Key figures for the selected year.
The model's causal graph for 2025. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 2,323,534 |
| Cash Deposits and Cash Equivalents | 422,640 |
| Deposits | 13,743,146 |
| Fees | 0 |
| Goodwill | 373,121 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 107,715 |
| Loans and Leases Receivable | 11,604,313 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.26 |
| Liabilities | -2.13 |
| Assets | 2.85 |
| Stockholders Equity | 1.21 |
| ECR before LimitedLiability | 2.65 |
| Liabilities and Borrowings | 16.0 |
| Other Liabilities | -41.9 |
| Long-term Debt | 0.533 |
| Assets and Securities | -0.824 |
| Loans and Leases Receivable | 4.56 |
| Goodwill | 0.682 |
| Cash Deposits and Cash Equivalents | -1.54 |
| Expenses | 4.09 |
| Revenues | -0.852 |
| Net Income | 1.64 |
| Other Expenses | 0.647 |
| Labor Expense | 2.15 |
| Other Revenues | -0.852 |
| Other Net Income | -1.62 |
| Comprehensive Net Income | 1.88 |
| Economic Capital Ratio | 2.54 |
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.
