5.741
Revenuekr B
5.964
6.180
6.390
6.800
7.318
7.718
8.077
8.568
8.889
9.620
5.964
5.62%
5.42%
7
21.92
Revenue growth%
34.16
35.63
34.89
32.54
34.08
35.18
35.04
34.33
36.52
37.67
9.50
35.18
34.97
48
19.30
NIM%
15.49
15.39
16.41
17.40
20.04
17.75
20.33
23.24
23.91
25.13
15.49
23.24
18.89
62
26.93
Effic. R.%
10.09
8.83
11.75
9.73
8.83
8.51
9.44
8.64
7.90
6.37
19.61
8.51
8.83
35
4.44
Net margin%
0.40
2.40
0.40
0.40
0.40
0.40
0.40
0.40
2.84
0.56
22.63
0.40
0.40
60
9.989
P/E ratio (avg)x
28.18
26.08
28.64
26.39
27.41
27.36
30.38
32.02
34.39
32.28
9.621
32.02
28.41
83
31.27
P/TBVx
14.53
12.63
12.11
12.84
12.45
13.49
14.11
12.68
10.93
11.91
32.63
12.68
12.65
9
6.863
P/Bx
21.36
21.12
21.20
19.14
17.58
19.78
18.19
20.57
18.69
17.33
24.50
18.69
19.46
55
10.33
NIIkr B
3.661
3.718
3.900
4.151
4.504
4.680
4.857
5.256
5.345
5.750
2.343
5.01%
5.12%
—
17.65
NII grth%
13.02
12.55
12.17
12.95
10.56
10.54
11.07
10.40
13.37
14.00
6.00
11.07
12.36
81
5.64
ROTE%
11.47
14.45
14.10
16.19
13.71
13.67
16.57
18.27
18.54
20.47
2.34
18.27
15.32
60
12.69
Return on equity%
7.76
6.61
6.53
6.06
7.70
8.46
7.50
8.58
7.17
5.93
25.83
7.50
7.34
19
25.06
Return on assets%
11.79
10.05
9.18
11.25
13.00
10.91
10.65
8.54
6.45
5.22
11.95
8.54
10.35
32
37.37
EPSkr
8.84
8.31
7.24
7.87
8.43
8.67
8.02
8.42
8.15
8.40
41.47
(0.08%)
(0.35%)
—
4.85
EPS growth%
18.64
15.76
17.71
15.85
17.41
16.56
16.99
14.94
14.60
16.43
19.69
16.43
16.50
45
9.67
Bookvalue per shkr
27.48
27.04
26.28
24.65
22.63
24.79
25.53
23.77
20.96
23.18
23.69
0.48%
(2.95%)
—
26.48
TBV/shkr
14.96
17.02
18.43
20.44
22.30
24.16
26.55
24.59
28.03
25.99
22.57
3.11%
6.99%
—
6.18
Dividend per shkr
35.12
39.31
37.66
41.65
39.93
40.71
38.76
36.84
35.92
33.54
6.54
(3.43%)
(1.17%)
—
23.77
Div yield (avg)%
3.14
0.71
2.04
3.34
3.20
3.35
2.79
0.40
1.17
2.15
9.61
2.15
2.47
58
28.99
Payout ratio%
10.19
12.14
15.09
16.80
18.21
20.86
23.83
24.15
23.17
23.47
26.39
23.47
19.54
63
159.0
Shares (diluted)M
168.9
177.1
182.5
174.5
163.0
152.7
139.0
127.0
134.5
122.4
157.3
(5.56%)
(2.57%)
22
16.50
Buyback yield%
16.44
18.15
18.09
17.65
16.39
16.92
14.13
13.73
16.62
19.03
16.19
16.62
16.77
69
139.52
Eq/Assets%
109.77
105.44
109.62
119.33
106.72
116.31
126.25
112.73
120.92
117.23
142.83
117.23
114.52
50
5.653
Assetskr B
8.627
9.041
9.428
10.15
11.21
11.86
13.17
14.14
15.45
16.32
10.33
7.80%
7.68%
49
10.26
LT debtkr B
1.066
1.079
1.164
1.150
1.070
1.203
1.384
1.491
1.583
1.813
5.964
11.12%
6.17%
36
Non-interest expense
5.36%
0.99×
Net interest income
59.77%
Non-interest income
40.23%