Cash flow Lloyds Banking Group plc

Equities

LLOY

GB0008706128

Banks

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04-19	UK finance minister Reeves calls in bank chiefs for talks amid deepening Iran war fallout - Sky News	RE
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Published financial data: LLOYDS BANKING GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	13.26B	17.64B	28.05B	31.29B	30.75B
Interest Income, Total	13.26B	17.64B	28.05B	31.29B	30.75B
Interest On Deposits	3.89B	3.69B	14.75B	19.01B	17.52B
Interest Expense, Total	3.89B	3.69B	14.75B	19.01B	17.52B
Net Interest Income	9.37B	13.96B	13.3B	12.28B	13.23B
Income From Trading Activities	16.62B	-19.48B	18.14B	17.76B	1.48B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-2M	92M	122M	7M	3M
Income (Loss) on Equity Invest. (Income Block)	2M	10M	-16M	-	-
Total Other Non Interest Income	-10.24B	24.14B	-12.82B	-12.11B	4.7B
Non Interest Income, Total	6.38B	4.76B	5.42B	5.66B	6.19B
Revenues Before Provison For Loan Losses	15.75B	18.72B	18.72B	17.94B	19.42B
Provision For Loan Losses	-1.38B	1.52B	303M	431M	795M
Total Revenues	17.13B	17.2B	18.41B	17.5B	18.63B
Salaries And Other Employee Benefits	3.52B	4.02B	4.01B	4.63B	4.66B
Stock-Based Compensation (IS)	268M	-	-	-	-
Amort. of Goodwill & Intang. Assets	962M	903M	-	-	-
Occupancy Expense	1.93B	1.67B	3.35B	3.88B	3.98B
Selling General & Admin Expenses, Total	1.72B	2.01B	-	-	-
Total Other Non Interest Expense	1B	1.11B	2.98B	3.05B	3.28B
Non Interest Expense, Total	9.41B	9.71B	10.34B	11.56B	11.92B
EBT, Excl. Unusual Items	7.72B	7.49B	8.08B	5.94B	6.71B
Restructuring Charges	-92M	-50M	-487M	-	-
Total Merger & Related Restructuring Charges	-	-	-	-40M	-46M
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	575M	-511M	-87M	67M	-
Legal Settlements	-1.3B	-	-	-	-
EBT, Incl. Unusual Items	6.9B	6.93B	7.5B	5.97B	6.66B
Income Tax Expense	1.02B	1.37B	1.98B	1.49B	1.9B
Earnings From Continuing Operations	5.88B	5.56B	5.52B	4.48B	4.76B
Net Income to Company	5.88B	5.56B	5.52B	4.48B	4.76B
Minority Interest	-101M	-96M	-58M	-56M	-98M
Net Income - (IS)	5.78B	5.46B	5.46B	4.42B	4.66B
Preferred Dividend and Other Adjustments	429M	438M	527M	498M	463M
Net Income to Common Incl Extra Items	5.36B	5.02B	4.93B	3.92B	4.2B
Net Income to Common Excl. Extra Items	5.36B	5.02B	4.93B	3.92B	4.2B
Per Share Items
Net EPS - Basic	0.08	0.07	0.08	0.06	0.07
Basic EPS - Continuing Operations	0.08	0.07	0.08	0.06	0.07
Basic Weighted Average Shares Outstanding	70.94B	68.85B	64.95B	62.41B	59.94B
Net EPS - Diluted	0.08	0.07	0.08	0.06	0.07
Diluted EPS - Continuing Operations	0.08	0.07	0.08	0.06	0.07
Diluted Weighted Average Shares Outstanding	71.78B	69.68B	65.76B	63.07B	60.81B
Normalized Basic EPS	0.07	0.07	0.08	0.06	0.07
Normalized Diluted EPS	0.07	0.07	0.08	0.06	0.07
Dividend Per Share	0.02	0.02	0.03	0.03	0.04
Payout Ratio	22.58	35.04	39.89	52.61	52.87
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	14.73	19.82	26.46	25.02	28.58
Current Domestic Taxes	1.38B	1.12B	1.25B	1.07B	1.28B
Current Foreign Taxes	30M	83M	98M	119M	148M
Total Current Taxes	1.41B	1.2B	1.35B	1.19B	1.43B
Total Deferred Taxes	-391M	169M	637M	305M	475M
Normalized Net Income	4.72B	4.58B	4.99B	3.66B	4.09B
Non-Cash Pension Expense	21M	-57M	-168M	-98M	-
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	268M	-	-	-	-
Total Stock-Based Compensation	268M	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	76.38B	95.83B	76.18B	62.68B	56.62B
Investment Securities, Total	260B	231B	251B	295B	326B
Trading Asset Securities, Total	58.43B	52.06B	57B	40.26B	35.51B
Mortgage Backed Securities	421M	228M	-	-	-
Total investments	319B	284B	308B	335B	362B
Gross Loans	455B	465B	467B	473B	494B
Allowance For Loan Losses	-3.82B	-4.53B	-3.72B	-3.19B	-3.01B
Other Adjustments to Gross Loans	-246M	-1.76B	-2.29B	-2.46B	-2.52B
Net Loans	451B	459B	461B	468B	489B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	7.96B	8.13B	9.67B	10.12B	11B
Goodwill	2.32B	2.66B	2.8B	2.75B	3.01B
Other Intangibles, Total	4.2B	4.79B	5.35B	5.3B	5.46B
Investment in Real Estate	3.61B	2.53B	2.86B	3.28B	3.92B
Other Receivables	510M	854M	1.18B	526M	1.35B
Restricted Cash	4.99B	2.11B	1.93B	21M	37M
Other Current Assets, Total	1.02B	1.22B	1.46B	6.76B	1.79B
Deferred Tax Assets Long-Term (Collected)	3.12B	5.23B	5.18B	5B	3.99B
Deferred Charges Long-Term	64M	54M	39M	-	-
Other Long-Term Assets, Total	12.83B	11.76B	6.5B	7.26B	6.32B
Total Assets	887B	878B	881B	907B	944B
Liabilities
Interest Bearing Deposits	372B	369B	375B	388B	399B
Non-Interest Bearing Deposits	112B	114B	103B	101B	103B
Total Deposits	484B	483B	478B	489B	502B
Short-Term Borrowings	57.85B	85.39B	69.89B	29.77B	31.95B
Current Portion of Long-Term Debt	16.95B	18.47B	17.72B	48.46B	45.83B
Current Portion of Leases	233M	233M	335M	334M	294M
Long-Term Debt	65.58B	58.48B	61.35B	66.76B	69.33B
Long-Term Leases	1.24B	1.08B	1.3B	927M	732M
Current Income Taxes Payable	6M	8M	39M	45M	52M
Other Current Liabilities - (Bank / Utility Template)	61.62B	55.55B	64.61B	74.21B	30.53B
Unearned Revenue Non Current	312M	246M	-	-	-
Pension & Other Post Retirement Benefits	230M	126M	136M	122M	120M
Deferred Tax Liability Non-Current	39M	216M	157M	125M	146M
Other Non Current Liabilities	145B	128B	141B	151B	215B
Total Liabilities	833B	830B	834B	861B	896B
Common Stock, Total	7.1B	6.73B	6.36B	6.06B	5.89B
Additional Paid In Capital	18.48B	18.5B	18.57B	18.72B	18.8B
Retained Earnings	10.24B	10.14B	6.79B	5.91B	6.29B
Comprehensive Income and Other	17.1B	11.9B	15.45B	15.02B	16.69B
Total Common Equity	52.92B	47.28B	47.16B	45.72B	47.67B
Minority Interest	235M	244M	201M	172M	199M
Total Equity	53.15B	47.52B	47.36B	45.89B	47.87B
Total Liabilities And Equity	887B	878B	881B	907B	944B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	70.56B	66.26B	63.51B	60.49B	58.8B
ECS Total Common Shares Outstanding	70.56B	66.26B	63.51B	60.49B	58.8B
Book Value / Share	0.67	0.63	0.63	0.65	0.71
Tangible Book Value	46.4B	39.84B	39.01B	37.66B	39.2B
Tangible Book Value Per Share	0.57	0.52	0.51	0.52	0.57
Tangible Book Value Per Share (As Reported)	0.58	0.52	0.51	0.52	0.57
Average Assets	-	-	-	-	930B
Average Loans	-	-	-	-	544B
Total Debt	142B	164B	151B	146B	148B
Deposits at Interest - Cash	4.95B	6.55B	12.66B	8.13B	3.97B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-4.4B	-3.73B	-3.53B	-2.94B	-2.61B
Net Debt	-54B	-36.22B	-28.86B	-35.31B	-23B
Equity Method Investments, Total	352M	385M	401M	542M	445M
Full Time Employees	57.96K	59.35K	62.57K	61.23K	60.06K
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	5.78B	5.46B	5.46B	4.42B	4.66B
Depreciation, Depletion & Amortization	1.84B	1.47B	1.78B	2.1B	2.1B
Amortization of Goodwill and Intangible Assets - (CF)	94M	92M	100M	101M	105M
Total Depreciation, Depletion & Amortization	1.93B	1.56B	1.88B	2.2B	2.21B
Amortization of Deferred Charges, Total	892M	833M	1.03B	1.22B	1.27B
(Gain) Loss On Sale of Asset - (CF)	-268M	-121M	-61M	-36M	65M
(Gain) Loss on Sale of Investments - (CF)	-306M	376M	1.14B	185M	-613M
Total Asset Writedown	-575M	511M	87M	-67M	-99M
Provision for Credit Losses	-2.06B	613M	-800M	-535M	-230M
(Income) Loss On Equity Investments - (CF)	-2M	-10M	16M	13M	-1M
Stock-Based Compensation (CF)	182M	224M	-	-	-
Change in Trading Asset Securities	-9.43B	18.48B	-20.73B	-13.95B	-20.06B
Change in Other Net Operating Assets (Collected)	-19.68B	-1.72B	20.82B	-13.39B	1.29B
Other Operating Activities	6.58B	-20.07B	2.95B	4.22B	3.73B
Cash from Operations	-16.94B	6.14B	11.77B	-15.72B	-7.78B
Capital Expenditure	-3.23B	-3.86B	-5.46B	-4.36B	-5.07B
Sale of Property, Plant, and Equipment	1.44B	1.55B	1.03B	1.5B	1.56B
Cash Acquisitions	-57M	-409M	-380M	-179M	27M
Divestitures	-	-	-	62M	-
Purchase / Sale of Intangible Assets	-	-	-	-1.26B	-1.25B
Investment in Marketable and Equity Securities, Total	-697M	3.22B	-5.01B	-3.46B	-5.45B
Cash from Investing	-2.54B	510M	-9.82B	-7.69B	-10.19B
Long-Term Debt Issued, Total	499M	838M	1.42B	812M	1.76B
Total Debt Issued	499M	838M	1.42B	812M	1.76B
Long-Term Debt Repaid, Total	-1.06B	-2.22B	-1.74B	-819M	-1.93B
Total Debt Repaid	-1.06B	-2.22B	-1.74B	-819M	-1.93B
Issuance of Common Stock	25M	776M	1.86B	944M	1.6B
Repurchase of Common Stock	-	-3.41B	-2.13B	-3.84B	-3.47B
Common Dividends Paid	-1.31B	-1.91B	-2.18B	-2.33B	-2.46B
Common & Preferred Stock Dividends Paid	-1.31B	-1.91B	-2.18B	-2.33B	-2.46B
Net Increase (Decrease) in Deposit Accounts - (CF)	23.56B	15.88B	-4.96B	11.33B	13.48B
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-1.4B	-690M	-724M	-707M	-857M
Cash from Financing	20.33B	9.26B	-8.46B	5.4B	8.12B
Foreign Exchange Rate Adjustments	70M	727M	-480M	-7M	-378M
Net Change in Cash	912M	16.64B	-6.99B	-18.02B	-10.22B
Supplemental Items
Cash Interest Paid	1.3B	603M	623M	622M	806M
Cash Income Tax Paid (Refund)	796M	743M	1.44B	335M	2.1B
Net Debt Issued / Repaid	-557M	-1.38B	-328M	-7M	-171M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.67	0.63	0.63	0.5	0.51
Return On Equity %	11.48	11.04	12.09	9.6	10.15
Return on Common Equity	10.49	10.02	10.86	8.45	8.99
Shareholders Value Added	-191M	-429M	415M	-1.03B	-810M
Margin Analysis
SG&A Margin	40.92	43.96	39.97	48.63	46.39
Net Interest Income / Total Revenues %	54.69	81.15	72.22	70.13	71.03
EBT Excl. Non-Recurring Items Margin %	45.07	43.55	43.87	33.96	36.01
Income From Continuing Operations Margin %	34.36	32.3	29.97	25.58	25.54
Net Income Margin %	33.77	31.74	29.65	25.26	25.01
Net Avail. For Common Margin %	31.27	29.2	26.79	22.41	22.53
Normalized Net Income Margin	27.58	26.66	27.1	20.9	21.98
Asset quality
Nonperforming Loans / Total Loans %	1.42	1.64	1.53	1.42	1.32
Nonperforming Loans / Total Assets %	0.73	0.87	0.81	0.74	0.69
Nonperforming Assets / Total Assets %	0.73	0.87	0.81	0.74	0.69
NPAs / Loans and OREO	1.42	1.64	1.53	1.42	1.32
NPAs / Equity	12.12	16.08	15.09	14.64	13.63
Allowance for Credit Losses / Net Charge-offs %	408.56	597.23	334.08	310.2	274.82
Allowance for Credit Losses / Nonperforming Loans %	59.29	59.33	52.12	47.53	46.15
Allowance for Credit Losses / Total Loans %	0.84	0.97	0.8	0.67	0.61
Net Charge-offs / Total Average Loans %	-	-	-	-	0.2
Provision for Loan Losses / Net Charge-offs %	-147.38	200.53	27.17	41.89	72.54
Earning Assets / IBL	-	-	-	-	126.87
Interest Income / Average Assets	-	-	-	-	3.31
Interest Expense / Average Assets	-	-	-	-	1.88
Net Interest Income / Average Assets	-	-	-	-	1.42
Non Interest Income / Average Assets	-	-	-	-	0.67
Non Interest Expense / Average Asset	-	-	-	-	1.28
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.81	5.68	5.18	5.19	5.05
Total Average Equity / Total Average Assets %	5.83	5.71	5.2	5.22	5.07
Total Equity + Allowance for Loan Losses / Total Loans %	12.48	11.14	10.91	10.33	10.25
Gross Loans / Total Deposits %	93.94	96.41	97.69	96.83	98.41
Net Loans / Total Deposits %	93.1	95.11	96.43	95.67	97.3
Tier 1 Capital Ratio %	20	17.1	17.2	16.6	16.2
Total Capital Ratio %	23.6	19.7	19.8	19	18.9
Core Tier 1 Capital Ratio	17.3	15.1	14.6	14.2	14
Tier 2 Capital Ratio	3.67	2.63	2.61	2.4	2.77
Coverage Ratio	59.29	59.33	52.12	47.53	46.15
Interbank Ratio	149.33	99.12	112.95	130.64	131.28
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.77	2.88	1.51	1.31	1.38
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-12.87	49.02	2.91	-7.68	7.76
Non Interest Income, 1 Yr. Growth %	39.18	-25.38	73.1	4.45	8.14
Provision For Loan Losses, 1 Yr. Growth %	-133.16	-210.45	-80.09	42.24	84.45
Total Revenues, 1 Yr. Growth %	53.19	0.41	26.72	-4.93	6
Earnings From Cont. Operations, 1 Yr. Growth %	324.3	-5.61	40.66	-18.87	6.25
Net Income, 1 Yr. Growth %	338.85	-5.62	42.67	-19.03	5.38
Normalized Net Income, 1 Yr. Growth %	405.65	17.23	46.6	-23.48	10.62
Diluted EPS Before Extra, 1 Yr. Growth %	525	-4	53.06	-17.33	11.29
Dividend Per Share, 1 Yr. Growth %	250.88	20	15	14.86	15.14
Gross Loans, 1 Yr. Growth %	1.54	2	0.27	1.48	4.4
Allowance For Loan Losses, 1 Yr. Growth %	-33.75	18.66	-17.82	-14.31	-5.64
Net Loans, 1 Yr. Growth %	2.07	1.86	0.33	1.57	4.48
Non Performing Loans, 1 Yr. Growth %	-0.72	18.58	-6.45	-6.03	-2.83
Non Performing Assets, 1 Yr. Growth %	-0.72	18.58	-6.45	-6.03	-2.83
Total Assets, 1 Yr. Growth %	1.75	-0.98	0.92	2.86	4.12
Total Deposits, 1 Yr Growth %	4.45	-0.29	-1.05	2.38	2.73
Tangible Book Value, 1 Yr. Growth %	8.61	-14.15	7.69	-3.45	4.07
Average Interest Earning Assets, 1 Yr. Growth %	2.21	1.66	0.29	-0.46	2.67
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	3.71
Common Equity, 1 Yr. Growth %	7.59	-10.66	8.01	-3.07	4.27
Total Equity, 1 Yr. Growth %	7.57	-10.59	7.87	-3.12	4.31
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.08	13.95	10.6	-2.53	-0.26
Non Interest Income, 2 Yr. CAGR %	-12.24	1.91	5.4	34.46	7.77
Provision For Loan Losses, 2 Yr. CAGR %	3.12	-39.48	-53.11	-46.79	61.98
Total Revenues, 2 Yr. CAGR %	-0.13	24.03	3.69	9.76	0.82
Earnings From Cont. Operations, 2 Yr. CAGR %	39.92	100.13	-3.17	6.83	-7.15
Net Income, 2 Yr. CAGR %	40.62	103.52	-2.84	7.48	-7.63
Normalized Net Income, 2 Yr. CAGR %	30.12	121.54	11.14	3.68	-6.94
Diluted EPS Before Extra, 2 Yr. CAGR %	48.52	144.95	0	12.49	-4.08
Dividend Per Share, 2 Yr. CAGR %	33.63	105.2	17.47	14.93	15
Gross Loans, 2 Yr. CAGR %	0.74	1.93	1.32	0.87	2.93
Allowance For Loan Losses, 2 Yr. CAGR %	8.23	-11.33	-1.25	-16.09	-10.08
Net Loans, 2 Yr. CAGR %	0.72	1.96	1.09	0.95	3.02
Non Performing Loans, 2 Yr. CAGR %	3.5	8.5	5.32	-6.24	-4.44
Non Performing Assets, 2 Yr. CAGR %	3.5	8.5	5.32	-6.24	-4.44
Total Assets, 2 Yr. CAGR %	3.11	0.38	0.01	1.89	3.49
Total Deposits, 2 Yr CAGR %	7.11	2.06	-0.67	0.65	2.55
Tangible Book Value, 2 Yr. CAGR %	5.78	-3.44	-6.33	1.97	0.24
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	0.98
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	2.31
Common Equity, 2 Yr. CAGR %	5.43	-1.96	-3.82	2.32	0.53
Total Equity, 2 Yr. CAGR %	5.44	-1.93	-3.83	2.23	0.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-11.24	11.09	7.35	4.13	0.79
Non Interest Income, 3 Yr. CAGR %	7.83	-16.86	5.71	5.08	25.53
Provision For Loan Losses, 3 Yr. CAGR %	13.72	5.5	-58.22	-32.12	-19.47
Total Revenues, 3 Yr. CAGR %	-0.81	0.05	18.09	0.73	8.63
Earnings From Cont. Operations, 3 Yr. CAGR %	9.31	22.72	58.45	-8.71	6.64
Net Income, 3 Yr. CAGR %	9.48	23.12	60.6	-8.57	6.78
Normalized Net Income, 3 Yr. CAGR %	8.52	18.01	74.81	-3.25	6.34
Diluted EPS Before Extra, 3 Yr. CAGR %	10.89	28.42	84.2	-6.15	12.09
Dividend Per Share, 3 Yr. CAGR %	-14.59	28.92	69.18	16.59	15
Gross Loans, 3 Yr. CAGR %	0.21	1.27	1.37	1.37	2.03
Allowance For Loan Losses, 3 Yr. CAGR %	6.62	11.6	-13.55	-5.81	-12.74
Net Loans, 3 Yr. CAGR %	0.23	1.1	1.42	1.25	2.11
Non Performing Loans, 3 Yr. CAGR %	3.92	8.3	3.27	1.39	-5.12
Non Performing Assets, 3 Yr. CAGR %	3.92	8.3	3.27	1.39	-5.12
Total Assets, 3 Yr. CAGR %	3.59	1.73	0.39	0.95	2.63
Total Deposits, 3 Yr CAGR %	4.39	4.58	1.01	0.34	1.34
Tangible Book Value, 3 Yr. CAGR %	1.58	-1.33	-2.98	-5.38	2.66
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	1.96	-0.23	-1.39	-3.57	2.97
Total Equity, 3 Yr. CAGR %	1.92	-0.2	-1.4	-3.6	2.92
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.2	5.05	-0.15	3.82	4.24
Non Interest Income, 5 Yr. CAGR %	-4.6	-8.72	1.25	-7.35	6.19
Provision For Loan Losses, 5 Yr. CAGR %	12.88	17.21	-20.21	-19.76	-28.16
Total Revenues, 5 Yr. CAGR %	0.63	-0.62	0.96	0.39	10.75
Earnings From Cont. Operations, 5 Yr. CAGR %	22.15	8.77	4.14	8.29	27.95
Net Income, 5 Yr. CAGR %	22.9	8.93	4.37	8.61	28.73
Normalized Net Income, 5 Yr. CAGR %	13.29	8.26	6.19	5.58	34.38
Diluted EPS Before Extra, 5 Yr. CAGR %	25.59	10.86	6.4	12.77	41.88
Dividend Per Share, 5 Yr. CAGR %	-4.74	-4.68	-2.98	23.13	44.97
Gross Loans, 5 Yr. CAGR %	-0.41	0.72	0.64	1.11	1.99
Allowance For Loan Losses, 5 Yr. CAGR %	9.63	7.05	3.4	-0.43	-12.18
Net Loans, 5 Yr. CAGR %	-0.44	0.62	0.57	1.04	2.05
Non Performing Loans, 5 Yr. CAGR %	-5.38	8.25	4.48	2.23	0.11
Non Performing Assets, 5 Yr. CAGR %	-5.91	8.25	4.48	2.23	0.11
Total Assets, 5 Yr. CAGR %	1.63	1.59	2.02	1.69	1.62
Total Deposits, 5 Yr CAGR %	2.77	2.71	2.34	2.99	1.62
Tangible Book Value, 5 Yr. CAGR %	0.92	-1.32	-2.5	-1.91	-1.71
Average Interest Earning Assets, 5 Yr. CAGR %	-5.83	-	-	-	-
Common Equity, 5 Yr. CAGR %	1.96	-0.18	-1.13	-0.81	-0.62
Total Equity, 5 Yr. CAGR %	1.86	-0.18	-1.16	-0.82	-0.63