16.29
10
26.00
P/E ratio (avg)x
8.214
8.065
9.177
9.710
9.463
9.895
10.85
11.81
12.84
12.11
20.52
11.81
9.802
84
7.933
P/TBVx
11.35
11.05
12.08
11.21
11.47
12.37
12.34
11.95
13.43
12.41
31.60
12.37
12.01
66
11.57
P/Bx
23.43
20.57
21.46
21.45
19.03
19.14
19.74
19.76
20.33
18.95
29.67
19.74
20.04
38
1.908
NII$B
1.360
1.388
1.372
1.373
1.403
1.398
1.406
1.424
1.471
1.424
2.897
0.30%
0.59%
—
9.45
NII grth%
28.38
31.23
30.09
30.72
32.77
30.04
27.70
27.51
30.49
33.41
22.71
30.04
30.29
8
19.90
ROTE%
4.47
3.75
5.79
7.58
5.89
7.38
8.43
8.11
10.24
12.22
28.59
8.43
7.48
61
3.86
Return on equity%
20.57
18.71
21.37
19.11
20.78
22.01
21.14
23.51
24.64
23.00
7.85
23.00
21.25
62
19.15
Return on assets%
33.01
33.63
33.12
34.83
33.50
32.95
34.22
34.96
33.65
32.59
3.08
33.65
33.56
92
19.47
EPS$
29.02
30.29
33.43
31.82
29.87
33.74
34.46
33.92
35.09
35.37
20.88
3.44%
2.05%
—
28.98
EPS growth%
23.55
21.17
19.77
18.59
16.09
18.98
21.84
21.96
24.71
25.44
29.53
21.96
21.51
40
14.90
Bookvalue per sh$
13.18
12.74
13.24
12.91
11.28
10.63
10.42
11.53
12.57
13.36
7.92
3.45%
(0.09%)
—
7.58
TBV/sh$
20.22
23.65
23.80
27.29
28.84
33.21
35.14
34.87
36.07
35.79
8.08
4.41%
6.09%
—
9.84
Dividend per sh$
6.51
6.17
6.75
6.23
5.57
5.43
5.93
6.05
5.34
5.85
13.62
0.96%
(1.82%)
—
21.62
Div yield (avg)%
19.11
16.65
15.18
15.10
13.91
12.99
13.18
10.57
8.27
6.64
17.78
10.57
13.54
68
9.95
Payout ratio%
8.36
8.62
10.90
10.75
11.92
10.36
11.24
14.18
16.76
17.98
2.30
14.18
11.07
66
154.8
Shares (diluted)M
154.7
159.1
139.7
148.5
160.2
155.9
147.0
131.5
127.3
116.3
154.8
(6.21%)
(1.91%)
38
25.73
Buyback yield%
10.84
13.35
11.98
11.38
8.52
9.84
10.57
10.82
9.21
9.57
12.19
9.84
10.69
25
92.64
Eq/Assets%
167.60
187.35
199.04
215.75
251.00
287.64
294.82
294.58
315.91
315.44
52.58
294.82
269.32
32
2.487
Assets$B
1.565
1.618
1.750
1.955
2.112
2.263
2.524
2.803
2.939
3.192
1.879
8.62%
8.32%
32
0.230
LT debt$B
3.131
3.046
3.557
3.821
3.880
3.993
4.427
4.618
5.283
5.688
0.161
7.95%
6.00%
47
Total assets
$3.192B
8.32%
2.09×
Revenue
$2.310B
0.63%
1.00×
Non-interest expense
$1.249B
0.51%
0.99×
Net interest income
61.65%
Non-interest income
38.35%
Spread over hurdle
64.62%