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 | 1,224,286 |
| Cash Deposits and Cash Equivalents | 584,422 |
| Deposits | 14,061,460 |
| Fees | 0 |
| Goodwill | 15,845 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 13,747,312 |
| Loans and Leases Receivable | 10,127,801 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -6.37 |
| Liabilities | -2.57 |
| ECR before LimitedLiability | 2.97 |
| Other Liabilities | 14.6 |
| Liabilities and Borrowings | -53.8 |
| Cash Deposits and Cash Equivalents | -0.852 |
| Assets | 2.32 |
| Other Assets | 12.4 |
| Assets and Securities | -5.56 |
| Loans and Leases Receivable | -3.58 |
| Goodwill | -0.913 |
| Other Noninterest Expense | 0.538 |
| Expenses | 4.30 |
| Net Income | 3.28 |
| IT and Equipment Expense | 0.613 |
| Labor Expense | 2.47 |
| Other Revenues | -1.46 |
| Revenues | -1.46 |
| Comprehensive Net Income | 2.48 |
| Other Compr. Net Income | -0.815 |
| Economic Capital Ratio | 2.13 |
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.
