Cash flow ICICI Bank Limited

Equities

ICICIBANK

INE090A01021

Banks

Delayed NSE India S.E. Other stock markets 02:39:54 22/01/2026 pm IST			5-day change	1st Jan Change
1,345.30 ^INR	-0.27%		-5.10%	+0.24%

02:50pm	Astron Paper gets communication from ICICI Bank that company's account not classified as fraud	RE
21/01	Asian Equities Traded in the US as American Depositary Receipts Rise Sharply in Wednesday Trading	MT

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Published financial data: ICICI BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	89TCr	95TCr	1,21100Cr	1,59500Cr	1,86300Cr
Interest Income, Total	89TCr	95TCr	1,21100Cr	1,59500Cr	1,86300Cr
Interest On Deposits	43TCr	41TCr	51TCr	74TCr	89TCr
Interest Expense, Total	43TCr	41TCr	51TCr	74TCr	89TCr
Net Interest Income	47TCr	54TCr	71TCr	85TCr	97TCr
Gain (Loss) on Sale of Assets	-6.34Cr	5.66Cr	54Cr	14Cr	44Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	7.98TCr	2.51TCr	1.14TCr	3.79TCr	5.23TCr
Income (Loss) on Equity Invest. (Income Block)	144.29Cr	-	-	-	-
Total Other Non Interest Income	64TCr	60TCr	64TCr	73TCr	1,03000Cr
Non Interest Income, Total	72TCr	62TCr	65TCr	77TCr	1,08300Cr
Revenues Before Provison For Loan Losses	1,18700Cr	1,16400Cr	1,35600Cr	1,61900Cr	2,05600Cr
Provision For Loan Losses	22TCr	17TCr	19TCr	19TCr	23TCr
Total Revenues	97TCr	99TCr	1,16900Cr	1,42800Cr	1,82200Cr
Salaries And Other Employee Benefits	11TCr	12TCr	15TCr	18TCr	23TCr
Stock-Based Compensation (IS)	7.76Cr	266.93Cr	518.05Cr	702.91Cr	790.15Cr
Occupancy Expense	4.9TCr	5.44TCr	6.56TCr	7.26TCr	8.73TCr
Selling General & Admin Expenses, Total	5.94TCr	6.04TCr	7.78TCr	8.07TCr	6.78TCr
(Income) Loss on Equity Invest.	-	-754.43Cr	-998.29Cr	-1.07TCr	-150.66Cr
Total Other Non Interest Expense	54TCr	49TCr	53TCr	63TCr	89TCr
Non Interest Expense, Total	76TCr	72TCr	81TCr	97TCr	1,27600Cr
EBT, Excl. Unusual Items	20TCr	27TCr	35TCr	46TCr	55TCr
EBT, Incl. Unusual Items	20TCr	27TCr	35TCr	46TCr	55TCr
Income Tax Expense	-	-	-	-	-
Earnings From Continuing Operations	20TCr	27TCr	35TCr	46TCr	55TCr
Net Income to Company	20TCr	27TCr	35TCr	46TCr	55TCr
Minority Interest	-1.98TCr	-1.43TCr	-1.42TCr	-1.82TCr	-3.54TCr
Net Income - (IS)	18TCr	25TCr	34TCr	44TCr	51TCr
Net Income to Common Incl Extra Items	18TCr	25TCr	34TCr	44TCr	51TCr
Net Income to Common Excl. Extra Items	18TCr	25TCr	34TCr	44TCr	51TCr
Per Share Items
Net EPS - Basic	27.26	36.21	48.86	63.19	72.41
Basic EPS - Continuing Operations	27.26	36.21	48.86	63.19	72.41
Basic Weighted Average Shares Outstanding	674.34Cr	693.37Cr	696.63Cr	700.39Cr	704.75Cr
Net EPS - Diluted	26.83	35.44	47.84	61.96	71.14
Diluted EPS - Continuing Operations	26.83	35.44	47.84	61.96	71.14
Diluted Weighted Average Shares Outstanding	684.19Cr	707.59Cr	710.5Cr	713.22Cr	716.73Cr
Normalized Basic EPS	15.94	21.86	29.77	38.52	43.37
Normalized Diluted EPS	15.71	21.42	29.19	37.82	42.65
Dividend Per Share	2	5	8	10	11
Payout Ratio	-	5.52	10.22	12.65	13.8
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	-	-
Total Current Taxes	6.26TCr	7.4TCr	11TCr	14TCr	17TCr
Total Deferred Taxes	-596.81Cr	1.05TCr	337Cr	1.73TCr	937.66Cr
Normalized Net Income	11TCr	15TCr	21TCr	27TCr	31TCr
Non-Cash Pension Expense	-32Cr	-47Cr	250.49Cr	62Cr	285.03Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	7.76Cr	266.93Cr	518.05Cr	702.91Cr	790.15Cr
Total Stock-Based Compensation	7.76Cr	266.93Cr	518.05Cr	702.91Cr	790.15Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,08400Cr	1,30100Cr	76TCr	82TCr	1,00300Cr
Investment Securities, Total	3,98000Cr	4,16200Cr	4,95500Cr	6,62300Cr	7,25100Cr
Trading Asset Securities, Total	-	-	18TCr	17TCr	16TCr
Total investments	3,98000Cr	4,16200Cr	5,13300Cr	6,79300Cr	7,41300Cr
Gross Loans	7,91800Cr	9,20300Cr	10,83900Cr	12,60800Cr	14,20700Cr
Allowance For Loan Losses	-	-	-	-	-
Net Loans	7,91800Cr	9,20300Cr	10,83900Cr	12,60800Cr	14,20700Cr
Gross Property Plant And Equipment	21TCr	21TCr	22TCr	27TCr	31TCr
Accumulated Depreciation	-10TCr	-10TCr	-11TCr	-14TCr	-15TCr
Net Property Plant And Equipment	11TCr	11TCr	11TCr	13TCr	16TCr
Goodwill	107.67Cr	101.33Cr	101.33Cr	2.47TCr	8.46TCr
Accrued Interest Receivable	11TCr	11TCr	15TCr	21TCr	24TCr
Other Receivables	-	-	-	-	-
Restricted Cash	39TCr	53TCr	60TCr	81TCr	1,13700Cr
Other Current Assets, Total	7.83TCr	6.63TCr	7.53TCr	8.53TCr	11TCr
Deferred Tax Assets Long-Term (Collected)	9.34TCr	7.95TCr	7.62TCr	6.31TCr	4.84TCr
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	1,97300Cr	1,96800Cr	1,83500Cr	2,09800Cr	2,01800Cr
Total Assets	15,73800Cr	17,52600Cr	19,58500Cr	23,64100Cr	26,42200Cr
Liabilities
Accounts Payable, Total	37TCr	21TCr	24TCr	64TCr	62TCr
Interest Bearing Deposits	8,20700Cr	9,27900Cr	10,45000Cr	12,44800Cr	14,04100Cr
Non-Interest Bearing Deposits	1,39300Cr	1,63400Cr	1,65800Cr	1,98800Cr	2,37600Cr
Total Deposits	9,59900Cr	10,91400Cr	12,10800Cr	14,43600Cr	16,41600Cr
Short-Term Borrowings	4.22TCr	9.04TCr	9.8TCr	17TCr	23TCr
Current Portion of Long-Term Debt	-	-	-	1,03900Cr	1,21900Cr
Current Portion of Leases	14Cr	18Cr	20Cr	21Cr	23Cr
Long-Term Debt	1,39700Cr	1,52600Cr	1,97600Cr	1,03900Cr	93TCr
Long-Term Leases	75Cr	72Cr	53Cr	32Cr	102.24Cr
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	2.48TCr	2.75TCr	3.34TCr	3.9TCr	4.22TCr
Other Current Liabilities - (Bank / Utility Template)	13TCr	14TCr	14TCr	13TCr	9.05TCr
Other Non Current Liabilities	2,50200Cr	2,74600Cr	2,77400Cr	3,44600Cr	3,59100Cr
Total Liabilities	14,06600Cr	15,64600Cr	17,37300Cr	20,94000Cr	23,13500Cr
Common Stock, Total	1.38TCr	1.39TCr	1.4TCr	1.4TCr	1.42TCr
Additional Paid In Capital	49TCr	50TCr	51TCr	52TCr	61TCr
Retained Earnings	89TCr	1,10800Cr	1,41600Cr	1,80100Cr	2,25900Cr
Comprehensive Income and Other	18TCr	20TCr	21TCr	23TCr	26TCr
Total Common Equity	1,57600Cr	1,82100Cr	2,14500Cr	2,56100Cr	3,13900Cr
Minority Interest	9.59TCr	5.98TCr	6.69TCr	14TCr	15TCr
Total Equity	1,67200Cr	1,88000Cr	2,21200Cr	2,70000Cr	3,28700Cr
Total Liabilities And Equity	15,73800Cr	17,52600Cr	19,58500Cr	23,64100Cr	26,42200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	691.6Cr	695.64Cr	699.7Cr	703.62Cr	713.55Cr
ECS Total Common Shares Outstanding	691.6Cr	694.88Cr	698.28Cr	702.23Cr	712.19Cr
Book Value / Share	227.86	261.99	307.18	364.76	440.76
Tangible Book Value	1,57500Cr	1,82000Cr	2,14400Cr	2,53700Cr	3,05400Cr
Tangible Book Value Per Share	227.7	261.85	307.03	361.23	428.88
Average Assets	-	15,94400Cr	18,22800Cr	21,38500Cr	24,92800Cr
Average Loans	6,54300Cr	8,31900Cr	10,01700Cr	11,99300Cr	13,76000Cr
Total Debt	1,44000Cr	1,61700Cr	2,07500Cr	2,25100Cr	2,37600Cr
Deposits at Interest - Cash	69TCr	89TCr	48TCr	69TCr	99TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-48Cr	-102.55Cr	207.41Cr	47Cr	266.62Cr
Net Debt	36TCr	32TCr	1,13200Cr	1,26400Cr	1,21100Cr
Equity Method Investments, Total	688.9Cr	2TCr	2TCr	1.51TCr	2.27TCr
Full Time Employees	98.75T	1L	2L	2L	2L
Assets on Operating Lease - Gross	1.77TCr	1.79TCr	1.79TCr	1.79TCr	1.89TCr
Assets on Operating Lease - Accumulated Depreciation	-1.44TCr	-1.46TCr	-1.48TCr	-1.5TCr	-1.53TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	18TCr	25TCr	34TCr	44TCr	51TCr
Depreciation, Depletion & Amortization	1.4TCr	1.41TCr	1.57TCr	2TCr	2.69TCr
Total Depreciation, Depletion & Amortization	1.4TCr	1.41TCr	1.57TCr	2TCr	2.69TCr
(Gain) Loss On Sale of Asset - (CF)	6.34Cr	-5.66Cr	-54Cr	-14Cr	-44Cr
(Gain) Loss on Sale of Investments - (CF)	-2.25TCr	1.83TCr	2.71TCr	1.62TCr	-102.32Cr
Total Asset Writedown	68Cr	70Cr	76Cr	-	-
Provision for Credit Losses	16TCr	6.78TCr	124.54Cr	2.13TCr	4.83TCr
Stock-Based Compensation (CF)	7.76Cr	266.93Cr	518.05Cr	702.91Cr	790.15Cr
Change in Other Net Operating Assets (Collected)	-57TCr	-1,13900Cr	-1,68600Cr	-1,29400Cr	-1,34000Cr
Other Operating Activities	2.46TCr	5.13TCr	6.34TCr	2.96TCr	-404.37Cr
Cash from Operations	-21TCr	-73TCr	-1,23200Cr	-76TCr	-75TCr
Capital Expenditure	-1.69TCr	-1.86TCr	-2.47TCr	-3.68TCr	-4.77TCr
Sale of Property, Plant, and Equipment	12Cr	117.44Cr	287.42Cr	70Cr	65Cr
Investment in Marketable and Equity Securities, Total	-61TCr	-38TCr	-66TCr	-1,42300Cr	-73TCr
Cash from Investing	-63TCr	-39TCr	-68TCr	-1,45900Cr	-77TCr
Short Term Debt Issued, Total	-	17TCr	12TCr	18TCr	11TCr
Long-Term Debt Issued, Total	29TCr	36TCr	42TCr	39TCr	40TCr
Total Debt Issued	29TCr	53TCr	54TCr	57TCr	51TCr
Short Term Debt Repaid, Total	-47TCr	-	-	-	-
Long-Term Debt Repaid, Total	-53TCr	-35TCr	-27TCr	-39TCr	-40TCr
Total Debt Repaid	-1LCr	-35TCr	-27TCr	-39TCr	-40TCr
Issuance of Common Stock	15TCr	797.98Cr	942.07Cr	1.17TCr	1.44TCr
Common Dividends Paid	-	-1.39TCr	-3.48TCr	-5.6TCr	-7.04TCr
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-1.39TCr	-3.48TCr	-5.6TCr	-7.04TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,59200Cr	1,31400Cr	1,19500Cr	2,33000Cr	1,98100Cr
Cash from Financing	1,04500Cr	1,48900Cr	1,44300Cr	2,46800Cr	2,03600Cr
Foreign Exchange Rate Adjustments	-644.01Cr	-126.84Cr	316.31Cr	423.44Cr	148.43Cr
Miscellaneous Cash Flow Adjustments	-	-558.69Cr	-	771.07Cr	-
Net Change in Cash	20TCr	36TCr	-47TCr	26TCr	51TCr
Supplemental Items
Cash Interest Paid	-	41TCr	50TCr	74TCr	89TCr
Cash Income Tax Paid (Refund)	3.83TCr	4.98TCr	11TCr	13TCr	18TCr
Net Debt Issued / Repaid	-70TCr	18TCr	27TCr	18TCr	11TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.38	1.6	1.91	2.13	2.18
Return On Equity %	13.72	14.94	17.33	18.76	18.23
Return on Common Equity	13.11	14.79	17.17	18.81	17.9
Shareholders Value Added	1.55TCr	4.73TCr	10TCr	16TCr	17TCr
Margin Analysis
SG&A Margin	23.67	25.12	26.12	24.85	21.91
Net Interest Income / Total Revenues %	48.12	54.82	60.33	59.81	53.4
EBT Excl. Non-Recurring Items Margin %	21.07	26.82	30.33	32.27	29.95
Income From Continuing Operations Margin %	21.07	26.82	30.33	32.27	29.95
Net Income Margin %	19.02	25.38	29.12	30.99	28
Net Avail. For Common Margin %	19.02	25.38	29.12	30.99	28
Normalized Net Income Margin	11.12	15.32	17.74	18.89	16.77
Asset quality
Nonperforming Loans / Total Loans %	5.16	3.75	2.88	2.22	1.71
Nonperforming Loans / Total Assets %	2.6	1.97	1.6	1.18	0.92
Nonperforming Assets / Total Assets %	2.6	1.97	1.6	1.18	0.92
NPAs / Loans and OREO	5.16	3.75	2.88	2.22	1.71
NPAs / Equity	24.43	18.38	14.13	10.35	7.4
Allowance for Credit Losses / Nonperforming Loans %	-	-	-	-	-
Allowance for Credit Losses / Total Loans %	-	-	-	-	-
Net Charge-offs / Total Average Loans %	1.29	1.14	0.27	0.38	0.59
Provision for Loan Losses / Net Charge-offs %	260.36	183.05	684.62	420.35	285.55
Earning Assets / IBL	111.87	122.34	123.41	124.35	127.57
Interest Income / Average Assets	-	5.98	6.64	7.46	7.47
Interest Expense / Average Assets	-	2.58	2.77	3.47	3.57
Net Interest Income / Average Assets	-	3.4	3.87	3.99	3.9
Non Interest Income / Average Assets	-	3.9	3.57	3.58	4.34
Non Interest Expense / Average Asset	-	4.54	4.47	4.52	5.12
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.51	10.21	10.69	10.89	11.39
Total Average Equity / Total Average Assets %	10.06	10.68	11.03	11.36	11.96
Total Equity + Allowance for Loan Losses / Total Loans %	19.9	19.78	19.79	20.32	22.1
Gross Loans / Total Deposits %	82.48	84.33	89.51	87.34	86.54
Net Loans / Total Deposits %	82.48	84.33	89.51	87.34	86.54
Tier 1 Capital Ratio %	17.81	18.02	17.33	15.43	15.81
Total Capital Ratio %	18.87	18.87	18.09	16.14	16.41
Core Tier 1 Capital Ratio	16.66	17.34	16.88	15.43	15.81
Tier 2 Capital Ratio	1.06	0.84	0.77	0.71	0.6
Interbank Ratio	63.87	107.14	73.45	16.06	20.02
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.48	1.64	1.7	1.62	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.77	16.64	30.02	21.11	13.93
Non Interest Income, 1 Yr. Growth %	11.12	-13.74	4.8	17.52	41.47
Provision For Loan Losses, 1 Yr. Growth %	-1.5	-20.9	7.45	2.17	21.95
Total Revenues, 1 Yr. Growth %	16.79	2.53	18.16	22.14	27.61
Earnings From Cont. Operations, 1 Yr. Growth %	81.41	30.32	33.62	29.95	18.42
Net Income, 1 Yr. Growth %	92.18	36.58	35.55	30.03	15.3
Normalized Net Income, 1 Yr. Growth %	100.64	41.04	36.81	30.08	13.31
Diluted EPS Before Extra, 1 Yr. Growth %	84.4	32.09	34.99	29.52	14.82
Dividend Per Share, 1 Yr. Growth %	-	150	60	25	10
Gross Loans, 1 Yr. Growth %	12.11	16.23	17.77	16.32	12.68
Allowance For Loan Losses, 1 Yr. Growth %	-	-	-	-	-
Net Loans, 1 Yr. Growth %	12.11	16.23	17.77	16.32	12.68
Non Performing Loans, 1 Yr. Growth %	0.03	-19.09	-9.56	-10.52	-12.98
Non Performing Assets, 1 Yr. Growth %	0.03	-19.09	-9.56	-10.52	-12.98
Total Assets, 1 Yr. Growth %	14.27	11.36	11.75	20.71	11.77
Total Deposits, 1 Yr Growth %	19.87	13.69	10.95	19.22	13.72
Tangible Book Value, 1 Yr. Growth %	28.19	15.54	17.83	18.32	20.41
Average Interest Earning Assets, 1 Yr. Growth %	18.27	10.61	15.4	18.83	17.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	15.78	9.48	14.4	17.92	14.07
Common Equity, 1 Yr. Growth %	28.16	15.52	17.82	19.42	22.55
Total Equity, 1 Yr. Growth %	28.84	12.48	17.63	22.08	21.74
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	19.06	16.2	23.15	25.48	17.46
Non Interest Income, 2 Yr. CAGR %	10.3	-2.06	-4.92	10.98	28.94
Provision For Loan Losses, 2 Yr. CAGR %	3.79	-11.73	-7.81	4.78	11.62
Total Revenues, 2 Yr. CAGR %	16.12	9.46	10.07	20.14	24.85
Earnings From Cont. Operations, 2 Yr. CAGR %	89.19	53.76	31.96	31.77	24.05
Net Income, 2 Yr. CAGR %	107.88	62.01	36.07	32.76	22.44
Normalized Net Income, 2 Yr. CAGR %	83.4	68.22	38.91	33.4	21.4
Diluted EPS Before Extra, 2 Yr. CAGR %	102.77	56.07	33.53	32.22	21.94
Dividend Per Share, 2 Yr. CAGR %	41.42	-	100	41.42	17.26
Gross Loans, 2 Yr. CAGR %	10.63	14.15	17	17.04	14.49
Net Loans, 2 Yr. CAGR %	10.63	14.15	17	17.04	14.49
Non Performing Loans, 2 Yr. CAGR %	-5.44	-8.01	-14.46	-10.04	-11.76
Non Performing Assets, 2 Yr. CAGR %	-5.44	-8.01	-14.46	-10.04	-11.76
Total Assets, 2 Yr. CAGR %	12.71	12.81	11.55	16.14	16.15
Total Deposits, 2 Yr CAGR %	18.7	16.74	12.31	15.01	16.44
Tangible Book Value, 2 Yr. CAGR %	17.46	21.7	16.68	18.07	19.36
Average Interest Earning Assets, 2 Yr. CAGR %	15.67	13.78	12.98	17.1	17.92
Average Interest Bearing Liabilities, 2 Yr. CAGR %	15.03	11.89	11.91	16.15	15.98
Common Equity, 2 Yr. CAGR %	17.44	21.68	16.67	18.62	20.97
Total Equity, 2 Yr. CAGR %	17.62	20.38	15.02	19.84	21.91
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	18.57	18.25	20.64	22.46	21.51
Non Interest Income, 3 Yr. CAGR %	8.31	1.55	0.17	2.04	20.33
Provision For Loan Losses, 3 Yr. CAGR %	7.04	-5.2	-5.75	-4.6	10.21
Total Revenues, 3 Yr. CAGR %	13.13	11.35	12.29	13.96	22.58
Earnings From Cont. Operations, 3 Yr. CAGR %	30.8	67.09	46.73	31.29	27.16
Net Income, 3 Yr. CAGR %	33.58	80.72	52.66	34.02	26.66
Normalized Net Income, 3 Yr. CAGR %	25.22	68.03	57.02	35.9	26.34
Diluted EPS Before Extra, 3 Yr. CAGR %	31.15	75.78	48.7	32.18	26.15
Dividend Per Share, 3 Yr. CAGR %	10.06	71	-	71	30.06
Gross Loans, 3 Yr. CAGR %	11.78	12.47	15.35	16.77	15.57
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	-	-
Net Loans, 3 Yr. CAGR %	11.78	12.47	15.35	16.77	15.57
Non Performing Loans, 3 Yr. CAGR %	-8.46	-8.88	-8.53	-13.16	-11.03
Non Performing Assets, 3 Yr. CAGR %	-8.46	-8.88	-8.53	-13.16	-11.03
Total Assets, 3 Yr. CAGR %	11.86	12.26	12.45	14.53	14.66
Total Deposits, 3 Yr CAGR %	17.9	17.01	14.78	14.57	14.58
Tangible Book Value, 3 Yr. CAGR %	12.53	16.82	20.4	17.22	18.85
Average Interest Earning Assets, 3 Yr. CAGR %	-	20.31	14.31	14.89	17.07
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	16.35	12.72	13.88	15.45
Common Equity, 3 Yr. CAGR %	12.52	16.8	20.38	17.58	19.91
Total Equity, 3 Yr. CAGR %	12.75	15.88	19.46	17.33	20.47
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.95	15.75	20.38	21.09	19.36
Non Interest Income, 5 Yr. CAGR %	11.38	3.44	2.77	5.22	10.82
Provision For Loan Losses, 5 Yr. CAGR %	7.04	1.01	0.83	-1.33	0.85
Total Revenues, 5 Yr. CAGR %	13.32	9.8	11.87	14.78	17.15
Earnings From Cont. Operations, 5 Yr. CAGR %	13.26	18.54	31.26	51.95	37.2
Net Income, 5 Yr. CAGR %	12.55	19.77	34.57	59.75	39.77
Normalized Net Income, 5 Yr. CAGR %	12.06	15.18	30.52	53.21	41.67
Diluted EPS Before Extra, 5 Yr. CAGR %	11.13	17.47	32.1	56.86	37.36
Dividend Per Share, 5 Yr. CAGR %	-15.14	17.08	39.77	58.49	-
Gross Loans, 5 Yr. CAGR %	9.91	5.17	13.84	14.28	15
Allowance For Loan Losses, 5 Yr. CAGR %	-	-	-	-	-
Net Loans, 5 Yr. CAGR %	9.91	12.3	13.84	14.28	15
Non Performing Loans, 5 Yr. CAGR %	9.27	-5.35	-10.11	-9.35	-9.84
Non Performing Assets, 5 Yr. CAGR %	9.27	-6.38	-10.11	-9.35	-9.84
Total Assets, 5 Yr. CAGR %	11.37	12.2	11.74	13.8	13.92
Total Deposits, 5 Yr CAGR %	16.3	16.32	15.63	16.2	15.44
Tangible Book Value, 5 Yr. CAGR %	10.87	11.73	14.17	17.32	19.98
Average Interest Earning Assets, 5 Yr. CAGR %	7.82	11.68	-	19.01	15.74
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.57	12.79	-	16.27	14.01
Common Equity, 5 Yr. CAGR %	10.86	11.71	14.16	17.52	20.62
Total Equity, 5 Yr. CAGR %	11.39	11.42	13.65	17.45	20.43