1.795
Revenuekr B
1.808
1.860
1.921
2.014
2.077
2.188
2.259
2.395
2.507
2.679
1.945
5.22%
4.50%
12
20.93
Revenue growth%
11.10
9.28
6.57
7.69
9.38
10.94
13.18
15.11
15.55
13.90
6.02
13.90
11.02
8
18.94
NIM%
2.61
1.48
4.02
5.67
7.19
8.10
9.09
7.31
8.87
7.92
16.95
8.10
7.25
86
20.55
Effic. R.%
19.18
19.86
18.73
17.94
16.29
13.40
13.35
13.35
11.73
9.82
29.84
13.35
14.85
91
25.05
Net margin%
26.96
29.04
30.66
33.43
32.17
31.18
31.85
32.52
35.12
35.96
24.48
32.52
32.01
41
16.21
P/E ratio (avg)x
9.682
10.47
9.842
9.154
8.466
8.341
8.372
7.546
6.861
6.757
26.49
7.546
8.419
58
36.17
P/TBVx
26.18
24.45
26.21
26.40
24.17
21.20
20.98
22.00
22.21
21.87
24.38
21.87
23.19
26
12.69
P/Bx
21.18
22.15
20.16
21.59
22.52
21.73
18.81
16.58
18.14
19.73
22.03
18.81
20.67
16
0.112
NIIkr B
1.361
1.388
1.441
1.504
1.569
1.666
1.684
1.798
1.867
2.021
1.389
5.19%
4.57%
—
11.44
NII grth%
6.11
3.23
5.24
3.59
1.54
3.43
5.97
3.33
3.14
2.92
19.34
3.33
3.38
71
29.63
ROTE%
36.85
34.55
35.06
35.06
33.37
31.77
31.09
32.52
35.42
37.11
25.68
32.52
34.81
48
15.33
Return on equity%
16.29
15.49
16.07
13.77
14.21
12.91
14.78
17.63
17.06
15.35
8.98
15.35
15.42
56
27.42
Return on assets%
4.23
2.63
2.20
3.39
0.99
0.40
2.42
3.55
1.99
2.69
20.52
2.42
2.53
67
120.28
EPSkr
45.18
49.33
49.10
58.09
69.08
76.76
77.00
77.30
83.96
98.28
124.67
7.31%
9.82%
—
6.81
EPS growth%
15.72
18.72
20.15
17.35
19.39
16.67
18.11
20.12
21.53
23.62
17.88
20.12
19.06
50
75.38
Bookvalue per shkr
118.94
137.10
151.79
148.14
158.31
169.82
169.31
160.38
179.45
196.87
164.04
4.46%
6.28%
—
93.45
TBV/shkr
185.23
208.54
195.25
182.35
180.10
205.79
225.14
227.91
242.79
272.08
131.67
8.60%
3.78%
—
80.04
Dividend per shkr
56.30
60.22
55.60
50.50
53.48
48.42
44.01
39.38
36.95
40.65
145.56
(5.34%)
(3.92%)
—
22.31
Div yield (avg)%
10.95
9.23
9.87
7.42
6.16
4.34
2.69
0.40
0.40
0.40
24.67
0.40
5.25
94
22.85
Payout ratio%
20.51
19.62
22.07
20.86
21.16
18.78
16.23
16.04
17.79
15.20
13.07
16.23
19.20
87
3.455
Shares (diluted)M
5.105
5.059
4.968
5.751
5.745
5.918
6.817
6.749
7.745
8.840
3.366
9.00%
7.18%
55
14.86
Buyback yield%
18.63
17.13
19.35
21.27
19.49
19.57
19.38
16.49
18.70
20.93
24.79
19.38
19.37
89
53.71
Eq/Assets%
231.68
259.76
266.74
257.92
270.72
276.47
320.20
316.92
310.54
315.46
54.56
315.46
273.60
30
0.692
Assetskr B
1.397
1.538
1.632
1.741
1.941
2.072
2.262
2.383
2.650
2.721
1.117
6.99%
7.28%
57
356.5
LT debtkr M
609.6
643.3
638.1
646.8
657.1
648.6
605.8
566.7
490.2
490.6
399.3
(5.67%)
(1.80%)
34
Non-interest expense
4.68%
1.02×
Net interest income
75.43%
Non-interest income
24.57%
Return on capital
125.74%