Balance Sheet Malayan Banking

Stocks

1155

MYL1155OO000

Banks

Market Closed - BURSA MALAYSIA Other stock markets 02:28:06 16/07/2026 pm IST			5-day change	1st Jan Change
11.04 ^MYR	+0.73%		+1.66%	+5.34%

14/07	Malayan Banking Berhad - Shareholder/Analyst Call
09/07	Hong Leong Downgrades Malayan Banking to Hold from Buy; Price Target is MYR10.80	MT

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Published financial data: MALAYAN BANKING

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.72TCr	2.16TCr	3.02TCr	3.28TCr	2.94TCr
Interest Income, Total	1.72TCr	2.16TCr	3.02TCr	3.28TCr	2.94TCr
Interest On Deposits	517.12Cr	779.33Cr	1.74TCr	2TCr	1.62TCr
Interest Expense, Total	517.12Cr	779.33Cr	1.74TCr	2TCr	1.62TCr
Net Interest Income	1.2TCr	1.38TCr	1.28TCr	1.28TCr	1.32TCr
Gain (Loss) on Sale of Assets	13.03L	39.99L	41.24L	55.38L	1.48Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-113.52Cr	-226.21Cr	149.39Cr	317.41Cr	191.99Cr
Total Other Non Interest Income	1.39TCr	1.54TCr	1.32TCr	1.36TCr	1.44TCr
Non Interest Income, Total	1.28TCr	1.32TCr	1.47TCr	1.68TCr	1.63TCr
Revenues Before Provison For Loan Losses	2.48TCr	2.7TCr	2.75TCr	2.96TCr	2.95TCr
Provision For Loan Losses	257.05Cr	220.83Cr	182.62Cr	167.05Cr	56Cr
Total Revenues	2.22TCr	2.48TCr	2.57TCr	2.79TCr	2.89TCr
Salaries And Other Employee Benefits	671Cr	741.59Cr	768.52Cr	849.88Cr	855.59Cr
Stock-Based Compensation (IS)	9.82Cr	8.76Cr	9.38Cr	9.75Cr	18Cr
Amort. of Goodwill & Intang. Assets	28Cr	27Cr	23Cr	25Cr	25Cr
Occupancy Expense	95Cr	102.24Cr	108.53Cr	103.56Cr	100.23Cr
Selling General & Admin Expenses, Total	343.84Cr	396.94Cr	423.51Cr	451.27Cr	476.16Cr
(Income) Loss on Equity Invest.	-19Cr	-13Cr	-24Cr	-24Cr	-27Cr
Total Other Non Interest Expense	4.1Cr	4.08Cr	5.74Cr	6.55Cr	9.01Cr
Non Operating (Income) Expenses	70.31L	-12.5L	-	-	-
Non Interest Expense, Total	1.13TCr	1.27TCr	1.31TCr	1.42TCr	1.46TCr
EBT, Excl. Unusual Items	1.09TCr	1.21TCr	1.25TCr	1.37TCr	1.43TCr
Impairment of Goodwill	-5.35Cr	-	-	-	-
Asset Writedown	3.03Cr	1.35Cr	3Cr	1.84Cr	8L
EBT, Incl. Unusual Items	1.09TCr	1.22TCr	1.25TCr	1.37TCr	1.43TCr
Income Tax Expense	256.51Cr	378.03Cr	291.67Cr	319.52Cr	350.24Cr
Earnings From Continuing Operations	832.15Cr	837.3Cr	961.49Cr	1.05TCr	1.08TCr
Net Income to Company	832.15Cr	837.3Cr	961.49Cr	1.05TCr	1.08TCr
Minority Interest	-23Cr	-14Cr	-27Cr	-42Cr	-32Cr
Net Income - (IS)	809.62Cr	823.49Cr	934.98Cr	1.01TCr	1.05TCr
Net Income to Common Incl Extra Items	809.62Cr	823.49Cr	934.98Cr	1.01TCr	1.05TCr
Net Income to Common Excl. Extra Items	809.62Cr	823.49Cr	934.98Cr	1.01TCr	1.05TCr
Per Share Items
Net EPS - Basic	0.7	0.69	0.78	0.84	0.87
Basic EPS - Continuing Operations	0.7	0.69	0.78	0.84	0.87
Basic Weighted Average Shares Outstanding	1.16TCr	1.2TCr	1.21TCr	1.21TCr	1.21TCr
Net EPS - Diluted	0.7	0.69	0.78	0.84	0.87
Diluted EPS - Continuing Operations	0.7	0.69	0.78	0.84	0.87
Diluted Weighted Average Shares Outstanding	1.16TCr	1.2TCr	1.21TCr	1.21TCr	1.21TCr
Normalized Basic EPS	0.57	0.62	0.63	0.67	0.72
Normalized Diluted EPS	0.57	0.62	0.63	0.67	0.72
Dividend Per Share	0.58	0.58	0.6	0.61	0.63
Payout Ratio	113.46	83.97	76.07	71.77	71.2
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	23.56	31.1	23.28	23.32	24.43
Current Domestic Taxes	-	323.32Cr	236.13Cr	255.9Cr	280.32Cr
Current Foreign Taxes	-	74Cr	66Cr	65Cr	58Cr
Total Current Taxes	325.06Cr	397.82Cr	302.23Cr	321.34Cr	338.76Cr
Total Deferred Taxes	-73Cr	-25Cr	-18Cr	-12Cr	35.45L
Normalized Net Income	659.34Cr	744.93Cr	754.84Cr	813.43Cr	864.07Cr
Non-Cash Pension Expense	2.51Cr	2.36Cr	3.07Cr	-2.71Cr	47.71L
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	9.82Cr	8.76Cr	9.38Cr	9.75Cr	18Cr
Total Stock-Based Compensation	9.82Cr	8.76Cr	9.38Cr	9.75Cr	18Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	4.15TCr	3.76TCr	2.89TCr	4.05TCr	2.83TCr
Investment Securities, Total	22TCr	23TCr	26TCr	25TCr	22TCr
Trading Asset Securities, Total	5.26TCr	6.21TCr	6.24TCr	6.87TCr	7.48TCr
Total investments	27TCr	29TCr	32TCr	32TCr	30TCr
Gross Loans	63TCr	65TCr	71TCr	74TCr	75TCr
Allowance For Loan Losses	-1.19TCr	-1.17TCr	-1.03TCr	-1.02TCr	-866.02Cr
Other Adjustments to Gross Loans	-8.21TCr	-7.79TCr	-7.84TCr	-7.75TCr	-7.71TCr
Net Loans	53TCr	56TCr	62TCr	65TCr	66TCr
Gross Property Plant And Equipment	813.48Cr	832.78Cr	937.55Cr	942.97Cr	1.03TCr
Accumulated Depreciation	-483.42Cr	-500.89Cr	-543.01Cr	-569.02Cr	-596.74Cr
Net Property Plant And Equipment	330.06Cr	331.88Cr	394.54Cr	373.96Cr	438.23Cr
Goodwill	561.38Cr	559.86Cr	598.25Cr	549.73Cr	484.9Cr
Other Intangibles, Total	106.97Cr	114.85Cr	137.94Cr	149.6Cr	168.36Cr
Investment in Real Estate	98Cr	99Cr	102Cr	103.87Cr	104.26Cr
Other Receivables	737.61Cr	1.03TCr	1.06TCr	1.4TCr	1.61TCr
Restricted Cash	751.41Cr	1.38TCr	1.57TCr	1.72TCr	1.2TCr
Other Current Assets, Total	1.24TCr	1.33TCr	1.55TCr	1.47TCr	1.38TCr
Deferred Tax Assets Long-Term (Collected)	150.54Cr	246.29Cr	130.9Cr	167.22Cr	171.82Cr
Other Real Estate Owned And Foreclosed	36Cr	41Cr	43Cr	38Cr	34Cr
Other Long-Term Assets, Total	666.93Cr	605.36Cr	591.38Cr	602.55Cr	543.85Cr
Total Assets	89TCr	95TCr	1,02800Cr	1,07500Cr	1,05400Cr
Liabilities
Accrued Expenses, Total	680.97Cr	685.08Cr	500.33Cr	459.51Cr	665.58Cr
Interest Bearing Deposits	48TCr	54TCr	59TCr	64TCr	60TCr
Non-Interest Bearing Deposits	16TCr	15TCr	14TCr	15TCr	16TCr
Total Deposits	64TCr	68TCr	73TCr	79TCr	76TCr
Short-Term Borrowings	1.26TCr	2.79TCr	2.51TCr	2.75TCr	2.45TCr
Current Portion of Long-Term Debt	2.15TCr	3.07TCr	5.83TCr	4.8TCr	3.99TCr
Current Portion of Leases	11Cr	27Cr	38Cr	35Cr	55Cr
Long-Term Debt	4.56TCr	3.78TCr	3.22TCr	3.29TCr	3.68TCr
Long-Term Leases	102Cr	87Cr	113.77Cr	97Cr	137.62Cr
Current Income Taxes Payable	31Cr	37Cr	24Cr	29Cr	40Cr
Other Current Liabilities - (Bank / Utility Template)	107.56Cr	181.1Cr	113.32Cr	121.46Cr	145.24Cr
Unearned Revenue Non Current	153.62Cr	164.34Cr	-	-	-
Pension & Other Post Retirement Benefits	55Cr	48Cr	52Cr	53Cr	44Cr
Deferred Tax Liability Non-Current	54Cr	40Cr	69Cr	76Cr	81Cr
Other Non Current Liabilities	6.94TCr	6.49TCr	7.14TCr	7.56TCr	8.02TCr
Total Liabilities	80TCr	86TCr	93TCr	98TCr	96TCr
Common Stock, Total	5.32TCr	5.46TCr	5.47TCr	5.47TCr	5.49TCr
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	3.13TCr	3.26TCr	3.46TCr	3.74TCr	4.04TCr
Comprehensive Income and Other	137.76Cr	-126.21Cr	538.62Cr	185.71Cr	-180.25Cr
Total Common Equity	8.58TCr	8.6TCr	9.46TCr	9.4TCr	9.34TCr
Minority Interest	274.1Cr	296.01Cr	300.65Cr	323.65Cr	339.72Cr
Total Equity	8.86TCr	8.89TCr	9.76TCr	9.72TCr	9.68TCr
Total Liabilities And Equity	89TCr	95TCr	1,02800Cr	1,07500Cr	1,05400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.19TCr	1.21TCr	1.21TCr	1.21TCr	1.21TCr
ECS Total Common Shares Outstanding	1.19TCr	1.21TCr	1.21TCr	1.21TCr	1.21TCr
Book Value / Share	7.22	7.13	7.85	7.79	7.73
Tangible Book Value	7.91TCr	7.92TCr	8.73TCr	8.7TCr	8.69TCr
Tangible Book Value Per Share	6.66	6.57	7.24	7.21	7.19
Total Debt	8.09TCr	9.75TCr	12TCr	11TCr	10TCr
Deposits at Interest - Cash	1.91TCr	1.86TCr	1.63TCr	2.57TCr	1.65TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	55Cr	48Cr	52Cr	53Cr	44Cr
Net Debt	-4.65TCr	-3.59TCr	-1.61TCr	-4.53TCr	-3.15TCr
Equity Method Investments, Total	249.14Cr	220.72Cr	210.55Cr	185.77Cr	183.24Cr
Full Time Employees	42T	43T	43T	44.12T	43.37T
Number Of Offices	2.62T	3.58T	3.56T	3.57T	3.5T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	809.62Cr	823.49Cr	934.98Cr	1.01TCr	1.05TCr
Depreciation, Depletion & Amortization	75Cr	81Cr	90Cr	85Cr	82Cr
Amortization of Goodwill and Intangible Assets - (CF)	8L	-	-	-	-
Total Depreciation, Depletion & Amortization	75Cr	81Cr	90Cr	85Cr	82Cr
Amortization of Deferred Charges, Total	28Cr	27Cr	25Cr	27Cr	27Cr
(Gain) Loss On Sale of Asset - (CF)	-73.4L	-2.69Cr	-1.43Cr	-1.03Cr	-3.12Cr
(Gain) Loss on Sale of Investments - (CF)	147.92Cr	531.71Cr	-115.06Cr	-166.77Cr	-139.47Cr
Total Asset Writedown	4.08Cr	-81.39L	-2.21Cr	-1.78Cr	56.14L
Provision for Credit Losses	296.86Cr	274.18Cr	246.42Cr	272.24Cr	140.28Cr
(Income) Loss On Equity Investments - (CF)	-19Cr	-13Cr	-24Cr	-24Cr	-27Cr
Stock-Based Compensation (CF)	9.82Cr	8.76Cr	9.38Cr	9.75Cr	18Cr
Change in Other Net Operating Assets (Collected)	-2.69TCr	-4.44TCr	-4.64TCr	-3.8TCr	-2.24TCr
Other Operating Activities	-87Cr	-395.75Cr	-136.53Cr	-175.15Cr	32Cr
Cash from Operations	-1.42TCr	-3.1TCr	-3.62TCr	-2.77TCr	-1.06TCr
Capital Expenditure	-19Cr	-30Cr	-44Cr	-39Cr	-57Cr
Sale of Property, Plant, and Equipment	35.14L	74.12L	1.69Cr	1.49Cr	1.19Cr
Cash Acquisitions	-	-	-	-5.46Cr	-
Divestitures	-	-	-	-	47.13L
Purchase / Sale of Intangible Assets	-25Cr	-35Cr	-47Cr	-41Cr	-51Cr
Sale (Purchase) of Real Estate Properties (Collected)	-66.32L	-8L	-9L	-6L	-36.38L
Investment in Marketable and Equity Securities, Total	-	-	-	26Cr	-
Other Investing Activities, Total	16Cr	18Cr	19Cr	28Cr	34Cr
Cash from Investing	-29Cr	-46Cr	-69Cr	-29Cr	-72Cr
Long-Term Debt Issued, Total	577.05Cr	-	-	324.29Cr	732.86Cr
Total Debt Issued	577.05Cr	-	-	324.29Cr	732.86Cr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-670.25Cr	-442.53Cr	-428.92Cr	-382.94Cr	-285.75Cr
Total Debt Repaid	-670.25Cr	-442.53Cr	-428.92Cr	-382.94Cr	-285.75Cr
Issuance of Common Stock	483.33Cr	140.84Cr	-	-	-
Common Dividends Paid	-918.61Cr	-691.51Cr	-711.19Cr	-724.02Cr	-748.58Cr
Common & Preferred Stock Dividends Paid	-918.61Cr	-691.51Cr	-711.19Cr	-724.02Cr	-748.58Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	2.73TCr	3.99TCr	3.8TCr	5.65TCr	-438.12Cr
Other Financing Activities, Total	-9.06Cr	-9.25Cr	-14Cr	-18Cr	-13Cr
Cash from Financing	2.19TCr	2.99TCr	2.64TCr	4.85TCr	-752.27Cr
Foreign Exchange Rate Adjustments	66Cr	53Cr	71Cr	-77Cr	-138.26Cr
Net Change in Cash	806.87Cr	-105.17Cr	-972.9Cr	1.97TCr	-2.02TCr
Supplemental Items
Cash Income Tax Paid (Refund)	275.94Cr	419.02Cr	336.87Cr	326.4Cr	333.3Cr
Net Debt Issued / Repaid	-93Cr	-442.53Cr	-428.92Cr	-59Cr	447.11Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.95	0.91	0.97	1	1.02
Return On Equity %	9.47	9.44	10.32	10.78	11.16
Return on Common Equity	9.51	9.59	10.37	10.7	11.22
Shareholders Value Added	-211.79Cr	-207.12Cr	-147.35Cr	-122.81Cr	-73Cr
Margin Analysis
SG&A Margin	49.87	50	50.7	50.34	49.55
Net Interest Income / Total Revenues %	54.09	55.75	49.87	45.89	45.53
EBT Excl. Non-Recurring Items Margin %	49.03	48.92	48.74	49.03	49.6
Income From Continuing Operations Margin %	37.4	33.74	37.48	37.65	37.48
Net Income Margin %	36.39	33.19	36.45	36.15	36.38
Net Avail. For Common Margin %	36.39	33.19	36.45	36.15	36.38
Normalized Net Income Margin	29.63	30.02	29.43	29.15	29.9
Asset quality
Nonperforming Loans / Total Loans %	1.77	1.41	1.22	1.13	1.17
Nonperforming Loans / Total Assets %	1.24	0.97	0.84	0.77	0.84
Nonperforming Assets / Total Assets %	1.28	1.01	0.88	0.81	0.87
NPAs / Loans and OREO	1.82	1.47	1.28	1.18	1.22
NPAs / Equity	12.87	10.81	9.25	8.96	9.45
Allowance for Credit Losses / Net Charge-offs %	423.43	451.24	288.95	669.52	601.61
Allowance for Credit Losses / Nonperforming Loans %	107.76	127.48	120.09	122.45	98.3
Allowance for Credit Losses / Total Loans %	1.9	1.8	1.46	1.38	1.15
Provision for Loan Losses / Net Charge-offs %	91.46	84.92	51.09	109.71	39.05
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.76	9.36	9.13	8.97	8.8
Total Average Equity / Total Average Assets %	10.07	9.67	9.43	9.27	9.11
Total Equity + Allowance for Loan Losses / Total Loans %	15.63	14.95	14.88	14.1	13.6
Gross Loans / Total Deposits %	97.94	95.43	96.11	94.07	98.3
Net Loans / Total Deposits %	83.22	82.34	84.01	82.9	87.07
Tier 1 Capital Ratio %	16.81	16.38	16.84	16.14	16.42
Total Capital Ratio %	19.52	19.08	19.4	18.91	19.96
Core Tier 1 Capital Ratio	16.09	15.67	16.19	15.76	16.04
Tier 2 Capital Ratio	2.71	2.7	2.56	2.77	3.54
Coverage Ratio	107.76	127.48	120.09	122.45	98.3
Interbank Ratio	116.09	79.2	75.76	86.85	77.61
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.11	2.56	1.72	1.69	1.89
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.51	14.96	-7.41	0.12	2.73
Non Interest Income, 1 Yr. Growth %	-3.4	3.15	21.68	14.2	-2.79
Provision For Loan Losses, 1 Yr. Growth %	-44.79	-14.09	-16.33	-8.52	-66.35
Total Revenues, 1 Yr. Growth %	13.11	11.53	8.22	8.8	3.55
Earnings From Cont. Operations, 1 Yr. Growth %	23.85	0.62	20.55	9.27	3.09
Net Income, 1 Yr. Growth %	24.92	1.71	17.45	7.9	4.22
Normalized Net Income, 1 Yr. Growth %	27.39	12.98	2.06	7.76	6.23
Diluted EPS Before Extra, 1 Yr. Growth %	20.82	-1.24	16.6	7.8	4.11
Dividend Per Share, 1 Yr. Growth %	11.54	0	3.45	1.67	3.28
Gross Loans, 1 Yr. Growth %	3.93	4.52	7.96	4.75	1.6
Allowance For Loan Losses, 1 Yr. Growth %	3.36	-1.4	-11.93	-1.29	-15.05
Net Loans, 1 Yr. Growth %	5.65	6.14	9.38	5.61	2.12
Non Performing Loans, 1 Yr. Growth %	-5.4	-16.65	-6.57	-3.19	5.82
Non Performing Assets, 1 Yr. Growth %	-5.15	-15.68	-6.04	-3.61	5.12
Total Assets, 1 Yr. Growth %	3.65	6.71	8.39	4.64	-2.02
Total Deposits, 1 Yr Growth %	4.96	7.27	7.24	7.02	-2.77
Tangible Book Value, 1 Yr. Growth %	1.72	0.1	10.48	-0.35	-0.08
Common Equity, 1 Yr. Growth %	1.63	0.17	10.37	-0.71	-0.56
Total Equity, 1 Yr. Growth %	1.66	0.41	10.2	-0.45	-0.38
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.25	11.69	3.1	-3.72	1.42
Non Interest Income, 2 Yr. CAGR %	0.79	-0.18	7.17	17.88	5.37
Provision For Loan Losses, 2 Yr. CAGR %	6.01	-31.13	-15.71	-12.52	-44.52
Total Revenues, 2 Yr. CAGR %	-0.33	12.32	7.37	8.51	6.14
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.91	11.63	7.49	14.77	6.14
Net Income, 2 Yr. CAGR %	-0.62	12.72	7.46	12.58	6.04
Normalized Net Income, 2 Yr. CAGR %	0.01	19.97	7	4.87	6.99
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.61	9.24	5.51	12.11	5.94
Dividend Per Share, 2 Yr. CAGR %	-4.8	5.61	1.71	2.55	2.47
Gross Loans, 2 Yr. CAGR %	1.78	4.23	6.21	6.34	3.17
Allowance For Loan Losses, 2 Yr. CAGR %	8.72	0.95	-6.84	-6.76	-8.43
Net Loans, 2 Yr. CAGR %	2.85	5.89	7.72	7.48	3.85
Non Performing Loans, 2 Yr. CAGR %	-10.73	-11.2	-11.75	-4.9	1.21
Non Performing Assets, 2 Yr. CAGR %	-10.24	-10.57	-10.99	-4.84	0.66
Total Assets, 2 Yr. CAGR %	3.17	5.17	7.57	6.5	1.25
Total Deposits, 2 Yr CAGR %	2.92	6.11	7.21	7.13	2.01
Tangible Book Value, 2 Yr. CAGR %	2.9	0.91	5.02	4.93	-0.21
Common Equity, 2 Yr. CAGR %	2.57	0.9	5.02	4.69	-0.63
Total Equity, 2 Yr. CAGR %	2.63	1.03	5.01	4.74	-0.41
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.11	4.58	4.87	2.1	-1.61
Non Interest Income, 3 Yr. CAGR %	3.49	1.57	3.52	9.46	10.54
Provision For Loan Losses, 3 Yr. CAGR %	17.34	-1.17	-26.8	-13.38	-36.38
Total Revenues, 3 Yr. CAGR %	0.35	3.48	9.25	7.84	6.83
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.14	-0.41	12.69	8.08	10.74
Net Income, 3 Yr. CAGR %	-0.07	0.15	12.99	7.61	9.72
Normalized Net Income, 3 Yr. CAGR %	0.22	4.16	13.4	7.25	5.32
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.08	-2.16	10.39	6.27	9.38
Dividend Per Share, 3 Yr. CAGR %	0.58	-3.23	4.89	1.7	2.79
Gross Loans, 3 Yr. CAGR %	1.2	2.68	5.44	5.72	4.74
Allowance For Loan Losses, 3 Yr. CAGR %	5.1	5.24	-3.56	-5.03	-9.61
Net Loans, 3 Yr. CAGR %	2.35	3.93	7.03	7.01	5.66
Non Performing Loans, 3 Yr. CAGR %	-4.01	-12.75	-9.68	-8.99	-1.45
Non Performing Assets, 3 Yr. CAGR %	-3.72	-12.09	-9.09	-8.6	-1.63
Total Assets, 3 Yr. CAGR %	3.25	4.34	6.25	6.58	3.58
Total Deposits, 3 Yr CAGR %	2.33	4.35	6.46	7.15	3.73
Tangible Book Value, 3 Yr. CAGR %	4.87	1.96	3.91	3.2	3.23
Common Equity, 3 Yr. CAGR %	4.44	1.76	3.88	3.07	2.91
Total Equity, 3 Yr. CAGR %	4.44	1.89	3.88	3.16	3
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.16	2.64	1.16	1.15	3.48
Non Interest Income, 5 Yr. CAGR %	3.76	3.65	4.95	5.91	4.26
Provision For Loan Losses, 5 Yr. CAGR %	-1.92	2.42	2.79	-6.09	-34.48
Total Revenues, 5 Yr. CAGR %	3.04	3.19	3.1	4.5	8
Earnings From Cont. Operations, 5 Yr. CAGR %	3.63	1.44	2.85	4.39	10.02
Net Income, 5 Yr. CAGR %	3.73	1.83	2.88	4.24	10.16
Normalized Net Income, 5 Yr. CAGR %	4.46	4.17	2.88	4.29	10.79
Diluted EPS Before Extra, 5 Yr. CAGR %	0.54	-0.91	0.89	2.62	8.59
Dividend Per Share, 5 Yr. CAGR %	2.21	1.07	1.03	-0.96	3.91
Gross Loans, 5 Yr. CAGR %	1.74	2.34	3.17	4.12	4.53
Allowance For Loan Losses, 5 Yr. CAGR %	8.37	7.27	0.15	0.25	-5.54
Net Loans, 5 Yr. CAGR %	2.65	3.53	4.47	5.33	5.75
Non Performing Loans, 5 Yr. CAGR %	-0.02	-4.44	-7.19	-9.69	-5.47
Non Performing Assets, 5 Yr. CAGR %	0.17	-4.08	-6.7	-9.26	-5.31
Total Assets, 5 Yr. CAGR %	3.83	4.37	4.95	5.2	4.22
Total Deposits, 5 Yr CAGR %	3.77	4.02	4.25	5.44	4.65
Tangible Book Value, 5 Yr. CAGR %	5.28	3.64	4.93	3.08	2.24
Common Equity, 5 Yr. CAGR %	4.6	3.32	4.67	2.87	2.05
Total Equity, 5 Yr. CAGR %	4.67	3.41	4.67	2.95	2.14