1.926
Revenuekr B
7.913
8.061
8.231
8.605
9.000
9.383
9.622
9.898
10.33
10.88
2.100
3.86%
3.52%
88
22.14
Revenue growth%
11.75
14.42
14.11
15.90
12.98
10.30
9.08
11.13
13.34
11.66
21.08
11.13
12.37
13
23.40
NIM%
18.36
19.55
19.37
19.33
16.85
14.31
13.95
15.85
18.51
16.47
15.42
15.85
17.61
27
22.14
Effic. R.%
9.64
9.84
9.05
6.79
9.62
8.35
9.02
7.32
4.47
7.17
10.69
7.32
8.68
69
12.96
Net margin%
21.43
21.12
18.99
18.61
18.70
17.86
20.21
17.53
16.13
17.78
21.86
17.78
18.66
76
9.646
P/E ratio (avg)x
14.13
14.93
16.20
18.02
17.78
17.56
18.25
20.69
20.71
20.83
11.45
20.69
17.90
16
27.07
P/TBVx
34.64
34.98
39.00
46.51
53.00
52.72
62.91
71.01
78.21
82.73
19.12
71.01
52.86
22
16.30
P/Bx
6.787
7.208
7.431
8.159
8.460
8.318
9.036
9.372
8.827
8.182
11.47
8.827
8.250
95
2.962
NIIkr B
6.255
6.355
6.516
6.845
7.115
7.480
7.623
7.966
8.216
8.662
9.865
4.01%
3.61%
—
22.02
NII grth%
19.77
17.08
19.95
18.14
17.17
18.04
18.42
20.90
20.34
20.01
28.27
20.01
19.09
50
6.75
ROTE%
20.75
22.56
20.74
20.14
20.37
20.26
17.49
19.93
20.10
17.54
2.07
19.93
20.20
43
13.07
Return on equity%
7.05
7.22
5.09
5.63
8.20
9.16
10.98
13.47
10.49
10.85
24.06
10.85
8.68
65
3.98
Return on assets%
12.48
13.07
15.41
16.56
13.96
13.22
10.64
11.60
12.51
12.60
29.18
12.51
12.83
90
8.22
EPSkr
2.23
2.34
2.46
2.83
3.36
3.94
3.99
4.13
4.73
5.62
8.49
10.85%
9.36%
—
8.80
EPS growth%
0.40
3.15
2.58
4.27
3.25
1.67
0.40
0.40
2.28
0.40
5.70
0.40
1.97
63
11.63
Bookvalue per shkr
13.17
14.47
14.90
17.54
18.13
21.26
23.02
23.12
23.59
26.77
8.09
8.10%
8.43%
—
2.58
TBV/shkr
5.24
4.91
4.59
4.67
4.45
4.28
4.66
4.77
4.83
4.51
7.99
0.27%
(0.59%)
—
5.85
Dividend per shkr
11.62
13.16
14.08
15.23
14.16
14.44
13.18
12.59
12.22
12.94
1.92
(1.78%)
2.29%
—
6.07
Div yield (avg)%
7.56
5.28
8.26
6.75
9.48
8.39
9.34
6.85
8.70
9.29
12.66
8.70
8.33
55
17.04
Payout ratio%
14.41
14.77
13.41
13.94
13.73
16.54
18.03
20.02
20.79
20.56
2.43
20.02
15.65
38
499.8
Shares (diluted)M
570.5
593.4
630.8
646.6
699.2
616.4
575.8
596.9
590.6
544.0
502.1
(4.90%)
(0.13%)
49
23.69
Buyback yield%
8.70
8.65
10.46
9.13
9.73
9.55
8.68
8.60
8.84
6.75
20.23
8.68
8.77
55
62.27
Eq/Assets%
195.00
173.99
168.87
147.54
159.62
175.78
157.13
170.84
156.38
141.42
92.06
157.13
164.24
79
7.326
Assetskr B
19.45
21.00
23.07
25.03
27.34
30.32
33.95
37.50
40.24
43.46
1.435
9.71%
9.04%
38
11.40
LT debtkr B
11.42
11.85
12.69
11.38
11.35
12.51
12.54
12.23
12.68
11.22
10.62
(0.23%)
0.77%
62
Non-interest expense
3.52%
1.00×
Net interest income
79.64%
Non-interest income
20.36%