48.73
Revenuekr M
112.1
122.8
133.1
141.0
151.7
163.3
176.1
185.4
201.7
220.5
54.05
7.76%
7.67%
82
23.48
Revenue growth%
23.81
24.47
23.77
25.46
27.46
27.72
26.42
25.93
23.80
25.17
11.64
25.93
25.31
25
5.71
NIM%
20.43
22.68
20.06
19.68
22.47
20.04
18.13
16.33
15.17
16.97
24.81
16.97
19.86
44
21.92
Effic. R.%
13.21
14.00
14.05
11.35
13.58
15.05
16.76
17.47
20.28
20.52
10.54
17.47
14.55
49
14.14
Net margin%
20.41
19.85
22.13
19.66
20.75
18.45
19.58
17.49
14.75
13.81
23.58
17.49
19.62
37
13.13
P/E ratio (avg)x
18.47
18.84
19.88
18.02
17.73
17.38
17.36
16.01
14.80
15.89
7.362
16.01
17.55
27
35.64
P/TBVx
46.49
54.54
60.72
70.26
73.04
81.06
90.29
92.19
86.64
92.90
35.82
90.29
77.05
51
29.87
P/Bx
24.94
25.46
29.58
32.72
39.44
44.16
46.83
51.00
60.31
63.49
21.02
51.00
41.80
89
131.3
NIIkr M
64.04
69.97
74.80
79.42
85.48
93.80
101.3
107.0
114.4
126.6
76.21
8.17%
7.91%
—
23.83
NII grth%
17.00
19.70
19.55
19.31
18.25
19.08
21.61
23.12
26.03
28.28
5.31
23.12
19.62
82
18.01
ROTE%
9.95
8.65
6.00
8.58
8.89
7.04
8.98
8.50
8.34
9.66
3.86
8.50
8.62
70
16.53
Return on equity%
6.29
3.43
5.26
2.84
4.09
6.61
4.43
2.08
0.40
0.40
8.24
2.08
3.76
46
2.59
Return on assets%
23.40
21.20
20.02
22.58
23.18
24.37
27.10
28.85
31.50
29.12
22.29
28.85
23.89
47
4.95
EPSkr
1.63
1.63
1.72
1.76
1.73
1.84
2.01
1.94
1.95
1.83
5.10
1.11%
0.14%
—
9.15
EPS growth%
27.40
27.12
28.04
28.21
26.60
25.19
25.04
26.81
27.01
26.51
16.14
26.51
26.91
92
2.08
Bookvalue per shkr
7.36
7.57
7.23
7.64
7.51
8.80
9.53
9.71
10.53
10.86
3.97
7.64%
5.41%
—
11.44
TBV/shkr
8.70
9.01
9.83
11.07
11.73
11.44
12.61
13.58
14.91
16.42
9.73
6.97%
6.37%
—
7.04
Dividend per shkr
5.11
5.53
5.41
6.10
6.85
7.19
6.85
6.69
6.66
7.19
10.18
0.97%
3.85%
—
3.61
Div yield (avg)%
4.88
6.99
4.51
5.51
3.25
5.39
8.00
10.93
13.28
14.54
9.99
10.93
6.25
28
21.12
Payout ratio%
19.43
17.22
16.51
15.77
15.84
18.44
21.21
22.63
25.54
26.96
10.12
22.63
18.94
70
20.59
Shares (diluted)M
19.29
19.22
20.66
19.71
16.98
15.86
16.64
16.67
17.34
15.10
20.20
(2.32%)
(2.05%)
79
2.47
Buyback yield%
6.78
9.10
8.14
5.85
7.27
9.68
7.37
6.28
7.59
9.57
12.97
7.59
7.48
25
159.85
Eq/Assets%
9.82
10.13
9.32
10.39
10.92
9.94
9.50
10.61
9.84
9.96
53.73
9.94
9.95
36
223.7
Assetskr M
411.9
457.5
502.2
538.1
579.6
649.4
730.6
791.4
867.2
961.1
87.74
10.64%
9.41%
62
12.77
LT debtkr M
117.1
115.7
111.1
108.8
113.8
104.3
105.6
111.3
113.7
109.7
149.3
(0.73%)
0.13%
92
Non-interest expense
7.49%
0.98×
Net interest income
57.43%
Non-interest income
42.57%