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 | 165,209 |
| Debt | 0 |
| Deposits | 1,407,299 |
| 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 |
|---|---|
| Assets | 2.27 |
| Liabilities | -2.86 |
| ECR before LimitedLiability | 3.21 |
| Notes Receivable | -12.6 |
| Loans | -1.75 |
| Other Assets | 14.5 |
| Cash and Cash Equivalents | 1.95 |
| Other Liabilities | 8.12 |
| Deposits | -24.5 |
| Debt | 3.93 |
| Expenses | 6.37 |
| Net Income | 2.87 |
| Labor and Related Expense | 1.03 |
| Operating Expenses | 2.93 |
| Selling and Marketing Expense | 0.999 |
| General and Administrative Expense | 1.21 |
| Other Revenues | -4.29 |
| Revenues | -4.29 |
| Other Net Income | 1.73 |
| Comprehensive Net Income | 2.83 |
| Economic Capital Ratio | 1.31 |
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.
