Cash flow INT SANPAOLO RISP Borsa Italiana

Stocks

ISPR

Banks

Delayed Borsa Italiana			5-day change	1st Jan Change
- ^EUR	-.--%		-3.84%	-

09:12am	Moody's Expects No Immediate Rating Implications for Banca MPS in Offer for Banco BPM, Banca Generali	MT
25/08	Risk-on on the MIB, led higher by Prysmian and Tenaris	AN

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Published financial data: INT SANPAOLO RISP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.05TCr	1.32TCr	3.25TCr	3.46TCr	2.78TCr
Interest Income On Investments	16Cr	22Cr	66Cr	80Cr	109.4Cr
Interest Income, Total	1.06TCr	1.35TCr	3.32TCr	3.54TCr	2.89TCr
Interest On Deposits	248Cr	354.7Cr	1.56TCr	1.65TCr	1.04TCr
Interest Expense, Total	248Cr	354.7Cr	1.56TCr	1.65TCr	1.04TCr
Net Interest Income	815.4Cr	991Cr	1.76TCr	1.89TCr	1.84TCr
Income From Trading Activities	50Cr	-15Cr	51Cr	49Cr	102.4Cr
Gain (Loss) on Sale of Loans	20Cr	17Cr	-5.8Cr	5Cr	21Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	572.5Cr	171.7Cr	203.3Cr	263.6Cr	204.2Cr
Total Other Non Interest Income	634.7Cr	940.5Cr	443.2Cr	443.8Cr	540.9Cr
Non Interest Income, Total	1.28TCr	1.11TCr	692Cr	761.7Cr	868.3Cr
Revenues Before Provison For Loan Losses	2.09TCr	2.1TCr	2.45TCr	2.65TCr	2.71TCr
Provision For Loan Losses	281.3Cr	257.9Cr	135.9Cr	113.1Cr	176.9Cr
Total Revenues	1.81TCr	1.85TCr	2.32TCr	2.54TCr	2.53TCr
Salaries And Other Employee Benefits	658.6Cr	670.6Cr	658.8Cr	677.3Cr	662Cr
Amort. of Goodwill & Intang. Assets	79Cr	86Cr	81Cr	86Cr	92Cr
Occupancy Expense	62Cr	64Cr	60Cr	58Cr	53Cr
Selling General & Admin Expenses, Total	494.1Cr	486.8Cr	483.1Cr	330.6Cr	309.4Cr
(Income) Loss on Equity Invest.	-14Cr	-23Cr	-16Cr	3.2Cr	27Cr
Total Other Non Interest Expense	-61Cr	-59Cr	-59Cr	73Cr	46Cr
Non Interest Expense, Total	1.22TCr	1.22TCr	1.21TCr	1.23TCr	1.19TCr
EBT, Excl. Unusual Items	593.8Cr	622.4Cr	1.11TCr	1.31TCr	1.34TCr
Restructuring Charges	-38Cr	-17Cr	-31Cr	-83Cr	-49Cr
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-6.5Cr	-7.6Cr	-6.3Cr	-6.7Cr	-7.9Cr
Insurance Settlements	-	-	-	-	-
Legal Settlements	-22Cr	-	-	-9.2Cr	-8.3Cr
Other Unusual Items	-9.3Cr	2.8Cr	3.6Cr	-4.1Cr	-13Cr
EBT, Incl. Unusual Items	518.1Cr	600.7Cr	1.07TCr	1.21TCr	1.26TCr
Income Tax Expense	113.8Cr	163Cr	299.4Cr	339.9Cr	330.4Cr
Earnings From Continuing Operations	404.3Cr	437.7Cr	775.2Cr	865.9Cr	934.1Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	404.3Cr	437.7Cr	775.2Cr	865.9Cr	934.1Cr
Minority Interest	14Cr	-2.3Cr	-2.8Cr	70L	-2Cr
Net Income - (IS)	418.5Cr	435.4Cr	772.4Cr	866.6Cr	932.1Cr
Net Income to Common Incl Extra Items	418.5Cr	435.4Cr	772.4Cr	866.6Cr	932.1Cr
Net Income to Common Excl. Extra Items	418.5Cr	435.4Cr	772.4Cr	866.6Cr	932.1Cr
Per Share Items
Net EPS - Basic	0.22	0.23	0.42	0.48	0.53
Basic EPS - Continuing Operations	0.22	0.23	0.42	0.48	0.53
Basic Weighted Average Shares Outstanding	1.94TCr	1.93TCr	1.84TCr	1.8TCr	1.76TCr
Net EPS - Diluted	0.22	0.23	0.42	0.48	0.53
Diluted EPS - Continuing Operations	0.22	0.23	0.42	0.48	0.53
Diluted Weighted Average Shares Outstanding	1.94TCr	1.93TCr	1.84TCr	1.8TCr	1.76TCr
Normalized Basic EPS	0.2	0.2	0.38	0.45	0.48
Normalized Diluted EPS	0.2	0.2	0.38	0.45	0.48
Dividend Per Share	0.25	0.16	0.3	0.34	0.38
Payout Ratio	96.56	68.12	55.58	67.27	67.85
American Depositary Receipts Ratio (ADR)	6	6	6	6	6
Supplemental Items
Effective Tax Rate - (Ratio)	21.96	27.14	27.86	28.19	26.13
Total Current Taxes	-50Cr	24Cr	169.7Cr	158.2Cr	268Cr
Total Deferred Taxes	163.8Cr	138.7Cr	129.7Cr	181.7Cr	62Cr
Normalized Net Income	385.32Cr	386.7Cr	689.7Cr	818.82Cr	837.19Cr
Non-Cash Pension Expense	1Cr	1.8Cr	3.9Cr	3.4Cr	2.5Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	22Cr	15Cr	16Cr	15Cr	14Cr
Total Stock-Based Compensation	22Cr	15Cr	16Cr	15Cr	14Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.48TCr	11TCr	8.93TCr	4.05TCr	3.79TCr
Investment Securities, Total	31TCr	25TCr	28TCr	30TCr	33TCr
Trading Asset Securities, Total	5.06TCr	4.37TCr	3.95TCr	4.43TCr	4.76TCr
Total investments	36TCr	30TCr	32TCr	34TCr	38TCr
Gross Loans	52TCr	50TCr	49TCr	48TCr	48TCr
Allowance For Loan Losses	-1.06TCr	-776.4Cr	-739.2Cr	-715.5Cr	-586.7Cr
Net Loans	51TCr	50TCr	48TCr	47TCr	48TCr
Gross Property Plant And Equipment	1.87TCr	1.88TCr	1.8TCr	1.77TCr	1.72TCr
Accumulated Depreciation	-874.9Cr	-905.4Cr	-902.8Cr	-942.4Cr	-942.4Cr
Net Property Plant And Equipment	999.4Cr	973.5Cr	893.8Cr	825.4Cr	780.4Cr
Goodwill	357.4Cr	362.6Cr	367.2Cr	369.7Cr	369.9Cr
Other Intangibles, Total	576.8Cr	620.4Cr	585.2Cr	616.3Cr	630.4Cr
Investment in Real Estate	80Cr	77Cr	89Cr	77Cr	84Cr
Loans Held For Sale	-	-	-	-	-
Other Receivables	1.26TCr	418.8Cr	259.7Cr	228.6Cr	167.7Cr
Restricted Cash	13TCr	542.7Cr	770.1Cr	774Cr	774.8Cr
Other Current Assets, Total	142.2Cr	64Cr	26Cr	67Cr	106.5Cr
Deferred Tax Assets Long-Term (Collected)	1.53TCr	1.48TCr	1.26TCr	1.13TCr	1.05TCr
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	611.8Cr	2.25TCr	3.15TCr	3.39TCr	2.75TCr
Total Assets	1,06900Cr	98TCr	96TCr	93TCr	96TCr
Liabilities
Accounts Payable, Total	227.2Cr	188.4Cr	168.7Cr	175.2Cr	183.3Cr
Accrued Expenses, Total	563.9Cr	408.7Cr	440.1Cr	263.8Cr	223.1Cr
Interest Bearing Deposits	12TCr	11TCr	8.09TCr	8.61TCr	8.8TCr
Non-Interest Bearing Deposits	43TCr	42TCr	37TCr	37TCr	37TCr
Total Deposits	54TCr	53TCr	45TCr	45TCr	46TCr
Short-Term Borrowings	5.06TCr	4.8TCr	6.89TCr	7.57TCr	10TCr
Long-Term Debt	24TCr	21TCr	20TCr	16TCr	15TCr
Long-Term Leases	139.4Cr	132.1Cr	121.7Cr	109.7Cr	105.3Cr
Current Income Taxes Payable	36Cr	30Cr	46Cr	38Cr	86Cr
Other Current Liabilities - (Bank / Utility Template)	2.58TCr	1TCr	1.1TCr	866Cr	640.5Cr
Unearned Revenue Non Current	94Cr	93Cr	-	-	-
Pension & Other Post Retirement Benefits	138.9Cr	99Cr	86Cr	80Cr	67Cr
Deferred Tax Liability Non-Current	192.2Cr	200.9Cr	148.8Cr	171.4Cr	201.6Cr
Other Non Current Liabilities	13TCr	11TCr	16TCr	17TCr	17TCr
Total Liabilities	1,00500Cr	91TCr	90TCr	87TCr	89TCr
Common Stock, Total	1.01TCr	1.04TCr	1.04TCr	1.04TCr	1.04TCr
Additional Paid In Capital	2.73TCr	2.81TCr	2.8TCr	2.76TCr	2.43TCr
Retained Earnings	1.94TCr	1.79TCr	1.88TCr	1.97TCr	2.32TCr
Treasury Stock	-14Cr	-12Cr	-14Cr	-18Cr	-24Cr
Comprehensive Income and Other	713.8Cr	548Cr	692.5Cr	767.8Cr	765.7Cr
Total Common Equity	6.38TCr	6.17TCr	6.4TCr	6.52TCr	6.52TCr
Minority Interest	29Cr	17Cr	16Cr	14Cr	15Cr
Total Equity	6.41TCr	6.18TCr	6.41TCr	6.53TCr	6.54TCr
Total Liabilities And Equity	1,06900Cr	98TCr	96TCr	93TCr	96TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.94TCr	1.9TCr	1.83TCr	1.78TCr	1.74TCr
ECS Total Common Shares Outstanding	1.94TCr	1.9TCr	1.83TCr	1.78TCr	1.74TCr
Book Value / Share	3.29	3.25	3.5	3.67	3.75
Tangible Book Value	5.44TCr	5.18TCr	5.44TCr	5.53TCr	5.52TCr
Tangible Book Value Per Share	2.81	2.73	2.98	3.11	3.18
Total Debt	29TCr	26TCr	27TCr	23TCr	25TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	145.1Cr	98Cr	81Cr	68Cr	56Cr
Net Debt	19TCr	7.37TCr	11TCr	11TCr	12TCr
Equity Method Investments, Total	165.2Cr	201.3Cr	250.1Cr	303.6Cr	273.5Cr
Full Time Employees	97.7T	95.57T	94.37T	90.92T	88.07T
Number Of Offices	4.72T	4.56T	4.26T	3.92T	3.57T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	418.5Cr	435.4Cr	772.4Cr	866.6Cr	932.1Cr
Depreciation, Depletion & Amortization	69Cr	65Cr	64Cr	67Cr	57Cr
Amortization of Goodwill and Intangible Assets - (CF)	26Cr	86Cr	80Cr	5.8Cr	5.4Cr
Total Depreciation, Depletion & Amortization	95Cr	151.2Cr	143.7Cr	72Cr	62Cr
Amortization of Deferred Charges, Total	63Cr	-	-	102.1Cr	110.4Cr
(Gain) Loss on Sale of Investments - (CF)	-175.5Cr	53Cr	-174.3Cr	114.8Cr	-353Cr
Total Asset Writedown	4.4Cr	2.8Cr	3.8Cr	4.4Cr	5.8Cr
Restructuring Activities	-	16Cr	21Cr	-	4.6Cr
Provision for Credit Losses	362.1Cr	314.7Cr	178Cr	156.8Cr	233.8Cr
Change in Trading Asset Securities	-417Cr	1.66TCr	-1.22TCr	-782.9Cr	-1.75TCr
Change in Other Net Operating Assets (Collected)	212.1Cr	7.45TCr	-1.75TCr	-5.12TCr	742.1Cr
Other Operating Activities	318Cr	143.5Cr	290.2Cr	565.5Cr	832.7Cr
Cash from Operations	880.5Cr	10TCr	-1.73TCr	-4.02TCr	823.5Cr
Capital Expenditure	-78Cr	-58Cr	-33Cr	-29Cr	-28Cr
Sale of Property, Plant, and Equipment	9.6Cr	7.8Cr	63Cr	7.9Cr	9.3Cr
Cash Acquisitions	-45Cr	107.2Cr	-	15Cr	-
Divestitures	-	-	-	-	15Cr
Purchase / Sale of Intangible Assets	-109.9Cr	-126.9Cr	-124.8Cr	-137.9Cr	-137.4Cr
Investment in Marketable and Equity Securities, Total	-5Cr	7.8Cr	29Cr	13Cr	12Cr
Other Investing Activities, Total	4.8Cr	7.9Cr	7.3Cr	5.3Cr	5.8Cr
Cash from Investing	-222.6Cr	-54Cr	-59Cr	-124.7Cr	-122.6Cr
Issuance of Common Stock	-	62Cr	42Cr	36Cr	-
Repurchase of Common Stock	-153.8Cr	-111.8Cr	-170.9Cr	-173.6Cr	-346.4Cr
Common Dividends Paid	-404.1Cr	-296.6Cr	-429.3Cr	-583Cr	-632.4Cr
Common & Preferred Stock Dividends Paid	-404.1Cr	-296.6Cr	-429.3Cr	-583Cr	-632.4Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-1.4Cr	-5Cr	-70L	2.3Cr	-
Cash from Financing	-559.3Cr	-351.8Cr	-559.2Cr	-718.8Cr	-978.8Cr
Foreign Exchange Rate Adjustments	3.7Cr	-5.2Cr	-14Cr	-12Cr	11Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	102.3Cr	9.82TCr	-2.37TCr	-4.87TCr	-266.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.39	0.43	0.8	0.91	0.99
Return On Equity %	6.2	6.95	12.36	13.38	14.29
Return on Common Equity	6.46	6.94	12.35	13.42	14.3
Shareholders Value Added	-309.35Cr	-220.82Cr	121.29Cr	149.57Cr	185.84Cr
Margin Analysis
SG&A Margin	67.03	66.1	51.92	42.02	40.46
Net Interest Income / Total Revenues %	45.01	53.65	75.99	74.44	72.69
EBT Excl. Non-Recurring Items Margin %	32.78	33.7	47.85	51.58	53.03
Income From Continuing Operations Margin %	22.32	23.7	33.48	34.12	36.89
Net Income Margin %	23.1	23.57	33.35	34.15	36.82
Net Avail. For Common Margin %	23.1	23.57	33.35	34.15	36.82
Normalized Net Income Margin	21.27	20.94	29.78	32.27	33.07
Asset quality
Nonperforming Loans / Total Loans %	2.93	2.11	2.02	2.02	1.56
Nonperforming Loans / Total Assets %	1.43	1.09	1.03	1.04	0.79
Nonperforming Assets / Total Assets %	1.43	1.09	1.03	1.04	0.79
NPAs / Loans and OREO	2.93	2.11	2.02	2.02	1.56
NPAs / Equity	23.8	17.21	15.43	14.9	11.57
Allowance for Credit Losses / Net Charge-offs %	732.9	994.11	1.44T	918.49	651.17
Allowance for Credit Losses / Nonperforming Loans %	69.83	72.96	74.7	73.51	77.55
Allowance for Credit Losses / Total Loans %	2.05	1.54	1.51	1.48	1.21
Provision for Loan Losses / Net Charge-offs %	193.6	330.22	264.4	145.19	196.34
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.26	6.13	6.45	6.81	6.89
Total Average Equity / Total Average Assets %	6.29	6.16	6.47	6.82	6.9
Total Equity + Allowance for Loan Losses / Total Loans %	14.31	13.75	14.58	15.01	14.67
Gross Loans / Total Deposits %	95.68	95.83	108.92	106.81	105.16
Net Loans / Total Deposits %	93.72	94.36	107.28	105.22	103.89
Tier 1 Capital Ratio %	16.4	16.2	16.3	15.8	15.6
Total Capital Ratio %	19.1	19.1	19.2	19	18.7
Core Tier 1 Capital Ratio	14.5	13.8	13.7	13.3	13.2
Tier 2 Capital Ratio	2.74	2.84	2.91	3.22	3.07
Coverage Ratio	69.83	72.96	74.7	73.51	77.55
Interbank Ratio	119.18	67.67	47.32	71.08	73.22
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.09	2.69	1.69	1.73	2.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.3	21.54	40.99	7.35	-2.57
Non Interest Income, 1 Yr. Growth %	17.96	-12.81	-14.6	10.07	14
Provision For Loan Losses, 1 Yr. Growth %	-35.11	-8.32	-47.31	-16.78	56.41
Total Revenues, 1 Yr. Growth %	26.57	1.95	28.62	9.58	-0.23
Earnings From Cont. Operations, 1 Yr. Growth %	88.13	8.26	76.1	11.7	7.88
Net Income, 1 Yr. Growth %	27.71	4.04	76.39	12.2	7.56
Normalized Net Income, 1 Yr. Growth %	135.56	1.11	75.99	18.15	3.24
Diluted EPS Before Extra, 1 Yr. Growth %	84	4.37	85.26	14.29	10.42
Dividend Per Share, 1 Yr. Growth %	601.96	-34.6	80.6	15.2	10.26
Gross Loans, 1 Yr. Growth %	1.71	-2.95	-3.03	-1.58	0.55
Allowance For Loan Losses, 1 Yr. Growth %	-	-27.09	-4.79	-5.72	-18
Net Loans, 1 Yr. Growth %	-0.37	-2.45	-3.01	-1.52	0.83
Non Performing Loans, 1 Yr. Growth %	-27.03	-30.21	-7.01	-2.06	-22.27
Non Performing Assets, 1 Yr. Growth %	-27.03	-30.21	-7.01	-2.06	-22.27
Total Assets, 1 Yr. Growth %	6.62	-8.73	-1.13	-3.14	2.85
Total Deposits, 1 Yr Growth %	8.22	-3.11	-11.68	0.43	2.13
Tangible Book Value, 1 Yr. Growth %	-5.62	-4.79	4.96	1.61	-0.17
Common Equity, 1 Yr. Growth %	-3.18	-3.32	4.68	1.9	0.08
Total Equity, 1 Yr. Growth %	-3.4	-3.5	4.66	1.86	0.09
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.61	12.59	46.9	23.03	2.27
Non Interest Income, 2 Yr. CAGR %	7.99	1.42	-26.4	-3.05	12.02
Provision For Loan Losses, 2 Yr. CAGR %	13.88	-22.87	-30.49	-33.78	14.09
Total Revenues, 2 Yr. CAGR %	6.99	13.6	13.06	18.72	4.56
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.79	42.72	38.47	40.25	9.77
Net Income, 2 Yr. CAGR %	0.04	15.27	35.85	40.68	9.85
Normalized Net Income, 2 Yr. CAGR %	2.84	53.75	34.29	44.55	9.91
Diluted EPS Before Extra, 2 Yr. CAGR %	-4.27	38.58	39.45	45.51	12.33
Dividend Per Share, 2 Yr. CAGR %	-	114.27	8.68	44.24	12.71
Gross Loans, 2 Yr. CAGR %	12.23	-0.65	-2.99	-2.29	-0.52
Allowance For Loan Losses, 2 Yr. CAGR %	-	-	-16.68	-4	-12.07
Net Loans, 2 Yr. CAGR %	11.08	-1.41	-2.72	-2.27	-0.35
Non Performing Loans, 2 Yr. CAGR %	-30.2	-28.64	-19.44	-4.37	-12.75
Non Performing Assets, 2 Yr. CAGR %	-	-28.64	-19.44	-4.37	-12.75
Total Assets, 2 Yr. CAGR %	14.45	-1.35	-5.06	-2.14	-0.19
Total Deposits, 2 Yr CAGR %	15.7	2.4	-9.08	-5.83	1.28
Tangible Book Value, 2 Yr. CAGR %	7.9	-5.21	0.01	3.27	0.72
Common Equity, 2 Yr. CAGR %	6.75	-3.25	0.15	3.28	0.98
Total Equity, 2 Yr. CAGR %	6.75	-3.45	0.05	3.25	0.97
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.12	12.07	31.05	32.32	13.82
Non Interest Income, 3 Yr. CAGR %	6.72	0.56	-13.87	-15.84	2.33
Provision For Loan Losses, 3 Yr. CAGR %	3.91	5.94	-32.07	-26.19	-11.81
Total Revenues, 3 Yr. CAGR %	5.47	5.28	17.39	11.89	12.03
Earnings From Cont. Operations, 3 Yr. CAGR %	0.16	2.14	53.36	28.9	28.5
Net Income, 3 Yr. CAGR %	1.1	1.35	33.08	27.46	28.64
Normalized Net Income, 3 Yr. CAGR %	3.94	2.01	61.55	28.89	28.79
Diluted EPS Before Extra, 3 Yr. CAGR %	-3.07	-1.47	52.95	30.5	32.72
Dividend Per Share, 3 Yr. CAGR %	8.35	-	102.4	10.81	31.89
Gross Loans, 3 Yr. CAGR %	9.67	6.93	-1.45	-2.51	-1.35
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	-12.41	-8.92
Net Loans, 3 Yr. CAGR %	8.92	6.37	-1.95	-2.32	-1.24
Non Performing Loans, 3 Yr. CAGR %	-25.23	-30.2	-22.06	-13.9	-10.75
Non Performing Assets, 3 Yr. CAGR %	-	-	-22.06	-13.9	-10.75
Total Assets, 3 Yr. CAGR %	10.71	6.13	-1.32	-4.42	-0.51
Total Deposits, 3 Yr CAGR %	13.4	9.05	-3.65	-6.02	-3.25
Tangible Book Value, 3 Yr. CAGR %	6.64	3.49	-1.91	0.54	2.11
Common Equity, 3 Yr. CAGR %	5.69	3.28	-0.98	0.73	2.2
Total Equity, 3 Yr. CAGR %	5.64	3.22	-1.12	0.65	2.19
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.12	7.76	18.8	21.82	18.68
Non Interest Income, 5 Yr. CAGR %	11.99	3.26	-8.02	-7.01	-4.32
Provision For Loan Losses, 5 Yr. CAGR %	-1.45	-0.56	-11.53	-12.21	-16.41
Total Revenues, 5 Yr. CAGR %	6.37	6.23	8.44	9.9	12.08
Earnings From Cont. Operations, 5 Yr. CAGR %	12.81	-9.86	14.01	16.08	34.16
Net Income, 5 Yr. CAGR %	6.11	-9.86	13.78	15.69	23.25
Normalized Net Income, 5 Yr. CAGR %	13.49	-9.37	14.98	17.58	38.62
Diluted EPS Before Extra, 5 Yr. CAGR %	11.27	-12.37	12.11	15.29	35.19
Dividend Per Share, 5 Yr. CAGR %	7.08	-4.19	8.48	-	60.14
Gross Loans, 5 Yr. CAGR %	6.22	4.63	4.42	3.14	-1.07
Allowance For Loan Losses, 5 Yr. CAGR %	-18.82	-	-	-	-
Net Loans, 5 Yr. CAGR %	7.53	4.31	4.1	2.83	-1.31
Non Performing Loans, 5 Yr. CAGR %	-23.48	-27.21	-22.96	-20.83	-18.39
Non Performing Assets, 5 Yr. CAGR %	-	-	-	-	-18.39
Total Assets, 5 Yr. CAGR %	8.07	4.13	4.11	2.72	-0.87
Total Deposits, 5 Yr CAGR %	10.65	7.01	3.81	2.13	-1.71
Tangible Book Value, 5 Yr. CAGR %	5.57	1.35	3.94	3.42	-0.87
Common Equity, 5 Yr. CAGR %	5.45	1.87	3.44	3.09	-0.2
Total Equity, 5 Yr. CAGR %	5.37	1.78	3.36	3.05	-0.29