93.00
Revenuekr M
70.03
75.39
79.34
82.63
87.15
93.39
100.8
108.0
115.7
120.2
102.7
6.64%
6.28%
31
20.70
Revenue growth%
14.15
14.34
14.73
14.33
17.03
18.28
19.68
17.09
17.30
16.82
20.26
17.30
16.93
81
17.80
NIM%
15.35
14.45
16.89
14.02
12.97
13.93
15.76
13.52
10.64
12.30
25.30
13.52
13.97
86
10.25
Effic. R.%
31.88
32.75
33.13
31.80
33.92
36.66
35.87
38.57
37.95
38.73
6.35
37.95
34.90
93
27.14
Net margin%
31.45
33.28
32.69
30.62
31.41
31.84
33.32
35.73
33.57
35.92
14.03
33.57
32.99
45
10.98
P/E ratio (avg)x
9.144
9.962
9.363
10.12
10.31
10.64
9.842
8.670
7.791
6.851
15.28
8.670
9.603
73
30.21
P/TBVx
27.69
29.78
32.80
33.46
37.88
36.95
44.02
44.43
51.49
55.98
18.90
44.43
37.41
7
21.24
P/Bx
23.07
25.42
29.78
28.79
30.26
29.46
30.61
33.51
36.44
41.19
30.29
33.51
30.02
82
57.99
NIIkr M
38.99
42.15
43.29
45.99
48.82
51.00
56.02
60.48
63.32
67.48
57.94
6.69%
6.24%
—
5.98
NII grth%
16.60
16.23
13.49
11.14
8.17
7.20
5.15
2.31
3.63
6.34
28.56
5.15
7.69
67
9.29
ROTE%
8.00
7.27
8.14
9.28
10.70
8.35
8.96
10.77
8.60
11.34
26.45
8.96
8.78
58
2.05
Return on equity%
34.94
32.40
31.07
30.92
30.89
29.85
32.21
30.18
30.02
29.52
20.56
30.02
30.91
49
3.64
Return on assets%
9.23
9.46
10.49
12.59
15.28
13.82
11.80
13.14
12.84
15.73
14.45
13.14
12.71
17
35.98
EPSkr
10.79
11.21
10.42
10.28
9.32
9.90
10.94
10.39
9.48
9.60
37.72
0.59%
(1.51%)
—
19.90
EPS growth%
0.64
0.40
0.44
0.40
1.16
4.10
2.92
3.70
6.07
7.17
13.25
4.10
2.04
50
7.92
Bookvalue per shkr
42.03
41.30
41.78
49.48
54.08
61.08
68.17
80.36
85.32
92.68
23.26
11.38%
10.10%
—
12.38
TBV/shkr
24.93
26.43
25.39
26.97
28.15
26.55
27.23
29.74
33.50
32.67
27.89
3.02%
4.28%
—
30.59
Dividend per shkr
12.23
11.79
11.26
11.00
11.09
11.66
11.34
11.16
11.15
12.25
31.71
2.00%
(0.23%)
—
5.88
Div yield (avg)%
21.70
19.72
21.84
20.00
22.24
21.82
23.89
21.18
23.33
23.33
2.18
23.33
21.83
66
27.22
Payout ratio%
3.24
3.89
5.96
8.78
11.32
10.89
9.50
9.37
7.93
10.09
20.02
9.50
9.07
62
3.016
Shares (diluted)M
2.953
2.663
3.005
3.222
3.268
3.123
3.347
3.467
3.503
3.501
3.032
1.39%
2.60%
32
29.23
Buyback yield%
6.18
3.77
4.76
6.16
5.51
7.38
7.09
9.04
9.83
12.73
3.72
9.04
6.63
5
32.66
Eq/Assets%
45.25
49.88
49.42
53.23
53.08
55.18
57.01
57.17
66.48
66.95
176.78
57.17
54.21
85
77.43
Assetskr M
114.5
119.7
125.4
139.4
152.7
169.0
188.7
198.4
219.1
239.4
83.30
9.41%
8.20%
8
132.5
LT debtkr M
76.84
75.07
81.41
76.73
72.26
68.51
58.38
62.34
67.17
57.35
47.64
(4.52%)
(2.57%)
60
Non-interest expense
6.48%
1.02×
Net interest income
56.14%
Non-interest income
43.86%