9.100
Revenue¥B
14.34
14.39
14.33
14.24
14.12
14.30
14.40
14.54
14.59
14.75
9.927
0.88%
0.30%
17
5.73
Revenue growth%
18.69
16.25
13.57
11.88
9.59
11.98
10.26
12.37
14.70
13.41
10.38
12.37
12.89
39
28.12
NIM%
31.90
30.76
32.60
33.33
33.51
33.32
35.19
37.32
37.84
40.66
22.89
37.32
33.42
95
21.08
Effic. R.%
22.71
21.91
20.75
19.33
21.34
20.44
21.06
19.45
18.43
17.14
20.17
19.45
20.60
31
20.78
Net margin%
16.60
15.48
12.98
12.42
10.65
9.53
7.04
4.88
2.63
3.99
27.49
4.88
10.09
42
12.78
P/E ratio (avg)x
11.10
11.59
11.83
12.34
11.32
9.902
9.210
9.839
9.506
9.924
37.30
9.839
10.51
38
20.73
P/TBVx
20.36
21.42
22.67
23.35
27.43
26.54
29.08
28.49
30.58
34.62
26.33
29.08
26.99
41
12.51
P/Bx
16.02
14.22
13.92
14.34
15.31
13.51
13.61
14.00
13.96
13.52
13.61
13.61
13.98
76
8.006
NII¥B
11.20
11.33
11.06
11.15
11.06
11.13
11.10
11.38
11.38
11.49
8.305
0.76%
0.21%
—
24.71
NII grth%
4.20
4.24
6.85
9.30
10.74
12.91
10.89
8.77
10.43
10.20
10.22
10.43
9.75
64
13.13
ROTE%
18.78
17.96
18.85
20.90
20.09
19.21
18.37
20.45
18.56
16.80
23.45
18.56
18.82
93
27.39
Return on equity%
15.55
12.79
11.48
10.65
11.87
12.36
13.97
11.20
10.73
8.69
9.60
11.20
11.68
29
29.05
Return on assets%
22.35
19.75
22.30
21.00
19.35
16.92
16.94
14.41
15.21
17.73
17.62
16.92
18.54
57
42.39
EPS¥
92.19
87.63
101.38
119.56
138.37
150.13
178.45
196.99
191.96
197.89
44.13
7.42%
7.58%
—
17.94
EPS growth%
14.17
17.11
14.84
12.27
9.35
9.08
9.99
12.15
14.18
15.63
5.92
12.15
13.22
65
99.84
Bookvalue per sh¥
116.53
118.60
134.52
150.52
177.04
199.20
222.19
222.75
267.65
311.72
99.16
11.98%
12.09%
—
72.71
TBV/sh¥
98.52
107.38
113.96
110.14
122.35
131.75
140.38
163.73
179.58
186.85
85.87
8.84%
7.33%
—
49.78
Dividend per sh¥
46.16
45.35
47.32
52.10
57.10
57.01
61.86
67.58
76.08
78.05
53.99
6.45%
5.20%
—
8.98
Div yield (avg)%
13.30
15.25
14.18
17.15
18.10
18.58
19.60
18.46
19.05
17.48
29.39
18.58
17.79
8
15.95
Payout ratio%
25.00
23.41
20.80
21.32
22.07
19.70
20.87
22.10
23.30
25.05
14.49
22.10
22.08
68
81.99
Shares (diluted)M
128.1
130.0
125.7
144.0
142.4
148.1
166.0
172.1
200.5
213.4
82.91
8.43%
5.52%
94
21.50
Buyback yield%
20.90
23.68
26.63
24.82
24.25
25.16
28.14
29.04
30.22
31.62
23.34
29.04
25.89
91
88.79
Eq/Assets%
88.12
93.73
101.95
88.93
93.54
80.55
72.13
74.86
72.46
67.08
73.07
72.46
84.33
67
9.758
Assets¥B
8.676
9.462
10.33
10.94
12.01
13.01
13.70
15.59
16.78
17.77
0.989
8.15%
8.25%
75
4.511
LT debt¥B
3.627
3.486
3.029
3.330
3.544
3.501
3.105
2.938
2.968
2.829
2.951
(4.41%)
(3.47%)
29
Total assets
¥17.77B
8.25%
2.14×
Revenue
¥14.75B
0.30%
1.00×
Non-interest expense
¥8.155B
0.28%
1.00×
Net interest income
77.92%
Non-interest income
22.08%
Spread over hurdle
69.82%