6.318
Revenue¥B
5.476
5.606
5.708
5.911
6.023
6.329
6.580
6.863
7.068
7.384
6.676
4.16%
3.16%
66
5.40
Revenue growth%
20.29
20.79
19.42
18.51
20.22
23.14
20.36
21.07
22.85
24.88
25.22
22.85
20.57
16
26.61
NIM%
11.59
11.50
13.89
12.65
12.04
10.49
7.88
5.56
3.12
1.66
4.74
5.56
11.00
72
26.36
Effic. R.%
24.16
22.92
24.41
22.62
23.79
22.82
21.68
19.26
18.19
17.90
12.64
19.26
22.72
63
13.20
Net margin%
15.67
17.14
17.07
15.98
17.42
16.40
18.92
18.93
21.33
21.38
10.98
18.93
17.28
22
20.68
P/E ratio (avg)x
23.82
23.59
23.22
22.18
22.38
23.87
24.77
22.80
21.70
19.53
29.95
22.80
23.01
23
10.78
P/TBVx
10.27
10.19
9.278
9.184
8.739
8.559
9.116
9.075
8.828
9.267
22.54
9.075
9.150
78
26.68
P/Bx
14.74
13.65
13.87
15.34
15.94
15.38
13.50
15.01
15.93
14.99
27.02
15.01
15.00
54
1.415
NII¥B
3.326
3.359
3.502
3.540
3.681
3.819
3.922
4.158
4.277
4.423
4.334
3.74%
3.21%
—
14.21
NII grth%
21.57
20.36
21.35
23.93
25.49
27.52
25.58
25.31
23.45
20.98
19.48
25.31
23.69
18
16.91
ROTE%
16.85
18.87
18.99
20.15
21.73
24.55
25.37
26.35
25.38
27.67
19.62
25.38
23.14
27
15.36
Return on equity%
20.00
21.62
20.17
22.70
21.19
22.00
19.29
18.06
16.72
18.76
28.01
18.76
20.08
22
15.52
Return on assets%
22.40
19.42
16.70
13.75
10.92
8.46
9.68
7.05
4.45
6.66
29.25
7.05
10.30
36
1.16
EPS¥
0.79
0.76
0.79
0.73
0.76
0.66
0.72
0.78
0.79
0.73
1.22
(0.90%)
(0.64%)
—
22.52
EPS growth%
20.71
18.66
16.84
17.88
19.62
21.76
23.52
22.94
21.56
20.77
10.88
21.76
20.74
47
1.18
Bookvalue per sh¥
2.01
2.17
2.52
2.56
2.82
3.30
3.73
4.07
4.63
4.50
0.92
9.81%
9.72%
—
0.68
TBV/sh¥
0.34
0.33
0.36
0.32
0.30
0.26
0.28
0.28
0.26
0.28
0.44
(1.41%)
(1.15%)
—
0.41
Dividend per sh¥
0.64
0.63
0.67
0.71
0.76
0.69
0.76
0.79
0.84
0.90
0.91
3.50%
3.30%
—
16.71
Div yield (avg)%
20.73
19.95
18.45
16.94
18.37
18.76
18.05
17.73
19.99
20.17
16.65
18.76
18.60
33
29.70
Payout ratio%
22.50
21.04
18.66
20.10
20.86
19.28
19.79
20.81
20.88
19.47
20.15
19.79
20.46
44
3.604
Shares (diluted)B
3.070
2.680
2.846
2.819
2.869
2.683
2.672
2.494
2.288
2.406
3.589
(3.46%)
(2.60%)
73
11.35
Buyback yield%
1.90
0.40
0.40
1.03
0.40
2.48
2.95
0.67
2.38
0.40
15.99
2.38
0.85
25
103.80
Eq/Assets%
42.21
44.04
41.74
44.50
47.72
53.83
51.39
49.48
47.69
51.13
104.20
51.13
47.71
86
6.115
Assets¥B
16.96
18.45
20.28
22.14
23.14
24.21
26.99
27.90
30.97
34.09
2.899
8.06%
8.28%
11
4.891
LT debt¥B
9.851
11.07
12.21
12.10
13.96
15.67
17.23
17.60
21.02
22.25
3.222
9.78%
9.44%
30
Total assets
¥34.09B
8.28%
1.62×
Revenue
¥7.384B
3.16%
1.00×
Non-interest expense
¥3.338B
3.10%
0.99×
Net interest income
59.90%
Non-interest income
40.10%
Spread over hurdle
21.82%