Financial Ratios Bendigo and Adelaide Bank Limited

Equities

BEN

AU000000BEN6

Banks

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Published financial data: BENDIGO AND ADELAIDE BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Interest Income On Loans	186.73Cr	174.91Cr	340.68Cr	473.87Cr	498.89Cr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	186.73Cr	174.91Cr	340.68Cr	473.87Cr	498.89Cr
Interest On Deposits	44Cr	33Cr	176.6Cr	310.26Cr	334.1Cr
Interest Expense, Total	44Cr	33Cr	176.6Cr	310.26Cr	334.1Cr
Net Interest Income	142.25Cr	141.68Cr	164.08Cr	163.61Cr	164.79Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	25Cr	25Cr	24Cr	23Cr	25Cr
Non Interest Income, Total	25Cr	25Cr	24Cr	23Cr	25Cr
Revenues Before Provison For Loan Losses	166.77Cr	167.13Cr	187.6Cr	187.09Cr	190.05Cr
Provision For Loan Losses	1.8Cr	-2.72Cr	3.36Cr	99L	-1.47Cr
Total Revenues	164.97Cr	169.85Cr	184.24Cr	186.1Cr	191.52Cr
Salaries And Other Employee Benefits	59Cr	60Cr	65Cr	67Cr	77Cr
Occupancy Expense	12Cr	12Cr	12Cr	13Cr	14Cr
Selling General & Admin Expenses, Total	3.71Cr	3.38Cr	4.11Cr	5.34Cr	5.53Cr
Total Other Non Interest Expense	29Cr	28Cr	35Cr	37Cr	33Cr
Non Interest Expense, Total	103.37Cr	103.56Cr	116.19Cr	122.62Cr	130.16Cr
EBT, Excl. Unusual Items	62Cr	66Cr	68Cr	63Cr	61Cr
Restructuring Charges	-	-	-	-	-80L
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-54Cr
Asset Writedown	14Cr	3.85Cr	4.43Cr	16Cr	3.92Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	75Cr	70Cr	72Cr	80Cr	11Cr
Income Tax Expense	23Cr	21Cr	23Cr	25Cr	20Cr
Earnings From Continuing Operations	52Cr	49Cr	50Cr	54Cr	-9.71Cr
Net Income to Company	52Cr	49Cr	50Cr	54Cr	-9.71Cr
Net Income - (IS)	52Cr	49Cr	50Cr	54Cr	-9.71Cr
Net Income to Common Incl Extra Items	52Cr	49Cr	50Cr	54Cr	-9.71Cr
Net Income to Common Excl. Extra Items	52Cr	49Cr	50Cr	54Cr	-9.71Cr
Per Share Items
Net EPS - Basic	0.98	0.88	0.88	0.96	-0.17
Basic EPS - Continuing Operations	0.98	0.88	0.88	0.96	-0.17
Basic Weighted Average Shares Outstanding	53Cr	56Cr	57Cr	57Cr	57Cr
Net EPS - Diluted	0.83	0.78	0.79	0.87	-0.17
Diluted EPS - Continuing Operations	0.83	0.78	0.79	0.87	-0.17
Diluted Weighted Average Shares Outstanding	66Cr	65Cr	66Cr	66Cr	57Cr
Normalized Basic EPS	0.72	0.74	0.75	0.7	0.68
Normalized Diluted EPS	0.59	0.64	0.64	0.6	0.68
Dividend Per Share	0.5	0.53	0.61	0.63	0.63
Payout Ratio	20.1	43.78	58.49	64.4	-366.84
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	30.48	30.41	31.43	31.64	192.21
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	20Cr	20Cr	23Cr	19Cr	18Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	3.4Cr	1.26Cr	-37L	6.2Cr	2.18Cr
Normalized Net Income	38Cr	41Cr	43Cr	40Cr	38Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	30L	46L	70L	2.47Cr	2.71Cr
Total Stock-Based Compensation	30L	46L	70L	2.47Cr	2.71Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	552.16Cr	315.78Cr	668.39Cr	187.95Cr	107.37Cr
Investment Securities, Total	394.64Cr	1.06TCr	909.83Cr	1.15TCr	1.25TCr
Trading Asset Securities, Total	173.78Cr	9.04Cr	2.77Cr	2.28Cr	13Cr
Mortgage Backed Securities	1.36Cr	87L	33L	-	-
Total investments	569.78Cr	1.07TCr	912.93Cr	1.15TCr	1.26TCr
Gross Loans	7.23TCr	7.8TCr	7.89TCr	8.1TCr	8.61TCr
Allowance For Loan Losses	-34Cr	-28Cr	-29Cr	-29Cr	-27Cr
Other Adjustments to Gross Loans	-8.24Cr	-7.13Cr	-9.04Cr	-11Cr	-11Cr
Net Loans	7.19TCr	7.76TCr	7.85TCr	8.06TCr	8.57TCr
Net Property Plant And Equipment	21Cr	18Cr	17Cr	14Cr	13Cr
Goodwill	143.75Cr	152.75Cr	152.75Cr	152.75Cr	99Cr
Other Intangibles, Total	11Cr	28Cr	31Cr	38Cr	44Cr
Investment in Real Estate	90Cr	92Cr	96Cr	114.02Cr	110.89Cr
Accrued Interest Receivable	15Cr	15Cr	26Cr	30Cr	29Cr
Other Receivables	13Cr	15Cr	25Cr	19Cr	32Cr
Other Current Assets, Total	4.13Cr	5.41Cr	6.27Cr	6.42Cr	5.5Cr
Deferred Tax Assets Long-Term (Collected)	4.22Cr	4.86Cr	7.12Cr	1.78Cr	-
Deferred Charges Long-Term	8.74Cr	47L	83L	95L	2.25Cr
Other Long-Term Assets, Total	33Cr	47Cr	52Cr	43Cr	45Cr
Total Assets	8.66TCr	9.52TCr	9.85TCr	9.82TCr	10TCr
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	30Cr	34Cr	35Cr	51Cr	43Cr
Interest Bearing Deposits	3.63TCr	2.77TCr	3.45TCr	3.49TCr	3.58TCr
Non-Interest Bearing Deposits	3.81TCr	4.69TCr	4.28TCr	4.4TCr	4.8TCr
Total Deposits	7.44TCr	7.46TCr	7.73TCr	7.9TCr	8.38TCr
Short-Term Borrowings	22Cr	21Cr	21Cr	57Cr	89Cr
Current Portion of Long-Term Debt	8.79Cr	178.89Cr	40L	-	-
Long-Term Debt	489.3Cr	1.13TCr	1.32TCr	1.04TCr	1.07TCr
Long-Term Leases	18Cr	15Cr	12Cr	8.81Cr	7.66Cr
Current Income Taxes Payable	4.42Cr	5.06Cr	4.08Cr	-	-
Accrued Interest Payable	5.11Cr	3.13Cr	29Cr	48Cr	46Cr
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	1.13Cr
Unearned Revenue Non Current	1.64Cr	2.15Cr	3.64Cr	3.48Cr	3.21Cr
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	-	-	-	-	4.38Cr
Other Non Current Liabilities	7.85Cr	6.9Cr	6.69Cr	7.41Cr	6.37Cr
Total Liabilities	8.02TCr	8.85TCr	9.16TCr	9.12TCr	9.65TCr
Common Stock, Total	505.31Cr	522.25Cr	524.29Cr	523.32Cr	520.5Cr
Retained Earnings	127.07Cr	147.43Cr	166.25Cr	185.72Cr	142.34Cr
Comprehensive Income and Other	2.97Cr	1.51Cr	-5.47Cr	-5.64Cr	4.19Cr
Total Common Equity	635.35Cr	671.19Cr	685.07Cr	703.4Cr	667.03Cr
Total Equity	635.35Cr	671.19Cr	685.07Cr	703.4Cr	667.03Cr
Total Liabilities And Equity	8.66TCr	9.52TCr	9.85TCr	9.82TCr	10TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	55Cr	56Cr	57Cr	57Cr	56Cr
ECS Total Common Shares Outstanding	55Cr	56Cr	57Cr	57Cr	56Cr
Book Value / Share	11.65	11.92	12.11	12.44	11.83
Tangible Book Value	480.41Cr	490.36Cr	500.88Cr	512.42Cr	524.02Cr
Tangible Book Value Per Share	8.81	8.71	8.85	9.06	9.29
Tangible Book Value Per Share (As Reported)	8.81	8.71	8.85	9.06	9.29
Average Assets	-	-	-	9.18TCr	9.34TCr
Average Loans	-	-	-	7.1TCr	7.49TCr
Total Debt	538.19Cr	1.34TCr	1.35TCr	1.11TCr	1.17TCr
Deposits at Interest - Cash	173.61Cr	58Cr	175.78Cr	34Cr	237.96Cr
Net Debt	-362.26Cr	940.48Cr	483.72Cr	860.09Cr	704.86Cr
Equity Method Investments, Total	97L	1.45Cr	1.38Cr	97L	84L
Full Time Employees	4.48T	4.65T	4.73T	4.78T	4.76T
Number Of Offices	-	-	-	-	-

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	52Cr	49Cr	50Cr	54Cr	-9.71Cr
Depreciation, Depletion & Amortization	6.93Cr	5.98Cr	6.4Cr	6.49Cr	6.09Cr
Amortization of Goodwill and Intangible Assets - (CF)	30L	27L	19L	7L	6L
Total Depreciation, Depletion & Amortization	7.23Cr	6.25Cr	6.59Cr	6.56Cr	6.15Cr
Amortization of Deferred Charges, Total	2.79Cr	3.67Cr	3.69Cr	4.62Cr	5.9Cr
(Gain) Loss on Sale of Investments - (CF)	81L	-	22L	49L	-1.3Cr
Total Asset Writedown	-11Cr	2.14Cr	7.09Cr	-14Cr	52Cr
Provision for Credit Losses	2.07Cr	-2.34Cr	3.61Cr	1.34Cr	-1.27Cr
(Income) Loss On Equity Investments - (CF)	-11L	-14L	5L	19L	12L
Stock-Based Compensation (CF)	30L	46L	70L	2.47Cr	2.71Cr
Change In Income Taxes	4.42Cr	64L	-98L	-4.08Cr	-57L
Change In Deferred Taxes	4.61Cr	-64L	-2.26Cr	5.34Cr	6.16Cr
Change in Other Net Operating Assets (Collected)	-467.31Cr	-1.22TCr	229.59Cr	-816.63Cr	-375.82Cr
Other Operating Activities	-5L	-49L	-12L	-15L	-17L
Cash from Operations	-403.84Cr	-1.16TCr	297.88Cr	-759.22Cr	-315.93Cr
Capital Expenditure	-2.1Cr	-1.45Cr	-3.06Cr	-2.72Cr	-25L
Sale of Property, Plant, and Equipment	75L	29L	1L	-	-
Cash Acquisitions	-	5L	-	-	-
Divestitures	-	40L	-	-	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	1.71Cr	1.91Cr	66L	-2.96Cr	6.69Cr
Investment in Marketable and Equity Securities, Total	-	-23L	-21L	47L	4.71Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-57Cr	-	-
Cash from Investing	36L	97L	-60Cr	-5.21Cr	11Cr
Long-Term Debt Issued, Total	65Cr	12Cr	-	60Cr	-
Total Debt Issued	65Cr	12Cr	-	60Cr	-
Long-Term Debt Repaid, Total	-30Cr	-20Cr	-5.05Cr	-32Cr	-4.6Cr
Total Debt Repaid	-30Cr	-20Cr	-5.05Cr	-32Cr	-4.6Cr
Issuance of Common Stock	10Cr	6L	6L	5L	3L
Repurchase of Common Stock	-	-87L	-	-1.08Cr	-5.83Cr
Repurchase of Preferred Stock	-57Cr	-	-	-32Cr	-
Common Dividends Paid	-11Cr	-21Cr	-29Cr	-35Cr	-36Cr
Common & Preferred Stock Dividends Paid	-11Cr	-21Cr	-29Cr	-35Cr	-36Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	1.02TCr	836.68Cr	272.69Cr	167.57Cr	485.64Cr
Other Financing Activities, Total	-76L	-7L	-	-40L	-
Cash from Financing	993.76Cr	807.29Cr	238.63Cr	126.44Cr	439.62Cr
Net Change in Cash	590.28Cr	-353.41Cr	476.76Cr	-637.99Cr	134.84Cr
Supplemental Items
Cash Interest Paid	50Cr	35Cr	133.08Cr	265.27Cr	322.91Cr
Cash Income Tax Paid (Refund)	13Cr	20Cr	24Cr	25Cr	17Cr
Net Debt Issued / Repaid	35Cr	-7.14Cr	-5.05Cr	28Cr	-4.6Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.64	0.54	0.51	0.55	-0.1
Return On Equity %	8.62	7.47	7.33	7.85	-1.42
Return on Common Equity	8.62	7.47	7.33	7.85	-1.42
Shareholders Value Added	-20Cr	-29Cr	-31Cr	-29Cr	-91Cr
Margin Analysis
SG&A Margin	45.22	44.37	44.22	45.98	50.49
Net Interest Income / Total Revenues %	86.23	83.41	89.06	87.92	86.04
EBT Excl. Non-Recurring Items Margin %	37.34	39.03	36.94	34.11	32.04
Income From Continuing Operations Margin %	31.76	28.74	26.98	29.29	-5.07
Net Income Margin %	31.76	28.74	26.98	29.29	-5.07
Net Avail. For Common Margin %	31.76	28.74	26.98	29.29	-5.07
Normalized Net Income Margin	23.34	24.39	23.08	21.32	20.02
Asset quality
Nonperforming Loans / Total Loans %	0.23	0.14	0.11	0.07	0.05
Nonperforming Loans / Total Assets %	0.19	0.12	0.09	0.06	0.04
Nonperforming Assets / Total Assets %	0.23	0.16	0.1	0.07	0.07
NPAs / Loans and OREO	0.28	0.2	0.12	0.09	0.08
NPAs / Equity	3.2	2.27	1.4	1.01	1.05
Allowance for Credit Losses / Net Charge-offs %	1.83T	946	935.62	3.18T	6.07T
Allowance for Credit Losses / Nonperforming Loans %	202.98	256.6	334.07	493.96	623.6
Allowance for Credit Losses / Total Loans %	0.47	0.36	0.36	0.35	0.31
Net Charge-offs / Total Average Loans %	-	-	-	0.01	0.01
Provision for Loan Losses / Net Charge-offs %	96.77	-90.67	109.8	110	-334.09
Earning Assets / IBL	-	-	-	105.15	105.14
Interest Income / Average Assets	-	-	-	5.16	5.34
Interest Expense / Average Assets	-	-	-	3.38	3.58
Net Interest Income / Average Assets	-	-	-	1.78	1.76
Non Interest Income / Average Assets	-	-	-	0.26	0.27
Non Interest Expense / Average Asset	-	-	-	1.34	1.39
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.47	7.19	7	7.06	6.8
Total Average Equity / Total Average Assets %	7.47	7.19	7	7.06	6.8
Total Equity + Allowance for Loan Losses / Total Loans %	9.25	8.97	9.05	9.04	8.06
Gross Loans / Total Deposits %	97.29	104.53	102.06	102.5	102.68
Net Loans / Total Deposits %	96.73	104.06	101.57	102	102.22
Tier 1 Capital Ratio %	-	11.63	13.43	13.43	13.04
Total Capital Ratio %	13.81	13.6	15.63	15.74	15.23
Core Tier 1 Capital Ratio	9.57	9.68	11.25	11.32	11
Tier 2 Capital Ratio	2.2	1.97	2.2	2.31	2.19
Coverage Ratio	163.31	213.22	251.36	210.76	206.1
Interbank Ratio	1.09T	424.61	1.02T	210.27	945.93
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.69	3.11	1.41	1.26	1.03
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.65	-0.4	16.14	-0.29	0.72
Non Interest Income, 1 Yr. Growth %	-7.33	3.79	-3.72	-0.17	7.58
Provision For Loan Losses, 1 Yr. Growth %	-89.32	-251.11	-223.53	-70.54	-248.48
Total Revenues, 1 Yr. Growth %	15.37	2.96	9.39	1.01	2.91
Earnings From Cont. Operations, 1 Yr. Growth %	171.78	-6.85	1.82	9.66	-117.82
Net Income, 1 Yr. Growth %	171.78	-6.85	1.82	9.66	-117.82
Normalized Net Income, 1 Yr. Growth %	57.54	7.61	2.66	-13.36	-4.51
Diluted EPS Before Extra, 1 Yr. Growth %	135.02	-6.12	2.03	10.22	-119.71
Dividend Per Share, 1 Yr. Growth %	40.84	6	15.09	3.28	0
Gross Loans, 1 Yr. Growth %	10.61	7.77	1.2	2.61	6.33
Allowance For Loan Losses, 1 Yr. Growth %	-0.18	-16.77	0.88	-0.1	-6.68
Net Loans, 1 Yr. Growth %	10.68	7.91	1.18	2.6	6.38
Non Performing Loans, 1 Yr. Growth %	-10.21	-34.17	-22.51	-32.44	-26.08
Non Performing Assets, 1 Yr. Growth %	-28.29	-25.04	-36.88	-25.88	-2.1
Total Assets, 1 Yr. Growth %	13.9	10.01	3.4	-0.3	5.12
Total Deposits, 1 Yr Growth %	15.85	12.64	3.66	2.17	6.15
Tangible Book Value, 1 Yr. Growth %	13.48	3.85	2.15	2.3	2.26
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	2.6	1.7
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	2.54	1.7
Common Equity, 1 Yr. Growth %	9.58	5.64	2.07	2.68	-5.17
Total Equity, 1 Yr. Growth %	9.58	5.64	2.07	2.68	-5.17
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.03	3.06	7.4	7.61	0.22
Non Interest Income, 2 Yr. CAGR %	-9.58	-1.93	-2.06	-1.96	3.63
Provision For Loan Losses, 2 Yr. CAGR %	-40.18	-59.82	36.63	-39.67	-33.86
Total Revenues, 2 Yr. CAGR %	3.53	8.99	5.68	5.11	1.96
Earnings From Cont. Operations, 2 Yr. CAGR %	17.93	59.11	-2.61	5.67	-55.8
Net Income, 2 Yr. CAGR %	17.93	59.11	-2.61	5.67	-55.8
Normalized Net Income, 2 Yr. CAGR %	3.4	30.21	5.1	-2.14	-8.49
Diluted EPS Before Extra, 2 Yr. CAGR %	8.91	48.54	-2.13	6.05	-53.39
Dividend Per Share, 2 Yr. CAGR %	-15.48	22.19	10.45	9.03	1.63
Gross Loans, 2 Yr. CAGR %	7.84	9.18	4.43	1.9	4.45
Allowance For Loan Losses, 2 Yr. CAGR %	9.29	-8.85	-8.37	0.39	-3.45
Net Loans, 2 Yr. CAGR %	7.86	9.29	4.49	1.89	4.47
Non Performing Loans, 2 Yr. CAGR %	-13.03	-23.12	-28.58	-27.65	-29.33
Non Performing Assets, 2 Yr. CAGR %	-15.21	-26.68	-31.21	-31.6	-14.82
Total Assets, 2 Yr. CAGR %	9.33	11.94	6.65	1.54	2.38
Total Deposits, 2 Yr CAGR %	10.77	7.8	8.05	2.91	4.14
Tangible Book Value, 2 Yr. CAGR %	10.34	7.62	3	2.22	2.28
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	2.15
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	2.12
Common Equity, 2 Yr. CAGR %	6.22	7.59	3.84	2.37	-1.33
Total Equity, 2 Yr. CAGR %	6.22	7.59	3.84	2.37	-1.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.91	3.19	7.15	4.77	5.26
Non Interest Income, 3 Yr. CAGR %	-4.66	-5.32	-3.85	-1.43	1.12
Provision For Loan Losses, 3 Yr. CAGR %	-36.59	-18.53	-41.58	-18.07	-18.55
Total Revenues, 3 Yr. CAGR %	2.82	3.34	8.82	4.1	4.38
Earnings From Cont. Operations, 3 Yr. CAGR %	6.44	9.01	37.11	1.32	-41.62
Net Income, 3 Yr. CAGR %	6.44	9.01	37.11	1.32	-41.62
Normalized Net Income, 3 Yr. CAGR %	2.08	4.79	20.29	1.01	-2.54
Diluted EPS Before Extra, 3 Yr. CAGR %	0.58	3.65	31.06	1.82	-39.48
Dividend Per Share, 3 Yr. CAGR %	-10.61	-8.86	19.78	8.01	5.93
Gross Loans, 3 Yr. CAGR %	5.36	7.82	6.45	3.82	3.36
Allowance For Loan Losses, 3 Yr. CAGR %	26.74	-0.2	-5.72	-5.69	-2.03
Net Loans, 3 Yr. CAGR %	5.3	7.88	6.52	3.86	3.36
Non Performing Loans, 3 Yr. CAGR %	-13.65	-20.74	-22.92	-29.89	-27.13
Non Performing Assets, 3 Yr. CAGR %	-7.98	-18.62	-30.25	-29.48	-22.92
Total Assets, 3 Yr. CAGR %	6.62	9.55	9.02	4.28	2.72
Total Deposits, 3 Yr CAGR %	7.69	7.17	6.4	6.05	3.98
Tangible Book Value, 3 Yr. CAGR %	6.56	7.51	5.76	2.77	2.24
Common Equity, 3 Yr. CAGR %	4.17	6.02	5.72	3.45	-0.21
Total Equity, 3 Yr. CAGR %	4.17	6.02	5.72	3.45	-0.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.09	3.14	4.68	4.87	4.32
Non Interest Income, 5 Yr. CAGR %	-4.63	-3.85	-3.63	-4.78	-0.92
Provision For Loan Losses, 5 Yr. CAGR %	-16.41	-17.65	-13.8	-27.75	-38.6
Total Revenues, 5 Yr. CAGR %	2.89	3.19	3.96	3.87	6.02
Earnings From Cont. Operations, 5 Yr. CAGR %	4.74	2.59	2.72	7.66	-12.82
Net Income, 5 Yr. CAGR %	4.74	2.59	2.72	7.66	-12.82
Normalized Net Income, 5 Yr. CAGR %	3.16	3.4	3.28	1.96	9.43
Diluted EPS Before Extra, 5 Yr. CAGR %	0.33	-1.31	-0.51	4.6	-13.33
Dividend Per Share, 5 Yr. CAGR %	-5.96	-4.86	-2.71	-2.09	12.16
Gross Loans, 5 Yr. CAGR %	4.68	5.03	4.99	5.41	5.65
Allowance For Loan Losses, 5 Yr. CAGR %	13.8	14.82	11.32	0.04	-4.82
Net Loans, 5 Yr. CAGR %	4.67	5.01	4.97	5.44	5.69
Non Performing Loans, 5 Yr. CAGR %	-6.66	-11.31	-19.96	-23.58	-25.55
Non Performing Assets, 5 Yr. CAGR %	-3.03	-5.44	-18.09	-24.09	-24.45
Total Assets, 5 Yr. CAGR %	4.77	5.93	6.63	6.27	6.31
Total Deposits, 5 Yr CAGR %	5.44	4.7	5.37	5.44	5.49
Tangible Book Value, 5 Yr. CAGR %	6.66	5.44	4.76	5.36	4.36
Common Equity, 5 Yr. CAGR %	4.43	4.35	4.04	4.55	2.84
Total Equity, 5 Yr. CAGR %	4.43	4.35	4.04	4.55	2.84