Financials

Large, geographically diverse banks with a national footprint whose revenues are derived primarily from conventional banking operations, have significant business activity in retail banking and small and medium corporate lending, and provide a diverse range of financial services. Excludes banks classified in the Regional Banks and Thrifts & Mortgage Finance Sub-Industries. Also excludes investment banks classified in the Investment Banking & Brokerage Sub-Industry.

Commercial banks whose businesses are derived primarily from conventional banking operations and have significant business activity in retail banking and small and medium corporate lending. Regional banks tend to operate in limited geographic regions. Excludes companies in the Diversified Banks and Thrifts & Mortgage Banks sub-industries. Also excludes investment banks classified in the Investment Banking & Brokerage sub-industry.

Financial institutions providing mortgage and mortgage related services. These include financial institutions whose assets are primarily mortgage related, savings & loans, mortgage lending institutions, building societies and companies providing insurance to mortgage banks.

Providers of a diverse range of financial services and/or with some interest in a wide range of financial services including banking, insurance and capital markets, but with no dominant business line. Excludes companies classified in the Regional Banks and Diversified Banks Sub-Industries.

A company with significantly diversified holdings across three or more sectors, none of which contribute a majority of profit and/or sales. Stakes held are predominantly of a non-controlling nature. Includes diversified financial companies where stakes held are of a controlling nature. Excludes other diversified companies classified in the Industrials Conglomerates sub-industry.

Providers of specialized financial services not classified elsewhere. Companies in this sub-industry derive a majority of revenue from one specialized line of business. Includes, but not limited to, commercial financing companies, central banks, leasing institutions, factoring services, and specialty boutiques. Excludes companies classified in the Financial Exchanges & Data sub-industry.

Providers of consumer finance services, including personal credit, credit cards, lease financing, travel-related money services and pawn shops. Excludes mortgage lenders classified in the Thrifts & Mortgage Finance sub-industry.

Financial institutions primarily engaged in investment management and/or related custody and securities fee-based services. Includes companies operating mutual funds, closed-end funds and unit investment trusts. Excludes banks and other financial institutions primarily involved in commercial lending, investment banking, brokerage and other specialized financial activities.

Financial institutions primarily engaged in investment banking and brokerage services, including equity and debt underwriting, mergers and acquisitions, securities lending and advisory services. Excludes banks and other financial institutions primarily involved in commercial lending, asset management and specialized financial activities.

Financial institutions primarily engaged in diversified capital markets activities, including a significant presence in at least two of the following areas: large/major corporate lending, investment banking, brokerage and asset management. Excludes less diversified companies classified in the Asset Management & Custody Banks or Investment Banking & Brokerage sub-industries. Also excludes companies classified in the Banks or Insurance industry groups or the Consumer Finance sub-industry.

Financial exchanges for securities, commodities, derivatives and other financial instruments, and providers of financial decision support tools and products including ratings agencies.

Companies or Trusts that service, originate, purchase and/or securitize residential and/or commercial mortgage loans. Includes trusts that invest in mortgage-backed securities and other mortgage related assets.

Insurance and reinsurance brokerage firms.

Companies providing primarily life, disability, indemnity or supplemental health insurance. Excludes managed care companies classified in the Managed Health Care sub-industry.

Insurance companies with diversified interests in life, health and property and casualty insurance.

Companies providing primarily property and casualty insurance.

Companies providing primarily reinsurance.

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Income Statment

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue 44,187,000,000 123,910,000,000 146,702,000,000 144,528,000,000 140,632,000,000 142,956,000,000 147,271,000,000 147,327,000,000 150,224,000,000 163,920,000,000
Cost of Goods Sold -11,187,000,000 -47,111,000,000 -70,409,000,000 -68,037,000,000 -65,236,000,000 -69,503,000,000 -74,205,000,000 -75,346,000,000 -80,553,000,000 -95,813,000,000
Gross Profit 33,000,000,000 76,799,000,000 76,293,000,000 76,491,000,000 75,396,000,000 73,453,000,000 73,066,000,000 71,981,000,000 69,671,000,000 68,107,000,000
Operating Costs -2,651,000,000 -36,422,000,000 -29,902,000,000 -25,184,000,000 -24,352,000,000 -23,253,000,000 -21,669,000,000 -24,059,000,000 -24,088,000,000 -26,225,000,000
Operating Profit 30,349,000,000 40,377,000,000 46,391,000,000 51,307,000,000 51,044,000,000 50,200,000,000 51,397,000,000 47,922,000,000 45,583,000,000 41,882,000,000
Financing Costs -9,038,000,000 -12,971,000,000 -4,243,000,000 -3,770,000,000 -5,018,000,000 -5,459,000,000 -4,281,000,000 -3,885,000,000 -6,810,000,000 -6,913,000,000
Pre-Tax Profit 21,311,000,000 27,406,000,000 42,148,000,000 47,537,000,000 46,026,000,000 44,741,000,000 47,116,000,000 44,037,000,000 38,773,000,000 34,969,000,000
Income Tax -6,288,000,000 -9,266,000,000 -12,050,000,000 -14,029,000,000 -14,492,000,000 -12,957,000,000 -13,778,000,000 -13,153,000,000 -11,820,000,000 -10,535,000,000
Net Profit 15,023,000,000 18,140,000,000 30,098,000,000 33,508,000,000 31,534,000,000 31,784,000,000 33,338,000,000 30,884,000,000 26,953,000,000 24,434,000,000

Balance Sheet

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Current Assets 2,070,819,000,000 4,137,283,000,000 3,954,606,000,000 3,834,798,000,000 3,740,639,000,000 3,703,109,000,000 3,760,706,000,000 3,416,590,000,000 3,159,946,000,000 3,002,799,000,000
Non-Current Assets 0 0 0 0 0 0 0 0 0 0
Assets 2,070,819,000,000 4,137,283,000,000 3,954,606,000,000 3,834,798,000,000 3,740,639,000,000 3,703,109,000,000 3,760,706,000,000 3,416,590,000,000 3,159,946,000,000 3,002,799,000,000
Current Liabilities 1,928,425,000,000 3,844,330,000,000 3,676,535,000,000 3,563,690,000,000 3,479,018,000,000 3,448,932,000,000 3,515,976,000,000 3,197,717,000,000 2,952,387,000,000 2,806,836,000,000
Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0
Liabilities 1,928,425,000,000 3,844,330,000,000 3,676,535,000,000 3,563,690,000,000 3,479,018,000,000 3,448,932,000,000 3,515,976,000,000 3,197,717,000,000 2,952,387,000,000 2,806,836,000,000
Equity 142,394,000,000 292,953,000,000 278,071,000,000 271,108,000,000 261,621,000,000 254,177,000,000 244,730,000,000 218,873,000,000 207,559,000,000 195,963,000,000

Cash Flow Statement

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Cash Flow from Operating Activities 85,134,000,000 197,040,000,000 33,593,000,000 26,288,000,000 33,666,000,000 41,354,000,000 12,599,000,000 30,931,000,000 51,329,000,000 26,634,000,000
Cash Flow from Financing Activities 8,639,000,000 -90,171,000,000 -40,026,000,000 -7,794,000,000 3,314,000,000 15,119,000,000 651,000,000 3,287,000,000 -33,277,000,000 20,403,000,000
Cash Flow from Investing Activities 11,129,000,000 -32,855,000,000 -5,930,000,000 -2,526,000,000 -12,091,000,000 -48,751,000,000 -27,469,000,000 -20,405,000,000 -20,810,000,000 -39,207,000,000
Net Change in Cash 104,902,000,000 74,014,000,000 -12,363,000,000 15,968,000,000 24,889,000,000 7,722,000,000 -14,219,000,000 13,813,000,000 -2,758,000,000 7,830,000,000
Cash at the Beginning of the Period 135,274,000,000 185,130,000,000 186,571,000,000 161,688,000,000 140,809,000,000 141,481,000,000 136,026,000,000 117,086,000,000 119,641,000,000 103,993,000,000
Exchange Fluctuations -1,536,000,000 -1,974,000,000 7,209,000,000 8,558,000,000 -4,010,000,000 -8,394,000,000 19,674,000,000 5,127,000,000 8,115,000,000 -2,710,000,000
Cash at the End of the Period 238,640,000,000 257,170,000,000 181,417,000,000 186,214,000,000 161,688,000,000 140,809,000,000 141,481,000,000 136,026,000,000 124,998,000,000 109,113,000,000

Profitability

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Gross Margin 74.7% 62.0% 52.0% 52.9% 53.6% 51.4% 49.6% 48.9% 46.4% 41.5%
Operating Margin 68.7% 32.6% 31.6% 35.5% 36.3% 35.1% 34.9% 32.5% 30.3% 25.6%
Net Margin 34.0% 14.6% 20.5% 23.2% 22.4% 22.2% 22.6% 21.0% 17.9% 14.9%

Management Effectiveness

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Return on Assets 0.7% 0.4% 0.8% 0.9% 0.8% 0.9% 0.9% 0.9% 0.9% 0.8%
Return on Equity 10.6% 6.2% 10.8% 12.4% 12.1% 12.5% 13.6% 14.1% 13.0% 12.5%
Current Ratio 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1
Debt to Equity Ratio 13.5 13.1 13.2 13.1 13.3 13.6 14.4 14.6 14.2 14.3

Valuation

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Share Price ($) 55.81 25.04 37.81 34.45 37.63 34.05 35.86 36.90 35.44 27.52
Ordinary Shares 4,595,010,676 13,337,633,360 12,623,558,265 12,471,421,631 12,447,065,969 12,357,661,207 12,044,731,251 11,538,810,618 11,401,754,559 11,232,384,105
Market Capitalisation ($) 256,468,329,246 333,955,807,113 477,309,056,530 429,631,274,075 468,358,508,447 420,765,937,487 431,900,697,141 425,768,912,351 404,058,524,732 309,096,135,337
Revenue per Share ($) 9.62 9.29 11.62 11.59 11.30 11.57 12.23 12.77 13.18 14.59
Earnings per Share ($) 3.27 1.36 2.38 2.69 2.53 2.57 2.77 2.68 2.36 2.18
Equity per Share ($) 30.99 21.96 22.03 21.74 21.02 20.57 20.32 18.97 18.20 17.45
Dividends per Share ($) 1.52 1.03 2.07 2.10 2.10 2.06 2.07 2.02 1.85 1.76
Dividend Yield 2.7% 4.1% 5.5% 6.1% 5.6% 6.1% 5.8% 5.5% 5.2% 6.4%
Price to Sales Ratio 5.8 2.7 3.3 3.0 3.3 2.9 2.9 2.9 2.7 1.9
Price to Earnings Ratio 17.1 18.4 15.9 12.8 14.9 13.2 13.0 13.8 15.0 12.7
Price to Book Ratio 1.8 1.1 1.7 1.6 1.8 1.7 1.8 1.9 1.9 1.6