Cash flow DBS Group Holdings Ltd

Stocks

D05

SG1L01001701

Banks

Market Closed - Singapore S.E. Other stock markets 02:45:18 10/07/2026 pm IST			5-day change	1st Jan Change
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Published financial data: DBS GROUP HOLDINGS LTD

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.02TCr	1.59TCr	2.79TCr	3.09TCr	2.83TCr
Interest Income, Total	1.02TCr	1.59TCr	2.79TCr	3.09TCr	2.83TCr
Interest On Deposits	174.5Cr	498.6Cr	1.42TCr	1.65TCr	1.38TCr
Interest Expense, Total	174.5Cr	498.6Cr	1.42TCr	1.65TCr	1.38TCr
Net Interest Income	844Cr	1.09TCr	1.36TCr	1.44TCr	1.45TCr
Income From Trading Activities	179.1Cr	231.3Cr	286.6Cr	338.1Cr	336.1Cr
Gain (Loss) on Sale of Assets	1.7Cr	30L	20L	12Cr	60L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	14Cr	-4.6Cr	8.9Cr	7.6Cr	6.2Cr
Income (Loss) on Equity Invest. (Income Block)	21Cr	-	-	-	-
Total Other Non Interest Income	380Cr	329.1Cr	354.5Cr	430Cr	497.1Cr
Non Interest Income, Total	596.1Cr	556.1Cr	650.2Cr	787.3Cr	840Cr
Revenues Before Provison For Loan Losses	1.44TCr	1.65TCr	2.01TCr	2.23TCr	2.29TCr
Provision For Loan Losses	5.2Cr	24Cr	59Cr	62Cr	79Cr
Total Revenues	1.43TCr	1.63TCr	1.96TCr	2.17TCr	2.21TCr
Salaries And Other Employee Benefits	374.1Cr	425Cr	486.1Cr	542.2Cr	563.9Cr
Stock-Based Compensation (IS)	-	80L	30L	50L	1Cr
Amort. of Goodwill & Intang. Assets	-	-	90L	2.3Cr	2.3Cr
Selling General & Admin Expenses, Total	34Cr	32Cr	40Cr	41Cr	45Cr
(Income) Loss on Equity Invest.	-	-21Cr	-21Cr	-25Cr	-26Cr
Total Other Non Interest Expense	248.3Cr	251.4Cr	279Cr	318.5Cr	325.3Cr
Non Interest Expense, Total	656.9Cr	688.3Cr	785.1Cr	879.1Cr	911Cr
EBT, Excl. Unusual Items	778Cr	938.2Cr	1.17TCr	1.29TCr	1.3TCr
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-22Cr	-	-
EBT, Incl. Unusual Items	778Cr	938.2Cr	1.15TCr	1.29TCr	1.3TCr
Income Tax Expense	97Cr	118.8Cr	142.3Cr	159.4Cr	206.5Cr
Earnings From Continuing Operations	680.7Cr	819.4Cr	1.01TCr	1.13TCr	1.09TCr
Net Income to Company	680.7Cr	819.4Cr	1.01TCr	1.13TCr	1.09TCr
Minority Interest	-20L	-10L	-10L	-10L	-10L
Net Income - (IS)	680.5Cr	819.3Cr	1.01TCr	1.13TCr	1.09TCr
Preferred Dividend and Other Adjustments	11Cr	8.5Cr	8.4Cr	8.4Cr	3.5Cr
Net Income to Common Incl Extra Items	669.6Cr	810.8Cr	997.8Cr	1.12TCr	1.09TCr
Net Income to Common Excl. Extra Items	669.6Cr	810.8Cr	997.8Cr	1.12TCr	1.09TCr
Per Share Items
Net EPS - Basic	2.38	2.86	3.52	3.94	3.84
Basic EPS - Continuing Operations	2.38	2.86	3.52	3.94	3.84
Basic Weighted Average Shares Outstanding	281.86Cr	283.01Cr	283.61Cr	284.3Cr	283.8Cr
Net EPS - Diluted	2.38	2.86	3.52	3.94	3.82
Diluted EPS - Continuing Operations	2.38	2.86	3.52	3.94	3.82
Diluted Weighted Average Shares Outstanding	281.86Cr	283.01Cr	283.61Cr	284.3Cr	285Cr
Normalized Basic EPS	1.72	2.07	2.58	2.83	2.86
Normalized Diluted EPS	1.72	2.07	2.58	2.83	2.85
Dividend Per Share	1.09	1.36	1.75	2.22	2.46
Payout Ratio	35.15	46.25	46.95	53.88	74.55
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	12.51	12.66	12.39	12.37	15.89
Total Current Taxes	91Cr	120.9Cr	138.8Cr	159.1Cr	196.8Cr
Total Deferred Taxes	6Cr	-2.1Cr	3.5Cr	30L	9.7Cr
Normalized Net Income	486.05Cr	586.28Cr	731.34Cr	805.15Cr	812.34Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	13Cr	13Cr	18Cr	17Cr	19Cr
Stock-Based Comp., Other (Total)	-	80L	30L	50L	1Cr
Total Stock-Based Compensation	13Cr	13Cr	18Cr	18Cr	20Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	4.67TCr	4.4TCr	3.99TCr	4.74TCr	4.64TCr
Investment Securities, Total	8.96TCr	13TCr	14TCr	17TCr	21TCr
Trading Asset Securities, Total	5.52TCr	4.49TCr	2.27TCr	2.79TCr	2.36TCr
Total investments	14TCr	17TCr	16TCr	20TCr	23TCr
Gross Loans	42TCr	42TCr	42TCr	44TCr	45TCr
Allowance For Loan Losses	-607.9Cr	-576.5Cr	-598.9Cr	-609Cr	-590.5Cr
Net Loans	41TCr	41TCr	42TCr	43TCr	45TCr
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	218Cr	201.8Cr	234.2Cr	223.7Cr	191.7Cr
Goodwill	536.2Cr	534Cr	608.1Cr	617.1Cr	613.9Cr
Other Intangibles, Total	104.2Cr	118.1Cr	154.2Cr	156Cr	146.9Cr
Investment in Real Estate	4Cr	3.9Cr	3.7Cr	28Cr	28Cr
Accrued Interest Receivable	127.4Cr	234.6Cr	310.4Cr	318.7Cr	300.6Cr
Other Receivables	6.14TCr	6.81TCr	7.5TCr	10TCr	11TCr
Restricted Cash	1.29TCr	1.64TCr	1.55TCr	1.56TCr	1.44TCr
Other Current Assets, Total	58Cr	71Cr	120.3Cr	110.5Cr	527.2Cr
Deferred Tax Assets Long-Term (Collected)	63Cr	89Cr	77Cr	84Cr	51Cr
Other Real Estate Owned And Foreclosed	18Cr	16Cr	13Cr	10Cr	12Cr
Other Long-Term Assets, Total	-	1.4TCr	1.32TCr	1.72TCr	2.86TCr
Total Assets	69TCr	74TCr	74TCr	83TCr	90TCr
Liabilities
Interest Bearing Deposits	34TCr	40TCr	43TCr	45TCr	49TCr
Non-Interest Bearing Deposits	16TCr	13TCr	11TCr	11TCr	12TCr
Total Deposits	50TCr	53TCr	54TCr	56TCr	61TCr
Short-Term Borrowings	4.52TCr	6.43TCr	2.7TCr	4.24TCr	3.77TCr
Current Portion of Long-Term Debt	3.86TCr	4.97TCr	6.8TCr	9.26TCr	12TCr
Long-Term Debt	2.39TCr	2.25TCr	2.46TCr	2.51TCr	2.75TCr
Long-Term Leases	152.2Cr	138.9Cr	146.8Cr	135Cr	112.2Cr
Current Income Taxes Payable	96Cr	106.1Cr	110.5Cr	125.5Cr	159.8Cr
Accrued Interest Payable	29Cr	121.3Cr	208.8Cr	208.6Cr	191.2Cr
Other Current Liabilities - (Bank / Utility Template)	464.6Cr	650.6Cr	554.3Cr	799.6Cr	751.9Cr
Unearned Revenue Non Current	96Cr	86Cr	77Cr	67Cr	58Cr
Deferred Tax Liability Non-Current	8.1Cr	5.6Cr	11Cr	16Cr	15Cr
Other Non Current Liabilities	1.02TCr	1.17TCr	1.13TCr	2.31TCr	2.36TCr
Total Liabilities	63TCr	69TCr	68TCr	76TCr	83TCr
Common Stock, Total	1.18TCr	1.18TCr	1.18TCr	1.18TCr	1.18TCr
Retained Earnings	4TCr	4.43TCr	4.81TCr	5.32TCr	5.54TCr
Treasury Stock	-44Cr	-33Cr	-22Cr	-29Cr	-6.5Cr
Comprehensive Income and Other	610.7Cr	104.5Cr	236.9Cr	408.6Cr	172.3Cr
Total Common Equity	5.75TCr	5.69TCr	6.21TCr	6.88TCr	6.89TCr
Minority Interest	19Cr	18Cr	18Cr	4.7Cr	4.9Cr
Total Equity	5.77TCr	5.71TCr	6.22TCr	6.88TCr	6.89TCr
Total Liabilities And Equity	69TCr	74TCr	74TCr	83TCr	90TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	282.52Cr	283.1Cr	283.71Cr	283.96Cr	283.76Cr
ECS Total Common Shares Outstanding	282.52Cr	283.1Cr	283.71Cr	284Cr	283.8Cr
Book Value / Share	19.52	19.25	21.03	23.38	24.27
Tangible Book Value	5.11TCr	5.04TCr	5.44TCr	6.11TCr	6.13TCr
Tangible Book Value Per Share	17.25	16.95	18.35	20.66	21.59
Total Debt	11TCr	14TCr	12TCr	16TCr	18TCr
Deposits at Interest - Cash	4.46TCr	4.15TCr	3.74TCr	4.51TCr	4.43TCr
Net Debt	738.7Cr	4.9TCr	5.85TCr	8.61TCr	11TCr
Equity Method Investments, Total	217.2Cr	228Cr	248.7Cr	307.3Cr	349Cr
Full Time Employees	33T	36T	40T	41T	-
Part Time Employees	-	-	-	-	-
Number Of Offices	-	520	520	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	680.5Cr	819.3Cr	1.01TCr	1.13TCr	1.09TCr
Depreciation, Depletion & Amortization	41Cr	40Cr	41Cr	44Cr	42Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	90L	2.3Cr	2.3Cr
Total Depreciation, Depletion & Amortization	41Cr	40Cr	42Cr	46Cr	44Cr
Amortization of Deferred Charges, Total	26Cr	30Cr	33Cr	36Cr	40Cr
(Gain) Loss On Sale of Asset - (CF)	1.3Cr	5Cr	10L	-8.5Cr	1.5Cr
(Gain) Loss on Sale of Investments - (CF)	-	50L	2.6Cr	-3.6Cr	-20L
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	2.4Cr	22Cr	54Cr	62Cr	78Cr
(Income) Loss On Equity Investments - (CF)	-21Cr	-21Cr	-21Cr	-25Cr	-26Cr
Stock-Based Compensation (CF)	13Cr	13Cr	18Cr	18Cr	20Cr
Change in Other Net Operating Assets (Collected)	-3.29TCr	-3.75TCr	-618Cr	-2.04TCr	-6.08TCr
Other Operating Activities	2.4Cr	15Cr	90L	9.3Cr	41Cr
Cash from Operations	-2.54TCr	-2.82TCr	517.2Cr	-773.4Cr	-4.78TCr
Capital Expenditure	-57Cr	-67Cr	-72Cr	-92Cr	-52Cr
Sale of Property, Plant, and Equipment	2.2Cr	30L	20L	13Cr	1.4Cr
Cash Acquisitions	-	-	143.7Cr	-15Cr	-
Divestitures	-	-	4.9Cr	-	-
Investment in Marketable and Equity Securities, Total	-109.8Cr	-11Cr	-12Cr	-43Cr	-31Cr
Other Investing Activities, Total	4.2Cr	8.6Cr	8.1Cr	12Cr	12Cr
Cash from Investing	-160.1Cr	-69Cr	73Cr	-124.3Cr	-71Cr
Long-Term Debt Issued, Total	100Cr	-	-	-	-
Total Debt Issued	100Cr	-	-	-	-
Long-Term Debt Repaid, Total	-26Cr	-	-305.7Cr	-26Cr	-25Cr
Total Debt Repaid	-26Cr	-	-305.7Cr	-26Cr	-25Cr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-102.4Cr	-1.1Cr	-2Cr	-21Cr	-273.8Cr
Common Dividends Paid	-239.2Cr	-378.9Cr	-472.4Cr	-608.3Cr	-815.1Cr
Common & Preferred Stock Dividends Paid	-239.2Cr	-378.9Cr	-472.4Cr	-608.3Cr	-815.1Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	3.32TCr	3.1TCr	-60L	2.31TCr	5.89TCr
Special Dividend Paid	-	-	-128.9Cr	-	-
Other Financing Activities, Total	9.1Cr	-8.6Cr	-9.9Cr	-4.3Cr	-4Cr
Cash from Financing	3.06TCr	2.71TCr	-919.5Cr	1.65TCr	4.77TCr
Foreign Exchange Rate Adjustments	94Cr	-90Cr	-80Cr	-1.7Cr	-11Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	448.8Cr	-271.4Cr	-410.1Cr	747.7Cr	-97Cr
Supplemental Items
Cash Interest Paid	6.4Cr	8.6Cr	9.2Cr	4.3Cr	4Cr
Cash Income Tax Paid (Refund)	70Cr	104.1Cr	131.9Cr	143.8Cr	163.3Cr
Net Debt Issued / Repaid	74Cr	-	-305.7Cr	-26Cr	-25Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.02	1.15	1.36	1.44	1.27
Return On Equity %	12.12	14.28	16.87	17.23	15.88
Return on Common Equity	11.94	14.17	16.78	17.13	15.83
Shareholders Value Added	7.59Cr	132.82Cr	293.39Cr	346.09Cr	269.68Cr
Margin Analysis
SG&A Margin	28.48	28.08	26.92	26.89	27.53
Net Interest Income / Total Revenues %	58.82	67.27	69.77	66.55	65.58
EBT Excl. Non-Recurring Items Margin %	54.22	57.68	59.85	59.44	58.8
Income From Continuing Operations Margin %	47.44	50.38	51.46	52.09	49.45
Net Income Margin %	47.42	50.37	51.46	52.08	49.45
Net Avail. For Common Margin %	46.67	49.85	51.03	51.7	49.29
Normalized Net Income Margin	33.87	36.05	37.4	37.15	36.74
Asset quality
Nonperforming Loans / Total Loans %	1.27	1.13	1.11	1.09	1.03
Nonperforming Loans / Total Assets %	0.77	0.64	0.64	0.58	0.52
Nonperforming Assets / Total Assets %	0.85	0.69	0.68	0.61	0.54
NPAs / Loans and OREO	1.41	1.22	1.2	1.15	1.07
NPAs / Equity	10.13	8.98	8.12	7.32	7.03
Allowance for Credit Losses / Net Charge-offs %	948.36	813.12	1.17T	953.05	689.84
Allowance for Credit Losses / Nonperforming Loans %	114.91	121.14	127.51	127.41	127.57
Allowance for Credit Losses / Total Loans %	1.46	1.37	1.42	1.39	1.31
Provision for Loan Losses / Net Charge-offs %	8.11	33.43	115.69	97.34	92.41
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.39	8	8.02	8.35	7.98
Total Average Equity / Total Average Assets %	8.41	8.03	8.05	8.37	7.99
Total Equity + Allowance for Loan Losses / Total Loans %	15.32	14.91	16.12	17.15	16.58
Gross Loans / Total Deposits %	82.69	79.75	78.89	77.74	73.92
Net Loans / Total Deposits %	81.48	78.66	77.77	76.65	72.95
Tier 1 Capital Ratio %	15.1	15.2	15.3	17.7	17
Total Capital Ratio %	17	17	16.1	18.6	17.9
Core Tier 1 Capital Ratio	14.4	14.6	14.6	17	17
Tier 2 Capital Ratio	1.92	1.78	0.85	0.91	0.89
Coverage Ratio	114.91	121.14	127.51	127.41	127.57
Interbank Ratio	170.07	151.52	144.44	125.31	118.39
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	5.46	2.88	1.81	1.78	1.94
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-7.01	29.63	24.69	5.73	0.53
Non Interest Income, 1 Yr. Growth %	8.07	-3.25	16.92	21.09	6.69
Provision For Loan Losses, 1 Yr. Growth %	-98.3	355.77	148.95	5.42	27.17
Total Revenues, 1 Yr. Growth %	24.49	15.06	20.22	10.85	2
Earnings From Cont. Operations, 1 Yr. Growth %	43.12	20.38	22.81	12.19	-3.15
Net Income, 1 Yr. Growth %	44.14	20.4	22.81	12.19	-3.15
Normalized Net Income, 1 Yr. Growth %	46.4	19.09	24.74	12.35	0.89
Diluted EPS Before Extra, 1 Yr. Growth %	44.29	20.59	22.8	12.02	-3.05
Dividend Per Share, 1 Yr. Growth %	37.93	25	28.01	26.86	10.81
Gross Loans, 1 Yr. Growth %	9.87	1.26	0.44	3.44	3.26
Allowance For Loan Losses, 1 Yr. Growth %	-7.88	-5.17	3.89	1.69	-3.04
Net Loans, 1 Yr. Growth %	10.19	1.35	0.4	3.47	3.35
Non Performing Loans, 1 Yr. Growth %	-12.69	-10.04	-1.3	1.77	-3.16
Non Performing Assets, 1 Yr. Growth %	-12.52	-12.38	-1.35	-0.4	-3.83
Total Assets, 1 Yr. Growth %	5.56	8.35	-0.55	11.89	8.49
Total Deposits, 1 Yr Growth %	7.98	4.99	1.54	4.98	8.6
Tangible Book Value, 1 Yr. Growth %	5.65	-1.48	8.09	12.15	0.33
Common Equity, 1 Yr. Growth %	5.31	-1.11	9.1	10.83	0.12
Total Equity, 1 Yr. Growth %	5.62	-1.11	9.07	10.58	0.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.36	9.79	27.14	14.82	3.1
Non Interest Income, 2 Yr. CAGR %	10.08	0.41	6.36	18.99	13.66
Provision For Loan Losses, 2 Yr. CAGR %	-72.8	-72.2	236.84	62	15.79
Total Revenues, 2 Yr. CAGR %	1.82	18.79	17.61	15.44	6.33
Earnings From Cont. Operations, 2 Yr. CAGR %	2.9	31.26	21.59	17.38	4.24
Net Income, 2 Yr. CAGR %	3.19	31.74	21.6	17.38	4.24
Normalized Net Income, 2 Yr. CAGR %	1.68	32.89	21.88	17.19	6.47
Diluted EPS Before Extra, 2 Yr. CAGR %	2.97	31.91	21.69	17.29	4.2
Dividend Per Share, 2 Yr. CAGR %	-1.23	31.31	26.49	27.59	18.56
Gross Loans, 2 Yr. CAGR %	7.02	5.48	0.85	1.93	3.35
Allowance For Loan Losses, 2 Yr. CAGR %	15.68	-6.53	-0.74	2.78	-0.7
Net Loans, 2 Yr. CAGR %	6.9	5.68	0.87	1.92	3.41
Non Performing Loans, 2 Yr. CAGR %	-1.04	-11.37	-5.77	0.22	-0.73
Non Performing Assets, 2 Yr. CAGR %	0.66	-12.45	-7.03	-0.87	-2.13
Total Assets, 2 Yr. CAGR %	8.86	6.95	3.81	5.49	10.18
Total Deposits, 2 Yr CAGR %	11.43	6.48	3.25	3.24	6.77
Tangible Book Value, 2 Yr. CAGR %	6.6	2.02	3.2	10.1	6.08
Common Equity, 2 Yr. CAGR %	6.23	2.05	3.87	9.96	5.34
Total Equity, 2 Yr. CAGR %	5.56	2.2	3.85	9.82	5.22
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.96	4.36	14.55	19.56	9.84
Non Interest Income, 3 Yr. CAGR %	12.13	4.17	5.63	11.06	14.74
Provision For Loan Losses, 3 Yr. CAGR %	-58.16	-30.4	-42.27	128.7	49.44
Total Revenues, 3 Yr. CAGR %	4.78	5.53	19.27	15.31	10.77
Earnings From Cont. Operations, 3 Yr. CAGR %	6.39	8.42	28.38	18.37	10.09
Net Income, 3 Yr. CAGR %	6.86	8.63	28.69	18.38	10.09
Normalized Net Income, 3 Yr. CAGR %	5.96	7.64	30.11	17.82	11.48
Diluted EPS Before Extra, 3 Yr. CAGR %	6.8	8.54	28.8	18.38	10.07
Dividend Per Share, 3 Yr. CAGR %	0	6.84	30.2	26.72	21.74
Gross Loans, 3 Yr. CAGR %	5.88	5.06	3.77	1.71	2.37
Allowance For Loan Losses, 3 Yr. CAGR %	9.41	8.26	-3.18	0.06	0.8
Net Loans, 3 Yr. CAGR %	5.84	5.02	3.89	1.73	2.39
Non Performing Loans, 3 Yr. CAGR %	0.25	-4.14	-8.14	-3.32	-0.92
Non Performing Assets, 3 Yr. CAGR %	0.96	-3.89	-8.89	-4.87	-1.87
Total Assets, 3 Yr. CAGR %	7.6	8.69	4.39	6.43	6.48
Total Deposits, 3 Yr CAGR %	8.43	9.24	4.8	3.82	5
Tangible Book Value, 3 Yr. CAGR %	5.77	3.83	4.01	6.1	6.74
Common Equity, 3 Yr. CAGR %	5.46	3.72	4.35	6.14	6.58
Total Equity, 3 Yr. CAGR %	4.99	3.28	4.44	6.05	6.49
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.93	7.03	8.78	8.43	9.82
Non Interest Income, 5 Yr. CAGR %	7.34	4.4	8.99	9.86	8.78
Provision For Loan Losses, 5 Yr. CAGR %	-48.49	-34.01	-3.64	-2.42	-23.74
Total Revenues, 5 Yr. CAGR %	7.37	9.4	9.41	9.39	13.91
Earnings From Cont. Operations, 5 Yr. CAGR %	9.32	12.71	12.22	11.92	18.12
Net Income, 5 Yr. CAGR %	9.93	13.39	12.53	12.05	18.29
Normalized Net Income, 5 Yr. CAGR %	9.73	13.58	12.35	11.36	19.6
Diluted EPS Before Extra, 5 Yr. CAGR %	9.45	13.34	12.52	11.96	18.33
Dividend Per Share, 5 Yr. CAGR %	14.87	10.03	9.86	14.7	25.48
Gross Loans, 5 Yr. CAGR %	6.33	5.1	3.84	3.8	3.6
Allowance For Loan Losses, 5 Yr. CAGR %	9.29	4.3	5.23	6.04	-2.2
Net Loans, 5 Yr. CAGR %	6.29	5.11	3.82	3.77	3.7
Non Performing Loans, 5 Yr. CAGR %	3.68	-2.91	-2.21	-2.42	-5.24
Non Performing Assets, 5 Yr. CAGR %	3.79	-3.33	-2.31	-2.69	-6.25
Total Assets, 5 Yr. CAGR %	7.34	7.5	6.07	7.4	6.67
Total Deposits, 5 Yr CAGR %	7.64	7.12	6.32	6.8	5.59
Tangible Book Value, 5 Yr. CAGR %	5.3	3.84	4.74	6.3	4.83
Common Equity, 5 Yr. CAGR %	5.22	3.69	4.82	6.17	4.74
Total Equity, 5 Yr. CAGR %	4.21	2.76	4.53	5.85	4.75