11.82
Revenue¥B
23.07
24.16
25.27
26.47
27.70
29.27
31.80
34.27
36.49
39.68
13.23
7.45%
6.29%
68
11.99
Revenue growth%
38.29
38.21
37.65
38.79
40.33
38.05
36.06
33.55
36.00
33.58
17.04
36.00
37.85
14
11.80
NIM%
28.74
28.56
29.70
28.15
27.44
29.87
28.52
26.87
25.52
26.01
6.16
26.87
28.33
47
14.11
Effic. R.%
30.75
33.24
32.50
35.15
36.13
36.16
38.05
36.34
39.23
36.79
8.61
36.79
36.15
86
13.81
Net margin%
18.20
16.80
14.70
12.50
12.86
12.01
10.18
7.84
7.49
7.97
27.20
7.97
12.25
9
35.35
P/E ratio (avg)x
25.37
24.30
26.20
27.23
29.56
30.15
30.81
29.55
29.54
27.90
35.86
29.55
28.72
73
29.78
P/TBVx
38.70
37.53
36.32
34.26
38.96
40.24
45.90
50.78
54.87
58.21
7.540
50.78
39.60
81
34.72
P/Bx
13.51
13.57
12.48
11.68
11.64
10.93
10.27
9.630
9.008
8.622
22.37
9.630
11.28
67
11.82
NII¥B
17.69
18.43
19.44
20.11
20.94
22.31
24.10
26.20
27.71
30.15
40.32
7.56%
6.41%
—
3.37
NII grth%
4.15
5.48
7.02
8.47
5.95
8.17
7.25
6.26
8.83
7.79
11.96
7.79
7.13
44
5.40
ROTE%
10.98
12.50
11.69
13.98
13.41
11.24
9.00
10.59
12.98
15.58
19.59
11.24
12.10
91
6.29
Return on equity%
20.93
23.80
22.05
19.30
17.54
19.97
20.41
22.63
21.74
23.38
6.47
21.74
21.34
18
6.15
Return on assets%
12.31
9.76
7.09
4.37
2.82
0.63
0.71
1.69
4.19
1.37
12.10
1.37
3.50
72
2.12
EPS¥
1.31
1.35
1.44
1.72
1.89
1.99
2.33
2.63
2.64
2.72
2.25
7.60%
8.14%
—
25.46
EPS growth%
34.33
32.41
30.01
30.83
27.91
27.02
24.47
24.97
27.00
27.82
29.19
27.00
27.87
65
2.50
Bookvalue per sh¥
0.51
0.50
0.53
0.48
0.55
0.56
0.60
0.58
0.63
0.70
2.01
5.07%
3.11%
—
0.46
TBV/sh¥
2.01
1.82
1.63
1.47
1.55
1.56
1.67
1.43
1.42
1.41
1.69
(1.91%)
(3.41%)
—
2.01
Dividend per sh¥
3.10
3.60
3.37
3.30
3.72
3.66
3.44
3.54
4.10
3.93
0.37
1.10%
1.77%
—
20.30
Div yield (avg)%
9.12
11.37
14.36
13.63
10.72
12.18
10.43
11.71
8.90
9.58
8.15
10.43
11.05
24
27.69
Payout ratio%
3.28
2.80
3.16
0.52
0.40
2.03
4.43
5.23
6.79
6.89
5.17
5.23
3.22
24
19.31
Shares (diluted)B
24.12
24.29
22.35
20.59
20.34
22.35
20.64
21.17
21.54
22.09
19.53
1.67%
(1.68%)
84
15.73
Buyback yield%
8.26
8.69
6.60
8.78
10.68
12.51
10.36
11.32
12.65
10.03
4.91
11.32
10.19
91
177.73
Eq/Assets%
120.77
111.42
116.27
106.00
99.50
89.42
80.24
70.64
68.49
61.31
34.10
70.64
94.46
8
2.714
Assets¥B
33.10
35.89
37.70
42.01
44.34
48.37
51.43
56.24
62.13
69.08
2.530
9.27%
8.34%
32
24.41
LT debt¥B
10.50
11.43
11.43
11.24
12.35
13.26
14.42
15.87
17.67
19.23
29.34
9.25%
8.29%
32
Total assets
¥69.08B
8.34%
1.21×
Revenue
¥39.68B
6.29%
1.00×
Non-interest expense
¥18.37B
6.29%
1.00×
Net interest income
75.99%
Non-interest income
24.01%
Spread over hurdle
71.09%