Income Statement National Bank of Pakistan

Stocks

NBP

PK0078001010

Banks

End-of-day quote Pakistan S.E. Other stock markets 11/06/2026			5-day change	1st Jan Change
184.30 ^PKR	+0.37%		-0.46%	-23.90%

29/04	National Bank of Pakistan Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
06/04	National Bank of Pakistan Announces Board Appointments	CI

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Published financial data: NATIONAL BANK OF PAKISTAN

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	23TCr	50TCr	1,02500Cr	1,09000Cr	78TCr
Interest Income On Investments	451.56Cr	507.01Cr	520.46Cr	589.83Cr	528.85Cr
Interest Income, Total	24TCr	51TCr	1,03000Cr	1,09600Cr	79TCr
Interest On Deposits	13TCr	39TCr	86TCr	92TCr	53TCr
Interest Expense, Total	13TCr	39TCr	86TCr	92TCr	53TCr
Net Interest Income	10TCr	12TCr	17TCr	18TCr	25TCr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	7.17Cr	8.4Cr	23Cr	1.56Cr	20Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	620.25Cr	112.32Cr	442.12Cr	2.75TCr	1.22TCr
Total Other Non Interest Income	2.78TCr	3.25TCr	3.34TCr	3.58TCr	5.15TCr
Non Interest Income, Total	3.41TCr	3.38TCr	3.81TCr	6.33TCr	6.39TCr
Revenues Before Provison For Loan Losses	14TCr	16TCr	21TCr	24TCr	32TCr
Provision For Loan Losses	1.17TCr	1.31TCr	1.54TCr	450.32Cr	919.58Cr
Total Revenues	12TCr	14TCr	20TCr	24TCr	31TCr
Stock-Based Compensation (IS)	-	-	-	36Cr	-
Selling General & Admin Expenses, Total	208.6Cr	316.17Cr	254.81Cr	478.13Cr	870.37Cr
(Income) Loss on Equity Invest.	-24Cr	-45Cr	-147.13Cr	-108.35Cr	-48Cr
Total Other Non Interest Expense	5.93TCr	7.65TCr	9.29TCr	18TCr	12TCr
Non Interest Expense, Total	6.12TCr	7.92TCr	9.4TCr	18TCr	13TCr
EBT, Excl. Unusual Items	6.36TCr	6.36TCr	10TCr	5.71TCr	18TCr
Asset Writedown	1.24Cr	16.9L	-	-	-
Insurance Settlements	43.55L	-	-	-	-6.85Cr
Other Unusual Items	-977.88Cr	-	-	-	-
EBT, Incl. Unusual Items	5.38TCr	6.36TCr	10TCr	5.71TCr	18TCr
Income Tax Expense	2.5TCr	3.26TCr	5TCr	3.06TCr	9.39TCr
Earnings From Continuing Operations	2.88TCr	3.09TCr	5.33TCr	2.65TCr	8.59TCr
Net Income to Company	2.88TCr	3.09TCr	5.33TCr	2.65TCr	8.59TCr
Minority Interest	-16Cr	-11Cr	-22Cr	-52Cr	-85Cr
Net Income - (IS)	2.86TCr	3.08TCr	5.31TCr	2.6TCr	8.5TCr
Net Income to Common Incl Extra Items	2.86TCr	3.08TCr	5.31TCr	2.6TCr	8.5TCr
Net Income to Common Excl. Extra Items	2.86TCr	3.08TCr	5.31TCr	2.6TCr	8.5TCr
Per Share Items
Net EPS - Basic	13.44	14.49	24.96	12.21	39.97
Basic EPS - Continuing Operations	13.44	14.49	24.96	12.21	39.97
Basic Weighted Average Shares Outstanding	212.75Cr	212.75Cr	212.75Cr	212.75Cr	212.75Cr
Net EPS - Diluted	13.44	14.49	24.96	12.21	39.97
Diluted EPS - Continuing Operations	13.44	14.49	24.96	12.21	39.97
Diluted Weighted Average Shares Outstanding	212.75Cr	212.75Cr	212.75Cr	212.75Cr	212.75Cr
Normalized Basic EPS	18.6	18.63	30.24	16.54	52.44
Normalized Diluted EPS	18.6	18.63	30.24	16.54	52.44
Dividend Per Share	1	-	-	8	35
Payout Ratio	0.01	0	0.01	-	20.67
Supplemental Items
Effective Tax Rate - (Ratio)	46.53	51.34	48.38	53.6	52.23
Current Domestic Taxes	2.71TCr	3.19TCr	5.39TCr	-	-
Current Foreign Taxes	-	-	-	-	-
Total Current Taxes	2.71TCr	3.19TCr	5.39TCr	3.16TCr	10TCr
Total Deferred Taxes	-207.77Cr	-312.6Cr	242.12Cr	-96Cr	-1.03TCr
Normalized Net Income	3.96TCr	3.96TCr	6.43TCr	3.52TCr	11TCr
Non-Cash Pension Expense	298.91Cr	266.47Cr	531.34Cr	7.2TCr	745.41Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	-	-	36Cr	-
Total Stock-Based Compensation	-	-	-	36Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	28TCr	22TCr	27TCr	19TCr	18TCr
Investment Securities, Total	2,10300Cr	3,42800Cr	4,56000Cr	4,51900Cr	4,85900Cr
Trading Asset Securities, Total	12TCr	8.6TCr	4.68TCr	9.63TCr	8.16TCr
Total investments	2,22800Cr	3,51400Cr	4,60700Cr	4,61500Cr	4,94100Cr
Gross Loans	1,33600Cr	1,43900Cr	1,60200Cr	1,67400Cr	1,61700Cr
Allowance For Loan Losses	-19TCr	-21TCr	-20TCr	-27TCr	-28TCr
Other Adjustments to Gross Loans	-2.44Cr	-2.43Cr	-2.43Cr	-2.41Cr	-
Net Loans	1,14300Cr	1,23100Cr	1,39800Cr	1,40500Cr	1,34000Cr
Gross Property Plant And Equipment	8.29TCr	8.8TCr	9.05TCr	9.71TCr	11TCr
Accumulated Depreciation	-2.1TCr	-2.32TCr	-2.57TCr	-2.83TCr	-3.23TCr
Net Property Plant And Equipment	6.19TCr	6.48TCr	6.48TCr	6.88TCr	7.42TCr
Goodwill	56Cr	56Cr	56Cr	56Cr	56Cr
Other Intangibles, Total	61Cr	153.88Cr	162.37Cr	201.44Cr	256.37Cr
Accrued Interest Receivable	4.45TCr	10TCr	19TCr	16TCr	18TCr
Other Receivables	2.08TCr	2.3TCr	4.86TCr	2.34TCr	2.65TCr
Restricted Cash	3.58TCr	3.13TCr	6.49TCr	21TCr	26TCr
Other Current Assets, Total	2.89TCr	3.4TCr	1.15TCr	5.17TCr	5.82TCr
Deferred Tax Assets Long-Term (Collected)	190.28Cr	2.24TCr	-	-	-
Other Real Estate Owned And Foreclosed	405.95Cr	369.99Cr	397.31Cr	414.81Cr	439.01Cr
Other Long-Term Assets, Total	355.04Cr	371.04Cr	426.65Cr	2.08TCr	1.56TCr
Total Assets	3,85700Cr	5,25200Cr	6,66900Cr	6,75400Cr	7,07800Cr
Liabilities
Accrued Expenses, Total	3.34TCr	2.51TCr	2.63TCr	2.81TCr	2.98TCr
Interest Bearing Deposits	1,95000Cr	2,08800Cr	2,39600Cr	2,84700Cr	3,55400Cr
Non-Interest Bearing Deposits	1,06900Cr	58TCr	1,27800Cr	1,01900Cr	87TCr
Total Deposits	3,01800Cr	2,66500Cr	3,67300Cr	3,86500Cr	4,42800Cr
Short-Term Borrowings	17TCr	1,89000Cr	2,14000Cr	1,90400Cr	1,66400Cr
Current Portion of Long-Term Debt	10TCr	701.21Cr	295.33Cr	39Cr	449.97Cr
Current Portion of Leases	172.51Cr	177.96Cr	189.49Cr	172.01Cr	178.63Cr
Long-Term Debt	3.86TCr	4.32TCr	4.17TCr	3.42TCr	2.49TCr
Long-Term Leases	676.93Cr	710.29Cr	699.61Cr	686.56Cr	709.72Cr
Current Income Taxes Payable	-	-	-	1.43TCr	1.39TCr
Accrued Interest Payable	4.92TCr	13TCr	20TCr	20TCr	14TCr
Deferred Tax Liability Current	-	-	12Cr	-	-
Other Current Liabilities - (Bank / Utility Template)	6.95TCr	9.08TCr	8.28TCr	3.77TCr	3.44TCr
Unearned Revenue Non Current	44Cr	27Cr	12Cr	32Cr	103.61Cr
Pension & Other Post Retirement Benefits	4.58TCr	5.63TCr	6.28TCr	12TCr	13TCr
Deferred Tax Liability Non-Current	-	-	72Cr	4.1TCr	3.63TCr
Other Non Current Liabilities	2.38TCr	2.73TCr	3.49TCr	3.53TCr	2.99TCr
Total Liabilities	3,56200Cr	4,94100Cr	6,27100Cr	6,29000Cr	6,54000Cr
Common Stock, Total	2.13TCr	2.13TCr	2.13TCr	2.13TCr	2.13TCr
Retained Earnings	19TCr	22TCr	27TCr	29TCr	37TCr
Comprehensive Income and Other	7.99TCr	6.72TCr	10TCr	15TCr	15TCr
Total Common Equity	29TCr	31TCr	40TCr	46TCr	54TCr
Minority Interest	101.35Cr	107.31Cr	113.42Cr	139.88Cr	168.87Cr
Total Equity	30TCr	31TCr	40TCr	46TCr	54TCr
Total Liabilities And Equity	3,85700Cr	5,25200Cr	6,66900Cr	6,75400Cr	7,07800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	212.75Cr	212.75Cr	212.75Cr	212.75Cr	212.75Cr
ECS Total Common Shares Outstanding	212.75Cr	212.75Cr	212.75Cr	212.75Cr	212.75Cr
Book Value / Share	138.19	145.35	186.26	217.46	252.05
Tangible Book Value	29TCr	31TCr	39TCr	46TCr	53TCr
Tangible Book Value Per Share	137.64	144.36	185.24	216.25	250.58
Total Debt	32TCr	1,94900Cr	2,19300Cr	1,94700Cr	1,70200Cr
Deposits at Interest - Cash	1.14TCr	171.5Cr	2TCr	6.67TCr	7.96TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	3.27TCr	3.73TCr	3.88TCr	9.26TCr	9.38TCr
Net Debt	-37TCr	1,61400Cr	1,68100Cr	1,66100Cr	1,42200Cr
Equity Method Investments, Total	773.79Cr	782.66Cr	1.31TCr	132.97Cr	181.21Cr
Full Time Employees	11T	10.02T	10.02T	9.55T	9.05T
Number Of Offices	1.53T	1.53T	1.53T	1.52T	1.52T
Assets under Capital Lease - Gross	46Cr	48Cr	49Cr	50Cr	63Cr
Assets under Capital Lease - Accumulated Depreciation	-29Cr	-30Cr	-27Cr	-23Cr	-31Cr
Assets on Operating Lease - Gross	21Cr	29Cr	29Cr	29Cr	29Cr
Assets on Operating Lease - Accumulated Depreciation	-17Cr	-25Cr	-25Cr	-25Cr	-25Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	2.86TCr	3.08TCr	5.31TCr	2.6TCr	8.5TCr
Depreciation, Depletion & Amortization	472.18Cr	478.93Cr	477.08Cr	500.66Cr	796.5Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	472.18Cr	478.93Cr	477.08Cr	500.66Cr	796.5Cr
Amortization of Deferred Charges, Total	43Cr	37Cr	32Cr	55Cr	75Cr
(Gain) Loss On Sale of Asset - (CF)	-7.17Cr	-8.4Cr	-22Cr	-50.22L	14Cr
(Gain) Loss on Sale of Investments - (CF)	65Cr	499.98Cr	146.35Cr	-1.19TCr	-912.97Cr
Total Asset Writedown	13Cr	56Cr	24Cr	-56Cr	62Cr
Provision for Credit Losses	1.1TCr	801.18Cr	1.33TCr	612.66Cr	1.28TCr
(Income) Loss On Equity Investments - (CF)	-24Cr	-45Cr	-147.13Cr	-108.35Cr	-48Cr
Change in Trading Asset Securities	-2.35TCr	3.48TCr	4.02TCr	-1.14TCr	4.08TCr
Change in Other Net Operating Assets (Collected)	-15TCr	1,83100Cr	-13TCr	-16TCr	-22TCr
Other Operating Activities	271Cr	-19Cr	-73Cr	8.92TCr	-10TCr
Cash from Operations	-13TCr	1,91500Cr	-1.8TCr	-6.15TCr	-19TCr
Capital Expenditure	-231.61Cr	-275.64Cr	-317.98Cr	-865.3Cr	-1.1TCr
Sale of Property, Plant, and Equipment	14Cr	9.86Cr	46Cr	40Cr	28Cr
Divestitures	-	11Cr	-	-	-
Investment in Marketable and Equity Securities, Total	-46TCr	-1,62100Cr	-93TCr	-4.63TCr	-30TCr
Other Investing Activities, Total	655.07Cr	1.51TCr	1.83TCr	911.26Cr	387.04Cr
Cash from Investing	-46TCr	-1,60900Cr	-91TCr	-4.55TCr	-30TCr
Long-Term Debt Repaid, Total	-275.32Cr	-268.01Cr	-356.65Cr	-331.08Cr	-449.08Cr
Total Debt Repaid	-275.32Cr	-268.01Cr	-356.65Cr	-331.08Cr	-449.08Cr
Common Dividends Paid	-35.19L	-1L	-71.42L	-	-1.76TCr
Common & Preferred Stock Dividends Paid	-35.19L	-1L	-71.42L	-	-1.76TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	60TCr	-35TCr	1,00800Cr	19TCr	56TCr
Other Financing Activities, Total	-	-	-	-25Cr	-
Cash from Financing	60TCr	-36TCr	1,00400Cr	19TCr	54TCr
Foreign Exchange Rate Adjustments	-	-	126.16Cr	1.4TCr	300.01Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	1.43Cr
Net Change in Cash	931.05Cr	-4.9TCr	7.69TCr	9.55TCr	5.41TCr
Supplemental Items
Cash Interest Paid	85Cr	-	-	91TCr	60TCr
Cash Income Tax Paid (Refund)	2.24TCr	3.38TCr	5.53TCr	2.76TCr	11TCr
Net Debt Issued / Repaid	-275.32Cr	-268.01Cr	-356.65Cr	-331.08Cr	-449.08Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.84	0.68	0.89	0.39	1.24
Return On Equity %	10.1	10.23	15.07	6.15	17.14
Return on Common Equity	10.08	10.22	15.05	6.05	17.03
Shareholders Value Added	-544.93Cr	-535.96Cr	1.08TCr	-2.56TCr	2.51TCr
Margin Analysis
SG&A Margin	0.3	0.66	0.59	0.75	1.4
Net Interest Income / Total Revenues %	82.01	85.55	88.49	75.09	82.27
EBT Excl. Non-Recurring Items Margin %	50.96	44.53	52.36	24.19	58.27
Income From Continuing Operations Margin %	23.06	21.67	27.03	11.22	27.82
Net Income Margin %	22.93	21.59	26.92	11	27.55
Net Avail. For Common Margin %	22.93	21.59	26.92	11	27.55
Normalized Net Income Margin	31.72	27.75	32.62	14.9	36.15
Asset quality
Nonperforming Loans / Total Loans %	14.85	14.29	13.8	16.1	13.79
Nonperforming Loans / Total Assets %	5.14	3.92	3.32	3.99	3.15
Nonperforming Assets / Total Assets %	5.25	3.99	3.38	4.05	3.21
NPAs / Loans and OREO	15.11	14.51	14.01	16.31	14.02
NPAs / Equity	68.61	67.49	56.64	58.96	42.27
Allowance for Credit Losses / Nonperforming Loans %	96.95	101.37	92.24	99.56	124.27
Allowance for Credit Losses / Total Loans %	14.4	14.49	12.73	16.03	17.14
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.26	6.62	5.92	6.4	7.22
Total Average Equity / Total Average Assets %	8.28	6.65	5.94	6.42	7.24
Total Equity + Allowance for Loan Losses / Total Loans %	36.41	35.98	37.46	43.67	50.29
Gross Loans / Total Deposits %	44.25	54	43.63	43.3	36.52
Net Loans / Total Deposits %	37.88	46.17	38.07	36.36	30.27
Tier 1 Capital Ratio %	15.68	16.56	19.39	20.68	19.94
Total Capital Ratio %	20.76	22.02	25.8	28.05	26.51
Core Tier 1 Capital Ratio	15.68	16.56	19.39	20.68	19.94
Tier 2 Capital Ratio	5.08	5.46	6.41	7.37	6.57
Coverage Ratio	-	-	-	99.56	124.27
Interbank Ratio	54.83	2.71	9.16	4.26	3.78
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.4	1.16	1.12	1.06	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.7	19.44	42.88	1.59	43.18
Non Interest Income, 1 Yr. Growth %	-4.5	-1.01	12.87	66.27	0.93
Provision For Loan Losses, 1 Yr. Growth %	-62.28	12.5	17.27	-70.72	104.2
Total Revenues, 1 Yr. Growth %	12.36	14.5	38.14	19.72	30.68
Earnings From Cont. Operations, 1 Yr. Growth %	-5.97	7.61	72.29	-50.3	224.03
Net Income, 1 Yr. Growth %	-6.2	7.81	72.21	-51.07	227.23
Normalized Net Income, 1 Yr. Growth %	36.92	0.18	62.35	-45.32	217.09
Diluted EPS Before Extra, 1 Yr. Growth %	-6.21	7.81	72.25	-51.08	227.34
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	337.5
Gross Loans, 1 Yr. Growth %	15.03	7.76	11.34	2.52	-3.38
Allowance For Loan Losses, 1 Yr. Growth %	8.5	8.44	-2.19	14.63	3.3
Net Loans, 1 Yr. Growth %	16.21	7.64	13.63	0.5	-4.65
Non Performing Loans, 1 Yr. Growth %	15.44	3.72	7.48	21.85	-17.23
Non Performing Assets, 1 Yr. Growth %	15.15	3.47	7.48	21.54	-16.88
Total Assets, 1 Yr. Growth %	27.83	36.16	26.98	1.28	4.8
Total Deposits, 1 Yr Growth %	24.77	-11.69	37.81	5.23	14.55
Tangible Book Value, 1 Yr. Growth %	7.48	4.96	28.32	16.74	15.88
Common Equity, 1 Yr. Growth %	7.5	5.18	28.15	16.75	15.91
Total Equity, 1 Yr. Growth %	7.51	5.18	28.07	16.77	15.92
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.58	7.25	30.64	20.48	20.61
Non Interest Income, 2 Yr. CAGR %	-0.9	-2.77	5.7	36.99	29.54
Provision For Loan Losses, 2 Yr. CAGR %	-7.26	-34.86	14.86	-41.41	-22.68
Total Revenues, 2 Yr. CAGR %	13.73	13.42	25.77	28.6	25.08
Earnings From Cont. Operations, 2 Yr. CAGR %	31.44	0.59	36.16	-7.46	26.91
Net Income, 2 Yr. CAGR %	31.33	0.56	36.26	-8.2	26.54
Normalized Net Income, 2 Yr. CAGR %	48.06	17.12	27.53	-5.78	31.68
Diluted EPS Before Extra, 2 Yr. CAGR %	31.35	0.56	36.28	-8.2	26.54
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Gross Loans, 2 Yr. CAGR %	7.57	11.33	9.53	7.84	-0.47
Allowance For Loan Losses, 2 Yr. CAGR %	15.61	8.47	2.99	13.42	8.82
Net Loans, 2 Yr. CAGR %	6.37	11.84	10.6	6.86	-2.11
Non Performing Loans, 2 Yr. CAGR %	15.23	9.42	5.59	14.44	0.42
Non Performing Assets, 2 Yr. CAGR %	14.97	9.15	5.46	14.3	0.51
Total Assets, 2 Yr. CAGR %	10.97	31.93	31.49	13.4	3.02
Total Deposits, 2 Yr CAGR %	17.18	4.97	10.32	20.42	9.79
Tangible Book Value, 2 Yr. CAGR %	11.09	6.17	16.05	22.39	16.31
Common Equity, 2 Yr. CAGR %	11.06	6.33	16.1	22.32	16.33
Total Equity, 2 Yr. CAGR %	11.05	6.34	16.06	22.29	16.34
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	17.29	17.53	18.01	20.13	27.62
Non Interest Income, 3 Yr. CAGR %	-1.37	-0.94	2.19	22.93	23.73
Provision For Loan Losses, 3 Yr. CAGR %	1.33	-1.1	-20.76	-27.17	-11.16
Total Revenues, 3 Yr. CAGR %	12.44	13.99	21.13	23.72	29.29
Earnings From Cont. Operations, 3 Yr. CAGR %	12.81	22.96	20.35	-2.69	40.52
Net Income, 3 Yr. CAGR %	12.83	22.97	20.31	-3.15	40.23
Normalized Net Income, 3 Yr. CAGR %	28.71	29.98	30.59	-3.83	41.2
Diluted EPS Before Extra, 3 Yr. CAGR %	12.82	22.98	20.32	-3.15	40.24
Dividend Per Share, 3 Yr. CAGR %	-	-	-	100	-
Gross Loans, 3 Yr. CAGR %	7.94	7.63	11.34	7.81	3.96
Allowance For Loan Losses, 3 Yr. CAGR %	12.7	13.17	4.79	11.73	9.94
Net Loans, 3 Yr. CAGR %	7.21	6.79	12.44	7.12	2.88
Non Performing Loans, 3 Yr. CAGR %	13.81	11.26	8.77	10.75	2.72
Non Performing Assets, 3 Yr. CAGR %	13.58	11	8.59	10.57	2.78
Total Assets, 3 Yr. CAGR %	11.22	18.8	30.26	20.53	10.46
Total Deposits, 3 Yr CAGR %	14.49	6.64	14.94	8.6	18.43
Tangible Book Value, 3 Yr. CAGR %	11.83	8.98	13.09	16.28	20.18
Common Equity, 3 Yr. CAGR %	11.83	9.06	13.16	16.31	20.14
Total Equity, 3 Yr. CAGR %	11.81	9.06	13.14	16.3	20.13
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.93	16.01	22.46	18.7	19.04
Non Interest Income, 5 Yr. CAGR %	2.64	3.01	1.4	12.78	12.36
Provision For Loan Losses, 5 Yr. CAGR %	75.12	89.64	6.54	-19.78	-21.53
Total Revenues, 5 Yr. CAGR %	7.36	10.5	17.59	19.62	22.69
Earnings From Cont. Operations, 5 Yr. CAGR %	4.49	5.8	21.62	9.75	22.93
Net Income, 5 Yr. CAGR %	4.42	5.87	21.67	9.4	22.77
Normalized Net Income, 5 Yr. CAGR %	11.03	12.06	28.24	14.28	31.02
Diluted EPS Before Extra, 5 Yr. CAGR %	4.41	5.87	21.67	9.4	22.77
Dividend Per Share, 5 Yr. CAGR %	-33.17	-	-	-	-
Gross Loans, 5 Yr. CAGR %	11.03	10.89	8.57	7.71	6.85
Allowance For Loan Losses, 5 Yr. CAGR %	10.86	12.06	8.71	13.27	9.35
Net Loans, 5 Yr. CAGR %	11.06	10.7	8.55	6.82	6.37
Non Performing Loans, 5 Yr. CAGR %	10.47	11.03	10.45	12.52	5.35
Non Performing Assets, 5 Yr. CAGR %	10.37	10.74	10.26	12.31	5.28
Total Assets, 5 Yr. CAGR %	14.25	15.9	18.92	16.61	18.59
Total Deposits, 5 Yr CAGR %	12.74	9.07	12.8	11.95	12.85
Tangible Book Value, 5 Yr. CAGR %	10.48	11.56	13.49	14.16	14.37
Common Equity, 5 Yr. CAGR %	10.38	11.57	13.52	14.18	14.42
Total Equity, 5 Yr. CAGR %	10.37	11.55	13.49	14.17	14.41