17.66
Revenuekr M
18.12
19.81
21.74
23.18
24.72
26.62
28.71
31.47
34.11
37.38
18.85
8.63%
8.54%
88
27.96
Revenue growth%
24.51
27.30
27.06
26.43
25.94
23.36
25.65
23.88
24.09
25.44
26.49
24.09
25.54
9
6.48
NIM%
16.48
14.61
17.43
15.70
15.44
18.20
17.76
17.96
19.51
21.36
21.22
18.20
17.60
24
23.81
Effic. R.%
29.81
31.32
32.18
30.65
33.28
35.85
36.03
33.14
33.48
32.71
10.27
33.48
32.93
59
20.46
Net margin%
26.24
25.69
28.68
26.67
26.15
27.00
28.02
27.65
24.74
23.83
14.67
27.00
26.45
21
21.18
P/E ratio (avg)x
39.13
39.38
37.35
32.73
29.62
26.10
25.13
23.54
22.70
21.41
34.80
23.54
27.86
62
20.15
P/TBVx
19.85
22.07
22.13
22.69
21.28
20.54
19.80
21.04
21.80
19.84
23.61
20.54
21.16
90
8.778
P/Bx
21.25
20.66
20.46
23.80
26.19
25.56
26.52
30.83
30.11
29.45
33.68
29.45
25.88
18
14.10
NIIkr M
12.51
13.44
14.93
15.82
16.75
18.44
19.54
21.42
23.40
25.67
18.76
8.92%
8.42%
—
21.96
NII grth%
2.24
0.40
1.54
0.40
0.40
1.92
4.38
4.82
6.54
6.46
26.77
4.82
2.08
45
6.56
ROTE%
0.40
0.93
0.40
0.40
1.21
0.40
0.40
0.40
0.40
1.42
11.59
0.40
0.40
91
4.93
Return on equity%
28.05
25.16
22.84
20.24
18.77
21.42
21.64
22.16
22.58
23.95
15.89
22.16
22.37
60
15.09
Return on assets%
10.79
9.36
6.75
7.55
9.66
10.24
12.58
10.60
13.30
14.24
10.95
12.58
10.42
59
7.12
EPSkr
22.48
22.40
22.99
23.12
23.31
20.24
21.80
23.09
22.10
21.17
7.88
(1.91%)
(1.35%)
—
28.21
EPS growth%
0.40
2.50
4.76
3.15
4.07
2.64
2.65
0.54
0.41
0.64
3.54
0.64
2.57
8
23.32
Bookvalue per shkr
16.47
15.60
14.49
15.40
15.77
16.12
16.60
17.86
17.38
18.22
4.07
2.92%
1.88%
—
15.48
TBV/shkr
6.22
6.57
7.52
8.29
9.70
9.61
10.25
11.02
12.67
15.12
8.11
9.28%
9.95%
—
24.97
Dividend per shkr
15.51
15.72
16.86
18.43
17.43
15.53
14.02
15.39
14.62
13.42
14.65
(5.10%)
(1.49%)
—
14.77
Div yield (avg)%
19.02
19.00
16.37
17.65
20.05
17.43
15.73
15.88
18.20
20.36
7.61
17.43
17.92
65
26.90
Payout ratio%
8.79
7.03
6.99
5.73
5.37
3.88
3.55
1.65
0.40
0.40
28.21
1.65
4.62
12
0.668
Shares (diluted)M
0.819
0.801
0.889
1.025
1.005
1.178
1.208
1.330
1.382
1.486
0.672
8.13%
6.49%
35
5.95
Buyback yield%
18.62
21.16
22.58
20.44
20.94
18.91
16.83
14.34
13.25
15.48
8.37
15.48
18.76
36
98.99
Eq/Assets%
74.81
82.29
73.95
81.34
77.69
76.86
84.73
86.23
91.12
87.52
89.58
86.23
81.82
78
22.73
Assetskr M
69.62
73.79
78.61
86.29
90.43
99.09
102.1
109.0
115.7
128.4
7.914
7.26%
6.74%
40
18.81
LT debtkr M
23.88
23.93
25.67
27.14
26.88
24.46
25.41
24.27
24.08
23.51
1.829
(2.65%)
1.07%
10
Non-interest expense
8.58%
1.00×
Net interest income
68.66%
Non-interest income
31.34%
Spread over hurdle
10.94%