58.24
Revenue$M
176.3
190.0
201.3
220.5
235.7
259.4
282.2
301.5
320.7
349.7
62.33
8.21%
7.80%
48
12.24
Revenue growth%
5.98
4.24
6.65
6.64
5.11
2.51
5.15
7.24
8.77
7.65
13.99
7.24
6.31
29
24.03
NIM%
25.89
26.64
23.65
25.37
24.46
23.03
24.53
26.36
29.18
27.39
8.77
26.36
25.63
22
20.16
Effic. R.%
27.16
27.86
27.54
29.65
31.58
30.74
31.21
32.14
34.81
32.48
7.36
32.14
30.98
69
9.34
Net margin%
13.28
15.01
14.54
16.24
13.39
14.58
14.66
14.26
16.59
14.15
26.23
14.58
14.56
21
31.84
P/E ratio (avg)x
17.82
18.37
17.20
17.12
19.72
19.54
19.03
18.20
18.41
19.64
11.56
19.03
18.39
90
16.53
P/TBVx
18.88
18.82
18.43
22.04
25.74
28.40
27.37
29.48
35.00
38.52
23.59
29.48
26.55
54
15.50
P/Bx
31.06
28.50
29.59
27.11
29.46
31.11
34.13
36.49
38.11
36.85
31.81
36.49
31.08
73
360.9
NII$M
108.0
119.1
125.2
135.8
145.8
159.1
173.3
190.5
198.4
215.5
127.5
8.13%
7.76%
—
3.00
NII grth%
4.02
1.19
0.98
0.40
0.40
1.74
4.46
6.21
5.36
2.48
19.12
4.46
2.11
57
27.58
ROTE%
6.14
3.76
2.55
3.52
4.58
6.20
8.73
7.50
7.41
9.47
16.27
7.50
6.17
40
14.05
Return on equity%
5.93
8.76
8.08
10.79
10.61
11.28
9.68
8.53
6.85
8.28
6.39
8.53
8.64
66
9.42
Return on assets%
15.70
14.97
14.46
16.00
16.47
19.16
17.52
17.02
15.62
13.23
2.37
17.02
15.85
79
1.31
EPS$
0.95
0.99
1.04
1.13
1.24
1.20
1.32
1.33
1.40
1.31
1.36
1.15%
3.28%
—
17.34
EPS growth%
13.94
12.91
14.65
14.67
13.24
14.80
14.63
16.18
17.69
19.08
18.21
16.18
14.66
34
6.45
Bookvalue per sh$
7.53
7.38
8.52
8.91
10.01
9.57
10.50
12.06
13.46
14.38
3.43
7.51%
8.31%
—
5.67
TBV/sh$
7.05
7.89
7.73
8.96
9.37
8.75
9.44
10.37
11.20
11.82
1.90
4.76%
5.34%
—
4.26
Dividend per sh$
2.41
2.37
2.27
2.52
2.43
2.38
2.20
2.05
2.17
2.24
4.87
(1.63%)
(1.01%)
—
3.15
Div yield (avg)%
3.31
4.85
3.42
1.33
0.95
1.15
0.85
0.40
0.40
2.84
13.30
0.85
1.24
75
2.37
Payout ratio%
1.98
4.32
3.70
2.77
4.53
4.86
2.28
4.52
3.84
3.54
15.03
3.84
3.77
8
24.43
Shares (diluted)M
24.88
25.46
22.82
20.99
22.40
19.53
18.03
17.85
16.15
15.53
24.44
(7.06%)
(3.75%)
29
26.70
Buyback yield%
8.22
7.14
5.67
3.12
6.06
6.41
7.72
6.92
5.29
4.56
18.93
6.41
6.23
47
20.62
Eq/Assets%
101.74
110.39
113.24
119.52
127.27
113.90
103.55
112.87
117.54
110.96
109.91
112.87
113.06
80
0.139
Assets$B
1.118
1.240
1.332
1.422
1.568
1.721
1.815
1.904
2.080
2.212
0.054
7.12%
7.44%
30
189.2
LT debt$M
435.3
444.5
459.7
435.8
445.8
454.8
517.4
549.1
606.5
680.4
130.8
8.83%
5.90%
69
Total assets
$2.212B
7.44%
0.97×
Revenue
$349.7M
7.80%
1.00×
Non-interest expense
$218.7M
7.77%
1.00×
Net interest income
61.63%
Non-interest income
38.37%