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 | 219,311 |
| Cash Deposits and Cash Equivalents | 695,693 |
| Deposits | 9,133,606 |
| Fees | 41,889 |
| Goodwill | 0 |
| IT and Equipment Expense | 29,038 |
| Labor Expense | 87,859 |
| Liabilities and Borrowings | 1,153,694 |
| Loans and Leases Receivable | 7,120,855 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -3.73 |
| Liabilities | -0.522 |
| ECR before LimitedLiability | -6.86 |
| Liabilities and Borrowings | 6.47 |
| Other Liabilities | -23.8 |
| Assets and Securities | -9.19 |
| Assets | 0.484 |
| Loans and Leases Receivable | 0.529 |
| Goodwill | -0.800 |
| Cash Deposits and Cash Equivalents | 0.950 |
| Property, Plant and Equipment | -0.437 |
| Other Assets | 5.81 |
| Expenses | -1.59 |
| Net Income | -9.37 |
| IT and Equipment Expense | -0.542 |
| Fees | -0.983 |
| Labor Expense | -0.737 |
| Other Net Income | -7.51 |
| Comprehensive Net Income | -6.77 |
| Other Compr. Net Income | 1.75 |
| Economic Capital Ratio | -6.98 |
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.
