193.0
Revenuekr M
147.7
152.1
156.6
167.1
173.2
183.4
196.8
204.3
218.9
230.2
198.6
5.86%
5.13%
43
8.21
Revenue growth%
16.68
14.43
15.53
18.09
19.99
21.58
22.71
21.05
21.43
21.54
11.34
21.54
20.52
76
19.77
NIM%
11.25
10.61
10.01
11.64
12.35
15.27
14.07
17.05
18.95
17.19
14.23
17.05
13.21
22
24.79
Effic. R.%
10.62
11.54
11.91
9.81
9.69
11.49
9.54
10.29
10.31
9.61
14.66
10.29
10.30
80
9.64
Net margin%
26.05
26.21
24.97
27.19
26.90
29.23
28.18
26.51
29.32
26.70
9.42
28.18
26.80
52
17.74
P/E ratio (avg)x
19.14
16.44
15.53
15.50
13.60
11.67
12.26
12.65
10.95
9.290
19.89
11.67
13.13
54
9.003
P/TBVx
47.27
50.07
55.65
52.19
54.09
50.59
52.68
56.23
60.86
66.05
19.96
56.23
53.38
7
30.16
P/Bx
32.40
31.80
32.66
34.24
39.92
39.20
40.00
46.97
44.99
43.68
31.17
43.68
39.56
68
39.56
NIIkr M
107.3
112.6
115.3
122.2
125.6
134.1
145.7
147.6
160.5
167.0
207.3
5.87%
5.08%
—
6.33
NII grth%
2.71
2.93
3.00
1.99
3.68
5.09
7.03
7.44
9.93
8.25
4.91
7.44
4.38
66
3.40
ROTE%
27.88
28.70
26.24
26.77
25.90
27.62
29.88
27.65
28.90
28.11
5.11
28.11
27.77
70
21.71
Return on equity%
20.24
18.72
16.64
14.53
14.85
13.77
15.39
13.07
14.94
14.82
29.86
14.82
14.89
20
18.37
Return on assets%
29.14
30.21
31.57
31.31
30.57
27.81
26.54
24.32
27.30
24.99
26.95
26.54
28.48
31
34.92
EPSkr
65.37
77.30
82.39
89.85
97.75
99.32
119.96
132.14
129.74
145.36
36.63
8.26%
8.74%
—
10.42
EPS growth%
21.93
21.10
18.83
18.32
17.85
15.61
13.40
15.37
18.09
20.55
12.20
15.61
18.21
36
24.98
Bookvalue per shkr
70.06
64.84
66.79
75.98
74.21
72.76
80.41
87.97
98.72
98.94
59.61
5.92%
4.75%
—
73.02
TBV/shkr
18.81
19.96
20.36
19.96
23.00
27.08
30.21
33.98
34.63
35.03
34.06
8.78%
6.14%
—
27.79
Dividend per shkr
39.34
36.13
34.40
33.88
35.51
38.92
39.12
40.50
37.54
39.36
43.96
2.08%
0.90%
—
24.06
Div yield (avg)%
28.58
28.89
27.79
29.79
32.54
29.66
28.26
27.36
27.59
28.39
27.35
28.26
28.48
52
29.03
Payout ratio%
3.78
5.91
4.91
5.63
4.37
3.23
4.73
5.29
4.71
4.94
17.08
4.73
4.82
36
2.232
Shares (diluted)M
2.003
2.095
2.124
1.930
2.039
2.084
1.838
1.845
1.729
1.779
2.173
(2.68%)
(1.30%)
16
16.02
Buyback yield%
19.00
17.83
19.59
21.20
23.82
22.23
22.68
22.98
22.68
23.56
16.83
22.68
22.45
30
175.13
Eq/Assets%
148.56
150.99
139.79
136.27
124.71
137.61
137.27
131.68
135.71
129.04
178.43
135.71
136.77
56
138.0
Assetskr M
89.34
98.52
103.3
114.3
129.5
141.2
160.5
169.7
181.6
193.9
197.5
8.41%
8.57%
44
131.8
LT debtkr M
72.52
79.24
79.31
73.08
74.96
81.19
71.49
64.13
69.79
69.82
124.0
(1.41%)
0.30%
11
Non-interest expense
4.84%
0.97×
Net interest income
72.55%
Non-interest income
27.45%
Return on capital
143.93%