Financial Ratios Macquarie Group Limited

Equities

MQG

AU000000MQG1

Diversified Investment Services

Market Closed - Australian S.E. Other stock markets 10:41:01 06/03/2026 am IST			5-day change	1st Jan Change
200.30 ^AUD	+0.72%		-6.17%	-1.43%

06/03	Macquarie Bank Launches PayID On Its Payment Platform	MT
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Published financial data: MACQUARIE GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	363.2Cr	399.1Cr	933.5Cr	1.58TCr	1.81TCr
Interest Income On Investments	33Cr	33Cr	80Cr	74Cr	-
Interest Income, Total	396.5Cr	432.5Cr	1.01TCr	1.65TCr	1.81TCr
Interest On Deposits	177Cr	146.5Cr	711.1Cr	1.3TCr	1.46TCr
Interest Expense, Total	177Cr	146.5Cr	711.1Cr	1.3TCr	1.46TCr
Net Interest Income	219.5Cr	286Cr	302.8Cr	345.9Cr	350.7Cr
Income From Trading Activities	348.2Cr	399.6Cr	749.5Cr	544.8Cr	537Cr
Gain (Loss) on Sale of Assets	24Cr	278.9Cr	41Cr	30Cr	44Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	134.8Cr	26Cr	167.5Cr	105.2Cr	81Cr
Income (Loss) on Equity Invest. (Income Block)	-30L	24Cr	-11Cr	-4.9Cr	17Cr
Total Other Non Interest Income	609.3Cr	751Cr	703.7Cr	656.8Cr	728.6Cr
Non Interest Income, Total	1.12TCr	1.48TCr	1.65TCr	1.33TCr	1.41TCr
Revenues Before Provison For Loan Losses	1.34TCr	1.77TCr	1.95TCr	1.68TCr	1.76TCr
Provision For Loan Losses	43Cr	25Cr	39Cr	-13Cr	27Cr
Total Revenues	1.29TCr	1.74TCr	1.91TCr	1.69TCr	1.73TCr
Salaries And Other Employee Benefits	493.5Cr	606.6Cr	694.1Cr	689Cr	681.8Cr
Occupancy Expense	23Cr	-	-	-	-
Selling General & Admin Expenses, Total	161.9Cr	191.2Cr	236.5Cr	250.6Cr	258.6Cr
Total Other Non Interest Expense	208.7Cr	280.7Cr	282.4Cr	266.5Cr	273.6Cr
Non Interest Expense, Total	886.7Cr	1.08TCr	1.21TCr	1.21TCr	1.21TCr
EBT, Excl. Unusual Items	405.3Cr	661.8Cr	701.1Cr	485.4Cr	517.5Cr
Impairment of Goodwill	-11Cr	-1.2Cr	-1.2Cr	-80L	-6.3Cr
Asset Writedown	-4.9Cr	-6.7Cr	-70L	-2Cr	-4.4Cr
Other Unusual Items	90L	-	-	-	-
EBT, Incl. Unusual Items	390.7Cr	653.9Cr	699.2Cr	482.6Cr	506.8Cr
Income Tax Expense	90Cr	158.6Cr	182.4Cr	129.1Cr	132.6Cr
Earnings From Continuing Operations	300.8Cr	495.3Cr	516.8Cr	353.5Cr	374.2Cr
Net Income to Company	300.8Cr	495.3Cr	516.8Cr	353.5Cr	374.2Cr
Minority Interest	70L	-25Cr	1.4Cr	-1.3Cr	-2.7Cr
Net Income - (IS)	301.5Cr	470.6Cr	518.2Cr	352.2Cr	371.5Cr
Preferred Dividend and Other Adjustments	9.9Cr	15Cr	17Cr	14Cr	13Cr
Net Income to Common Incl Extra Items	291.6Cr	455.9Cr	501.5Cr	338.5Cr	358.3Cr
Net Income to Common Excl. Extra Items	291.6Cr	455.9Cr	501.5Cr	338.5Cr	358.3Cr
Per Share Items
Net EPS - Basic	8.43	12.72	13.54	9.17	9.79
Basic EPS - Continuing Operations	8.43	12.72	13.54	9.17	9.79
Basic Weighted Average Shares Outstanding	35Cr	36Cr	37Cr	37Cr	37Cr
Net EPS - Diluted	8.25	12.31	13.16	9.11	9.75
Diluted EPS - Continuing Operations	8.25	12.31	13.16	9.11	9.75
Diluted Weighted Average Shares Outstanding	38Cr	39Cr	41Cr	38Cr	38Cr
Normalized Basic EPS	7.34	10.85	11.87	8.18	8.77
Normalized Diluted EPS	6.77	10	10.81	7.94	8.52
Dividend Per Share	4.7	6.22	7.5	6.4	6.5
Payout Ratio	28.56	36.36	38.79	75.58	58.87
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	23.01	24.25	26.09	26.75	26.16
Total Current Taxes	102.1Cr	174.2Cr	211Cr	131.8Cr	138.8Cr
Total Deferred Taxes	-12Cr	-16Cr	-29Cr	-2.7Cr	-6.2Cr
Normalized Net Income	254.01Cr	388.92Cr	439.59Cr	302.08Cr	320.74Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	58Cr	66Cr	76Cr	83Cr	84Cr
Stock-Based Comp., Other (Total)	-	-	-	-	10L
Total Stock-Based Compensation	58Cr	66Cr	76Cr	83Cr	84Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.59TCr	5.02TCr	4.6TCr	3.33TCr	2.19TCr
Investment Securities, Total	1.33TCr	1.47TCr	2.08TCr	2.13TCr	2.72TCr
Trading Asset Securities, Total	4.24TCr	9.85TCr	5.3TCr	5.2TCr	5.93TCr
Total investments	5.57TCr	11TCr	7.38TCr	7.33TCr	8.65TCr
Gross Loans	11TCr	14TCr	16TCr	18TCr	21TCr
Allowance For Loan Losses	-113.1Cr	-103.1Cr	-131.6Cr	-121.5Cr	-126.5Cr
Other Adjustments to Gross Loans	-31Cr	-18Cr	-22Cr	-25Cr	-16Cr
Net Loans	11TCr	13TCr	16TCr	18TCr	21TCr
Gross Property Plant And Equipment	759.3Cr	824.2Cr	1.03TCr	1.22TCr	1.02TCr
Accumulated Depreciation	-291.7Cr	-309.9Cr	-367.3Cr	-402.7Cr	-326.5Cr
Net Property Plant And Equipment	467.6Cr	514.3Cr	663.9Cr	813.4Cr	692.8Cr
Goodwill	132.1Cr	186.3Cr	200.4Cr	237.8Cr	108.4Cr
Other Intangibles, Total	122.2Cr	191.7Cr	182.3Cr	187.6Cr	59Cr
Investment in Real Estate	-	-	-	-	65Cr
Other Receivables	825.7Cr	1.16TCr	1.39TCr	1.9TCr	1.92TCr
Restricted Cash	3.67TCr	5.12TCr	5.43TCr	5.84TCr	6.66TCr
Other Current Assets, Total	1.47TCr	2.69TCr	2.66TCr	2.74TCr	3.39TCr
Deferred Tax Assets Long-Term (Collected)	147.2Cr	155.2Cr	179.7Cr	207.7Cr	208.5Cr
Other Long-Term Assets, Total	72Cr	97Cr	239.7Cr	117.5Cr	15Cr
Total Assets	25TCr	40TCr	39TCr	40TCr	45TCr
Liabilities
Accounts Payable, Total	-	-	-	-	218.7Cr
Accrued Expenses, Total	400.2Cr	522.8Cr	490.6Cr	435.2Cr	443.9Cr
Interest Bearing Deposits	7.32TCr	8.47TCr	11TCr	12TCr	15TCr
Non-Interest Bearing Deposits	1.1TCr	1.69TCr	2.14TCr	2.38TCr	2.77TCr
Total Deposits	8.42TCr	10TCr	13TCr	15TCr	18TCr
Short-Term Borrowings	2.21TCr	10TCr	5.15TCr	6.42TCr	6.74TCr
Current Portion of Long-Term Debt	-	-	-	-	130.5Cr
Long-Term Debt	8.02TCr	12TCr	12TCr	11TCr	11TCr
Long-Term Leases	78Cr	59Cr	70Cr	92Cr	94Cr
Current Income Taxes Payable	107.5Cr	98Cr	108.7Cr	78Cr	91Cr
Other Current Liabilities - (Bank / Utility Template)	2.83TCr	3.3TCr	3.25TCr	3.39TCr	3.66TCr
Unearned Revenue Non Current	-	26Cr	37Cr	50Cr	37Cr
Deferred Tax Liability Non-Current	20Cr	22Cr	20Cr	38Cr	27Cr
Other Non Current Liabilities	235Cr	411.3Cr	544.8Cr	791.3Cr	612.6Cr
Total Liabilities	22TCr	37TCr	35TCr	37TCr	41TCr
Common Stock, Total	1.02TCr	1.42TCr	1.47TCr	1.42TCr	1.38TCr
Retained Earnings	1.22TCr	1.47TCr	1.74TCr	1.82TCr	1.95TCr
Treasury Stock	-163.3Cr	-185.8Cr	-232.8Cr	-278.4Cr	-276.4Cr
Comprehensive Income and Other	127.7Cr	152.3Cr	330.2Cr	389.1Cr	482.9Cr
Total Common Equity	2.2TCr	2.86TCr	3.32TCr	3.35TCr	3.54TCr
Minority Interest	30Cr	24Cr	95Cr	52Cr	43Cr
Total Equity	2.24TCr	2.88TCr	3.41TCr	3.4TCr	3.58TCr
Total Liabilities And Equity	25TCr	40TCr	39TCr	40TCr	45TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	35Cr	37Cr	37Cr	37Cr	36Cr
ECS Total Common Shares Outstanding	35Cr	37Cr	37Cr	37Cr	36Cr
Book Value / Share	63.58	77.51	89.67	91.72	96.96
Tangible Book Value	1.95TCr	2.48TCr	2.93TCr	2.92TCr	3.37TCr
Tangible Book Value Per Share	56.25	67.25	79.32	80.06	92.38
Tangible Book Value Per Share (As Reported)	53.91	64.59	75.89	76.32	80.53
Total Debt	10TCr	22TCr	17TCr	17TCr	18TCr
Deposits at Interest - Cash	44Cr	189.5Cr	668.6Cr	1.02TCr	238.1Cr
Net Debt	4.49TCr	7.63TCr	7.56TCr	8.79TCr	9.96TCr
Equity Method Investments, Total	419.4Cr	437.3Cr	557.4Cr	696.9Cr	772Cr
Full Time Employees	16.46T	18.13T	20.51T	20.67T	19.74T
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	441.1Cr	539.9Cr	660.4Cr	722Cr	527.4Cr
Assets on Operating Lease - Accumulated Depreciation	-162.5Cr	-182.4Cr	-220.4Cr	-248.4Cr	-184.2Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	301.5Cr	470.6Cr	518.2Cr	352.2Cr	371.5Cr
Depreciation, Depletion & Amortization	81Cr	66Cr	67Cr	79Cr	89Cr
Amortization of Goodwill and Intangible Assets - (CF)	11Cr	16Cr	20Cr	18Cr	18Cr
Total Depreciation, Depletion & Amortization	92Cr	82Cr	87Cr	97Cr	107.3Cr
Amortization of Deferred Charges, Total	-	-	3.1Cr	2.5Cr	4.1Cr
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	2.4Cr
Total Asset Writedown	16Cr	8.7Cr	2Cr	2.8Cr	11Cr
Provision for Credit Losses	36Cr	42Cr	44Cr	-40Cr	26Cr
(Income) Loss On Equity Investments - (CF)	30L	-24Cr	11Cr	4.9Cr	-17Cr
Stock-Based Compensation (CF)	53Cr	62Cr	75Cr	80Cr	84Cr
Change in Trading Asset Securities	-507Cr	775.7Cr	-1.55TCr	-1.09TCr	-506.8Cr
Changes in Accrued Interest Receivable	-25Cr	-38Cr	26Cr	1.8Cr	-32Cr
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Income Taxes	11Cr	-16Cr	-21Cr	-34Cr	-14Cr
Change in Other Net Operating Assets (Collected)	-1.22TCr	2.24TCr	-3.43TCr	-1.03TCr	-2.26TCr
Other Operating Activities	-197.5Cr	-301Cr	-211.6Cr	-100.9Cr	-65Cr
Cash from Operations	-1.44TCr	3.3TCr	-4.44TCr	-1.76TCr	-2.28TCr
Capital Expenditure	-76Cr	-98Cr	-82Cr	-195.7Cr	-106.5Cr
Sale of Property, Plant, and Equipment	36Cr	8.5Cr	7Cr	-	5.9Cr
Cash Acquisitions	-23Cr	-201.8Cr	-	-	-
Divestitures	88Cr	338.7Cr	-	-	-
Investment in Marketable and Equity Securities, Total	265.9Cr	-46Cr	-48Cr	-192.2Cr	-133.3Cr
Cash from Investing	290.3Cr	1.2Cr	-123Cr	-387.9Cr	-233.9Cr
Long-Term Debt Issued, Total	441.9Cr	140.5Cr	307.8Cr	124.6Cr	272.3Cr
Total Debt Issued	441.9Cr	140.5Cr	307.8Cr	124.6Cr	272.3Cr
Long-Term Debt Repaid, Total	-127.1Cr	-110.1Cr	-	-	-100Cr
Total Debt Repaid	-127.1Cr	-110.1Cr	-	-	-100Cr
Issuance of Common Stock	-	277.7Cr	-	-	-
Repurchase of Common Stock	-	-	-92Cr	-172.8Cr	-130.4Cr
Common Dividends Paid	-86Cr	-171.1Cr	-201Cr	-266.2Cr	-218.7Cr
Common & Preferred Stock Dividends Paid	-86Cr	-171.1Cr	-201Cr	-266.2Cr	-218.7Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	1.72TCr	1.75TCr	3.3TCr	1.35TCr	2.92TCr
Other Financing Activities, Total	-38Cr	-22Cr	30Cr	15Cr	-18Cr
Cash from Financing	1.91TCr	1.86TCr	3.35TCr	1.05TCr	2.72TCr
Foreign Exchange Rate Adjustments	-310.8Cr	-78Cr	505.1Cr	51Cr	107.9Cr
Net Change in Cash	453.3Cr	5.08TCr	-710.9Cr	-1.04TCr	313.1Cr
Supplemental Items
Cash Interest Paid	191.9Cr	142.9Cr	627.9Cr	1.26TCr	1.47TCr
Cash Income Tax Paid (Refund)	79Cr	174.3Cr	203.5Cr	163.3Cr	146.9Cr
Net Debt Issued / Repaid	314.8Cr	30Cr	307.8Cr	124.6Cr	172.3Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.2	1.54	1.31	0.89	0.88
Return On Equity %	13.63	19.36	16.43	10.38	10.72
Return on Common Equity	13.53	18.02	16.25	10.16	10.41
Shareholders Value Added	54Cr	182.95Cr	167.6Cr	-30Cr	-24Cr
Margin Analysis
SG&A Margin	52.48	45.84	48.62	55.55	54.31
Net Interest Income / Total Revenues %	16.99	16.43	15.82	20.45	20.25
EBT Excl. Non-Recurring Items Margin %	31.37	38.03	36.63	28.7	29.89
Income From Continuing Operations Margin %	23.28	28.46	27	20.9	21.61
Net Income Margin %	23.34	27.04	27.07	20.82	21.46
Net Avail. For Common Margin %	22.57	26.2	26.2	20.01	20.69
Normalized Net Income Margin	19.66	22.35	22.97	17.86	18.52
Asset quality
Nonperforming Loans / Total Loans %	1.9	1.21	1.26	1.55	1.11
Nonperforming Loans / Total Assets %	0.82	0.41	0.52	0.68	0.52
Nonperforming Assets / Total Assets %	0.82	0.41	0.52	0.68	0.52
NPAs / Loans and OREO	1.9	1.21	1.26	1.55	1.11
NPAs / Equity	9.06	5.71	5.94	8.12	6.42
Allowance for Credit Losses / Net Charge-offs %	720.38	640.37	1.91T	4.05T	506
Allowance for Credit Losses / Nonperforming Loans %	55.88	62.71	64.99	43.99	55.02
Allowance for Credit Losses / Total Loans %	1.06	0.76	0.82	0.68	0.61
Provision for Loan Losses / Net Charge-offs %	276.43	155.28	562.32	-446.67	106.4
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.6	7.85	7.84	8.42	8.11
Total Average Equity / Total Average Assets %	8.8	7.93	7.99	8.61	8.22
Total Equity + Allowance for Loan Losses / Total Loans %	21.77	21.77	21.53	19.51	17.69
Gross Loans / Total Deposits %	126.44	133.73	118.85	119.82	116.55
Net Loans / Total Deposits %	124.74	132.53	117.71	118.84	115.75
Tier 1 Capital Ratio %	18.1	16.5	20.6	20.9	19.6
Core Tier 1 Capital Ratio	16.2	14.6	18.4	18.7	17.6
Coverage Ratio	55.88	62.71	64.99	43.99	55.02
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.21	5.46	1.98	1.37	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	18.07	30.3	5.87	14.23	1.39
Non Interest Income, 1 Yr. Growth %	-1.02	32.57	11.55	-19.27	5.64
Provision For Loan Losses, 1 Yr. Growth %	-46.09	-42.4	55.2	-134.54	-298.51
Total Revenues, 1 Yr. Growth %	4.8	34.7	9.99	-11.63	2.36
Earnings From Cont. Operations, 1 Yr. Growth %	10.34	64.66	4.34	-31.6	5.86
Net Income, 1 Yr. Growth %	10.4	56.09	10.11	-32.03	5.48
Normalized Net Income, 1 Yr. Growth %	17.29	53.11	13.03	-31.28	6.18
Diluted EPS Before Extra, 1 Yr. Growth %	7.86	49.24	6.96	-30.76	7.03
Dividend Per Share, 1 Yr. Growth %	9.3	32.34	20.58	-14.67	1.56
Gross Loans, 1 Yr. Growth %	11.38	27.7	17.76	11.07	16.44
Allowance For Loan Losses, 1 Yr. Growth %	22.4	-8.84	27.64	-7.67	4.12
Net Loans, 1 Yr. Growth %	11.59	28.3	17.68	11.22	16.6
Non Performing Loans, 1 Yr. Growth %	1.66	-18.77	21.33	36.4	-16.76
Non Performing Assets, 1 Yr. Growth %	1.66	-18.77	21.33	36.4	-16.76
Total Assets, 1 Yr. Growth %	-3.97	62.5	-2.83	4	10.37
Total Deposits, 1 Yr Growth %	25.03	20.75	32.51	10.17	19.71
Tangible Book Value, 1 Yr. Growth %	9.61	27.05	18.35	-0.34	15.25
Common Equity, 1 Yr. Growth %	4.68	29.54	16.08	0.98	5.6
Total Equity, 1 Yr. Growth %	2.6	28.88	18.4	-0.32	5.27
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	11.68	24.03	17.45	9.97	7.62
Non Interest Income, 2 Yr. CAGR %	0.1	14.55	21.6	-5.1	-7.65
Provision For Loan Losses, 2 Yr. CAGR %	16.46	-44.27	-5.45	-26.79	-17.2
Total Revenues, 2 Yr. CAGR %	1.36	18.81	21.72	-1.41	-4.89
Earnings From Cont. Operations, 2 Yr. CAGR %	0.33	34.79	31.08	-15.52	-14.91
Net Income, 2 Yr. CAGR %	0.55	31.27	31.1	-13.49	-15.33
Normalized Net Income, 2 Yr. CAGR %	5.1	34.01	31.55	-11.87	-14.58
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.54	26.87	26.34	-13.94	-13.91
Dividend Per Share, 2 Yr. CAGR %	-9.59	20.27	26.32	1.44	-6.91
Gross Loans, 2 Yr. CAGR %	16.1	19.26	22.63	14.37	13.72
Allowance For Loan Losses, 2 Yr. CAGR %	44.72	5.63	7.87	8.56	-1.96
Net Loans, 2 Yr. CAGR %	16.18	19.65	22.88	14.41	13.88
Non Performing Loans, 2 Yr. CAGR %	2.27	-9.13	0.02	28.64	6.55
Non Performing Assets, 2 Yr. CAGR %	2.27	-9.13	0.02	28.64	6.55
Total Assets, 2 Yr. CAGR %	11.45	24.92	25.66	0.53	7.14
Total Deposits, 2 Yr CAGR %	22.41	22.87	26.49	20.82	14.84
Tangible Book Value, 2 Yr. CAGR %	11.35	18.01	22.62	8.6	7.17
Common Equity, 2 Yr. CAGR %	11.42	16.45	22.63	8.27	3.27
Total Equity, 2 Yr. CAGR %	10.32	14.99	23.53	8.64	2.44
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.39	17.57	17.66	16.37	7.03
Non Interest Income, 3 Yr. CAGR %	9.35	9.93	13.54	6.08	-1.65
Provision For Loan Losses, 3 Yr. CAGR %	75.71	-7.9	-21.59	-32.41	2.09
Total Revenues, 3 Yr. CAGR %	7.36	11.44	15.8	9.4	-0.17
Earnings From Cont. Operations, 3 Yr. CAGR %	5.24	18.35	23.77	5.53	-8.92
Net Income, 3 Yr. CAGR %	5.65	16.43	23.8	5.32	-7.58
Normalized Net Income, 3 Yr. CAGR %	11.33	19.14	26.62	5.95	-6.22
Diluted EPS Before Extra, 3 Yr. CAGR %	3.51	12.34	19.86	3.39	-7.45
Dividend Per Share, 3 Yr. CAGR %	-3.62	2.65	20.37	10.84	1.48
Gross Loans, 3 Yr. CAGR %	12.58	19.85	18.76	18.65	15.06
Allowance For Loan Losses, 3 Yr. CAGR %	34.01	24.06	12.51	2.42	7.06
Net Loans, 3 Yr. CAGR %	12.63	20.09	18.99	18.86	15.13
Non Performing Loans, 3 Yr. CAGR %	78.98	-5.29	0.57	10.92	11.27
Non Performing Assets, 3 Yr. CAGR %	69.04	-5.29	0.57	10.92	11.27
Total Assets, 3 Yr. CAGR %	8.69	26.38	14.88	17.98	3.71
Total Deposits, 3 Yr CAGR %	20.27	21.85	26	20.8	20.45
Tangible Book Value, 3 Yr. CAGR %	8.28	16.36	18.12	14.43	10.77
Common Equity, 3 Yr. CAGR %	10.46	17.16	16.33	14.94	7.37
Total Equity, 3 Yr. CAGR %	7.13	16.19	16.12	15	7.5
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.75	5.53	8.8	14.47	13.54
Non Interest Income, 5 Yr. CAGR %	7.41	13.82	14.1	3.65	4.54
Provision For Loan Losses, 5 Yr. CAGR %	-	-	37.14	-15.98	-19.87
Total Revenues, 5 Yr. CAGR %	5.08	11.88	12.89	6.11	7.03
Earnings From Cont. Operations, 5 Yr. CAGR %	7.57	17.24	14.9	3.42	6.54
Net Income, 5 Yr. CAGR %	7.88	16.25	15.17	3.38	6.35
Normalized Net Income, 5 Yr. CAGR %	6.98	18.71	19.01	5.61	8.17
Diluted EPS Before Extra, 5 Yr. CAGR %	6.56	13.81	12.1	0.98	4.99
Dividend Per Share, 5 Yr. CAGR %	3.28	5.76	7.39	2.17	8.61
Gross Loans, 5 Yr. CAGR %	6.49	12.02	16.5	17.63	16.72
Allowance For Loan Losses, 5 Yr. CAGR %	3.92	3.36	22.87	17.61	6.48
Net Loans, 5 Yr. CAGR %	6.65	12.29	16.62	17.78	16.92
Non Performing Loans, 5 Yr. CAGR %	17.21	8.95	41.82	7.38	2.92
Non Performing Assets, 5 Yr. CAGR %	16.95	7.96	37.04	7.38	2.92
Total Assets, 5 Yr. CAGR %	4.54	16.9	15.18	15.32	11.72
Total Deposits, 5 Yr CAGR %	10.02	11.99	22.72	21.44	21.41
Tangible Book Value, 5 Yr. CAGR %	6.8	11.23	13.8	13.19	13.61
Common Equity, 5 Yr. CAGR %	7.84	12.91	15.18	13.52	10.91
Total Equity, 5 Yr. CAGR %	7.37	10.77	13.41	13.11	10.44