Key figures for the selected year.
The model's causal graph for 2023. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 198,046 |
| Cash Deposits and Cash Equivalents | 1,326,629 |
| Deposits | 10,688,932 |
| Fees | 15,185 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 84,476 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 10,148,597 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Cash Deposits and Cash Equivalents | 0.977 |
| Assets | -2.07 |
| Other Liabilities | -36.5 |
| Stockholders Equity | -2.19 |
| Other Assets | 0.0942 |
| Assets and Securities | -8.53 |
| Property, Plant and Equipment | -0.365 |
| Loans and Leases Receivable | 1.53 |
| Goodwill | -0.930 |
| Expenses | -4.75 |
| Revenues | -0.0661 |
| Net Income | -6.57 |
| Occupancy | -0.556 |
| Other Expenses | -4.72 |
| Other Revenues | -0.0661 |
| ECR before LimitedLiability | -9.39 |
| Liabilities and Borrowings | 2.26 |
| Comprehensive Net Income | -7.57 |
| Other Net Income | -1.65 |
| Other Compr. Net Income | -0.905 |
| Economic Capital Ratio | -10.2 |
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.
