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 | 4,375,919 |
| Cash Deposits and Cash Equivalents | 1,235,261 |
| Deposits | 0 |
| Fees | 0 |
| Goodwill | 1,378,283 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 17,623,395 |
| Loans and Leases Receivable | 20,672,477 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 15.5 |
| Liabilities | -2.41 |
| Stockholders Equity | 2.42 |
| ECR before LimitedLiability | 2.16 |
| Liabilities and Borrowings | -16.2 |
| Other Liabilities | -90.1 |
| Long-term Debt | 0.525 |
| Assets and Securities | -1.01 |
| Assets | 4.22 |
| Loans and Leases Receivable | 0.704 |
| Goodwill | 2.24 |
| Cash Deposits and Cash Equivalents | -0.563 |
| Property, Plant and Equipment | -0.630 |
| Other Assets | 3.50 |
| Expenses | 4.41 |
| Other Expenses | 1.03 |
| Labor Expense | 2.12 |
| Other Revenues | -0.842 |
| Revenues | -0.842 |
| Economic Capital Ratio | 2.04 |
| Other Net Income | -3.64 |
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.
