3.896
Revenue¥B
5.704
6.086
6.264
6.448
6.787
7.179
7.460
7.618
7.895
8.430
4.351
4.43%
4.65%
59
18.06
Revenue growth%
10.44
12.25
12.14
13.42
10.62
8.78
8.59
6.24
4.13
6.20
5.26
6.24
9.61
45
6.88
NIM%
31.63
30.99
33.52
30.95
28.28
29.78
31.65
30.89
30.21
28.73
15.88
30.21
30.92
53
18.52
Effic. R.%
14.43
16.70
14.98
14.73
12.77
14.95
12.65
10.03
10.16
9.83
28.27
10.16
13.60
47
7.25
Net margin%
3.67
5.41
6.11
8.55
8.33
11.30
13.76
11.21
13.20
15.94
20.87
13.20
9.88
90
20.23
P/E ratio (avg)x
7.892
8.306
7.760
8.119
9.036
8.070
9.051
9.326
8.811
8.663
17.45
8.811
8.485
86
16.90
P/TBVx
7.115
8.361
9.375
8.844
9.295
9.332
10.17
10.01
9.500
10.25
26.79
10.01
9.354
63
29.94
P/Bx
38.55
43.44
46.75
44.48
44.56
46.73
45.85
49.26
49.56
56.08
33.77
49.26
46.29
60
5.474
NII¥B
3.934
4.143
4.271
4.438
4.682
4.899
5.038
5.165
5.342
5.662
8.315
3.87%
4.39%
—
20.01
NII grth%
25.39
26.61
26.14
26.51
23.53
23.87
25.66
27.35
28.33
25.46
16.31
25.66
25.90
44
21.24
ROTE%
23.30
22.15
19.53
19.67
20.88
23.38
22.49
23.73
21.02
18.89
6.20
22.49
21.58
28
18.88
Return on equity%
30.82
30.19
28.65
25.83
26.55
26.88
26.13
25.11
27.16
27.60
23.88
26.88
27.02
14
7.75
Return on assets%
11.11
12.48
14.49
11.79
14.11
17.10
19.95
22.73
20.01
17.09
21.06
19.95
15.79
60
0.60
EPS¥
0.31
0.29
0.27
0.30
0.32
0.29
0.29
0.29
0.31
0.35
0.63
1.95%
1.98%
—
2.33
EPS growth%
6.25
3.65
4.22
5.97
8.24
10.33
8.12
5.37
3.10
2.75
4.04
5.37
5.67
41
0.45
Bookvalue per sh¥
0.98
0.90
0.89
0.93
0.81
0.73
0.64
0.56
0.49
0.51
0.66
(8.73%)
(6.00%)
—
1.05
TBV/sh¥
0.87
0.84
0.79
0.80
0.71
0.75
0.74
0.75
0.81
0.83
1.25
3.06%
0.29%
—
0.29
Dividend per sh¥
0.21
0.19
0.19
0.17
0.16
0.17
0.14
0.16
0.15
0.15
1.05
(1.70%)
(2.75%)
—
27.82
Div yield (avg)%
5.04
7.95
8.23
10.61
7.67
5.33
6.40
3.63
4.69
5.81
8.59
5.33
6.11
38
15.45
Payout ratio%
20.78
21.96
23.24
23.88
23.77
25.38
27.17
25.22
24.67
24.06
5.63
25.22
23.97
15
6.019
Shares (diluted)B
10.47
10.51
12.10
12.32
14.12
14.19
14.56
15.62
15.89
16.03
6.131
2.57%
5.64%
54
10.26
Buyback yield%
3.82
5.38
5.50
6.05
7.83
6.57
8.81
8.84
10.84
9.48
27.78
8.84
7.20
89
78.95
Eq/Assets%
236.59
277.83
322.96
386.30
401.34
476.48
486.38
482.20
533.95
583.93
75.65
486.38
438.91
22
1.863
Assets¥B
6.729
7.731
8.090
8.875
9.897
10.68
11.64
13.04
13.45
14.11
4.605
7.35%
8.26%
54
6.758
LT debt¥B
7.726
8.717
9.194
9.605
9.332
9.019
9.792
9.348
8.930
10.05
1.458
1.50%
3.26%
47
Total assets
¥14.11B
8.26%
1.40×
Revenue
¥8.430B
4.65%
1.00×
Non-interest expense
¥4.467B
4.57%
0.99×
Net interest income
67.17%
Non-interest income
32.83%