4.734
Revenue¥B
3.788
3.834
4.038
4.118
4.265
4.431
4.473
4.698
4.729
4.884
5.228
2.75%
2.73%
75
10.76
Revenue growth%
8.39
10.69
10.23
7.83
5.52
4.63
6.15
4.97
7.21
7.90
25.02
6.15
7.52
49
17.49
NIM%
8.64
5.95
8.88
10.37
9.27
9.48
8.51
11.05
10.96
8.13
19.91
9.48
9.07
72
6.33
Effic. R.%
0.40
1.71
0.40
0.40
2.10
4.19
2.98
2.60
0.77
0.79
27.03
2.60
1.25
33
16.25
Net margin%
25.88
28.62
28.30
27.38
24.47
23.29
20.82
18.87
17.85
20.73
21.79
20.73
23.88
92
26.16
P/E ratio (avg)x
11.06
9.713
8.894
7.659
8.139
8.588
8.026
6.948
7.167
7.513
12.27
7.513
8.082
89
21.94
P/TBVx
47.74
46.79
45.05
51.15
58.50
62.73
63.30
75.40
81.36
91.04
16.76
75.40
60.62
61
33.45
P/Bx
21.50
20.73
21.73
25.90
26.24
29.23
29.13
29.56
34.10
40.29
22.66
29.56
27.69
55
3.905
NII¥B
2.593
2.686
2.816
2.865
2.986
3.089
3.114
3.257
3.295
3.420
2.401
2.75%
2.70%
—
25.03
NII grth%
9.48
6.83
6.36
8.26
7.88
7.37
6.06
4.52
7.17
7.73
7.79
7.17
7.27
18
5.78
ROTE%
27.45
25.21
25.02
25.36
25.96
25.67
25.43
22.76
22.96
25.81
15.99
25.43
25.39
41
10.23
Return on equity%
22.67
23.47
21.45
20.38
17.90
16.84
19.20
21.10
19.35
21.60
27.77
19.35
20.74
48
21.62
Return on assets%
12.34
15.27
12.74
11.23
8.62
6.11
3.91
4.75
2.87
2.26
4.95
3.91
7.36
35
69.26
EPS¥
115.23
105.30
107.37
113.94
104.37
106.41
110.68
114.58
126.29
135.30
77.45
5.33%
2.03%
—
11.91
EPS growth%
15.43
15.32
15.91
16.72
19.09
21.74
19.95
20.38
20.61
17.75
21.72
20.38
18.42
23
186.07
Bookvalue per sh¥
326.94
326.41
328.38
313.23
351.22
354.06
363.83
373.15
387.06
396.54
161.26
2.46%
2.60%
—
100.67
TBV/sh¥
122.46
135.53
135.27
122.13
108.11
101.82
111.59
121.43
133.78
135.55
196.63
4.63%
(0.34%)
—
125.67
Dividend per sh¥
342.21
336.98
392.99
385.01
420.24
497.84
588.79
693.61
824.00
811.53
113.86
14.07%
10.19%
—
10.01
Div yield (avg)%
24.31
25.19
26.27
24.30
22.97
21.58
21.98
23.83
26.34
25.98
3.61
23.83
24.31
94
27.02
Payout ratio%
11.51
12.89
13.95
12.45
14.79
17.13
15.24
12.69
12.88
15.42
17.19
15.24
13.42
84
11.24
Shares (diluted)M
12.00
10.94
12.35
11.72
10.82
10.70
11.75
12.90
13.14
14.39
11.82
5.86%
2.12%
39
6.05
Buyback yield%
13.00
13.36
16.02
19.02
20.52
18.20
20.83
23.42
20.69
22.74
7.99
20.83
19.77
64
33.65
Eq/Assets%
156.64
156.20
145.32
150.52
132.26
128.77
121.07
106.65
112.44
115.50
166.36
115.50
130.52
17
3.493
Assets¥B
5.613
5.982
6.261
6.579
6.936
7.787
8.366
9.058
9.682
10.36
4.788
8.35%
6.76%
29
0.320
LT debt¥B
1.065
1.158
1.156
1.063
1.153
1.171
1.139
1.192
1.227
1.108
3.572
(0.80%)
(0.53%)
51
Total assets
¥10.36B
6.76%
1.47×
Revenue
¥4.884B
2.73%
1.00×
Non-interest expense
¥2.820B
2.96%
1.02×
Net interest income
70.02%
Non-interest income
29.98%