140.6
Revenuekr M
302.0
320.6
336.3
353.5
372.6
403.5
424.6
453.6
479.4
514.2
145.9
6.65%
5.95%
81
8.42
Revenue growth%
20.87
19.26
19.40
17.20
15.00
15.39
12.88
11.60
14.42
14.01
2.28
14.01
15.20
10
8.29
NIM%
17.74
17.82
15.19
12.99
11.13
13.01
13.10
14.40
17.08
16.73
22.43
14.40
14.80
65
20.80
Effic. R.%
9.62
7.60
7.15
7.43
7.20
9.44
11.20
11.23
11.25
10.01
16.26
11.20
9.53
75
18.17
Net margin%
13.74
12.12
12.09
15.01
14.06
16.23
14.17
15.94
14.35
14.68
22.11
14.68
14.26
59
6.543
P/E ratio (avg)x
15.90
17.33
18.79
18.69
20.18
22.01
24.04
23.88
28.68
33.84
6.399
24.04
21.10
78
23.89
P/TBVx
32.24
32.27
34.50
34.98
36.77
33.13
30.02
29.73
27.97
29.91
28.85
29.91
32.26
45
32.90
P/Bx
21.22
21.12
21.79
22.93
26.24
28.17
27.74
27.97
27.72
26.17
33.76
27.74
26.21
26
563.5
NIIkr M
234.6
250.7
262.4
277.7
287.7
315.1
328.4
358.3
374.5
398.6
527.4
6.74%
6.00%
—
26.04
NII grth%
17.66
19.76
18.90
19.77
21.68
24.58
26.05
23.06
21.50
21.88
4.13
23.06
21.59
6
28.32
ROTE%
31.05
30.64
29.56
27.61
28.80
27.53
30.02
28.05
30.94
31.25
14.07
30.02
29.79
18
14.65
Return on equity%
11.59
9.65
10.59
13.22
12.66
11.55
9.54
8.51
10.37
13.15
19.59
10.37
11.07
38
23.98
Return on assets%
23.29
21.28
20.51
20.39
20.80
20.59
19.97
22.53
22.04
20.23
9.57
20.59
20.70
42
9.06
EPSkr
12.11
11.30
12.57
13.36
12.64
14.38
15.31
14.91
15.45
16.33
9.97
5.24%
3.69%
—
13.02
EPS growth%
27.20
26.38
27.50
27.61
29.75
30.74
33.64
36.63
34.30
34.42
17.39
34.30
30.25
88
9.26
Bookvalue per shkr
4.94
4.91
4.75
4.19
4.03
3.68
3.89
4.06
4.28
4.23
6.17
0.98%
(1.52%)
—
10.64
TBV/shkr
20.84
20.95
24.67
27.24
27.20
30.08
32.00
37.45
35.91
35.68
14.02
5.58%
5.56%
—
8.34
Dividend per shkr
12.01
13.46
14.00
14.16
15.18
15.08
15.56
16.31
17.78
15.91
15.30
0.95%
2.11%
—
25.03
Div yield (avg)%
24.34
24.27
26.14
27.56
27.42
26.75
25.03
24.73
25.35
27.57
24.56
25.35
25.74
64
20.42
Payout ratio%
14.30
11.97
13.29
12.77
14.06
12.32
12.75
10.19
11.44
10.45
9.43
11.44
12.53
48
22.63
Shares (diluted)M
42.26
49.83
51.95
55.25
58.23
58.70
65.48
77.47
90.22
106.5
22.88
12.84%
10.26%
48
19.28
Buyback yield%
1.49
2.84
1.96
0.40
0.40
0.40
0.40
0.80
0.40
2.90
23.34
0.40
0.60
64
179.37
Eq/Assets%
15.61
16.50
18.18
19.92
21.51
22.09
19.88
20.98
18.76
19.70
128.23
19.88
19.79
14
0.455
Assetskr B
0.709
0.798
0.891
0.965
1.073
1.119
1.220
1.383
1.456
1.571
0.027
7.92%
9.14%
13
350.5
LT debtkr M
429.0
458.6
458.8
487.1
466.2
436.9
477.7
472.3
515.0
468.6
305.9
0.10%
1.89%
26
Non-interest expense
5.91%
1.00×
Net interest income
77.52%
Non-interest income
22.48%