68.77
Revenuekr M
88.16
90.21
89.52
91.17
93.31
96.99
97.88
100.4
101.0
102.2
73.33
1.83%
1.52%
22
17.62
Revenue growth%
9.79
7.04
6.80
9.53
11.46
8.72
9.36
7.19
4.96
4.05
20.21
7.19
7.95
42
8.82
NIM%
30.20
28.77
31.24
30.95
30.47
29.79
28.92
31.92
31.90
30.69
28.37
30.69
30.58
69
24.72
Effic. R.%
23.56
22.90
24.28
23.25
21.19
21.35
23.73
25.45
26.13
27.92
16.19
25.45
23.64
19
28.96
Net margin%
14.72
12.42
14.99
13.78
16.46
14.19
15.27
13.53
11.21
8.26
27.67
13.53
13.99
20
22.34
P/E ratio (avg)x
13.57
15.50
16.33
17.25
17.91
20.02
22.03
21.18
20.72
24.36
13.39
21.18
18.97
71
20.93
P/TBVx
16.95
19.23
20.96
22.96
25.32
25.61
27.09
25.68
27.05
26.27
10.15
26.27
25.46
61
13.51
P/Bx
23.55
27.19
27.56
28.55
27.67
31.20
35.24
39.12
42.75
44.19
24.76
39.12
29.88
49
59.97
NIIkr M
49.33
51.15
49.36
51.03
52.03
53.76
55.60
57.31
57.44
57.75
42.05
2.11%
1.69%
—
15.05
NII grth%
17.48
15.04
16.34
19.15
16.34
17.45
18.53
19.01
16.58
18.01
29.12
18.01
17.46
72
18.91
ROTE%
2.70
4.85
5.05
2.43
1.04
1.83
0.40
0.40
0.74
0.82
9.28
0.74
1.44
34
23.09
Return on equity%
7.64
9.55
11.95
12.35
14.73
16.13
14.50
13.49
14.55
12.05
13.38
14.50
12.92
69
9.02
Return on assets%
9.63
12.50
10.21
9.29
8.64
11.26
13.68
13.15
11.69
10.57
26.55
11.69
10.92
16
0.35
EPSkr
0.44
0.53
0.61
0.72
0.80
0.85
0.91
0.93
0.97
1.10
0.38
6.77%
9.76%
—
25.35
EPS growth%
9.61
10.62
12.71
15.03
17.48
16.99
18.66
18.58
15.61
14.61
8.79
16.99
15.32
76
0.94
Bookvalue per shkr
1.01
0.97
1.00
1.18
1.33
1.39
1.37
1.56
1.79
1.88
0.74
7.15%
6.35%
—
1.25
TBV/shkr
1.08
1.13
1.18
1.17
1.33
1.36
1.30
1.38
1.56
1.61
0.91
4.01%
5.30%
—
1.32
Dividend per shkr
1.57
1.46
1.47
1.68
1.59
1.60
1.47
1.55
1.65
1.54
0.65
(0.68%)
0.72%
—
27.95
Div yield (avg)%
16.15
16.47
16.62
14.50
15.34
12.81
14.40
17.23
18.34
17.84
20.10
17.23
16.31
51
3.59
Payout ratio%
24.46
24.10
26.89
26.44
29.10
29.69
31.58
29.39
29.94
30.45
3.83
29.94
29.25
20
42.18
Shares (diluted)M
35.22
37.19
35.31
36.26
39.57
43.09
42.69
44.01
45.37
48.23
41.23
4.03%
3.55%
70
8.87
Buyback yield%
12.67
10.04
9.05
10.62
12.84
9.87
11.58
12.88
15.66
17.40
9.42
12.88
12.12
70
17.76
Eq/Assets%
13.05
12.74
12.95
13.70
15.08
14.23
14.41
14.45
15.61
16.83
123.75
14.45
14.32
84
91.21
Assetskr M
242.1
260.0
285.3
311.5
347.5
380.5
414.2
443.9
473.7
503.4
13.97
7.69%
8.84%
16
52.14
LT debtkr M
24.17
26.68
29.86
30.08
36.13
38.86
44.15
51.19
52.38
57.98
91.85
9.92%
11.13%
78
Non-interest expense
1.42%
0.99×
Net interest income
56.53%
Non-interest income
43.47%