449.4
Revenuekr M
697.5
708.3
745.9
767.1
802.8
836.8
851.6
864.1
881.3
900.6
473.6
2.32%
3.10%
53
24.45
Revenue growth%
6.11
9.00
10.25
13.09
11.29
9.12
11.07
13.53
10.74
10.30
2.56
10.74
10.52
23
17.65
NIM%
0.40
2.43
5.11
4.17
3.08
0.55
3.30
5.43
7.24
5.46
9.11
5.43
3.73
75
4.05
Effic. R.%
0.40
2.67
3.22
3.11
0.40
0.40
2.95
0.40
1.38
4.30
15.76
1.38
2.03
35
15.89
Net margin%
18.80
18.23
16.13
16.08
15.12
16.97
19.14
21.90
22.33
25.00
20.04
21.90
18.52
84
23.80
P/E ratio (avg)x
26.43
27.06
23.80
24.48
22.96
19.68
19.39
16.41
15.94
17.10
21.75
17.10
21.32
22
27.08
P/TBVx
13.30
13.85
12.90
12.62
12.82
12.99
13.79
11.73
11.01
10.27
7.732
11.73
12.86
13
30.77
P/Bx
32.67
35.03
36.73
35.85
37.26
38.53
40.15
41.86
42.28
47.52
22.49
41.86
37.89
22
470.4
NIIkr M
419.0
421.8
447.8
454.3
485.7
499.3
518.5
512.2
529.9
547.0
867.0
2.41%
3.17%
—
24.18
NII grth%
26.70
28.84
28.55
29.76
30.23
29.43
30.84
31.60
33.85
35.41
20.04
31.60
30.00
50
19.24
ROTE%
10.87
12.24
13.44
13.83
14.83
13.95
15.75
18.01
19.71
21.46
15.25
18.01
14.39
93
19.14
Return on equity%
21.85
24.27
24.92
25.88
26.69
26.12
23.54
20.65
19.71
17.93
23.31
20.65
23.90
83
18.24
Return on assets%
18.84
18.26
18.63
16.35
18.45
18.58
19.62
20.81
18.77
20.35
22.84
19.62
18.70
47
44.98
EPSkr
20.78
20.44
23.15
23.90
24.26
26.47
27.00
29.19
28.38
27.77
49.71
2.74%
2.96%
—
14.93
EPS growth%
28.62
30.27
29.68
32.50
34.05
33.49
33.91
34.48
37.17
38.25
16.93
34.48
33.70
75
47.36
Bookvalue per shkr
12.91
14.46
16.03
16.30
16.01
16.86
16.83
18.66
18.73
21.32
11.47
5.89%
4.97%
—
23.89
TBV/shkr
58.28
65.71
71.79
84.48
88.16
87.45
86.53
90.08
104.88
104.15
17.68
3.39%
5.82%
—
28.49
Dividend per shkr
83.99
100.00
110.90
130.09
127.93
147.39
172.40
165.25
187.07
200.67
10.94
9.42%
10.55%
—
21.61
Div yield (avg)%
14.31
15.02
14.63
11.78
11.16
10.34
12.19
10.83
11.21
10.86
11.65
10.86
11.50
14
2.29
Payout ratio%
29.57
31.74
29.39
29.69
30.86
29.31
28.23
26.21
25.86
27.21
13.84
27.21
29.35
53
9.375
Shares (diluted)M
8.523
7.533
7.349
6.870
6.094
5.798
6.082
6.773
7.391
7.746
9.578
4.91%
(1.64%)
45
25.56
Buyback yield%
23.33
22.29
22.79
24.72
27.71
26.47
28.74
27.69
25.86
24.90
18.76
26.47
25.38
15
24.07
Eq/Assets%
95.16
92.47
98.73
95.59
99.03
110.80
104.57
103.23
105.26
100.04
103.72
104.57
99.53
37
1.064
Assetskr B
2.228
2.356
2.572
2.768
3.072
3.252
3.538
3.887
4.135
4.574
0.046
8.28%
8.88%
25
0.861
LT debtkr B
0.731
0.747
0.777
0.842
0.846
0.917
0.981
0.928
0.920
1.009
1.014
3.57%
4.35%
49
Non-interest expense
3.15%
1.01×
Net interest income
60.74%
Non-interest income
39.26%
Spread over hurdle
19.16%