Financial Ratios Banco Santander, S.A.

Equities

SAN

ES0113900J37

Banks

Real-time Estimate Tradegate Other stock markets 14:51:08 13/03/2026 GMT			5-day change	1st Jan Change
9.612 ^EUR	-0.36%		+0.62%	-4.26%

10:19am	RBC Adjusts Banco Santander Price Target, Forecasts After Investor Day	MT
03-12	Apollo Sports Capital completed the acquisition of 55% stake in Club Atlético de Madrid S.A.D. from Quantum Pacific International Limited, Ares Management Corporation, Miguel Ángel Gil and Enrique Cerezo.	CI

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Published financial data: BANCO SANTANDER, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	40.47B	59.21B	77.7B	84.31B	76.25B
Interest Income On Investments	6.5B	12.7B	28.12B	29.14B	26.18B
Interest Income, Total	46.98B	71.92B	106B	113B	102B
Interest On Deposits	13.09B	32.81B	61.99B	66.07B	59.36B
Interest Expense, Total	13.09B	32.81B	61.99B	66.07B	59.36B
Net Interest Income	33.88B	39.11B	43.83B	47.38B	43.06B
Income From Trading Activities	1.14B	842M	2.32B	1.46B	1.02B
Gain (Loss) on Sale of Loans	89M	34M	-3M	-190M	-89M
Gain (Loss) on Sale of Assets	10M	19M	293M	340M	226M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	922M	1.24B	166M	1.26B	986M
Income (Loss) on Equity Invest. (Income Block)	432M	702M	613M	711M	665M
Total Other Non Interest Income	9.92B	10.19B	10.45B	12.48B	13.48B
Non Interest Income, Total	12.51B	13.02B	13.84B	16.06B	16.29B
Revenues Before Provison For Loan Losses	46.4B	52.13B	57.67B	63.44B	59.35B
Provision For Loan Losses	7.39B	10.86B	12.91B	12.64B	12.52B
Total Revenues	39.01B	41.27B	44.76B	50.8B	46.84B
Salaries And Other Employee Benefits	11.22B	12.55B	13.73B	14.33B	13.63B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	2.76B	2.98B	3.18B	3.29B	3.18B
Selling General & Admin Expenses, Total	6.88B	7.81B	7.94B	7.86B	7.36B
Total Other Non Interest Expense	2.85B	2.46B	3.28B	4.45B	3.28B
Non Interest Expense, Total	23.71B	25.81B	28.13B	29.93B	27.45B
EBT, Excl. Unusual Items	15.3B	15.46B	16.63B	20.87B	19.39B
Restructuring Charges	-530M	-	-	-	-
Impairment of Goodwill	-6M	-	-20M	-4M	-4M
Asset Writedown	-215M	-215M	-189M	-613M	-237M
Other Unusual Items	-	-	39M	-1.22B	-464M
EBT, Incl. Unusual Items	14.55B	15.25B	16.46B	19.03B	18.68B
Income Tax Expense	4.89B	4.49B	4.28B	5.28B	4.72B
Earnings From Continuing Operations	9.65B	10.76B	12.18B	13.74B	13.96B
Earnings Of Discontinued Operations	-	-	-	-	1.54B
Net Income to Company	9.65B	10.76B	12.18B	13.74B	15.5B
Minority Interest	-1.53B	-1.16B	-1.11B	-1.17B	-1.4B
Net Income - (IS)	8.12B	9.6B	11.08B	12.57B	14.1B
Preferred Dividend and Other Adjustments	566M	529M	492M	620M	622M
Net Income to Common Incl Extra Items	7.56B	9.08B	10.58B	11.95B	13.48B
Net Income to Common Excl. Extra Items	7.56B	9.08B	10.58B	11.95B	11.94B
Per Share Items
Net EPS - Basic	0.44	0.54	0.65	0.77	0.91
Basic EPS - Continuing Operations	0.44	0.54	0.65	0.77	0.8
Basic Weighted Average Shares Outstanding	17.27B	16.85B	16.17B	15.5B	14.89B
Net EPS - Diluted	0.44	0.54	0.65	0.77	0.9
Diluted EPS - Continuing Operations	0.44	0.54	0.65	0.77	0.8
Diluted Weighted Average Shares Outstanding	17.32B	16.9B	16.25B	15.57B	14.98B
Normalized Basic EPS	0.47	0.5	0.57	0.77	0.72
Normalized Diluted EPS	0.46	0.5	0.57	0.76	0.72
Dividend Per Share	0.1	0.12	0.18	0.21	0.24
Payout Ratio	16.16	19.24	20.41	23.99	23.69
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	33.64	29.42	25.98	27.77	25.28
Total Current Taxes	3.8B	4.27B	5.57B	4.86B	5.67B
Total Deferred Taxes	1.1B	214M	-1.29B	428M	-535M
Normalized Net Income	8.03B	8.51B	9.29B	11.87B	10.72B
Non-Cash Pension Expense	126M	128M	291M	415M	468M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	211B	223B	220B	192B	152B
Investment Securities, Total	185B	206B	240B	216B	218B
Trading Asset Securities, Total	136B	167B	188B	240B	261B
Total investments	320B	373B	428B	456B	480B
Gross Loans	1T	1,065B	1,074B	1,116B	1,098B
Allowance For Loan Losses	-22.96B	-22.68B	-22.79B	-22.12B	-21.16B
Net Loans	977B	1,042B	1,052B	1,094B	1,077B
Gross Property Plant And Equipment	49.6B	51.51B	51.34B	48.62B	42.82B
Accumulated Depreciation	-17.25B	-18.47B	-18.42B	-17.4B	-16.4B
Net Property Plant And Equipment	32.34B	33.04B	32.93B	31.21B	26.42B
Goodwill	12.71B	13.74B	14.02B	13.44B	11.96B
Other Intangibles, Total	3.87B	4.9B	5.85B	5.82B	5.35B
Investment in Real Estate	979M	1.03B	956M	875M	1.02B
Other Receivables	5.76B	9.2B	10.62B	11.43B	11.13B
Other Current Assets, Total	3.05B	3.37B	3.16B	4.4B	75.65B
Deferred Tax Assets Long-Term (Collected)	19.44B	20.79B	20.77B	19.17B	18.94B
Other Real Estate Owned And Foreclosed	3.65B	3.1B	2.77B	2.62B	2.49B
Other Long-Term Assets, Total	6.26B	7.38B	6.18B	5.76B	5.81B
Total Assets	1,596B	1,735B	1,797B	1,837B	1,868B
Liabilities
Accounts Payable, Total	1.48B	1.56B	1.78B	1.45B	1.45B
Accrued Expenses, Total	9.1B	10.53B	11.85B	11.72B	9.74B
Interest Bearing Deposits	394B	444B	463B	448B	414B
Non-Interest Bearing Deposits	711B	718B	697B	707B	689B
Total Deposits	1,106B	1,162B	1,160B	1,155B	1,103B
Short-Term Borrowings	59.55B	74.26B	58.57B	62.72B	56.54B
Current Portion of Long-Term Debt	61.91B	81.85B	93.44B	85.53B	89.59B
Current Portion of Leases	690M	707M	586M	526M	466M
Long-Term Debt	184B	198B	215B	240B	235B
Long-Term Leases	2.17B	1.92B	1.81B	1.68B	1.36B
Current Income Taxes Payable	2.19B	3.04B	3.85B	3.32B	3.66B
Other Current Liabilities - (Bank / Utility Template)	32.41B	57.75B	78.7B	102B	191B
Unearned Revenue Non Current	56M	65M	-	-	-
Pension & Other Post Retirement Benefits	4.43B	3.34B	3.1B	2.65B	2.65B
Deferred Tax Liability Non-Current	6.46B	6.43B	6.09B	6.28B	5.9B
Other Non Current Liabilities	28.22B	34.72B	57.59B	56.41B	54.85B
Total Liabilities	1,499B	1,637B	1,693B	1,730B	1,755B
Common Stock, Total	8.67B	8.4B	8.09B	7.58B	7.34B
Additional Paid In Capital	47.98B	46.27B	44.37B	40.08B	36.79B
Retained Earnings	61.51B	68.32B	76.38B	85.56B	95.19B
Treasury Stock	-894M	-675M	-1.08B	-68M	-96M
Comprehensive Income and Other	-30.34B	-33.21B	-32.34B	-34.55B	-36.06B
Total Common Equity	86.93B	89.1B	95.42B	98.6B	103B
Minority Interest	10.12B	8.48B	8.82B	8.73B	9.58B
Total Equity	97.05B	97.58B	104B	107B	113B
Total Liabilities And Equity	1,596B	1,735B	1,797B	1,837B	1,868B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	17.06B	16.55B	15.89B	15.14B	14.68B
ECS Total Common Shares Outstanding	17.06B	16.55B	15.89B	15.14B	14.68B
Book Value / Share	5.09	5.38	6.01	6.51	7.03
Tangible Book Value	70.35B	70.46B	75.55B	79.34B	85.86B
Tangible Book Value Per Share	4.12	4.26	4.76	5.24	5.85
Tangible Book Value Per Share (As Reported)	4.12	4.26	4.76	5.24	5.76
Average Assets	1,564B	1,720B	1,773B	1,803B	1,843B
Average Loans	943B	1,031B	1,037B	1,053B	1,023B
Total Debt	309B	357B	370B	390B	383B
Deposits at Interest - Cash	203B	214B	212B	183B	145B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.86B	1.2B	1.51B	1.42B	1.54B
Net Debt	-70.95B	-72.23B	-83.08B	-42B	-30.98B
Equity Method Investments, Total	7.52B	7.62B	7.65B	7.28B	7.05B
Full Time Employees	177K	185K	200K	200K	192K
Part Time Employees	11.28K	11.12K	7.13K	6.8K	6.16K
Number Of Offices	9.88K	9.02K	8.52K	8.01K	7.12K
Assets on Operating Lease - Gross	24.32B	25.13B	25.3B	23.36B	19.03B
Assets on Operating Lease - Accumulated Depreciation	-5.24B	-5.58B	-5.78B	-4.78B	-4.27B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	8.12B	9.6B	11.08B	12.57B	14.1B
Depreciation, Depletion & Amortization	1.74B	1.83B	1.76B	1.61B	1.33B
Amortization of Goodwill and Intangible Assets - (CF)	91M	127M	135M	137M	132M
Total Depreciation, Depletion & Amortization	1.83B	1.96B	1.89B	1.75B	1.46B
Amortization of Deferred Charges, Total	922M	1.02B	1.29B	1.55B	1.72B
Change in Trading Asset Securities	39.83B	-1.4B	-14.74B	-70.84B	-19.19B
Change in Other Net Operating Assets (Collected)	-10.15B	-134M	-14.17B	10.46B	-37.54B
Other Operating Activities	16.12B	16.65B	19.66B	20.36B	24.61B
Cash from Operations	56.69B	27.71B	5.02B	-24.16B	-14.84B
Capital Expenditure	-10.02B	-9.07B	-11.45B	-8.49B	-5.85B
Sale of Property, Plant, and Equipment	7.28B	6.61B	7.99B	6.95B	7.66B
Cash Acquisitions	-140M	-784M	-1.27B	-71M	-187M
Divestitures	6M	734M	885M	8M	54M
Purchase / Sale of Intangible Assets	-1.39B	-1.77B	-2.2B	-2.1B	-1.8B
Investment in Marketable and Equity Securities, Total	546M	381M	675M	-5M	670M
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-3.72B	-3.9B	-5.37B	-3.71B	534M
Long-Term Debt Issued, Total	5.34B	119M	7.01B	7B	2.29B
Total Debt Issued	5.34B	119M	7.01B	7B	2.29B
Long-Term Debt Repaid, Total	-2.68B	-2.29B	-2.93B	-4.1B	-8.82B
Total Debt Repaid	-2.68B	-2.29B	-2.93B	-4.1B	-8.82B
Issuance of Common Stock	854M	573M	825M	765M	815M
Repurchase of Common Stock	-1.64B	-2.05B	-3.11B	-4.79B	-4.08B
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.31B	-1.85B	-2.26B	-3.02B	-3.34B
Common & Preferred Stock Dividends Paid	-1.31B	-1.85B	-2.26B	-3.02B	-3.34B
Other Financing Activities, Total	-1.87B	-4.47B	-1.59B	-1.37B	-1.06B
Cash from Financing	-1.32B	-9.96B	-2.06B	-5.51B	-14.2B
Foreign Exchange Rate Adjustments	5.2B	-1.46B	-322M	5.24B	-8.91B
Net Change in Cash	56.85B	12.38B	-2.73B	-28.13B	-37.41B
Supplemental Items
Cash Interest Paid	-	-	-	61.09B	57.74B
Cash Income Tax Paid (Refund)	4.01B	5.5B	5.21B	5.88B	4.95B
Net Debt Issued / Repaid	2.66B	-2.17B	4.08B	2.9B	-6.54B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.62	0.65	0.69	0.76	0.75
Return On Equity %	10.25	11.06	12.07	12.99	12.68
Return on Common Equity	8.98	10.31	11.47	12.32	11.83
Shareholders Value Added	-1.56B	-830M	139M	1.07B	2.13B
Margin Analysis
SG&A Margin	53.47	56.56	55.53	50.16	51.6
Net Interest Income / Total Revenues %	86.86	94.75	97.93	93.28	91.94
EBT Excl. Non-Recurring Items Margin %	39.22	37.47	37.15	41.08	41.39
Income From Continuing Operations Margin %	24.75	26.08	27.22	27.06	29.8
Net Income Margin %	20.83	23.27	24.75	24.75	30.11
Net Avail. For Common Margin %	19.38	21.99	23.65	23.53	25.49
Normalized Net Income Margin	20.59	20.61	20.75	23.37	22.88
Asset quality
Nonperforming Loans / Total Loans %	3.32	3.26	3.32	3.16	3.13
Nonperforming Loans / Total Assets %	2.08	2	1.98	1.92	1.84
Nonperforming Assets / Total Assets %	2.31	2.18	2.14	2.06	1.97
NPAs / Loans and OREO	3.68	3.54	3.56	3.39	3.35
NPAs / Equity	38	38.71	36.83	35.3	32.71
Allowance for Credit Losses / Net Charge-offs %	298	210.5	185.95	190.62	184.38
Allowance for Credit Losses / Nonperforming Loans %	69.1	65.42	63.98	62.74	61.52
Allowance for Credit Losses / Total Loans %	2.3	2.13	2.12	1.98	1.93
Net Charge-offs / Total Average Loans %	0.82	1.04	1.18	1.1	1.12
Provision for Loan Losses / Net Charge-offs %	95.87	100.74	105.36	108.93	109.08
Earning Assets / IBL	104.11	104.26	104.91	105.18	105.91
Interest Income / Average Assets	3	4.18	5.97	6.29	5.56
Interest Expense / Average Assets	0.84	1.91	3.5	3.66	3.22
Net Interest Income / Average Assets	2.17	2.27	2.47	2.63	2.34
Non Interest Income / Average Assets	0.8	0.76	0.78	0.89	0.88
Non Interest Expense / Average Asset	1.52	1.5	1.59	1.66	1.49
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.43	5.29	5.22	5.34	5.45
Total Average Equity / Total Average Assets %	6.07	5.84	5.71	5.82	5.94
Total Equity + Allowance for Loan Losses / Total Loans %	10.99	10.5	11	10.82	11.32
Gross Loans / Total Deposits %	90.39	91.61	92.6	96.61	99.55
Net Loans / Total Deposits %	88.31	89.66	90.64	94.69	97.63
Tier 1 Capital Ratio %	14.24	13.63	13.75	14.44	15
Total Capital Ratio %	16.81	15.99	16.39	17.39	17.77
Core Tier 1 Capital Ratio	12.51	12.18	12.3	12.78	13.46
Tier 2 Capital Ratio	2.57	2.36	2.64	2.95	2.77
Coverage Ratio	72.57	68.97	66.84	65.59	67
Interbank Ratio	74.99	67.83	71.29	61.7	82.36
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.11	1.46	1.27	1.29	1.31
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.63	15.42	12.08	8.1	-3.22
Non Interest Income, 1 Yr. Growth %	5.87	4.08	6.28	8.1	5.44
Provision For Loan Losses, 1 Yr. Growth %	-40.24	46.94	18.94	-2.08	3.13
Total Revenues, 1 Yr. Growth %	22.51	5.81	8.45	10.97	-2.04
Earnings From Cont. Operations, 1 Yr. Growth %	-225.23	11.51	13.18	12.81	11.64
Net Income, 1 Yr. Growth %	-192.62	18.23	15.31	13.52	12.14
Normalized Net Income, 1 Yr. Growth %	65.93	5.91	9.16	19.68	-0.96
Diluted EPS Before Extra, 1 Yr. Growth %	-180.98	23.17	21.23	17.97	15.8
Dividend Per Share, 1 Yr. Growth %	-21.57	17.8	49.41	19.32	14.29
Gross Loans, 1 Yr. Growth %	7.54	6.54	0.9	-0.23	-1.63
Allowance For Loan Losses, 1 Yr. Growth %	-2.67	-1.22	0.46	-2.91	-4.37
Net Loans, 1 Yr. Growth %	7.81	6.72	0.91	-0.18	-1.57
Non Performing Loans, 1 Yr. Growth %	4.62	4.33	2.73	-1	-2.47
Non Performing Assets, 1 Yr. Growth %	2.89	2.41	1.64	-1.32	-2.66
Total Assets, 1 Yr. Growth %	5.81	8.7	3.6	2.23	1.66
Total Deposits, 1 Yr Growth %	6.95	5.11	1.18	-0.44	-4.54
Tangible Book Value, 1 Yr. Growth %	7.29	0.16	7.23	5.02	8.22
Average Interest Earning Assets, 1 Yr. Growth %	4.36	10.3	3.46	2.19	2.25
Average Interest Bearing Liabilities, 1 Yr. Growth %	3.7	9.56	2.76	1.93	1.37
Common Equity, 1 Yr. Growth %	6.69	2.5	7.09	3.33	4.63
Total Equity, 1 Yr. Growth %	6.28	0.55	6.82	2.96	5.05
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.74	9.89	13.74	10.07	2.21
Non Interest Income, 2 Yr. CAGR %	-6.98	4.97	5.17	8.28	6.67
Provision For Loan Losses, 2 Yr. CAGR %	-11.06	-6.29	32.2	7.92	0.98
Total Revenues, 2 Yr. CAGR %	-2.38	13.85	7.12	10.04	4.05
Earnings From Cont. Operations, 2 Yr. CAGR %	9.06	18.17	12.34	13	12.01
Net Income, 2 Yr. CAGR %	11.67	4.65	16.76	14.42	12.83
Normalized Net Income, 2 Yr. CAGR %	1.58	32.56	7.52	15.32	9.05
Diluted EPS Before Extra, 2 Yr. CAGR %	12.25	-0.13	22.19	19.59	16.64
Dividend Per Share, 2 Yr. CAGR %	2.17	-3.88	32.66	33.52	16.77
Gross Loans, 2 Yr. CAGR %	2.76	7.04	3.68	0.53	-0.93
Allowance For Loan Losses, 2 Yr. CAGR %	1.61	-1.95	-0.38	-1.24	-3.64
Net Loans, 2 Yr. CAGR %	2.78	7.26	3.77	0.56	-0.88
Non Performing Loans, 2 Yr. CAGR %	-0.84	4.47	3.53	0.85	-1.74
Non Performing Assets, 2 Yr. CAGR %	-1.84	2.65	2.02	0.15	-1.99
Total Assets, 2 Yr. CAGR %	2.37	7.24	6.12	2.91	1.94
Total Deposits, 2 Yr CAGR %	5.18	6.03	3.27	0.37	-2.51
Tangible Book Value, 2 Yr. CAGR %	-1.42	3.66	3.63	6.12	6.6
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	6.82	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	6.1	-	-
Common Equity, 2 Yr. CAGR %	-6.8	4.58	4.77	5.19	3.98
Total Equity, 2 Yr. CAGR %	-6.35	3.37	3.64	4.87	4
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.8	2.97	10.62	11.83	3.26
Non Interest Income, 3 Yr. CAGR %	-2.74	-3.43	5.41	8.68	5.95
Provision For Loan Losses, 3 Yr. CAGR %	-6.32	5.14	1.46	19.62	4.86
Total Revenues, 3 Yr. CAGR %	-0.27	0.27	12.02	9.2	3.74
Earnings From Cont. Operations, 3 Yr. CAGR %	1.2	9.87	16.49	12.5	9.05
Net Income, 3 Yr. CAGR %	1.32	13.81	8.09	15.67	13.65
Normalized Net Income, 3 Yr. CAGR %	2.52	3	24.25	13.91	6.28
Diluted EPS Before Extra, 3 Yr. CAGR %	0.54	15.78	6.54	20.77	14.07
Dividend Per Share, 3 Yr. CAGR %	-18.82	7.13	11.34	28.06	26.77
Gross Loans, 3 Yr. CAGR %	2.95	4	4.95	3.74	-0.2
Allowance For Loan Losses, 3 Yr. CAGR %	-0.49	0.66	-1.15	-1.23	-2.29
Net Loans, 3 Yr. CAGR %	3.04	4.08	5.1	3.85	-0.15
Non Performing Loans, 3 Yr. CAGR %	-2.35	0.85	3.89	2	-0.27
Non Performing Assets, 3 Yr. CAGR %	-3.48	-0.45	2.31	0.9	-0.8
Total Assets, 3 Yr. CAGR %	3.03	4.44	6.01	4.8	2.49
Total Deposits, 3 Yr CAGR %	4.52	5.16	3.92	2.02	-1.29
Tangible Book Value, 3 Yr. CAGR %	1.18	-0.89	4.84	4.09	6.81
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	5.26	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	4.69	-
Common Equity, 3 Yr. CAGR %	-3.41	-3.8	5.41	4.29	5.01
Total Equity, 3 Yr. CAGR %	-3.31	-4.1	4.51	3.41	4.93
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.47	2.43	4.78	5.76	5.86
Non Interest Income, 5 Yr. CAGR %	-0.03	-1.39	0.35	2.12	6.63
Provision For Loan Losses, 5 Yr. CAGR %	-5.02	3.27	7.52	6.24	0.25
Total Revenues, 5 Yr. CAGR %	2.5	0.93	2.62	4.41	8.02
Earnings From Cont. Operations, 5 Yr. CAGR %	5.22	5.57	5.52	11.11	12.61
Net Income, 5 Yr. CAGR %	5.54	7.73	7.24	14.05	9.96
Normalized Net Income, 5 Yr. CAGR %	7.84	4.94	4.49	8.81	17.23
Diluted EPS Before Extra, 5 Yr. CAGR %	2.66	6.82	8.7	17.29	8.16
Dividend Per Share, 5 Yr. CAGR %	-8.75	-7.34	-1.19	17	13.49
Gross Loans, 5 Yr. CAGR %	3.96	3.81	3.24	3.35	3.39
Allowance For Loan Losses, 5 Yr. CAGR %	-1.2	-1.07	-0.45	-0.11	-2.16
Net Loans, 5 Yr. CAGR %	4.1	3.94	3.33	3.42	3.52
Non Performing Loans, 5 Yr. CAGR %	-0.24	-1.61	-0.04	0.85	1.6
Non Performing Assets, 5 Yr. CAGR %	-1.25	-5.13	-1.32	-0.21	0.57
Total Assets, 5 Yr. CAGR %	3.57	3.73	4.25	3.83	4.37
Total Deposits, 5 Yr CAGR %	5.93	4.35	3.68	2.94	1.3
Tangible Book Value, 5 Yr. CAGR %	2.72	1.38	2.16	1.85	5.54
Common Equity, 5 Yr. CAGR %	-0.9	-1.17	-0.22	-0.3	4.83
Total Equity, 5 Yr. CAGR %	-1.12	-1.79	-0.59	-0.61	4.31