1.800
Revenue¥B
18.02
19.06
20.39
21.45
23.33
24.91
27.06
29.18
31.36
32.63
1.987
6.94%
6.82%
78
29.69
Revenue growth%
6.70
7.52
8.56
5.74
3.07
2.90
0.40
0.40
2.79
5.17
13.61
2.79
4.12
21
16.09
NIM%
11.95
14.78
12.47
13.55
10.81
11.38
9.01
9.13
7.21
9.32
12.38
9.13
11.09
44
5.13
Effic. R.%
22.31
20.47
19.23
21.83
22.07
21.02
22.25
21.46
23.38
22.13
21.37
22.13
21.95
24
21.01
Net margin%
6.04
5.10
5.69
4.98
5.52
8.45
11.40
9.30
9.37
11.00
6.40
9.37
7.25
78
17.07
P/E ratio (avg)x
20.52
19.55
18.97
19.59
18.20
16.36
14.72
15.47
13.34
11.52
18.97
14.72
17.28
10
22.18
P/TBVx
41.93
40.62
47.79
54.78
55.41
57.13
55.19
53.36
50.28
49.97
7.226
53.36
51.82
23
8.270
P/Bx
17.54
18.07
18.65
22.61
26.35
30.23
30.87
36.84
44.30
47.89
8.375
36.84
28.29
29
6.848
NII¥B
10.48
11.03
11.92
12.55
13.75
14.80
16.08
16.77
18.18
19.17
4.142
6.86%
6.99%
—
26.11
NII grth%
22.69
20.89
22.92
20.69
18.46
20.72
22.84
23.90
22.59
21.51
12.85
22.59
22.05
41
5.02
ROTE%
32.17
34.75
34.52
36.39
35.77
37.03
37.93
38.48
38.31
39.86
17.31
38.31
36.71
80
17.73
Return on equity%
0.56
0.40
2.35
2.81
0.70
1.19
0.40
1.16
2.28
1.79
7.96
1.19
1.17
63
18.41
Return on assets%
28.88
29.24
28.78
29.30
29.25
30.29
28.02
25.59
24.01
25.37
27.08
25.59
28.83
29
253.06
EPS¥
1,134
1,130
1,305
1,484
1,646
1,736
1,994
2,339
2,614
2,924
261.51
12.17%
11.94%
—
11.05
EPS growth%
36.05
34.74
36.99
38.31
37.40
37.09
34.42
34.71
34.60
33.24
4.99
34.60
35.40
31
808.03
Bookvalue per sh¥
313.04
342.18
381.48
403.16
445.32
461.69
536.70
633.27
608.13
717.49
411.33
10.01%
9.24%
—
164.62
TBV/sh¥
442.78
483.84
498.20
527.70
530.49
495.91
505.65
560.50
489.87
510.14
777.08
(0.78%)
1.60%
—
780.39
Dividend per sh¥
573.59
583.78
596.32
605.17
626.78
651.58
740.94
805.71
795.64
881.45
837.98
7.06%
4.91%
—
23.49
Div yield (avg)%
6.55
6.22
5.87
4.32
6.94
5.99
8.47
11.44
14.24
11.79
4.48
11.44
6.75
41
14.86
Payout ratio%
23.99
25.97
27.41
28.54
25.62
25.67
27.29
27.08
28.02
28.61
3.02
27.29
27.18
53
20.73
Shares (diluted)M
21.01
19.48
19.31
21.59
19.43
18.71
19.23
20.84
20.64
22.09
20.78
2.60%
0.91%
55
4.92
Buyback yield%
7.98
9.95
9.46
7.91
9.68
7.37
9.94
10.41
10.57
10.29
21.91
10.29
9.81
61
45.38
Eq/Assets%
60.78
66.99
77.25
83.67
87.99
101.67
121.91
138.02
161.23
188.53
170.35
138.02
94.83
71
23.95
Assets¥B
56.81
62.21
69.26
72.75
79.57
85.63
90.74
94.40
104.6
117.2
1.530
8.06%
8.69%
89
13.86
LT debt¥B
20.57
20.31
22.00
22.31
23.67
26.67
27.47
32.50
38.74
47.08
13.37
14.74%
9.19%
6
Total assets
¥117.2B
8.69%
1.19×
Revenue
¥32.63B
6.82%
1.00×
Non-interest expense
¥20.45B
6.82%
1.00×
Net interest income
58.74%
Non-interest income
41.26%
Spread over hurdle
11.12%