2.965
Revenuekr B
3.845
4.232
4.695
5.002
5.350
5.896
6.507
6.897
7.422
8.234
3.130
9.01%
8.84%
54
14.23
Revenue growth%
32.82
34.86
33.39
31.80
30.45
29.92
29.65
28.69
31.26
31.17
28.05
29.92
31.22
90
10.36
NIM%
22.60
20.64
21.52
22.67
24.92
23.53
25.75
24.71
24.34
22.93
16.85
24.34
23.23
73
25.08
Effic. R.%
11.22
10.62
12.83
14.76
14.80
14.91
14.58
16.36
14.91
14.21
18.15
14.91
14.67
8
26.53
Net margin%
26.08
28.03
27.47
28.25
26.75
26.48
24.80
26.04
27.87
29.68
22.55
26.48
27.11
89
23.05
P/E ratio (avg)x
10.13
9.856
9.549
8.652
9.585
10.12
10.65
9.994
9.598
8.953
24.10
9.994
9.727
94
21.20
P/TBVx
54.36
56.52
61.80
74.62
77.33
79.74
86.72
85.93
90.95
106.4
15.43
86.72
78.54
38
26.02
P/Bx
18.12
18.28
18.80
18.15
17.67
15.60
16.33
15.63
15.99
16.37
16.50
15.99
17.02
6
6.161
NIIkr B
2.688
2.956
3.312
3.565
3.796
4.131
4.568
4.882
5.210
5.855
5.624
9.05%
9.03%
—
21.90
NII grth%
13.12
13.66
13.39
14.09
16.62
18.45
17.55
18.71
20.36
20.48
23.47
18.71
17.09
66
21.28
ROTE%
2.77
0.40
1.47
3.18
4.85
6.15
3.28
3.58
2.79
1.00
8.13
3.28
2.98
48
4.35
Return on equity%
13.07
11.60
10.69
8.92
6.58
5.06
5.77
5.81
6.42
6.61
19.96
5.81
6.60
75
9.80
Return on assets%
24.73
25.43
24.60
26.25
27.57
24.80
25.24
26.72
25.79
23.45
28.05
25.24
25.33
9
7.61
EPSkr
28.29
27.52
26.61
29.80
28.52
30.42
31.61
34.56
33.92
37.88
8.31
5.84%
4.16%
—
24.54
EPS growth%
2.80
4.81
2.34
2.64
4.74
2.94
2.05
2.83
1.49
1.25
17.06
2.05
2.72
45
14.67
Bookvalue per shkr
9.70
8.82
9.70
10.71
11.30
10.90
10.32
11.47
11.34
10.13
18.87
(2.17%)
(0.79%)
—
9.68
TBV/shkr
9.52
10.31
10.40
12.06
12.77
13.92
14.45
16.88
17.75
17.29
4.40
6.25%
7.11%
—
11.98
Dividend per shkr
16.41
14.21
12.60
13.11
13.64
13.18
11.85
12.38
13.49
12.18
18.62
(2.23%)
(3.16%)
—
17.83
Div yield (avg)%
5.30
5.83
3.43
1.08
2.40
1.24
2.10
0.40
0.40
0.40
4.51
0.40
1.67
38
18.68
Payout ratio%
7.42
9.14
7.53
8.06
5.87
8.71
9.21
10.42
11.22
13.19
13.38
10.42
8.93
55
141.0
Shares (diluted)M
137.8
140.2
154.9
167.3
183.6
179.4
178.8
184.8
172.5
164.2
145.8
(2.21%)
2.27%
53
8.82
Buyback yield%
16.01
16.97
14.09
13.13
13.69
11.44
10.03
7.29
8.47
8.59
26.71
8.59
12.28
58
152.92
Eq/Assets%
60.02
65.45
73.60
80.29
90.84
91.16
108.32
125.29
147.40
164.50
178.54
125.29
91.00
72
1.782
Assetskr B
4.435
4.771
5.234
5.937
6.437
6.865
7.733
8.422
9.237
9.784
5.474
8.73%
9.26%
92
0.908
LT debtkr B
3.489
3.273
3.105
2.718
2.656
2.815
2.810
2.495
2.442
2.378
3.076
(2.18%)
(3.99%)
39
Non-interest expense
8.58%
0.98×
Net interest income
71.10%
Non-interest income
28.90%