Cash flow China Construction Bank Corporation

Stocks

939 CNE1000002H1

Banks

Market Closed - Hong Kong S.E. Other stock markets 01:38:41 13/07/2026 pm IST			5-day change	1st Jan Change
8.220 ^HKD	+1.11%		+4.71%	+6.89%

10/07	Shanghai Electric Power Issues Super Short-Term Commercial Paper Worth 2.50 Billion Yuan	MT
09/07	Jushi Issues 500 Million Yuan Super Short-Term Commercial Paper	MT

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Published financial data: CHINA CONSTRUCTION BANK CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,05700Cr	1,17000Cr	1,24700Cr	1,24200Cr	1,15300Cr
Interest Income On Investments	-	-	571.2Cr	657.6Cr	596.9Cr
Interest Income, Total	1,05700Cr	1,17000Cr	1,25300Cr	1,24800Cr	1,15900Cr
Interest On Deposits	45TCr	53TCr	63TCr	65TCr	58TCr
Interest Expense, Total	45TCr	53TCr	63TCr	65TCr	58TCr
Net Interest Income	61TCr	64TCr	62TCr	60TCr	58TCr
Income From Trading Activities	-	-	568.5Cr	473.9Cr	393.3Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	72Cr	1.49TCr	3.47TCr
Income (Loss) on Equity Invest. (Income Block)	160.3Cr	119.4Cr	-	-	-
Total Other Non Interest Income	22TCr	18TCr	13TCr	11TCr	12TCr
Non Interest Income, Total	22TCr	18TCr	14TCr	13TCr	16TCr
Revenues Before Provison For Loan Losses	82TCr	82TCr	76TCr	73TCr	74TCr
Provision For Loan Losses	17TCr	15TCr	14TCr	12TCr	13TCr
Total Revenues	66TCr	67TCr	62TCr	61TCr	61TCr
Salaries And Other Employee Benefits	-	-	13TCr	13TCr	14TCr
Amort. of Goodwill & Intang. Assets	-	-	349.5Cr	338.5Cr	315Cr
Occupancy Expense	-	-	3.24TCr	3.2TCr	3.06TCr
Selling General & Admin Expenses, Total	21TCr	21TCr	4.77TCr	4.63TCr	4.77TCr
(Income) Loss on Equity Invest.	-	-	-115.1Cr	-58Cr	-34Cr
Total Other Non Interest Expense	6.77TCr	7.28TCr	893.9Cr	855.7Cr	917.6Cr
Non Operating (Income) Expenses	36Cr	-7.4Cr	-	-	-
Non Interest Expense, Total	28TCr	29TCr	22TCr	22TCr	23TCr
EBT, Excl. Unusual Items	38TCr	38TCr	40TCr	38TCr	38TCr
Restructuring Charges	-	-50L	-50L	-	-
Impairment of Goodwill	-	-	-	-40L	-40L
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-1.35TCr	-	-
EBT, Incl. Unusual Items	38TCr	38TCr	39TCr	38TCr	38TCr
Income Tax Expense	7.45TCr	5.89TCr	5.69TCr	4.81TCr	4.08TCr
Earnings From Continuing Operations	30TCr	32TCr	33TCr	34TCr	34TCr
Net Income to Company	30TCr	32TCr	33TCr	34TCr	34TCr
Minority Interest	-141.5Cr	70Cr	19Cr	-70Cr	-88Cr
Net Income - (IS)	30TCr	32TCr	33TCr	34TCr	34TCr
Preferred Dividend and Other Adjustments	453.8Cr	453.8Cr	511Cr	710.8Cr	542Cr
Net Income to Common Incl Extra Items	30TCr	32TCr	33TCr	33TCr	33TCr
Net Income to Common Excl. Extra Items	30TCr	32TCr	33TCr	33TCr	33TCr
Per Share Items
Net EPS - Basic	1.19	1.28	1.31	1.31	1.3
Basic EPS - Continuing Operations	1.19	1.28	1.31	1.31	1.3
Basic Weighted Average Shares Outstanding	25TCr	25TCr	25TCr	25TCr	26TCr
Net EPS - Diluted	1.19	1.28	1.31	1.31	1.3
Diluted EPS - Continuing Operations	1.19	1.28	1.31	1.31	1.3
Diluted Weighted Average Shares Outstanding	25TCr	25TCr	25TCr	25TCr	26TCr
Normalized Basic EPS	0.94	0.96	1.01	0.96	0.93
Normalized Diluted EPS	0.94	0.96	1.01	0.96	0.93
Dividend Per Share	0.36	0.39	0.4	0.4	0.39
Payout Ratio	28.55	29.6	30.83	31.92	31.85
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	19.68	15.41	14.62	12.51	10.73
Total Current Taxes	7.92TCr	7.74TCr	6.64TCr	5.34TCr	4.85TCr
Total Deferred Taxes	-403.5Cr	-1.81TCr	-907.8Cr	-534.4Cr	-769.8Cr
Normalized Net Income	24TCr	24TCr	25TCr	24TCr	24TCr
Non-Cash Pension Expense	-3Cr	-2.3Cr	-1.9Cr	-1.4Cr	-90L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	81TCr	1,14400Cr	93TCr	57TCr	1,06200Cr
Investment Securities, Total	8,12600Cr	9,51400Cr	10,55300Cr	11,25100Cr	13,54500Cr
Trading Asset Securities, Total	16TCr	19TCr	17TCr	24TCr	37TCr
Total investments	8,28300Cr	9,70500Cr	10,72600Cr	11,49300Cr	13,91600Cr
Gross Loans	18,83700Cr	21,39500Cr	24,27500Cr	26,33100Cr	28,38500Cr
Allowance For Loan Losses	-64TCr	-70TCr	-78TCr	-80TCr	-85TCr
Net Loans	18,19900Cr	20,69000Cr	23,49600Cr	25,52700Cr	27,53900Cr
Gross Property Plant And Equipment	35TCr	37TCr	37TCr	37TCr	38TCr
Accumulated Depreciation	-16TCr	-17TCr	-17TCr	-18TCr	-18TCr
Net Property Plant And Equipment	19TCr	19TCr	20TCr	20TCr	20TCr
Goodwill	214.1Cr	225.6Cr	245.6Cr	252.2Cr	241.6Cr
Other Intangibles, Total	1.95TCr	1.97TCr	1.95TCr	1.82TCr	1.72TCr
Investment in Real Estate	-	-	-	1.38TCr	1.24TCr
Accrued Interest Receivable	7.15TCr	7.81TCr	8.23TCr	8.11TCr	8.8TCr
Other Receivables	2.37TCr	2.07TCr	2.26TCr	2.05TCr	1.44TCr
Restricted Cash	2,16000Cr	2,30500Cr	2,42600Cr	2,20700Cr	2,21800Cr
Other Current Assets, Total	12TCr	12TCr	8.87TCr	14TCr	19TCr
Deferred Tax Assets Long-Term (Collected)	9.23TCr	11TCr	12TCr	12TCr	14TCr
Other Real Estate Owned And Foreclosed	67Cr	55Cr	39Cr	25Cr	17Cr
Deferred Charges Long-Term	408.9Cr	548.8Cr	177.3Cr	159.8Cr	143.8Cr
Other Long-Term Assets, Total	28TCr	20TCr	22TCr	18TCr	23TCr
Total Assets	30,25400Cr	34,60200Cr	38,32500Cr	40,57100Cr	45,63200Cr
Liabilities
Accrued Expenses, Total	5.82TCr	6.89TCr	7.2TCr	8.06TCr	8.61TCr
Interest Bearing Deposits	23,95900Cr	27,20100Cr	30,00700Cr	31,05300Cr	34,64700Cr
Total Deposits	23,95900Cr	27,20100Cr	30,00700Cr	31,05300Cr	34,64700Cr
Short-Term Borrowings	3.13TCr	4.67TCr	4.19TCr	9.4TCr	8.98TCr
Current Portion of Long-Term Debt	1,55800Cr	2,14100Cr	2,70700Cr	3,34000Cr	4,32400Cr
Current Portion of Leases	895Cr	683.7Cr	670.5Cr	665.7Cr	633.8Cr
Long-Term Debt	78TCr	88TCr	99TCr	1,20900Cr	1,35600Cr
Long-Term Leases	1.48TCr	1.69TCr	1.75TCr	1.73TCr	1.56TCr
Current Income Taxes Payable	7.31TCr	7.11TCr	6.1TCr	2.83TCr	1.34TCr
Accrued Interest Payable	36TCr	41TCr	45TCr	51TCr	49TCr
Other Current Liabilities - (Bank / Utility Template)	30TCr	37TCr	31TCr	45TCr	48TCr
Unearned Revenue Non Current	2.36TCr	2.2TCr	1.71TCr	1.56TCr	1.49TCr
Pension & Other Post Retirement Benefits	155.5Cr	165.7Cr	168.2Cr	146.4Cr	119.9Cr
Deferred Tax Liability Non-Current	139.5Cr	88Cr	172.4Cr	152.5Cr	257.6Cr
Other Non Current Liabilities	47TCr	49TCr	47TCr	42TCr	42TCr
Total Liabilities	27,64000Cr	31,72300Cr	35,15300Cr	37,22700Cr	41,94600Cr
Preferred Stock Convertible	6TCr	6TCr	6TCr	6TCr	6TCr
Preferred Stock - Others	-2.3Cr	-2.3Cr	-2.3Cr	-2.3Cr	-2.3Cr
Total Preferred Equity	6TCr	6TCr	6TCr	6TCr	6TCr
Common Stock, Total	25TCr	25TCr	25TCr	25TCr	26TCr
Additional Paid In Capital	13TCr	14TCr	14TCr	14TCr	-
Retained Earnings	2,08200Cr	2,31000Cr	2,54100Cr	2,71900Cr	2,95200Cr
Comprehensive Income and Other	6.13TCr	10TCr	16TCr	16TCr	39TCr
Total Common Equity	2,52800Cr	2,79700Cr	3,09000Cr	3,26200Cr	3,60300Cr
Minority Interest	2.59TCr	2.2TCr	2.19TCr	2.18TCr	2.27TCr
Total Equity	2,61400Cr	2,87900Cr	3,17200Cr	3,34400Cr	3,68600Cr
Total Liabilities And Equity	30,25400Cr	34,60200Cr	38,32500Cr	40,57100Cr	45,63200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	25TCr	25TCr	25TCr	25TCr	26TCr
ECS Total Common Shares Outstanding	25TCr	25TCr	25TCr	25TCr	26TCr
Book Value / Share	9.95	10.87	11.8	12.65	13.24
Tangible Book Value	2,50700Cr	2,77500Cr	3,06800Cr	3,24100Cr	3,58400Cr
Tangible Book Value Per Share	9.87	10.78	11.71	12.56	13.16
Average Assets	29,61400Cr	33,11600Cr	37,19400Cr	40,18000Cr	44,03600Cr
Average Loans	18,02800Cr	20,27000Cr	22,99600Cr	25,22800Cr	27,16400Cr
Total Debt	2,39700Cr	3,08700Cr	3,76000Cr	4,66700Cr	5,79300Cr
Deposits at Interest - Cash	69TCr	1,03400Cr	81TCr	42TCr	92TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-86Cr	-61Cr	-57Cr	-50Cr	-78Cr
Net Debt	82TCr	63TCr	1,61300Cr	3,15300Cr	3,38700Cr
Equity Method Investments, Total	1.89TCr	2.27TCr	2.1TCr	2.36TCr	2.78TCr
Full Time Employees	4L	4L	4L	4L	4L
Number Of Offices	14.51T	14.36T	14.9T	14.75T	14.61T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	30TCr	32TCr	33TCr	34TCr	34TCr
Depreciation, Depletion & Amortization	2.48TCr	2.28TCr	2.63TCr	2.75TCr	2.67TCr
Amortization of Goodwill and Intangible Assets - (CF)	64Cr	62Cr	58Cr	55Cr	53Cr
Total Depreciation, Depletion & Amortization	2.54TCr	2.34TCr	2.69TCr	2.8TCr	2.72TCr
Amortization of Deferred Charges, Total	188.3Cr	198Cr	218.6Cr	221.3Cr	207.4Cr
(Gain) Loss On Sale of Asset - (CF)	-25Cr	-25Cr	-30Cr	-49Cr	-68Cr
(Gain) Loss on Sale of Investments - (CF)	-655.1Cr	1.24TCr	361.5Cr	-142.1Cr	416.7Cr
Total Asset Writedown	77Cr	48Cr	46Cr	30Cr	4.2Cr
Provision for Credit Losses	17TCr	15TCr	14TCr	12TCr	14TCr
(Income) Loss On Equity Investments - (CF)	-160.3Cr	-119.4Cr	-115.1Cr	-58Cr	-34Cr
Change in Trading Asset Securities	-	-	1.3TCr	-403.7Cr	-19TCr
Change In Income Taxes	-	-	-7.7TCr	-8.48TCr	-6.28TCr
Change In Deferred Taxes	-403.5Cr	-1.81TCr	-	-	-
Change in Other Net Operating Assets (Collected)	18TCr	71TCr	-2,57400Cr	-1,13500Cr	-1,60300Cr
Other Operating Activities	-23TCr	-23TCr	-21TCr	-25TCr	-25TCr
Cash from Operations	44TCr	98TCr	-2,34400Cr	-99TCr	-1,59300Cr
Capital Expenditure	-2.12TCr	-2.38TCr	-2.51TCr	-2.92TCr	-2.36TCr
Sale of Property, Plant, and Equipment	295.3Cr	374.3Cr	431.2Cr	554.7Cr	402.9Cr
Cash Acquisitions	-	-	-112.8Cr	-	-
Divestitures	-	-	-	35Cr	-
Investment in Marketable and Equity Securities, Total	-74TCr	-88TCr	-1,06700Cr	-97TCr	-2,07000Cr
Other Investing Activities, Total	24TCr	25TCr	27TCr	30TCr	32TCr
Cash from Investing	-52TCr	-65TCr	-82TCr	-69TCr	-1,76500Cr
Long-Term Debt Issued, Total	21TCr	15TCr	15TCr	27TCr	28TCr
Total Debt Issued	21TCr	15TCr	15TCr	27TCr	28TCr
Long-Term Debt Repaid, Total	-8.19TCr	-6.24TCr	-12TCr	-9.65TCr	-12TCr
Total Debt Repaid	-8.19TCr	-6.24TCr	-12TCr	-9.65TCr	-12TCr
Issuance of Common Stock	-	4TCr	6TCr	-	14TCr
Repurchase of Common Stock	-	-	-	-4TCr	-
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-10TCr	-11TCr
Preferred Dividends Paid	-	-	-	-214.2Cr	-214.2Cr
Common & Preferred Stock Dividends Paid	-8.64TCr	-9.59TCr	-10TCr	-	-
Common & Preferred Stock Dividends Paid	-8.64TCr	-9.59TCr	-10TCr	-11TCr	-11TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	2,98600Cr	1,32600Cr	3,69400Cr
Other Financing Activities, Total	-2.63TCr	-3.37TCr	-3.06TCr	-3.67TCr	-3.85TCr
Cash from Financing	1.61TCr	-642.5Cr	2,93900Cr	1,31900Cr	3,85800Cr
Foreign Exchange Rate Adjustments	-762.4Cr	1.77TCr	754.2Cr	579.2Cr	-781Cr
Net Change in Cash	-7.33TCr	34TCr	-22TCr	-36TCr	49TCr
Supplemental Items
Cash Interest Paid	50TCr	49TCr	59TCr	60TCr	59TCr
Cash Income Tax Paid (Refund)	13TCr	14TCr	7.7TCr	8.48TCr	6.28TCr
Net Debt Issued / Repaid	13TCr	8.31TCr	2.59TCr	18TCr	17TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.04	1	0.91	0.85	0.79
Return On Equity %	12.15	11.77	10.99	10.32	9.67
Return on Common Equity	12.33	11.99	11.13	10.34	9.71
Shareholders Value Added	1.32TCr	498.55Cr	-1.99TCr	-4.5TCr	-7.25TCr
Margin Analysis
SG&A Margin	31.49	31.47	33.45	34.9	35.38
Net Interest Income / Total Revenues %	92.25	96.28	100.1	98.12	95.26
EBT Excl. Non-Recurring Items Margin %	57.66	57.19	64.74	63.23	62.65
Income From Continuing Operations Margin %	46.31	48.38	53.42	55.32	55.93
Net Income Margin %	46.09	48.49	53.45	55.21	55.78
Net Avail. For Common Margin %	45.4	47.81	52.63	54.04	54.89
Normalized Net Income Margin	35.82	35.85	40.49	39.41	39.01
Asset quality
Nonperforming Loans / Total Loans %	1.41	1.37	1.34	1.31	1.28
Nonperforming Loans / Total Assets %	0.88	0.85	0.85	0.85	0.8
Nonperforming Assets / Total Assets %	0.88	0.85	0.85	0.85	0.8
NPAs / Loans and OREO	1.42	1.37	1.34	1.31	1.28
NPAs / Equity	10.2	10.19	10.27	10.32	9.88
Allowance for Credit Losses / Net Charge-offs %	1.38T	1.96T	2.09T	2.06T	3.74T
Allowance for Credit Losses / Nonperforming Loans %	239.69	240.73	239.56	233.06	232.51
Allowance for Credit Losses / Total Loans %	3.39	3.29	3.21	3.05	2.98
Net Charge-offs / Total Average Loans %	0.26	0.18	0.16	0.15	0.08
Provision for Loan Losses / Net Charge-offs %	363.22	430.4	367.32	309.75	589.17
Earning Assets / IBL	111.68	111.68	111.76	111.19	110.59
Interest Income / Average Assets	3.57	3.53	3.37	3.11	2.63
Interest Expense / Average Assets	1.53	1.59	1.69	1.62	1.32
Net Interest Income / Average Assets	2.04	1.94	1.67	1.48	1.31
Non Interest Income / Average Assets	0.74	0.54	0.37	0.33	0.37
Non Interest Expense / Average Asset	0.94	0.86	0.59	0.56	0.52
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.28	8.21	8.07	8.05	7.96
Total Average Equity / Total Average Assets %	8.57	8.47	8.29	8.26	8.16
Total Equity + Allowance for Loan Losses / Total Loans %	17.13	16.65	16.19	15.67	15.89
Gross Loans / Total Deposits %	78.62	78.66	80.9	84.79	81.93
Net Loans / Total Deposits %	75.96	76.06	78.3	82.21	79.48
Tier 1 Capital Ratio %	14.14	14.4	14.04	15.21	15.47
Total Capital Ratio %	17.85	18.42	17.95	19.69	19.69
Core Tier 1 Capital Ratio	13.59	13.69	13.15	14.48	14.63
Tier 2 Capital Ratio	3.72	4.02	3.91	4.48	4.22
Coverage Ratio	239.69	240.73	239.56	233.06	232.51
Interbank Ratio	39.38	52.09	52.02	35.02	26.71
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.84	1.73	1.62	1.59	1.66
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	5.12	6.22	-4.13	-4.25	-2.97
Non Interest Income, 1 Yr. Growth %	21.6	-18.01	13.35	7.7	22.72
Provision For Loan Losses, 1 Yr. Growth %	-13.2	-7.98	-11.49	-11.75	10.45
Total Revenues, 1 Yr. Growth %	16.7	1.77	1.13	-0.16	-0.05
Earnings From Cont. Operations, 1 Yr. Growth %	11.09	6.33	2.34	1.15	1.04
Net Income, 1 Yr. Growth %	11.61	7.06	2.44	0.88	0.99
Normalized Net Income, 1 Yr. Growth %	13.1	1.86	1.84	-1.65	-1.05
Diluted EPS Before Extra, 1 Yr. Growth %	12.26	7.33	2.34	0	-0.76
Dividend Per Share, 1 Yr. Growth %	11.66	6.87	2.83	0.75	-3.55
Gross Loans, 1 Yr. Growth %	11.42	13.58	13.05	8.47	7.8
Allowance For Loan Losses, 1 Yr. Growth %	14.63	10.53	10.52	3.1	5.35
Net Loans, 1 Yr. Growth %	11.31	13.69	13.13	8.65	7.88
Non Performing Loans, 1 Yr. Growth %	2.05	10.06	11.08	5.98	5.6
Non Performing Assets, 1 Yr. Growth %	1.99	9.99	11	5.93	5.57
Total Assets, 1 Yr. Growth %	7.54	14.37	10.76	5.86	12.47
Total Deposits, 1 Yr Growth %	7.52	13.53	10.32	3.49	11.57
Tangible Book Value, 1 Yr. Growth %	9.78	10.7	10.63	5.64	10.57
Average Interest Earning Assets, 1 Yr. Growth %	8.42	11.91	13.11	8	9.38
Average Interest Bearing Liabilities, 1 Yr. Growth %	6.86	11.91	13.45	8.55	9.97
Common Equity, 1 Yr. Growth %	9.69	10.62	10.54	5.57	10.46
Total Equity, 1 Yr. Growth %	9.41	10.12	10.29	5.42	10.23
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.17	5.67	1.44	-4.19	-3.61
Non Interest Income, 2 Yr. CAGR %	13.94	-0.15	-21.12	4.87	14.96
Provision For Loan Losses, 2 Yr. CAGR %	1.51	-10.63	-9.76	-11.62	-1.27
Total Revenues, 2 Yr. CAGR %	9.98	8.98	-2.62	-0.61	-0.11
Earnings From Cont. Operations, 2 Yr. CAGR %	6.25	8.69	4.59	1.74	1.1
Net Income, 2 Yr. CAGR %	6.5	9.31	4.86	1.66	0.94
Normalized Net Income, 2 Yr. CAGR %	7.83	7.33	3.53	-1.61	-1.35
Diluted EPS Before Extra, 2 Yr. CAGR %	6.41	9.77	4.92	1.17	-0.38
Dividend Per Share, 2 Yr. CAGR %	6.65	9.24	4.83	1.78	-1.42
Gross Loans, 2 Yr. CAGR %	10.97	12.5	13.52	10.73	8.13
Allowance For Loan Losses, 2 Yr. CAGR %	14.98	12.56	10.53	6.74	4.22
Net Loans, 2 Yr. CAGR %	10.83	12.5	13.62	10.87	8.26
Non Performing Loans, 2 Yr. CAGR %	11.9	5.98	10.56	8.5	5.79
Non Performing Assets, 2 Yr. CAGR %	11.72	5.91	10.49	8.43	5.75
Total Assets, 2 Yr. CAGR %	9.06	10.9	12.55	8.28	9.12
Total Deposits, 2 Yr CAGR %	9.91	10.48	11.91	6.85	7.45
Tangible Book Value, 2 Yr. CAGR %	8.88	10.24	10.64	8.11	8.08
Average Interest Earning Assets, 2 Yr. CAGR %	10.83	10.15	12.74	10.52	8.69
Average Interest Bearing Liabilities, 2 Yr. CAGR %	9.87	9.35	12.7	10.97	9.26
Common Equity, 2 Yr. CAGR %	8.78	10.16	10.56	8.02	7.99
Total Equity, 2 Yr. CAGR %	8.15	9.76	10.16	7.82	7.8
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.58	6.19	2.65	-0.5	-3.79
Non Interest Income, 3 Yr. CAGR %	8.23	2.1	-8.87	-15.48	10.51
Provision For Loan Losses, 3 Yr. CAGR %	3.58	-1.76	-10.92	-10.43	-4.8
Total Revenues, 3 Yr. CAGR %	8.93	7.17	3.44	-2.52	-0.43
Earnings From Cont. Operations, 3 Yr. CAGR %	5.94	6.28	6.71	3.43	1.51
Net Income, 3 Yr. CAGR %	5.91	6.68	7.06	3.52	1.43
Normalized Net Income, 3 Yr. CAGR %	7.01	5.8	6.63	0.63	-1.43
Diluted EPS Before Extra, 3 Yr. CAGR %	5.97	6.71	7.31	3.25	0.52
Dividend Per Share, 3 Yr. CAGR %	5.96	6.73	7.06	3.45	-0.03
Gross Loans, 3 Yr. CAGR %	11.07	11.83	12.82	11.81	9.75
Allowance For Loan Losses, 3 Yr. CAGR %	15.16	13.48	11.88	8	6.28
Net Loans, 3 Yr. CAGR %	10.94	11.78	12.85	11.94	9.86
Non Performing Loans, 3 Yr. CAGR %	9.82	11.28	7.65	9.01	7.52
Non Performing Assets, 3 Yr. CAGR %	9.56	11.14	7.58	8.95	7.47
Total Assets, 3 Yr. CAGR %	9.22	10.8	10.86	10.28	9.66
Total Deposits, 3 Yr CAGR %	9.31	11.11	10.43	9.03	8.4
Tangible Book Value, 3 Yr. CAGR %	10.14	9.48	10.35	8.95	8.92
Average Interest Earning Assets, 3 Yr. CAGR %	10.27	11.19	11.28	11.14	10.14
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.86	10.54	10.72	11.3	10.64
Common Equity, 3 Yr. CAGR %	10.05	9.39	10.27	8.87	8.83
Total Equity, 3 Yr. CAGR %	9.49	8.8	9.91	8.55	8.62
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.57	7.18	5.08	2.12	0.1
Non Interest Income, 5 Yr. CAGR %	9.53	5.48	-4.63	-4.76	-2.06
Provision For Loan Losses, 5 Yr. CAGR %	13.39	4.6	-1.97	-5.83	-7.18
Total Revenues, 5 Yr. CAGR %	6.92	7.34	4.15	2.3	1.56
Earnings From Cont. Operations, 5 Yr. CAGR %	5.51	5.81	5.4	4.55	4.43
Net Income, 5 Yr. CAGR %	5.5	5.98	5.49	4.7	4.57
Normalized Net Income, 5 Yr. CAGR %	5.06	5.18	5.61	3.45	2.66
Diluted EPS Before Extra, 5 Yr. CAGR %	5.28	5.88	5.55	4.5	4.17
Dividend Per Share, 5 Yr. CAGR %	5.54	5.98	5.5	4.72	3.58
Gross Loans, 5 Yr. CAGR %	9.89	10.64	12.05	11.47	10.92
Allowance For Loan Losses, 5 Yr. CAGR %	18.87	16.47	13.28	10.74	8.75
Net Loans, 5 Yr. CAGR %	9.64	10.47	12.01	11.5	10.99
Non Performing Loans, 5 Yr. CAGR %	8.29	8.78	10.12	10.16	6.9
Non Performing Assets, 5 Yr. CAGR %	8.05	8.58	9.93	10.05	6.84
Total Assets, 5 Yr. CAGR %	7.61	9.36	10.54	9.79	10.16
Total Deposits, 5 Yr CAGR %	7.08	9	10.35	9.38	9.23
Tangible Book Value, 5 Yr. CAGR %	10.28	10.56	10.34	8.92	9.44
Average Interest Earning Assets, 5 Yr. CAGR %	8.48	9.21	11.25	11.02	10.24
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8	8.43	10.38	10.72	10.13
Common Equity, 5 Yr. CAGR %	10.18	10.47	10.25	8.83	9.35
Total Equity, 5 Yr. CAGR %	10.46	9.9	9.76	8.39	9.06