AL RAJHI BANKING AND INVESTMENT CORPORATION

Financial Ratios Al Rajhi Banking and Investment Corporation

Stocks

1120

SA0007879113

Banks

Delayed Saudi Arabian S.E. Other stock markets 02:17:18 19/07/2026 pm IST			5-day change	1st Jan Change
64.50 ^SAR	+0.08%		-1.00%	-0.85%

16/07	Mideast stocks-most Gulf markets in red as US-Iran conflict escalates	RE
16/07	MIDEAST STOCKS-Most Gulf markets subdued amid renewed US strikes on Iran	RE

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Published financial data: AL RAJHI BANKING AND INVESTMENT CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.14TCr	2.82TCr	3.87TCr	4.7TCr	5.58TCr
Interest Income, Total	2.14TCr	2.82TCr	3.87TCr	4.7TCr	5.58TCr
Interest On Deposits	104.96Cr	602.89Cr	1.75TCr	2.22TCr	2.6TCr
Interest Expense, Total	104.96Cr	602.89Cr	1.75TCr	2.22TCr	2.6TCr
Net Interest Income	2.04TCr	2.22TCr	2.13TCr	2.48TCr	2.98TCr
Gain (Loss) on Sale of Assets	4.75Cr	12.75L	98.51L	52.17L	88.66L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-3.79Cr	-21Cr	3.21Cr	6.68Cr	-12Cr
Income (Loss) on Equity Invest. (Income Block)	3.2Cr	1.38Cr	8.79Cr	14Cr	12Cr
Total Other Non Interest Income	528.28Cr	659.6Cr	613.25Cr	700.29Cr	924.02Cr
Non Interest Income, Total	532.45Cr	640.23Cr	626.23Cr	721.23Cr	924.83Cr
Revenues Before Provison For Loan Losses	2.57TCr	2.86TCr	2.75TCr	3.21TCr	3.91TCr
Provision For Loan Losses	234.51Cr	200.13Cr	150.42Cr	211.67Cr	232.05Cr
Total Revenues	2.34TCr	2.66TCr	2.6TCr	2.99TCr	3.68TCr
Salaries And Other Employee Benefits	313.23Cr	339.52Cr	352.51Cr	376.09Cr	402.56Cr
Occupancy Expense	114.19Cr	129.11Cr	157.8Cr	198.19Cr	236.91Cr
Selling General & Admin Expenses, Total	265.22Cr	272.44Cr	239.48Cr	222.78Cr	273.24Cr
Non Interest Expense, Total	692.65Cr	741.07Cr	749.79Cr	797.07Cr	912.7Cr
EBT, Excl. Unusual Items	1.64TCr	1.92TCr	1.85TCr	2.2TCr	2.76TCr
Total Merger & Related Restructuring Charges	-	-13.88L	-	-	-
Asset Writedown	-	-3.9Cr	-	-	-
EBT, Incl. Unusual Items	1.64TCr	1.91TCr	1.85TCr	2.2TCr	2.76TCr
Income Tax Expense	169.86Cr	197.19Cr	190.81Cr	223.67Cr	282.2Cr
Earnings From Continuing Operations	1.47TCr	1.72TCr	1.66TCr	1.97TCr	2.48TCr
Net Income to Company	1.47TCr	1.72TCr	1.66TCr	1.97TCr	2.48TCr
Minority Interest	-	-	-	-89.8L	-3.28Cr
Net Income - (IS)	1.47TCr	1.72TCr	1.66TCr	1.97TCr	2.48TCr
Preferred Dividend and Other Adjustments	-	-	82Cr	103.59Cr	137.69Cr
Net Income to Common Incl Extra Items	1.47TCr	1.72TCr	1.58TCr	1.87TCr	2.34TCr
Net Income to Common Excl. Extra Items	1.47TCr	1.72TCr	1.58TCr	1.87TCr	2.34TCr
Per Share Items
Net EPS - Basic	2.46	2.86	2.63	3.11	3.9
Basic EPS - Continuing Operations	2.46	2.86	2.63	3.11	3.9
Basic Weighted Average Shares Outstanding	600Cr	600Cr	600Cr	600Cr	600Cr
Net EPS - Diluted	2.46	2.86	2.63	3.11	3.9
Diluted EPS - Continuing Operations	2.46	2.86	2.63	3.11	3.9
Diluted Weighted Average Shares Outstanding	600Cr	600Cr	600Cr	600Cr	600Cr
Normalized Basic EPS	1.71	2	1.93	2.29	2.87
Normalized Diluted EPS	1.71	2	1.93	2.29	2.87
Dividend Per Share	-	0.83	1.53	1.81	1.67
Payout Ratio	40.69	-	57.76	48.68	35.66
Supplemental Items
Effective Tax Rate - (Ratio)	10.33	10.31	10.3	10.18	10.21
Normalized Net Income	1.03TCr	1.2TCr	1.16TCr	1.37TCr	1.72TCr
Non-Cash Pension Expense	0	-37.74L	-66.27L	25.79L	2L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-3.71Cr	-
Total Stock-Based Compensation	-	-	-	-3.71Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.22TCr	2.52TCr	1.24TCr	2.41TCr	3.65TCr
Investment Securities, Total	7.72TCr	9.89TCr	13TCr	17TCr	17TCr
Trading Asset Securities, Total	718.49Cr	497.13Cr	442.98Cr	838.55Cr	985.19Cr
Total investments	8.44TCr	10TCr	14TCr	18TCr	18TCr
Gross Loans	47TCr	58TCr	61TCr	71TCr	77TCr
Allowance For Loan Losses	-919.82Cr	-802.77Cr	-872.59Cr	-850.53Cr	-868.29Cr
Other Adjustments to Gross Loans	-340.48Cr	-409.62Cr	-464.17Cr	-451.12Cr	-359.37Cr
Net Loans	45TCr	57TCr	59TCr	69TCr	75TCr
Gross Property Plant And Equipment	1.87TCr	2.03TCr	2.31TCr	2.42TCr	1.92TCr
Accumulated Depreciation	-798.47Cr	-893.05Cr	-1.02TCr	-1.03TCr	-852.36Cr
Net Property Plant And Equipment	1.07TCr	1.13TCr	1.29TCr	1.39TCr	1.07TCr
Goodwill	-	25Cr	25Cr	5.51Cr	5.96Cr
Other Intangibles, Total	-	97Cr	126.18Cr	138.04Cr	505.61Cr
Investment in Real Estate	141.15Cr	136.49Cr	136.27Cr	135.86Cr	135Cr
Accrued Interest Receivable	37Cr	50Cr	86Cr	85Cr	106.72Cr
Other Receivables	1.87TCr	1.41TCr	683.33Cr	1.2TCr	931.22Cr
Restricted Cash	2.88TCr	3.29TCr	3.5TCr	4.03TCr	3.95TCr
Other Current Assets, Total	80Cr	116.08Cr	200.31Cr	289.49Cr	374.49Cr
Other Real Estate Owned And Foreclosed	2.8Cr	2.8Cr	3.57Cr	37Cr	44Cr
Other Long-Term Assets, Total	336.95Cr	232.81Cr	581.5Cr	586.17Cr	529.5Cr
Total Assets	62TCr	76TCr	81TCr	97TCr	1,04300Cr
Liabilities
Accounts Payable, Total	540.09Cr	505.72Cr	599.1Cr	743.11Cr	471.02Cr
Accrued Expenses, Total	226.7Cr	210.89Cr	281.4Cr	355.8Cr	466.83Cr
Interest Bearing Deposits	15TCr	8.08TCr	11TCr	19TCr	13TCr
Non-Interest Bearing Deposits	38TCr	55TCr	56TCr	62TCr	66TCr
Total Deposits	53TCr	64TCr	67TCr	80TCr	78TCr
Short-Term Borrowings	-	167.76Cr	79Cr	167.9Cr	227.67Cr
Current Portion of Long-Term Debt	-	-	-	36Cr	4.26TCr
Long-Term Debt	-	-	378.91Cr	809.09Cr	3.72TCr
Long-Term Leases	93Cr	72Cr	63Cr	49Cr	45Cr
Current Income Taxes Payable	342.49Cr	283.64Cr	275.91Cr	223.23Cr	277.89Cr
Other Current Liabilities - (Bank / Utility Template)	-	-	-	204.78Cr	155.41Cr
Unearned Revenue Non Current	2.98Cr	60.75L	18.91L	1.6Cr	3.31Cr
Pension & Other Post Retirement Benefits	119.83Cr	119.16Cr	114.56Cr	101.1Cr	105.66Cr
Other Non Current Liabilities	1.31TCr	1.28TCr	1.31TCr	2.27TCr	1.84TCr
Total Liabilities	56TCr	66TCr	70TCr	85TCr	90TCr
Common Stock, Total	2.5TCr	4TCr	4TCr	4TCr	4TCr
Retained Earnings	4.2TCr	4.42TCr	5.04TCr	5.98TCr	7.43TCr
Comprehensive Income and Other	31Cr	1.61TCr	1.64TCr	2.32TCr	2.85TCr
Total Common Equity	6.73TCr	10TCr	11TCr	12TCr	14TCr
Minority Interest	-	-	-	11Cr	15Cr
Total Equity	6.73TCr	10TCr	11TCr	12TCr	14TCr
Total Liabilities And Equity	62TCr	76TCr	81TCr	97TCr	1,04300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	600Cr	600Cr	600Cr	600Cr	600Cr
ECS Total Common Shares Outstanding	600Cr	600Cr	600Cr	600Cr	600Cr
Book Value / Share	11.22	13.95	15.04	16.58	19.14
Tangible Book Value	6.73TCr	9.9TCr	11TCr	12TCr	14TCr
Tangible Book Value Per Share	11.22	13.75	14.79	16.34	18.29
Total Debt	93Cr	240.08Cr	521.76Cr	1.06TCr	8.26TCr
Deposits at Interest - Cash	1.65TCr	1.81TCr	567.61Cr	1.72TCr	2.89TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	119.83Cr	119.16Cr	114.56Cr	101.1Cr	105.66Cr
Net Debt	-2.85TCr	-2.78TCr	-1.16TCr	-2.19TCr	3.63TCr
Equity Method Investments, Total	30Cr	82Cr	92Cr	103.43Cr	115.72Cr
Full Time Employees	15.08T	19.96T	20.88T	23.44T	24.71T
Number Of Offices	574	557	545	550	545

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.47TCr	1.72TCr	1.66TCr	1.97TCr	2.48TCr
Depreciation, Depletion & Amortization	114.19Cr	117.98Cr	140.63Cr	175.25Cr	123.78Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	11Cr	17Cr	23Cr	-
Total Depreciation, Depletion & Amortization	114.19Cr	129.11Cr	157.8Cr	198.19Cr	123.78Cr
Amortization of Deferred Charges, Total	-	-	-	-	113.13Cr
(Gain) Loss On Sale of Asset - (CF)	-4.75Cr	-12.75L	-98.51L	-52.17L	-88.66L
(Gain) Loss on Sale of Investments - (CF)	3.79Cr	26Cr	-23Cr	-37Cr	72Cr
Total Asset Writedown	-	3.9Cr	-	-	-
Provision for Credit Losses	234.51Cr	200.13Cr	165.61Cr	211.67Cr	232.05Cr
(Income) Loss On Equity Investments - (CF)	-3.2Cr	-1.38Cr	-8.79Cr	-14Cr	-12Cr
Stock-Based Compensation (CF)	-	-	-	-3.71Cr	-
Change in Trading Asset Securities	-59Cr	-45.27L	-25Cr	-286.07Cr	33Cr
Change in Other Net Operating Assets (Collected)	-13TCr	-6.43TCr	34Cr	-2.21TCr	-6.54TCr
Other Operating Activities	-39Cr	-68Cr	-36Cr	-86Cr	30Cr
Cash from Operations	-11TCr	-4.42TCr	1.92TCr	-254.91Cr	-3.47TCr
Capital Expenditure	-227.68Cr	-220.13Cr	-314.75Cr	-298.42Cr	-352.34Cr
Sale of Property, Plant, and Equipment	89Cr	12Cr	44Cr	34Cr	115.36Cr
Cash Acquisitions	-	-54Cr	-	-	-
Purchase / Sale of Intangible Assets	-	-43Cr	-47Cr	-53Cr	-
Sale (Purchase) of Real Estate Properties (Collected)	-11Cr	-18Cr	-6.9Cr	-6.18Cr	-1.23Cr
Investment in Marketable and Equity Securities, Total	-2.3TCr	-1.85TCr	-3.13TCr	-3.89TCr	48Cr
Other Investing Activities, Total	-31.59L	6.32Cr	23Cr	40Cr	33Cr
Cash from Investing	-2.45TCr	-2.17TCr	-3.43TCr	-4.17TCr	-156.45Cr
Long-Term Debt Issued, Total	-	-	378.91Cr	466.16Cr	4.24TCr
Total Debt Issued	-	-	378.91Cr	466.16Cr	4.24TCr
Long-Term Debt Repaid, Total	-3.74Cr	-27Cr	-25Cr	-26Cr	-24Cr
Total Debt Repaid	-3.74Cr	-27Cr	-25Cr	-26Cr	-24Cr
Issuance of Common Stock	-	1.65TCr	-	705.38Cr	435.41Cr
Common Dividends Paid	-600Cr	-	-960Cr	-960Cr	-884Cr
Common & Preferred Stock Dividends Paid	-600Cr	-	-960Cr	-960Cr	-884Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	13TCr	5.29TCr	817.59Cr	5.51TCr	1.23TCr
Other Financing Activities, Total	-	-20Cr	-82Cr	-103.59Cr	-137.69Cr
Cash from Financing	12TCr	6.89TCr	128.95Cr	5.6TCr	4.86TCr
Net Change in Cash	-1.06TCr	295.29Cr	-1.38TCr	1.17TCr	1.24TCr
Supplemental Items
Net Debt Issued / Repaid	-3.74Cr	-27Cr	353.42Cr	440.07Cr	4.22TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.7	2.47	2.12	2.21	2.46
Return On Equity %	23.51	20.48	16.06	17.17	18.66
Return on Common Equity	23.51	20.48	15.27	16.26	17.62
Shareholders Value Added	722.06Cr	721.26Cr	437.38Cr	616.41Cr	884.41Cr
Margin Analysis
SG&A Margin	29.64	27.89	28.81	26.62	24.82
Net Interest Income / Total Revenues %	87.25	83.44	81.72	82.98	81.16
EBT Excl. Non-Recurring Items Margin %	70.36	72.11	71.19	73.38	75.18
Income From Continuing Operations Margin %	63.1	64.54	63.86	65.91	67.51
Net Income Margin %	63.1	64.54	63.86	65.88	67.42
Net Avail. For Common Margin %	63.1	64.54	60.71	62.42	63.67
Normalized Net Income Margin	43.98	45.07	44.49	45.83	46.9
Asset quality
Nonperforming Loans / Total Loans %	0.65	0.53	0.71	0.76	0.74
Nonperforming Loans / Total Assets %	0.48	0.4	0.53	0.55	0.55
Nonperforming Assets / Total Assets %	0.49	0.41	0.54	0.59	0.59
NPAs / Loans and OREO	0.65	0.54	0.71	0.81	0.8
NPAs / Equity	4.51	3.11	4.06	4.63	4.29
Allowance for Credit Losses / Net Charge-offs %	1.23T	256.01	598.04	360.73	396.76
Allowance for Credit Losses / Nonperforming Loans %	305.58	260.24	203.03	159.44	152.49
Allowance for Credit Losses / Total Loans %	1.98	1.38	1.44	1.2	1.13
Provision for Loan Losses / Net Charge-offs %	313.17	63.82	103.09	89.78	106.03
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.48	12.09	13.19	12.89	13.19
Total Average Equity / Total Average Assets %	11.48	12.09	13.19	12.9	13.2
Total Equity + Allowance for Loan Losses / Total Loans %	16.44	18.65	19.01	18.62	19.8
Gross Loans / Total Deposits %	87.81	91.3	90.64	88.12	97.51
Net Loans / Total Deposits %	85.44	89.39	88.64	86.5	95.95
Tier 1 Capital Ratio %	16.49	20.27	20.4	19.29	20.49
Total Capital Ratio %	17.62	21.41	21.52	20.21	21.85
Core Tier 1 Capital Ratio	-	-	-	-	-
Tier 2 Capital Ratio	1.13	1.14	1.12	0.92	1.37
Coverage Ratio	305.58	260.24	203.03	159.44	152.49
Interbank Ratio	145.19	36.22	9.78	11.26	22.97
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	16.67	4.17	2.06	1.99	2.06
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	20.57	8.73	-4.08	16.8	20.14
Non Interest Income, 1 Yr. Growth %	39.81	20.24	-2.19	15.17	28.23
Provision For Loan Losses, 1 Yr. Growth %	8.28	-14.66	-24.84	40.72	9.62
Total Revenues, 1 Yr. Growth %	25.95	13.7	-2.06	15.03	22.83
Earnings From Cont. Operations, 1 Yr. Growth %	39.17	16.31	-3.09	18.71	25.81
Net Income, 1 Yr. Growth %	39.17	16.31	-3.09	18.66	25.7
Normalized Net Income, 1 Yr. Growth %	39.2	16.53	-3.31	18.48	25.69
Diluted EPS Before Extra, 1 Yr. Growth %	39.17	16.31	-6.81	18.26	25.3
Dividend Per Share, 1 Yr. Growth %	-	-	84	17.83	-7.75
Gross Loans, 1 Yr. Growth %	42.59	24.71	4.58	16.27	8.3
Allowance For Loan Losses, 1 Yr. Growth %	23.11	-12.73	2.31	-2.53	2.09
Net Loans, 1 Yr. Growth %	43.43	25.51	4.55	16.7	8.56
Non Performing Loans, 1 Yr. Growth %	23.11	2.48	19.86	24.12	6.74
Non Performing Assets, 1 Yr. Growth %	20.63	2.46	19.91	31.68	7.53
Total Assets, 1 Yr. Growth %	33.03	22.24	6.1	20.58	7.28
Total Deposits, 1 Yr Growth %	34.73	19.95	5.44	19.59	1.54
Tangible Book Value, 1 Yr. Growth %	15.81	48.3	6.3	15.53	15.44
Common Equity, 1 Yr. Growth %	15.81	48.96	6.52	15.24	16.04
Total Equity, 1 Yr. Growth %	15.81	48.96	6.52	15.34	16.06
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	11.41	14.5	2.13	5.85	18.46
Non Interest Income, 2 Yr. CAGR %	31.98	29.66	8.45	6.14	21.52
Provision For Loan Losses, 2 Yr. CAGR %	15.03	-3.87	-19.91	2.84	24.21
Total Revenues, 2 Yr. CAGR %	14.87	19.67	5.53	6.14	18.86
Earnings From Cont. Operations, 2 Yr. CAGR %	20.48	27.23	6.17	7.26	22.21
Net Income, 2 Yr. CAGR %	20.48	27.23	6.17	7.23	22.13
Normalized Net Income, 2 Yr. CAGR %	20.5	27.36	6.15	7.03	22.03
Diluted EPS Before Extra, 2 Yr. CAGR %	20.48	27.23	3.51	4.98	21.73
Dividend Per Share, 2 Yr. CAGR %	-	41.41	-	47.25	4.26
Gross Loans, 2 Yr. CAGR %	33.69	33.35	14.25	10.27	12.21
Allowance For Loan Losses, 2 Yr. CAGR %	14.47	3.66	-2.6	-0.14	-0.25
Net Loans, 2 Yr. CAGR %	34.67	34.17	14.55	10.46	12.55
Non Performing Loans, 2 Yr. CAGR %	13.98	12.32	19.49	21.97	15.1
Non Performing Assets, 2 Yr. CAGR %	13.05	11.17	19.43	25.66	18.99
Total Assets, 2 Yr. CAGR %	27.43	27.52	13.83	13.11	13.62
Total Deposits, 2 Yr CAGR %	29.79	27.13	12.46	12.29	8.18
Tangible Book Value, 2 Yr. CAGR %	14.67	30.52	25.56	10.82	14.36
Common Equity, 2 Yr. CAGR %	14.67	31.32	25.97	10.8	15.64
Total Equity, 2 Yr. CAGR %	14.67	31.32	25.97	10.84	15.7
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	12.07	10.51	7.94	6.8	10.41
Non Interest Income, 3 Yr. CAGR %	23.41	27.95	18.03	10.64	13.04
Provision For Loan Losses, 3 Yr. CAGR %	15.27	4.13	-11.44	-3.36	5.06
Total Revenues, 3 Yr. CAGR %	13.97	14.48	11.94	8.6	11.44
Earnings From Cont. Operations, 3 Yr. CAGR %	57.59	19.07	16.19	10.19	13.12
Net Income, 3 Yr. CAGR %	57.59	19.07	16.19	10.18	13.07
Normalized Net Income, 3 Yr. CAGR %	17.5	19.16	16.19	10.11	12.92
Diluted EPS Before Extra, 3 Yr. CAGR %	57.59	19.07	14.25	8.21	11.36
Dividend Per Share, 3 Yr. CAGR %	-	-12.64	54.38	-	25.99
Gross Loans, 3 Yr. CAGR %	23.99	30.63	23.01	14.92	9.61
Allowance For Loan Losses, 3 Yr. CAGR %	5.5	4.57	5.31	-2.58	0.6
Net Loans, 3 Yr. CAGR %	25.02	31.54	23.47	15.26	9.82
Non Performing Loans, 3 Yr. CAGR %	9.54	10.01	20.69	21.01	16.67
Non Performing Assets, 3 Yr. CAGR %	8.75	9.4	19.83	23.38	19.3
Total Assets, 3 Yr. CAGR %	19.66	25.67	19.9	16.04	11.06
Total Deposits, 3 Yr CAGR %	20.73	26.43	19.44	14.79	7.26
Tangible Book Value, 3 Yr. CAGR %	11.69	24.59	21.89	22.12	11.61
Common Equity, 3 Yr. CAGR %	11.69	25.1	22.47	22.29	12.52
Total Equity, 3 Yr. CAGR %	11.69	25.1	22.47	22.32	12.55
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.69	13.01	7.98	8.62	12.03
Non Interest Income, 5 Yr. CAGR %	5.61	10.56	17.2	18.73	19.42
Provision For Loan Losses, 5 Yr. CAGR %	1.83	5.28	-0.35	3.62	1.39
Total Revenues, 5 Yr. CAGR %	12.22	13.1	10.51	11.07	14.66
Earnings From Cont. Operations, 5 Yr. CAGR %	12.66	13.46	34.56	14.2	18.56
Net Income, 5 Yr. CAGR %	12.66	13.46	34.56	14.19	18.53
Normalized Net Income, 5 Yr. CAGR %	15.14	16.01	12.82	14.15	18.49
Diluted EPS Before Extra, 5 Yr. CAGR %	12.66	13.46	33.2	12.96	17.19
Dividend Per Share, 5 Yr. CAGR %	-	-5.11	5.9	7.65	31.95
Gross Loans, 5 Yr. CAGR %	14.55	18.93	20	22.09	18.57
Allowance For Loan Losses, 5 Yr. CAGR %	6.76	7.64	2.18	3.91	3.05
Net Loans, 5 Yr. CAGR %	15.01	19.47	20.72	22.66	18.98
Non Performing Loans, 5 Yr. CAGR %	0.97	11.75	13.42	18.15	18.42
Non Performing Assets, 5 Yr. CAGR %	0.15	10.18	12.9	19.14	19.49
Total Assets, 5 Yr. CAGR %	12.92	17.31	17.29	20.46	17.35
Total Deposits, 5 Yr CAGR %	13.49	17.94	17.35	20.57	14.8
Tangible Book Value, 5 Yr. CAGR %	5.32	12.17	16.85	18.89	18.82
Common Equity, 5 Yr. CAGR %	5.32	12.45	17.19	19.17	19.69
Total Equity, 5 Yr. CAGR %	5.32	12.45	17.19	19.19	19.72