AL RAJHI BANKING AND INVESTMENT CORPORATION

Cash flow Al Rajhi Banking and Investment Corporation

Equities

1120

SA0007879113

Banks

Market Closed - Saudi Arabian S.E. Other stock markets 05:50:00 17/07/2025 pm IST			5-day change	1st Jan Change
94.20 ^SAR	-0.32%		-1.67%	-0.42%

17/07	MIDEAST STOCKS-Most Gulf markets gain on earnings boost, but Saudi index extends losses	RE
16/07	MIDEAST STOCKS-Most Gulf markets in red on US inflation concerns, rate uncertainty	RE

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Published financial data: AL RAJHI BANKING AND INVESTMENT CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.74TCr	2.14TCr	2.82TCr	3.87TCr	4.7TCr
Interest Income, Total	1.74TCr	2.14TCr	2.82TCr	3.87TCr	4.7TCr
Interest On Deposits	46Cr	104.96Cr	602.89Cr	1.75TCr	2.22TCr
Interest Expense, Total	46Cr	104.96Cr	602.89Cr	1.75TCr	2.22TCr
Net Interest Income	1.69TCr	2.04TCr	2.22TCr	2.13TCr	2.48TCr
Gain (Loss) on Sale of Assets	80.05L	4.75Cr	12.75L	98.51L	52.17L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	3.34Cr	-3.79Cr	-21Cr	3.21Cr	6.68Cr
Income (Loss) on Equity Invest. (Income Block)	4.29Cr	3.2Cr	1.38Cr	8.79Cr	14Cr
Total Other Non Interest Income	372.39Cr	528.28Cr	659.6Cr	613.25Cr	700.29Cr
Non Interest Income, Total	380.82Cr	532.45Cr	640.23Cr	626.23Cr	721.23Cr
Revenues Before Provison For Loan Losses	2.07TCr	2.57TCr	2.86TCr	2.75TCr	3.21TCr
Provision For Loan Losses	216.57Cr	234.51Cr	200.13Cr	150.42Cr	211.67Cr
Total Revenues	1.86TCr	2.34TCr	2.66TCr	2.6TCr	2.99TCr
Salaries And Other Employee Benefits	297.73Cr	313.23Cr	339.52Cr	352.51Cr	368.67Cr
Occupancy Expense	111.81Cr	114.19Cr	129.11Cr	157.8Cr	198.19Cr
Selling General & Admin Expenses, Total	264.64Cr	265.22Cr	272.44Cr	239.48Cr	230.21Cr
Non Interest Expense, Total	674.19Cr	692.65Cr	741.07Cr	749.79Cr	797.07Cr
EBT, Excl. Unusual Items	1.18TCr	1.64TCr	1.92TCr	1.85TCr	2.2TCr
Total Merger & Related Restructuring Charges	-	-	-13.88L	-	-
Asset Writedown	-	-	-3.9Cr	-	-
EBT, Incl. Unusual Items	1.18TCr	1.64TCr	1.91TCr	1.85TCr	2.2TCr
Income Tax Expense	121.81Cr	169.86Cr	197.19Cr	190.81Cr	223.67Cr
Earnings From Continuing Operations	1.06TCr	1.47TCr	1.72TCr	1.66TCr	1.97TCr
Net Income to Company	1.06TCr	1.47TCr	1.72TCr	1.66TCr	1.97TCr
Minority Interest	-	-	-	-	-89.8L
Net Income - (IS)	1.06TCr	1.47TCr	1.72TCr	1.66TCr	1.97TCr
Preferred Dividend and Other Adjustments	-	-	-	82Cr	103.59Cr
Net Income to Common Incl Extra Items	1.06TCr	1.47TCr	1.72TCr	1.58TCr	1.87TCr
Net Income to Common Excl. Extra Items	1.06TCr	1.47TCr	1.72TCr	1.58TCr	1.87TCr
Per Share Items
Net EPS - Basic	2.65	3.69	4.29	3.95	4.67
Basic EPS - Continuing Operations	2.65	3.69	4.29	3.95	4.67
Basic Weighted Average Shares Outstanding	400Cr	400Cr	400Cr	400Cr	400Cr
Net EPS - Diluted	2.65	3.69	4.29	3.95	4.67
Diluted EPS - Continuing Operations	2.65	3.69	4.29	3.95	4.67
Diluted Weighted Average Shares Outstanding	400Cr	400Cr	400Cr	400Cr	400Cr
Normalized Basic EPS	1.85	2.57	2.99	2.9	3.43
Normalized Diluted EPS	1.85	2.57	2.99	2.9	3.43
Dividend Per Share	0.62	-	1.25	2.3	2.71
Payout Ratio	35.39	40.69	-	57.76	48.68
Supplemental Items
Effective Tax Rate - (Ratio)	10.31	10.33	10.31	10.3	10.18
Normalized Net Income	738.35Cr	1.03TCr	1.2TCr	1.16TCr	1.37TCr
Non-Cash Pension Expense	0	0	-37.74L	-66.27L	25.79L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	3.71Cr
Total Stock-Based Compensation	-	-	-	-	3.71Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.28TCr	2.22TCr	2.52TCr	1.24TCr	2.41TCr
Investment Securities, Total	5.36TCr	7.72TCr	9.89TCr	13TCr	17TCr
Trading Asset Securities, Total	663.7Cr	718.49Cr	497.13Cr	442.98Cr	838.55Cr
Total investments	6.03TCr	8.44TCr	10TCr	14TCr	18TCr
Gross Loans	33TCr	47TCr	58TCr	61TCr	71TCr
Allowance For Loan Losses	-747.14Cr	-919.82Cr	-802.77Cr	-872.59Cr	-850.53Cr
Other Adjustments to Gross Loans	-322.66Cr	-340.48Cr	-409.62Cr	-464.17Cr	-451.12Cr
Net Loans	32TCr	45TCr	57TCr	59TCr	69TCr
Gross Property Plant And Equipment	1.76TCr	1.87TCr	2.03TCr	2.31TCr	2.42TCr
Accumulated Depreciation	-733.13Cr	-798.47Cr	-893.05Cr	-1.02TCr	-1.03TCr
Net Property Plant And Equipment	1.02TCr	1.07TCr	1.13TCr	1.29TCr	1.39TCr
Goodwill	-	-	25Cr	25Cr	5.51Cr
Other Intangibles, Total	-	-	97Cr	126.18Cr	138.04Cr
Investment in Real Estate	154.12Cr	141.15Cr	136.49Cr	136.27Cr	135.86Cr
Accrued Interest Receivable	28Cr	37Cr	50Cr	86Cr	85Cr
Other Receivables	2.18TCr	1.87TCr	1.41TCr	683.33Cr	1.2TCr
Restricted Cash	2.35TCr	2.88TCr	3.29TCr	3.5TCr	4.03TCr
Other Current Assets, Total	48Cr	80Cr	116.08Cr	200.31Cr	289.49Cr
Other Real Estate Owned And Foreclosed	7.34Cr	2.8Cr	2.8Cr	3.57Cr	37Cr
Other Long-Term Assets, Total	217.69Cr	336.95Cr	232.81Cr	581.5Cr	586.17Cr
Total Assets	47TCr	62TCr	76TCr	81TCr	97TCr
Liabilities
Accounts Payable, Total	431.79Cr	540.09Cr	505.72Cr	599.1Cr	743.11Cr
Accrued Expenses, Total	155.5Cr	226.7Cr	210.89Cr	281.4Cr	355.8Cr
Interest Bearing Deposits	6.54TCr	15TCr	8.08TCr	11TCr	19TCr
Non-Interest Bearing Deposits	33TCr	38TCr	55TCr	56TCr	62TCr
Total Deposits	39TCr	53TCr	64TCr	67TCr	80TCr
Short-Term Borrowings	-	-	167.76Cr	79Cr	167.9Cr
Current Portion of Long-Term Debt	-	-	-	-	36Cr
Long-Term Debt	-	-	-	378.91Cr	809.09Cr
Long-Term Leases	112.81Cr	93Cr	72Cr	63Cr	49Cr
Current Income Taxes Payable	381.26Cr	342.49Cr	283.64Cr	275.91Cr	223.23Cr
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	204.78Cr
Unearned Revenue Non Current	-	2.98Cr	60.75L	18.91L	1.6Cr
Pension & Other Post Retirement Benefits	117.61Cr	119.83Cr	119.16Cr	114.56Cr	101.1Cr
Other Non Current Liabilities	532.15Cr	1.31TCr	1.28TCr	1.31TCr	2.27TCr
Total Liabilities	41TCr	56TCr	66TCr	70TCr	85TCr
Common Stock, Total	2.5TCr	2.5TCr	4TCr	4TCr	4TCr
Retained Earnings	3.33TCr	4.2TCr	4.42TCr	5.04TCr	5.98TCr
Comprehensive Income and Other	-13Cr	31Cr	1.61TCr	1.64TCr	2.32TCr
Total Common Equity	5.81TCr	6.73TCr	10TCr	11TCr	12TCr
Minority Interest	-	-	-	-	11Cr
Total Equity	5.81TCr	6.73TCr	10TCr	11TCr	12TCr
Total Liabilities And Equity	47TCr	62TCr	76TCr	81TCr	97TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	400Cr	400Cr	400Cr	400Cr	400Cr
ECS Total Common Shares Outstanding	400Cr	400Cr	400Cr	400Cr	400Cr
Book Value / Share	14.53	16.83	20.93	22.56	24.87
Tangible Book Value	5.81TCr	6.73TCr	9.9TCr	11TCr	12TCr
Tangible Book Value Per Share	14.53	16.83	20.63	22.19	24.51
Total Debt	112.81Cr	93Cr	240.08Cr	521.76Cr	1.06TCr
Deposits at Interest - Cash	2.52TCr	1.65TCr	1.81TCr	567.61Cr	1.72TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	117.61Cr	119.83Cr	119.16Cr	114.56Cr	101.1Cr
Net Debt	-3.83TCr	-2.85TCr	-2.78TCr	-1.16TCr	-2.19TCr
Equity Method Investments, Total	24Cr	30Cr	82Cr	92Cr	103.43Cr
Full Time Employees	13.72T	15.08T	19.96T	20.88T	23.44T
Number Of Offices	591	574	557	545	550

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.06TCr	1.47TCr	1.72TCr	1.66TCr	1.97TCr
Depreciation, Depletion & Amortization	111.81Cr	114.19Cr	117.98Cr	140.63Cr	175.25Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	11Cr	17Cr	23Cr
Total Depreciation, Depletion & Amortization	111.81Cr	114.19Cr	129.11Cr	157.8Cr	198.19Cr
(Gain) Loss On Sale of Asset - (CF)	-1.03Cr	-4.75Cr	-12.75L	-98.51L	-52.17L
(Gain) Loss on Sale of Investments - (CF)	-3.34Cr	3.79Cr	26Cr	-23Cr	-37Cr
Total Asset Writedown	-	-	3.9Cr	-	-
Provision for Credit Losses	216.57Cr	234.51Cr	200.13Cr	165.61Cr	211.67Cr
(Income) Loss On Equity Investments - (CF)	-4.29Cr	-3.2Cr	-1.38Cr	-8.79Cr	-14Cr
Stock-Based Compensation (CF)	-	-	-	-	-3.71Cr
Change in Trading Asset Securities	-461.58Cr	-59Cr	-45.27L	-25Cr	-286.07Cr
Change in Other Net Operating Assets (Collected)	-5.42TCr	-13TCr	-6.43TCr	34Cr	-2.21TCr
Other Operating Activities	-81Cr	-39Cr	-68Cr	-36Cr	-86Cr
Cash from Operations	-4.58TCr	-11TCr	-4.42TCr	1.92TCr	-254.91Cr
Capital Expenditure	-90Cr	-227.68Cr	-220.13Cr	-314.75Cr	-298.42Cr
Sale of Property, Plant, and Equipment	-	89Cr	12Cr	44Cr	34Cr
Cash Acquisitions	-	-	-54Cr	-	-
Purchase / Sale of Intangible Assets	-	-	-43Cr	-47Cr	-53Cr
Sale (Purchase) of Real Estate Properties (Collected)	-2.77Cr	-11Cr	-18Cr	-6.9Cr	-6.18Cr
Investment in Marketable and Equity Securities, Total	-796.61Cr	-2.3TCr	-1.85TCr	-3.13TCr	-3.89TCr
Other Investing Activities, Total	-2.06Cr	-31.59L	6.32Cr	23Cr	40Cr
Cash from Investing	-891.18Cr	-2.45TCr	-2.17TCr	-3.43TCr	-4.17TCr
Long-Term Debt Issued, Total	-	-	-	378.91Cr	466.16Cr
Total Debt Issued	-	-	-	378.91Cr	466.16Cr
Long-Term Debt Repaid, Total	-4.23Cr	-3.74Cr	-27Cr	-25Cr	-26Cr
Total Debt Repaid	-4.23Cr	-3.74Cr	-27Cr	-25Cr	-26Cr
Issuance of Common Stock	-	-	1.65TCr	-	705.38Cr
Common Dividends Paid	-375Cr	-600Cr	-	-960Cr	-960Cr
Common & Preferred Stock Dividends Paid	-375Cr	-600Cr	-	-960Cr	-960Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	7.02TCr	13TCr	5.29TCr	817.59Cr	5.51TCr
Other Financing Activities, Total	-	-	-20Cr	-82Cr	-103.59Cr
Cash from Financing	6.64TCr	12TCr	6.89TCr	128.95Cr	5.6TCr
Net Change in Cash	1.17TCr	-1.06TCr	295.29Cr	-1.38TCr	1.17TCr
Supplemental Items
Net Debt Issued / Repaid	-4.23Cr	-3.74Cr	-27Cr	353.42Cr	440.07Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.48	2.7	2.47	2.12	2.21
Return On Equity %	19.39	23.51	20.48	16.06	17.17
Return on Common Equity	19.39	23.51	20.48	15.27	16.26
Shareholders Value Added	403.69Cr	722.06Cr	721.26Cr	437.38Cr	616.41Cr
Margin Analysis
SG&A Margin	36.33	29.64	27.89	28.81	26.62
Net Interest Income / Total Revenues %	91.15	87.25	83.44	81.72	82.98
EBT Excl. Non-Recurring Items Margin %	63.67	70.36	72.11	71.19	73.38
Income From Continuing Operations Margin %	57.1	63.1	64.54	63.86	65.91
Net Income Margin %	57.1	63.1	64.54	63.86	65.88
Net Avail. For Common Margin %	57.1	63.1	64.54	60.71	62.42
Normalized Net Income Margin	39.79	43.98	45.07	44.49	45.83
Asset quality
Nonperforming Loans / Total Loans %	0.75	0.65	0.53	0.71	0.76
Nonperforming Loans / Total Assets %	0.52	0.48	0.4	0.53	0.55
Nonperforming Assets / Total Assets %	0.54	0.49	0.41	0.54	0.59
NPAs / Loans and OREO	0.77	0.65	0.54	0.71	0.81
NPAs / Equity	4.33	4.51	3.11	4.06	4.63
Allowance for Credit Losses / Net Charge-offs %	493.53	1.23T	256.01	598.04	360.73
Allowance for Credit Losses / Nonperforming Loans %	305.56	305.58	260.24	203.03	159.44
Allowance for Credit Losses / Total Loans %	2.29	1.98	1.38	1.44	1.2
Provision for Loan Losses / Net Charge-offs %	143.06	313.17	63.82	103.09	89.78
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.82	11.48	12.09	13.19	12.89
Total Average Equity / Total Average Assets %	12.82	11.48	12.09	13.19	12.9
Total Equity + Allowance for Loan Losses / Total Loans %	20.09	16.44	18.65	19.01	18.62
Gross Loans / Total Deposits %	82.97	87.81	91.3	90.64	88.12
Net Loans / Total Deposits %	80.25	85.44	89.39	88.64	86.5
Tier 1 Capital Ratio %	17.99	16.49	20.27	20.4	19.29
Total Capital Ratio %	19.08	17.62	21.41	21.52	20.21
Core Tier 1 Capital Ratio	-	-	-	-	-
Tier 2 Capital Ratio	1.08	1.13	1.14	1.12	0.92
Coverage Ratio	305.56	305.58	260.24	203.03	159.44
Interbank Ratio	266.21	145.19	36.22	9.78	11.26
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	26.41	16.67	4.17	2.06	1.99
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.95	20.57	8.73	-4.08	16.8
Non Interest Income, 1 Yr. Growth %	24.58	39.81	20.24	-2.19	15.17
Provision For Loan Losses, 1 Yr. Growth %	22.2	8.28	-14.66	-24.84	40.72
Total Revenues, 1 Yr. Growth %	4.76	25.95	13.7	-2.06	15.03
Earnings From Cont. Operations, 1 Yr. Growth %	4.3	39.17	16.31	-3.09	18.71
Net Income, 1 Yr. Growth %	4.3	39.17	16.31	-3.09	18.66
Normalized Net Income, 1 Yr. Growth %	4.3	39.2	16.53	-3.31	18.48
Diluted EPS Before Extra, 1 Yr. Growth %	4.3	39.17	16.31	-6.81	18.26
Dividend Per Share, 1 Yr. Growth %	-66.67	-	-	84	17.83
Gross Loans, 1 Yr. Growth %	25.35	42.59	24.71	4.58	16.27
Allowance For Loan Losses, 1 Yr. Growth %	6.44	23.11	-12.73	2.31	-2.53
Net Loans, 1 Yr. Growth %	26.45	43.43	25.51	4.55	16.7
Non Performing Loans, 1 Yr. Growth %	5.54	23.11	2.48	19.86	24.12
Non Performing Assets, 1 Yr. Growth %	5.94	20.63	2.46	19.91	31.68
Total Assets, 1 Yr. Growth %	22.06	33.03	22.24	6.1	20.58
Total Deposits, 1 Yr Growth %	25.04	34.73	19.95	5.44	19.59
Tangible Book Value, 1 Yr. Growth %	13.53	15.81	48.3	6.3	15.53
Common Equity, 1 Yr. Growth %	13.53	15.81	48.96	6.52	15.24
Total Equity, 1 Yr. Growth %	13.53	15.81	48.96	6.52	15.34
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	8.05	11.41	14.5	2.13	5.85
Non Interest Income, 2 Yr. CAGR %	15.95	31.98	29.66	8.45	6.14
Provision For Loan Losses, 2 Yr. CAGR %	18.94	15.03	-3.87	-19.91	2.84
Total Revenues, 2 Yr. CAGR %	8.41	14.87	19.67	5.53	6.14
Earnings From Cont. Operations, 2 Yr. CAGR %	67.69	20.48	27.23	6.17	7.26
Net Income, 2 Yr. CAGR %	67.69	20.48	27.23	6.17	7.23
Normalized Net Income, 2 Yr. CAGR %	7.96	20.5	27.36	6.15	7.03
Diluted EPS Before Extra, 2 Yr. CAGR %	67.69	20.48	27.23	3.51	4.98
Dividend Per Share, 2 Yr. CAGR %	-39.84	-	41.42	-	47.24
Gross Loans, 2 Yr. CAGR %	15.62	33.69	33.35	14.25	10.27
Allowance For Loan Losses, 2 Yr. CAGR %	-2.33	14.47	3.66	-2.6	-0.14
Net Loans, 2 Yr. CAGR %	16.72	34.67	34.17	14.55	10.46
Non Performing Loans, 2 Yr. CAGR %	3.32	13.98	12.32	19.49	21.97
Non Performing Assets, 2 Yr. CAGR %	3.25	13.05	11.17	19.43	25.66
Total Assets, 2 Yr. CAGR %	13.48	27.43	27.52	13.83	13.11
Total Deposits, 2 Yr CAGR %	14.28	29.79	27.13	12.46	12.29
Tangible Book Value, 2 Yr. CAGR %	9.69	14.67	30.52	25.56	10.82
Common Equity, 2 Yr. CAGR %	9.69	14.67	31.32	25.97	10.8
Total Equity, 2 Yr. CAGR %	9.69	14.67	31.32	25.97	10.84
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	12.03	12.07	10.51	7.94	6.8
Non Interest Income, 3 Yr. CAGR %	-0.58	23.41	27.95	18.03	10.64
Provision For Loan Losses, 3 Yr. CAGR %	11.85	15.27	4.13	-11.44	-3.36
Total Revenues, 3 Yr. CAGR %	8.93	13.97	14.48	11.94	8.6
Earnings From Cont. Operations, 3 Yr. CAGR %	5.12	57.59	19.07	16.19	10.19
Net Income, 3 Yr. CAGR %	5.12	57.59	19.07	16.19	10.18
Normalized Net Income, 3 Yr. CAGR %	9.01	17.5	19.16	16.19	10.11
Diluted EPS Before Extra, 3 Yr. CAGR %	5.12	57.59	19.07	14.25	8.21
Dividend Per Share, 3 Yr. CAGR %	-27.28	-	-12.64	54.39	-
Gross Loans, 3 Yr. CAGR %	10.19	23.99	30.63	23.01	14.92
Allowance For Loan Losses, 3 Yr. CAGR %	10.38	5.5	4.57	5.31	-2.58
Net Loans, 3 Yr. CAGR %	10.57	25.02	31.54	23.47	15.26
Non Performing Loans, 3 Yr. CAGR %	11.37	9.54	10.01	20.69	21.01
Non Performing Assets, 3 Yr. CAGR %	9.52	8.75	9.4	19.83	23.38
Total Assets, 3 Yr. CAGR %	10.97	19.66	25.67	19.9	16.04
Total Deposits, 3 Yr CAGR %	12.19	20.73	26.43	19.44	14.79
Tangible Book Value, 3 Yr. CAGR %	1.4	11.69	24.59	21.89	22.12
Common Equity, 3 Yr. CAGR %	1.4	11.69	25.1	22.47	22.29
Total Equity, 3 Yr. CAGR %	1.4	11.69	25.1	22.47	22.32
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.17	12.69	13.01	7.98	8.62
Non Interest Income, 5 Yr. CAGR %	0.11	5.61	10.56	17.2	18.73
Provision For Loan Losses, 5 Yr. CAGR %	2.04	1.83	5.28	-0.35	3.62
Total Revenues, 5 Yr. CAGR %	9.5	12.22	13.1	10.51	11.07
Earnings From Cont. Operations, 5 Yr. CAGR %	8.24	12.66	13.46	34.56	14.2
Net Income, 5 Yr. CAGR %	8.24	12.66	13.46	34.56	14.19
Normalized Net Income, 5 Yr. CAGR %	10.63	15.14	16.01	12.82	14.15
Diluted EPS Before Extra, 5 Yr. CAGR %	8.24	12.66	13.46	33.2	12.96
Dividend Per Share, 5 Yr. CAGR %	0.51	-	-5.11	5.9	7.64
Gross Loans, 5 Yr. CAGR %	8.26	14.55	18.93	20	22.09
Allowance For Loan Losses, 5 Yr. CAGR %	5.29	6.76	7.64	2.18	3.91
Net Loans, 5 Yr. CAGR %	8.47	15.01	19.47	20.72	22.66
Non Performing Loans, 5 Yr. CAGR %	-5.63	0.97	11.75	13.42	18.15
Non Performing Assets, 5 Yr. CAGR %	-5.07	0.15	10.18	12.9	19.14
Total Assets, 5 Yr. CAGR %	8.24	12.92	17.31	17.29	20.46
Total Deposits, 5 Yr CAGR %	8.44	13.49	17.94	17.35	20.57
Tangible Book Value, 5 Yr. CAGR %	4.5	5.32	12.17	16.85	18.89
Common Equity, 5 Yr. CAGR %	4.5	5.32	12.45	17.19	19.17
Total Equity, 5 Yr. CAGR %	4.5	5.32	12.45	17.19	19.19