INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Cash flow Industrial and Commercial Bank of China Limited

Equities

1398

CNE1000003G1

Banks

Market Closed - Hong Kong S.E. Other stock markets 01:38:46 08/07/2025 pm IST			5-day change	1st Jan Change
6.150 ^HKD	+0.33%		-3.00%	+18.04%

26/06	S&P Assigns A/A-1 Ratings to ICIL Aero Treasury's Medium-Term Note Program	MT
25/06	Ping An Insurance, Other Insurers Bet on Bank Stocks for High Dividends	MT

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Published financial data: INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1,09300Cr	1,16200Cr	1,28000Cr	1,40500Cr	1,42800Cr
Interest Income, Total	1,09300Cr	1,16200Cr	1,28000Cr	1,40500Cr	1,42800Cr
Interest On Deposits	45TCr	47TCr	59TCr	75TCr	79TCr
Interest Expense, Total	45TCr	47TCr	59TCr	75TCr	79TCr
Net Interest Income	65TCr	69TCr	69TCr	66TCr	64TCr
Income From Trading Activities	222.2Cr	895.5Cr	861Cr	1.49TCr	1.94TCr
Gain (Loss) on Sale of Assets	132.3Cr	218.2Cr	159Cr	192.5Cr	135.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.18TCr	1.64TCr	631.5Cr	2.16TCr	2.3TCr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	14TCr	14TCr	13TCr	11TCr	10TCr
Non Interest Income, Total	15TCr	17TCr	15TCr	15TCr	15TCr
Revenues Before Provison For Loan Losses	80TCr	86TCr	84TCr	81TCr	79TCr
Provision For Loan Losses	20TCr	20TCr	18TCr	15TCr	13TCr
Total Revenues	60TCr	66TCr	66TCr	66TCr	66TCr
Salaries And Other Employee Benefits	13TCr	14TCr	14TCr	14TCr	14TCr
Amort. of Goodwill & Intang. Assets	260.7Cr	312.5Cr	372.1Cr	442.9Cr	515.7Cr
Occupancy Expense	2.8TCr	2.88TCr	2.9TCr	2.85TCr	2.73TCr
Selling General & Admin Expenses, Total	-	-	-	-	-
(Income) Loss on Equity Invest.	-130.4Cr	-286.9Cr	-442.7Cr	-502.2Cr	-451.9Cr
Total Other Non Interest Expense	4.94TCr	6.49TCr	6.46TCr	6.43TCr	6.52TCr
Non Operating (Income) Expenses	-	-	-	-	-
Non Interest Expense, Total	21TCr	23TCr	24TCr	23TCr	24TCr
EBT, Excl. Unusual Items	40TCr	43TCr	43TCr	42TCr	42TCr
Impairment of Goodwill	-36Cr	-	-	-	-
Asset Writedown	-381Cr	-253.3Cr	-347.7Cr	-129.7Cr	-89Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	39TCr	42TCr	42TCr	42TCr	42TCr
Income Tax Expense	7.44TCr	7.47TCr	6.15TCr	5.68TCr	5.49TCr
Earnings From Continuing Operations	32TCr	35TCr	36TCr	37TCr	37TCr
Net Income to Company	32TCr	35TCr	36TCr	37TCr	37TCr
Minority Interest	-177.9Cr	-187.8Cr	-56Cr	-112.3Cr	-108.3Cr
Net Income - (IS)	32TCr	35TCr	36TCr	36TCr	37TCr
Preferred Dividend and Other Adjustments	883.9Cr	960.7Cr	1.48TCr	1.5TCr	1.5TCr
Net Income to Common Incl Extra Items	31TCr	34TCr	35TCr	35TCr	35TCr
Net Income to Common Excl. Extra Items	31TCr	34TCr	35TCr	35TCr	35TCr
Per Share Items
Net EPS - Basic	0.86	0.95	0.97	0.98	0.98
Basic EPS - Continuing Operations	0.86	0.95	0.97	0.98	0.98
Basic Weighted Average Shares Outstanding	36TCr	36TCr	36TCr	36TCr	36TCr
Net EPS - Diluted	0.86	0.95	0.97	0.98	0.98
Diluted EPS - Continuing Operations	0.86	0.95	0.97	0.98	0.98
Diluted Weighted Average Shares Outstanding	36TCr	36TCr	36TCr	36TCr	36TCr
Normalized Basic EPS	0.69	0.74	0.75	0.74	0.74
Normalized Diluted EPS	0.69	0.74	0.75	0.74	0.74
Dividend Per Share	0.27	0.29	0.3	0.31	0.31
Payout Ratio	32.45	29.97	33.11	33.83	33.94
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	18.98	17.58	14.56	13.47	13.01
Current Domestic Taxes	7.58TCr	8.12TCr	7.8TCr	5.98TCr	4.89TCr
Current Foreign Taxes	234.7Cr	195Cr	358.4Cr	521.1Cr	499.8Cr
Total Current Taxes	7.81TCr	8.32TCr	8.16TCr	6.51TCr	5.39TCr
Total Deferred Taxes	-370.4Cr	-849.4Cr	-2.01TCr	-820.3Cr	102Cr
Normalized Net Income	25TCr	27TCr	27TCr	26TCr	26TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	93TCr	63TCr	81TCr	1,62300Cr	1,19300Cr
Investment Securities, Total	9,34500Cr	9,93200Cr	11,30800Cr	12,93400Cr	15,04800Cr
Trading Asset Securities, Total	39TCr	35TCr	41TCr	45TCr	80TCr
Total investments	9,73600Cr	10,27800Cr	11,72000Cr	13,38100Cr	15,85300Cr
Gross Loans	18,62400Cr	20,66700Cr	23,21200Cr	26,08600Cr	28,37200Cr
Allowance For Loan Losses	-53TCr	-60TCr	-67TCr	-76TCr	-82TCr
Net Loans	18,09400Cr	20,06300Cr	22,54000Cr	25,33000Cr	27,55700Cr
Gross Property Plant And Equipment	51TCr	53TCr	56TCr	58TCr	60TCr
Accumulated Depreciation	-19TCr	-21TCr	-24TCr	-25TCr	-28TCr
Net Property Plant And Equipment	32TCr	32TCr	33TCr	33TCr	33TCr
Goodwill	858.6Cr	816.9Cr	879.9Cr	896.7Cr	1.92TCr
Other Intangibles, Total	1.62TCr	1.56TCr	1.49TCr	1.44TCr	1.4TCr
Accrued Interest Receivable	6.52TCr	6.67TCr	7.77TCr	8.38TCr	8.98TCr
Other Receivables	84TCr	60TCr	81TCr	51TCr	49TCr
Restricted Cash	2,60200Cr	2,45900Cr	2,64800Cr	2,83300Cr	2,63500Cr
Other Current Assets, Total	29TCr	28TCr	28TCr	15TCr	21TCr
Deferred Tax Assets Long-Term (Collected)	6.77TCr	7.93TCr	10TCr	10TCr	9TCr
Other Real Estate Owned And Foreclosed	735.7Cr	621.1Cr	620.4Cr	338.6Cr	321.2Cr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	37TCr	37TCr	26TCr	33TCr	34TCr
Total Assets	33,34500Cr	35,17100Cr	39,61000Cr	44,69700Cr	48,82200Cr
Liabilities
Accrued Expenses, Total	4.04TCr	4.92TCr	5.78TCr	6.07TCr	6.12TCr
Interest Bearing Deposits	26,94500Cr	28,14000Cr	31,76000Cr	35,46500Cr	37,93300Cr
Non-Interest Bearing Deposits	57TCr	66TCr	69TCr	74TCr	77TCr
Total Deposits	27,51600Cr	28,80100Cr	32,45300Cr	36,20800Cr	38,70800Cr
Short-Term Borrowings	90TCr	93TCr	1,19200Cr	1,62300Cr	2,29200Cr
Current Portion of Long-Term Debt	5.3TCr	3.74TCr	14TCr	23TCr	17TCr
Current Portion of Leases	809Cr	831.5Cr	892.3Cr	807.3Cr	674.1Cr
Long-Term Debt	81TCr	81TCr	91TCr	1,37700Cr	2,04100Cr
Long-Term Leases	2.17TCr	2TCr	1.97TCr	1.68TCr	1.42TCr
Current Income Taxes Payable	8.98TCr	9.24TCr	8.56TCr	6.33TCr	3.19TCr
Accrued Interest Payable	27TCr	36TCr	46TCr	54TCr	60TCr
Pension & Other Post Retirement Benefits	49Cr	3.2Cr	1.9Cr	1.2Cr	70L
Deferred Tax Liability Non-Current	288.1Cr	562.4Cr	380Cr	393Cr	427.8Cr
Other Non Current Liabilities	72TCr	78TCr	76TCr	79TCr	91TCr
Total Liabilities	30,43600Cr	31,89600Cr	36,09600Cr	40,92000Cr	44,83400Cr
Preferred Stock Convertible	14TCr	13TCr	13TCr	13TCr	13TCr
Preferred Stock - Others	-12Cr	-	-	-	-
Total Preferred Equity	14TCr	13TCr	13TCr	13TCr	13TCr
Common Stock, Total	36TCr	36TCr	36TCr	36TCr	36TCr
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	2,17300Cr	1,97800Cr	2,65700Cr	2,90200Cr	3,09300Cr
Comprehensive Income and Other	22TCr	79TCr	35TCr	36TCr	39TCr
Total Common Equity	2,75400Cr	3,12300Cr	3,36100Cr	3,62200Cr	3,83500Cr
Minority Interest	1.6TCr	1.75TCr	1.87TCr	1.97TCr	1.74TCr
Total Equity	2,91000Cr	3,27500Cr	3,51400Cr	3,77700Cr	3,98700Cr
Total Liabilities And Equity	33,34500Cr	35,17100Cr	39,61000Cr	44,69700Cr	48,82200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	36TCr	36TCr	36TCr	36TCr	36TCr
ECS Total Common Shares Outstanding	36TCr	36TCr	36TCr	36TCr	36TCr
Book Value / Share	7.48	8.15	8.81	9.55	10.23
Tangible Book Value	2,73000Cr	3,09900Cr	3,33700Cr	3,59900Cr	3,80200Cr
Tangible Book Value Per Share	7.42	8.08	8.75	9.48	10.14
Average Assets	32,41400Cr	34,74200Cr	37,94600Cr	42,41000Cr	46,88500Cr
Average Loans	17,97900Cr	19,99600Cr	22,24800Cr	25,00700Cr	27,60000Cr
Total Debt	1,79900Cr	1,80600Cr	2,27800Cr	3,25600Cr	4,52300Cr
Deposits at Interest - Cash	1,72600Cr	1,37400Cr	1,86100Cr	2,68900Cr	2,21800Cr
Net Debt	-51TCr	-7.01TCr	-611.4Cr	-23TCr	1,09400Cr
Equity Method Investments, Total	4.12TCr	6.18TCr	6.59TCr	6.48TCr	7.34TCr
Full Time Employees	4L	4L	4L	4L	4L
Number Of Offices	16.62T	16.59T	15.64T	15.5T	15.36T
Assets on Operating Lease - Gross	17TCr	18TCr	20TCr	20TCr	22TCr
Assets on Operating Lease - Accumulated Depreciation	-3.6TCr	-4.14TCr	-5.04TCr	-5.43TCr	-6.06TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	32TCr	35TCr	36TCr	36TCr	37TCr
Depreciation, Depletion & Amortization	2.7TCr	2.82TCr	3.03TCr	3.03TCr	2.96TCr
Amortization of Goodwill and Intangible Assets - (CF)	260.7Cr	312.5Cr	372.1Cr	442.9Cr	515.7Cr
Total Depreciation, Depletion & Amortization	2.97TCr	3.13TCr	3.4TCr	3.48TCr	3.47TCr
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-123.8Cr	-207.7Cr	-154.8Cr	-181.3Cr	-130.8Cr
(Gain) Loss on Sale of Investments - (CF)	-1.15TCr	-1.83TCr	-2.28TCr	-2.35TCr	-2.54TCr
Total Asset Writedown	1.8TCr	1.99TCr	5.08TCr	468.3Cr	-1.13TCr
Provision for Credit Losses	17TCr	17TCr	14TCr	14TCr	13TCr
(Income) Loss On Equity Investments - (CF)	-130.4Cr	-286.9Cr	-442.7Cr	-502.2Cr	-451.9Cr
Change in Trading Asset Securities	28TCr	14TCr	-4.52TCr	-2.67TCr	-19TCr
Change in Other Net Operating Assets (Collected)	-1,22500Cr	-1,28300Cr	-2,07200Cr	-2,27000Cr	-23TCr
Other Operating Activities	-24TCr	-27TCr	-29TCr	-34TCr	-35TCr
Cash from Operations	-66TCr	-86TCr	-1,85200Cr	-2,11700Cr	-29TCr
Capital Expenditure	-3.8TCr	-2.76TCr	-2.31TCr	-3.12TCr	-4.33TCr
Sale of Property, Plant, and Equipment	853.9Cr	1.3TCr	1TCr	752.7Cr	1.92TCr
Investment in Marketable and Equity Securities, Total	-1,35700Cr	-94TCr	-1,22400Cr	-1,22900Cr	-1,93400Cr
Other Investing Activities, Total	25TCr	28TCr	33TCr	36TCr	49TCr
Cash from Investing	-1,13500Cr	-67TCr	-91TCr	-89TCr	-1,47100Cr
Long-Term Debt Issued, Total	93TCr	84TCr	96TCr	1,42200Cr	2,09300Cr
Total Debt Issued	93TCr	84TCr	96TCr	1,42200Cr	2,09300Cr
Long-Term Debt Repaid, Total	-86TCr	-84TCr	-87TCr	-96TCr	-1,46400Cr
Total Debt Repaid	-86TCr	-84TCr	-87TCr	-96TCr	-1,46400Cr
Issuance of Common Stock	-	-	-	-	5TCr
Repurchase of Common Stock	-	-	-	-	-8TCr
Issuance of Preferred Stock	1.97TCr	14TCr	-	-	-
Repurchase of Preferred Stock	-	-1.12TCr	-	-	-
Common Dividends Paid	-9.72TCr	-9.84TCr	-11TCr	-12TCr	-12TCr
Preferred Dividends Paid	-527.9Cr	-604.7Cr	-579.7Cr	-584.2Cr	-581.9Cr
Common & Preferred Stock Dividends Paid	-10TCr	-10TCr	-12TCr	-12TCr	-12TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	2,22000Cr	1,22500Cr	3,25700Cr	3,53400Cr	87TCr
Other Financing Activities, Total	-3.31TCr	-3.46TCr	-3.07TCr	-5.7TCr	-5.91TCr
Cash from Financing	2,17300Cr	1,21300Cr	3,19200Cr	3,82000Cr	1,28800Cr
Foreign Exchange Rate Adjustments	-3.49TCr	-2.91TCr	6.08TCr	1.83TCr	1.13TCr
Net Change in Cash	34TCr	-35TCr	49TCr	83TCr	-47TCr
Supplemental Items
Cash Interest Paid	42TCr	38TCr	48TCr	67TCr	73TCr
Cash Income Tax Paid (Refund)	8.46TCr	8.27TCr	8.85TCr	8.73TCr	8.53TCr
Net Debt Issued / Repaid	6.89TCr	-118.2Cr	8.53TCr	47TCr	63TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1	1.02	0.97	0.87	0.78
Return On Equity %	11.34	11.33	10.64	10.01	9.45
Return on Common Equity	11.56	11.26	10.66	10	9.41
Shareholders Value Added	-15Cr	-953.56Cr	-2.48TCr	-5.06TCr	-7.64TCr
Margin Analysis
SG&A Margin	25.69	25.45	26.04	25.87	26.02
Net Interest Income / Total Revenues %	107.51	104.52	104.71	99.71	96.52
EBT Excl. Non-Recurring Items Margin %	65.88	64.68	64.31	64.43	64.01
Income From Continuing Operations Margin %	52.81	53	54.5	55.58	55.57
Net Income Margin %	52.51	52.72	54.41	55.41	55.4
Net Avail. For Common Margin %	51.04	51.26	52.18	53.13	53.14
Normalized Net Income Margin	40.88	40.14	40.11	40.1	39.84
Asset quality
Nonperforming Loans / Total Loans %	1.58	1.42	1.38	1.36	1.34
Nonperforming Loans / Total Assets %	0.88	0.83	0.81	0.79	0.78
Nonperforming Assets / Total Assets %	0.9	0.85	0.83	0.8	0.78
NPAs / Loans and OREO	1.62	1.45	1.41	1.37	1.35
NPAs / Equity	10.36	9.15	9.32	9.45	9.6
Allowance for Credit Losses / Net Charge-offs %	459.74	656.42	888.86	1.3T	1.14T
Allowance for Credit Losses / Nonperforming Loans %	180.39	205.76	209.3	213.86	214.8
Allowance for Credit Losses / Total Loans %	2.85	2.92	2.9	2.9	2.87
Net Charge-offs / Total Average Loans %	0.64	0.46	0.34	0.23	0.26
Provision for Loan Losses / Net Charge-offs %	172.09	217.54	236.61	257.45	176.42
Earning Assets / IBL	112.83	113.24	111.82	110.81	110.37
Interest Income / Average Assets	3.37	3.35	3.37	3.31	3.05
Interest Expense / Average Assets	1.38	1.36	1.55	1.77	1.69
Net Interest Income / Average Assets	2	1.99	1.83	1.54	1.36
Non Interest Income / Average Assets	0.47	0.49	0.39	0.36	0.32
Non Interest Expense / Average Asset	0.63	0.67	0.62	0.55	0.51
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.37	8.78	8.67	8.28	7.97
Total Average Equity / Total Average Assets %	8.83	9.03	9.08	8.65	8.3
Total Equity + Allowance for Loan Losses / Total Loans %	18.38	18.68	17.95	17.3	16.86
Gross Loans / Total Deposits %	67.68	71.76	71.53	72.05	73.3
Net Loans / Total Deposits %	65.76	69.66	69.45	69.96	71.19
Tier 1 Capital Ratio %	14.28	14.94	15.64	15.17	15.36
Total Capital Ratio %	16.88	18.02	19.26	19.1	19.39
Core Tier 1 Capital Ratio	13.18	13.31	14.04	13.72	14.1
Tier 2 Capital Ratio	2.6	3.08	3.62	3.94	4.03
Coverage Ratio	180.39	205.76	209.3	213.86	214.8
Interbank Ratio	59.17	45.35	50.7	53.35	39.74
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.88	1.9	1.72	1.56	1.53
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.3	6.79	0.44	-5.34	-2.69
Non Interest Income, 1 Yr. Growth %	6.62	11.02	-13.19	0.72	-1.8
Provision For Loan Losses, 1 Yr. Growth %	13.12	0.62	-11.69	-16.56	-15.5
Total Revenues, 1 Yr. Growth %	0.18	9.91	0.64	-0.94	0.42
Earnings From Cont. Operations, 1 Yr. Growth %	1.38	10.24	3.09	0.83	0.5
Net Income, 1 Yr. Growth %	1.18	10.27	3.49	0.79	0.51
Normalized Net Income, 1 Yr. Growth %	0	7.97	0.77	-1.21	-0.11
Diluted EPS Before Extra, 1 Yr. Growth %	0	10.47	2.09	0.96	0.07
Dividend Per Share, 1 Yr. Growth %	1.22	10.26	3.48	0.96	0.52
Gross Loans, 1 Yr. Growth %	11.11	10.97	12.31	12.39	8.76
Allowance For Loan Losses, 1 Yr. Growth %	10.83	13.85	11.34	12.46	7.81
Net Loans, 1 Yr. Growth %	11.12	10.88	12.34	12.39	8.79
Non Performing Loans, 1 Yr. Growth %	22.4	-0.19	9.45	10.07	7.34
Non Performing Assets, 1 Yr. Growth %	20	-0.56	9.26	9.96	7.22
Total Assets, 1 Yr. Growth %	10.75	5.48	12.62	12.84	9.23
Total Deposits, 1 Yr Growth %	10.64	4.67	12.68	11.57	6.9
Tangible Book Value, 1 Yr. Growth %	7.87	8.04	7.66	7.82	5.65
Average Interest Earning Assets, 1 Yr. Growth %	9.56	8.66	10.57	12.74	10.58
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.54	8.26	11.98	13.68	11.02
Common Equity, 1 Yr. Growth %	7.73	7.94	7.6	7.76	5.88
Total Equity, 1 Yr. Growth %	8.08	12.57	7.28	7.43	5.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.29	4.52	3.56	-2.62	-4.02
Non Interest Income, 2 Yr. CAGR %	-12.72	8.8	-1.83	-5.67	-0.55
Provision For Loan Losses, 2 Yr. CAGR %	11.91	6.78	-5.14	-14.1	-16.23
Total Revenues, 2 Yr. CAGR %	-1.12	4.9	4.97	-0.1	-0.21
Earnings From Cont. Operations, 2 Yr. CAGR %	3.12	5.72	6.61	2.11	0.67
Net Income, 2 Yr. CAGR %	3.02	5.63	6.82	2.22	0.65
Normalized Net Income, 2 Yr. CAGR %	2.59	3.86	4	-0.05	-0.66
Diluted EPS Before Extra, 2 Yr. CAGR %	2.41	5.1	6.2	1.53	0.51
Dividend Per Share, 2 Yr. CAGR %	3.03	5.64	6.82	2.21	0.74
Gross Loans, 2 Yr. CAGR %	8.89	11.04	11.64	12.35	10.56
Allowance For Loan Losses, 2 Yr. CAGR %	13.27	12.33	12.59	11.9	10.11
Net Loans, 2 Yr. CAGR %	8.77	11	11.61	12.36	10.58
Non Performing Loans, 2 Yr. CAGR %	11.83	10.53	4.52	9.76	8.7
Non Performing Assets, 2 Yr. CAGR %	11.03	9.24	4.23	9.14	8.58
Total Assets, 2 Yr. CAGR %	9.72	8.08	8.99	12.73	11.02
Total Deposits, 2 Yr CAGR %	9.73	7.61	8.6	12.12	9.21
Tangible Book Value, 2 Yr. CAGR %	10.86	10.67	7.85	7.76	6.73
Average Interest Earning Assets, 2 Yr. CAGR %	9.94	9.11	9.61	11.6	11.66
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.02	8.4	10.1	12.82	12.34
Common Equity, 2 Yr. CAGR %	10.63	10.52	7.77	7.69	6.81
Total Equity, 2 Yr. CAGR %	11.39	10.3	9.9	7.38	6.5
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.4	6.45	3.14	0.42	-2.64
Non Interest Income, 3 Yr. CAGR %	-9.34	-5.44	0.91	-0.41	-4.4
Provision For Loan Losses, 3 Yr. CAGR %	15.99	8.08	0.65	-9.07	-14.7
Total Revenues, 3 Yr. CAGR %	0.05	2.41	3.33	3	0.11
Earnings From Cont. Operations, 3 Yr. CAGR %	3.39	5.44	4.83	4.75	1.57
Net Income, 3 Yr. CAGR %	3.36	5.38	4.91	4.84	1.65
Normalized Net Income, 3 Yr. CAGR %	2.86	4.32	2.62	2.35	-0.07
Diluted EPS Before Extra, 3 Yr. CAGR %	2.87	5.03	4.09	4.43	1.04
Dividend Per Share, 3 Yr. CAGR %	3.37	5.38	4.92	4.83	1.64
Gross Loans, 3 Yr. CAGR %	9.38	9.58	11.46	11.89	11.14
Allowance For Loan Losses, 3 Yr. CAGR %	15.92	13.46	12	12.55	10.52
Net Loans, 3 Yr. CAGR %	9.21	9.47	11.45	11.87	11.16
Non Performing Loans, 3 Yr. CAGR %	9.98	7.67	10.17	6.34	8.95
Non Performing Assets, 3 Yr. CAGR %	9.48	7.02	9.24	5.8	8.49
Total Assets, 3 Yr. CAGR %	8.53	8.29	9.57	10.26	11.55
Total Deposits, 3 Yr CAGR %	9.36	8.01	9.28	9.58	10.36
Tangible Book Value, 3 Yr. CAGR %	10.58	11.75	9.66	7.85	7.05
Average Interest Earning Assets, 3 Yr. CAGR %	8.6	9.51	9.59	10.61	11.26
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.21	8.1	9.58	11.28	12.22
Common Equity, 3 Yr. CAGR %	10.38	11.54	9.54	7.78	7.09
Total Equity, 3 Yr. CAGR %	10.76	11.78	9.29	9.08	6.78
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.95	7.92	5.85	2.73	0.16
Non Interest Income, 5 Yr. CAGR %	-0.9	0.11	-6.41	-5.53	0.68
Provision For Loan Losses, 5 Yr. CAGR %	18.2	18.36	7.06	-1.16	-6.45
Total Revenues, 5 Yr. CAGR %	0.66	3.55	1.98	1.32	1.92
Earnings From Cont. Operations, 5 Yr. CAGR %	2.73	4.64	4.66	4.1	3.21
Net Income, 5 Yr. CAGR %	2.65	4.6	4.73	4.1	3.22
Normalized Net Income, 5 Yr. CAGR %	1.67	3.21	3.3	2.43	1.36
Diluted EPS Before Extra, 5 Yr. CAGR %	2.19	4.34	4.19	3.61	2.65
Dividend Per Share, 5 Yr. CAGR %	2.66	4.59	4.74	4.1	3.22
Gross Loans, 5 Yr. CAGR %	9.31	9.62	10.28	10.68	11.1
Allowance For Loan Losses, 5 Yr. CAGR %	13.57	15.84	14.57	12.83	11.24
Net Loans, 5 Yr. CAGR %	9.2	9.46	10.16	10.62	11.1
Non Performing Loans, 5 Yr. CAGR %	10.37	6.74	7.76	8.5	9.58
Non Performing Assets, 5 Yr. CAGR %	10.09	6.37	7.35	7.86	8.79
Total Assets, 5 Yr. CAGR %	8.47	7.82	8.71	10.04	10.15
Total Deposits, 5 Yr CAGR %	8.52	8.03	9.06	9.64	9.25
Tangible Book Value, 5 Yr. CAGR %	10.18	10.73	10.57	10.13	8.48
Average Interest Earning Assets, 5 Yr. CAGR %	7.9	8.38	9	10.34	10.4
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.26	7.6	8.36	9.96	10.68
Common Equity, 5 Yr. CAGR %	10	10.56	10.41	9.99	8.45
Total Equity, 5 Yr. CAGR %	10.07	10.58	10.42	10	8.17