3.640
Revenuekr B
2.583
2.746
2.928
3.205
3.470
3.650
3.937
4.181
4.578
4.861
3.855
6.98%
7.38%
88
4.12
Revenue growth%
16.68
18.40
18.69
19.06
17.51
18.33
15.59
14.83
14.02
15.18
16.36
15.18
17.09
23
29.86
NIM%
19.21
19.17
17.94
18.87
16.72
13.94
13.50
11.96
13.62
15.87
6.70
13.62
16.29
38
20.64
Effic. R.%
9.00
10.36
13.35
12.21
10.14
8.54
6.15
7.50
9.55
9.72
23.65
8.54
9.63
42
23.95
Net margin%
1.50
0.84
2.74
0.83
3.55
5.67
4.97
3.79
3.52
4.42
5.51
4.42
3.54
36
13.26
P/E ratio (avg)x
31.26
29.76
30.34
28.57
31.70
34.89
36.53
34.01
32.59
35.54
27.84
34.89
32.14
89
35.78
P/TBVx
22.76
24.66
28.00
27.13
29.41
28.74
32.71
38.87
44.26
44.57
18.01
38.87
29.08
16
35.80
P/Bx
19.88
21.85
20.56
22.73
23.22
24.58
26.57
29.33
27.62
31.48
6.311
27.62
23.90
77
0.678
NIIkr B
1.985
2.080
2.232
2.455
2.620
2.794
2.969
3.148
3.509
3.694
1.545
7.11%
7.33%
—
23.60
NII grth%
8.17
7.11
4.99
3.16
3.77
4.49
2.11
1.35
1.50
3.59
10.74
2.11
3.68
6
3.90
ROTE%
3.44
3.92
6.19
3.88
4.17
1.91
1.08
3.30
0.81
0.40
5.45
1.08
3.37
67
13.42
Return on equity%
11.22
12.11
10.89
9.86
11.30
12.73
10.41
10.03
7.88
9.07
8.43
10.03
10.65
9
16.28
Return on assets%
26.25
25.75
26.57
28.19
27.59
28.46
30.87
32.93
32.07
30.10
16.41
30.87
28.33
90
7.16
EPSkr
8.43
9.08
8.94
9.26
8.82
8.67
9.26
8.81
9.27
8.37
7.49
(1.03%)
0.88%
—
24.22
EPS growth%
14.48
12.12
12.89
12.54
12.59
14.52
13.42
14.87
12.11
11.75
28.29
13.42
12.74
12
4.10
Bookvalue per shkr
5.12
5.68
5.79
5.68
5.30
5.46
5.76
6.26
6.43
6.53
1.56
4.25%
1.66%
—
4.56
TBV/shkr
5.52
5.50
5.61
6.04
5.79
6.01
5.68
6.12
5.93
6.14
6.36
1.18%
0.79%
—
4.38
Dividend per shkr
4.78
4.40
4.46
4.14
3.93
3.45
3.00
3.07
3.02
2.69
3.71
(7.30%)
(6.85%)
—
2.86
Div yield (avg)%
9.14
8.72
6.51
6.63
9.51
7.69
4.73
5.55
6.09
7.98
24.83
6.09
7.16
84
19.76
Payout ratio%
22.85
25.72
23.55
25.90
23.48
26.14
28.77
28.07
25.80
26.82
14.83
26.82
25.85
76
170.3
Shares (diluted)M
207.2
198.3
206.2
189.5
207.6
209.8
214.2
205.2
187.6
205.3
167.8
(0.22%)
0.09%
60
26.93
Buyback yield%
10.40
12.22
15.20
13.22
11.14
9.65
8.83
9.91
11.57
14.35
5.83
9.91
11.35
37
12.04
Eq/Assets%
81.10
86.98
79.28
76.81
69.24
75.55
76.36
79.27
82.74
82.59
10.31
79.27
79.28
14
2.522
Assetskr B
3.878
4.173
4.649
4.978
5.458
5.984
6.306
6.910
7.222
7.857
3.668
7.56%
8.07%
6
2.279
LT debtkr B
4.529
5.082
5.398
5.632
6.218
6.099
6.433
6.373
6.817
7.999
2.868
5.17%
5.57%
73
Non-interest expense
7.03%
0.97×
Net interest income
75.98%
Non-interest income
24.02%