3.650
Revenue$B
2.664
2.810
2.870
3.007
3.052
3.244
3.378
3.457
3.676
3.777
3.828
4.35%
4.01%
84
6.53
Revenue growth%
10.70
13.02
13.87
13.50
14.14
15.59
14.06
13.79
13.80
12.71
28.03
13.80
13.79
15
20.02
NIM%
17.45
16.18
16.01
14.20
12.13
9.75
11.90
11.14
12.36
13.08
9.91
11.90
12.72
19
7.85
Effic. R.%
8.55
7.03
7.53
4.78
3.22
5.00
7.17
9.91
12.46
15.03
29.89
9.91
7.35
17
8.30
Net margin%
18.55
18.46
17.22
15.80
14.27
11.72
12.30
11.06
10.11
9.27
20.35
11.06
13.29
49
36.97
P/E ratio (avg)x
32.45
37.11
37.71
37.00
37.71
39.19
44.25
44.47
43.93
45.31
36.83
44.25
38.45
65
29.46
P/TBVx
40.26
39.09
40.60
39.61
37.90
37.21
38.56
43.99
42.98
50.06
20.94
42.98
39.94
85
31.05
P/Bx
10.97
12.58
14.81
17.17
18.80
20.66
20.60
21.16
24.37
26.65
37.45
21.16
19.70
74
3.631
NII$B
1.868
1.978
2.033
2.118
2.168
2.291
2.391
2.455
2.606
2.671
1.005
4.26%
4.18%
—
13.75
NII grth%
3.98
3.15
3.71
1.82
3.77
4.94
6.45
6.86
8.08
5.18
27.70
6.45
4.46
81
2.83
ROTE%
4.96
2.06
1.93
0.40
0.40
0.47
0.40
1.54
0.40
1.63
17.97
0.47
1.00
21
2.93
Return on equity%
7.93
5.88
8.17
10.80
11.96
10.65
11.66
13.52
15.93
12.96
24.39
12.96
11.23
88
17.37
Return on assets%
3.14
3.64
1.04
0.40
2.35
0.40
0.40
0.64
0.40
3.30
8.44
0.40
0.84
22
2.08
EPS$
2.07
2.21
2.34
2.08
1.86
2.03
2.08
2.12
2.07
2.19
2.21
3.38%
(0.53%)
—
5.94
EPS growth%
17.94
14.98
13.84
12.21
12.95
13.50
11.19
10.46
10.08
11.33
11.61
11.19
12.58
27
4.67
Bookvalue per sh$
4.35
4.90
5.64
6.40
7.66
8.61
8.63
9.70
10.02
11.58
1.90
8.61%
10.59%
—
1.89
TBV/sh$
3.64
3.15
3.24
3.17
2.87
2.94
2.83
2.98
2.78
2.42
5.04
(3.36%)
(4.44%)
—
4.36
Dividend per sh$
3.87
4.45
5.24
6.05
6.09
6.57
7.23
7.62
7.44
8.53
2.53
6.96%
9.56%
—
18.07
Div yield (avg)%
26.10
23.87
23.75
24.46
22.94
21.05
21.56
20.62
21.56
20.40
17.80
21.05
22.25
19
3.68
Payout ratio%
25.90
24.43
24.04
22.10
21.34
19.92
22.48
19.66
20.11
20.46
23.25
20.11
21.72
25
830.0
Shares (diluted)M
986.9
894.5
962.7
931.5
999.1
991.0
965.3
945.7
952.8
913.4
831.0
(1.78%)
(0.88%)
82
12.67
Buyback yield%
20.01
17.22
19.00
17.66
19.89
21.90
20.21
18.77
16.40
17.11
10.85
18.77
18.89
11
82.60
Eq/Assets%
78.30
85.22
86.68
87.22
91.59
102.20
114.62
120.56
113.23
103.43
162.10
113.23
96.90
12
1.925
Assets$B
1.694
1.815
1.942
2.153
2.234
2.340
2.562
2.805
3.013
3.198
3.072
7.43%
7.39%
29
3.184
LT debt$B
1.880
1.741
1.863
2.043
2.103
2.136
2.186
2.360
2.370
2.037
3.078
(0.64%)
(0.05%)
55
Total assets
$3.198B
7.39%
1.38×
Revenue
$3.777B
4.01%
1.00×
Non-interest expense
$1.827B
4.18%
1.02×
Net interest income
70.72%
Non-interest income
29.28%
Return on capital
149.76%
Spread over hurdle
142.15%