174.3
Revenue¥B
118.1
122.5
128.2
132.6
137.8
144.3
151.0
159.3
162.7
168.0
190.2
4.04%
4.19%
15
8.62
Revenue growth%
9.65
9.92
10.55
9.92
11.61
13.35
14.38
12.26
13.47
15.66
3.71
13.47
11.94
66
5.31
NIM%
1.41
4.37
7.10
9.95
9.31
8.89
6.34
4.83
1.99
3.27
14.58
4.83
5.58
72
15.53
Effic. R.%
27.44
24.66
24.92
27.00
29.70
29.73
31.63
33.67
30.69
31.99
27.32
31.63
29.71
17
9.14
Net margin%
10.55
7.74
8.35
8.11
9.50
12.21
12.89
11.84
12.60
11.30
21.61
12.21
10.92
52
13.83
P/E ratio (avg)x
39.70
39.10
38.74
44.40
44.94
51.30
53.80
50.52
55.38
62.73
28.95
53.80
47.73
20
33.90
P/TBVx
31.49
30.75
35.54
38.26
41.87
41.91
48.75
48.11
45.85
45.55
6.702
45.85
41.89
85
12.56
P/Bx
30.57
29.40
29.06
29.87
27.42
29.24
27.47
29.60
27.58
28.23
21.10
28.23
29.15
19
75.39
NII¥B
71.07
73.90
77.14
77.56
82.15
84.86
90.28
94.79
95.20
99.58
100.1
3.92%
4.27%
—
26.00
NII grth%
3.80
5.69
6.02
4.27
4.06
3.89
1.93
0.40
0.40
0.40
19.29
0.40
3.84
80
6.01
ROTE%
23.48
24.37
26.21
28.22
28.60
25.98
25.85
27.24
27.59
26.76
25.94
26.76
26.48
71
9.65
Return on equity%
21.15
19.27
16.91
14.19
15.77
14.49
15.94
14.89
13.69
12.34
7.79
14.49
15.33
19
18.35
Return on assets%
12.89
10.18
7.43
6.75
7.78
8.08
9.33
8.13
7.95
5.61
3.95
8.08
8.01
10
80.99
EPS¥
253.08
276.36
268.72
241.09
207.50
215.52
230.91
202.73
216.59
233.70
85.76
2.41%
(1.28%)
—
24.20
EPS growth%
17.69
15.52
17.72
19.70
21.13
22.05
23.82
26.05
24.37
26.33
20.34
24.37
21.59
41
516.56
Bookvalue per sh¥
154.84
162.12
188.68
200.95
209.67
212.80
227.51
266.83
273.81
306.04
510.73
7.86%
8.92%
—
396.34
TBV/sh¥
276.45
246.15
221.03
225.11
218.62
196.47
184.06
172.74
164.73
161.89
289.68
(5.83%)
(4.64%)
—
182.18
Dividend per sh¥
474.39
444.21
451.69
406.49
390.14
389.47
411.50
399.85
379.29
378.99
498.39
(0.58%)
(1.64%)
—
20.25
Div yield (avg)%
2.04
1.10
0.40
0.40
2.73
1.49
0.40
0.40
1.01
0.40
16.18
0.40
0.70
14
19.16
Payout ratio%
9.42
11.71
10.80
13.55
14.91
17.79
18.12
20.31
21.22
21.93
29.83
20.31
16.35
57
294.7
Shares (diluted)M
387.3
429.0
448.5
515.8
529.2
574.2
631.5
642.3
627.7
603.5
279.8
2.66%
5.49%
43
14.60
Buyback yield%
21.70
22.64
20.71
18.82
19.88
21.14
22.85
24.60
26.62
26.75
24.35
24.60
22.17
49
19.26
Eq/Assets%
114.58
119.28
115.34
103.42
117.17
126.07
120.64
127.25
142.11
128.47
75.84
127.25
119.96
56
142.3
Assets¥B
441.5
494.8
526.5
565.7
601.5
667.1
718.4
744.3
842.0
907.5
16.66
8.57%
8.47%
54
109.3
LT debt¥B
43.42
44.13
41.91
42.88
45.36
45.97
49.28
51.99
47.32
46.37
79.58
0.44%
0.71%
66
Total assets
¥907.5B
8.47%
1.50×
Revenue
¥168.0B
4.19%
1.00×
Non-interest expense
¥101.0B
4.16%
1.00×
Net interest income
59.28%
Non-interest income
40.72%
Spread over hurdle
10.88%