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 | 499,701 |
| Cash Deposits and Cash Equivalents | 34,291 |
| Deposits | 2,376,979 |
| Fees | 0 |
| Goodwill | 85,758 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 1,893,178 |
| Loans and Leases Receivable | 2,337,209 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 1.92 |
| Liabilities | -2.60 |
| ECR before LimitedLiability | 1.64 |
| Liabilities and Borrowings | -22.4 |
| Other Liabilities | 11.4 |
| Long-term Debt | 0.529 |
| Assets and Securities | 0.669 |
| Assets | 2.56 |
| Loans and Leases Receivable | 8.04 |
| Goodwill | 1.06 |
| Cash Deposits and Cash Equivalents | -2.61 |
| Other Assets | -4.44 |
| Expenses | 4.00 |
| Net Income | 1.61 |
| Other Expenses | 0.586 |
| Labor Expense | 2.14 |
| Other Revenues | -0.851 |
| Revenues | -0.851 |
| Other Net Income | -1.58 |
| Comprehensive Net Income | 1.62 |
| Economic Capital Ratio | 1.52 |
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.
