1.499
Revenuekr B
1.429
1.505
1.604
1.643
1.736
1.779
1.816
1.878
1.965
2.059
1.672
3.48%
4.24%
16
25.99
Revenue growth%
13.02
12.49
12.61
13.92
16.28
13.67
16.38
14.80
15.41
12.62
3.46
14.80
13.79
83
24.82
NIM%
12.26
9.34
8.28
7.02
8.31
9.79
9.35
8.88
9.50
10.99
15.60
9.50
9.34
93
25.81
Effic. R.%
9.43
11.13
10.84
8.64
8.37
10.09
9.29
10.43
9.72
11.67
25.64
10.09
9.91
14
20.29
Net margin%
23.14
23.45
23.59
26.31
27.58
28.89
27.13
25.47
23.77
23.79
28.72
25.47
24.63
36
35.09
P/E ratio (avg)x
19.87
22.39
21.33
24.14
23.45
25.62
24.06
24.29
25.38
27.26
24.38
25.38
24.10
76
32.47
P/TBVx
38.38
45.16
50.62
57.01
57.90
65.39
66.25
71.02
72.86
71.20
13.60
71.02
61.64
12
22.37
P/Bx
27.08
27.25
24.79
26.72
27.81
26.49
29.39
32.39
34.96
32.12
24.97
32.12
27.53
28
1.236
NIIkr B
1.045
1.090
1.181
1.204
1.263
1.306
1.336
1.370
1.444
1.517
0.713
3.73%
4.43%
—
26.67
NII grth%
11.06
8.75
9.20
6.93
8.80
9.77
11.32
9.94
10.12
11.00
16.28
10.12
9.85
51
2.54
ROTE%
5.55
6.90
6.19
6.11
8.19
6.69
8.25
7.17
9.71
8.56
16.24
8.25
7.04
77
17.85
Return on equity%
18.53
15.89
17.72
18.10
20.44
19.38
18.24
19.98
18.04
15.40
16.71
18.24
18.17
8
2.72
Return on assets%
14.70
12.40
12.16
13.91
14.68
12.27
10.20
10.34
8.44
7.67
16.16
10.20
12.22
70
6.93
EPSkr
10.48
11.47
10.51
10.09
9.38
10.56
10.56
9.43
9.97
9.33
7.34
(0.10%)
(0.77%)
—
14.44
EPS growth%
24.17
23.65
22.51
20.97
19.59
20.99
23.59
22.55
20.07
18.10
27.54
20.99
21.75
58
29.31
Bookvalue per shkr
12.99
14.64
14.78
14.87
15.54
17.97
20.23
22.63
23.11
25.28
27.57
10.22%
7.98%
—
7.93
TBV/shkr
21.55
20.22
19.89
19.45
21.30
19.64
18.68
17.61
16.65
14.77
44.14
(7.06%)
(3.47%)
—
38.75
Dividend per shkr
48.00
48.78
55.66
60.05
67.16
69.17
73.38
75.22
84.18
91.16
12.92
6.30%
7.94%
—
2.49
Div yield (avg)%
6.34
7.97
10.32
12.32
15.26
14.38
16.65
15.28
18.11
18.18
2.88
16.65
14.82
33
2.85
Payout ratio%
9.44
7.14
6.71
6.26
5.48
4.70
7.19
4.58
5.49
4.15
4.93
4.70
5.88
5
65.77
Shares (diluted)M
62.04
67.36
73.93
72.81
74.57
66.05
68.30
72.06
71.40
69.46
65.94
(1.41%)
(0.07%)
49
9.54
Buyback yield%
17.77
18.06
15.70
14.99
12.10
11.37
12.26
9.79
7.34
6.35
14.98
9.79
12.18
23
135.06
Eq/Assets%
55.45
56.70
62.26
63.52
55.85
57.02
51.42
56.88
49.74
51.04
52.79
51.42
56.28
63
1,379
Assetskr M
433.2
478.4
527.6
580.3
619.3
661.2
706.1
785.0
820.6
893.1
837.6
7.59%
8.28%
63
1.910
LT debtkr B
1.869
1.849
1.898
2.093
2.408
2.525
2.875
3.150
3.103
3.421
1.037
7.27%
6.21%
29
Non-interest expense
4.24%
1.00×
Net interest income
73.65%
Non-interest income
26.35%
Return on capital
256.11%
Spread over hurdle
250.21%