Cash flow HSBC Holdings plc

Equities

HSBA

GB0005405286

Banks

Real-time Estimate Cboe Europe Other stock markets 08:12:45 10/07/2025 pm IST			5-day change	1st Jan Change
917.00 ^GBX	+1.20%		+3.73%	+16.87%

06:50pm	HSBC Becomes LIV Golf's Official International Banking Partner	MT
07:14am	HSBC Buys Back Over 1.8 Million Shares From Morgan Stanley	MT

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Published financial data: HSBC HOLDINGS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	4.18TCr	3.62TCr	5.51TCr	10TCr	11TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	4.18TCr	3.62TCr	5.51TCr	10TCr	11TCr
Interest On Deposits	1.42TCr	969.9Cr	2.24TCr	6.51TCr	7.59TCr
Interest Expense, Total	1.42TCr	969.9Cr	2.24TCr	6.51TCr	7.59TCr
Net Interest Income	2.76TCr	2.65TCr	3.26TCr	3.58TCr	3.27TCr
Income From Trading Activities	958.2Cr	774.4Cr	1.05TCr	1.67TCr	2.11TCr
Gain (Loss) on Sale of Assets	-	-	-	15Cr	-175.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	65Cr	57Cr	-30L	-300Cr	-
Total Other Non Interest Income	1.26TCr	1.48TCr	1.1TCr	1.02TCr	1.26TCr
Non Interest Income, Total	2.29TCr	2.31TCr	2.15TCr	2.4TCr	3.19TCr
Revenues Before Provison For Loan Losses	5.04TCr	4.96TCr	5.41TCr	5.98TCr	6.47TCr
Provision For Loan Losses	881.7Cr	-93Cr	359.2Cr	344.7Cr	341.4Cr
Total Revenues	4.16TCr	5.05TCr	5.05TCr	5.64TCr	6.13TCr
Salaries And Other Employee Benefits	1.76TCr	1.82TCr	1.79TCr	1.77TCr	1.79TCr
Amort. of Goodwill & Intang. Assets	147Cr	143.8Cr	172Cr	211.2Cr	215.8Cr
Occupancy Expense	268.1Cr	226.1Cr	215.7Cr	164Cr	184.5Cr
Selling General & Admin Expenses, Total	1.16TCr	1.21TCr	1.15TCr	1.09TCr	1.1TCr
(Income) Loss on Equity Invest.	-159.7Cr	-304.6Cr	-272.3Cr	-280.7Cr	-291.2Cr
Non Interest Expense, Total	3.17TCr	3.1TCr	3.06TCr	2.95TCr	3.01TCr
EBT, Excl. Unusual Items	986.7Cr	1.95TCr	1.99TCr	2.68TCr	3.12TCr
Restructuring Charges	-	-	-237.8Cr	-	-
Impairment of Goodwill	-4.1Cr	-59Cr	-	28Cr	-7.7Cr
Asset Writedown	-104.9Cr	-	40L	-	-
Other Unusual Items	-	-	-	325.8Cr	118.7Cr
EBT, Incl. Unusual Items	877.7Cr	1.89TCr	1.75TCr	3.03TCr	3.23TCr
Income Tax Expense	267.8Cr	421.3Cr	86Cr	578.9Cr	731Cr
Earnings From Continuing Operations	609.9Cr	1.47TCr	1.67TCr	2.46TCr	2.5TCr
Net Income to Company	609.9Cr	1.47TCr	1.67TCr	2.46TCr	2.5TCr
Minority Interest	-87Cr	-78Cr	-64Cr	-102.6Cr	-102Cr
Net Income - (IS)	522.9Cr	1.39TCr	1.6TCr	2.35TCr	2.4TCr
Preferred Dividend and Other Adjustments	133.1Cr	131Cr	121.3Cr	110.1Cr	106.2Cr
Net Income to Common Incl Extra Items	389.8Cr	1.26TCr	1.48TCr	2.24TCr	2.29TCr
Net Income to Common Excl. Extra Items	389.8Cr	1.26TCr	1.48TCr	2.24TCr	2.29TCr
Per Share Items
Net EPS - Basic	0.19	0.62	0.75	1.15	1.25
Basic EPS - Continuing Operations	0.19	0.62	0.75	1.15	1.25
Basic Weighted Average Shares Outstanding	2.02TCr	2.02TCr	1.98TCr	1.95TCr	1.84TCr
Net EPS - Diluted	0.19	0.62	0.74	1.14	1.24
Diluted EPS - Continuing Operations	0.19	0.62	0.74	1.14	1.24
Diluted Weighted Average Shares Outstanding	2.02TCr	2.03TCr	2TCr	1.96TCr	1.85TCr
Normalized Basic EPS	0.26	0.56	0.59	0.81	1.01
Normalized Diluted EPS	0.26	0.56	0.59	0.8	1
Dividend Per Share	0.15	0.25	0.32	0.61	0.66
Payout Ratio	25.45	41.6	40.81	49.26	52
American Depositary Receipts Ratio (ADR)	1.25	1.25	1.25	1.25	1.25
Supplemental Items
Effective Tax Rate - (Ratio)	30.51	22.28	4.9	19.08	22.63
Total Current Taxes	270Cr	325Cr	299.1Cr	571.8Cr	611.5Cr
Total Deferred Taxes	-2.2Cr	96Cr	-213.3Cr	7.1Cr	119.5Cr
Normalized Net Income	529.69Cr	1.14TCr	1.18TCr	1.57TCr	1.85TCr
Non-Cash Pension Expense	15Cr	24Cr	4.2Cr	-15Cr	-12Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	46Cr	51Cr	42Cr	52Cr	53Cr
Total Stock-Based Compensation	46Cr	51Cr	42Cr	52Cr	53Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	32TCr	43TCr	35TCr	31TCr	29TCr
Investment Securities, Total	84TCr	82TCr	81TCr	89TCr	94TCr
Trading Asset Securities, Total	53TCr	44TCr	49TCr	51TCr	57TCr
Total investments	1,37400Cr	1,25600Cr	1,30000Cr	1,39400Cr	1,51600Cr
Gross Loans	1,08400Cr	1,08600Cr	97TCr	99TCr	97TCr
Allowance For Loan Losses	-1.45TCr	-1.14TCr	-1.15TCr	-1.11TCr	-972.8Cr
Other Adjustments to Gross Loans	-123.6Cr	-152.4Cr	-157.7Cr	-186.9Cr	-161.2Cr
Net Loans	1,06800Cr	1,07300Cr	96TCr	97TCr	96TCr
Net Property Plant And Equipment	1.44TCr	1.32TCr	1.26TCr	1.29TCr	1.16TCr
Goodwill	588.1Cr	503.3Cr	415.6Cr	432.3Cr	411.8Cr
Other Intangibles, Total	1.46TCr	1.56TCr	1.72TCr	816.4Cr	826.6Cr
Other Receivables	95Cr	97Cr	123Cr	153.6Cr	131.3Cr
Restricted Cash	10TCr	7.58TCr	12TCr	12TCr	11TCr
Other Current Assets, Total	4.59TCr	4.46TCr	16TCr	17TCr	7.69TCr
Deferred Tax Assets Long-Term (Collected)	448.3Cr	462.4Cr	749.8Cr	775.4Cr	684.1Cr
Other Long-Term Assets, Total	3.66TCr	3.99TCr	3.52TCr	3.49TCr	3.2TCr
Total Assets	2,98400Cr	2,95800Cr	2,96700Cr	3,03900Cr	3,01700Cr
Liabilities
Accrued Expenses, Total	1.04TCr	1.05TCr	1.24TCr	1.68TCr	1.63TCr
Interest Bearing Deposits	1,74400Cr	1,82800Cr	1,65600Cr	1,70600Cr	1,75300Cr
Total Deposits	1,74400Cr	1,82800Cr	1,65600Cr	1,70600Cr	1,75300Cr
Short-Term Borrowings	30TCr	19TCr	29TCr	23TCr	26TCr
Current Portion of Long-Term Debt	19TCr	18TCr	18TCr	24TCr	25TCr
Long-Term Debt	17TCr	17TCr	15TCr	16TCr	17TCr
Long-Term Leases	461.4Cr	358.6Cr	276.7Cr	281.3Cr	245.9Cr
Current Income Taxes Payable	69Cr	70Cr	113.5Cr	277.7Cr	172.9Cr
Other Current Liabilities - (Bank / Utility Template)	19TCr	19TCr	31TCr	29TCr	20TCr
Pension & Other Post Retirement Benefits	202.5Cr	160.7Cr	109.6Cr	116Cr	101.7Cr
Deferred Tax Liability Non-Current	431.3Cr	467.3Cr	242.2Cr	123.8Cr	131.7Cr
Other Non Current Liabilities	16TCr	17TCr	17TCr	19TCr	17TCr
Total Liabilities	2,77900Cr	2,75100Cr	2,77100Cr	2,84600Cr	2,82500Cr
Common Stock, Total	1.03TCr	1.03TCr	1.01TCr	963.1Cr	897.3Cr
Additional Paid In Capital	1.43TCr	1.46TCr	1.47TCr	1.47TCr	1.48TCr
Retained Earnings	14TCr	14TCr	15TCr	15TCr	15TCr
Comprehensive Income and Other	3.12TCr	2.89TCr	1.06TCr	881.2Cr	878.8Cr
Total Common Equity	20TCr	20TCr	19TCr	19TCr	18TCr
Minority Interest	855.2Cr	852.7Cr	854.4Cr	728.1Cr	730Cr
Total Equity	20TCr	21TCr	20TCr	19TCr	19TCr
Total Liabilities And Equity	2,98400Cr	2,95800Cr	2,96700Cr	3,03900Cr	3,01700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.02TCr	2.01TCr	1.97TCr	1.9TCr	1.79TCr
ECS Total Common Shares Outstanding	2.02TCr	2.01TCr	1.97TCr	1.9TCr	1.79TCr
Book Value / Share	8.62	8.76	8.5	8.82	9.26
Tangible Book Value	18TCr	18TCr	17TCr	17TCr	17TCr
Tangible Book Value Per Share	7.61	7.73	7.42	8.16	8.57
Tangible Book Value Per Share (As Reported)	7.75	7.88	7.57	8.19	8.61
Average Assets	2,93700Cr	3,01200Cr	3,03100Cr	3,06000Cr	3,06200Cr
Average Loans	1,04700Cr	1,06100Cr	1,02400Cr	96TCr	95TCr
Total Debt	67TCr	54TCr	62TCr	64TCr	69TCr
Deposits at Interest - Cash	15TCr	16TCr	17TCr	17TCr	16TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-899.5Cr	-915.4Cr	-647.8Cr	-688.6Cr	-679.9Cr
Net Debt	-42TCr	-58TCr	-49TCr	-44TCr	-44TCr
Equity Method Investments, Total	2.67TCr	2.96TCr	2.93TCr	2.73TCr	2.89TCr
Full Time Employees	2L	2L	2L	2L	2L
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	522.9Cr	1.39TCr	1.6TCr	2.35TCr	2.4TCr
Depreciation, Depletion & Amortization	268.1Cr	226.1Cr	215.7Cr	163.9Cr	183.5Cr
Amortization of Goodwill and Intangible Assets - (CF)	143.4Cr	26Cr	27Cr	-5Cr	17Cr
Total Depreciation, Depletion & Amortization	411.5Cr	251.6Cr	242.6Cr	158.9Cr	200.8Cr
Amortization of Deferred Charges, Total	108.5Cr	118.3Cr	144.7Cr	187.7Cr	199.5Cr
(Gain) Loss On Sale of Asset - (CF)	-54Cr	-65Cr	265Cr	121.3Cr	18Cr
(Gain) Loss on Sale of Investments - (CF)	-	-	-	300Cr	-
Total Asset Writedown	4.1Cr	59Cr	-	-	7.7Cr
Provision for Credit Losses	909.6Cr	-52Cr	390.7Cr	371.7Cr	367.4Cr
(Income) Loss On Equity Investments - (CF)	-84Cr	-223.8Cr	-177.9Cr	-174Cr	-185Cr
Stock-Based Compensation (CF)	43Cr	47Cr	40Cr	48Cr	53Cr
Change in Trading Asset Securities	1.12TCr	-1.35TCr	2.85TCr	-7.32TCr	-6.2TCr
Change in Other Net Operating Assets (Collected)	-4.76TCr	-1.51TCr	1.68TCr	4.77TCr	2.75TCr
Other Operating Activities	-2.67TCr	2.19TCr	4.72TCr	-1.4TCr	2.5TCr
Cash from Operations	-4.45TCr	860.9Cr	12TCr	-591Cr	2.11TCr
Capital Expenditure	-144.6Cr	-108.6Cr	-128.5Cr	-114.5Cr	-134.4Cr
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-60Cr	-11Cr	-99Cr	-45Cr	-22Cr
Divestitures	-	-	-	-	-250.9Cr
Purchase / Sale of Intangible Assets	-206.4Cr	-247.9Cr	-312.5Cr	-255Cr	-254.2Cr
Investment in Marketable and Equity Securities, Total	-1.97TCr	2.81TCr	-2.56TCr	-5.94TCr	-7TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	136.2Cr	305.9Cr	-353Cr	62Cr	-
Cash from Investing	-2.24TCr	2.75TCr	-3.45TCr	-6.29TCr	-7.66TCr
Long-Term Debt Issued, Total	-	-	730Cr	523.7Cr	436.1Cr
Total Debt Issued	-	-	730Cr	523.7Cr	436.1Cr
Long-Term Debt Repaid, Total	-353.8Cr	-86Cr	-177.7Cr	-214.7Cr	-200Cr
Total Debt Repaid	-353.8Cr	-86Cr	-177.7Cr	-214.7Cr	-200Cr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-18Cr	-209.3Cr	-237.6Cr	-642.6Cr	-1.19TCr
Issuance of Preferred Stock	149.7Cr	199.6Cr	-	200Cr	360.2Cr
Repurchase of Preferred Stock	-40Cr	-345Cr	-226.6Cr	-400.3Cr	-343.3Cr
Common Dividends Paid	-	-448Cr	-533Cr	-1.05TCr	-1.14TCr
Preferred Dividends Paid	-133.1Cr	-131Cr	-121.4Cr	-110.1Cr	-106.2Cr
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-133.1Cr	-579Cr	-654.4Cr	-1.16TCr	-1.25TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	23TCr	9.57TCr	-9.12TCr	4.5TCr	4.42TCr
Special Dividend Paid	-	-	-	-	-394.2Cr
Other Financing Activities, Total	-69Cr	-59Cr	-62Cr	-63Cr	-69Cr
Cash from Financing	22TCr	8.49TCr	-9.75TCr	2.75TCr	1.78TCr
Foreign Exchange Rate Adjustments	1.94TCr	-1.53TCr	-3.8TCr	1.06TCr	-1.83TCr
Net Change in Cash	17TCr	11TCr	-5.24TCr	-3.07TCr	-5.6TCr
Supplemental Items
Cash Interest Paid	1.77TCr	1.27TCr	2.29TCr	6.6TCr	8.17TCr
Cash Income Tax Paid (Refund)	425.9Cr	307.7Cr	277.6Cr	411.7Cr	661.1Cr
Net Debt Issued / Repaid	-353.8Cr	-86Cr	552.3Cr	309Cr	236.1Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.21	0.49	0.56	0.82	0.83
Return On Equity %	3.07	7.14	8.28	13	12.99
Return on Common Equity	2.05	6.39	7.68	12.35	12.38
Shareholders Value Added	-1.62TCr	-950.96Cr	-535.38Cr	169.33Cr	193.39Cr
Margin Analysis
SG&A Margin	76.59	64.57	62.59	53.67	50.3
Net Interest Income / Total Revenues %	66.27	52.47	64.56	63.52	53.44
EBT Excl. Non-Recurring Items Margin %	23.71	38.62	39.4	47.57	50.93
Income From Continuing Operations Margin %	14.66	29.11	33	43.58	40.81
Net Income Margin %	12.57	27.57	31.74	41.76	39.15
Net Avail. For Common Margin %	9.37	24.97	29.34	39.81	37.41
Normalized Net Income Margin	12.73	22.6	23.37	27.91	30.17
Asset quality
Nonperforming Loans / Total Loans %	1.79	1.76	2.02	1.96	2.33
Nonperforming Loans / Total Assets %	0.65	0.64	0.66	0.64	0.75
Nonperforming Assets / Total Assets %	0.65	0.64	0.66	0.64	0.75
NPAs / Loans and OREO	1.79	1.76	2.02	1.96	2.33
NPAs / Equity	9.45	9.22	10.02	10.05	11.81
Allowance for Credit Losses / Net Charge-offs %	548.79	519.02	463.1	303.48	231.67
Allowance for Credit Losses / Nonperforming Loans %	75.02	59.95	58.68	57.3	42.85
Allowance for Credit Losses / Total Loans %	1.34	1.05	1.19	1.12	1
Net Charge-offs / Total Average Loans %	0.25	0.21	0.24	0.38	0.44
Provision for Loan Losses / Net Charge-offs %	332.97	-42.12	144.37	94.33	81.3
Earning Assets / IBL	120.2	121.63	122.16	115.42	109.29
Interest Income / Average Assets	1.42	1.2	1.82	3.3	3.55
Interest Expense / Average Assets	0.48	0.32	0.74	2.13	2.48
Net Interest Income / Average Assets	0.94	0.88	1.08	1.17	1.07
Non Interest Income / Average Assets	0.78	0.77	0.71	0.78	1.04
Non Interest Expense / Average Asset	1.08	1.03	1.01	0.97	0.98
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.67	6.64	6.51	6.06	6.11
Total Average Equity / Total Average Assets %	6.98	6.93	6.8	6.31	6.36
Total Equity + Allowance for Loan Losses / Total Loans %	19.47	19.3	20.5	19.88	19.98
Gross Loans / Total Deposits %	62.13	59.41	58.6	57.9	55.58
Net Loans / Total Deposits %	61.23	58.7	57.81	57.15	54.94
Tier 1 Capital Ratio %	18.7	18.6	16.6	16.9	17.2
Total Capital Ratio %	21.5	21.2	19.3	20	20.6
Core Tier 1 Capital Ratio	15.9	15.8	14.2	14.8	14.9
Tier 2 Capital Ratio	2.83	2.56	2.78	3.17	3.37
Coverage Ratio	75.02	59.95	58.68	57.3	42.85
Interbank Ratio	159.51	141.15	180.86	147.08	139.12
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.62	2.95	1.78	1.47	1.43
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.47	-3.95	23.11	17.84	-8.56
Non Interest Income, 1 Yr. Growth %	-10.86	0.93	-6.8	22.69	33.04
Provision For Loan Losses, 1 Yr. Growth %	219.92	-110.53	-487.07	-3.82	-0.96
Total Revenues, 1 Yr. Growth %	-21.99	21.31	0.07	21.56	8.7
Earnings From Cont. Operations, 1 Yr. Growth %	-29.96	140.91	13.46	51.14	1.79
Net Income, 1 Yr. Growth %	-29.18	166.15	15.22	51.25	1.9
Normalized Net Income, 1 Yr. Growth %	-54.38	115.36	3.48	63.16	17.5
Diluted EPS Before Extra, 1 Yr. Growth %	-35.83	226.32	19.35	58.33	8.77
Dividend Per Share, 1 Yr. Growth %	-50	66.67	28	90.62	8.2
Gross Loans, 1 Yr. Growth %	0.85	0.24	-10.65	1.96	-1.37
Allowance For Loan Losses, 1 Yr. Growth %	66.12	-21.32	0.77	-3.71	-12.27
Net Loans, 1 Yr. Growth %	0.33	0.51	-10.79	2	-1.22
Non Performing Loans, 1 Yr. Growth %	41.3	-1.55	2.95	-1.42	17.31
Non Performing Assets, 1 Yr. Growth %	41.3	-1.55	2.95	-1.42	17.31
Total Assets, 1 Yr. Growth %	9.91	-0.88	0.29	3.03	-0.71
Total Deposits, 1 Yr Growth %	15.06	4.84	-9.42	3	2.75
Tangible Book Value, 1 Yr. Growth %	7.45	0.92	-6.45	3.86	-0.15
Average Interest Earning Assets, 1 Yr. Growth %	8.85	5.57	-0.27	0.84	-2.89
Average Interest Bearing Liabilities, 1 Yr. Growth %	6.55	4.33	-0.69	3.81	2.56
Common Equity, 1 Yr. Growth %	6.79	0.92	-5.43	4.22	-0.19
Total Equity, 1 Yr. Growth %	6.4	0.87	-5.2	4	-0.18
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.89	-6.75	8.74	16.25	3.81
Non Interest Income, 2 Yr. CAGR %	-0.95	-5.15	-3.01	3.32	27.76
Provision For Loan Losses, 2 Yr. CAGR %	123.38	-41.97	-36.17	92.73	-2.4
Total Revenues, 2 Yr. CAGR %	-10.56	-2.72	10.18	6.27	14.95
Earnings From Cont. Operations, 2 Yr. CAGR %	-36.29	29.9	65.32	29.29	24.04
Net Income, 2 Yr. CAGR %	-38.28	37.3	75.12	30.04	24.14
Normalized Net Income, 2 Yr. CAGR %	-31.02	-0.88	49.28	18.83	38.46
Diluted EPS Before Extra, 2 Yr. CAGR %	-45.08	44.7	97.35	35.6	31.23
Dividend Per Share, 2 Yr. CAGR %	-45.77	-8.71	46.06	56.2	43.61
Gross Loans, 2 Yr. CAGR %	2.46	0.55	-5.36	-6.38	0.28
Allowance For Loan Losses, 2 Yr. CAGR %	29.7	14.33	-10.96	-	-8.09
Net Loans, 2 Yr. CAGR %	2.21	0.42	-5.31	-7	0.37
Non Performing Loans, 2 Yr. CAGR %	20.47	17.94	0.67	-	7.54
Non Performing Assets, 2 Yr. CAGR %	20.47	17.94	0.67	-	7.54
Total Assets, 2 Yr. CAGR %	8.01	4.38	-0.3	1.43	1.14
Total Deposits, 2 Yr CAGR %	10.13	9.83	-2.55	-2.97	2.87
Tangible Book Value, 2 Yr. CAGR %	4.26	4.14	-2.83	-1.42	1.84
Average Interest Earning Assets, 2 Yr. CAGR %	6.67	7.2	2.61	-1.09	-1.04
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.93	5.44	1.79	1.54	3.18
Common Equity, 2 Yr. CAGR %	2.7	3.81	-2.31	-0.98	1.99
Total Equity, 2 Yr. CAGR %	2.73	3.6	-2.21	-0.95	1.89
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.71	-4.58	2.3	9.08	7.31
Non Interest Income, 3 Yr. CAGR %	-0.6	-0.33	-5.7	1.65	12.4
Provision For Loan Losses, 3 Yr. CAGR %	70.82	-19.32	9.23	-26.88	54.37
Total Revenues, 3 Yr. CAGR %	-5.73	-0.99	-1.8	10.64	7.07
Earnings From Cont. Operations, 3 Yr. CAGR %	-19.93	-0.74	24.17	59.09	19.38
Net Income, 3 Yr. CAGR %	-21.47	0.46	29.5	65.1	19.88
Normalized Net Income, 3 Yr. CAGR %	-18.12	0.81	0.55	43.73	18.38
Diluted EPS Before Extra, 3 Yr. CAGR %	-26.58	-0.53	35.7	81.71	25.99
Dividend Per Share, 3 Yr. CAGR %	-33.5	-21.15	2.17	59.62	38.21
Gross Loans, 3 Yr. CAGR %	1.32	1.71	-3.33	-3.04	-4.74
Allowance For Loan Losses, 3 Yr. CAGR %	15.77	9.8	9.62	-8.62	-
Net Loans, 3 Yr. CAGR %	1.13	1.64	-3.47	-2.99	-5.11
Non Performing Loans, 3 Yr. CAGR %	9.25	12.63	12.72	-0.03	-
Non Performing Assets, 3 Yr. CAGR %	9.25	12.63	12.72	-0.03	-
Total Assets, 3 Yr. CAGR %	5.82	4.96	3	0.61	0.71
Total Deposits, 3 Yr CAGR %	6.97	8.34	3	-0.74	-1.1
Tangible Book Value, 3 Yr. CAGR %	2.12	3.14	0.48	-0.6	-1
Average Interest Earning Assets, 3 Yr. CAGR %	6.63	6.3	4.65	1.08	-1.69
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.17	4.73	3.35	2.46	1.88
Common Equity, 3 Yr. CAGR %	1.36	2.1	0.64	-1.92	-0.72
Total Equity, 3 Yr. CAGR %	1.47	2.11	0.58	-2.06	-0.69
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.32	-2.4	2.97	3.26	1.45
Non Interest Income, 5 Yr. CAGR %	-3.34	5.02	-1.57	0.6	4.49
Provision For Loan Losses, 5 Yr. CAGR %	18.83	-22.87	15.22	14.3	4.38
Total Revenues, 5 Yr. CAGR %	-5.77	2.53	0.33	1.62	2.8
Earnings From Cont. Operations, 5 Yr. CAGR %	-16.58	33.65	7.01	10.33	23.48
Net Income, 5 Yr. CAGR %	-17.31	41.21	8.23	11.38	26.57
Normalized Net Income, 5 Yr. CAGR %	-12.25	15.71	4.12	7.15	9.74
Diluted EPS Before Extra, 5 Yr. CAGR %	-21.56	56.63	9.04	12.59	33.17
Dividend Per Share, 5 Yr. CAGR %	-21.71	-13.29	-8.9	3.65	17.08
Gross Loans, 5 Yr. CAGR %	2.55	4.26	-1.4	-0.88	-1.94
Allowance For Loan Losses, 5 Yr. CAGR %	8.75	7.81	4.23	5.12	2.15
Net Loans, 5 Yr. CAGR %	2.5	4.23	-1.49	-0.94	-1.98
Non Performing Loans, 5 Yr. CAGR %	-4	0.91	5.74	7.72	10.62
Non Performing Assets, 5 Yr. CAGR %	-4	0.91	5.74	7.72	10.62
Total Assets, 5 Yr. CAGR %	4.37	4.49	3.33	3.5	2.13
Total Deposits, 5 Yr CAGR %	5.35	6.53	3.06	3.48	2.95
Tangible Book Value, 5 Yr. CAGR %	1.44	2.89	0.11	1.32	1.05
Average Interest Earning Assets, 5 Yr. CAGR %	3.92	5.09	5.01	3.28	1.77
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.51	4.73	4.39	3.44	3.29
Common Equity, 5 Yr. CAGR %	0.83	2.48	-0.12	-0.1	0.11
Total Equity, 5 Yr. CAGR %	0.75	2.52	-0.02	-0.17	-0.04