143.5
Revenuekr M
173.5
182.2
189.5
202.7
219.7
231.5
240.4
258.4
274.2
296.6
157.2
6.19%
5.97%
73
11.66
Revenue growth%
14.19
15.49
18.42
19.88
17.37
16.69
15.41
14.92
17.77
18.34
19.93
16.69
17.03
85
2.68
NIM%
2.82
3.41
4.15
2.28
2.02
0.40
2.71
0.48
1.95
1.75
5.38
1.75
2.15
90
16.31
Effic. R.%
26.00
25.41
27.90
30.27
27.71
30.40
29.15
30.03
28.87
26.17
11.68
29.15
28.38
87
16.61
Net margin%
19.31
17.71
17.63
17.42
20.07
18.32
15.98
15.86
14.25
11.43
3.83
15.86
17.53
39
19.00
P/E ratio (avg)x
28.68
31.84
35.62
37.89
40.94
43.48
38.73
36.17
37.00
41.34
12.59
38.73
37.44
6
7.903
P/TBVx
17.39
15.65
15.31
14.72
16.11
16.51
15.86
16.12
14.26
13.41
18.42
15.86
15.76
37
21.85
P/Bx
11.49
10.63
10.10
9.773
8.723
9.363
8.167
8.706
9.312
8.489
12.65
8.706
9.338
39
81.53
NIIkr M
134.6
140.3
147.0
154.1
167.6
179.3
183.5
199.2
212.5
225.5
223.8
6.11%
5.91%
—
3.59
NII grth%
16.01
13.36
16.14
18.71
16.52
13.66
16.02
16.62
19.29
21.95
2.08
16.62
16.33
81
7.46
ROTE%
21.17
18.93
17.94
19.32
19.11
20.96
21.67
19.67
19.22
18.08
5.47
19.67
19.27
90
26.34
Return on equity%
11.29
10.02
8.83
6.05
4.73
3.49
2.95
2.53
2.05
3.69
22.55
2.95
4.21
60
2.60
Return on assets%
6.40
8.06
8.18
10.99
10.65
8.13
6.12
5.43
4.65
2.96
22.15
5.43
7.23
90
9.47
EPSkr
3.32
2.84
2.65
2.58
2.27
1.94
1.64
1.51
1.62
1.59
10.08
(6.88%)
(7.27%)
—
26.60
EPS growth%
23.94
21.56
19.01
17.12
18.16
18.50
18.20
19.80
21.55
23.00
8.23
19.80
19.40
61
10.04
Bookvalue per shkr
13.40
12.97
12.95
12.86
12.69
13.56
14.35
15.44
13.58
12.47
10.03
(0.34%)
(0.59%)
—
28.34
TBV/shkr
37.77
36.41
34.80
34.68
36.12
42.58
47.42
50.83
53.48
59.86
26.53
10.63%
5.46%
—
11.90
Dividend per shkr
13.66
13.83
13.52
12.17
11.65
10.93
11.71
12.73
13.50
12.84
19.49
1.96%
0.45%
—
15.88
Div yield (avg)%
24.68
22.03
21.75
23.40
22.29
20.80
23.59
23.17
23.29
20.32
19.00
23.17
22.73
84
27.38
Payout ratio%
13.78
15.55
16.81
19.38
20.03
22.22
23.38
20.61
22.29
23.14
20.47
22.29
20.32
78
5.631
Shares (diluted)M
6.214
6.679
6.766
6.860
7.047
8.057
8.493
9.922
11.01
10.93
5.678
9.18%
5.96%
25
9.47
Buyback yield%
9.83
12.10
11.30
10.70
9.85
12.57
15.05
12.60
9.80
8.18
28.53
12.57
11.00
8
34.15
Eq/Assets%
140.73
153.31
148.84
133.40
134.86
129.67
143.45
134.53
147.03
139.00
69.38
139.00
139.87
10
0.147
Assetskr B
0.479
0.525
0.545
0.597
0.666
0.733
0.796
0.859
0.935
1.004
0.161
8.57%
8.36%
49
41.91
LT debtkr M
349.5
408.9
497.0
499.7
529.5
639.0
685.0
793.3
806.4
881.8
217.3
10.74%
10.88%
79
Non-interest expense
5.92%
0.99×
Net interest income
76.01%
Non-interest income
23.99%