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 | 4,235,664 |
| Cash Deposits and Cash Equivalents | 395,754 |
| Deposits | 23,798,430 |
| Fees | 43,793 |
| Goodwill | 0 |
| IT and Equipment Expense | 57,416 |
| Labor Expense | 360,535 |
| Liabilities and Borrowings | 17,546,178 |
| Loans and Leases Receivable | 19,173,888 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Liabilities | 4.56 |
| Stockholders Equity | 1.48 |
| ECR before LimitedLiability | 3.46 |
| Liabilities and Borrowings | -20.7 |
| Other Liabilities | 15.2 |
| Assets and Securities | -0.986 |
| Assets | -2.41 |
| Loans and Leases Receivable | -0.910 |
| Goodwill | -1.06 |
| Cash Deposits and Cash Equivalents | -2.63 |
| Other Assets | 2.91 |
| Expenses | -3.96 |
| Revenues | 12.1 |
| Net Income | 2.02 |
| IT and Equipment Expense | -0.451 |
| Labor Expense | -2.58 |
| Other Revenues | 12.1 |
| Other Net Income | -7.84 |
| Comprehensive Net Income | 1.38 |
| Other Compr. Net Income | -0.639 |
| Economic Capital Ratio | 3.34 |
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.
