Financial Ratios Banco BPM S.p.A.

Equities

BAMI

IT0005218380

Banks

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11/02	A Systemic Holding Company for Banca Progetto; Lombella Appointed Chairman	AN
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Published financial data: BANCO BPM S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	241.66Cr	242.52Cr	293.71Cr	655.91Cr	722.81Cr
Interest Income On Investments	4.2Cr	5.37Cr	6.08Cr	7.95Cr	9.31Cr
Interest Income, Total	245.86Cr	247.89Cr	299.79Cr	663.86Cr	732.13Cr
Interest On Deposits	46Cr	41Cr	60Cr	318.83Cr	350.97Cr
Interest Expense, Total	46Cr	41Cr	60Cr	318.83Cr	350.97Cr
Net Interest Income	199.86Cr	206.99Cr	240.23Cr	345.03Cr	381.16Cr
Income From Trading Activities	1.69Cr	7.95Cr	17Cr	8.46Cr	13Cr
Gain (Loss) on Sale of Loans	-27Cr	-15Cr	-6.09Cr	-4.26Cr	-6.14Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	26Cr	3.15Cr	-11Cr	-6.73Cr	60Cr
Total Other Non Interest Income	163.3Cr	189.13Cr	185.99Cr	167.59Cr	137.94Cr
Non Interest Income, Total	163.74Cr	185.71Cr	186.24Cr	165.06Cr	204.65Cr
Revenues Before Provison For Loan Losses	363.6Cr	392.69Cr	426.47Cr	510.09Cr	585.81Cr
Provision For Loan Losses	104.92Cr	63Cr	48Cr	52Cr	40Cr
Total Revenues	258.68Cr	329.69Cr	378.42Cr	458.56Cr	545.4Cr
Salaries And Other Employee Benefits	186.45Cr	167.74Cr	161.29Cr	164.85Cr	191.04Cr
Amort. of Goodwill & Intang. Assets	11Cr	11Cr	13Cr	-	-
Occupancy Expense	18Cr	17Cr	18Cr	28Cr	29Cr
Selling General & Admin Expenses, Total	106.42Cr	110.86Cr	115.76Cr	112.44Cr	106.32Cr
(Income) Loss on Equity Invest.	-13Cr	-21Cr	-15Cr	-4.08Cr	-10Cr
Total Other Non Interest Expense	-32Cr	-37Cr	-33Cr	-37Cr	-37Cr
Non Interest Expense, Total	277.18Cr	248.16Cr	260.67Cr	263.84Cr	278.81Cr
EBT, Excl. Unusual Items	-19Cr	82Cr	117.75Cr	194.73Cr	266.58Cr
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-2.51Cr	-	-81.32L	-	-
Asset Writedown	-2.54Cr	-14Cr	-12Cr	-15Cr	-5.52Cr
Legal Settlements	-3.64Cr	-2.51Cr	-3.53Cr	-1.8Cr	-2.31Cr
Other Unusual Items	2.26Cr	71.26L	43.57L	-36.33L	87.7L
EBT, Incl. Unusual Items	-25Cr	65Cr	102.3Cr	177.77Cr	259.62Cr
Income Tax Expense	-27Cr	8.5Cr	32Cr	51Cr	68Cr
Earnings From Continuing Operations	1.66Cr	57Cr	70Cr	126.44Cr	192.04Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	1.66Cr	57Cr	70Cr	126.44Cr	192.04Cr
Minority Interest	42.48L	3L	8L	22T	11T
Net Income - (IS)	2.09Cr	57Cr	70Cr	126.45Cr	192.04Cr
Preferred Dividend and Other Adjustments	-	-	-	40L	50L
Net Income to Common Incl Extra Items	2.09Cr	57Cr	70Cr	126.05Cr	191.54Cr
Net Income to Common Excl. Extra Items	2.09Cr	57Cr	70Cr	126.05Cr	191.54Cr
Per Share Items
Net EPS - Basic	0.01	0.38	0.47	0.84	1.27
Basic EPS - Continuing Operations	0.01	0.38	0.47	0.84	1.27
Basic Weighted Average Shares Outstanding	150.95Cr	151.08Cr	150.88Cr	150.79Cr	150.5Cr
Net EPS - Diluted	0.01	0.38	0.46	0.84	1.27
Diluted EPS - Continuing Operations	0.01	0.38	0.46	0.84	1.27
Diluted Weighted Average Shares Outstanding	150.95Cr	151.08Cr	150.88Cr	150.79Cr	150.5Cr
Normalized Basic EPS	-0.07	0.34	0.49	0.81	1.11
Normalized Diluted EPS	-0.07	0.34	0.49	0.81	1.11
Dividend Per Share	0.06	0.19	0.23	0.56	1
Payout Ratio	-	-	41.04	27.64	75.44
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	106.67	13	31.4	28.87	26.03
Total Current Taxes	-5.86Cr	-8.11Cr	4.81Cr	6.33Cr	-9.81Cr
Total Deferred Taxes	-21Cr	17Cr	27Cr	45Cr	77Cr
Normalized Net Income	-11Cr	51Cr	74Cr	121.71Cr	166.62Cr
Non-Cash Pension Expense	5L	-38T	-	33.72L	27.54L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	32.86L	77.82L	88.51L	87.13L	1.13Cr
Total Stock-Based Compensation	32.86L	77.82L	88.51L	87.13L	1.13Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	886.47Cr	2.92TCr	1.31TCr	1.83TCr	1.21TCr
Investment Securities, Total	1.91TCr	1.9TCr	2.23TCr	3.68TCr	3.92TCr
Trading Asset Securities, Total	770.43Cr	498.76Cr	625.21Cr	573.76Cr	704.42Cr
Total investments	2.68TCr	2.39TCr	2.85TCr	4.25TCr	4.63TCr
Gross Loans	13TCr	13TCr	14TCr	13TCr	13TCr
Allowance For Loan Losses	-476.56Cr	-357.47Cr	-286.75Cr	-234.88Cr	-173.17Cr
Net Loans	13TCr	13TCr	13TCr	13TCr	13TCr
Gross Property Plant And Equipment	427.48Cr	415.25Cr	417.4Cr	432.38Cr	452.85Cr
Accumulated Depreciation	-188.24Cr	-198Cr	-209.46Cr	-228.81Cr	-249.18Cr
Net Property Plant And Equipment	239.24Cr	217.25Cr	207.94Cr	203.58Cr	203.67Cr
Goodwill	5.11Cr	5.49Cr	5.67Cr	5.67Cr	5.67Cr
Other Intangibles, Total	116.75Cr	115.89Cr	123Cr	120.07Cr	119.99Cr
Investment in Real Estate	116Cr	110.58Cr	96Cr	82Cr	48Cr
Accrued Interest Receivable	5.51Cr	3.64Cr	3.25Cr	13Cr	9.01Cr
Other Receivables	141.76Cr	218.79Cr	331.09Cr	438.26Cr	491.27Cr
Restricted Cash	781.62Cr	1TCr	129.77Cr	93Cr	101.42Cr
Other Current Assets, Total	7.28Cr	23Cr	21Cr	47Cr	44Cr
Deferred Tax Assets Long-Term (Collected)	446.72Cr	429.36Cr	435.73Cr	384.98Cr	311.89Cr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	70Cr	71Cr	73Cr	88Cr	96Cr
Total Assets	18TCr	20TCr	19TCr	20TCr	20TCr
Liabilities
Accounts Payable, Total	25Cr	23Cr	20Cr	23Cr	22Cr
Accrued Expenses, Total	68Cr	62Cr	54Cr	68Cr	99Cr
Interest Bearing Deposits	265.47Cr	226.47Cr	256.45Cr	164.17Cr	271.84Cr
Non-Interest Bearing Deposits	9.9TCr	10TCr	10TCr	9.88TCr	9.92TCr
Total Deposits	10TCr	11TCr	11TCr	10TCr	10TCr
Short-Term Borrowings	881.1Cr	782.88Cr	853.68Cr	715.25Cr	675.95Cr
Current Portion of Leases	14Cr	14.05L	11Cr	11Cr	11Cr
Long-Term Debt	4.48TCr	5.49TCr	4.5TCr	4.36TCr	3.41TCr
Long-Term Leases	62Cr	67Cr	52Cr	56Cr	54Cr
Current Income Taxes Payable	56.72L	88.94L	16.1L	6.33Cr	4.17Cr
Other Current Liabilities - (Bank / Utility Template)	1.07TCr	1.29TCr	900.32Cr	2.07TCr	2.22TCr
Pension & Other Post Retirement Benefits	50Cr	45Cr	36Cr	34Cr	32Cr
Deferred Tax Liability Non-Current	46Cr	29Cr	28Cr	39Cr	43Cr
Other Non Current Liabilities	282.7Cr	274.64Cr	175.87Cr	1.39TCr	1.6TCr
Total Liabilities	17TCr	19TCr	17TCr	19TCr	18TCr
Common Stock, Total	710Cr	710Cr	710Cr	710Cr	710Cr
Retained Earnings	381.27Cr	423.93Cr	457.76Cr	545.77Cr	553.08Cr
Treasury Stock	-1.4Cr	-81.59L	-1.83Cr	-2.29Cr	-6.67Cr
Comprehensive Income and Other	132.65Cr	176.39Cr	552.47Cr	150.33Cr	203.98Cr
Total Common Equity	1.22TCr	1.31TCr	1.72TCr	1.4TCr	1.46TCr
Minority Interest	18.94L	11.08L	7L	68T	69T
Total Equity	1.22TCr	1.31TCr	1.72TCr	1.4TCr	1.46TCr
Total Liabilities And Equity	18TCr	20TCr	19TCr	20TCr	20TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	150.91Cr	151.16Cr	150.66Cr	150.73Cr	150.39Cr
ECS Total Common Shares Outstanding	150.91Cr	151.16Cr	150.9Cr	150.82Cr	150.14Cr
Book Value / Share	8.1	8.66	11.39	9.31	9.73
Tangible Book Value	1.1TCr	1.19TCr	1.59TCr	1.28TCr	1.33TCr
Tangible Book Value Per Share	7.29	7.86	10.53	8.47	8.89
Total Debt	5.44TCr	6.34TCr	5.41TCr	5.14TCr	4.15TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	-	-
Net Debt	3.34TCr	2.51TCr	3.2TCr	2.15TCr	1.9TCr
Equity Method Investments, Total	166.48Cr	179.41Cr	145.4Cr	145.42Cr	170.84Cr
Full Time Employees	17.97T	16.55T	19.16T	18.77T	16.16T
Part Time Employees	3.54T	3.41T	-	-	3.34T
Number Of Offices	1.81T	1.51T	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.09Cr	57Cr	70Cr	126.45Cr	192.04Cr
Depreciation, Depletion & Amortization	18Cr	17Cr	18Cr	15Cr	15Cr
Amortization of Goodwill and Intangible Assets - (CF)	11Cr	11Cr	3.86Cr	3.3Cr	3.24Cr
Total Depreciation, Depletion & Amortization	29Cr	28Cr	22Cr	18Cr	18Cr
Amortization of Deferred Charges, Total	-	31.15L	9.18Cr	9.8Cr	11Cr
(Gain) Loss on Sale of Investments - (CF)	-22Cr	-11Cr	-1.59Cr	-13Cr	-23Cr
Total Asset Writedown	1.38Cr	20.1L	1.52Cr	6L	7L
Provision for Credit Losses	105.07Cr	64Cr	48Cr	52Cr	40Cr
Change in Trading Asset Securities	37Cr	279.76Cr	-211.35Cr	-648.86Cr	-452.95Cr
Change in Other Net Operating Assets (Collected)	663.61Cr	1.56TCr	-1.53TCr	203.24Cr	-390.64Cr
Other Operating Activities	-35Cr	-11Cr	27Cr	841.7Cr	115.77Cr
Cash from Operations	780.2Cr	1.97TCr	-1.57TCr	589.34Cr	-488.93Cr
Capital Expenditure	-6.64Cr	-9.23Cr	-12Cr	-7.35Cr	-11Cr
Sale of Property, Plant, and Equipment	97.35L	1.77Cr	18.39L	55.18L	15.54L
Purchase / Sale of Intangible Assets	-8.65Cr	-11Cr	-20Cr	-12Cr	-14Cr
Investment in Marketable and Equity Securities, Total	-6.82Cr	3L	7.43Cr	4.06Cr	23Cr
Cash from Investing	-21Cr	-18Cr	-25Cr	-14Cr	-2.69Cr
Issuance of Common Stock	36Cr	33Cr	21Cr	-	3.79Cr
Repurchase of Common Stock	-40.8L	-	-1.6Cr	-3.01Cr	-5Cr
Common Dividends Paid	-	-	-29Cr	-35Cr	-144.87Cr
Common & Preferred Stock Dividends Paid	-	-	-29Cr	-35Cr	-144.87Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Special Dividend Paid	-	-9.05Cr	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	35Cr	24Cr	-9.63Cr	-38Cr	-146.07Cr
Net Change in Cash	794.53Cr	1.97TCr	-1.6TCr	537.1Cr	-637.7Cr
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.01	0.3	0.36	0.65	0.96
Return On Equity %	0.14	4.49	4.64	9.35	13.41
Return on Common Equity	0.17	4.49	4.64	9.32	13.37
Shareholders Value Added	-131.44Cr	-84Cr	-107.55Cr	-33Cr	23Cr
Margin Analysis
SG&A Margin	120.14	89.54	77.99	66.5	59.88
Net Interest Income / Total Revenues %	77.26	62.78	63.48	75.24	69.89
EBT Excl. Non-Recurring Items Margin %	-7.15	24.73	31.12	42.46	48.88
Income From Continuing Operations Margin %	0.64	17.25	18.55	27.57	35.21
Net Income Margin %	0.81	17.26	18.57	27.57	35.21
Net Avail. For Common Margin %	0.81	17.26	18.57	27.49	35.12
Normalized Net Income Margin	-4.31	15.47	19.47	26.54	30.55
Asset quality
Nonperforming Loans / Total Loans %	6.43	4.94	-	-	2.23
Nonperforming Loans / Total Assets %	4.67	3.18	-	-	1.43
Nonperforming Assets / Total Assets %	4.67	3.18	-	-	1.43
NPAs / Loans and OREO	6.43	4.94	-	-	2.23
NPAs / Equity	70.22	48.69	-	-	19.4
Allowance for Credit Losses / Net Charge-offs %	879.98	597.35	-	-	997.86
Allowance for Credit Losses / Nonperforming Loans %	55.5	56.06	-	-	61.13
Allowance for Credit Losses / Total Loans %	3.57	2.77	2.1	1.82	1.36
Provision for Loan Losses / Net Charge-offs %	193.74	105.28	-	-	232.87
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.87	6.59	7.76	6.9	7.16
Total Average Equity / Total Average Assets %	6.88	6.59	7.76	6.9	7.16
Total Equity + Allowance for Loan Losses / Total Loans %	12.73	12.92	14.68	12.71	12.84
Gross Loans / Total Deposits %	131.29	120.86	128.6	128.34	124.82
Net Loans / Total Deposits %	126.6	117.51	125.9	126	123.12
Tier 1 Capital Ratio %	15.85	16.52	-	-	17.3
Total Capital Ratio %	18.75	19.59	-	-	20.33
Core Tier 1 Capital Ratio	14.63	14.68	-	-	15.05
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	55.5	56.06	-	-	61.13
Leverage Ratio %	-	-	-	-	-
Interbank Ratio	67.73	41.16	66.54	67.93	50.99
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.46	2.6	2.72	1.56	1.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.33	3.56	16.06	43.62	10.47
Non Interest Income, 1 Yr. Growth %	-30.4	13.42	0.29	-10.44	23.99
Provision For Loan Losses, 1 Yr. Growth %	44.77	-39.96	-23.72	7.21	-21.56
Total Revenues, 1 Yr. Growth %	-30	27.45	14.78	21.81	18.94
Earnings From Cont. Operations, 1 Yr. Growth %	-97.87	3.32T	23.39	84.79	51.88
Net Income, 1 Yr. Growth %	-97.38	2.63T	23.46	84.58	51.88
Normalized Net Income, 1 Yr. Growth %	-116.89	-588.8	44.84	68.79	36.98
Diluted EPS Before Extra, 1 Yr. Growth %	-97.37	2.61T	23.73	84.94	52.25
Dividend Per Share, 1 Yr. Growth %	-	216.67	21.05	143.48	78.57
Gross Loans, 1 Yr. Growth %	7.78	-2.96	5.89	-5.63	-1.66
Allowance For Loan Losses, 1 Yr. Growth %	-2.19	-24.9	-20.35	-18.09	-26.2
Net Loans, 1 Yr. Growth %	8.19	-2.14	6.64	-5.36	-1.21
Non Performing Loans, 1 Yr. Growth %	-14.88	-25.74	-	-	-
Non Performing Assets, 1 Yr. Growth %	-14.88	-25.74	-	-	-
Total Assets, 1 Yr. Growth %	9.97	9.15	-5.39	6.49	-1.92
Total Deposits, 1 Yr Growth %	13.67	4.98	-0.47	-5.44	1.48
Tangible Book Value, 1 Yr. Growth %	3.92	7.95	33.8	8.67	4.4
Common Equity, 1 Yr. Growth %	3.07	7.11	31.23	7.85	4.03
Total Equity, 1 Yr. Growth %	2.86	7.11	31.22	7.85	4.03
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-7.67	0.06	9.64	29.11	25.96
Non Interest Income, 2 Yr. CAGR %	-8.06	-11.15	6.65	-5.72	5.38
Provision For Loan Losses, 2 Yr. CAGR %	-20.85	-6.77	-32.32	-9.57	-8.3
Total Revenues, 2 Yr. CAGR %	-0.38	-5.54	20.95	17.94	20.36
Earnings From Cont. Operations, 2 Yr. CAGR %	-51.25	-14.68	549.58	49.1	67.53
Net Income, 2 Yr. CAGR %	-40.73	-15.5	480.08	49.06	67.43
Normalized Net Income, 2 Yr. CAGR %	-3.28	-12.08	165.75	54.69	52.01
Diluted EPS Before Extra, 2 Yr. CAGR %	-41.16	-15.48	479.18	49.3	67.8
Dividend Per Share, 2 Yr. CAGR %	-	-	95.79	71.68	108.51
Gross Loans, 2 Yr. CAGR %	4.85	2.05	1.38	-0.04	-3.49
Allowance For Loan Losses, 2 Yr. CAGR %	-6.56	-14.35	-22.38	-19.23	-22.29
Net Loans, 2 Yr. CAGR %	5.35	2.67	2.15	0.46	-3.13
Non Performing Loans, 2 Yr. CAGR %	-14.75	-20.49	-	-	-
Non Performing Assets, 2 Yr. CAGR %	-14.75	-20.49	-	-	-
Total Assets, 2 Yr. CAGR %	6.99	9.56	1.62	0.41	2.19
Total Deposits, 2 Yr CAGR %	10.61	9.24	2.22	-2.98	-2.04
Tangible Book Value, 2 Yr. CAGR %	10.7	5.91	20.18	3.72	6.53
Common Equity, 2 Yr. CAGR %	9.16	5.07	18.56	3.54	5.93
Total Equity, 2 Yr. CAGR %	8.93	4.96	18.55	3.53	5.92
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.5	-4.07	5.13	19.96	22.57
Non Interest Income, 3 Yr. CAGR %	-1.27	-1.39	-7.49	0.27	3.29
Provision For Loan Losses, 3 Yr. CAGR %	-6.87	-27.81	-12.8	-21.11	-13.76
Total Revenues, 3 Yr. CAGR %	2.09	8.15	0.79	21.03	18.27
Earnings From Cont. Operations, 3 Yr. CAGR %	-79.19	101.05	-3.52	323.63	50.02
Net Income, 3 Yr. CAGR %	-80.02	112.35	-4.12	292.7	49.99
Normalized Net Income, 3 Yr. CAGR %	-12.47	62.38	3.75	126.81	48.51
Diluted EPS Before Extra, 3 Yr. CAGR %	-77.56	110.94	-4.03	292.43	50.28
Dividend Per Share, 3 Yr. CAGR %	-	-	-	110.55	73.95
Gross Loans, 3 Yr. CAGR %	8.51	2.04	3.32	-1.01	-0.46
Allowance For Loan Losses, 3 Yr. CAGR %	-	-13.16	-16.2	-20.98	-21.65
Net Loans, 3 Yr. CAGR %	7.21	2.65	3.98	-0.42	0.02
Non Performing Loans, 3 Yr. CAGR %	-30.37	-18.58	-	-	-
Non Performing Assets, 3 Yr. CAGR %	-30.37	-18.58	-	-	-
Total Assets, 3 Yr. CAGR %	4.45	7.71	4.33	3.24	-0.38
Total Deposits, 3 Yr CAGR %	6.85	8.7	5.9	-0.4	-1.52
Tangible Book Value, 3 Yr. CAGR %	1.25	9.78	14.49	5.11	3.95
Common Equity, 3 Yr. CAGR %	0.9	8.47	13.15	4.72	3.7
Total Equity, 3 Yr. CAGR %	0.73	8.32	13.07	4.71	3.7
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.52	9.05	3.44	8.03	13.01
Non Interest Income, 5 Yr. CAGR %	-2.3	7.41	1.83	-3.15	-2.75
Provision For Loan Losses, 5 Yr. CAGR %	3.42	-23.73	-18.04	-21	-11.03
Total Revenues, 5 Yr. CAGR %	0.24	75.33	9.25	11.96	8.1
Earnings From Cont. Operations, 5 Yr. CAGR %	-47.54	-20.14	-17.57	78.39	19.7
Net Income, 5 Yr. CAGR %	-45.39	-19.48	-23.12	84.32	19.23
Normalized Net Income, 5 Yr. CAGR %	-20.57	-16.16	34.7	59.18	20.36
Diluted EPS Before Extra, 5 Yr. CAGR %	-58.99	-33.35	-17.63	83.71	19.37
Dividend Per Share, 5 Yr. CAGR %	-16.74	-	-	-	-
Gross Loans, 5 Yr. CAGR %	10.7	10.44	5.51	1.21	0.54
Allowance For Loan Losses, 5 Yr. CAGR %	-7.18	-13.41	-	-15.52	-18.69
Net Loans, 5 Yr. CAGR %	11.9	12	5.07	1.77	1.07
Non Performing Loans, 5 Yr. CAGR %	-16.09	-20.16	-	-	-22.43
Non Performing Assets, 5 Yr. CAGR %	-16.09	-20.16	-	-	-22.43
Total Assets, 5 Yr. CAGR %	8.86	11.3	3.31	4.73	3.48
Total Deposits, 5 Yr CAGR %	17.18	16.02	4.97	3.87	2.65
Tangible Book Value, 5 Yr. CAGR %	11.28	15.33	8.44	7.31	4.73
Common Equity, 5 Yr. CAGR %	7.56	11.57	7.63	6.47	4.25
Total Equity, 5 Yr. CAGR %	7.42	11.37	7.51	6.38	4.2