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 | 3,948,398 |
| Cash Deposits and Cash Equivalents | 771,902 |
| Deposits | 20,126,790 |
| Fees | 0 |
| Goodwill | 1,090,610 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 394,531 |
| Loans and Leases Receivable | 18,313,900 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -3.08 |
| Liabilities | -1.88 |
| Stockholders Equity | 3.43 |
| ECR before LimitedLiability | 2.54 |
| Liabilities and Borrowings | 15.9 |
| Other Liabilities | -41.2 |
| Long-term Debt | 0.526 |
| Assets and Securities | 0.664 |
| Assets | 4.71 |
| Loans and Leases Receivable | 7.72 |
| Goodwill | 2.30 |
| Cash Deposits and Cash Equivalents | -1.10 |
| Other Assets | -4.68 |
| Expenses | 4.15 |
| Other Expenses | 0.759 |
| Labor Expense | 2.12 |
| Other Revenues | -0.842 |
| Revenues | -0.842 |
| Economic Capital Ratio | 2.43 |
| Other Compr. Net Income | -0.586 |
| Other Net Income | -3.05 |
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.
