Balance Sheet Banco BPM S.p.A.

Equities

BAMI

IT0005218380

Banks

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Published financial data: BANCO BPM S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	242.52Cr	293.71Cr	655.91Cr	722.81Cr	578.55Cr
Interest Income On Investments	5.37Cr	6.08Cr	7.95Cr	9.31Cr	20Cr
Interest Income, Total	247.89Cr	299.79Cr	663.86Cr	732.13Cr	598.11Cr
Interest On Deposits	41Cr	60Cr	318.83Cr	350.97Cr	237.01Cr
Interest Expense, Total	41Cr	60Cr	318.83Cr	350.97Cr	237.01Cr
Net Interest Income	206.99Cr	240.23Cr	345.03Cr	381.16Cr	361.11Cr
Income From Trading Activities	7.95Cr	17Cr	8.46Cr	13Cr	33Cr
Gain (Loss) on Sale of Loans	-15Cr	-6.09Cr	-4.26Cr	-6.14Cr	3.76Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	3.15Cr	-11Cr	-6.73Cr	60Cr	-19Cr
Total Other Non Interest Income	189.13Cr	185.99Cr	167.59Cr	137.94Cr	195.32Cr
Non Interest Income, Total	185.71Cr	186.24Cr	165.06Cr	204.65Cr	213.39Cr
Revenues Before Provison For Loan Losses	392.69Cr	426.47Cr	510.09Cr	585.81Cr	574.49Cr
Provision For Loan Losses	63Cr	48Cr	52Cr	40Cr	36Cr
Total Revenues	329.69Cr	378.42Cr	458.56Cr	545.4Cr	538.32Cr
Salaries And Other Employee Benefits	167.74Cr	161.29Cr	164.85Cr	191.04Cr	176.86Cr
Amort. of Goodwill & Intang. Assets	11Cr	13Cr	-	-	-
Occupancy Expense	17Cr	18Cr	28Cr	29Cr	33Cr
Selling General & Admin Expenses, Total	110.86Cr	115.76Cr	112.44Cr	106.32Cr	105.67Cr
(Income) Loss on Equity Invest.	-21Cr	-15Cr	-4.08Cr	-10Cr	-32Cr
Total Other Non Interest Expense	-37Cr	-33Cr	-37Cr	-37Cr	-36Cr
Non Interest Expense, Total	248.16Cr	260.67Cr	263.84Cr	278.81Cr	246.75Cr
EBT, Excl. Unusual Items	82Cr	117.75Cr	194.73Cr	266.58Cr	291.56Cr
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-81.32L	-	-	-12L
Asset Writedown	-14Cr	-12Cr	-15Cr	-5.52Cr	-1.14Cr
Legal Settlements	-2.51Cr	-3.53Cr	-1.8Cr	-2.31Cr	-3.8Cr
Other Unusual Items	71.26L	43.57L	-36.33L	87.7L	-31.67L
EBT, Incl. Unusual Items	65Cr	102.3Cr	177.77Cr	259.62Cr	286.2Cr
Income Tax Expense	8.5Cr	32Cr	51Cr	68Cr	76Cr
Earnings From Continuing Operations	57Cr	70Cr	126.44Cr	192.04Cr	210.28Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	57Cr	70Cr	126.44Cr	192.04Cr	210.28Cr
Minority Interest	3L	8L	22T	11T	-2.08Cr
Net Income - (IS)	57Cr	70Cr	126.45Cr	192.04Cr	208.2Cr
Preferred Dividend and Other Adjustments	-	-	40L	50L	-
Net Income to Common Incl Extra Items	57Cr	70Cr	126.05Cr	191.54Cr	208.2Cr
Net Income to Common Excl. Extra Items	57Cr	70Cr	126.05Cr	191.54Cr	208.2Cr
Per Share Items
Net EPS - Basic	0.38	0.47	0.84	1.27	1.38
Basic EPS - Continuing Operations	0.38	0.47	0.84	1.27	1.38
Basic Weighted Average Shares Outstanding	151.08Cr	150.88Cr	150.79Cr	150.5Cr	150.36Cr
Net EPS - Diluted	0.38	0.46	0.84	1.27	1.38
Diluted EPS - Continuing Operations	0.38	0.46	0.84	1.27	1.38
Diluted Weighted Average Shares Outstanding	151.08Cr	150.88Cr	150.79Cr	150.5Cr	150.36Cr
Normalized Basic EPS	0.34	0.49	0.81	1.11	1.2
Normalized Diluted EPS	0.34	0.49	0.81	1.11	1.2
Dividend Per Share	0.19	0.23	0.56	1	1
Payout Ratio	-	41.04	27.64	75.44	76.8
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	13	31.4	28.87	26.03	26.53
Total Current Taxes	-8.11Cr	4.81Cr	6.33Cr	-9.81Cr	33Cr
Total Deferred Taxes	17Cr	27Cr	45Cr	77Cr	43Cr
Normalized Net Income	51Cr	74Cr	121.71Cr	166.62Cr	180.15Cr
Non-Cash Pension Expense	-38T	-	33.72L	27.54L	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	77.82L	88.51L	87.13L	1.13Cr	1.44Cr
Total Stock-Based Compensation	77.82L	88.51L	87.13L	1.13Cr	1.44Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.92TCr	1.31TCr	1.83TCr	1.21TCr	561.3Cr
Investment Securities, Total	1.9TCr	2.23TCr	3.68TCr	3.92TCr	4.58TCr
Trading Asset Securities, Total	498.76Cr	625.21Cr	573.76Cr	704.42Cr	1.25TCr
Total investments	2.39TCr	2.85TCr	4.25TCr	4.63TCr	5.83TCr
Gross Loans	13TCr	14TCr	13TCr	13TCr	13TCr
Allowance For Loan Losses	-357.47Cr	-286.75Cr	-234.88Cr	-173.17Cr	-166.29Cr
Net Loans	13TCr	13TCr	13TCr	13TCr	13TCr
Gross Property Plant And Equipment	415.25Cr	417.4Cr	432.38Cr	452.85Cr	470.43Cr
Accumulated Depreciation	-198Cr	-209.46Cr	-228.81Cr	-249.18Cr	-263.61Cr
Net Property Plant And Equipment	217.25Cr	207.94Cr	203.58Cr	203.67Cr	206.82Cr
Goodwill	5.49Cr	5.67Cr	5.67Cr	5.67Cr	160.61Cr
Other Intangibles, Total	115.89Cr	123Cr	120.07Cr	119.99Cr	160.8Cr
Investment in Real Estate	110.58Cr	96Cr	82Cr	48Cr	41Cr
Accrued Interest Receivable	3.64Cr	3.25Cr	13Cr	9.01Cr	1.84Cr
Other Receivables	218.79Cr	331.09Cr	438.26Cr	491.27Cr	429.58Cr
Restricted Cash	1TCr	129.77Cr	93Cr	101.42Cr	109.6Cr
Other Current Assets, Total	23Cr	21Cr	47Cr	44Cr	20Cr
Deferred Tax Assets Long-Term (Collected)	429.36Cr	435.73Cr	384.98Cr	311.89Cr	265.06Cr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	71Cr	73Cr	88Cr	96Cr	93Cr
Total Assets	20TCr	19TCr	20TCr	20TCr	21TCr
Liabilities
Accounts Payable, Total	23Cr	20Cr	23Cr	22Cr	25Cr
Accrued Expenses, Total	62Cr	54Cr	68Cr	99Cr	110.72Cr
Interest Bearing Deposits	226.47Cr	256.45Cr	164.17Cr	271.84Cr	260.15Cr
Non-Interest Bearing Deposits	10TCr	10TCr	9.88TCr	9.92TCr	10TCr
Total Deposits	11TCr	11TCr	10TCr	10TCr	11TCr
Short-Term Borrowings	782.88Cr	853.68Cr	715.25Cr	675.95Cr	655.41Cr
Current Portion of Leases	14.05L	11Cr	11Cr	11Cr	12Cr
Long-Term Debt	5.49TCr	4.5TCr	4.36TCr	3.41TCr	3.5TCr
Long-Term Leases	67Cr	52Cr	56Cr	54Cr	56Cr
Current Income Taxes Payable	88.94L	16.1L	6.33Cr	4.17Cr	1.57Cr
Other Current Liabilities - (Bank / Utility Template)	1.29TCr	900.32Cr	2.07TCr	2.22TCr	2.19TCr
Pension & Other Post Retirement Benefits	45Cr	36Cr	34Cr	32Cr	27Cr
Deferred Tax Liability Non-Current	29Cr	28Cr	39Cr	43Cr	54Cr
Other Non Current Liabilities	274.64Cr	175.87Cr	1.39TCr	1.6TCr	1.69TCr
Total Liabilities	19TCr	17TCr	19TCr	18TCr	19TCr
Common Stock, Total	710Cr	710Cr	710Cr	710Cr	710Cr
Retained Earnings	423.93Cr	457.76Cr	545.77Cr	553.08Cr	580.08Cr
Treasury Stock	-81.59L	-1.83Cr	-2.29Cr	-6.67Cr	-6.75Cr
Comprehensive Income and Other	176.39Cr	552.47Cr	150.33Cr	203.98Cr	267.14Cr
Total Common Equity	1.31TCr	1.72TCr	1.4TCr	1.46TCr	1.55TCr
Minority Interest	11.08L	7L	68T	69T	8.05Cr
Total Equity	1.31TCr	1.72TCr	1.4TCr	1.46TCr	1.56TCr
Total Liabilities And Equity	20TCr	19TCr	20TCr	20TCr	21TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	151.16Cr	150.66Cr	150.73Cr	150.39Cr	150.51Cr
ECS Total Common Shares Outstanding	151.16Cr	150.9Cr	150.82Cr	150.14Cr	150.34Cr
Book Value / Share	8.66	11.39	9.31	9.73	10.31
Tangible Book Value	1.19TCr	1.59TCr	1.28TCr	1.33TCr	1.23TCr
Tangible Book Value Per Share	7.86	10.53	8.47	8.89	8.18
Total Debt	6.34TCr	5.41TCr	5.14TCr	4.15TCr	4.22TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	-	-
Net Debt	2.51TCr	3.2TCr	2.15TCr	1.9TCr	1.87TCr
Equity Method Investments, Total	179.41Cr	145.4Cr	145.42Cr	170.84Cr	145.26Cr
Full Time Employees	16.55T	19.16T	18.77T	16.16T	15.86T
Part Time Employees	3.41T	-	-	3.34T	3.1T
Number Of Offices	1.51T	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	57Cr	70Cr	126.45Cr	192.04Cr	208.2Cr
Depreciation, Depletion & Amortization	17Cr	18Cr	15Cr	15Cr	16Cr
Amortization of Goodwill and Intangible Assets - (CF)	11Cr	3.86Cr	3.3Cr	3.24Cr	5.37Cr
Total Depreciation, Depletion & Amortization	28Cr	22Cr	18Cr	18Cr	21Cr
Amortization of Deferred Charges, Total	31.15L	9.18Cr	9.8Cr	11Cr	12Cr
(Gain) Loss on Sale of Investments - (CF)	-11Cr	-1.59Cr	-13Cr	-23Cr	-28Cr
Total Asset Writedown	20.1L	1.52Cr	6L	7L	52.74L
Provision for Credit Losses	64Cr	48Cr	52Cr	40Cr	37Cr
Change in Trading Asset Securities	279.76Cr	-211.35Cr	-648.86Cr	-452.95Cr	-917.66Cr
Change in Other Net Operating Assets (Collected)	1.56TCr	-1.53TCr	203.24Cr	-390.64Cr	167.4Cr
Other Operating Activities	-11Cr	27Cr	841.7Cr	115.77Cr	145.53Cr
Cash from Operations	1.97TCr	-1.57TCr	589.34Cr	-488.93Cr	-354.24Cr
Capital Expenditure	-9.23Cr	-12Cr	-7.35Cr	-11Cr	-9.13Cr
Sale of Property, Plant, and Equipment	1.77Cr	18.39L	55.18L	15.54L	4.72Cr
Cash Acquisitions	-	-	-	-	-105.25Cr
Purchase / Sale of Intangible Assets	-11Cr	-20Cr	-12Cr	-14Cr	-42Cr
Investment in Marketable and Equity Securities, Total	3L	7.43Cr	4.06Cr	23Cr	4.1Cr
Other Investing Activities, Total	-	-	-	-	6.13Cr
Cash from Investing	-18Cr	-25Cr	-14Cr	-2.69Cr	-141.46Cr
Issuance of Common Stock	33Cr	21Cr	-	3.79Cr	5.46Cr
Repurchase of Common Stock	-	-1.6Cr	-3.01Cr	-5Cr	-1.7Cr
Common Dividends Paid	-	-29Cr	-35Cr	-144.87Cr	-159.89Cr
Common & Preferred Stock Dividends Paid	-	-29Cr	-35Cr	-144.87Cr	-159.89Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Special Dividend Paid	-9.05Cr	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	24Cr	-9.63Cr	-38Cr	-146.07Cr	-156.13Cr
Net Change in Cash	1.97TCr	-1.6TCr	537.1Cr	-637.7Cr	-651.83Cr
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.3	0.36	0.65	0.96	1.04
Return On Equity %	4.49	4.64	9.35	13.41	13.93
Return on Common Equity	4.49	4.64	9.32	13.37	13.83
Shareholders Value Added	-84Cr	-107.55Cr	-33Cr	23Cr	33Cr
Margin Analysis
SG&A Margin	89.54	77.99	66.5	59.88	58.57
Net Interest Income / Total Revenues %	62.78	63.48	75.24	69.89	67.08
EBT Excl. Non-Recurring Items Margin %	24.73	31.12	42.46	48.88	54.16
Income From Continuing Operations Margin %	17.25	18.55	27.57	35.21	39.06
Net Income Margin %	17.26	18.57	27.57	35.21	38.68
Net Avail. For Common Margin %	17.26	18.57	27.49	35.12	38.68
Normalized Net Income Margin	15.47	19.47	26.54	30.55	33.47
Asset quality
Nonperforming Loans / Total Loans %	4.94	-	-	2.23	-
Nonperforming Loans / Total Assets %	3.18	-	-	1.43	-
Nonperforming Assets / Total Assets %	3.18	-	-	1.43	-
NPAs / Loans and OREO	4.94	-	-	2.23	-
NPAs / Equity	48.69	-	-	19.4	-
Allowance for Credit Losses / Net Charge-offs %	597.35	-	-	997.86	-
Allowance for Credit Losses / Nonperforming Loans %	56.06	-	-	61.13	-
Allowance for Credit Losses / Total Loans %	2.77	2.1	1.82	1.36	1.29
Provision for Loan Losses / Net Charge-offs %	105.28	-	-	232.87	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.59	7.76	6.9	7.16	7.45
Total Average Equity / Total Average Assets %	6.59	7.76	6.9	7.16	7.47
Total Equity + Allowance for Loan Losses / Total Loans %	12.92	14.68	12.71	12.84	13.33
Gross Loans / Total Deposits %	120.86	128.6	128.34	124.82	120.11
Net Loans / Total Deposits %	117.51	125.9	126	123.12	118.56
Tier 1 Capital Ratio %	16.52	-	-	17.3	-
Total Capital Ratio %	19.59	-	-	20.33	-
Core Tier 1 Capital Ratio	14.68	-	-	15.05	-
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	56.06	-	-	61.13	-
Leverage Ratio %	-	-	-	-	-
Interbank Ratio	41.16	66.54	67.93	50.99	27.46
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.6	2.72	1.56	1.74	2.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.56	16.06	43.62	10.47	-5.26
Non Interest Income, 1 Yr. Growth %	13.42	0.29	-10.44	23.99	4.27
Provision For Loan Losses, 1 Yr. Growth %	-39.96	-23.72	7.21	-21.56	-10.48
Total Revenues, 1 Yr. Growth %	27.45	14.78	21.81	18.94	-1.3
Earnings From Cont. Operations, 1 Yr. Growth %	3.32T	23.39	84.79	51.88	9.5
Net Income, 1 Yr. Growth %	2.63T	23.46	84.58	51.88	8.41
Normalized Net Income, 1 Yr. Growth %	-588.8	44.84	68.79	36.98	8.15
Diluted EPS Before Extra, 1 Yr. Growth %	2.61T	23.73	84.94	52.25	8.8
Dividend Per Share, 1 Yr. Growth %	216.67	21.05	143.48	78.57	0
Gross Loans, 1 Yr. Growth %	-2.96	5.89	-5.63	-1.66	1.22
Allowance For Loan Losses, 1 Yr. Growth %	-24.9	-20.35	-18.09	-26.2	-4.87
Net Loans, 1 Yr. Growth %	-2.14	6.64	-5.36	-1.21	1.31
Non Performing Loans, 1 Yr. Growth %	-25.74	-	-	-	-
Non Performing Assets, 1 Yr. Growth %	-25.74	-	-	-	-
Total Assets, 1 Yr. Growth %	9.15	-5.39	6.49	-1.92	3.88
Total Deposits, 1 Yr Growth %	4.98	-0.47	-5.44	1.48	5.2
Tangible Book Value, 1 Yr. Growth %	7.95	33.8	8.67	4.4	-7.92
Common Equity, 1 Yr. Growth %	7.11	31.23	7.85	4.03	6.17
Total Equity, 1 Yr. Growth %	7.11	31.22	7.85	4.03	6.72
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.06	9.64	29.11	25.96	2.3
Non Interest Income, 2 Yr. CAGR %	-11.15	6.65	-5.72	5.38	13.7
Provision For Loan Losses, 2 Yr. CAGR %	-6.77	-32.32	-9.57	-8.3	-16.21
Total Revenues, 2 Yr. CAGR %	-5.54	20.95	17.94	20.36	8.35
Earnings From Cont. Operations, 2 Yr. CAGR %	-14.68	549.58	49.1	67.53	28.96
Net Income, 2 Yr. CAGR %	-15.5	480.08	49.06	67.43	28.32
Normalized Net Income, 2 Yr. CAGR %	-12.08	165.75	54.69	52.01	21.7
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.48	479.18	49.3	67.8	28.7
Dividend Per Share, 2 Yr. CAGR %	-	95.79	71.68	108.51	33.63
Gross Loans, 2 Yr. CAGR %	2.05	1.38	-0.04	-3.49	-0.22
Allowance For Loan Losses, 2 Yr. CAGR %	-14.35	-22.38	-19.23	-22.29	-15.82
Net Loans, 2 Yr. CAGR %	2.67	2.15	0.46	-3.13	0.04
Non Performing Loans, 2 Yr. CAGR %	-20.49	-	-	-	-
Non Performing Assets, 2 Yr. CAGR %	-20.49	-	-	-	-
Total Assets, 2 Yr. CAGR %	9.56	1.62	0.41	2.19	0.94
Total Deposits, 2 Yr CAGR %	9.24	2.22	-2.98	-2.04	3.32
Tangible Book Value, 2 Yr. CAGR %	5.91	20.18	3.72	6.53	-1.95
Common Equity, 2 Yr. CAGR %	5.07	18.56	3.54	5.93	5.09
Total Equity, 2 Yr. CAGR %	4.96	18.55	3.53	5.92	5.37
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.07	5.13	19.96	22.57	14.55
Non Interest Income, 3 Yr. CAGR %	-1.39	-7.49	0.27	3.29	5.01
Provision For Loan Losses, 3 Yr. CAGR %	-27.81	-12.8	-21.11	-13.76	-9.03
Total Revenues, 3 Yr. CAGR %	8.15	0.79	21.03	18.27	12.66
Earnings From Cont. Operations, 3 Yr. CAGR %	101.05	-3.52	323.63	50.02	45.39
Net Income, 3 Yr. CAGR %	112.35	-4.12	292.7	49.99	44.85
Normalized Net Income, 3 Yr. CAGR %	62.38	3.75	126.81	48.51	35.69
Diluted EPS Before Extra, 3 Yr. CAGR %	110.94	-4.03	292.43	50.28	45.23
Dividend Per Share, 3 Yr. CAGR %	-	-	110.55	73.95	63.21
Gross Loans, 3 Yr. CAGR %	2.04	3.32	-1.01	-0.46	-1.94
Allowance For Loan Losses, 3 Yr. CAGR %	-13.16	-16.2	-20.98	-21.65	-16.61
Net Loans, 3 Yr. CAGR %	2.65	3.98	-0.42	0.02	-1.67
Non Performing Loans, 3 Yr. CAGR %	-18.58	-	-	-	-
Non Performing Assets, 3 Yr. CAGR %	-18.58	-	-	-	-
Total Assets, 3 Yr. CAGR %	7.71	4.33	3.24	-0.38	2.75
Total Deposits, 3 Yr CAGR %	8.7	5.9	-0.4	-1.52	0.32
Tangible Book Value, 3 Yr. CAGR %	9.78	14.49	5.11	3.95	1.48
Common Equity, 3 Yr. CAGR %	8.47	13.15	4.72	3.7	6.01
Total Equity, 3 Yr. CAGR %	8.32	13.07	4.71	3.7	6.19
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.05	3.44	8.03	13.01	12.56
Non Interest Income, 5 Yr. CAGR %	7.41	1.83	-3.15	-2.75	5.44
Provision For Loan Losses, 5 Yr. CAGR %	-23.73	-18.04	-21	-11.03	-19.18
Total Revenues, 5 Yr. CAGR %	75.33	9.25	11.96	8.1	15.79
Earnings From Cont. Operations, 5 Yr. CAGR %	-20.14	-17.57	78.39	19.7	163.25
Net Income, 5 Yr. CAGR %	-19.48	-23.12	84.32	19.23	151.04
Normalized Net Income, 5 Yr. CAGR %	-16.16	34.7	59.18	20.36	76.79
Diluted EPS Before Extra, 5 Yr. CAGR %	-33.35	-17.63	83.71	19.37	151.24
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	75.54
Gross Loans, 5 Yr. CAGR %	10.44	5.51	1.21	0.54	-0.63
Allowance For Loan Losses, 5 Yr. CAGR %	-13.41	-	-15.52	-18.69	-18.97
Net Loans, 5 Yr. CAGR %	12	5.07	1.77	1.07	-0.16
Non Performing Loans, 5 Yr. CAGR %	-20.16	-	-	-22.43	-
Non Performing Assets, 5 Yr. CAGR %	-20.16	-	-	-22.43	-
Total Assets, 5 Yr. CAGR %	11.3	3.31	4.73	3.48	2.31
Total Deposits, 5 Yr CAGR %	16.02	4.97	3.87	2.65	1.07
Tangible Book Value, 5 Yr. CAGR %	15.33	8.44	7.31	4.73	2.23
Common Equity, 5 Yr. CAGR %	11.57	7.63	6.47	4.25	4.87
Total Equity, 5 Yr. CAGR %	11.37	7.51	6.38	4.2	4.97