0.103
Revenuekr B
0.642
0.694
0.749
0.796
0.840
0.898
0.986
1.042
1.107
1.201
0.115
7.42%
7.33%
83
14.98
Revenue growth%
2.07
0.43
3.40
6.07
5.11
3.80
6.28
6.30
7.51
7.42
5.15
6.30
5.59
58
9.37
NIM%
0.40
3.27
2.06
3.58
0.80
3.06
2.72
1.32
3.54
4.32
5.57
3.06
2.89
60
2.46
Effic. R.%
29.52
32.04
31.80
30.07
29.08
30.14
30.37
32.27
30.71
28.80
7.71
30.37
30.25
42
3.12
Net margin%
26.82
25.64
23.88
22.72
21.19
19.88
21.29
20.51
17.55
17.61
27.24
19.88
21.24
61
36.65
P/E ratio (avg)x
22.37
22.91
21.00
20.53
20.34
20.55
19.01
18.81
18.60
18.26
36.15
18.81
20.44
18
16.57
P/TBVx
17.61
19.90
22.20
25.24
28.13
26.82
27.95
29.28
32.35
32.07
25.89
29.28
27.38
62
15.52
P/Bx
10.42
10.14
10.21
10.30
10.19
10.14
10.26
10.52
10.81
9.794
29.06
10.26
10.23
80
534.5
NIIkr M
457.6
492.3
529.2
553.8
594.6
630.0
693.4
738.4
787.0
833.9
644.6
7.00%
7.24%
—
13.59
NII grth%
12.71
14.61
13.67
15.29
14.25
16.55
18.47
17.44
18.63
20.22
2.32
18.47
15.92
68
24.22
ROTE%
8.88
11.50
8.52
7.89
8.44
11.14
13.77
15.88
18.17
19.42
4.60
15.88
11.32
12
19.24
Return on equity%
11.03
10.27
12.27
11.38
11.44
13.25
15.46
13.44
13.57
14.26
12.07
13.57
12.76
70
27.23
Return on assets%
1.47
1.68
2.70
0.73
0.40
3.08
0.83
2.82
0.40
1.18
10.76
1.18
1.33
34
43.00
EPSkr
15.41
17.74
19.40
22.84
26.57
25.76
30.13
31.46
33.94
38.28
45.64
7.58%
9.65%
—
24.31
EPS growth%
24.63
23.90
22.69
25.36
24.40
21.43
23.26
21.96
22.09
21.64
17.00
21.96
22.97
58
31.55
Bookvalue per shkr
28.69
31.44
29.54
30.12
32.48
35.47
38.59
39.21
42.22
41.57
19.33
5.06%
3.71%
—
19.82
TBV/shkr
44.31
44.76
50.18
56.43
56.43
57.13
59.06
69.03
72.77
88.23
16.28
9.35%
8.06%
—
35.75
Dividend per shkr
22.21
21.41
19.62
19.11
16.37
15.09
13.49
14.61
14.43
15.59
42.26
(0.97%)
(4.23%)
—
22.40
Div yield (avg)%
25.62
26.05
24.40
26.88
29.84
31.92
30.27
30.63
31.49
29.77
8.95
30.63
29.80
89
15.66
Payout ratio%
11.82
10.89
9.27
9.38
9.56
7.04
6.93
8.05
9.77
8.47
2.76
8.05
9.32
22
9.523
Shares (diluted)M
11.58
11.14
12.29
13.65
14.76
16.41
16.98
17.58
20.65
22.90
9.623
9.19%
8.44%
67
17.18
Buyback yield%
18.79
19.17
19.21
17.59
14.84
12.88
12.25
9.57
12.22
10.58
20.93
12.22
13.86
89
33.56
Eq/Assets%
57.51
53.76
55.95
56.49
57.97
56.03
57.91
59.62
56.34
60.51
95.21
57.91
57.00
80
0.623
Assetskr B
2.815
3.097
3.348
3.688
4.008
4.259
4.812
5.188
5.700
6.196
0.771
9.10%
9.22%
41
0.507
LT debtkr B
0.891
1.040
1.000
1.077
1.243
1.320
1.401
1.380
1.414
1.381
0.881
2.12%
4.63%
70
Non-interest expense
7.54%
1.02×
Net interest income
69.46%
Non-interest income
30.54%