Key figures for the selected year.
The model's causal graph for 2022. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Cash and Cash Equivalents | 26,324 |
| Debt | 0 |
| Deposits | 657,172 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 636,909 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Loans | 13.4 |
| Assets | 2.32 |
| Economic Capital Ratio | -0.384 |
| Other Assets | -5.42 |
| Securities | -0.297 |
| Notes Receivable | -7.43 |
| Deposits | -18.8 |
| Liabilities | -2.29 |
| Other Liabilities | 7.12 |
| Debt | 3.90 |
| Labor and Related Expense | 1.07 |
| Expenses | 4.44 |
| Revenues | -2.94 |
| Net Income | 0.361 |
| General and Administrative Expense | 0.624 |
| Selling and Marketing Expense | 0.664 |
| Interest Expense | 0.180 |
| Operating Expenses | 1.29 |
| Other Revenues | -2.94 |
| Comprehensive Net Income | 0.357 |
| Other Net Income | -0.549 |
Charts generated by the RealRate valuation model for this report year.
Distribution of each variable's impact on financial strength — green strengthens, red weakens.
How the company's key drivers have shifted across years.
Model-forecast valuation vs. observed market value.
