69.41
Revenuekr M
205.3
213.6
220.1
226.1
232.3
238.0
246.4
257.7
263.9
73.74
74.40
3.14%
3.36%
39
14.50
Revenue growth%
25.01
23.12
21.54
19.62
17.01
18.29
16.97
15.09
12.68
4.43
18.04
16.97
18.96
26
23.89
NIM%
14.49
11.97
13.58
12.34
12.46
10.36
11.79
14.64
16.23
26.64
14.77
12.46
13.02
12
16.07
Effic. R.%
1.85
2.82
4.43
6.20
3.76
4.74
4.49
5.01
7.11
8.31
11.59
4.74
4.50
54
22.80
Net margin%
15.39
12.64
10.30
12.72
13.30
15.79
18.64
19.32
16.83
25.66
2.85
16.83
15.17
60
20.51
P/E ratio (avg)x
18.62
20.38
19.37
20.89
20.10
22.10
20.33
18.18
18.42
9.865
6.142
20.10
20.14
9
15.28
P/TBVx
20.60
23.23
25.81
29.61
34.97
40.57
40.11
41.08
43.34
14.82
23.51
40.57
32.29
45
24.29
P/Bx
11.01
11.47
13.04
12.54
12.79
13.41
14.64
16.56
16.50
9.542
25.20
14.64
12.92
27
215.4
NIIkr M
114.6
119.7
125.4
125.2
129.7
133.4
138.2
146.7
147.8
84.38
163.2
3.39%
3.29%
—
19.67
NII grth%
18.33
20.10
19.73
21.65
18.77
19.43
22.35
20.12
22.91
13.50
25.60
20.12
19.92
77
24.29
ROTE%
30.05
32.58
33.21
35.45
34.27
35.57
35.14
36.90
34.10
29.15
27.57
35.14
34.19
79
8.42
Return on equity%
3.46
3.68
4.87
3.57
4.88
5.26
6.92
8.88
10.14
13.24
15.99
6.92
4.88
89
11.70
Return on assets%
31.89
34.12
35.75
34.38
31.81
30.56
29.73
31.67
34.61
24.14
2.51
31.67
31.85
87
93.93
EPSkr
107.07
119.49
124.06
120.17
117.12
108.09
114.26
111.60
110.38
104.46
110.80
(1.68%)
0.03%
—
9.12
EPS growth%
11.77
14.15
13.04
12.09
11.68
8.79
8.22
10.16
11.97
12.45
18.90
10.16
11.86
5
54.71
Bookvalue per shkr
26.18
24.68
27.66
27.43
28.46
33.43
39.30
38.72
40.28
16.67
85.13
7.99%
5.29%
—
97.68
TBV/shkr
135.19
163.04
195.61
221.10
240.75
245.18
262.55
263.48
269.63
54.29
83.46
4.05%
9.57%
—
15.39
Dividend per shkr
65.98
78.16
88.68
98.75
105.91
111.84
128.93
124.37
136.73
88.97
64.24
6.72%
8.17%
—
12.14
Div yield (avg)%
1.60
2.69
3.15
2.66
5.66
5.81
5.78
3.33
2.23
8.66
11.50
5.66
2.92
95
25.49
Payout ratio%
28.11
30.57
30.69
28.86
25.93
23.18
22.76
20.60
21.33
13.75
8.25
22.76
27.02
54
1.006
Shares (diluted)M
1.667
1.655
1.549
1.625
1.783
1.852
1.973
2.173
2.349
1.016
0.980
7.65%
5.56%
38
24.00
Buyback yield%
12.38
12.70
11.49
11.86
11.61
13.91
13.13
12.16
14.70
14.03
13.48
13.13
12.27
57
47.95
Eq/Assets%
201.12
214.47
209.68
223.24
227.55
242.05
241.74
249.52
292.66
85.54
37.12
242.05
225.40
11
164.9
Assetskr M
427.9
463.1
527.9
549.1
630.1
644.4
724.6
805.4
856.8
53.56
163.1
9.30%
8.58%
46
11.47
LT debtkr M
35.36
35.19
40.25
39.74
43.92
49.07
44.94
41.51
45.26
213.9
128.7
2.63%
1.53%
66
Non-interest expense
3.11%
0.98×
Net interest income
56.01%
Non-interest income
43.99%