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 | 1,267,659 |
| Cash Deposits and Cash Equivalents | 1,121,734 |
| Deposits | 14,219,034 |
| Fees | 0 |
| Goodwill | 13,615 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 11,690,953 |
| Loans and Leases Receivable | 13,525,229 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Liabilities | -2.63 |
| ECR before LimitedLiability | 1.12 |
| Liabilities and Borrowings | -26.8 |
| Other Liabilities | 12.9 |
| Long-term Debt | 0.528 |
| Assets and Securities | -5.88 |
| Assets | 2.10 |
| Loans and Leases Receivable | 7.67 |
| Goodwill | -0.943 |
| Cash Deposits and Cash Equivalents | 1.16 |
| Property, Plant and Equipment | -0.394 |
| Other Assets | 0.510 |
| Other Noninterest Expense | 0.504 |
| Expenses | 3.68 |
| Net Income | 2.97 |
| Labor Expense | 2.14 |
| Other Revenues | -0.853 |
| Revenues | -0.853 |
| Comprehensive Net Income | 1.60 |
| Other Compr. Net Income | -1.39 |
| Economic Capital Ratio | 1.01 |
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.
