50.20
Revenuekr M
31.77
33.59
34.26
36.07
37.93
39.30
41.27
42.45
43.96
45.10
53.05
3.53%
4.13%
14
12.94
Revenue growth%
17.47
17.24
17.72
19.29
21.34
21.29
23.31
24.53
25.10
22.52
11.81
23.31
21.32
17
15.87
NIM%
14.34
15.43
15.62
14.13
15.58
13.53
11.28
12.81
11.48
13.47
6.17
12.81
13.83
36
5.90
Effic. R.%
26.49
28.93
29.63
26.69
24.93
24.36
25.83
23.00
21.88
22.28
21.23
23.00
25.38
46
10.49
Net margin%
25.33
24.85
24.15
27.14
25.64
25.78
25.47
26.51
29.28
28.92
13.52
26.51
25.71
40
22.37
P/E ratio (avg)x
15.29
16.46
16.03
15.26
14.67
16.41
15.52
15.27
13.95
14.01
37.12
15.27
15.28
16
7.965
P/TBVx
32.51
33.38
31.11
29.03
32.34
30.57
33.31
31.28
28.27
27.70
25.83
30.57
31.20
7
22.58
P/Bx
12.01
12.98
13.35
14.66
17.26
17.43
16.93
17.28
17.65
18.07
7.547
17.43
17.10
26
42.64
NIIkr M
25.08
26.78
27.53
28.70
30.24
31.03
32.58
33.64
34.97
36.04
16.68
3.57%
4.07%
—
9.07
NII grth%
13.45
13.23
15.36
15.94
16.24
17.10
17.77
17.56
20.40
18.44
20.60
17.77
16.67
78
15.65
ROTE%
16.64
19.61
17.83
16.01
13.37
14.66
15.86
18.00
17.85
16.07
14.88
16.07
16.35
72
7.33
Return on equity%
21.10
18.32
18.09
19.00
19.18
17.10
14.94
13.41
14.15
12.80
5.14
14.15
17.59
66
25.71
Return on assets%
0.45
0.40
2.12
1.69
0.40
0.40
3.31
5.51
7.58
8.51
22.69
5.51
1.90
80
32.22
EPSkr
23.05
25.42
24.35
28.01
31.22
32.74
36.13
42.14
46.74
50.30
33.10
10.01%
7.93%
—
6.95
EPS growth%
10.01
9.04
9.00
11.58
12.54
9.84
8.24
6.90
6.46
4.51
6.95
6.90
9.02
50
17.94
Bookvalue per shkr
13.68
13.40
13.81
15.49
16.48
18.76
19.86
21.11
24.20
26.69
24.09
10.12%
7.80%
—
18.32
TBV/shkr
17.09
14.99
13.92
15.32
15.62
17.38
18.07
19.66
17.53
16.84
22.78
1.52%
0.41%
—
28.19
Dividend per shkr
21.24
21.71
22.78
24.10
22.33
21.49
21.17
21.54
20.71
19.08
13.61
(3.09%)
(0.10%)
—
4.73
Div yield (avg)%
27.95
26.00
28.98
29.01
29.27
29.15
31.05
33.87
32.01
33.10
10.46
32.01
29.21
62
28.87
Payout ratio%
13.38
15.91
15.59
15.82
15.51
17.99
18.20
17.94
18.11
15.98
8.52
17.99
15.94
48
0.623
Shares (diluted)M
0.725
0.712
0.667
0.706
0.665
0.608
0.670
0.638
0.628
0.662
0.631
(0.08%)
(0.41%)
41
4.13
Buyback yield%
3.11
3.85
6.58
7.98
10.31
12.01
14.07
12.91
12.38
12.30
10.29
12.38
11.16
75
154.52
Eq/Assets%
153.98
171.81
189.17
193.28
185.73
180.43
174.62
181.85
175.39
184.71
157.66
180.43
181.14
73
55.64
Assetskr M
203.3
222.3
237.6
271.1
289.4
300.7
339.2
375.8
405.0
432.3
6.707
8.36%
8.92%
23
40.41
LT debtkr M
67.51
75.40
72.44
69.56
77.66
81.83
76.77
81.20
88.19
83.09
30.96
1.36%
2.75%
84
Non-interest expense
4.03%
0.99×
Net interest income
79.91%
Non-interest income
20.09%