0.788
Revenuekr B
0.642
0.693
0.746
0.811
0.869
0.903
0.975
1.022
1.076
1.144
0.812
5.67%
6.59%
50
25.89
Revenue growth%
14.09
16.43
16.21
17.60
19.91
20.29
19.00
21.40
23.62
22.28
3.26
21.40
19.45
15
20.42
NIM%
14.62
12.91
10.96
10.14
9.21
11.85
13.51
13.80
11.16
8.99
27.55
11.85
11.50
33
21.87
Effic. R.%
26.00
26.84
28.35
30.19
31.39
29.46
30.76
30.88
30.11
28.92
19.75
30.11
29.79
70
15.19
Net margin%
12.25
10.93
12.93
13.15
13.25
12.88
14.35
12.43
12.20
13.39
15.13
12.88
12.90
47
12.55
P/E ratio (avg)x
15.20
15.51
15.97
18.64
17.96
16.82
19.38
19.39
18.94
20.05
13.79
19.38
18.30
91
13.26
P/TBVx
20.37
18.11
18.76
19.64
20.96
20.04
21.74
19.58
17.90
15.91
21.03
19.58
19.61
66
23.18
P/Bx
28.53
30.15
35.17
41.80
45.04
45.86
49.43
51.61
59.30
61.96
20.52
51.61
45.45
89
0.506
NIIkr B
0.382
0.401
0.444
0.468
0.511
0.531
0.566
0.606
0.641
0.671
1.158
5.58%
6.53%
—
8.61
NII grth%
20.64
18.36
16.27
18.67
19.34
21.59
24.06
21.31
20.81
22.50
21.95
21.59
20.72
52
16.38
ROTE%
0.40
0.97
0.40
0.40
0.43
1.78
1.03
0.40
0.40
0.40
7.02
0.40
0.40
50
8.19
Return on equity%
11.74
10.89
10.51
12.15
10.03
12.11
10.68
13.20
11.79
14.71
7.12
12.11
11.77
39
27.48
Return on assets%
22.55
25.32
22.68
21.52
22.08
23.33
22.66
21.47
22.57
24.73
3.97
22.66
22.62
17
2.58
EPSkr
1.30
1.20
1.13
1.05
1.11
1.06
1.10
1.04
1.08
1.13
2.89
0.39%
(1.85%)
—
26.02
EPS growth%
20.61
20.43
22.27
19.78
20.53
20.43
19.97
19.09
21.91
24.12
7.14
20.43
20.48
53
1.49
Bookvalue per shkr
1.73
1.76
1.73
1.76
1.80
1.89
1.94
1.82
1.77
1.57
1.39
(2.70%)
(1.97%)
—
2.53
TBV/shkr
2.65
2.49
2.80
2.66
2.58
2.40
2.21
2.38
2.47
2.50
1.50
(0.66%)
(0.01%)
—
2.29
Dividend per shkr
1.77
1.88
2.21
2.40
2.47
2.81
2.75
2.92
2.95
3.35
1.66
6.28%
7.73%
—
19.74
Div yield (avg)%
1.50
2.16
3.01
3.80
3.66
1.46
1.29
2.94
5.20
8.13
9.75
2.94
2.98
7
14.19
Payout ratio%
26.15
25.55
23.53
21.17
23.93
22.65
20.66
19.40
17.24
19.07
15.94
19.40
21.91
91
315.5
Shares (diluted)M
409.8
404.7
440.4
431.1
448.2
508.6
519.3
578.6
615.2
649.3
319.9
7.69%
4.15%
91
20.18
Buyback yield%
16.61
17.13
17.32
18.25
15.86
17.13
19.38
19.57
17.75
19.53
5.92
19.38
17.53
49
41.03
Eq/Assets%
135.59
128.66
125.00
118.65
115.97
117.57
105.34
106.49
110.38
95.87
132.39
106.49
116.77
65
0.493
Assetskr B
1.052
1.122
1.220
1.325
1.416
1.514
1.587
1.726
1.919
1.992
0.825
7.06%
7.39%
36
0.520
LT debtkr B
0.883
0.910
0.954
0.971
0.848
0.928
0.895
0.866
0.925
0.841
1.023
(0.16%)
(0.10%)
11
Non-interest expense
6.65%
1.01×
Net interest income
58.63%
Non-interest income
41.37%