Cash flow Mitsubishi UFJ Financial Group, Inc.

Equities

8306

JP3902900004

Banks

Market Closed - Japan Exchange Other stock markets 12:00:00 23/01/2026 pm IST			5-day change	1st Jan Change
2,835.50 ^JPY	+0.64%		-4.34%	+13.74%

22/01	Asian Equities Traded in the US as American Depositary Receipts Rise in Thursday Trading	MT
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Published financial data: MITSUBISHI UFJ FINANCIAL GROUP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	2,02400Cr	1,75900Cr	3,15300Cr	4,87400Cr	5,52300Cr
Interest Income On Investments	73TCr	77TCr	1,45800Cr	2,23300Cr	2,74200Cr
Interest Income, Total	2,75200Cr	2,53100Cr	4,61100Cr	7,10700Cr	8,26600Cr
Interest On Deposits	33TCr	22TCr	1,17000Cr	2,51500Cr	2,83900Cr
Total Interest On Borrowings	42TCr	34TCr	1,05200Cr	1,99800Cr	2,33900Cr
Interest Expense, Total	75TCr	56TCr	2,22200Cr	4,51300Cr	5,17700Cr
Net Interest Income	2,00400Cr	1,97100Cr	2,38900Cr	2,59400Cr	3,08800Cr
Income From Trading Activities	-41TCr	-82TCr	-79TCr	-70TCr	3.23TCr
Gain (Loss) on Sale of Loans	1.79TCr	1.66TCr	-3.4TCr	-4.51TCr	4.17TCr
Gain (Loss) on Sale of Assets	-	-13TCr	69TCr	-	885Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1,45800Cr	-12TCr	-25TCr	1,38000Cr	-83TCr
Income (Loss) on Equity Invest. (Income Block)	36TCr	44TCr	40TCr	46TCr	67TCr
Total Other Non Interest Income	1,73600Cr	1,88500Cr	1,82000Cr	1,76800Cr	2,64500Cr
Non Interest Income, Total	3,15800Cr	1,26100Cr	1,83000Cr	2,86800Cr	2,57100Cr
Revenues Before Provison For Loan Losses	5,16200Cr	3,23100Cr	4,21900Cr	5,46200Cr	5,65900Cr
Provision For Loan Losses	48TCr	28TCr	814.8Cr	24TCr	12TCr
Total Revenues	4,67800Cr	2,95300Cr	4,21100Cr	5,22400Cr	5,53700Cr
Salaries And Other Employee Benefits	1,23700Cr	1,27700Cr	1,34400Cr	1,39800Cr	1,47400Cr
Amort. of Goodwill & Intang. Assets	25TCr	26TCr	27TCr	29TCr	30TCr
Occupancy Expense	27TCr	25TCr	24TCr	24TCr	18TCr
Federal Deposit Insurance	9.05TCr	9.56TCr	7.43TCr	9.1TCr	9.89TCr
Selling General & Admin Expenses, Total	36TCr	38TCr	41TCr	38TCr	46TCr
Total Other Non Interest Expense	67TCr	71TCr	1,15600Cr	90TCr	1,03300Cr
Non Interest Expense, Total	2,87100Cr	2,97200Cr	3,49400Cr	3,29700Cr	3,53800Cr
EBT, Excl. Unusual Items	1,80600Cr	-1.88TCr	72TCr	1,92700Cr	1,99800Cr
Restructuring Charges	-1.67TCr	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-259.9Cr	-385.6Cr
Impairment of Goodwill	-15TCr	-	-3.36TCr	-	-15TCr
Asset Writedown	-3.39TCr	-3.99TCr	-2.64TCr	-4.16TCr	-4.89TCr
EBT, Incl. Unusual Items	1,60800Cr	-5.87TCr	66TCr	1,88300Cr	1,79600Cr
Income Tax Expense	44TCr	-1.45TCr	2.64TCr	50TCr	53TCr
Earnings From Continuing Operations	1,16300Cr	-4.42TCr	63TCr	1,38100Cr	1,26800Cr
Net Income to Company	1,16300Cr	-4.42TCr	63TCr	1,38100Cr	1,26800Cr
Minority Interest	-4.61TCr	-3.91TCr	-3.04TCr	-5.29TCr	-70Cr
Net Income - (IS)	1,11700Cr	-8.33TCr	60TCr	1,32800Cr	1,26700Cr
Net Income to Common Incl Extra Items	1,11700Cr	-8.33TCr	60TCr	1,32800Cr	1,26700Cr
Net Income to Common Excl. Extra Items	1,11700Cr	-8.33TCr	60TCr	1,32800Cr	1,26700Cr
Per Share Items
Net EPS - Basic	86.88	-6.51	48.7	110.87	108.71
Basic EPS - Continuing Operations	86.88	-6.51	48.7	110.87	108.71
Basic Weighted Average Shares Outstanding	1.29TCr	1.28TCr	1.23TCr	1.2TCr	1.17TCr
Net EPS - Diluted	86.56	-6.93	48.39	110.58	108.18
Diluted EPS - Continuing Operations	86.56	-6.93	48.39	110.58	108.18
Diluted Weighted Average Shares Outstanding	1.29TCr	1.28TCr	1.23TCr	1.2TCr	1.17TCr
Normalized Basic EPS	84.21	-3.97	33.89	96.11	107.11
Normalized Diluted EPS	84.21	-3.97	33.89	96.1	107.11
Dividend Per Share	25	28	32	41	64
Payout Ratio	28.73	-400.68	63.26	33.03	41.98
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	27.66	24.71	4.02	26.64	29.4
Current Domestic Taxes	9.52TCr	24TCr	25TCr	11TCr	12TCr
Current Foreign Taxes	8.35TCr	11TCr	20TCr	30TCr	24TCr
Total Current Taxes	18TCr	36TCr	45TCr	41TCr	36TCr
Deferred Domestic Taxes	31TCr	-31TCr	-35TCr	8.83TCr	10TCr
Deferred Foreign Taxes	-4.42TCr	-6.25TCr	-7.88TCr	478.4Cr	6.42TCr
Total Deferred Taxes	27TCr	-37TCr	-43TCr	9.31TCr	17TCr
Normalized Net Income	1,08300Cr	-5.09TCr	42TCr	1,15100Cr	1,24800Cr
Non-Cash Pension Expense	-5.67TCr	-8.45TCr	-980Cr	-7.52TCr	-11TCr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,00,44200Cr	1,06,82900Cr	1,11,12200Cr	1,07,02700Cr	1,06,33500Cr
Investment Securities, Total	74,49800Cr	74,74600Cr	79,33500Cr	83,79900Cr	81,55200Cr
Trading Asset Securities, Total	39,41200Cr	33,81100Cr	34,76100Cr	42,37600Cr	50,14100Cr
Mortgage Backed Securities	2,45400Cr	1,13500Cr	5,02400Cr	6,18200Cr	5,81300Cr
Total investments	1,16,36500Cr	1,09,69300Cr	1,19,11900Cr	1,32,35700Cr	1,37,50500Cr
Gross Loans	1,16,93100Cr	1,14,27300Cr	1,21,19200Cr	1,29,19600Cr	1,32,67000Cr
Allowance For Loan Losses	-1,34800Cr	-1,47100Cr	-1,27300Cr	-1,36600Cr	-1,24300Cr
Other Adjustments to Gross Loans	-31TCr	-32TCr	-40TCr	-49TCr	-44TCr
Net Loans	1,15,27300Cr	1,12,48000Cr	1,19,51800Cr	1,27,34200Cr	1,30,98400Cr
Gross Property Plant And Equipment	2,39700Cr	2,18600Cr	2,22200Cr	2,27600Cr	2,32900Cr
Accumulated Depreciation	-1,18400Cr	-1,10800Cr	-1,13400Cr	-1,16900Cr	-1,16200Cr
Net Property Plant And Equipment	1,21400Cr	1,07800Cr	1,08800Cr	1,10700Cr	1,16700Cr
Goodwill	37TCr	30TCr	30TCr	49TCr	56TCr
Other Intangibles, Total	1,17400Cr	1,14900Cr	1,17400Cr	1,29900Cr	1,40300Cr
Loans Held For Sale	35TCr	51TCr	97TCr	97TCr	89TCr
Accrued Interest Receivable	26TCr	25TCr	50TCr	74TCr	76TCr
Other Receivables	1,56300Cr	1,83200Cr	2,54900Cr	2,93600Cr	2,32000Cr
Restricted Cash	5,88600Cr	6,81800Cr	6,43700Cr	7,09700Cr	5,54000Cr
Other Current Assets, Total	6,53900Cr	22,20600Cr	13,12100Cr	9,78700Cr	12,01100Cr
Deferred Tax Assets Long-Term (Collected)	12TCr	7.92TCr	18TCr	14TCr	12TCr
Other Long-Term Assets, Total	4,26300Cr	4,42300Cr	5,66000Cr	6,15100Cr	6,34500Cr
Total Assets	3,53,82500Cr	3,67,65000Cr	3,81,73600Cr	3,97,43600Cr	4,05,94000Cr
Liabilities
Accounts Payable, Total	1,28100Cr	1,31100Cr	1,92100Cr	1,83800Cr	1,69000Cr
Accrued Expenses, Total	4,66800Cr	5,07700Cr	5,99700Cr	5,67700Cr	5,24700Cr
Interest Bearing Deposits	1,41,79200Cr	1,88,09400Cr	1,97,47300Cr	2,07,63000Cr	2,12,59500Cr
Institutional Deposits	48,89300Cr	-	-	-	-
Non-Interest Bearing Deposits	38,52100Cr	36,49600Cr	37,80400Cr	38,78700Cr	36,82000Cr
Total Deposits	2,29,20700Cr	2,24,59000Cr	2,35,27700Cr	2,46,41700Cr	2,49,41500Cr
Short-Term Borrowings	57,60000Cr	64,97400Cr	72,96000Cr	74,09800Cr	98,90900Cr
Current Portion of Long-Term Debt	-	-	-	20,10000Cr	3,98800Cr
Current Portion of Leases	11TCr	9.53TCr	9.3TCr	8.96TCr	9TCr
Long-Term Debt	35,13800Cr	34,68000Cr	39,05200Cr	19,79600Cr	17,01300Cr
Long-Term Leases	38TCr	31TCr	26TCr	27TCr	27TCr
Accrued Interest Payable	11TCr	9.82TCr	39TCr	56TCr	56TCr
Other Current Liabilities - (Bank / Utility Template)	8,03600Cr	19,43200Cr	8,82300Cr	9,15900Cr	8,39400Cr
Pension & Other Post Retirement Benefits	9.37TCr	8.91TCr	8.91TCr	11TCr	10TCr
Deferred Tax Liability Non-Current	83TCr	53TCr	21TCr	61TCr	75TCr
Other Non Current Liabilities	12TCr	17TCr	20TCr	24TCr	25TCr
Total Liabilities	3,37,58000Cr	3,51,35300Cr	3,65,27000Cr	3,78,95900Cr	3,86,69000Cr
Common Stock, Total	2,09000Cr	2,09000Cr	2,09000Cr	2,09000Cr	2,09000Cr
Additional Paid In Capital	5,53400Cr	5,32800Cr	4,90200Cr	4,63600Cr	4,30000Cr
Retained Earnings	8,82900Cr	8,41200Cr	8,40900Cr	9,31200Cr	10,06100Cr
Treasury Stock	-50TCr	-45TCr	-48TCr	-61TCr	-73TCr
Comprehensive Income and Other	-29TCr	23TCr	84TCr	2,22100Cr	2,56100Cr
Total Common Equity	15,66100Cr	15,60500Cr	15,76300Cr	17,64600Cr	18,28500Cr
Minority Interest	58TCr	69TCr	70TCr	83TCr	96TCr
Total Equity	16,24500Cr	16,29700Cr	16,46600Cr	18,47700Cr	19,25000Cr
Total Liabilities And Equity	3,53,82500Cr	3,67,65000Cr	3,81,73600Cr	3,97,43600Cr	4,05,94000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.28TCr	1.26TCr	1.2TCr	1.17TCr	1.15TCr
ECS Total Common Shares Outstanding	-	-	1.2TCr	1.17TCr	1.15TCr
Book Value / Share	1.22T	1.24T	1.31T	1.5T	1.59T
Tangible Book Value	14,11600Cr	14,15300Cr	14,29200Cr	15,85600Cr	16,32500Cr
Tangible Book Value Per Share	1.1T	1.12T	1.19T	1.35T	1.42T
Average Assets	3,55,99300Cr	3,70,58800Cr	3,96,15200Cr	4,02,89500Cr	4,15,94100Cr
Average Loans	1,36,30500Cr	1,14,93900Cr	1,26,76500Cr	1,26,39100Cr	1,32,29500Cr
Total Debt	93,23400Cr	1,00,05400Cr	1,12,37000Cr	1,14,34900Cr	1,20,27300Cr
Deposits at Interest - Cash	-	-	-	1,05,63200Cr	1,04,70700Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1,12800Cr	-1,28500Cr	-1,24800Cr	-1,88400Cr	-2,09400Cr
Net Debt	-63,77000Cr	-57,58500Cr	-52,12800Cr	-58,55100Cr	-60,68500Cr
Equity Method Investments, Total	2,56000Cr	3,06700Cr	3,48200Cr	4,11300Cr	4,56400Cr
Full Time Employees	1L	1L	1L	1L	2L
Part Time Employees	30.8T	28.4T	27.9T	27.5T	27.6T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	1,11700Cr	-8.33TCr	60TCr	1,32800Cr	1,26700Cr
Depreciation, Depletion & Amortization	8.73TCr	8.27TCr	7.38TCr	7.96TCr	8.83TCr
Amortization of Goodwill and Intangible Assets - (CF)	25TCr	26TCr	27TCr	29TCr	30TCr
Total Depreciation, Depletion & Amortization	34TCr	34TCr	35TCr	37TCr	38TCr
(Gain) Loss On Sale of Asset - (CF)	-	13TCr	-69TCr	-	-
(Gain) Loss on Sale of Investments - (CF)	-1,39400Cr	14TCr	27TCr	-1,40700Cr	72TCr
Total Asset Writedown	17TCr	3.33TCr	3.87TCr	1.5TCr	16TCr
Provision for Credit Losses	48TCr	28TCr	29TCr	24TCr	12TCr
(Income) Loss On Equity Investments - (CF)	-36TCr	-44TCr	-40TCr	-46TCr	-67TCr
Change in Trading Asset Securities	1,35200Cr	4,14400Cr	-18TCr	-3,04600Cr	-5,75200Cr
Changes in Accrued Interest Receivable	-	-	-	-	-
Changes in Accrued Interest Payable	-	-	-	-	-
Change in Unearned Revenues	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-1,89700Cr	-3,05800Cr	1,81800Cr	1,78900Cr	5,71200Cr
Other Operating Activities	-5.82TCr	-58TCr	1.65TCr	-31TCr	-92TCr
Cash from Operations	-25TCr	91TCr	2,10600Cr	-1,49000Cr	1,02900Cr
Capital Expenditure	-12TCr	-10TCr	-12TCr	-11TCr	-13TCr
Sale of Property, Plant, and Equipment	4.15TCr	7.61TCr	3.22TCr	5.77TCr	4.7TCr
Cash Acquisitions	-	-	-	-18TCr	-15TCr
Divestitures	7.16TCr	-68TCr	-1,71000Cr	16TCr	13TCr
Purchase / Sale of Intangible Assets	-25TCr	-26TCr	-27TCr	-32TCr	-31TCr
Investment in Marketable and Equity Securities, Total	-8,84800Cr	5.72TCr	-7,31700Cr	4,41600Cr	34TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	12,77300Cr	1,17000Cr	-2,79500Cr	-5,35600Cr	-3,27200Cr
Other Investing Activities, Total	-1.48TCr	-1.66TCr	-3.49TCr	6.02TCr	660.8Cr
Cash from Investing	3,65700Cr	24TCr	-12,21400Cr	-1,26900Cr	-3,33700Cr
Short Term Debt Issued, Total	-	5,53300Cr	11,65600Cr	80TCr	19,17600Cr
Long-Term Debt Issued, Total	18,70700Cr	4,65900Cr	7,53000Cr	3,18800Cr	3,83000Cr
Total Debt Issued	18,70700Cr	10,19200Cr	19,18600Cr	3,99300Cr	23,00500Cr
Short Term Debt Repaid, Total	-9,46200Cr	-	-8,45600Cr	-6,04000Cr	-
Long-Term Debt Repaid, Total	-11,36000Cr	-5,46600Cr	-4,16900Cr	-3,96300Cr	-22,91100Cr
Total Debt Repaid	-20,82300Cr	-5,46600Cr	-12,62500Cr	-10,00200Cr	-22,91100Cr
Issuance of Common Stock	90Cr	268.8Cr	121.2Cr	332.7Cr	1.1TCr
Repurchase of Common Stock	-2Cr	-16TCr	-45TCr	-40TCr	-42TCr
Common Dividends Paid	-32TCr	-33TCr	-38TCr	-44TCr	-53TCr
Common & Preferred Stock Dividends Paid	-32TCr	-33TCr	-38TCr	-44TCr	-53TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	23,42800Cr	1,56000Cr	6,20700Cr	3,65900Cr	2,22700Cr
Other Financing Activities, Total	-2.91TCr	-41TCr	3.63TCr	-6.5TCr	2.28TCr
Cash from Financing	20,96400Cr	5,38500Cr	11,97600Cr	-3,25000Cr	1,40600Cr
Foreign Exchange Rate Adjustments	40TCr	1,25200Cr	1,06400Cr	1,99400Cr	8.14TCr
Net Change in Cash	24,77300Cr	7,78300Cr	2,93300Cr	-4,01500Cr	-82TCr
Supplemental Items
Cash Interest Paid	88TCr	60TCr	1,94200Cr	4,36400Cr	5,19000Cr
Cash Income Tax Paid (Refund)	12TCr	22TCr	45TCr	52TCr	33TCr
Net Debt Issued / Repaid	-2,11600Cr	4,72600Cr	6,56200Cr	-6,00900Cr	9.48TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.34	-0.01	0.17	0.35	0.32
Return On Equity %	7.27	-0.27	3.85	7.9	6.71
Return on Common Equity	7.28	-0.53	3.82	7.95	7.05
Shareholders Value Added	-46TCr	-1,69800Cr	-1,00800Cr	-39TCr	-59TCr
Margin Analysis
SG&A Margin	39.78	64.36	47.24	38.54	38.14
Net Interest Income / Total Revenues %	42.84	66.73	56.74	49.66	55.77
EBT Excl. Non-Recurring Items Margin %	38.62	-0.64	17.02	36.89	36.09
Income From Continuing Operations Margin %	24.87	-1.5	14.97	26.44	22.89
Net Income Margin %	23.89	-2.82	14.25	25.43	22.88
Net Avail. For Common Margin %	23.89	-2.82	14.25	25.43	22.88
Normalized Net Income Margin	23.15	-1.72	9.91	22.04	22.55
Asset quality
Nonperforming Loans / Total Loans %	1.67	1.28	1.06	1.04	0.75
Nonperforming Loans / Total Assets %	0.55	0.4	0.34	0.34	0.25
Nonperforming Assets / Total Assets %	0.55	0.4	0.34	0.34	0.25
NPAs / Loans and OREO	1.67	1.28	1.06	1.04	0.75
NPAs / Equity	12.03	8.98	7.83	7.28	5.18
Allowance for Credit Losses / Net Charge-offs %	549.41	820.26	490.32	628.71	466.87
Allowance for Credit Losses / Nonperforming Loans %	69.01	100.54	98.76	101.55	124.69
Allowance for Credit Losses / Total Loans %	1.15	1.29	1.05	1.06	0.94
Net Charge-offs / Total Average Loans %	0.18	0.16	0.2	0.17	0.2
Provision for Loan Losses / Net Charge-offs %	197.3	155.05	3.14	109.52	45.74
Earning Assets / IBL	101.13	98.72	98.69	97.68	113.8
Interest Income / Average Assets	0.77	0.68	1.16	1.76	1.99
Interest Expense / Average Assets	0.21	0.15	0.56	1.12	1.24
Net Interest Income / Average Assets	0.56	0.53	0.6	0.64	0.74
Non Interest Income / Average Assets	0.89	0.34	0.46	0.71	0.62
Non Interest Expense / Average Asset	0.81	0.8	0.88	0.82	0.85
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.47	4.33	4.19	4.29	4.47
Total Average Equity / Total Average Assets %	4.67	4.51	4.37	4.48	4.7
Total Equity + Allowance for Loan Losses / Total Loans %	14.55	14.94	14.06	14.72	14.72
Gross Loans / Total Deposits %	51.02	50.88	51.51	52.43	53.19
Net Loans / Total Deposits %	50.29	50.08	50.8	51.68	52.52
Tier 1 Capital Ratio %	13.96	12.38	12.04	15.72	16.65
Total Capital Ratio %	16.31	14.29	13.91	17.82	18.83
Core Tier 1 Capital Ratio	12.33	11.06	10.76	13.53	14.18
Tier 2 Capital Ratio	2.35	1.91	1.87	2.1	2.19
Coverage Ratio	-	-	-	-	-
Interbank Ratio	341.27	242.21	161.47	306.63	259.45
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.84	0.83	1.62	1.94	1.77
EBT + Interest Expense / Interest Expense	3.15	0.9	1.3	1.42	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-10.64	-1.67	21.25	8.56	17.65
Non Interest Income, 1 Yr. Growth %	68.35	-60.08	45.13	76.9	-10.6
Provision For Loan Losses, 1 Yr. Growth %	50.51	-42.59	-97.07	2.82T	-52.94
Total Revenues, 1 Yr. Growth %	23.2	-36.87	42.58	30.51	5.64
Earnings From Cont. Operations, 1 Yr. Growth %	265.03	-103.8	-1.53T	239.28	-7.98
Net Income, 1 Yr. Growth %	265.18	-107.46	-820	252.63	-4.45
Normalized Net Income, 1 Yr. Growth %	107.35	-104.74	-1.2T	300.91	8.56
Diluted EPS Before Extra, 1 Yr. Growth %	268.78	-108.01	-798.32	265.39	-2.01
Dividend Per Share, 1 Yr. Growth %	0	12	14.29	28.12	56.1
Gross Loans, 1 Yr. Growth %	-2.04	-2.27	6.05	6.6	2.71
Allowance For Loan Losses, 1 Yr. Growth %	66.56	9.07	-13.45	7.33	-8.39
Net Loans, 1 Yr. Growth %	-2.48	-2.42	6.26	6.55	2.88
Non Performing Loans, 1 Yr. Growth %	31.76	3	-11.89	4.38	-24.64
Non Performing Assets, 1 Yr. Growth %	31.76	3	-11.89	4.38	-24.64
Total Assets, 1 Yr. Growth %	6.65	3.91	3.83	4.11	2.04
Total Deposits, 1 Yr Growth %	12.38	-2.01	4.76	4.74	0.92
Tangible Book Value, 1 Yr. Growth %	6.23	0.26	0.99	10.94	2.77
Average Interest Earning Assets, 1 Yr. Growth %	9.19	2.7	5.37	0.84	20.12
Average Interest Bearing Liabilities, 1 Yr. Growth %	11.33	5.21	5.4	1.88	3.04
Common Equity, 1 Yr. Growth %	4.29	-0.36	1.01	11.94	3.45
Total Equity, 1 Yr. Growth %	3.18	0.32	1.04	12.21	3.96
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.56	-6.26	9.19	14.73	13.37
Non Interest Income, 2 Yr. CAGR %	40.69	-18.02	-23.88	50.82	25.25
Provision For Loan Losses, 2 Yr. CAGR %	275.56	-7.04	-87.03	-7.47	308.88
Total Revenues, 2 Yr. CAGR %	10.14	-11.81	-5.12	32.99	17.16
Earnings From Cont. Operations, 2 Yr. CAGR %	25.59	-62.75	-26.39	458.87	74.87
Net Income, 2 Yr. CAGR %	24.69	-47.82	-26.72	299.25	82.16
Normalized Net Income, 2 Yr. CAGR %	31.65	-68.53	-37.61	375.83	109.96
Diluted EPS Before Extra, 2 Yr. CAGR %	25.75	-45.67	-25.23	299.48	87.77
Dividend Per Share, 2 Yr. CAGR %	6.6	5.83	13.14	21.01	41.42
Gross Loans, 2 Yr. CAGR %	-0.46	-2.15	1.81	6.33	4.63
Allowance For Loan Losses, 2 Yr. CAGR %	43.13	34.79	-2.84	-3.62	-1.18
Net Loans, 2 Yr. CAGR %	-0.76	-2.45	1.82	6.4	4.69
Non Performing Loans, 2 Yr. CAGR %	19.77	-0.68	-4.73	-4.1	-12.05
Non Performing Assets, 2 Yr. CAGR %	19.77	-0.68	-4.73	-4.1	-12.05
Total Assets, 2 Yr. CAGR %	7.67	5.27	3.87	3.97	3.12
Total Deposits, 2 Yr CAGR %	7.25	4.94	1.32	4.75	2.96
Tangible Book Value, 2 Yr. CAGR %	0.94	3.2	0.62	5.85	6.87
Average Interest Earning Assets, 2 Yr. CAGR %	5.54	5.9	4.03	3.08	10.03
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.45	8.22	5.31	3.63	2.49
Common Equity, 2 Yr. CAGR %	1.51	1.94	0.33	6.34	7.7
Total Equity, 2 Yr. CAGR %	0.81	1.74	0.68	6.48	8.12
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.5	-4.96	2.13	8.98	16.15
Non Interest Income, 3 Yr. CAGR %	17.73	-7.55	-0.83	-3.16	26.81
Provision For Loan Losses, 3 Yr. CAGR %	26.21	100.81	-70.63	-21.08	-24.05
Total Revenues, 3 Yr. CAGR %	2.01	-8.51	3.51	3.75	23.31
Earnings From Cont. Operations, 3 Yr. CAGR %	-2.47	-60.86	25.52	5.88	206.06
Net Income, 3 Yr. CAGR %	-3.1	-51.24	25.16	5.93	147.74
Normalized Net Income, 3 Yr. CAGR %	0.79	-56.66	-6.67	2.39	190.63
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.05	-49.79	27.27	8.51	149.93
Dividend Per Share, 3 Yr. CAGR %	9.58	8.37	8.58	17.93	31.73
Gross Loans, 3 Yr. CAGR %	-0.3	-1.07	0.51	3.38	5.1
Allowance For Loan Losses, 3 Yr. CAGR %	20.84	30.74	16.28	0.44	-5.45
Net Loans, 3 Yr. CAGR %	-0.48	-1.32	0.37	3.37	5.21
Non Performing Loans, 3 Yr. CAGR %	9.99	2.41	-4.56	-1.79	-12
Non Performing Assets, 3 Yr. CAGR %	9.99	2.41	-4.56	-1.79	-12
Total Assets, 3 Yr. CAGR %	5.59	6.4	4.79	3.95	3.36
Total Deposits, 3 Yr CAGR %	5.41	4.07	4.88	2.44	3.56
Tangible Book Value, 3 Yr. CAGR %	1.44	0.71	2.46	3.95	4.87
Average Interest Earning Assets, 3 Yr. CAGR %	4	4.59	5.72	2.95	8.52
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.37	6.04	7.28	4.15	3.5
Common Equity, 3 Yr. CAGR %	1.52	0.88	1.63	4.06	5.43
Total Equity, 3 Yr. CAGR %	1.26	0.65	1.51	4.39	5.71
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.39	-2.37	1.39	2.48	6.61
Non Interest Income, 5 Yr. CAGR %	5.57	1.09	-1.12	12.44	6.51
Provision For Loan Losses, 5 Yr. CAGR %	15.87	1.85	-49.2	47.29	-17.66
Total Revenues, 5 Yr. CAGR %	1.06	-1.35	-0.9	6.26	7.84
Earnings From Cont. Operations, 5 Yr. CAGR %	7.96	-24.32	-12.85	13.36	31.8
Net Income, 5 Yr. CAGR %	6.85	-16.29	-13.35	13.07	32.87
Normalized Net Income, 5 Yr. CAGR %	1.15	-24.83	-16.96	13	19.44
Diluted EPS Before Extra, 5 Yr. CAGR %	8.52	-13.95	-12.08	15.1	35.74
Dividend Per Share, 5 Yr. CAGR %	6.79	9.24	10.99	13.26	20.68
Gross Loans, 5 Yr. CAGR %	-1.12	-0.81	0.54	1.83	2.14
Allowance For Loan Losses, 5 Yr. CAGR %	3.95	4.46	10.75	15.73	8.96
Net Loans, 5 Yr. CAGR %	-1.17	-0.88	0.44	1.7	2.08
Non Performing Loans, 5 Yr. CAGR %	0.84	-4.78	-2.57	-0.25	-7.63
Non Performing Assets, 5 Yr. CAGR %	0.84	-4.78	-2.57	-0.25	-7.63
Total Assets, 5 Yr. CAGR %	3.88	4.35	4.9	5.42	4.12
Total Deposits, 5 Yr CAGR %	4.79	3.36	3.76	4.34	4.11
Tangible Book Value, 5 Yr. CAGR %	1.98	2.49	1.11	2.73	4.2
Average Interest Earning Assets, 5 Yr. CAGR %	1.25	2.92	4.01	3.98	7.47
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.76	4.59	4.75	5.07	5.37
Common Equity, 5 Yr. CAGR %	1.88	2.22	1.04	3.03	4.02
Total Equity, 5 Yr. CAGR %	1.81	1.99	1.03	2.94	4.1