705.7
Revenue$M
585.8
614.3
642.5
665.1
693.3
722.4
745.1
768.3
819.5
843.9
735.3
4.01%
4.14%
39
8.95
Revenue growth%
24.72
23.07
25.97
23.44
22.75
24.83
25.87
28.36
28.68
26.06
17.44
26.06
25.35
90
16.88
NIM%
21.85
19.37
18.13
18.36
19.32
21.31
23.34
21.54
20.02
18.67
29.85
21.31
19.70
46
24.92
Effic. R.%
3.77
6.29
3.52
5.83
6.20
7.40
9.38
11.42
9.47
10.38
19.40
9.47
6.85
38
24.23
Net margin%
9.85
11.90
12.83
10.98
10.91
13.69
13.48
12.14
11.79
11.46
22.98
12.14
11.85
54
6.777
P/E ratio (avg)x
10.48
10.08
8.838
9.712
8.472
8.230
7.194
7.035
6.476
6.924
18.51
7.035
8.351
59
32.23
P/TBVx
31.65
30.67
30.82
31.18
33.64
33.16
36.88
40.38
45.10
45.41
18.79
40.38
33.40
69
13.54
P/Bx
8.100
8.565
7.682
8.525
7.768
8.495
7.826
8.637
9.294
8.772
37.69
8.637
8.510
22
0.323
NII$B
0.388
0.404
0.422
0.434
0.448
0.470
0.484
0.507
0.541
0.556
1.156
4.41%
4.38%
—
3.26
NII grth%
24.29
25.89
24.08
23.92
22.81
20.76
18.62
17.16
18.35
18.41
2.35
18.41
21.78
27
5.99
ROTE%
7.60
9.86
8.81
8.13
10.40
8.11
10.27
8.05
7.19
9.99
7.70
8.11
8.47
35
5.24
Return on equity%
25.07
26.57
27.68
27.88
25.88
27.36
25.27
23.52
25.28
23.89
2.61
25.27
25.58
48
23.51
Return on assets%
30.23
30.11
32.80
34.15
35.67
35.40
36.60
33.99
36.14
36.40
12.57
36.14
34.78
25
4.85
EPS$
7.57
8.14
8.07
8.13
8.15
7.79
7.84
8.78
10.15
10.46
5.31
5.13%
2.86%
—
22.96
EPS growth%
7.10
5.67
7.49
8.42
10.33
8.84
7.72
6.00
7.29
6.01
11.69
7.29
7.39
64
5.73
Bookvalue per sh$
7.65
7.71
8.48
8.53
9.20
9.54
10.17
11.41
11.14
11.82
6.29
5.16%
3.73%
—
3.55
TBV/sh$
7.29
7.58
7.01
7.87
8.09
8.96
8.46
7.93
8.73
9.54
4.33
3.35%
3.55%
—
1.82
Dividend per sh$
1.69
1.60
1.67
1.87
2.12
2.07
2.27
2.43
2.79
2.74
1.47
5.30%
5.89%
—
9.59
Div yield (avg)%
28.57
30.94
33.65
31.42
31.47
33.43
34.96
37.12
39.61
40.40
11.76
37.12
33.54
84
18.45
Payout ratio%
15.57
17.29
14.93
15.27
18.16
19.65
19.92
16.92
18.86
16.79
5.68
18.86
17.11
73
119.7
Shares (diluted)M
181.6
197.2
223.9
221.1
214.5
238.5
258.2
290.9
337.2
355.6
117.3
10.64%
7.52%
17
7.08
Buyback yield%
17.19
19.55
20.75
21.61
20.60
22.93
23.17
21.54
19.66
22.31
27.07
22.31
21.14
43
90.77
Eq/Assets%
128.26
129.55
136.68
145.35
128.11
116.73
126.43
119.15
103.91
91.79
11.93
116.73
127.27
81
1.073
Assets$B
1.457
1.498
1.686
1.782
1.934
2.026
2.162
2.251
2.578
2.804
0.478
7.71%
7.74%
35
0.526
LT debt$B
0.394
0.361
0.369
0.320
0.289
0.296
0.274
0.288
0.263
0.253
1.069
(2.59%)
(5.02%)
8
Total assets
$2.804B
7.74%
1.40×
Revenue
$843.9M
4.14%
1.00×
Non-interest expense
$441.7M
3.88%
0.98×
Net interest income
65.87%
Non-interest income
34.13%
Spread over hurdle
29.87%