4.517
RevenueSR B
7.505
7.780
8.113
8.563
8.740
8.865
9.239
9.615
10.04
10.30
4.744
3.34%
3.53%
24
7.27
Revenue growth%
9.63
7.92
8.13
7.98
7.59
8.06
10.39
12.12
11.27
12.59
12.67
11.27
8.88
19
20.23
NIM%
10.02
8.67
5.85
3.73
5.28
8.27
9.07
8.16
9.69
7.61
27.66
8.27
8.22
31
8.08
Effic. R.%
12.23
12.09
13.88
10.93
9.19
8.28
9.57
9.39
9.16
12.13
3.43
9.39
10.25
94
23.85
Net margin%
29.28
29.50
26.90
27.23
24.77
25.23
24.25
25.36
26.48
28.88
7.50
25.36
26.69
72
22.22
P/E ratio (avg)x
31.18
35.06
41.57
43.62
52.54
56.47
60.33
65.89
76.08
76.41
36.42
65.89
54.51
69
10.99
P/TBVx
28.24
31.61
34.30
38.06
40.71
42.86
49.33
53.77
58.91
54.78
21.90
53.77
41.79
68
7.947
P/Bx
17.46
15.59
14.86
14.28
13.34
13.41
15.00
15.46
14.29
14.40
27.44
14.40
14.63
91
11.06
NIISR B
5.671
5.896
6.081
6.475
6.635
6.719
7.044
7.332
7.623
7.738
8.315
3.12%
3.57%
—
25.54
NII grth%
35.37
33.71
35.86
35.54
35.18
33.05
35.57
33.71
35.60
37.08
22.71
35.57
35.45
15
24.18
ROTE%
10.69
8.52
10.81
8.99
6.09
6.63
6.65
9.43
10.92
8.58
18.00
8.58
8.79
81
9.14
Return on equity%
30.82
31.96
30.56
33.21
33.56
31.91
31.67
31.82
29.96
29.68
17.42
31.67
31.74
84
4.11
Return on assets%
5.59
4.28
4.14
1.99
1.28
3.81
3.55
5.48
3.68
6.58
2.32
3.81
3.97
87
2.81
EPSSR
2.13
2.20
2.34
2.15
1.92
1.88
2.04
1.98
2.03
1.88
3.02
(0.47%)
(1.39%)
—
28.07
EPS growth%
11.72
9.89
12.07
10.11
13.00
14.47
17.20
17.25
16.91
15.01
15.20
16.91
13.73
75
3.87
Bookvalue per shSR
3.97
4.18
4.65
4.43
4.27
4.84
4.84
5.11
5.50
5.72
1.38
6.03%
3.45%
—
1.45
TBV/shSR
2.64
2.56
2.60
2.63
3.01
3.35
3.66
3.73
3.74
4.10
1.03
6.34%
4.39%
—
1.42
Dividend per shSR
3.28
2.95
2.87
2.76
2.99
2.98
2.92
3.16
2.83
2.99
1.56
—
0.22%
—
17.59
Div yield (avg)%
6.58
5.78
6.32
5.52
7.58
10.32
12.28
9.31
7.01
9.90
9.86
9.90
7.29
55
5.71
Payout ratio%
19.09
19.41
21.44
24.17
25.50
25.00
25.89
27.65
29.74
27.10
4.24
27.10
25.25
52
2.537
Shares (diluted)B
3.404
3.861
4.245
4.585
5.404
5.201
5.698
6.633
6.899
7.704
2.538
7.35%
9.72%
52
20.46
Buyback yield%
3.28
0.97
3.33
1.21
0.40
1.44
3.35
1.87
2.87
5.87
17.07
2.87
2.37
37
117.42
Eq/Assets%
183.67
182.31
189.00
174.22
159.26
144.47
152.77
162.83
171.05
165.18
176.80
162.83
168.12
93
7.082
AssetsSR B
36.17
38.22
42.06
45.36
48.08
50.77
53.81
60.85
66.12
74.76
7.907
9.23%
8.00%
30
4.209
LT debtSR B
13.71
15.58
15.64
17.15
17.11
17.15
18.74
18.84
19.12
21.88
4.570
5.05%
5.46%
73
Non-interest expense
3.53%
1.00×
Net interest income
75.13%
Non-interest income
24.87%