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 | 740,828 |
| Deposits | 18,974,359 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Loans | -10.3 |
| Assets | 1.15 |
| Liabilities | -3.01 |
| Stockholders Equity | -1.82 |
| Other Assets | 2.53 |
| Cash and Cash Equivalents | -1.58 |
| Notes Receivable | 6.90 |
| Deposits | -16.4 |
| Other Liabilities | 3.66 |
| Debt | 2.53 |
| Labor and Related Expense | 1.34 |
| Expenses | 2.69 |
| Revenues | -3.56 |
| Comprehensive Net Income | -2.34 |
| General and Administrative Expense | 0.778 |
| Selling and Marketing Expense | 0.828 |
| Operating Expenses | 1.61 |
| Other Revenues | -3.56 |
| ECR before LimitedLiability | -4.34 |
| Other Compr. Net Income | -2.69 |
| Economic Capital Ratio | -4.81 |
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.
