Income Statement Julius Bär Gruppe AG

Stocks

BAER

CH0102484968

Banks

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14/07	Julius Baer Announces Appointment of Phoenix Ma as Head of Services and Solutions for Intermediaries' Business in Asia	CI
08/07	BofA: Julius Baer to See Recovery in Inflows for Rest of FY26; Price Objective, Forecasts Up	MT

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Published financial data: JULIUS BÄR GRUPPE AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	76Cr	124.83Cr	259.31Cr	250.89Cr	182.79Cr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	76Cr	124.83Cr	259.31Cr	250.89Cr	182.79Cr
Interest On Deposits	13Cr	43Cr	175.13Cr	213.16Cr	170.33Cr
Interest Expense, Total	13Cr	43Cr	175.13Cr	213.16Cr	170.33Cr
Net Interest Income	63Cr	82Cr	84Cr	38Cr	12Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-9.94Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	94L	21L	10L	19L	17L
Income (Loss) on Equity Invest. (Income Block)	-	-	-1.98Cr	-8L	-
Total Other Non Interest Income	322.33Cr	304.44Cr	302.28Cr	349.72Cr	394.6Cr
Non Interest Income, Total	323.27Cr	304.65Cr	300.4Cr	349.83Cr	384.83Cr
Revenues Before Provison For Loan Losses	385.97Cr	386.94Cr	384.58Cr	387.56Cr	397.29Cr
Provision For Loan Losses	18L	1.6Cr	61Cr	1.48Cr	21Cr
Total Revenues	385.79Cr	385.34Cr	323.95Cr	386.08Cr	376.04Cr
Salaries And Other Employee Benefits	154.32Cr	159.72Cr	162.06Cr	171.5Cr	175.88Cr
Amort. of Goodwill & Intang. Assets	14Cr	19Cr	13Cr	14Cr	15Cr
Occupancy Expense	9.57Cr	9.37Cr	10Cr	10Cr	9.64Cr
Selling General & Admin Expenses, Total	77Cr	86Cr	86Cr	85Cr	80Cr
Total Other Non Interest Expense	-	-	-1L	-	-1L
Non Interest Expense, Total	254.72Cr	274.01Cr	271.69Cr	280.29Cr	280.62Cr
EBT, Excl. Unusual Items	131.07Cr	111.33Cr	52Cr	105.79Cr	95Cr
Restructuring Charges	-2.1Cr	-	-	-	-
Total Merger & Related Restructuring Charges	-1.22Cr	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-1.87Cr	-3.02Cr	-88L	-38L	-54L
Other Unusual Items	-	-	-	-	-1.12Cr
EBT, Incl. Unusual Items	125.88Cr	108.31Cr	51Cr	105.41Cr	94Cr
Income Tax Expense	18Cr	13Cr	6.03Cr	3.19Cr	17Cr
Earnings From Continuing Operations	108.27Cr	95Cr	45Cr	102.22Cr	76Cr
Net Income to Company	108.27Cr	95Cr	45Cr	102.22Cr	76Cr
Minority Interest	-7L	5L	5L	-1L	-1L
Net Income - (IS)	108.2Cr	95Cr	45Cr	102.21Cr	76Cr
Net Income to Common Incl Extra Items	108.2Cr	95Cr	45Cr	102.21Cr	76Cr
Net Income to Common Excl. Extra Items	108.2Cr	95Cr	45Cr	102.21Cr	76Cr
Per Share Items
Net EPS - Basic	5.06	4.56	2.21	4.98	3.72
Basic EPS - Continuing Operations	5.06	4.56	2.21	4.98	3.72
Basic Weighted Average Shares Outstanding	21Cr	21Cr	21Cr	21Cr	21Cr
Net EPS - Diluted	5.06	4.56	2.21	4.97	3.71
Diluted EPS - Continuing Operations	5.06	4.56	2.21	4.97	3.71
Diluted Weighted Average Shares Outstanding	21Cr	21Cr	21Cr	21Cr	21Cr
Normalized Basic EPS	3.83	3.34	1.59	3.22	2.9
Normalized Diluted EPS	3.83	3.34	1.59	3.22	2.9
Dividend Per Share	2.6	2.6	2.6	2.6	2.6
Payout Ratio	35.66	58.35	117.97	52.4	70.13
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	13.99	12.37	11.74	3.03	18.54
Total Current Taxes	19Cr	12Cr	7.05Cr	3.52Cr	17Cr
Total Deferred Taxes	-1.23Cr	95L	-1.01Cr	-33L	57L
Normalized Net Income	82Cr	70Cr	33Cr	66Cr	60Cr
Non-Cash Pension Expense	-16L	92L	36L	49L	-2L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	9.33Cr	8.84Cr	8.86Cr	7.41Cr	8.88Cr
Total Stock-Based Compensation	9.33Cr	8.84Cr	8.86Cr	7.41Cr	8.88Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.58TCr	1.89TCr	1.62TCr	2.08TCr	2.28TCr
Investment Securities, Total	1.23TCr	1.6TCr	1.81TCr	1.51TCr	1.4TCr
Trading Asset Securities, Total	1.66TCr	1.57TCr	1.4TCr	1.8TCr	1.77TCr
Total investments	2.89TCr	3.17TCr	3.2TCr	3.31TCr	3.16TCr
Gross Loans	5.05TCr	4.47TCr	3.96TCr	4.23TCr	4.3TCr
Allowance For Loan Losses	-9.01Cr	-11Cr	-74Cr	-72Cr	-87Cr
Net Loans	5.04TCr	4.46TCr	3.89TCr	4.16TCr	4.21TCr
Gross Property Plant And Equipment	99Cr	112.6Cr	120.18Cr	121.88Cr	123.04Cr
Accumulated Depreciation	-48Cr	-52Cr	-55Cr	-56Cr	-61Cr
Net Property Plant And Equipment	51Cr	61Cr	65Cr	66Cr	62Cr
Goodwill	180.09Cr	172.21Cr	171.59Cr	170.36Cr	167.31Cr
Other Intangibles, Total	86Cr	81Cr	85Cr	91Cr	96Cr
Accrued Interest Receivable	42Cr	54Cr	77Cr	85Cr	89Cr
Other Receivables	326.4Cr	323.66Cr	184.72Cr	200.54Cr	165.09Cr
Other Current Assets, Total	419.57Cr	342.94Cr	371.49Cr	331.44Cr	503.42Cr
Deferred Tax Assets Long-Term (Collected)	2.83Cr	4.54Cr	2.41Cr	1.71Cr	1.11Cr
Other Long-Term Assets, Total	10Cr	7.85Cr	7.73Cr	7.57Cr	8.43Cr
Total Assets	12TCr	11TCr	9.68TCr	11TCr	11TCr
Liabilities
Accounts Payable, Total	3.93Cr	3.42Cr	2.8Cr	3.62Cr	7.52Cr
Accrued Expenses, Total	85Cr	90Cr	119.25Cr	119.85Cr	125.29Cr
Interest Bearing Deposits	8.32TCr	7.64TCr	6.32TCr	6.87TCr	6.68TCr
Total Deposits	8.32TCr	7.64TCr	6.32TCr	6.87TCr	6.68TCr
Short-Term Borrowings	670.24Cr	619.05Cr	636.09Cr	360.27Cr	481.73Cr
Current Portion of Long-Term Debt	880.11Cr	29Cr	490.45Cr	245.51Cr	147.47Cr
Current Portion of Leases	6.54Cr	6.33Cr	5.59Cr	6.13Cr	5.83Cr
Long-Term Debt	836.41Cr	1.41TCr	1.33TCr	2.06TCr	2.38TCr
Long-Term Leases	14Cr	23Cr	26Cr	28Cr	25Cr
Current Income Taxes Payable	29Cr	28Cr	25Cr	20Cr	12Cr
Other Current Liabilities - (Bank / Utility Template)	78Cr	63Cr	81Cr	80Cr	130.85Cr
Pension & Other Post Retirement Benefits	1.51Cr	63L	60L	30L	30L
Deferred Tax Liability Non-Current	8.45Cr	6.56Cr	5.68Cr	4.54Cr	5.04Cr
Other Non Current Liabilities	23Cr	17Cr	18Cr	26Cr	24Cr
Total Liabilities	11TCr	9.94TCr	9.06TCr	9.82TCr	10TCr
Common Stock, Total	44L	43L	41L	41L	41L
Retained Earnings	761.58Cr	753.6Cr	710.61Cr	757.88Cr	781.16Cr
Treasury Stock	-69Cr	-35Cr	-6.66Cr	-6.18Cr	-5.81Cr
Comprehensive Income and Other	-20Cr	-90Cr	-88Cr	-69Cr	-53Cr
Total Common Equity	673.44Cr	628.72Cr	616.13Cr	682.74Cr	722.82Cr
Minority Interest	90L	25L	19L	15L	15L
Total Equity	674.34Cr	628.97Cr	616.32Cr	682.89Cr	722.97Cr
Total Liabilities And Equity	12TCr	11TCr	9.68TCr	11TCr	11TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	21Cr	21Cr	20Cr	20Cr	20Cr
ECS Total Common Shares Outstanding	21Cr	21Cr	20Cr	20Cr	20Cr
Book Value / Share	32.19	30.43	30.08	33.33	35.26
Tangible Book Value	407.37Cr	375.1Cr	359.63Cr	421.07Cr	459.08Cr
Tangible Book Value Per Share	19.47	18.16	17.56	20.55	22.39
Tangible Book Value Per Share (As Reported)	-	-	-	20.6	22.4
Total Debt	2.41TCr	2.08TCr	2.49TCr	2.7TCr	3.04TCr
Deposits at Interest - Cash	594.85Cr	700.63Cr	654.01Cr	1.26TCr	1.56TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9.33Cr	-33Cr	-15Cr	-23Cr	-44Cr
Net Debt	-1.83TCr	-1.38TCr	-530.82Cr	-1.18TCr	-1TCr
Equity Method Investments, Total	2.89Cr	2.83Cr	78L	-	-
Full Time Employees	6.73T	6.89T	7.42T	7.6T	7.39T
Number Of Offices	60	60	60	60	60

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	108.2Cr	95Cr	45Cr	102.21Cr	76Cr
Depreciation, Depletion & Amortization	9.57Cr	9.37Cr	10Cr	10Cr	9.64Cr
Amortization of Goodwill and Intangible Assets - (CF)	5.79Cr	4.43Cr	1.28Cr	64L	23L
Total Depreciation, Depletion & Amortization	15Cr	14Cr	12Cr	11Cr	9.87Cr
Amortization of Deferred Charges, Total	8.35Cr	10Cr	12Cr	13Cr	15Cr
(Gain) Loss On Sale of Asset - (CF)	-45L	-2Cr	-8.41Cr	-10Cr	-2.72Cr
(Gain) Loss on Sale of Investments - (CF)	18L	1.6Cr	61Cr	1.48Cr	21Cr
Total Asset Writedown	1.87Cr	6.92Cr	88L	38L	54L
Provision for Credit Losses	-	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	9.33Cr	-	-	-	-
Change in Trading Asset Securities	-85Cr	107.3Cr	135.96Cr	-376.5Cr	189.98Cr
Changes in Accrued Interest Receivable	-112.73Cr	75Cr	95Cr	6.85Cr	-109.36Cr
Change in Other Net Operating Assets (Collected)	255.63Cr	-495.42Cr	-450.73Cr	461.8Cr	-95Cr
Other Operating Activities	7.13Cr	8.66Cr	4.6Cr	2.62Cr	17Cr
Cash from Operations	208.19Cr	-179.35Cr	-93Cr	212.58Cr	123.21Cr
Capital Expenditure	-20Cr	-20Cr	-24Cr	-25Cr	-25Cr
Sale of Property, Plant, and Equipment	2L	33L	4L	7L	3L
Cash Acquisitions	-4.35Cr	-7L	-15L	-19L	-
Divestitures	-	4.25Cr	-	81L	7.84Cr
Investment in Marketable and Equity Securities, Total	50Cr	-435.23Cr	-145.37Cr	311.08Cr	119.74Cr
Other Investing Activities, Total	-1L	1L	-	-	-
Cash from Investing	26Cr	-450.38Cr	-169.44Cr	286.39Cr	102.88Cr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	120.15Cr	15Cr	85Cr	19Cr	41Cr
Total Debt Issued	120.15Cr	15Cr	85Cr	19Cr	41Cr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-	-	-	-	-
Repurchase of Common Stock	-44Cr	-23Cr	-23Cr	-5.86Cr	-6.34Cr
Common Dividends Paid	-39Cr	-55Cr	-54Cr	-54Cr	-54Cr
Common & Preferred Stock Dividends Paid	-39Cr	-55Cr	-54Cr	-54Cr	-54Cr
Other Financing Activities, Total	-26L	-14L	-4L	-16L	-
Cash from Financing	37Cr	-63Cr	7.93Cr	-41Cr	-19Cr
Foreign Exchange Rate Adjustments	2.76Cr	4.42Cr	-15Cr	1.2Cr	-5.6Cr
Miscellaneous Cash Flow Adjustments	1L	-	-1L	-	-
Net Change in Cash	273.69Cr	-688.74Cr	-269.21Cr	459.23Cr	201.69Cr
Supplemental Items
Cash Interest Paid	8.67Cr	52Cr	259.98Cr	278.62Cr	278.23Cr
Cash Income Tax Paid (Refund)	11Cr	14Cr	10Cr	8.16Cr	23Cr
Net Debt Issued / Repaid	120.15Cr	15Cr	85Cr	19Cr	41Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.96	0.86	0.45	1.01	0.72
Return On Equity %	16.43	14.56	7.28	15.74	10.87
Return on Common Equity	16.44	14.58	7.29	15.74	10.87
Shareholders Value Added	37Cr	21Cr	-28Cr	25Cr	-7.73Cr
Margin Analysis
SG&A Margin	62.36	66.29	79.75	68.95	70.68
Net Interest Income / Total Revenues %	16.25	21.36	25.99	9.77	3.31
EBT Excl. Non-Recurring Items Margin %	33.97	28.89	16.13	27.4	25.37
Income From Continuing Operations Margin %	28.06	24.63	14	26.48	20.31
Net Income Margin %	28.05	24.64	14.01	26.47	20.31
Net Avail. For Common Margin %	28.05	24.64	14.01	26.47	20.31
Normalized Net Income Margin	21.22	18.07	10.1	17.12	15.86
Asset quality
Nonperforming Loans / Total Loans %	0.38	0.4	2.02	2.06	2.88
Nonperforming Loans / Total Assets %	0.17	0.17	0.83	0.83	1.15
Nonperforming Assets / Total Assets %	0.17	0.17	0.83	0.83	1.15
NPAs / Loans and OREO	0.38	0.4	2.02	2.06	2.88
NPAs / Equity	2.87	2.86	13.01	12.8	17.09
Allowance for Credit Losses / Net Charge-offs %	-	-	-4L	1.13T	-
Allowance for Credit Losses / Nonperforming Loans %	46.52	63.11	91.84	82.8	70.2
Allowance for Credit Losses / Total Loans %	0.18	0.25	1.86	1.71	2.02
Provision for Loan Losses / Net Charge-offs %	-	-	-3L	23.02	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.84	5.87	6.15	6.43	6.61
Total Average Equity / Total Average Assets %	5.85	5.87	6.15	6.44	6.61
Total Equity + Allowance for Loan Losses / Total Loans %	13.51	14.32	17.4	17.84	18.84
Gross Loans / Total Deposits %	60.7	58.47	62.69	61.61	64.37
Net Loans / Total Deposits %	60.6	58.33	61.53	60.56	63.07
Tier 1 Capital Ratio %	23.4	21.2	23.6	26	24.1
Total Capital Ratio %	24	21.7	24	26.4	24.7
Core Tier 1 Capital Ratio	16.4	14	14.6	17.8	17.4
Tier 2 Capital Ratio	0.55	0.51	0.42	0.35	0.52
Coverage Ratio	46.52	63.11	91.84	82.8	70.2
Interbank Ratio	109.04	140.07	165.6	105.64	116.31
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	10.57	3.55	1.29	1.49	1.55
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.85	31.24	2.3	-55.18	-66.98
Non Interest Income, 1 Yr. Growth %	7.87	-5.76	-1.4	16.45	10
Provision For Loan Losses, 1 Yr. Growth %	-94.93	788.89	3.69T	-97.56	1.34T
Total Revenues, 1 Yr. Growth %	7.67	-0.12	-15.93	19.18	-2.6
Earnings From Cont. Operations, 1 Yr. Growth %	54.98	-12.34	-52.22	125.4	-25.28
Net Income, 1 Yr. Growth %	55.01	-12.24	-52.19	125.13	-25.28
Normalized Net Income, 1 Yr. Growth %	19.65	-12.71	-54.61	102.09	-11.3
Diluted EPS Before Extra, 1 Yr. Growth %	56.53	-9.86	-51.55	125.1	-25.31
Dividend Per Share, 1 Yr. Growth %	48.57	0	0	0	0
Gross Loans, 1 Yr. Growth %	6.8	-11.5	-11.31	6.77	1.53
Allowance For Loan Losses, 1 Yr. Growth %	10.01	25.86	549.29	-1.71	19.86
Net Loans, 1 Yr. Growth %	6.8	-11.57	-12.73	6.93	1.21
Non Performing Loans, 1 Yr. Growth %	24.01	-7.23	346.13	9.02	41.37
Non Performing Assets, 1 Yr. Growth %	24.01	-7.23	346.13	9.02	41.37
Total Assets, 1 Yr. Growth %	6.57	-9.17	-8.38	8.56	2.3
Total Deposits, 1 Yr Growth %	6.96	-8.13	-17.27	8.64	-2.82
Tangible Book Value, 1 Yr. Growth %	7.54	-7.92	-4.12	17.08	9.03
Common Equity, 1 Yr. Growth %	4.81	-6.64	-2	10.81	5.87
Total Equity, 1 Yr. Growth %	4.81	-6.73	-2.01	10.8	5.87
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-11.04	15.05	15.87	-32.29	-61.53
Non Interest Income, 2 Yr. CAGR %	11.51	0.82	-3.6	7.16	13.18
Provision For Loan Losses, 2 Yr. CAGR %	-55.77	-32.87	1.74T	-3.82	-40.8
Total Revenues, 2 Yr. CAGR %	6.79	3.7	-8.36	0.1	7.74
Earnings From Cont. Operations, 2 Yr. CAGR %	52.59	16.56	-35.28	3.78	29.78
Net Income, 2 Yr. CAGR %	52.57	16.64	-35.22	3.75	29.7
Normalized Net Income, 2 Yr. CAGR %	37.9	0.89	-35.96	-4.22	35.01
Diluted EPS Before Extra, 2 Yr. CAGR %	54.26	18.78	-33.92	4.43	29.71
Dividend Per Share, 2 Yr. CAGR %	31.66	21.89	0	0	0
Gross Loans, 2 Yr. CAGR %	2.08	-2.78	-11.4	-2.69	4.11
Allowance For Loan Losses, 2 Yr. CAGR %	38.6	17.67	185.87	152.62	8.54
Net Loans, 2 Yr. CAGR %	2.03	-2.82	-12.15	-3.4	4.03
Non Performing Loans, 2 Yr. CAGR %	7.03	7.26	103.44	120.54	24.15
Non Performing Assets, 2 Yr. CAGR %	7.03	7.26	103.44	120.54	24.15
Total Assets, 2 Yr. CAGR %	6.76	-1.61	-8.78	-0.27	5.38
Total Deposits, 2 Yr CAGR %	6.82	-0.87	-12.82	-5.2	2.75
Tangible Book Value, 2 Yr. CAGR %	10.87	-0.49	-6.04	5.95	12.98
Common Equity, 2 Yr. CAGR %	4.39	-1.08	-4.35	4.21	8.31
Total Equity, 2 Yr. CAGR %	4.38	-1.13	-4.4	4.2	8.31
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-8.01	1.28	10.63	-15.57	-46.7
Non Interest Income, 3 Yr. CAGR %	8.01	5.43	0.08	2.67	8.1
Provision For Loan Losses, 3 Yr. CAGR %	-15.66	20.26	157.53	101.84	136.82
Total Revenues, 3 Yr. CAGR %	4.63	4.44	-3.3	0.02	-0.81
Earnings From Cont. Operations, 3 Yr. CAGR %	13.77	26.85	-13.41	-1.9	-6.98
Net Income, 3 Yr. CAGR %	13.74	26.89	-13.36	-1.88	-7
Normalized Net Income, 3 Yr. CAGR %	13.5	17.39	-21.8	-6.07	-6.12
Diluted EPS Before Extra, 3 Yr. CAGR %	14.43	28.96	-11.91	-0.57	-6.59
Dividend Per Share, 3 Yr. CAGR %	20.12	20.12	14.11	0	0
Gross Loans, 3 Yr. CAGR %	3.65	-2.67	-5.71	-5.72	-1.3
Allowance For Loan Losses, 3 Yr. CAGR %	42.1	34.22	107.93	100.27	97.03
Net Loans, 3 Yr. CAGR %	3.61	-2.72	-6.24	-6.2	-1.89
Non Performing Loans, 3 Yr. CAGR %	27.62	2.05	72.5	65.24	90.16
Non Performing Assets, 3 Yr. CAGR %	27.62	2.05	72.5	65.24	90.16
Total Assets, 3 Yr. CAGR %	4.17	1.17	-3.92	-3.33	0.58
Total Deposits, 3 Yr CAGR %	5.18	1.59	-6.67	-6.18	-4.41
Tangible Book Value, 3 Yr. CAGR %	9.44	4.21	-1.72	1.11	6.97
Common Equity, 3 Yr. CAGR %	3.69	0.57	-1.39	0.46	4.76
Total Equity, 3 Yr. CAGR %	3.73	0.54	-1.42	0.42	4.75
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-6.49	-3.59	0.89	-13.79	-27.49
Non Interest Income, 5 Yr. CAGR %	10.35	6.11	3.21	6.12	5.13
Provision For Loan Losses, 5 Yr. CAGR %	-	-	189.14	9.98	43.03
Total Revenues, 5 Yr. CAGR %	6.23	3.45	-0.77	2.68	0.97
Earnings From Cont. Operations, 5 Yr. CAGR %	11.72	5.8	-9.21	17.06	1.8
Net Income, 5 Yr. CAGR %	11.8	6.14	-9.2	17.07	1.82
Normalized Net Income, 5 Yr. CAGR %	11.77	5.09	-10.19	8.96	-2.71
Diluted EPS Before Extra, 5 Yr. CAGR %	12.23	7	-8.13	18.53	2.84
Dividend Per Share, 5 Yr. CAGR %	16.72	13.18	11.63	11.63	8.24
Gross Loans, 5 Yr. CAGR %	5.58	-0.85	-2.66	-2.68	-1.9
Allowance For Loan Losses, 5 Yr. CAGR %	4.65	28.71	87.94	72.85	60.32
Net Loans, 5 Yr. CAGR %	5.59	-0.89	-3.01	-2.99	-2.26
Non Performing Loans, 5 Yr. CAGR %	18.39	-	53.79	38.89	51.23
Non Performing Assets, 5 Yr. CAGR %	18.39	-	53.79	38.89	51.23
Total Assets, 5 Yr. CAGR %	3.87	1.53	-1.22	0.59	-0.3
Total Deposits, 5 Yr CAGR %	4.27	2.48	-2.43	-1.18	-3.01
Tangible Book Value, 5 Yr. CAGR %	10.29	4.91	2.96	4.91	3.92
Common Equity, 5 Yr. CAGR %	4.79	1.54	0.4	2.01	2.38
Total Equity, 5 Yr. CAGR %	4.72	1.45	0.4	1.99	2.36