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 |
|---|---|
| Assets and Securities | 5,918,458 |
| Cash Deposits and Cash Equivalents | 203,461 |
| Deposits | 12,836,245 |
| Fees | 9,551 |
| Goodwill | 765,822 |
| IT and Equipment Expense | 0 |
| Labor Expense | 134,591 |
| Liabilities and Borrowings | 5,776,136 |
| Loans and Leases Receivable | 8,994,275 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 1.26 |
| Liabilities | 1.82 |
| Stockholders Equity | 1.21 |
| Liabilities and Borrowings | -0.787 |
| Other Liabilities | 1.05 |
| Cash Deposits and Cash Equivalents | -1.70 |
| Assets | -0.627 |
| Property, Plant and Equipment | -0.410 |
| Loans and Leases Receivable | -7.93 |
| Other Assets | -4.69 |
| Goodwill | 1.74 |
| Assets and Securities | 6.71 |
| Expenses | -0.924 |
| Revenues | -1.01 |
| Comprehensive Net Income | -1.03 |
| Labor Expense | -0.393 |
| Other Expenses | -0.856 |
| Other Revenues | -1.01 |
| Economic Capital Ratio | -0.876 |
| Other Compr. Net Income | -1.38 |
| Other Net Income | 1.99 |
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.
