52.99
Revenuekr M
157.7
158.0
158.3
154.8
157.6
155.4
157.5
158.1
155.4
159.0
58.63
0.17%
(0.04%)
50
9.27
Revenue growth%
7.97
7.01
7.36
6.40
6.05
4.44
2.77
5.28
7.43
9.66
14.85
5.28
6.71
84
5.69
NIM%
8.03
5.87
7.61
7.37
5.69
4.09
1.94
2.43
4.06
3.61
9.13
3.61
4.89
10
25.23
Effic. R.%
3.96
3.10
3.87
1.14
1.78
4.77
6.18
5.58
6.17
8.75
26.99
6.17
4.36
32
10.83
Net margin%
21.98
20.35
20.60
19.82
21.22
18.37
19.97
22.74
25.72
23.47
3.20
22.74
20.91
32
17.20
P/E ratio (avg)x
18.18
17.31
17.18
19.11
18.66
17.57
16.90
18.48
17.75
19.03
20.25
17.75
17.96
48
20.92
P/TBVx
19.77
21.90
20.51
20.50
22.55
20.84
23.88
22.08
21.34
20.02
36.86
21.34
21.09
77
31.71
P/Bx
65.02
72.62
84.48
90.57
101.8
113.7
112.7
120.9
130.3
133.1
22.72
120.9
107.3
42
26.99
NIIkr M
89.49
87.21
87.94
88.33
89.28
86.38
89.50
89.10
88.77
88.58
15.45
(0.16%)
(0.16%)
—
9.73
NII grth%
10.89
8.82
8.16
6.00
5.06
3.31
1.00
0.40
2.36
5.29
23.08
2.36
5.18
40
16.31
ROTE%
7.50
8.96
9.57
10.00
8.20
5.33
5.15
7.52
7.87
6.59
19.99
6.59
7.69
7
2.44
Return on equity%
20.77
23.09
26.05
23.40
23.29
26.13
27.18
26.84
25.91
26.77
3.70
26.77
25.98
44
12.62
Return on assets%
9.59
11.03
13.39
13.55
12.43
11.77
14.14
12.28
10.98
13.62
17.86
12.28
12.35
31
35.57
EPSkr
23.23
22.74
22.47
23.15
21.60
20.43
19.77
17.91
16.36
16.73
36.56
(4.98%)
(4.41%)
—
19.18
EPS growth%
28.72
28.96
27.94
26.76
28.82
31.22
30.77
29.46
28.26
26.26
22.86
29.46
28.77
49
55.60
Bookvalue per shkr
67.82
67.53
73.05
73.77
75.49
74.77
84.20
96.25
115.89
113.54
43.47
8.51%
5.96%
—
39.07
TBV/shkr
47.56
44.71
43.23
46.85
42.97
42.90
45.80
48.37
44.35
43.79
25.15
0.38%
(1.44%)
—
34.35
Dividend per shkr
17.26
17.79
19.94
20.74
22.84
25.10
23.44
25.95
24.66
22.80
32.49
(0.04%)
2.96%
—
17.22
Div yield (avg)%
21.32
20.43
20.67
20.04
19.61
20.99
21.41
24.02
24.68
27.55
4.94
24.02
21.16
53
21.65
Payout ratio%
7.07
8.79
6.06
3.78
2.46
3.91
4.10
2.80
5.29
3.96
10.82
3.96
4.03
26
2.031
Shares (diluted)M
2.066
2.337
2.495
2.686
2.967
3.023
2.722
2.543
2.284
2.195
2.043
(5.84%)
0.92%
41
25.07
Buyback yield%
3.75
4.35
6.12
6.06
5.16
5.68
3.29
2.72
3.85
2.58
19.32
3.29
4.10
39
43.06
Eq/Assets%
121.19
123.96
117.57
108.05
116.01
123.97
129.43
114.09
110.01
101.95
25.96
114.09
116.79
63
109.3
Assetskr M
361.1
383.5
408.3
442.0
503.7
544.2
619.7
663.0
720.6
744.9
44.14
8.14%
8.66%
29
24.00
LT debtkr M
173.1
168.6
190.1
201.2
214.3
203.9
226.2
220.6
252.8
297.8
15.92
6.80%
4.98%
90
Non-interest expense
0.05%
1.01×
Net interest income
55.71%
Non-interest income
44.29%
Spread over hurdle
20.82%