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 | 676,342 |
| Cash Deposits and Cash Equivalents | 213,392 |
| Deposits | 2,963,412 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 2,049,544 |
| Loans and Leases Receivable | 2,228,418 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -7.72 |
| Liabilities | -2.27 |
| ECR before LimitedLiability | 2.38 |
| Liabilities and Borrowings | -21.5 |
| Other Liabilities | 14.7 |
| Assets and Securities | 3.50 |
| Assets | 2.13 |
| Loans and Leases Receivable | 0.720 |
| Goodwill | -0.993 |
| Cash Deposits and Cash Equivalents | 1.19 |
| Property, Plant and Equipment | 0.653 |
| Other Assets | -2.82 |
| Expenses | 3.95 |
| Net Income | 1.91 |
| Labor Expense | 2.16 |
| Other Revenues | -0.856 |
| Revenues | -0.856 |
| Other Net Income | -1.20 |
| Comprehensive Net Income | 2.45 |
| Other Compr. Net Income | 0.539 |
| Economic Capital Ratio | 2.26 |
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.
