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 |
|---|---|
| Assets and Securities | 2,837,727 |
| Cash Deposits and Cash Equivalents | 378,131 |
| Deposits | 16,818,129 |
| Fees | 0 |
| Goodwill | 925,211 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 13,334,831 |
| Loans and Leases Receivable | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.97 |
| Liabilities | -2.77 |
| Stockholders Equity | 2.09 |
| ECR before LimitedLiability | 3.31 |
| Other Liabilities | 14.9 |
| Liabilities and Borrowings | -30.5 |
| Long-term Debt | -1.31 |
| Cash Deposits and Cash Equivalents | -1.98 |
| Assets | 4.21 |
| Other Assets | 15.0 |
| Assets and Securities | -0.971 |
| Loans and Leases Receivable | -35.0 |
| Goodwill | 2.29 |
| Expenses | 5.04 |
| Revenues | -1.44 |
| Comprehensive Net Income | 1.13 |
| Labor Expense | 2.44 |
| Other Expenses | 0.938 |
| Other Revenues | -1.44 |
| Other Net Income | -2.96 |
| Economic Capital Ratio | 2.46 |
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.
