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 | 1,749,551 |
| Cash Deposits and Cash Equivalents | 721,989 |
| Deposits | 15,723,035 |
| Fees | 0 |
| Goodwill | 994,021 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 12,697,188 |
| Loans and Leases Receivable | 14,558,681 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -9.68 |
| Liabilities | -4.15 |
| Stockholders Equity | 2.61 |
| Economic Capital Ratio | -0.568 |
| Other Liabilities | 11.9 |
| Liabilities and Borrowings | -35.9 |
| Assets | 5.48 |
| Other Assets | -4.53 |
| Assets and Securities | -3.79 |
| Property, Plant and Equipment | 0.762 |
| Loans and Leases Receivable | 9.67 |
| Goodwill | 2.88 |
| Expenses | 4.92 |
| Revenues | -1.39 |
| Net Income | -1.97 |
| IT and Equipment Expense | 0.578 |
| Labor Expense | 2.29 |
| Other Expenses | 1.37 |
| Other Revenues | -1.39 |
| Comprehensive Net Income | -2.29 |
| Other Net Income | -6.08 |
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.
