51.41
Revenuekr M
168.5
178.3
192.9
206.3
219.4
236.0
256.9
271.1
293.4
315.7
52.98
7.55%
7.12%
74
11.19
Revenue growth%
11.42
12.72
9.89
9.24
7.48
7.51
9.86
11.73
10.43
9.51
10.61
9.86
9.87
29
22.20
NIM%
23.88
24.40
26.04
23.28
21.46
19.39
22.11
23.56
21.36
23.36
16.62
22.11
23.32
63
24.49
Effic. R.%
29.93
29.01
29.21
28.53
29.92
27.22
25.47
24.23
24.26
24.32
4.14
24.32
27.87
62
19.99
Net margin%
8.19
9.87
11.85
9.49
12.28
10.50
9.00
8.64
11.64
12.23
24.32
10.50
10.19
64
25.94
P/E ratio (avg)x
12.93
15.00
15.00
15.11
14.31
14.29
16.04
15.81
15.48
14.55
29.29
15.48
15.00
50
6.440
P/TBVx
9.502
10.03
10.28
10.66
10.64
10.79
10.47
11.50
11.88
10.63
11.39
10.79
10.64
83
29.34
P/Bx
32.77
34.84
35.71
39.87
40.56
39.60
42.58
43.72
48.53
52.69
13.12
43.72
40.21
19
161.0
NIIkr M
126.3
134.5
142.9
153.6
165.7
177.2
193.5
203.4
218.3
236.1
176.6
7.34%
7.04%
—
28.94
NII grth%
24.17
21.99
21.59
23.46
25.82
24.82
24.36
22.38
23.64
25.82
9.17
24.36
23.90
63
27.88
ROTE%
26.71
28.94
31.33
29.14
26.70
25.56
28.51
31.16
29.98
29.18
11.68
29.18
29.04
94
10.36
Return on equity%
18.40
19.91
22.18
25.13
24.02
21.27
21.80
20.67
18.99
20.46
5.68
20.67
20.97
28
22.07
Return on assets%
1.70
0.89
0.40
1.14
1.00
0.40
0.40
0.96
0.40
0.67
5.78
0.40
0.78
35
55.82
EPSkr
34.34
35.34
39.13
39.12
36.95
35.87
32.72
35.55
37.94
33.82
61.65
(1.76%)
0.02%
—
22.12
EPS growth%
14.64
16.86
19.86
21.94
24.12
25.05
27.87
29.36
32.24
33.00
20.45
29.36
24.59
18
47.80
Bookvalue per shkr
38.00
40.83
38.26
33.63
29.72
25.39
24.59
24.93
24.13
22.11
43.58
(5.75%)
(5.98%)
—
20.75
TBV/shkr
15.28
16.71
18.02
19.50
20.61
19.88
19.05
19.67
18.53
16.90
18.28
(3.90%)
0.06%
—
36.15
Dividend per shkr
48.95
48.44
58.72
70.39
72.39
73.15
89.12
101.23
120.58
128.40
40.02
12.14%
10.40%
—
17.66
Div yield (avg)%
18.09
18.34
17.84
16.57
17.46
15.80
16.89
17.53
15.03
15.42
16.30
15.80
17.17
45
22.54
Payout ratio%
0.40
0.40
0.40
0.40
2.90
0.40
1.90
4.28
6.26
6.11
18.65
4.28
1.15
13
4.515
Shares (diluted)M
7.062
7.436
7.085
7.843
8.316
9.853
10.34
11.97
13.68
14.25
4.592
11.37%
8.57%
57
2.39
Buyback yield%
27.58
25.62
27.51
29.29
30.20
29.37
26.96
26.25
26.73
24.30
2.45
26.73
27.24
45
166.23
Eq/Assets%
182.40
170.03
156.93
158.54
155.63
172.18
186.49
209.71
233.72
249.34
99.70
209.71
177.29
41
195.8
Assetskr M
407.8
450.5
505.7
542.4
612.7
635.1
675.3
729.9
765.7
871.6
34.40
7.30%
8.55%
62
247.2
LT debtkr M
29.03
26.59
29.03
27.03
23.92
22.98
25.31
28.09
29.86
28.31
247.7
3.43%
0.80%
52
Non-interest expense
6.88%
0.98×
Net interest income
74.80%
Non-interest income
25.20%
Spread over hurdle
19.43%