95.39
Revenuekr M
101.7
104.4
107.7
111.5
115.4
118.1
122.0
123.7
125.5
125.7
101.3
1.73%
2.26%
52
21.69
Revenue growth%
14.08
13.83
12.04
10.82
11.51
13.45
12.76
13.87
14.32
15.31
18.99
13.87
13.64
85
11.41
NIM%
7.44
7.26
7.34
5.82
6.24
6.41
9.36
7.05
7.78
10.43
20.27
7.78
7.30
6
6.79
Effic. R.%
20.92
21.26
18.60
16.52
15.29
17.65
15.97
16.82
19.25
21.11
24.79
17.65
18.12
82
23.81
Net margin%
15.64
16.01
15.35
16.53
18.28
20.92
21.73
19.76
18.50
16.77
22.65
19.76
17.53
63
32.64
P/E ratio (avg)x
8.195
7.884
7.361
7.640
7.121
6.953
7.436
7.476
8.104
8.406
31.16
7.476
7.558
58
26.57
P/TBVx
35.91
38.00
42.11
41.54
46.07
49.25
53.47
51.28
53.15
59.85
23.89
53.15
47.66
34
11.86
P/Bx
9.068
8.174
8.751
9.195
9.274
9.231
9.263
9.210
8.584
8.052
7.055
9.210
9.132
87
76.26
NIIkr M
66.23
67.45
71.03
72.26
73.95
77.78
79.73
79.98
81.67
81.26
26.40
1.90%
2.21%
—
26.40
NII grth%
21.76
24.04
24.41
22.74
23.58
20.60
22.66
23.85
24.51
22.70
29.07
22.70
23.16
53
15.59
ROTE%
23.46
24.73
22.63
23.60
21.54
20.37
17.68
15.81
18.24
18.33
24.42
18.24
20.96
49
25.13
Return on equity%
30.68
31.57
29.65
28.09
28.60
28.80
27.33
30.23
27.38
27.61
3.64
27.61
28.70
54
3.59
Return on assets%
5.17
4.99
3.47
4.29
5.93
5.20
2.97
4.97
5.79
3.42
20.82
4.97
4.98
75
27.21
EPSkr
9.66
10.29
9.66
9.36
10.03
11.30
10.83
10.26
11.22
12.26
30.25
4.09%
2.26%
—
20.03
EPS growth%
12.22
10.74
8.02
7.75
10.27
12.68
12.00
12.58
12.11
12.48
23.55
12.48
12.05
36
28.08
Bookvalue per shkr
6.65
6.86
7.11
7.71
8.33
8.12
7.46
7.73
7.90
8.65
19.87
0.75%
3.25%
—
12.10
TBV/shkr
35.16
41.55
45.04
54.28
52.58
63.05
64.00
73.94
78.35
90.72
21.92
11.53%
11.32%
—
20.14
Dividend per shkr
14.33
14.80
16.46
18.15
21.06
23.79
23.65
28.57
29.82
34.02
25.45
10.07%
9.14%
—
2.14
Div yield (avg)%
15.15
15.84
18.55
19.23
18.08
16.51
17.63
18.92
17.19
15.45
11.06
17.19
17.41
57
29.43
Payout ratio%
16.85
17.83
20.35
18.90
17.05
14.90
16.80
18.34
16.97
14.22
25.85
16.80
17.01
75
2.798
Shares (diluted)M
2.969
2.939
2.949
3.258
3.353
3.236
3.532
3.269
3.173
3.070
2.828
(1.75%)
1.15%
72
4.11
Buyback yield%
8.95
7.74
6.37
8.44
6.35
8.27
7.95
5.79
6.76
9.70
2.75
7.95
7.84
72
49.90
Eq/Assets%
202.16
208.48
242.32
276.37
323.05
388.92
445.00
448.93
436.81
491.84
20.89
445.00
355.99
83
93.35
Assetskr M
133.7
147.2
155.5
165.2
178.9
201.4
220.9
241.2
270.4
296.7
72.74
10.65%
9.01%
29
30.33
LT debtkr M
6.318
6.537
6.862
6.418
6.204
5.743
5.452
5.124
5.242
5.536
59.87
(2.26%)
(1.24%)
23
Non-interest expense
2.20%
0.99×
Net interest income
64.66%
Non-interest income
35.34%
Spread over hurdle
48.16%