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 | 2,468,864 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 2,336,074 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Loans | 10.6 |
| Assets | 0.612 |
| Liabilities | -2.93 |
| Stockholders Equity | -2.15 |
| Other Assets | -4.53 |
| Cash and Cash Equivalents | -1.44 |
| Notes Receivable | -8.24 |
| Deposits | -14.9 |
| Other Liabilities | 4.46 |
| Debt | 4.23 |
| Labor and Related Expense | 1.24 |
| Expenses | 3.22 |
| ECR before LimitedLiability | -2.64 |
| General and Administrative Expense | 0.723 |
| Other Expenses | -1.13 |
| Selling and Marketing Expense | 0.482 |
| Operating Expenses | 1.50 |
| Other Revenues | -3.32 |
| Revenues | -3.32 |
| Economic Capital Ratio | -3.11 |
| Other Net Income | 0.719 |
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.
