0.785
Revenuekr B
6.289
6.634
7.173
7.745
8.188
8.832
9.661
10.42
11.43
12.47
0.872
8.77%
8.09%
53
25.25
Revenue growth%
17.33
15.90
16.19
17.85
17.68
19.47
18.60
21.55
22.51
21.19
15.90
21.19
18.22
20
28.95
NIM%
26.83
26.69
26.47
26.75
27.59
30.13
29.14
26.53
27.19
28.89
29.99
28.89
27.01
39
23.93
Effic. R.%
14.80
16.43
17.44
16.24
17.60
15.07
13.21
13.35
10.50
9.70
17.51
13.21
14.94
58
2.70
Net margin%
1.88
1.02
2.54
3.18
1.02
1.80
0.99
2.38
2.79
0.40
7.17
1.80
1.84
61
22.12
P/E ratio (avg)x
31.31
26.59
28.54
26.89
23.17
21.75
19.17
18.02
16.15
14.51
23.97
18.02
22.46
45
9.111
P/TBVx
21.89
22.32
25.15
26.03
27.61
26.96
27.58
30.52
31.32
34.24
24.16
30.52
27.27
47
22.41
P/Bx
55.13
55.11
64.11
65.83
66.36
66.11
68.40
66.81
71.56
69.55
14.11
68.40
66.23
80
11.95
NIIkr B
3.530
3.764
4.088
4.360
4.648
5.051
5.461
5.876
6.569
7.085
9.547
8.80%
8.00%
—
18.30
NII grth%
35.79
36.28
35.48
32.77
33.91
33.06
35.66
38.28
35.73
33.60
2.81
35.66
35.57
73
10.10
ROTE%
0.88
0.40
2.55
2.71
0.40
0.40
0.40
1.20
2.70
3.18
4.37
1.20
1.04
22
15.06
Return on equity%
14.98
15.90
14.39
15.45
13.06
11.15
12.72
15.25
15.67
18.24
14.78
15.25
15.11
64
5.16
Return on assets%
12.46
11.03
8.90
11.63
10.71
10.94
10.12
12.59
11.06
9.78
16.56
10.94
10.98
58
1.88
EPSkr
2.49
2.42
2.30
2.08
2.10
1.82
1.73
1.57
1.64
1.69
2.04
(4.23%)
(5.33%)
—
4.20
EPS growth%
24.68
26.22
23.34
24.68
27.06
25.51
26.36
23.94
25.99
26.50
20.95
25.99
25.75
28
1.18
Bookvalue per shkr
2.60
2.81
2.92
3.30
3.13
3.22
3.03
3.06
3.38
3.78
2.52
3.86%
4.31%
—
1.39
TBV/shkr
4.11
4.17
4.15
4.07
4.55
5.43
5.49
6.40
6.27
6.87
1.74
8.58%
6.81%
—
1.84
Dividend per shkr
0.81
0.74
0.78
0.80
0.80
0.80
0.87
0.91
0.96
1.02
1.83
4.97%
2.72%
—
7.77
Div yield (avg)%
9.35
7.21
5.78
3.08
2.85
4.22
2.67
0.40
0.40
0.57
26.74
0.57
2.97
24
25.62
Payout ratio%
0.92
2.70
0.40
0.40
0.40
0.40
2.41
0.40
0.40
0.40
22.24
0.40
0.40
68
4.351
Shares (diluted)B
5.361
5.774
4.917
4.864
4.823
4.620
4.731
4.458
4.115
4.283
4.331
(2.34%)
(1.73%)
67
11.07
Buyback yield%
13.27
13.06
11.06
10.15
7.56
6.59
4.75
6.82
8.30
9.99
14.16
6.82
9.15
90
35.15
Eq/Assets%
127.90
136.68
139.06
137.18
150.63
156.41
151.85
172.36
186.91
206.30
151.67
172.36
151.24
53
3.362
Assetskr B
27.08
29.71
31.95
34.06
37.44
39.78
43.79
45.62
50.99
52.77
7.426
7.10%
8.11%
86
2.391
LT debtkr B
12.09
12.87
13.47
12.01
10.49
9.997
9.513
8.601
8.476
7.469
8.907
(6.57%)
(4.17%)
13
Non-interest expense
8.16%
1.01×
Net interest income
56.83%
Non-interest income
43.17%