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 | 10,275,783 |
| Cash Deposits and Cash Equivalents | 3,547,632 |
| Deposits | 25,639,576 |
| Fees | 0 |
| Goodwill | 146,539 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 18,508,147 |
| Loans and Leases Receivable | 17,596,124 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 11.6 |
| Assets | 0.953 |
| Liabilities and Borrowings | -15.7 |
| Stockholders Equity | 0.738 |
| ECR before LimitedLiability | 5.71 |
| Loans and Leases Receivable | -8.78 |
| Goodwill | -0.673 |
| Cash Deposits and Cash Equivalents | 4.39 |
| Other Assets | -4.59 |
| Expenses | 3.38 |
| Revenues | -0.873 |
| Net Income | 3.64 |
| Labor Expense | 2.21 |
| Other Revenues | -0.873 |
| Other Liabilities | 9.47 |
| Deposits | 3.24 |
| Long-term Debt | 0.556 |
| Other Net Income | 1.14 |
| Comprehensive Net Income | 5.10 |
| Other Compr. Net Income | 1.46 |
| Economic Capital Ratio | 5.59 |
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.
