1.335
Revenue¥B
7.256
7.750
8.328
8.858
9.637
10.11
10.57
11.39
12.08
1.432
1.657
6.40%
6.88%
95
23.78
Revenue growth%
4.75
5.50
4.30
6.35
8.07
5.76
8.07
7.15
8.16
28.76
6.38
8.07
6.29
95
11.31
NIM%
15.85
17.30
16.57
18.18
20.40
20.33
18.85
18.23
20.58
29.68
9.80
20.33
18.21
7
19.49
Effic. R.%
4.00
5.05
2.45
3.52
2.02
2.21
1.32
0.40
0.40
26.49
15.22
1.32
2.33
38
13.68
Net margin%
22.93
23.79
26.36
24.78
23.37
22.17
22.92
25.04
25.00
27.34
28.86
23.37
24.28
62
12.47
P/E ratio (avg)x
8.370
7.839
7.742
7.288
7.180
6.370
5.485
4.853
4.877
26.86
19.09
5.485
7.234
18
24.93
P/TBVx
24.38
27.71
30.53
35.27
35.13
38.11
44.17
45.67
51.83
23.31
21.31
44.17
35.20
48
24.59
P/Bx
15.83
15.31
14.88
13.20
12.85
11.55
11.43
12.17
11.81
37.07
15.77
11.81
13.03
84
8.613
NII¥B
4.214
4.475
4.853
5.166
5.536
5.766
6.195
6.664
7.013
8.327
8.578
6.31%
6.85%
—
22.99
NII grth%
14.73
16.58
19.28
21.55
19.01
16.54
13.61
13.46
15.00
16.55
13.73
15.00
15.77
55
25.35
ROTE%
7.82
10.59
10.89
11.51
12.49
9.74
12.46
14.72
14.03
27.75
8.32
12.49
11.20
92
22.94
Return on equity%
20.82
19.98
20.60
19.03
18.41
16.01
17.32
17.14
20.04
28.60
18.17
17.32
19.51
15
25.76
Return on assets%
10.26
9.40
11.63
13.36
14.73
12.22
13.82
12.05
10.81
13.52
25.84
12.22
11.84
36
159.25
EPS¥
112.27
118.25
104.79
101.95
94.17
103.44
113.56
114.05
121.63
176.06
174.61
3.59%
0.78%
—
13.57
EPS growth%
1.47
1.78
2.15
1.98
0.40
1.50
0.40
2.48
0.40
2.63
15.14
0.40
1.64
76
150.01
Bookvalue per sh¥
56.86
56.64
63.11
57.29
62.28
65.02
60.79
64.77
67.73
101.88
188.72
3.40%
2.96%
—
136.22
TBV/sh¥
162.95
161.72
171.37
179.59
178.11
165.67
177.86
195.51
226.01
129.76
40.22
4.71%
3.83%
—
197.11
Dividend per sh¥
163.40
155.40
134.70
126.27
114.08
106.84
99.14
94.01
100.33
183.40
115.01
(4.49%)
(3.84%)
—
12.65
Div yield (avg)%
11.34
11.68
10.53
8.12
6.44
8.33
5.64
3.40
3.47
10.44
28.25
5.64
8.22
56
7.50
Payout ratio%
28.97
30.73
32.25
30.73
28.85
28.50
28.05
25.36
27.69
27.28
7.25
28.05
28.91
46
50.44
Shares (diluted)M
52.90
47.12
42.30
41.35
42.73
38.83
37.85
35.96
33.44
50.06
50.27
(4.16%)
(4.86%)
87
21.26
Buyback yield%
35.56
34.95
36.28
36.12
34.86
35.08
37.61
37.37
40.06
4.33
2.17
37.37
35.84
82
65.45
Eq/Assets%
121.98
126.52
128.31
113.36
114.23
103.28
99.02
106.75
107.91
162.10
115.48
106.75
113.80
95
6.345
Assets¥B
30.15
32.30
35.19
38.15
43.20
47.94
52.20
56.56
63.57
2.786
6.491
10.75%
9.94%
76
9.582
LT debt¥B
4.968
4.636
4.315
4.351
4.345
3.811
3.752
3.591
3.436
4.039
4.255
(4.61%)
(5.12%)
28
Total assets
¥63.57B
9.94%
1.33×
Revenue
¥12.08B
6.88%
1.00×
Non-interest expense
¥7.408B
6.94%
1.01×
Net interest income
58.05%
Non-interest income
41.95%
Spread over hurdle
10.69%