2.437
Revenue¥B
4.529
4.747
4.872
5.066
5.203
5.418
5.616
5.954
6.225
6.422
2.663
4.30%
4.21%
60
5.60
Revenue growth%
2.77
1.20
3.42
6.23
6.05
8.52
9.67
10.92
12.08
9.40
23.49
9.67
7.38
14
20.11
NIM%
19.28
21.29
22.48
22.30
25.09
24.98
25.40
26.43
26.06
28.16
24.90
26.06
25.03
14
5.54
Effic. R.%
27.08
24.48
27.30
27.93
27.59
28.56
26.04
26.17
25.75
22.95
17.72
26.04
26.62
63
4.18
Net margin%
11.99
9.77
10.17
11.05
13.54
10.98
8.48
6.37
3.45
5.57
19.30
6.37
9.97
32
34.00
P/E ratio (avg)x
21.65
21.44
25.02
27.77
29.56
29.46
31.46
35.80
39.28
42.34
32.87
35.80
29.51
26
11.11
P/TBVx
7.143
6.351
6.836
6.626
6.774
7.202
6.610
7.071
6.569
7.192
19.80
7.071
6.805
27
36.13
P/Bx
23.31
26.05
23.41
24.64
24.80
22.58
20.41
19.28
21.59
23.35
36.16
21.59
23.33
62
3.878
NII¥B
2.533
2.584
2.671
2.811
2.877
2.971
3.115
3.340
3.461
3.578
2.853
4.46%
4.43%
—
10.49
NII grth%
29.17
27.67
26.63
25.00
27.08
29.34
27.46
25.79
24.27
26.99
24.62
26.99
27.03
35
26.11
ROTE%
9.58
10.52
8.80
9.54
8.88
9.13
6.71
9.12
11.02
9.87
15.72
9.13
9.34
51
5.09
Return on equity%
22.35
23.50
20.85
21.49
18.62
21.60
22.79
25.36
26.11
28.04
17.66
25.36
22.57
47
23.73
Return on assets%
23.89
21.81
20.92
18.42
16.61
18.48
21.35
21.80
22.23
21.07
5.93
21.35
21.21
13
0.23
EPS¥
0.07
0.07
0.07
0.07
0.07
0.06
0.07
0.08
0.09
0.10
0.25
7.82%
3.04%
—
6.42
EPS growth%
11.04
9.36
9.01
7.73
5.56
3.83
0.98
0.59
2.48
1.76
27.11
1.76
4.69
28
0.13
Bookvalue per sh¥
0.20
0.22
0.20
0.21
0.19
0.20
0.19
0.21
0.20
0.18
0.32
(0.67%)
(0.89%)
—
0.09
TBV/sh¥
0.26
0.28
0.31
0.34
0.39
0.40
0.46
0.48
0.50
0.52
0.14
6.25%
7.60%
—
0.25
Dividend per sh¥
0.30
0.32
0.29
0.26
0.24
0.22
0.22
0.23
0.23
0.21
0.29
(2.70%)
(4.58%)
—
11.11
Div yield (avg)%
8.51
10.14
8.10
6.49
7.49
10.27
9.97
8.25
10.58
12.09
26.24
10.27
9.24
70
29.74
Payout ratio%
24.82
26.78
23.88
24.81
22.91
20.88
23.46
25.87
23.41
23.63
14.25
23.46
23.76
47
5.448
Shares (diluted)B
5.833
6.270
5.417
5.796
5.012
5.161
5.022
5.146
4.479
4.042
5.409
(4.21%)
(4.19%)
86
16.07
Buyback yield%
7.47
5.35
5.99
4.66
5.34
4.73
5.10
4.92
5.72
6.74
9.81
5.10
5.35
71
144.88
Eq/Assets%
154.22
161.41
168.51
175.98
159.44
161.61
155.67
169.07
180.30
202.88
147.42
169.07
165.06
63
2.578
Assets¥B
8.539
9.383
10.50
11.10
11.68
13.24
15.01
16.86
18.57
20.14
2.683
11.51%
9.80%
40
4.278
LT debt¥B
0.838
0.916
0.862
0.963
0.910
0.967
0.865
0.830
0.928
0.996
1.524
1.81%
2.54%
21
Total assets
¥20.14B
9.80%
1.69×
Revenue
¥6.422B
4.21%
1.00×
Non-interest expense
¥4.007B
4.39%
1.02×
Net interest income
55.71%
Non-interest income
44.29%