112.0
Revenuekr M
68.47
74.36
79.40
85.56
91.53
97.79
103.6
111.0
122.4
133.0
123.4
7.77%
7.81%
48
21.96
Revenue growth%
7.28
5.52
4.31
1.63
3.73
1.87
4.65
4.83
4.53
3.00
21.37
4.53
4.42
85
29.53
NIM%
22.67
22.04
21.83
19.26
18.67
20.93
18.73
20.80
19.55
18.65
18.25
19.55
20.18
43
16.66
Effic. R.%
7.89
5.61
4.59
2.03
2.70
4.16
5.65
8.25
5.36
7.10
16.83
5.65
5.49
36
18.33
Net margin%
2.60
0.40
0.40
0.40
0.40
2.12
3.28
2.27
2.13
4.70
19.33
2.27
2.12
72
28.69
P/E ratio (avg)x
26.18
31.01
31.84
32.73
38.16
43.67
49.91
50.61
50.05
51.25
18.83
50.05
40.92
79
26.45
P/TBVx
9.681
10.31
11.29
12.51
11.84
12.44
11.04
12.19
12.20
13.33
34.38
12.20
12.02
57
16.23
P/Bx
28.76
32.72
32.05
36.08
39.06
45.27
47.34
50.02
60.33
66.05
33.10
50.02
42.17
51
47.35
NIIkr M
52.88
57.13
62.03
66.24
71.43
76.79
79.61
86.83
95.26
103.3
18.81
7.65%
7.68%
—
15.62
NII grth%
35.45
34.22
34.43
35.49
37.89
35.18
36.76
37.28
37.71
40.59
14.98
37.28
36.13
46
8.26
ROTE%
23.54
24.78
26.07
24.12
23.82
24.36
26.96
27.28
28.48
31.18
25.43
27.28
25.43
94
26.33
Return on equity%
38.72
39.56
41.31
43.63
45.43
43.21
40.40
40.87
40.47
40.82
17.93
40.82
40.84
87
26.02
Return on assets%
8.60
6.02
6.04
7.13
4.46
3.42
5.04
3.30
4.74
6.71
28.07
4.74
5.53
80
12.32
EPSkr
2.81
2.76
2.51
2.19
2.33
2.24
2.26
2.02
1.79
1.68
13.38
(6.29%)
(6.21%)
—
14.49
EPS growth%
1.88
0.40
0.40
0.40
0.40
0.66
0.40
1.13
3.47
3.88
5.15
1.13
0.53
61
13.89
Bookvalue per shkr
8.02
8.08
7.22
7.55
7.07
5.98
5.08
4.52
4.15
4.38
9.33
(9.12%)
(6.74%)
—
5.19
TBV/shkr
13.55
15.34
14.97
14.44
14.78
14.80
13.54
14.20
14.04
14.44
6.63
(0.46%)
0.92%
—
10.64
Dividend per shkr
7.25
8.05
8.34
9.27
9.25
9.33
8.76
9.28
8.86
8.28
8.68
(2.19%)
1.37%
—
23.62
Div yield (avg)%
28.74
26.14
26.96
26.47
28.60
30.92
27.98
30.89
33.48
35.79
24.55
30.92
28.67
78
18.23
Payout ratio%
15.44
17.53
18.56
19.78
18.37
21.11
23.05
20.42
17.74
19.18
15.24
20.42
18.87
79
4.695
Shares (diluted)M
4.753
4.537
5.008
5.086
4.935
4.968
5.315
4.969
4.716
4.601
4.792
(1.39%)
(0.05%)
61
28.00
Buyback yield%
6.76
5.74
5.18
2.21
0.40
0.40
0.40
0.40
2.65
0.61
12.01
0.40
1.41
69
45.65
Eq/Assets%
90.92
103.31
95.03
105.19
111.59
121.79
119.26
107.21
114.30
103.99
169.92
114.30
106.20
8
63.22
Assetskr M
188.6
200.4
223.5
233.0
252.1
266.6
280.1
314.2
348.9
384.7
32.85
8.82%
8.11%
51
23.31
LT debtkr M
83.37
89.82
85.39
81.23
77.27
67.29
58.06
54.09
47.00
42.92
47.66
(11.09%)
(6.42%)
66
Non-interest expense
7.78%
1.00×
Net interest income
77.62%
Non-interest income
22.38%
Spread over hurdle
31.57%