Key figures for the selected year.
The model's causal graph for 2023. 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 | 85,402 |
| Debt | 0 |
| Deposits | 1,661,016 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 1,680,525 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets | 2.75 |
| Liabilities | -4.19 |
| Stockholders Equity | -1.43 |
| Economic Capital Ratio | -1.54 |
| Notes Receivable | -12.9 |
| Loans | 13.4 |
| Other Assets | -4.58 |
| Cash and Cash Equivalents | -0.462 |
| Other Liabilities | 3.80 |
| Deposits | -12.3 |
| Debt | 4.29 |
| Expenses | 5.17 |
| Net Income | 1.61 |
| Labor and Related Expense | 1.16 |
| Operating Expenses | 3.31 |
| Selling and Marketing Expense | 1.12 |
| General and Administrative Expense | 1.36 |
| Other Revenues | -4.57 |
| Revenues | -4.57 |
| Other Compr. Net Income | -0.374 |
| Comprehensive Net Income | 1.21 |
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.
