Financial Ratios BNP Paribas

Equities

BNP

FR0000131104

Banks

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Published financial data: BNP PARIBAS

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	3.36TCr	2.95TCr	4.11TCr	7.95TCr	8.3TCr
Interest Income, Total	3.36TCr	2.95TCr	4.11TCr	7.95TCr	8.3TCr
Interest On Deposits	1.23TCr	1.03TCr	2.03TCr	6.05TCr	6.35TCr
Interest Expense, Total	1.23TCr	1.03TCr	2.03TCr	6.05TCr	6.35TCr
Net Interest Income	2.13TCr	1.92TCr	2.08TCr	1.91TCr	1.95TCr
Gain (Loss) on Sale of Assets	103Cr	83Cr	-25Cr	-10Cr	-19Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	28Cr	50Cr	-83Cr	-51Cr	-21Cr
Income (Loss) on Equity Invest. (Income Block)	-50L	10L	-40L	-60L	10L
Total Other Non Interest Income	2.27TCr	2.4TCr	2.76TCr	2.73TCr	2.96TCr
Non Interest Income, Total	2.4TCr	2.54TCr	2.65TCr	2.67TCr	2.92TCr
Revenues Before Provison For Loan Losses	4.53TCr	4.46TCr	4.74TCr	4.57TCr	4.87TCr
Provision For Loan Losses	571.7Cr	297.1Cr	280Cr	270.3Cr	299.9Cr
Total Revenues	3.96TCr	4.16TCr	4.46TCr	4.3TCr	4.57TCr
Salaries And Other Employee Benefits	1.61TCr	1.53TCr	1.66TCr	-	-
Stock-Based Compensation (IS)	-	-	-	-	65Cr
Occupancy Expense	243.9Cr	234.4Cr	237.6Cr	224.3Cr	235.6Cr
Selling General & Admin Expenses, Total	34Cr	60Cr	50Cr	59Cr	-
(Income) Loss on Equity Invest.	-42Cr	-49Cr	-70Cr	-59Cr	-70Cr
Total Other Non Interest Expense	1.13TCr	1.12TCr	1.22TCr	2.9TCr	2.75TCr
Non Interest Expense, Total	2.98TCr	2.9TCr	3.1TCr	3.12TCr	2.98TCr
EBT, Excl. Unusual Items	981.7Cr	1.27TCr	1.36TCr	1.18TCr	1.6TCr
Impairment of Goodwill	50L	9.1Cr	25Cr	-	24Cr
Asset Writedown	-	-	-1.8Cr	-	-3.4Cr
Legal Settlements	-	-	-	12Cr	-
Other Unusual Items	-	-	-20Cr	-20Cr	-
EBT, Incl. Unusual Items	982.2Cr	1.27TCr	1.36TCr	1.17TCr	1.62TCr
Income Tax Expense	240.7Cr	358.4Cr	371.6Cr	326.6Cr	400.1Cr
Earnings From Continuing Operations	741.5Cr	916Cr	991.1Cr	845.9Cr	1.22TCr
Earnings Of Discontinued Operations	-	72Cr	69Cr	294.7Cr	-
Net Income to Company	741.5Cr	988Cr	1.06TCr	1.14TCr	1.22TCr
Minority Interest	-35Cr	-39Cr	-40Cr	-43Cr	-50Cr
Net Income - (IS)	706.7Cr	948.8Cr	1.02TCr	1.1TCr	1.17TCr
Preferred Dividend and Other Adjustments	44Cr	44Cr	58Cr	68Cr	84Cr
Net Income to Common Incl Extra Items	662.6Cr	905.2Cr	962.1Cr	1.03TCr	1.08TCr
Net Income to Common Excl. Extra Items	662.6Cr	833.2Cr	893.5Cr	735.1Cr	1.08TCr
Per Share Items
Net EPS - Basic	5.31	7.26	7.8	8.58	9.57
Basic EPS - Continuing Operations	5.31	6.68	7.25	6.12	9.57
Basic Weighted Average Shares Outstanding	124.78Cr	124.7Cr	123.3Cr	120.04Cr	113.33Cr
Net EPS - Diluted	5.31	7.26	7.8	8.58	9.57
Diluted EPS - Continuing Operations	5.31	6.68	7.24	6.12	9.57
Diluted Weighted Average Shares Outstanding	124.78Cr	124.7Cr	123.3Cr	120.04Cr	113.33Cr
Normalized Basic EPS	4.64	6.03	6.57	5.79	8.37
Normalized Diluted EPS	4.64	6.03	6.57	5.79	8.37
Dividend Per Share	2.66	3.67	3.9	4.6	4.79
Payout Ratio	6.03	4.34	48.07	49.18	50.83
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	24.51	28.12	27.27	27.86	24.72
Total Current Taxes	239.1Cr	280.6Cr	284.4Cr	306.3Cr	301.3Cr
Total Deferred Taxes	1.6Cr	78Cr	87Cr	20Cr	99Cr
Normalized Net Income	578.76Cr	751.61Cr	809.9Cr	694.65Cr	948.91Cr
Non-Cash Pension Expense	-4.8Cr	60L	70L	-2.5Cr	-1Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	34Cr	60Cr	50Cr	59Cr	-
Stock-Based Comp., Other (Total)	-	-	-	-	65Cr
Total Stock-Based Compensation	34Cr	60Cr	50Cr	59Cr	65Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	32TCr	36TCr	33TCr	30TCr	19TCr
Investment Securities, Total	69TCr	68TCr	58TCr	65TCr	73TCr
Trading Asset Securities, Total	47TCr	44TCr	52TCr	53TCr	61TCr
Total investments	1,15100Cr	1,12100Cr	1,09700Cr	1,18000Cr	1,34300Cr
Gross Loans	84TCr	85TCr	90TCr	90TCr	94TCr
Allowance For Loan Losses	-2.15TCr	-2TCr	-1.73TCr	-1.76TCr	-1.7TCr
Other Adjustments to Gross Loans	-267.9Cr	-279.7Cr	-302.8Cr	-472Cr	-533.4Cr
Net Loans	82TCr	83TCr	88TCr	87TCr	92TCr
Gross Property Plant And Equipment	5.33TCr	5.5TCr	5.98TCr	6.64TCr	7.24TCr
Accumulated Depreciation	-2.04TCr	-2.05TCr	-2.19TCr	-2.16TCr	-2.26TCr
Net Property Plant And Equipment	3.29TCr	3.45TCr	3.79TCr	4.47TCr	4.98TCr
Goodwill	749.3Cr	512.1Cr	529.4Cr	554.9Cr	555Cr
Other Intangibles, Total	389.9Cr	365.9Cr	379Cr	414.2Cr	439.2Cr
Investment in Real Estate	719.3Cr	780.4Cr	778.6Cr	797.7Cr	757Cr
Accrued Interest Receivable	398.5Cr	461.7Cr	703Cr	540Cr	568.6Cr
Other Receivables	3.51TCr	4TCr	4.83TCr	4.83TCr	4.57TCr
Other Current Assets, Total	10TCr	23TCr	24TCr	12TCr	13TCr
Deferred Tax Assets Long-Term (Collected)	454.3Cr	400.4Cr	420.8Cr	361.4Cr	337.9Cr
Other Long-Term Assets, Total	345.6Cr	281Cr	544.1Cr	143.3Cr	135.6Cr
Total Assets	2,48800Cr	2,63400Cr	2,66600Cr	2,59100Cr	2,70500Cr
Liabilities
Accrued Expenses, Total	670.1Cr	773.9Cr	1.09TCr	826.5Cr	849.8Cr
Interest Bearing Deposits	33TCr	32TCr	42TCr	45TCr	47TCr
Non-Interest Bearing Deposits	62TCr	64TCr	60TCr	55TCr	57TCr
Total Deposits	95TCr	97TCr	1,02300Cr	1,00200Cr	1,04700Cr
Short-Term Borrowings	36TCr	31TCr	39TCr	41TCr	44TCr
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	32TCr	35TCr	30TCr	28TCr	29TCr
Long-Term Leases	359.5Cr	324.8Cr	307.5Cr	305.8Cr	284.8Cr
Current Income Taxes Payable	167.1Cr	178.7Cr	204.2Cr	272.5Cr	234.6Cr
Other Current Liabilities - (Bank / Utility Template)	38TCr	48TCr	41TCr	38TCr	39TCr
Pension & Other Post Retirement Benefits	419.3Cr	384.2Cr	324.3Cr	327.6Cr	307.2Cr
Deferred Tax Liability Non-Current	133Cr	131.6Cr	101.2Cr	109.6Cr	131.1Cr
Other Non Current Liabilities	34TCr	39TCr	40TCr	37TCr	39TCr
Total Liabilities	2,37100Cr	2,51200Cr	2,54000Cr	2,46300Cr	2,57100Cr
Common Stock, Total	249.96Cr	249.96Cr	249.96Cr	229.5Cr	246.87Cr
Additional Paid In Capital	2.46TCr	2.38TCr	2.37TCr	1.89TCr	1.77TCr
Retained Earnings	7.63TCr	8.21TCr	8.74TCr	8.11TCr	8.67TCr
Comprehensive Income and Other	945.2Cr	942.9Cr	824.7Cr	2.14TCr	2.13TCr
Total Common Equity	11TCr	12TCr	12TCr	12TCr	13TCr
Minority Interest	455Cr	462.1Cr	476.3Cr	512.5Cr	600.4Cr
Total Equity	12TCr	12TCr	13TCr	13TCr	13TCr
Total Liabilities And Equity	2,48800Cr	2,63400Cr	2,66600Cr	2,59100Cr	2,70500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	124.91Cr	123.36Cr	123.35Cr	114.65Cr	112.96Cr
ECS Total Common Shares Outstanding	124.91Cr	123.36Cr	123.35Cr	114.65Cr	112.96Cr
Book Value / Share	82.34	88.1	89.17	96.18	102.7
Tangible Book Value	10TCr	11TCr	11TCr	11TCr	12TCr
Tangible Book Value Per Share	73.22	80.98	81.81	87.73	93.9
Tangible Book Value Per Share (As Reported)	73.2	78.7	79.3	87.6	-
Total Debt	68TCr	66TCr	69TCr	69TCr	73TCr
Deposits at Interest - Cash	8.9Cr	1.47TCr	278.2Cr	9.2Cr	19Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	51Cr	4.6Cr	-19Cr	-1Cr	-16Cr
Net Debt	-34TCr	-39TCr	-34TCr	-34TCr	-29TCr
Equity Method Investments, Total	675Cr	687.7Cr	660.5Cr	684Cr	794.4Cr
Full Time Employees	2L	2L	2L	2L	2L
Assets on Operating Lease - Gross	3.04TCr	3.39TCr	3.88TCr	4.57TCr	5.13TCr
Assets on Operating Lease - Accumulated Depreciation	-820.4Cr	-928.5Cr	-1.07TCr	-1.06TCr	-1.1TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	706.7Cr	948.8Cr	1.02TCr	1.1TCr	1.17TCr
Depreciation, Depletion & Amortization	632.5Cr	678.1Cr	651.6Cr	624.5Cr	727.2Cr
Total Depreciation, Depletion & Amortization	632.5Cr	678.1Cr	651.6Cr	624.5Cr	727.2Cr
Total Asset Writedown	2.4Cr	2.2Cr	9.1Cr	-3.2Cr	2.1Cr
(Income) Loss On Equity Investments - (CF)	-42Cr	-49Cr	-70Cr	-59Cr	-70Cr
Change In Income Taxes	-258.9Cr	-235.6Cr	-199.9Cr	-335.9Cr	-313.3Cr
Change in Other Net Operating Assets (Collected)	13TCr	475.9Cr	-8.67TCr	-5.48TCr	-12TCr
Other Operating Activities	257Cr	2.33TCr	1.89TCr	362.5Cr	900.2Cr
Net Cash From Discontinued Operations	-	89Cr	82Cr	365.8Cr	-
Cash from Operations	14TCr	4.24TCr	-5.28TCr	-3.42TCr	-9.74TCr
Capital Expenditure	-77Cr	-166.4Cr	-252.9Cr	-221.6Cr	-213.6Cr
Divestitures	-	-	37Cr	952Cr	195.6Cr
Investment in Marketable and Equity Securities, Total	-7.8Cr	48Cr	-	-	-
Cash from Investing	-85Cr	-118.2Cr	-216.3Cr	730.4Cr	-18Cr
Issuance of Common Stock	161.5Cr	123.5Cr	502Cr	166.8Cr	39Cr
Repurchase of Common Stock	-34Cr	-269.1Cr	-286.2Cr	-522.1Cr	-243.9Cr
Common Dividends Paid	-	-	-452.7Cr	-474.4Cr	-519.8Cr
Preferred Dividends Paid	-43Cr	-41Cr	-37Cr	-65Cr	-74Cr
Common & Preferred Stock Dividends Paid	-43Cr	-41Cr	-490.1Cr	-539.8Cr	-594.1Cr
Other Financing Activities, Total	1.77TCr	1.64TCr	1.2TCr	427.5Cr	157.4Cr
Cash from Financing	1.85TCr	1.45TCr	925Cr	-467.6Cr	-641.8Cr
Foreign Exchange Rate Adjustments	-261.4Cr	11Cr	103Cr	-350.6Cr	-39Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	15TCr	5.58TCr	-4.47TCr	-3.51TCr	-10TCr
Supplemental Items
Cash Income Tax Paid (Refund)	258.9Cr	235.6Cr	199.9Cr	335.9Cr	313.3Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.32	0.36	0.37	0.32	0.46
Return On Equity %	6.47	7.64	7.96	6.64	9.27
Return on Common Equity	6.02	7.22	7.46	6	8.61
Shareholders Value Added	-614.81Cr	-435.31Cr	-418.47Cr	-372.37Cr	-342.47Cr
Margin Analysis
SG&A Margin	47.65	43.8	43.71	6.58	5.15
Net Interest Income / Total Revenues %	53.83	46.22	46.73	44.29	42.69
EBT Excl. Non-Recurring Items Margin %	24.8	30.4	30.51	27.43	34.94
Income From Continuing Operations Margin %	18.73	22.01	22.23	19.66	26.65
Net Income Margin %	17.85	22.79	22.87	25.51	25.55
Net Avail. For Common Margin %	16.74	20.02	20.04	17.08	23.71
Normalized Net Income Margin	14.62	18.06	18.17	16.14	20.75
Asset quality
Nonperforming Loans / Total Loans %	3.57	3.28	2.82	2.82	2.74
Nonperforming Loans / Total Assets %	1.21	1.06	0.95	0.98	0.95
Nonperforming Assets / Total Assets %	1.21	1.06	0.95	0.98	0.95
NPAs / Loans and OREO	3.57	3.28	2.82	2.82	2.74
NPAs / Equity	25.63	22.71	19.97	19.64	19.25
Allowance for Credit Losses / Net Charge-offs %	574.56	471.58	386.37	492.62	432.5
Allowance for Credit Losses / Nonperforming Loans %	71.65	71.99	68.44	69.59	65.8
Allowance for Credit Losses / Total Loans %	2.56	2.36	1.93	1.96	1.8
Provision for Loan Losses / Net Charge-offs %	152.45	69.96	62.54	75.61	76.33
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.73	4.5	4.52	4.66	4.76
Total Average Equity / Total Average Assets %	4.93	4.68	4.7	4.85	4.97
Total Equity + Allowance for Loan Losses / Total Loans %	15.94	16.26	15.5	15.76	15.38
Gross Loans / Total Deposits %	88.69	87.66	87.67	89.48	90.14
Net Loans / Total Deposits %	86.14	85.3	85.68	87.25	88.01
Tier 1 Capital Ratio %	14.2	14.05	13.89	15.28	14.93
Total Capital Ratio %	16.4	16.43	16.19	17.3	17.13
Core Tier 1 Capital Ratio	12.8	12.89	12.33	13.2	12.87
Tier 2 Capital Ratio	2.16	2.38	2.3	2.02	2.21
Coverage Ratio	71.65	71.99	68.44	69.59	65.8
Interbank Ratio	175.15	158.55	166.11	25.57	46.58
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.8	2.24	1.67	1.19	1.25
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.88	-0.25	8.28	-8.96	2.45
Non Interest Income, 1 Yr. Growth %	-4.18	7.8	4.69	9.59	9.52
Provision For Loan Losses, 1 Yr. Growth %	78.49	-44.93	-5.76	-3.43	3.16
Total Revenues, 1 Yr. Growth %	-7.86	11.26	7.09	1.31	6.8
Earnings From Cont. Operations, 1 Yr. Growth %	-13.61	30.19	8.2	-11.53	44.07
Net Income, 1 Yr. Growth %	-13.53	34.26	7.46	11.44	6.5
Normalized Net Income, 1 Yr. Growth %	-19.87	37.04	7.68	-11.29	38.92
Diluted EPS Before Extra, 1 Yr. Growth %	-14.44	33.43	8.38	-12.07	56.33
Dividend Per Share, 1 Yr. Growth %	-	37.97	6.27	17.95	4.13
Gross Loans, 1 Yr. Growth %	0.26	0.6	5.94	-0.15	5.2
Allowance For Loan Losses, 1 Yr. Growth %	1.26	-7.05	-8.52	-4.19	-3.51
Net Loans, 1 Yr. Growth %	0.19	0.79	6.26	-0.25	5.33
Non Performing Loans, 1 Yr. Growth %	0.95	-7.49	-9.14	0.13	2.04
Non Performing Assets, 1 Yr. Growth %	0.95	-7.49	-9.14	0.13	2.04
Total Assets, 1 Yr. Growth %	14.96	5.87	1.21	-2.71	4.38
Total Deposits, 1 Yr Growth %	12.41	1.79	5.78	-2.16	4.43
Tangible Book Value, 1 Yr. Growth %	5.87	7.59	3.3	1.69	3.63
Common Equity, 1 Yr. Growth %	4.98	4.51	3.31	2.07	3.55
Total Equity, 1 Yr. Growth %	4.92	4.4	3.3	2.27	4.09
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.59	-4.58	3.93	-0.47	-3.42
Non Interest Income, 2 Yr. CAGR %	4.88	0.64	6.23	2.56	9.56
Provision For Loan Losses, 2 Yr. CAGR %	43.82	-3.69	-27.96	-4.62	3.51
Total Revenues, 2 Yr. CAGR %	-0.65	-1.57	9.15	1.67	3.77
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.76	3.31	18.68	-3.9	12.9
Net Income, 2 Yr. CAGR %	-3.1	7.74	20.12	7.55	8.94
Normalized Net Income, 2 Yr. CAGR %	-0.7	2.01	21.52	-3.9	10.08
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.73	3.75	20.26	-4.28	17.25
Dividend Per Share, 2 Yr. CAGR %	-6.15	-	21.09	11.96	10.82
Gross Loans, 2 Yr. CAGR %	2.5	0.43	3.16	2.91	2.49
Allowance For Loan Losses, 2 Yr. CAGR %	-5.7	-2.98	-10.4	-3.49	-3.85
Net Loans, 2 Yr. CAGR %	2.74	0.49	3.49	2.95	2.5
Non Performing Loans, 2 Yr. CAGR %	-5.9	-3.36	-8.32	-4.62	1.08
Non Performing Assets, 2 Yr. CAGR %	-5.9	-3.36	-8.32	-4.62	1.08
Total Assets, 2 Yr. CAGR %	10.42	10.32	3.51	-0.82	0.77
Total Deposits, 2 Yr CAGR %	8.47	6.97	3.76	1.79	1.08
Tangible Book Value, 2 Yr. CAGR %	6.62	6.73	5.42	2.24	2.66
Common Equity, 2 Yr. CAGR %	5.44	4.74	3.91	2.45	2.81
Total Equity, 2 Yr. CAGR %	5.35	4.66	3.85	2.56	3.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.19	-2.97	-0.47	-0.4	0.49
Non Interest Income, 3 Yr. CAGR %	2.23	5.15	1.97	4.28	4.83
Provision For Loan Losses, 3 Yr. CAGR %	25.29	2.44	-4.38	-20.58	0.31
Total Revenues, 3 Yr. CAGR %	-0.95	1.24	1.24	4.77	3.19
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.33	4.6	4.91	6.33	9.99
Net Income, 3 Yr. CAGR %	-3.07	8.03	7.65	15.8	7.2
Normalized Net Income, 3 Yr. CAGR %	-5	8.59	3.89	8.2	8.06
Diluted EPS Before Extra, 3 Yr. CAGR %	-4.24	5.25	5.27	6.92	12.72
Dividend Per Share, 3 Yr. CAGR %	-4.14	6.71	-	20.03	9.28
Gross Loans, 3 Yr. CAGR %	2.88	1.86	2.19	2.09	3.67
Allowance For Loan Losses, 3 Yr. CAGR %	-7.87	-6.15	-6.67	-6.5	-3.5
Net Loans, 3 Yr. CAGR %	3.3	2.09	2.38	2.22	3.74
Non Performing Loans, 3 Yr. CAGR %	-7.02	-6.43	-5.33	-5.59	-2.45
Non Performing Assets, 3 Yr. CAGR %	-7.02	-6.43	-5.33	-5.59	-2.45
Total Assets, 3 Yr. CAGR %	8.47	8.88	7.19	1.36	0.88
Total Deposits, 3 Yr CAGR %	7.3	6.19	6.57	1.79	2.66
Tangible Book Value, 3 Yr. CAGR %	5.43	6.95	5.57	3.99	2.7
Common Equity, 3 Yr. CAGR %	4.3	5.13	4.26	3.13	2.82
Total Equity, 3 Yr. CAGR %	3.92	5.03	4.2	3.17	3.07
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-1.13	-2.98	-0.34	-1.98	-1.57
Non Interest Income, 5 Yr. CAGR %	2.33	3.82	3.4	4.11	3.13
Provision For Loan Losses, 5 Yr. CAGR %	8.53	-1.85	-0.75	-0.45	-1.31
Total Revenues, 5 Yr. CAGR %	-0.28	0.73	1.82	1.41	1.26
Earnings From Cont. Operations, 5 Yr. CAGR %	1.03	2.45	3.85	1.11	7.26
Net Income, 5 Yr. CAGR %	1.09	4.26	5.61	7.84	7.42
Normalized Net Income, 5 Yr. CAGR %	-3.22	2.33	3.71	3.43	5.61
Diluted EPS Before Extra, 5 Yr. CAGR %	0.69	2.17	3.67	1.33	9.04
Dividend Per Share, 5 Yr. CAGR %	2.86	6.33	5.25	8.78	-
Gross Loans, 5 Yr. CAGR %	2.72	1.79	3	2.25	2.33
Allowance For Loan Losses, 5 Yr. CAGR %	-4.01	-5.96	-8.89	-6.18	-4.4
Net Loans, 5 Yr. CAGR %	2.98	2.05	3.38	2.43	2.43
Non Performing Loans, 5 Yr. CAGR %	-6.13	-7.81	-7.54	-5.71	-2.82
Non Performing Assets, 5 Yr. CAGR %	-6.13	-7.81	-7.54	-5.71	-2.82
Total Assets, 5 Yr. CAGR %	4.53	4.87	6.46	4.89	4.56
Total Deposits, 5 Yr CAGR %	6.2	4.55	5.87	4.41	4.36
Tangible Book Value, 5 Yr. CAGR %	4.13	4.58	5.43	5.04	4.29
Common Equity, 5 Yr. CAGR %	3.22	3.21	4.14	4.05	3.58
Total Equity, 5 Yr. CAGR %	3.24	3.09	3.89	4.04	3.7