Income Statement Bank of Communications Co., Ltd.

Equities

3328

CNE100000205

Banks

Market Closed - Hong Kong S.E. Other stock markets 08:08:56 21/01/2026 GMT			5-day change	1st Jan Change
6.550 ^HKD	-0.30%		-0.46%	+1.55%

01-07	Sichuan Kelun-Biotech Subscribes to Wealth Management Products	MT
01-06	Sichuan Kelun-Biotech Biopharmaceutical subscribes for wealth management products	RE

89581a882537d.rFcT3mGj792kufQnW0L1JssweQzz3UDKNwWPQ5AnfYo.lGdFuCjFmIzV3J5DNwSBbaxbP0KG6ni6ZXL1EehBM_qeFnDoMNWHuszItQ

Published financial data: BANK OF COMMUNICATIONS CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	369B	378B	418B	460B	452B
Interest Income, Total	369B	378B	418B	460B	452B
Interest On Deposits	216B	216B	248B	296B	282B
Interest Expense, Total	216B	216B	248B	296B	282B
Net Interest Income	153B	162B	170B	164B	170B
Income From Trading Activities	13.84B	23.34B	-	-	-
Income (Loss) on Real Estate Property	-	-	-8M	-61M	-231M
Gain (Loss) on Sale of Assets	166M	454M	739M	793M	878M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.18B	1.31B	-	-2M	27.12B
Income (Loss) on Equity Invest. (Income Block)	222M	277M	-	-	-
Total Other Non Interest Income	77.8B	82.49B	102B	92.68B	61.99B
Non Interest Income, Total	93.21B	108B	103B	93.41B	89.76B
Revenues Before Provison For Loan Losses	247B	270B	273B	258B	260B
Provision For Loan Losses	62.06B	66.37B	60.41B	56.91B	52.57B
Total Revenues	184B	203B	213B	201B	207B
Selling General & Admin Expenses, Total	9.52B	9.11B	86.7B	91.17B	92.94B
(Income) Loss on Real Estate Property	-1M	284M	-	-	-
Total Other Non Interest Expense	88.21B	98.19B	26B	9.02B	9.32B
Non Operating (Income) Expenses	-	-	-248M	-267M	-124M
Non Interest Expense, Total	97.72B	108B	112B	99.93B	102B
EBT, Excl. Unusual Items	86.76B	95.61B	100B	101B	105B
Asset Writedown	-305M	-1.85B	-1.89B	-1B	-1.41B
Legal Settlements	-32M	199M	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	86.42B	93.96B	98.22B	99.7B	103B
Income Tax Expense	6.86B	5.02B	6.18B	6.45B	9.25B
Earnings From Continuing Operations	79.57B	88.94B	92.03B	93.25B	94.23B
Net Income to Company	79.57B	88.94B	92.03B	93.25B	94.23B
Minority Interest	-1.3B	-1.36B	119M	-524M	-643M
Net Income - (IS)	78.27B	87.58B	92.15B	92.73B	93.59B
Preferred Dividend and Other Adjustments	4.39B	5.61B	7.48B	7.47B	7.46B
Net Income to Common Incl Extra Items	73.88B	81.97B	84.67B	85.26B	86.12B
Net Income to Common Excl. Extra Items	73.88B	81.97B	84.67B	85.26B	86.12B
Per Share Items
Net EPS - Basic	0.99	1.1	1.14	1.15	1.16
Basic EPS - Continuing Operations	0.99	1.1	1.14	1.15	1.16
Basic Weighted Average Shares Outstanding	74.26B	74.26B	74.26B	74.26B	74.26B
Net EPS - Diluted	0.99	1.1	1.14	1.15	1.16
Diluted EPS - Continuing Operations	0.99	1.1	1.14	1.15	1.16
Diluted Weighted Average Shares Outstanding	74.26B	74.26B	74.26B	74.26B	74.26B
Normalized Basic EPS	0.71	0.79	0.84	0.84	0.87
Normalized Diluted EPS	0.71	0.79	0.84	0.84	0.87
Dividend Per Share	0.32	0.36	0.37	0.38	0.38
Payout Ratio	35.5	101.43	53.11	54.34	55.76
American Depositary Receipts Ratio (ADR)	25	25	25	25	25
Supplemental Items
Effective Tax Rate - (Ratio)	7.93	5.34	6.3	6.47	8.94
Total Current Taxes	9.45B	8.88B	11.1B	7.34B	13.93B
Total Deferred Taxes	-2.6B	-3.86B	-4.91B	-889M	-4.68B
Normalized Net Income	52.93B	58.4B	62.68B	62.41B	64.91B
Non-Cash Pension Expense	17M	24M	26M	21M	29M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	15.35B	13.3B	13.84B	203B	78.12B
Investment Securities, Total	3,336B	3,497B	3,898B	4,217B	4,282B
Trading Asset Securities, Total	537B	678B	775B	710B	757B
Total investments	3,873B	4,174B	4,673B	4,926B	5,038B
Gross Loans	5,848B	6,560B	7,315B	7,978B	8,788B
Allowance For Loan Losses	-139B	-160B	-176B	-204B	-225B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	5,709B	6,400B	7,139B	7,775B	8,563B
Gross Property Plant And Equipment	252B	260B	295B	328B	359B
Accumulated Depreciation	-75.89B	-82.48B	-93.85B	-103B	-114B
Net Property Plant And Equipment	176B	178B	201B	224B	246B
Goodwill	401M	395M	407M	415M	399M
Other Intangibles, Total	3.61B	3.87B	3.95B	4.63B	4.84B
Investment in Real Estate	7.35B	6.34B	6.39B	5.52B	5.46B
Accrued Interest Receivable	18.61B	20.31B	5.25B	5.87B	26.89B
Other Receivables	201B	182B	189B	144B	221B
Restricted Cash	634B	624B	683B	694B	638B
Other Current Assets, Total	22.96B	21.66B	30.41B	26.3B	27.42B
Deferred Tax Assets Long-Term (Collected)	27.99B	32.06B	38.77B	40.38B	42.75B
Other Real Estate Owned And Foreclosed	967M	1.03B	1B	945M	523M
Deferred Charges Long-Term	599M	721M	879M	1.19B	1.06B
Other Long-Term Assets, Total	6.14B	6.77B	6.84B	8.6B	7.34B
Total Assets	10,698B	11,666B	12,992B	14,060B	14,901B
Liabilities
Accrued Expenses, Total	15.8B	20.04B	21.74B	23.49B	26.2B
Interest Bearing Deposits	4,363B	4,937B	6,077B	6,537B	7,144B
Non-Interest Bearing Deposits	2,818B	2,913B	2,874B	2,935B	2,911B
Total Deposits	7,181B	7,850B	8,952B	9,472B	10,055B
Short-Term Borrowings	720B	1,117B	1,029B	1,289B	1,494B
Current Portion of Long-Term Debt	1,111B	863B	1,043B	1,162B	1,074B
Current Portion of Leases	8.44B	-	-	-	-
Long-Term Debt	483B	485B	524B	599B	642B
Long-Term Leases	24.92B	31.74B	18.39B	19.12B	6.54B
Current Income Taxes Payable	3.79B	4.72B	3.94B	4.54B	8.06B
Accrued Interest Payable	68.08B	83.59B	119B	156B	167B
Other Current Liabilities - (Bank / Utility Template)	54.82B	40.29B	59B	59.88B	71.6B
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	1.29B	1.89B	1.79B	2.41B	4.32B
Other Non Current Liabilities	146B	193B	185B	174B	196B
Total Liabilities	9,819B	10,689B	11,957B	12,961B	13,745B
Preferred Stock Convertible	44.95B	44.95B	44.95B	44.95B	44.95B
Total Preferred Equity	44.95B	44.95B	44.95B	44.95B	44.95B
Common Stock, Total	74.26B	74.26B	74.26B	74.26B	74.26B
Additional Paid In Capital	111B	111B	111B	111B	111B
Retained Earnings	550B	608B	667B	723B	768B
Comprehensive Income and Other	85.99B	126B	127B	134B	146B
Total Common Equity	822B	920B	978B	1,043B	1,099B
Minority Interest	12.02B	12.59B	12.33B	11.42B	11.29B
Total Equity	879B	977B	1,036B	1,099B	1,156B
Total Liabilities And Equity	10,698B	11,666B	12,992B	14,060B	14,901B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	74.26B	74.26B	74.26B	74.26B	74.26B
ECS Total Common Shares Outstanding	-	74.26B	74.26B	74.26B	74.26B
Book Value / Share	9.87	10.64	11.43	12.3	13.06
Tangible Book Value	818B	915B	974B	1,038B	1,094B
Tangible Book Value Per Share	9.82	10.58	11.37	12.23	12.98
Average Assets	10,742B	11,407B	12,613B	13,872B	14,391B
Average Loans	5,522B	6,154B	6,935B	7,742B	8,265B
Total Debt	2,348B	2,495B	2,614B	3,069B	3,216B
Deposits at Interest - Cash	135B	90.66B	235B	263B	148B
Debt Equivalent of Unfunded Proj. Benefit Obligation	467M	385M	396M	331M	320M
Net Debt	1,219B	1,198B	1,186B	1,411B	1,776B
Equity Method Investments, Total	4.68B	5.78B	8.75B	8.99B	11.6B
Full Time Employees	-	90.24K	91.82K	94.28K	95.75K
Number Of Offices	-	2.8K	2.79K	2.8K	2.8K
Assets on Operating Lease - Gross	-	-	-	202B	232B
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-39.5B	-45.28B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	78.27B	87.58B	92.15B	92.73B	93.59B
Depreciation, Depletion & Amortization	14.45B	14.46B	15.6B	17.74B	18.65B
Amortization of Goodwill and Intangible Assets - (CF)	-	-	82M	85M	79M
Total Depreciation, Depletion & Amortization	14.45B	14.46B	15.68B	17.82B	18.73B
Amortization of Deferred Charges, Total	326M	376M	467M	456M	639M
(Gain) Loss On Sale of Asset - (CF)	-167M	-170M	-739M	-732M	-647M
(Gain) Loss on Sale of Investments - (CF)	-990M	-1.52B	-12.3B	5.32B	-713M
Total Asset Writedown	-5.47B	562M	1.72B	1.18B	1.49B
Provision for Credit Losses	56.77B	63.5B	57.71B	57.54B	50.32B
(Income) Loss On Equity Investments - (CF)	-222M	-277M	-	-	-
Change in Trading Asset Securities	-83.7B	-128B	-	-	-
Change In Deferred Taxes	-	-	-4.91B	-889M	-4.68B
Change in Other Net Operating Assets (Collected)	-518B	-698B	268B	70.48B	-121B
Other Operating Activities	-61.46B	-47.45B	-49.09B	-107B	-94.93B
Cash from Operations	-520B	-709B	368B	137B	-57.35B
Capital Expenditure	-21.41B	-20.48B	-31.66B	-47.59B	-42.18B
Sale of Property, Plant, and Equipment	4.38B	3.46B	7.03B	9.6B	5.82B
Cash Acquisitions	-	-	-2.78B	-	-2.51B
Purchase / Sale of Intangible Assets	-2.36B	-1.96B	-	-	-
Investment in Marketable and Equity Securities, Total	-166B	-146B	-353B	-191B	-173B
Other Investing Activities, Total	91.03B	89.49B	95.73B	112B	114B
Cash from Investing	-94.59B	-75.55B	-285B	-117B	-98.09B
Long-Term Debt Issued, Total	177B	96.12B	182B	196B	205B
Total Debt Issued	177B	96.12B	182B	196B	205B
Long-Term Debt Repaid, Total	-82.89B	-17.76B	-166B	-140B	-110B
Total Debt Repaid	-82.89B	-17.76B	-166B	-140B	-110B
Issuance of Common Stock	51.8B	41.5B	-	-	40B
Repurchase of Common Stock	-17.12B	-29.15B	-	-	-
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-27.78B	-88.83B	-48.94B	-50.39B	-52.18B
Common & Preferred Stock Dividends Paid	-27.78B	-88.83B	-48.94B	-50.39B	-52.18B
Net Increase (Decrease) in Deposit Accounts - (CF)	670B	675B	-	-	-
Other Financing Activities, Total	-13.21B	-564M	-515M	-439M	-40.33B
Cash from Financing	758B	676B	-32.98B	4.89B	42.52B
Foreign Exchange Rate Adjustments	-3.7B	-3.8B	4.15B	1.07B	-594M
Net Change in Cash	139B	-113B	54.5B	26.66B	-114B
Supplemental Items
Cash Interest Paid	218B	186B	206B	246B	257B
Cash Income Tax Paid (Refund)	12.75B	-939M	35.1B	28.89B	31.6B
Net Debt Issued / Repaid	94.6B	78.36B	16.48B	55.72B	95.03B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.77	0.8	0.75	0.69	0.65
Return On Equity %	9.48	9.58	9.14	8.74	8.36
Return on Common Equity	9.5	9.41	8.92	8.44	8.04
Shareholders Value Added	-15.03B	-16.9B	-21.66B	-28.4B	-34.88B
Margin Analysis
SG&A Margin	5.16	4.48	40.79	45.44	44.89
Net Interest Income / Total Revenues %	83.12	79.58	79.95	81.81	82.03
EBT Excl. Non-Recurring Items Margin %	47.03	47.06	47.09	50.19	50.66
Income From Continuing Operations Margin %	43.13	43.77	43.3	46.48	45.52
Net Income Margin %	42.43	43.1	43.35	46.22	45.2
Net Avail. For Common Margin %	40.05	40.34	39.83	42.49	41.6
Normalized Net Income Margin	28.69	28.74	29.49	31.11	31.35
Asset quality
Nonperforming Loans / Total Loans %	1.67	1.48	1.35	1.32	1.27
Nonperforming Loans / Total Assets %	0.91	0.83	0.76	0.75	0.75
Nonperforming Assets / Total Assets %	0.92	0.84	0.77	0.76	0.75
NPAs / Loans and OREO	1.69	1.49	1.36	1.34	1.28
NPAs / Equity	11.23	10.01	9.61	9.7	9.71
Allowance for Credit Losses / Net Charge-offs %	285.74	392.12	428.7	801.63	748.02
Allowance for Credit Losses / Nonperforming Loans %	142.56	165.39	178.81	192.81	201.52
Allowance for Credit Losses / Total Loans %	2.38	2.44	2.41	2.55	2.56
Net Charge-offs / Total Average Loans %	0.88	0.66	0.59	0.33	0.36
Provision for Loan Losses / Net Charge-offs %	127.32	162.57	147	223.87	174.72
Earning Assets / IBL	104.02	104.28	104.67	106.08	107.34
Interest Income / Average Assets	3.44	3.31	3.31	3.32	3.14
Interest Expense / Average Assets	2.01	1.89	1.97	2.13	1.96
Net Interest Income / Average Assets	1.43	1.42	1.35	1.18	1.18
Non Interest Income / Average Assets	0.87	0.95	0.82	0.67	0.62
Non Interest Expense / Average Asset	0.91	0.94	0.89	0.72	0.71
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.55	7.79	7.7	7.47	7.4
Total Average Equity / Total Average Assets %	8.15	8.3	8.16	7.88	7.79
Total Equity + Allowance for Loan Losses / Total Loans %	17.2	17.14	16.4	16.19	15.58
Gross Loans / Total Deposits %	81.44	83.58	81.71	84.23	87.4
Net Loans / Total Deposits %	79.5	81.54	79.75	82.08	85.16
Tier 1 Capital Ratio %	12.88	13.01	12.18	12.22	12.11
Total Capital Ratio %	15.25	15.45	14.97	15.27	16.02
Core Tier 1 Capital Ratio	10.87	10.62	10.06	10.23	10.24
Tier 2 Capital Ratio	2.38	2.44	2.8	3.04	3.91
Coverage Ratio	142.56	165.39	178.86	192.84	201.55
Interbank Ratio	43.64	39.34	13.17	15.85	20.2
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.4	1.44	1.4	1.34	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.42	5.45	5.1	-3.39	3.48
Non Interest Income, 1 Yr. Growth %	5.03	15.73	-4.08	7.48	-3.9
Provision For Loan Losses, 1 Yr. Growth %	19.45	6.95	-8.98	-5.8	-7.63
Total Revenues, 1 Yr. Growth %	2	10.14	4.85	2.16	3.19
Earnings From Cont. Operations, 1 Yr. Growth %	1.93	11.77	3.48	1.41	1.05
Net Income, 1 Yr. Growth %	1.28	11.89	5.22	0.68	0.93
Normalized Net Income, 1 Yr. Growth %	-2.88	10.33	6.9	-0.38	3.99
Diluted EPS Before Extra, 1 Yr. Growth %	-0.98	10.95	3.64	0.75	1.02
Dividend Per Share, 1 Yr. Growth %	0.63	11.99	5.07	0.54	1.07
Gross Loans, 1 Yr. Growth %	10.26	12.17	11.26	9.09	7.43
Allowance For Loan Losses, 1 Yr. Growth %	4.94	14.95	10.05	15.66	9.54
Net Loans, 1 Yr. Growth %	10.4	12.11	11.29	8.93	7.38
Non Performing Loans, 1 Yr. Growth %	25.18	-0.92	1.79	7.27	5.67
Non Performing Assets, 1 Yr. Growth %	25.21	-0.85	1.74	7.14	5.22
Total Assets, 1 Yr. Growth %	8	9.05	11.37	8.23	5.98
Total Deposits, 1 Yr Growth %	-3.39	9.3	14.04	5.81	6.16
Tangible Book Value, 1 Yr. Growth %	12.06	11.96	6.41	6.72	5.4
Average Interest Earning Assets, 1 Yr. Growth %	7.63	6.06	10.8	11.44	4.52
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.09	5.79	10.39	9.95	3.29
Common Equity, 1 Yr. Growth %	12.04	11.93	6.39	6.76	5.4
Total Equity, 1 Yr. Growth %	9.7	11.22	5.99	6.38	5.11
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	8.23	5.93	5.27	0.75	-0.01
Non Interest Income, 2 Yr. CAGR %	6.6	10.25	5.14	-6.75	1.63
Provision For Loan Losses, 2 Yr. CAGR %	19.51	13.03	-1.34	-7.4	-6.72
Total Revenues, 2 Yr. CAGR %	4.33	5.99	7.34	-0.52	2.68
Earnings From Cont. Operations, 2 Yr. CAGR %	3.58	6.74	7.54	2.4	1.23
Net Income, 2 Yr. CAGR %	3.11	6.46	8.5	2.9	0.8
Normalized Net Income, 2 Yr. CAGR %	-0.58	3.51	8.82	3.17	1.79
Diluted EPS Before Extra, 2 Yr. CAGR %	2	4.82	7.05	2.16	0.88
Dividend Per Share, 2 Yr. CAGR %	2.79	6.16	8.47	2.78	0.8
Gross Loans, 2 Yr. CAGR %	9.76	11.21	11.84	10.16	9.62
Allowance For Loan Losses, 2 Yr. CAGR %	6.04	9.83	12.47	12.82	13.02
Net Loans, 2 Yr. CAGR %	9.86	11.25	11.82	10.09	9.53
Non Performing Loans, 2 Yr. CAGR %	16.07	11.37	0.42	4.49	6.46
Non Performing Assets, 2 Yr. CAGR %	15.99	11.42	0.44	4.4	6.18
Total Assets, 2 Yr. CAGR %	5.94	8.52	10.2	9.79	7.1
Total Deposits, 2 Yr CAGR %	-0.01	2.76	11.65	9.85	5.98
Tangible Book Value, 2 Yr. CAGR %	13.48	12.01	9.15	6.49	6.06
Average Interest Earning Assets, 2 Yr. CAGR %	6.15	6.84	8.4	11.12	7.93
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.45	6.94	8.07	10.17	6.57
Common Equity, 2 Yr. CAGR %	13.44	11.98	9.13	6.5	6.07
Total Equity, 2 Yr. CAGR %	11.61	10.46	8.57	6.07	5.74
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.08	7.29	5.66	2.29	1.65
Non Interest Income, 3 Yr. CAGR %	9.26	9.56	5.1	0.07	-5.81
Provision For Loan Losses, 3 Yr. CAGR %	25.51	15.16	5.16	-2.85	-7.48
Total Revenues, 3 Yr. CAGR %	3.8	6.23	5.53	2.83	0.7
Earnings From Cont. Operations, 3 Yr. CAGR %	4.02	6.24	5.64	5.43	1.94
Net Income, 3 Yr. CAGR %	3.68	5.95	6.04	5.81	2.24
Normalized Net Income, 3 Yr. CAGR %	0.87	2.93	4.77	5.65	3.44
Diluted EPS Before Extra, 3 Yr. CAGR %	3.04	4.9	4.3	4.89	1.78
Dividend Per Share, 3 Yr. CAGR %	3.54	5.77	5.8	5.76	2.2
Gross Loans, 3 Yr. CAGR %	8.5	10.56	11.31	10.91	10.16
Allowance For Loan Losses, 3 Yr. CAGR %	9.53	8.93	9.9	13.53	12.02
Net Loans, 3 Yr. CAGR %	8.47	10.6	11.34	10.84	10.11
Non Performing Loans, 3 Yr. CAGR %	12.56	10.11	8.08	2.66	4.88
Non Performing Assets, 3 Yr. CAGR %	12.44	10.08	8.09	2.62	4.68
Total Assets, 3 Yr. CAGR %	5.78	6.97	9.46	9.54	8.5
Total Deposits, 3 Yr CAGR %	2.14	3	6.39	9.67	8.6
Tangible Book Value, 3 Yr. CAGR %	10.4	12.97	10.11	8.28	6.12
Average Interest Earning Assets, 3 Yr. CAGR %	5.79	6.12	8.15	9.4	8.87
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.14	6.23	8.07	8.69	7.83
Common Equity, 3 Yr. CAGR %	10.36	12.93	10.09	8.28	6.13
Total Equity, 3 Yr. CAGR %	9.12	11.48	8.95	7.76	5.75
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.24	3.69	6.36	4.63	3.34
Non Interest Income, 5 Yr. CAGR %	13.33	13.01	7.59	2.63	0.23
Provision For Loan Losses, 5 Yr. CAGR %	17.97	18.44	13.99	5.54	0.23
Total Revenues, 5 Yr. CAGR %	2.03	4.26	5.2	3.43	2.74
Earnings From Cont. Operations, 5 Yr. CAGR %	3.55	5.62	5.42	4.69	3.84
Net Income, 5 Yr. CAGR %	3.31	5.44	5.58	4.72	3.9
Normalized Net Income, 5 Yr. CAGR %	-0.21	1.83	3.98	3.11	3.56
Diluted EPS Before Extra, 5 Yr. CAGR %	2.12	4.33	4.63	3.72	2.91
Dividend Per Share, 5 Yr. CAGR %	3.26	5.51	5.48	4.56	3.77
Gross Loans, 5 Yr. CAGR %	8.72	9.14	9.82	10.45	10.63
Allowance For Loan Losses, 5 Yr. CAGR %	9.2	10.51	10.7	10.47	11.14
Net Loans, 5 Yr. CAGR %	8.79	9.19	9.8	10.45	10.61
Non Performing Loans, 5 Yr. CAGR %	11.69	9.18	7.54	7.83	7.43
Non Performing Assets, 5 Yr. CAGR %	11.6	9.1	7.47	7.77	7.32
Total Assets, 5 Yr. CAGR %	8.38	6.78	7.53	8.09	8.51
Total Deposits, 5 Yr CAGR %	4.36	4.44	5.84	5.69	6.23
Tangible Book Value, 5 Yr. CAGR %	9.58	10.07	9.9	10.33	8.44
Average Interest Earning Assets, 5 Yr. CAGR %	8.53	7.7	6.83	8.09	8.06
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.03	8.17	6.9	7.79	7.47
Common Equity, 5 Yr. CAGR %	9.58	10.07	9.87	10.31	8.43
Total Equity, 5 Yr. CAGR %	10.3	9.09	8.9	9.28	7.61