4% 10yr Avg P/B 4.1x Avg ROCE (1992-2015) 19.7% NIM 1.6% Forward P/E 22.6x Cost of Funds 0.08% I Or Avg. Forward 22.Ix Debt/Equity 7.7% Pre-Crisis Forward PIE Range 21-25x Div. Yield .84% 30 20 $0 qehwah Historical P/F 4fr .P.S 4, 41 4, 4? ' 4, Avg 21 The street is too short-term focused. providing