0.536
Revenue$B
0.950
1.013
1.096
1.175
1.283
1.380
1.469
1.578
1.691
1.842
0.566
7.50%
7.65%
18
15.04
Revenue growth%
10.14
7.88
5.95
4.00
2.80
1.58
4.35
6.48
5.16
6.77
5.39
5.16
5.56
33
20.87
NIM%
7.74
7.49
5.23
6.36
3.77
6.61
9.52
11.25
10.45
11.24
9.93
10.45
7.62
92
8.44
Effic. R.%
3.75
3.69
3.43
1.54
3.32
3.15
2.41
3.12
2.77
2.10
3.74
2.77
3.14
36
20.53
Net margin%
26.96
28.21
25.22
27.61
26.52
27.14
30.06
28.74
28.92
31.67
7.92
28.92
27.91
90
11.82
P/E ratio (avg)x
27.25
24.93
23.85
22.11
23.19
20.46
21.33
21.45
21.14
21.20
26.00
21.20
21.78
38
14.76
P/TBVx
32.14
28.66
30.13
27.49
28.89
28.52
28.03
29.01
28.94
27.97
28.69
28.52
28.78
78
23.13
P/Bx
7.877
7.712
7.356
7.424
7.342
8.204
7.850
8.425
8.638
9.572
15.17
8.425
7.863
23
1.354
NII$B
0.749
0.794
0.874
0.932
1.021
1.102
1.168
1.237
1.338
1.463
1.045
7.47%
7.60%
—
29.47
NII grth%
26.73
29.11
27.97
27.62
30.13
29.34
27.35
25.07
26.20
24.68
24.28
26.20
27.48
45
7.70
ROTE%
29.26
27.95
29.99
29.19
30.14
28.63
25.91
24.89
27.37
29.04
5.79
27.37
28.83
82
24.61
Return on equity%
12.64
14.17
16.33
18.41
16.89
14.05
13.13
16.02
15.43
16.63
22.98
15.43
15.72
50
2.35
Return on assets%
4.76
7.74
7.36
10.10
8.01
7.84
7.81
10.37
8.10
7.57
6.32
7.84
7.82
93
12.01
EPS$
17.55
17.18
16.90
17.84
21.24
22.46
23.81
23.07
22.46
22.30
13.11
0.98%
3.93%
—
8.08
EPS growth%
0.40
0.40
0.76
2.78
2.22
1.82
3.59
5.21
4.59
7.41
24.39
4.59
2.50
85
2.31
Bookvalue per sh$
2.49
2.33
2.23
2.39
2.43
2.21
2.37
2.43
2.65
2.54
2.08
0.91%
1.54%
—
11.92
TBV/sh$
12.27
13.46
14.98
14.80
13.87
15.68
15.62
17.61
19.86
21.80
13.52
9.48%
5.61%
—
7.49
Dividend per sh$
13.39
12.75
12.64
14.51
15.92
17.62
19.66
22.20
21.14
23.24
13.13
7.85%
5.46%
—
10.55
Div yield (avg)%
24.62
22.85
20.33
20.86
21.62
23.63
22.90
24.96
27.38
25.99
11.70
24.96
23.27
21
15.72
Payout ratio%
31.40
34.26
32.96
35.96
34.00
36.95
37.48
35.62
36.47
39.36
21.64
36.95
35.79
35
97.23
Shares (diluted)M
82.43
79.55
68.40
70.36
75.51
65.76
67.61
61.54
63.74
62.40
94.35
(3.74%)
(2.34%)
47
15.72
Buyback yield%
13.93
12.58
10.97
8.68
6.91
5.23
5.55
8.30
7.04
9.24
17.23
7.04
8.49
72
179.31
Eq/Assets%
258.70
266.67
256.52
254.46
255.50
302.81
323.55
358.66
397.53
395.24
128.57
358.66
284.74
10
0.143
Assets$B
6.301
7.031
7.507
8.235
8.974
9.496
10.78
11.22
12.19
12.80
1.035
7.35%
8.20%
17
1.574
LT debt$B
2.448
2.575
2.763
3.247
3.470
3.619
4.095
4.178
4.616
5.320
1.328
8.92%
8.84%
59
Total assets
$12.80B
8.20%
1.05×
Revenue
$1.842B
7.65%
1.00×
Non-interest expense
$1.119B
7.85%
1.02×
Net interest income
79.45%
Non-interest income
20.55%