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 | 5,796,882 |
| Cash Deposits and Cash Equivalents | 330,678 |
| Deposits | 11,005,507 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 6,979,756 |
| Loans and Leases Receivable | 6,366,034 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -0.774 |
| Liabilities | 0.626 |
| ECR before LimitedLiability | -5.32 |
| Liabilities and Borrowings | -11.8 |
| Other Liabilities | 1.41 |
| Cash Deposits and Cash Equivalents | -0.399 |
| Assets | -0.632 |
| Loans and Leases Receivable | -8.58 |
| Other Assets | -2.95 |
| Goodwill | -0.398 |
| Assets and Securities | 1.41 |
| Expenses | 1.19 |
| Net Income | 0.801 |
| IT and Equipment Expense | 0.187 |
| Labor Expense | 0.795 |
| Other Revenues | -0.463 |
| Revenues | -0.463 |
| Other Net Income | -0.229 |
| Other Compr. Net Income | -7.15 |
| Comprehensive Net Income | -5.11 |
| Economic Capital Ratio | -6.32 |
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.
