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 | 0 |
| Debt | 0 |
| Deposits | 292,949 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 155 |
| Labor and Related Expense | 0 |
| Loans | 329,943 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Loans | 15.4 |
| Assets | 3.66 |
| Other Liabilities | 6.49 |
| Stockholders Equity | 3.91 |
| ECR before LimitedLiability | 3.82 |
| Other Assets | -3.11 |
| Cash and Cash Equivalents | -1.05 |
| Notes Receivable | -7.09 |
| Labor and Related Expense | 0.947 |
| Expenses | 3.78 |
| Revenues | -2.79 |
| Net Income | 0.419 |
| General and Administrative Expense | 0.555 |
| Selling and Marketing Expense | 0.591 |
| Operating Expenses | 1.14 |
| Other Revenues | -2.79 |
| Deposits | -12.9 |
| Debt | 3.51 |
| Comprehensive Net Income | 0.305 |
| Other Net Income | -0.405 |
| Economic Capital Ratio | 3.35 |
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.
