Financial Ratios Commerzbank AG

Equities

CBK

DE000CBK1001

Banks

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Published financial data: COMMERZBANK AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	726.7Cr	1.03TCr	1.83TCr	2.12TCr	1.95TCr
Interest Income On Investments	2.2Cr	3.2Cr	2.6Cr	4.4Cr	2.9Cr
Interest Income, Total	728.9Cr	1.04TCr	1.83TCr	2.13TCr	1.95TCr
Interest On Deposits	241.9Cr	387.3Cr	989.5Cr	1.29TCr	1.13TCr
Interest Expense, Total	241.9Cr	387.3Cr	989.5Cr	1.29TCr	1.13TCr
Net Interest Income	487Cr	649.1Cr	839.4Cr	837.6Cr	825.5Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Loans	-2.1Cr	4.8Cr	17Cr	14Cr	6.5Cr
Gain (Loss) on Sale of Assets	40L	3.6Cr	1.1Cr	1.2Cr	-20L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	98Cr	46Cr	-38Cr	-4Cr	1.4Cr
Income (Loss) on Equity Invest. (Income Block)	60L	1.3Cr	40L	10L	1.4Cr
Total Other Non Interest Income	274Cr	250.1Cr	233.2Cr	267.2Cr	384.7Cr
Non Interest Income, Total	371.2Cr	305.3Cr	213.9Cr	279Cr	393.8Cr
Revenues Before Provison For Loan Losses	858.2Cr	954.4Cr	1.05TCr	1.12TCr	1.22TCr
Provision For Loan Losses	57Cr	88Cr	62Cr	74Cr	72Cr
Total Revenues	801.2Cr	866.8Cr	991.5Cr	1.04TCr	1.15TCr
Salaries And Other Employee Benefits	-	-	-	-	-
Stock-Based Compensation (IS)	1Cr	2.7Cr	4.3Cr	6.2Cr	16Cr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	36Cr	36Cr	33Cr	7.4Cr	33Cr
Total Other Non Interest Expense	624.4Cr	616.7Cr	609.6Cr	645Cr	635Cr
Non Interest Expense, Total	661.5Cr	655.9Cr	647.1Cr	658.6Cr	684Cr
EBT, Excl. Unusual Items	139.7Cr	210.9Cr	344.4Cr	383.7Cr	463.1Cr
Restructuring Charges	-107.8Cr	-9.4Cr	-1.8Cr	-30L	-56Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-21Cr	-1Cr	-2.4Cr	-	-12Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	10Cr	200.5Cr	340.2Cr	383.4Cr	394.8Cr
Income Tax Expense	-25Cr	61Cr	118.8Cr	99Cr	108.9Cr
Earnings From Continuing Operations	35Cr	139.3Cr	221.4Cr	284.5Cr	285.9Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	35Cr	139.3Cr	221.4Cr	284.5Cr	285.9Cr
Minority Interest	7.7Cr	4.2Cr	1Cr	-17Cr	-23Cr
Net Income - (IS)	43Cr	143.5Cr	222.4Cr	267.7Cr	262.5Cr
Preferred Dividend and Other Adjustments	14Cr	19Cr	19Cr	21Cr	31Cr
Net Income to Common Incl Extra Items	29Cr	124.5Cr	203Cr	246.5Cr	231.6Cr
Net Income to Common Excl. Extra Items	29Cr	124.5Cr	203Cr	246.5Cr	231.6Cr
Per Share Items
Net EPS - Basic	0.23	0.99	1.63	2.08	2.06
Basic EPS - Continuing Operations	0.23	0.99	1.63	2.08	2.06
Basic Weighted Average Shares Outstanding	125.24Cr	125.24Cr	124.57Cr	118.75Cr	112.59Cr
Net EPS - Diluted	0.23	0.99	1.63	2.08	2.06
Diluted EPS - Continuing Operations	0.23	0.99	1.63	2.08	2.06
Diluted Weighted Average Shares Outstanding	125.24Cr	125.24Cr	124.57Cr	118.75Cr	112.59Cr
Normalized Basic EPS	0.76	1.09	1.74	1.88	2.36
Normalized Diluted EPS	0.76	1.09	1.74	1.88	2.36
Dividend Per Share	-	0.2	0.35	0.65	1.1
Payout Ratio	-	-	11.24	23.42	39.7
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	-236.19	30.52	34.92	25.8	27.58
Total Current Taxes	32Cr	62Cr	63Cr	45Cr	92Cr
Total Deferred Taxes	-56Cr	-40L	56Cr	54Cr	17Cr
Normalized Net Income	95Cr	136.01Cr	216.25Cr	223.01Cr	266.04Cr
Non-Cash Pension Expense	15Cr	16Cr	10Cr	9.3Cr	4.5Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	1Cr	2.7Cr	4.3Cr	6.2Cr	16Cr
Total Stock-Based Compensation	1Cr	2.7Cr	4.3Cr	6.2Cr	16Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	970.7Cr	5.81TCr	6.58TCr	4.59TCr	3.15TCr
Investment Securities, Total	7.87TCr	6.69TCr	7.43TCr	9.34TCr	11TCr
Trading Asset Securities, Total	6.9TCr	5.79TCr	7.14TCr	9.96TCr	11TCr
Total investments	15TCr	12TCr	15TCr	19TCr	22TCr
Gross Loans	27TCr	27TCr	27TCr	28TCr	30TCr
Allowance For Loan Losses	-282.9Cr	-304.3Cr	-387.2Cr	-379.5Cr	-367.9Cr
Net Loans	27TCr	27TCr	27TCr	28TCr	30TCr
Gross Property Plant And Equipment	627.6Cr	-	585.2Cr	608.8Cr	575.4Cr
Accumulated Depreciation	-339.5Cr	-	-350Cr	-384.4Cr	-366.1Cr
Net Property Plant And Equipment	288.1Cr	242.6Cr	235.2Cr	224.4Cr	209.3Cr
Goodwill	-	-	-	-	11Cr
Other Intangibles, Total	124.3Cr	128.9Cr	139.4Cr	178.5Cr	174.7Cr
Investment in Real Estate	4.1Cr	5.7Cr	5.3Cr	32Cr	17Cr
Accrued Interest Receivable	27Cr	26Cr	24Cr	21Cr	21Cr
Other Receivables	22Cr	18Cr	14Cr	22Cr	32Cr
Restricted Cash	3.98TCr	1.71TCr	2.73TCr	2.71TCr	2.89TCr
Other Current Assets, Total	91Cr	24Cr	20Cr	32Cr	47Cr
Deferred Tax Assets Long-Term (Collected)	313Cr	312.3Cr	250.5Cr	192.9Cr	145Cr
Other Long-Term Assets, Total	179.4Cr	209.3Cr	229.8Cr	239Cr	300.9Cr
Total Assets	47TCr	48TCr	52TCr	55TCr	59TCr
Liabilities
Accrued Expenses, Total	88Cr	101.3Cr	120.5Cr	131.4Cr	63Cr
Interest Bearing Deposits	35TCr	37TCr	41TCr	43TCr	46TCr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	35TCr	37TCr	41TCr	43TCr	46TCr
Short-Term Borrowings	3.87TCr	2.19TCr	1.78TCr	2.29TCr	2.96TCr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	43Cr	35Cr	34Cr	31Cr	22Cr
Long-Term Debt	4.18TCr	4.18TCr	4.55TCr	5.21TCr	5.6TCr
Long-Term Leases	150Cr	136Cr	133.6Cr	124.6Cr	121.3Cr
Current Income Taxes Payable	55Cr	83Cr	54Cr	47Cr	58Cr
Other Current Liabilities - (Bank / Utility Template)	211.2Cr	144.3Cr	203.7Cr	153.1Cr	207.2Cr
Pension & Other Post Retirement Benefits	26Cr	52Cr	66Cr	62Cr	56Cr
Deferred Tax Liability Non-Current	1.3Cr	60L	30L	4.6Cr	60L
Other Non Current Liabilities	516.1Cr	402.6Cr	461.8Cr	461.5Cr	569.5Cr
Total Liabilities	44TCr	45TCr	48TCr	52TCr	55TCr
Common Stock, Total	125.2Cr	125.2Cr	124Cr	115.4Cr	109.7Cr
Retained Earnings	1.5TCr	1.65TCr	1.8TCr	1.9TCr	1.93TCr
Comprehensive Income and Other	1.26TCr	1.23TCr	1.27TCr	1.43TCr	1.35TCr
Total Common Equity	2.89TCr	3TCr	3.2TCr	3.45TCr	3.38TCr
Minority Interest	98Cr	89Cr	101.6Cr	124.9Cr	153.5Cr
Total Equity	2.98TCr	3.09TCr	3.3TCr	3.57TCr	3.54TCr
Total Liabilities And Equity	47TCr	48TCr	52TCr	55TCr	59TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	125.24Cr	125.24Cr	124.02Cr	118.47Cr	109.65Cr
ECS Total Common Shares Outstanding	125.24Cr	125.24Cr	124.02Cr	118.47Cr	109.65Cr
Book Value / Share	23.04	23.97	25.8	29.1	30.85
Tangible Book Value	2.76TCr	2.87TCr	3.06TCr	3.27TCr	3.2TCr
Tangible Book Value Per Share	22.04	22.94	24.67	27.59	29.16
Tangible Book Value Per Share (As Reported)	20.48	21.58	23.33	25.96	26.11
Total Debt	8.24TCr	6.54TCr	6.49TCr	7.66TCr	8.7TCr
Deposits at Interest - Cash	3.98TCr	1.71TCr	2.73TCr	2.71TCr	2.89TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-45Cr	-57Cr	-60Cr	-74Cr	-123.9Cr
Net Debt	378.2Cr	-5.07TCr	-7.23TCr	-6.89TCr	-5.6TCr
Equity Method Investments, Total	18Cr	18Cr	14Cr	17Cr	24Cr
Full Time Employees	46.22T	41.91T	42.1T	39.04T	39.87T
Part Time Employees	-	-	-	1.19T	945
Number Of Offices	978	862	801	804	790
Assets on Operating Lease - Gross	-	-	-	92Cr	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-55Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	43Cr	143.5Cr	222.4Cr	267.7Cr	262.5Cr
Depreciation, Depletion & Amortization	52Cr	47Cr	44Cr	45Cr	428.6Cr
Amortization of Goodwill and Intangible Assets - (CF)	20L	40L	10L	90L	60L
Total Depreciation, Depletion & Amortization	52Cr	48Cr	44Cr	46Cr	429.2Cr
Amortization of Deferred Charges, Total	43Cr	41Cr	39Cr	40Cr	46Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	40L	3.6Cr	1.1Cr	1.2Cr	80L
Total Asset Writedown	22Cr	1.1Cr	2.5Cr	-	12Cr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Trading Asset Securities	-438Cr	668.3Cr	-2.36TCr	-4.17TCr	-4.02TCr
Change in Other Net Operating Assets (Collected)	-3.09TCr	2.26TCr	3.87TCr	1.46TCr	2.02TCr
Other Operating Activities	939Cr	-582Cr	196.8Cr	326.2Cr	583.7Cr
Cash from Operations	-2.43TCr	2.59TCr	2.01TCr	-2.03TCr	-672.7Cr
Capital Expenditure	-97Cr	-68Cr	-100Cr	-114.6Cr	-114.7Cr
Sale of Property, Plant, and Equipment	28Cr	5.5Cr	5.7Cr	3.5Cr	19Cr
Cash Acquisitions	-2.4Cr	-6.2Cr	-20L	-26Cr	-10Cr
Divestitures	-8.5Cr	-3Cr	2.2Cr	5.9Cr	6.4Cr
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-10L	10L	10L	10L
Cash from Investing	-80Cr	-71Cr	-92Cr	-131.3Cr	-100Cr
Long-Term Debt Issued, Total	-	48Cr	-	124.5Cr	28Cr
Total Debt Issued	-	48Cr	-	124.5Cr	28Cr
Long-Term Debt Repaid, Total	-170.6Cr	-30Cr	-72Cr	-29Cr	-27Cr
Total Debt Repaid	-170.6Cr	-30Cr	-72Cr	-29Cr	-27Cr
Issuance of Common Stock	50Cr	-	-	131Cr	-
Repurchase of Common Stock	-	-	-12Cr	-107.2Cr	-152.8Cr
Common Dividends Paid	-	-	-25Cr	-63Cr	-104.2Cr
Common & Preferred Stock Dividends Paid	-	-	-25Cr	-63Cr	-104.2Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-10L	-	-	10L	-92Cr
Cash from Financing	-121.1Cr	18Cr	-109.4Cr	56Cr	-346.9Cr
Foreign Exchange Rate Adjustments	18Cr	40Cr	-18Cr	94Cr	-137.6Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-2.61TCr	2.57TCr	1.79TCr	-2.01TCr	-1.26TCr
Supplemental Items
Cash Interest Paid	247.7Cr	373.9Cr	899.6Cr	1.28TCr	1.1TCr
Cash Income Tax Paid (Refund)	33Cr	23Cr	67Cr	54Cr	92Cr
Net Debt Issued / Repaid	-170.6Cr	18Cr	-72Cr	95Cr	1.6Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.07	0.29	0.45	0.53	0.5
Return On Equity %	1.21	4.59	6.93	8.28	8.04
Return on Common Equity	1.03	4.23	6.54	7.42	6.78
Shareholders Value Added	-227.26Cr	-203.43Cr	-148.6Cr	-129.97Cr	-111.56Cr
Margin Analysis
SG&A Margin	4.51	4.21	3.35	0.71	2.91
Net Interest Income / Total Revenues %	60.78	74.88	84.66	80.36	71.96
EBT Excl. Non-Recurring Items Margin %	17.44	24.33	34.74	36.81	40.37
Income From Continuing Operations Margin %	4.41	16.07	22.33	27.3	24.92
Net Income Margin %	5.37	16.56	22.43	25.68	22.88
Net Avail. For Common Margin %	3.62	14.36	20.47	23.65	20.19
Normalized Net Income Margin	11.86	15.69	21.81	21.4	23.19
Asset quality
Nonperforming Loans / Total Loans %	1.55	2.07	1.73	1.91	1.97
Nonperforming Loans / Total Assets %	0.88	1.17	0.91	0.97	1
Nonperforming Assets / Total Assets %	0.88	1.17	0.91	0.97	1
NPAs / Loans and OREO	1.55	2.07	1.73	1.91	1.97
NPAs / Equity	13.92	18.12	14.33	15.13	16.73
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	68.14	54.33	81.86	70.23	62.2
Allowance for Credit Losses / Total Loans %	1.05	1.12	1.42	1.34	1.22
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.75	6.23	6.24	6.2	5.97
Total Average Equity / Total Average Assets %	5.96	6.43	6.43	6.41	6.21
Total Equity + Allowance for Loan Losses / Total Loans %	11.81	12.21	13.14	13.52	12.48
Gross Loans / Total Deposits %	76.24	72.52	66.57	65.25	65.61
Net Loans / Total Deposits %	75.44	71.7	65.62	64.37	64.81
Tier 1 Capital Ratio %	15.5	16	16.5	17.6	16.7
Total Capital Ratio %	18.4	18.9	19.3	20.9	19.9
Core Tier 1 Capital Ratio	13.6	14.1	14.7	15.1	14.7
Tier 2 Capital Ratio	2.84	2.85	2.86	3.29	3.13
Interbank Ratio	40.84	99.78	92.98	70.63	32.47
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.04	1.52	1.34	1.3	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.83	33.29	29.32	-0.21	-1.44
Non Interest Income, 1 Yr. Growth %	12.59	-17.55	-29.94	30.43	41.15
Provision For Loan Losses, 1 Yr. Growth %	-67.39	53.68	-29.45	20.23	-2.83
Total Revenues, 1 Yr. Growth %	22.12	8.31	14.39	5.12	10.05
Earnings From Cont. Operations, 1 Yr. Growth %	-112.21	294.62	58.94	28.5	0.49
Net Income, 1 Yr. Growth %	-114.98	233.72	54.98	20.37	-1.94
Normalized Net Income, 1 Yr. Growth %	-732.36	43.15	58.99	3.13	19.29
Diluted EPS Before Extra, 1 Yr. Growth %	-109.84	329.31	63.92	27.38	-0.13
Dividend Per Share, 1 Yr. Growth %	-	-	75	85.71	69.23
Gross Loans, 1 Yr. Growth %	2.37	0.94	0.62	3.64	6.23
Allowance For Loan Losses, 1 Yr. Growth %	-7.03	7.56	5.62	-1.99	-3.06
Net Loans, 1 Yr. Growth %	2.48	0.87	0.55	3.72	6.35
Non Performing Loans, 1 Yr. Growth %	-13.36	34.9	-15.55	14.25	9.46
Non Performing Assets, 1 Yr. Growth %	-13.36	34.9	-15.55	14.25	9.46
Total Assets, 1 Yr. Growth %	-6.63	2.15	8.32	7.25	6.39
Total Deposits, 1 Yr Growth %	-5.88	6.12	9.86	5.74	5.63
Tangible Book Value, 1 Yr. Growth %	6.04	4.05	6.41	6.81	-2.18
Common Equity, 1 Yr. Growth %	5.08	4.04	6.48	7.74	-1.85
Total Equity, 1 Yr. Growth %	4.38	3.61	6.71	8.21	-0.99
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.32	13.8	31.29	13.6	-0.83
Non Interest Income, 2 Yr. CAGR %	0.15	-3.77	-24	-4.4	35.69
Provision For Loan Losses, 2 Yr. CAGR %	-4.12	-29.21	4.13	-7.9	8.09
Total Revenues, 2 Yr. CAGR %	-1.06	14.94	11.31	9.66	7.56
Earnings From Cont. Operations, 2 Yr. CAGR %	-29.14	-30.59	150.44	42.91	13.64
Net Income, 2 Yr. CAGR %	-14.27	-29.29	127.42	36.58	8.64
Normalized Net Income, 2 Yr. CAGR %	17.93	200.87	50.86	28.05	10.92
Diluted EPS Before Extra, 2 Yr. CAGR %	-30.65	-35.01	165.28	44.5	12.35
Dividend Per Share, 2 Yr. CAGR %	-	-	-	80.28	77.28
Gross Loans, 2 Yr. CAGR %	1.09	1.65	0.89	2.12	4.92
Allowance For Loan Losses, 2 Yr. CAGR %	15.76	0	16.99	1.74	-2.52
Net Loans, 2 Yr. CAGR %	0.96	1.67	0.71	2.12	5.03
Non Performing Loans, 2 Yr. CAGR %	5.43	8.11	6.73	-1.77	11.83
Non Performing Assets, 2 Yr. CAGR %	5.43	8.11	6.73	-1.77	11.83
Total Assets, 2 Yr. CAGR %	1.03	-2.92	5.19	7.78	6.82
Total Deposits, 2 Yr CAGR %	3.46	-0.06	7.98	7.78	5.69
Tangible Book Value, 2 Yr. CAGR %	2.75	5.04	5.28	6.61	2.22
Common Equity, 2 Yr. CAGR %	-0.61	4.56	5.3	7.11	2.83
Total Equity, 2 Yr. CAGR %	-1.11	4	5.2	7.45	3.51
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.6	8.34	18.76	19.81	8.34
Non Interest Income, 3 Yr. CAGR %	-1.77	-6.21	-13.43	-9.01	8.86
Provision For Loan Losses, 3 Yr. CAGR %	8.52	12.21	-29.29	9.24	-6.24
Total Revenues, 3 Yr. CAGR %	-0.98	1.93	14.76	9.21	9.79
Earnings From Cont. Operations, 3 Yr. CAGR %	-28.7	25.6	-8.51	100.49	27.08
Net Income, 3 Yr. CAGR %	-20.69	34.86	-8.15	83.96	22.3
Normalized Net Income, 3 Yr. CAGR %	12.11	25.8	143.25	32.9	25.06
Diluted EPS Before Extra, 3 Yr. CAGR %	-30.72	27.34	-11.54	107.73	27.43
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	76.52
Gross Loans, 3 Yr. CAGR %	2.44	1.04	1.38	1.8	3.47
Allowance For Loan Losses, 3 Yr. CAGR %	10.74	12.96	8.36	10.29	0.12
Net Loans, 3 Yr. CAGR %	2.37	0.93	1.3	1.7	3.51
Non Performing Loans, 3 Yr. CAGR %	3.28	14.46	-0.43	9.18	1.83
Non Performing Assets, 3 Yr. CAGR %	3.28	14.46	-0.43	9.18	1.83
Total Assets, 3 Yr. CAGR %	0.76	1	0.69	5.87	7.32
Total Deposits, 3 Yr CAGR %	2.97	4.34	3.15	7.23	7.06
Tangible Book Value, 3 Yr. CAGR %	3.4	3.18	5.53	5.79	3.59
Common Equity, 3 Yr. CAGR %	0.74	0.92	5.23	6.11	4.03
Total Equity, 3 Yr. CAGR %	0.47	0.44	4.93	6.19	4.56
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.38	8.08	11.91	10.41	10.49
Non Interest Income, 5 Yr. CAGR %	-6.64	-7.77	-11.39	-5.49	3.62
Provision For Loan Losses, 5 Yr. CAGR %	-8.73	2.32	6.74	3.69	-16.21
Total Revenues, 5 Yr. CAGR %	-1.55	1.13	3.74	4.95	11.82
Earnings From Cont. Operations, 5 Yr. CAGR %	-1.57	61.7	17.85	32.26	-0.22
Net Income, 5 Yr. CAGR %	9.04	62.15	20.87	35.55	-1.77
Normalized Net Income, 5 Yr. CAGR %	4.11	16.35	26.25	26.7	77.67
Diluted EPS Before Extra, 5 Yr. CAGR %	0.78	107.97	18.54	33.94	-2.66
Dividend Per Share, 5 Yr. CAGR %	-	-	11.84	-	-
Gross Loans, 5 Yr. CAGR %	-0.47	2.95	1.82	1.51	2.79
Allowance For Loan Losses, 5 Yr. CAGR %	-5.37	7.51	13.2	12.45	3.87
Net Loans, 5 Yr. CAGR %	-0.4	2.9	1.7	1.4	2.77
Non Performing Loans, 5 Yr. CAGR %	-9.7	-	4.65	7.67	4.3
Non Performing Assets, 5 Yr. CAGR %	-9.7	-	4.65	7.67	4.3
Total Assets, 5 Yr. CAGR %	-0.31	1.14	2.26	3.66	3.1
Total Deposits, 5 Yr CAGR %	2.23	-	4.94	5.7	4.16
Tangible Book Value, 5 Yr. CAGR %	1.6	3.33	4.15	4.56	4.19
Common Equity, 5 Yr. CAGR %	0.21	1.63	2.54	3.37	4.26
Total Equity, 5 Yr. CAGR %	0.17	1.41	2.33	3.21	4.36