Cash flow Malayan Banking

Equities

MAYBANK

MYL1155OO000

Banks

Delayed BURSA MALAYSIA Other stock markets 08:05:43 19/02/2026 am IST			5-day change	1st Jan Change
12.00 ^MYR	+0.50%		-1.32%	+14.31%

05/02	Maybank CEO: Malaysia to Keep Rates Steady This Year	MT
30/01	Malayan Banking Berhad Announces Redemption of Subordinated Sukuk Murabahah Under Shariah Principles	CI

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Published financial data: MALAYAN BANKING

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.94TCr	1.72TCr	2.16TCr	3.02TCr	3.28TCr
Interest Income, Total	1.94TCr	1.72TCr	2.16TCr	3.02TCr	3.28TCr
Interest On Deposits	826.04Cr	517.12Cr	779.33Cr	1.74TCr	2TCr
Interest Expense, Total	826.04Cr	517.12Cr	779.33Cr	1.74TCr	2TCr
Net Interest Income	1.11TCr	1.2TCr	1.38TCr	1.28TCr	1.28TCr
Gain (Loss) on Sale of Assets	1.38Cr	13.03L	39.99L	41.24L	77.04L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	218.67Cr	-113.52Cr	-226.21Cr	149.39Cr	306.26Cr
Total Other Non Interest Income	1.1TCr	1.39TCr	1.54TCr	1.32TCr	1.37TCr
Non Interest Income, Total	1.32TCr	1.28TCr	1.32TCr	1.47TCr	1.68TCr
Revenues Before Provison For Loan Losses	2.43TCr	2.48TCr	2.7TCr	2.75TCr	2.96TCr
Provision For Loan Losses	459.86Cr	257.05Cr	220.83Cr	182.62Cr	167.05Cr
Total Revenues	1.97TCr	2.22TCr	2.48TCr	2.57TCr	2.79TCr
Salaries And Other Employee Benefits	648.24Cr	671Cr	741.59Cr	768.52Cr	849.88Cr
Stock-Based Compensation (IS)	8.08Cr	9.82Cr	8.76Cr	9.38Cr	9.75Cr
Amort. of Goodwill & Intang. Assets	29Cr	28Cr	27Cr	23Cr	25Cr
Occupancy Expense	97Cr	95Cr	102.24Cr	108.53Cr	103.56Cr
Selling General & Admin Expenses, Total	337.92Cr	343.84Cr	396.94Cr	423.51Cr	451.27Cr
(Income) Loss on Equity Invest.	-21Cr	-19Cr	-13Cr	-24Cr	-24Cr
Total Other Non Interest Expense	4.98Cr	4.1Cr	4.08Cr	5.74Cr	6.55Cr
Non Operating (Income) Expenses	-	70.31L	-12.5L	-	-
Non Interest Expense, Total	1.1TCr	1.13TCr	1.27TCr	1.31TCr	1.42TCr
EBT, Excl. Unusual Items	863.84Cr	1.09TCr	1.21TCr	1.25TCr	1.37TCr
Impairment of Goodwill	-	-5.35Cr	-	-	-
Asset Writedown	1.85Cr	3.03Cr	1.35Cr	3Cr	1.84Cr
EBT, Incl. Unusual Items	865.7Cr	1.09TCr	1.22TCr	1.25TCr	1.37TCr
Income Tax Expense	193.79Cr	256.51Cr	378.03Cr	291.67Cr	319.52Cr
Earnings From Continuing Operations	671.91Cr	832.15Cr	837.3Cr	961.49Cr	1.05TCr
Net Income to Company	671.91Cr	832.15Cr	837.3Cr	961.49Cr	1.05TCr
Minority Interest	-24Cr	-23Cr	-14Cr	-27Cr	-42Cr
Net Income - (IS)	648.12Cr	809.62Cr	823.49Cr	934.98Cr	1.01TCr
Net Income to Common Incl Extra Items	648.12Cr	809.62Cr	823.49Cr	934.98Cr	1.01TCr
Net Income to Common Excl. Extra Items	648.12Cr	809.62Cr	823.49Cr	934.98Cr	1.01TCr
Per Share Items
Net EPS - Basic	0.58	0.7	0.69	0.78	0.84
Basic EPS - Continuing Operations	0.58	0.7	0.69	0.78	0.84
Basic Weighted Average Shares Outstanding	1.12TCr	1.16TCr	1.2TCr	1.21TCr	1.21TCr
Net EPS - Diluted	0.58	0.7	0.69	0.78	0.84
Diluted EPS - Continuing Operations	0.58	0.7	0.69	0.78	0.84
Diluted Weighted Average Shares Outstanding	1.12TCr	1.16TCr	1.2TCr	1.21TCr	1.21TCr
Normalized Basic EPS	0.46	0.57	0.62	0.63	0.67
Normalized Diluted EPS	0.46	0.57	0.62	0.63	0.67
Dividend Per Share	0.52	0.58	0.58	0.6	0.61
Payout Ratio	67.64	113.46	83.97	76.07	71.77
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	22.39	23.56	31.1	23.28	23.32
Current Domestic Taxes	148.51Cr	-	323.32Cr	236.13Cr	255.9Cr
Current Foreign Taxes	19Cr	-	74Cr	66Cr	65Cr
Total Current Taxes	167.37Cr	325.06Cr	397.82Cr	302.23Cr	321.34Cr
Total Deferred Taxes	23Cr	-73Cr	-25Cr	-18Cr	-12Cr
Normalized Net Income	516.12Cr	659.34Cr	744.93Cr	754.84Cr	813.43Cr
Non-Cash Pension Expense	4.95Cr	2.51Cr	2.36Cr	3.07Cr	-2.71Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	8.08Cr	9.82Cr	8.76Cr	9.38Cr	9.75Cr
Total Stock-Based Compensation	8.08Cr	9.82Cr	8.76Cr	9.38Cr	9.75Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4.39TCr	4.15TCr	3.76TCr	2.89TCr	4.05TCr
Investment Securities, Total	20TCr	22TCr	23TCr	26TCr	25TCr
Trading Asset Securities, Total	6.04TCr	5.26TCr	6.21TCr	6.24TCr	6.87TCr
Total investments	27TCr	27TCr	29TCr	32TCr	32TCr
Gross Loans	60TCr	63TCr	65TCr	71TCr	74TCr
Allowance For Loan Losses	-1.15TCr	-1.19TCr	-1.17TCr	-1.03TCr	-1.02TCr
Other Adjustments to Gross Loans	-8.72TCr	-8.21TCr	-7.79TCr	-7.84TCr	-7.75TCr
Net Loans	50TCr	53TCr	56TCr	62TCr	65TCr
Gross Property Plant And Equipment	775.99Cr	813.48Cr	832.78Cr	937.55Cr	942.97Cr
Accumulated Depreciation	-430.76Cr	-483.42Cr	-500.89Cr	-543.01Cr	-569.02Cr
Net Property Plant And Equipment	345.23Cr	330.06Cr	331.88Cr	394.54Cr	373.96Cr
Goodwill	553.63Cr	561.38Cr	559.86Cr	598.25Cr	549.73Cr
Other Intangibles, Total	111.22Cr	106.97Cr	114.85Cr	137.94Cr	149.6Cr
Investment in Real Estate	94Cr	98Cr	99Cr	102Cr	103.87Cr
Other Receivables	864.91Cr	737.61Cr	1.03TCr	1.06TCr	1.4TCr
Restricted Cash	746.82Cr	751.41Cr	1.38TCr	1.57TCr	1.72TCr
Other Current Assets, Total	1.13TCr	1.24TCr	1.33TCr	1.55TCr	1.47TCr
Deferred Tax Assets Long-Term (Collected)	79Cr	150.54Cr	246.29Cr	130.9Cr	167.22Cr
Other Real Estate Owned And Foreclosed	35Cr	36Cr	41Cr	43Cr	38Cr
Other Long-Term Assets, Total	509.8Cr	666.93Cr	605.36Cr	591.38Cr	602.55Cr
Total Assets	86TCr	89TCr	95TCr	1,02800Cr	1,07500Cr
Liabilities
Accrued Expenses, Total	513.77Cr	680.97Cr	685.08Cr	500.33Cr	459.51Cr
Interest Bearing Deposits	47TCr	48TCr	54TCr	59TCr	64TCr
Non-Interest Bearing Deposits	14TCr	16TCr	15TCr	14TCr	15TCr
Total Deposits	61TCr	64TCr	68TCr	73TCr	79TCr
Short-Term Borrowings	1.92TCr	1.26TCr	2.79TCr	2.51TCr	2.75TCr
Current Portion of Long-Term Debt	2.55TCr	2.15TCr	3.07TCr	5.83TCr	4.8TCr
Current Portion of Leases	34Cr	11Cr	27Cr	38Cr	35Cr
Long-Term Debt	4.57TCr	4.56TCr	3.78TCr	3.22TCr	3.29TCr
Long-Term Leases	84Cr	102Cr	87Cr	113.77Cr	97Cr
Current Income Taxes Payable	15Cr	31Cr	37Cr	24Cr	29Cr
Other Current Liabilities - (Bank / Utility Template)	100Cr	107.56Cr	181.1Cr	113.32Cr	121.46Cr
Unearned Revenue Non Current	145.16Cr	153.62Cr	164.34Cr	-	-
Pension & Other Post Retirement Benefits	54Cr	55Cr	48Cr	52Cr	53Cr
Deferred Tax Liability Non-Current	147.09Cr	54Cr	40Cr	69Cr	76Cr
Other Non Current Liabilities	6.02TCr	6.94TCr	6.49TCr	7.14TCr	7.56TCr
Total Liabilities	77TCr	80TCr	86TCr	93TCr	98TCr
Common Stock, Total	4.83TCr	5.32TCr	5.46TCr	5.47TCr	5.47TCr
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	3.19TCr	3.13TCr	3.26TCr	3.46TCr	3.74TCr
Comprehensive Income and Other	422.84Cr	137.76Cr	-126.21Cr	538.62Cr	185.71Cr
Total Common Equity	8.44TCr	8.58TCr	8.6TCr	9.46TCr	9.4TCr
Minority Interest	267.3Cr	274.1Cr	296.01Cr	300.65Cr	323.65Cr
Total Equity	8.71TCr	8.86TCr	8.89TCr	9.76TCr	9.72TCr
Total Liabilities And Equity	86TCr	89TCr	95TCr	1,02800Cr	1,07500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.14TCr	1.19TCr	1.21TCr	1.21TCr	1.21TCr
ECS Total Common Shares Outstanding	1.12TCr	1.19TCr	1.21TCr	1.21TCr	1.21TCr
Book Value / Share	7.51	7.22	7.13	7.85	7.79
Tangible Book Value	7.78TCr	7.91TCr	7.92TCr	8.73TCr	8.7TCr
Tangible Book Value Per Share	6.92	6.66	6.57	7.24	7.21
Total Debt	9.15TCr	8.09TCr	9.75TCr	12TCr	11TCr
Deposits at Interest - Cash	1.55TCr	1.91TCr	1.86TCr	1.63TCr	2.57TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	54Cr	55Cr	48Cr	52Cr	53Cr
Net Debt	-4.5TCr	-4.65TCr	-3.59TCr	-1.61TCr	-4.53TCr
Equity Method Investments, Total	268.04Cr	249.14Cr	220.72Cr	210.55Cr	185.77Cr
Full Time Employees	42T	42T	43T	43T	44.12T
Number Of Offices	2.63T	2.62T	2.61T	2.6T	2.63T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	648.12Cr	809.62Cr	823.49Cr	934.98Cr	1.01TCr
Depreciation, Depletion & Amortization	76Cr	75Cr	81Cr	90Cr	85Cr
Amortization of Goodwill and Intangible Assets - (CF)	35.51L	8L	-	-	-
Total Depreciation, Depletion & Amortization	77Cr	75Cr	81Cr	90Cr	85Cr
Amortization of Deferred Charges, Total	28Cr	28Cr	27Cr	25Cr	27Cr
(Gain) Loss On Sale of Asset - (CF)	4L	-73.4L	-2.69Cr	-1.43Cr	-1.03Cr
(Gain) Loss on Sale of Investments - (CF)	-287.97Cr	147.92Cr	531.71Cr	-115.06Cr	-166.77Cr
Total Asset Writedown	58.16L	4.08Cr	-81.39L	-2.21Cr	-1.78Cr
Provision for Credit Losses	498.45Cr	296.86Cr	274.18Cr	246.42Cr	272.24Cr
(Income) Loss On Equity Investments - (CF)	-21Cr	-19Cr	-13Cr	-24Cr	-24Cr
Stock-Based Compensation (CF)	8.08Cr	9.82Cr	8.76Cr	9.38Cr	9.75Cr
Change in Other Net Operating Assets (Collected)	-1.45TCr	-2.69TCr	-4.44TCr	-4.64TCr	-3.8TCr
Other Operating Activities	30Cr	-87Cr	-395.75Cr	-136.53Cr	-175.15Cr
Cash from Operations	-464.04Cr	-1.42TCr	-3.1TCr	-3.62TCr	-2.77TCr
Capital Expenditure	-20Cr	-19Cr	-30Cr	-44Cr	-39Cr
Sale of Property, Plant, and Equipment	2.98Cr	35.14L	74.12L	1.69Cr	1.49Cr
Cash Acquisitions	-	-	-	-	-5.46Cr
Divestitures	17Cr	-	-	-	-
Purchase / Sale of Intangible Assets	-28Cr	-25Cr	-35Cr	-47Cr	-41Cr
Sale (Purchase) of Real Estate Properties (Collected)	-39.09L	-66.32L	-8L	-9L	-6L
Investment in Marketable and Equity Securities, Total	-	-	-	-	26Cr
Other Investing Activities, Total	13Cr	16Cr	18Cr	19Cr	28Cr
Cash from Investing	-15Cr	-29Cr	-46Cr	-69Cr	-29Cr
Long-Term Debt Issued, Total	749.9Cr	577.05Cr	-	-	324.29Cr
Total Debt Issued	749.9Cr	577.05Cr	-	-	324.29Cr
Short Term Debt Repaid, Total	-152.62Cr	-	-	-	-
Long-Term Debt Repaid, Total	-705.08Cr	-670.25Cr	-442.53Cr	-428.92Cr	-382.94Cr
Total Debt Repaid	-857.71Cr	-670.25Cr	-442.53Cr	-428.92Cr	-382.94Cr
Issuance of Common Stock	-	483.33Cr	140.84Cr	-	-
Common Dividends Paid	-438.41Cr	-918.61Cr	-691.51Cr	-711.19Cr	-724.02Cr
Common & Preferred Stock Dividends Paid	-438.41Cr	-918.61Cr	-691.51Cr	-711.19Cr	-724.02Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	688.86Cr	2.73TCr	3.99TCr	3.8TCr	5.65TCr
Other Financing Activities, Total	-8.95Cr	-9.06Cr	-9.25Cr	-14Cr	-18Cr
Cash from Financing	133.69Cr	2.19TCr	2.99TCr	2.64TCr	4.85TCr
Foreign Exchange Rate Adjustments	-4.13Cr	66Cr	53Cr	71Cr	-77Cr
Net Change in Cash	-349.33Cr	806.87Cr	-105.17Cr	-972.9Cr	1.97TCr
Supplemental Items
Cash Income Tax Paid (Refund)	173.35Cr	275.94Cr	419.02Cr	336.87Cr	326.4Cr
Net Debt Issued / Repaid	-107.8Cr	-93Cr	-442.53Cr	-428.92Cr	-59Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.79	0.95	0.91	0.97	1
Return On Equity %	7.85	9.47	9.44	10.32	10.78
Return on Common Equity	7.81	9.51	9.59	10.37	10.7
Shareholders Value Added	-347.57Cr	-211.79Cr	-207.12Cr	-147.35Cr	-122.81Cr
Margin Analysis
SG&A Margin	55.03	49.87	50	50.7	50.34
Net Interest Income / Total Revenues %	56.37	54.09	55.75	49.87	45.89
EBT Excl. Non-Recurring Items Margin %	43.91	49.03	48.92	48.74	49.03
Income From Continuing Operations Margin %	34.15	37.4	33.74	37.48	37.65
Net Income Margin %	32.94	36.39	33.19	36.45	36.15
Net Avail. For Common Margin %	32.94	36.39	33.19	36.45	36.15
Normalized Net Income Margin	26.23	29.63	30.02	29.43	29.15
Asset quality
Nonperforming Loans / Total Loans %	1.94	1.77	1.41	1.22	1.13
Nonperforming Loans / Total Assets %	1.36	1.24	0.97	0.84	0.77
Nonperforming Assets / Total Assets %	1.4	1.28	1.01	0.88	0.81
NPAs / Loans and OREO	2	1.82	1.47	1.28	1.18
NPAs / Equity	13.8	12.87	10.81	9.25	8.96
Allowance for Credit Losses / Net Charge-offs %	424	423.43	451.24	288.95	669.52
Allowance for Credit Losses / Nonperforming Loans %	98.62	107.76	127.48	120.09	122.45
Allowance for Credit Losses / Total Loans %	1.91	1.9	1.8	1.46	1.38
Provision for Loan Losses / Net Charge-offs %	169.35	91.46	84.92	51.09	109.71
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.82	9.76	9.36	9.13	8.97
Total Average Equity / Total Average Assets %	10.12	10.07	9.67	9.43	9.27
Total Equity + Allowance for Loan Losses / Total Loans %	15.95	15.63	14.95	14.88	14.1
Gross Loans / Total Deposits %	98.91	97.94	95.43	96.11	94.07
Net Loans / Total Deposits %	82.68	83.22	82.34	84.01	82.9
Tier 1 Capital Ratio %	16.03	16.81	16.38	16.84	16.14
Total Capital Ratio %	18.68	19.52	19.08	19.4	18.91
Core Tier 1 Capital Ratio	15.31	16.09	15.67	16.19	15.76
Tier 2 Capital Ratio	2.66	2.71	2.7	2.56	2.77
Coverage Ratio	98.62	107.76	127.48	120.09	122.45
Interbank Ratio	97.49	116.09	79.2	75.76	86.85
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.05	3.11	2.56	1.72	1.69
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-8.31	8.51	14.96	-7.41	0.12
Non Interest Income, 1 Yr. Growth %	4.73	-3.4	3.15	21.68	14.2
Provision For Loan Losses, 1 Yr. Growth %	101.03	-44.79	-14.09	-16.33	-8.52
Total Revenues, 1 Yr. Growth %	-12.15	13.11	11.53	8.22	8.8
Earnings From Cont. Operations, 1 Yr. Growth %	-20.72	23.85	0.62	20.55	9.27
Net Income, 1 Yr. Growth %	-20.94	24.92	1.71	17.45	7.9
Normalized Net Income, 1 Yr. Growth %	-21.7	27.39	12.98	2.06	7.76
Diluted EPS Before Extra, 1 Yr. Growth %	-21.5	20.82	-1.24	16.6	7.8
Dividend Per Share, 1 Yr. Growth %	-18.75	11.54	0	3.45	1.67
Gross Loans, 1 Yr. Growth %	-0.34	3.93	4.52	7.96	4.75
Allowance For Loan Losses, 1 Yr. Growth %	14.36	3.36	-1.4	-11.93	-1.29
Net Loans, 1 Yr. Growth %	0.11	5.65	6.14	9.38	5.61
Non Performing Loans, 1 Yr. Growth %	-15.76	-5.4	-16.65	-6.57	-3.19
Non Performing Assets, 1 Yr. Growth %	-15.05	-5.15	-15.68	-6.04	-3.61
Total Assets, 1 Yr. Growth %	2.69	3.65	6.71	8.39	4.64
Total Deposits, 1 Yr Growth %	0.92	4.96	7.27	7.24	7.02
Tangible Book Value, 1 Yr. Growth %	4.09	1.72	0.1	10.48	-0.35
Common Equity, 1 Yr. Growth %	3.51	1.63	0.17	10.37	-0.71
Total Equity, 1 Yr. Growth %	3.62	1.66	0.41	10.2	-0.45
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.16	-0.25	11.69	3.1	-3.72
Non Interest Income, 2 Yr. CAGR %	6.9	0.79	-0.18	7.17	17.88
Provision For Loan Losses, 2 Yr. CAGR %	70	6.01	-31.13	-15.71	-12.52
Total Revenues, 2 Yr. CAGR %	-5.47	-0.33	12.32	7.37	8.51
Earnings From Cont. Operations, 2 Yr. CAGR %	-10.33	-0.91	11.63	7.49	14.77
Net Income, 2 Yr. CAGR %	-10.62	-0.62	12.72	7.46	12.58
Normalized Net Income, 2 Yr. CAGR %	-11.24	0.01	19.97	7	4.87
Diluted EPS Before Extra, 2 Yr. CAGR %	-11.85	-2.61	9.24	5.51	12.11
Dividend Per Share, 2 Yr. CAGR %	-4.49	-4.8	5.61	1.71	2.55
Gross Loans, 2 Yr. CAGR %	-0.14	1.78	4.23	6.21	6.34
Allowance For Loan Losses, 2 Yr. CAGR %	5.98	8.72	0.95	-6.84	-6.76
Net Loans, 2 Yr. CAGR %	0.74	2.85	5.89	7.72	7.48
Non Performing Loans, 2 Yr. CAGR %	-3.31	-10.73	-11.2	-11.75	-4.9
Non Performing Assets, 2 Yr. CAGR %	-3	-10.24	-10.57	-10.99	-4.84
Total Assets, 2 Yr. CAGR %	3.04	3.17	5.17	7.57	6.5
Total Deposits, 2 Yr CAGR %	1.03	2.92	6.11	7.21	7.13
Tangible Book Value, 2 Yr. CAGR %	6.48	2.9	0.91	5.02	4.93
Common Equity, 2 Yr. CAGR %	5.87	2.57	0.9	5.02	4.69
Total Equity, 2 Yr. CAGR %	5.86	2.63	1.03	5.01	4.74
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.99	-0.11	4.58	4.87	2.1
Non Interest Income, 3 Yr. CAGR %	6.15	3.49	1.57	3.52	9.46
Provision For Loan Losses, 3 Yr. CAGR %	32.9	17.34	-1.17	-26.8	-13.38
Total Revenues, 3 Yr. CAGR %	-2.47	0.35	3.48	9.25	7.84
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.84	-0.14	-0.41	12.69	8.08
Net Income, 3 Yr. CAGR %	-4.84	-0.07	0.15	12.99	7.61
Normalized Net Income, 3 Yr. CAGR %	-5.28	0.22	4.16	13.4	7.25
Diluted EPS Before Extra, 3 Yr. CAGR %	-7.14	-2.08	-2.16	10.39	6.27
Dividend Per Share, 3 Yr. CAGR %	-1.85	0.58	-3.23	4.89	1.7
Gross Loans, 3 Yr. CAGR %	1.09	1.2	2.68	5.44	5.72
Allowance For Loan Losses, 3 Yr. CAGR %	11.7	5.1	5.24	-3.56	-5.03
Net Loans, 3 Yr. CAGR %	1.99	2.35	3.93	7.03	7.01
Non Performing Loans, 3 Yr. CAGR %	0.36	-4.01	-12.75	-9.68	-8.99
Non Performing Assets, 3 Yr. CAGR %	0.51	-3.72	-12.09	-9.09	-8.6
Total Assets, 3 Yr. CAGR %	3.84	3.25	4.34	6.25	6.58
Total Deposits, 3 Yr CAGR %	2.64	2.33	4.35	6.46	7.15
Tangible Book Value, 3 Yr. CAGR %	5.51	4.87	1.96	3.91	3.2
Common Equity, 3 Yr. CAGR %	4.98	4.44	1.76	3.88	3.07
Total Equity, 3 Yr. CAGR %	5.03	4.44	1.89	3.88	3.16
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.04	1.16	2.64	1.16	1.15
Non Interest Income, 5 Yr. CAGR %	6.12	3.76	3.65	4.95	5.91
Provision For Loan Losses, 5 Yr. CAGR %	22.26	-1.92	2.42	2.79	-6.09
Total Revenues, 5 Yr. CAGR %	0.46	3.04	3.19	3.1	4.5
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.78	3.63	1.44	2.85	4.39
Net Income, 5 Yr. CAGR %	-1.06	3.73	1.83	2.88	4.24
Normalized Net Income, 5 Yr. CAGR %	-1.28	4.46	4.17	2.88	4.29
Diluted EPS Before Extra, 5 Yr. CAGR %	-4.35	0.54	-0.91	0.89	2.62
Dividend Per Share, 5 Yr. CAGR %	-0.75	2.21	1.07	1.03	-0.96
Gross Loans, 5 Yr. CAGR %	1.7	1.74	2.34	3.17	4.12
Allowance For Loan Losses, 5 Yr. CAGR %	13.33	8.37	7.27	0.15	0.25
Net Loans, 5 Yr. CAGR %	2.6	2.65	3.53	4.47	5.33
Non Performing Loans, 5 Yr. CAGR %	6.42	-0.02	-4.44	-7.19	-9.69
Non Performing Assets, 5 Yr. CAGR %	6.6	0.17	-4.08	-6.7	-9.26
Total Assets, 5 Yr. CAGR %	3.88	3.83	4.37	4.95	5.2
Total Deposits, 5 Yr CAGR %	2.89	3.77	4.02	4.25	5.44
Tangible Book Value, 5 Yr. CAGR %	7.28	5.28	3.64	4.93	3.08
Common Equity, 5 Yr. CAGR %	6.48	4.6	3.32	4.67	2.87
Total Equity, 5 Yr. CAGR %	6.52	4.67	3.41	4.67	2.95