Key figures for the selected year.
The model's causal graph for 2024. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 1,217,371 |
| Cash Deposits and Cash Equivalents | 99,329 |
| Deposits | 4,768,731 |
| Fees | 166 |
| Goodwill | 93,260 |
| IT and Equipment Expense | 25,248 |
| Labor Expense | 99,832 |
| Liabilities and Borrowings | 67,715 |
| Loans and Leases Receivable | 1,556 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 3.02 |
| Liabilities | 6.26 |
| Assets | -5.01 |
| Comprehensive Net Income | 1.37 |
| ECR before LimitedLiability | 2.82 |
| Liabilities and Borrowings | 14.2 |
| Long-term Debt | 0.614 |
| Other Liabilities | -39.4 |
| Cash Deposits and Cash Equivalents | -2.64 |
| Loans and Leases Receivable | -37.8 |
| Assets and Securities | 3.75 |
| Other Assets | 14.2 |
| Expenses | -7.36 |
| Revenues | -0.599 |
| Labor Expense | -4.36 |
| Other Expenses | -1.70 |
| IT and Equipment Expense | -1.41 |
| Other Revenues | -0.599 |
| Other Net Income | 7.67 |
| Other Compr. Net Income | 0.864 |
| Economic Capital Ratio | 2.64 |
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.
