29.66
Revenuekr M
27.14
28.69
31.05
33.93
37.03
39.68
41.65
44.77
47.96
52.42
32.28
7.20%
7.74%
63
16.56
Revenue growth%
31.81
33.65
35.07
35.59
33.68
31.78
32.10
32.83
31.49
31.82
2.33
31.82
32.47
47
2.35
NIM%
34.51
32.01
29.10
30.14
32.20
31.99
29.30
29.16
27.78
25.08
16.22
29.16
29.72
64
28.60
Effic. R.%
9.28
6.81
7.31
5.69
2.90
0.40
0.40
3.18
4.38
2.08
18.00
2.08
3.78
74
14.10
Net margin%
8.33
6.58
5.05
7.28
8.25
10.88
13.37
11.07
9.43
8.02
8.10
10.88
8.29
67
32.08
P/E ratio (avg)x
24.06
26.02
24.65
21.89
22.38
20.67
20.09
18.22
19.12
21.04
11.14
20.09
21.47
31
36.29
P/TBVx
20.62
21.87
23.88
23.38
25.61
29.05
29.64
33.33
32.16
35.49
14.55
32.16
27.33
55
32.55
P/Bx
14.24
14.53
14.20
15.84
16.19
15.95
16.26
17.70
16.17
17.26
29.51
16.26
16.06
12
31.29
NIIkr M
14.84
15.67
16.97
18.36
20.56
22.18
23.29
24.94
26.00
29.30
28.84
7.34%
7.93%
—
10.16
NII grth%
18.05
17.62
15.64
15.58
13.57
11.96
9.89
10.58
9.30
7.94
6.41
9.89
12.76
13
22.96
ROTE%
27.60
27.80
24.88
25.13
27.04
26.61
29.55
28.13
25.23
23.97
15.70
26.61
26.83
35
25.86
Return on equity%
23.10
25.76
24.52
24.94
23.21
21.60
18.75
17.91
19.79
20.52
7.97
19.79
22.35
73
10.59
Return on assets%
23.48
22.26
20.13
20.29
21.59
20.06
17.33
15.01
16.86
13.96
16.91
16.86
20.09
52
21.71
EPSkr
41.53
46.79
47.87
53.80
63.21
70.00
71.51
73.74
80.12
82.90
22.71
5.57%
8.17%
—
27.99
EPS growth%
16.32
17.03
18.01
18.37
15.84
12.99
12.40
13.17
15.94
17.31
20.78
13.17
16.13
13
16.64
Bookvalue per shkr
33.35
32.67
36.97
38.83
38.06
39.46
39.30
40.30
40.00
37.74
34.14
(0.17%)
1.45%
—
17.91
TBV/shkr
25.63
26.01
24.94
23.86
25.91
25.40
27.08
25.27
25.08
25.97
11.93
0.05%
1.50%
—
29.90
Dividend per shkr
16.50
19.33
19.63
22.73
25.29
24.61
25.04
28.01
30.55
28.55
8.45
2.45%
5.89%
—
28.19
Div yield (avg)%
14.69
15.11
16.53
17.35
19.87
18.61
16.70
18.30
18.42
17.11
16.38
18.30
17.23
29
10.86
Payout ratio%
29.71
32.01
30.54
32.88
30.85
30.89
32.72
35.27
32.45
31.15
12.47
32.45
31.58
35
1.638
Shares (diluted)M
1.397
1.410
1.452
1.411
1.463
1.494
1.535
1.660
1.838
1.828
1.705
4.56%
2.04%
62
25.73
Buyback yield%
14.23
12.26
10.12
11.62
11.57
12.96
11.16
10.45
12.08
11.23
19.93
11.23
11.59
61
179.07
Eq/Assets%
103.19
112.68
101.25
110.48
115.83
103.92
93.96
97.85
105.28
101.52
62.35
101.52
103.56
77
42.20
Assetskr M
57.54
61.74
66.63
69.95
76.01
81.35
90.81
94.46
104.4
111.6
43.86
7.98%
7.86%
14
36.09
LT debtkr M
39.74
45.46
52.21
54.57
59.90
55.88
60.24
68.19
79.08
89.08
2.476
8.26%
9.11%
41
Non-interest expense
7.74%
1.00×
Net interest income
55.90%
Non-interest income
44.10%