157.6
Revenuekr M
105.1
108.8
111.7
116.3
118.9
118.1
118.4
120.0
119.5
120.9
166.8
0.33%
1.55%
35
10.69
Revenue growth%
24.35
23.27
21.08
23.73
23.64
26.24
25.91
23.86
25.98
23.23
19.60
25.91
23.79
75
28.20
NIM%
18.59
18.90
16.06
18.90
17.67
18.90
16.36
18.78
17.28
18.82
2.06
18.78
18.69
7
29.20
Effic. R.%
12.59
14.33
15.20
12.36
13.48
13.33
11.70
12.81
11.48
9.66
25.95
11.70
12.70
53
18.38
Net margin%
11.71
12.43
14.77
16.27
18.51
16.10
15.31
13.38
11.96
10.70
27.68
13.38
14.08
52
9.752
P/E ratio (avg)x
41.50
43.08
48.18
44.19
41.54
43.58
40.09
40.74
45.24
42.69
21.78
42.69
42.89
14
15.88
P/TBVx
25.62
26.95
26.92
27.05
27.02
27.15
30.42
34.83
35.53
33.99
35.38
33.99
27.10
86
23.95
P/Bx
8.201
7.228
6.526
6.558
5.675
5.933
5.235
4.744
4.635
4.673
14.31
4.744
5.804
41
78.24
NIIkr M
61.04
62.75
63.58
65.95
68.89
67.37
67.86
68.47
69.33
68.59
78.76
(0.09%)
1.27%
—
11.35
NII grth%
0.90
0.99
0.40
0.40
1.78
3.28
5.79
5.39
4.00
2.15
11.42
4.00
1.97
43
25.11
ROTE%
25.49
23.85
21.40
22.24
23.24
22.87
23.00
23.41
21.26
21.61
25.65
22.87
22.94
76
12.05
Return on equity%
10.45
7.88
6.06
4.24
1.29
3.49
3.40
0.44
0.40
0.40
22.51
0.44
3.45
37
21.12
Return on assets%
35.80
38.44
41.15
40.34
41.68
43.72
43.29
44.83
47.49
49.25
7.30
44.83
42.48
33
7.02
EPSkr
12.59
12.66
13.57
14.29
14.77
15.39
17.36
19.62
22.95
27.46
7.65
13.21%
8.42%
—
7.65
EPS growth%
1.29
4.26
4.13
5.28
7.96
8.33
7.35
6.68
4.59
3.22
3.98
6.68
4.93
8
8.26
Bookvalue per shkr
10.95
12.29
14.52
13.89
14.75
17.40
19.99
21.29
22.96
22.76
11.25
9.06%
8.61%
—
15.89
TBV/shkr
16.05
16.12
16.80
17.96
17.69
18.25
17.38
16.50
17.11
19.22
17.01
1.68%
1.30%
—
9.45
Dividend per shkr
12.91
13.83
13.79
13.41
13.80
13.07
12.81
14.05
13.97
14.62
12.87
1.16%
1.45%
—
22.94
Div yield (avg)%
9.44
11.09
12.67
13.58
13.28
14.90
15.72
17.18
14.71
17.43
11.65
15.72
14.14
32
2.48
Payout ratio%
21.02
18.36
15.85
13.83
13.79
14.05
11.23
9.41
10.55
10.37
28.66
10.55
13.81
43
2.805
Shares (diluted)M
2.817
2.487
2.325
2.130
2.146
2.133
2.075
1.840
1.655
1.577
2.818
(5.98%)
(6.67%)
51
19.58
Buyback yield%
1.66
3.85
0.90
0.52
0.40
2.45
5.17
5.93
5.76
7.99
15.28
5.76
3.15
56
23.08
Eq/Assets%
93.39
98.89
103.37
114.14
124.60
140.81
136.60
139.10
156.55
162.12
45.86
140.81
130.60
90
102.6
Assetskr M
147.0
152.0
165.7
189.4
193.1
214.6
224.1
242.4
272.0
285.8
54.64
8.15%
8.14%
59
130.3
LT debtkr M
103.5
90.18
95.68
90.25
79.21
84.53
74.16
80.59
84.58
79.24
98.06
0.01%
(2.41%)
49
Non-interest expense
1.44%
0.99×
Net interest income
56.73%
Non-interest income
43.27%