86.19
Revenuekr M
494.8
499.1
519.1
543.5
560.6
574.7
587.5
598.4
615.6
622.4
93.15
2.11%
2.53%
10
20.57
Revenue growth%
31.91
30.36
31.45
31.34
29.66
31.97
32.35
31.11
32.39
31.58
7.79
31.97
31.51
71
17.67
NIM%
9.39
12.17
11.35
13.25
10.29
13.00
13.79
12.26
13.39
16.15
13.00
13.39
12.63
29
3.98
Effic. R.%
11.47
11.56
13.77
11.63
14.36
15.74
15.85
14.74
16.70
16.89
22.58
15.85
14.55
78
21.96
Net margin%
25.25
24.58
22.06
23.72
20.87
19.21
21.04
20.22
20.86
18.85
22.18
20.22
20.96
80
30.17
P/E ratio (avg)x
19.85
17.70
18.06
18.32
18.76
19.98
21.02
20.07
21.10
20.49
9.794
20.49
19.91
12
34.58
P/TBVx
31.26
37.41
40.08
44.64
45.78
44.38
43.66
48.59
51.69
55.06
8.919
48.59
44.51
74
8.574
P/Bx
10.14
11.45
13.25
14.68
15.08
17.17
18.15
20.06
22.70
22.81
25.26
20.06
16.13
56
335.7
NIIkr M
347.1
350.4
362.3
386.3
395.8
402.7
416.1
421.4
431.4
436.0
405.6
1.95%
2.54%
—
28.12
NII grth%
6.65
6.82
8.06
9.67
11.25
12.90
12.05
11.52
14.06
17.05
9.23
12.90
11.39
55
20.46
ROTE%
7.58
7.68
5.91
7.74
9.94
11.90
13.20
10.61
12.83
10.89
28.52
11.90
10.28
79
2.88
Return on equity%
19.16
17.45
15.50
16.03
16.73
17.07
15.19
14.54
15.63
13.25
9.45
15.19
15.83
89
19.85
Return on assets%
22.28
23.12
25.05
23.86
21.14
22.24
20.98
19.46
19.96
20.06
29.92
20.06
21.69
10
0.40
EPSkr
0.14
0.12
0.13
0.13
0.14
0.13
0.14
0.14
0.15
0.16
0.45
1.91%
0.24%
—
6.60
EPS growth%
25.07
24.40
23.03
20.22
21.61
19.18
19.54
19.07
17.49
20.03
21.03
19.18
20.12
73
0.63
Bookvalue per shkr
0.36
0.35
0.36
0.38
0.40
0.39
0.42
0.46
0.46
0.46
0.58
3.03%
2.34%
—
0.27
TBV/shkr
0.71
0.75
0.77
0.77
0.69
0.64
0.64
0.59
0.53
0.53
0.36
(5.21%)
(2.39%)
—
0.33
Dividend per shkr
1.17
1.18
1.29
1.45
1.57
1.86
1.89
1.93
2.29
2.44
0.20
9.26%
9.07%
—
11.79
Div yield (avg)%
20.94
20.86
21.27
23.80
23.05
22.46
22.04
19.34
20.84
23.82
27.90
22.04
21.65
23
18.88
Payout ratio%
1.59
0.40
3.22
4.43
2.13
3.59
3.57
5.70
4.39
4.56
21.70
4.39
3.58
27
466.9
Shares (diluted)M
617.0
681.1
654.3
611.3
626.3
651.7
695.9
764.9
765.5
821.5
448.2
5.58%
4.31%
75
21.93
Buyback yield%
4.23
6.57
6.05
5.83
8.27
9.67
7.35
4.90
5.49
8.34
28.80
7.35
6.31
19
117.91
Eq/Assets%
161.35
164.16
155.44
169.61
171.55
159.64
164.91
161.74
178.07
196.98
134.72
164.91
164.53
83
0.269
Assetskr B
0.976
1.040
1.174
1.249
1.321
1.452
1.579
1.749
1.923
2.079
0.507
9.48%
8.74%
40
82.25
LT debtkr M
124.6
124.8
124.9
126.0
116.8
108.5
100.2
99.69
94.71
103.5
102.9
(2.40%)
(2.80%)
12
Non-interest expense
2.49%
1.00×
Net interest income
70.05%
Non-interest income
29.95%
Spread over hurdle
30.27%