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 | 1,880,601 |
| Cash Deposits and Cash Equivalents | 146,320 |
| Deposits | 20,894,167 |
| Fees | 42,184 |
| Goodwill | 375,696 |
| IT and Equipment Expense | 42,051 |
| Labor Expense | 178,471 |
| Liabilities and Borrowings | 232,815 |
| Loans and Leases Receivable | 19,936,388 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -2.69 |
| Liabilities | 1.77 |
| Stockholders Equity | 0.940 |
| ECR before LimitedLiability | 1.44 |
| Liabilities and Borrowings | 14.8 |
| Other Liabilities | -39.5 |
| Assets and Securities | -5.90 |
| Assets | -0.626 |
| Loans and Leases Receivable | 9.84 |
| Cash Deposits and Cash Equivalents | -3.14 |
| Property, Plant and Equipment | -0.406 |
| Other Assets | -1.48 |
| Expenses | -1.46 |
| Revenues | -0.448 |
| Net Income | 1.27 |
| Fees | -0.483 |
| Labor Expense | -0.566 |
| Other Revenues | -0.448 |
| Other Net Income | 3.15 |
| Economic Capital Ratio | 1.33 |
| Other Compr. Net Income | -0.961 |
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.
