Financial Ratios Nedbank Group Limited

Stocks

NED

ZAE000004875

Banks

End-of-day quote Johannesburg S.E. Other stock markets 17/06/2026			5-day change	1st Jan Change
272.90 ^ZAR	+1.83%		+7.05%	+2.49%

17/06	South African rand flat as below-forecast inflation cools rate hike expectations	RE
15/06	South African rand strengthens on US-Iran deal; inflation in focus	RE

9660799c4176259e39c7f88682e929ed.H9mfTs3ifbvnQ8yIbe8jswzBZMYkAs_0fRbeT1TaJgs.dZP4CoK1FPqkBpzOHYNR8EmZNbRWbracKUm4Awv3EH1VgOgaobo3-dd3nQ

Published financial data: NEDBANK GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	6.58TCr	8.21TCr	12TCr	13TCr	12TCr
Interest Income, Total	6.58TCr	8.21TCr	12TCr	13TCr	12TCr
Interest On Deposits	3.33TCr	4.58TCr	7.54TCr	8.32TCr	8.17TCr
Interest Expense, Total	3.33TCr	4.58TCr	7.54TCr	8.32TCr	8.17TCr
Net Interest Income	3.25TCr	3.63TCr	4.15TCr	4.18TCr	4.29TCr
Income From Trading Activities	447.5Cr	416.6Cr	429.9Cr	462Cr	509.9Cr
Income (Loss) on Real Estate Property	-	-	-	-	-
Gain (Loss) on Sale of Assets	-3Cr	32Cr	-5.9Cr	-1.3Cr	-1Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-2.7Cr	-860Cr
Income (Loss) on Equity Invest. (Income Block)	143.6Cr	169.4Cr	221.3Cr	200.6Cr	208.4Cr
Total Other Non Interest Income	1.99TCr	2.23TCr	2.26TCr	2.51TCr	2.5TCr
Non Interest Income, Total	2.58TCr	2.85TCr	2.91TCr	3.17TCr	2.36TCr
Revenues Before Provison For Loan Losses	5.83TCr	6.48TCr	7.06TCr	7.35TCr	6.65TCr
Provision For Loan Losses	653.4Cr	738.1Cr	960.5Cr	799.7Cr	655Cr
Total Revenues	5.17TCr	5.74TCr	6.1TCr	6.55TCr	5.99TCr
Stock-Based Compensation (IS)	61Cr	88Cr	202.8Cr	75Cr	78Cr
Selling General & Admin Expenses, Total	154.2Cr	173.5Cr	180.8Cr	192.3Cr	212.1Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	3.27TCr	3.5TCr	3.54TCr	3.95TCr	4.18TCr
Non Interest Expense, Total	3.48TCr	3.76TCr	3.92TCr	4.22TCr	4.47TCr
EBT, Excl. Unusual Items	1.69TCr	1.98TCr	2.18TCr	2.33TCr	1.53TCr
Impairment of Goodwill	-31Cr	-	-30Cr	-	-2.9Cr
Asset Writedown	-16Cr	-9.1Cr	-3.9Cr	-15Cr	-96Cr
Other Unusual Items	-	-	-	3.6Cr	-
EBT, Incl. Unusual Items	1.64TCr	1.97TCr	2.14TCr	2.32TCr	1.43TCr
Income Tax Expense	404.3Cr	432.6Cr	443.2Cr	474.6Cr	486.9Cr
Earnings From Continuing Operations	1.24TCr	1.54TCr	1.7TCr	1.85TCr	941.1Cr
Net Income to Company	1.24TCr	1.54TCr	1.7TCr	1.85TCr	941.1Cr
Minority Interest	-114.9Cr	-114.3Cr	-169.5Cr	-163.8Cr	-161.2Cr
Net Income - (IS)	1.12TCr	1.43TCr	1.53TCr	1.68TCr	779.9Cr
Net Income to Common Incl Extra Items	1.12TCr	1.43TCr	1.53TCr	1.68TCr	779.9Cr
Net Income to Common Excl. Extra Items	1.12TCr	1.43TCr	1.53TCr	1.68TCr	779.9Cr
Per Share Items
Net EPS - Basic	23.17	29.32	32.39	36.1	16.81
Basic EPS - Continuing Operations	23.17	29.32	32.39	36.1	16.81
Basic Weighted Average Shares Outstanding	49Cr	49Cr	47Cr	47Cr	46Cr
Net EPS - Diluted	22.71	28.51	31.28	35.17	16.45
Diluted EPS - Continuing Operations	22.71	28.51	31.28	35.17	16.45
Diluted Weighted Average Shares Outstanding	49Cr	50Cr	49Cr	48Cr	47Cr
Normalized Basic EPS	19.41	23.11	25.21	27.75	17.09
Normalized Diluted EPS	19.02	22.48	24.35	27.04	16.73
Dividend Per Share	11.91	16.49	18.93	20.75	21.32
Payout Ratio	19.38	54.82	56.29	58.02	134.72
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	24.61	21.91	20.68	20.44	34.1
Normalized Net Income	941.29Cr	1.13TCr	1.19TCr	1.29TCr	793.24Cr
Non-Cash Pension Expense	-25Cr	-28Cr	-31Cr	-36Cr	-37Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	61Cr	88Cr	202.8Cr	75Cr	78Cr
Total Stock-Based Compensation	61Cr	88Cr	202.8Cr	75Cr	78Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.57TCr	2.17TCr	2.36TCr	2.28TCr	3.14TCr
Investment Securities, Total	26TCr	28TCr	29TCr	31TCr	37TCr
Trading Asset Securities, Total	6.02TCr	2.85TCr	3.85TCr	4.37TCr	5.29TCr
Total investments	32TCr	30TCr	33TCr	36TCr	42TCr
Gross Loans	82TCr	88TCr	90TCr	97TCr	1,03000Cr
Allowance For Loan Losses	-2.56TCr	-2.72TCr	-2.96TCr	-2.87TCr	-2.76TCr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	80TCr	85TCr	87TCr	94TCr	1,00300Cr
Gross Property Plant And Equipment	1.55TCr	1.58TCr	1.5TCr	1.88TCr	1.93TCr
Accumulated Depreciation	-472.9Cr	-468.6Cr	-412.7Cr	-462.5Cr	-516.3Cr
Net Property Plant And Equipment	1.07TCr	1.11TCr	1.09TCr	1.41TCr	1.42TCr
Goodwill	429.5Cr	429.2Cr	401.1Cr	401.1Cr	534Cr
Other Intangibles, Total	892.6Cr	835.7Cr	796.6Cr	864.1Cr	810.9Cr
Investment in Real Estate	2.8Cr	2.6Cr	37Cr	29Cr	29Cr
Other Receivables	1.3TCr	878.6Cr	1.11TCr	1.16TCr	1.32TCr
Restricted Cash	2.89TCr	2.39TCr	2.85TCr	3.23TCr	3.34TCr
Other Current Assets, Total	64Cr	24Cr	49Cr	18Cr	14Cr
Deferred Tax Assets Long-Term (Collected)	89Cr	68Cr	92Cr	55Cr	40Cr
Other Real Estate Owned And Foreclosed	19Cr	19Cr	21Cr	-	-
Other Long-Term Assets, Total	2.24TCr	1.97TCr	2.2TCr	2.3TCr	2.47TCr
Total Assets	1,22100Cr	1,25300Cr	1,31100Cr	1,41900Cr	1,55900Cr
Liabilities
Accrued Expenses, Total	354.8Cr	403.6Cr	415Cr	458.6Cr	450.5Cr
Interest Bearing Deposits	59TCr	62TCr	64TCr	68TCr	74TCr
Non-Interest Bearing Deposits	36TCr	41TCr	44TCr	47TCr	52TCr
Total Deposits	96TCr	1,02600Cr	1,07400Cr	1,15600Cr	1,26500Cr
Short-Term Borrowings	5.15TCr	2.33TCr	2.78TCr	3.05TCr	5.1TCr
Current Portion of Long-Term Debt	791.1Cr	807.5Cr	760.1Cr	867.5Cr	823.8Cr
Current Portion of Leases	96Cr	95Cr	92Cr	101.1Cr	112.2Cr
Long-Term Debt	5.02TCr	4.38TCr	4.02TCr	4.11TCr	4.38TCr
Long-Term Leases	152.6Cr	164.1Cr	173Cr	163Cr	135.6Cr
Current Income Taxes Payable	33Cr	32Cr	31Cr	32Cr	27Cr
Other Current Liabilities - (Bank / Utility Template)	2.15TCr	1.68TCr	2.02TCr	3.31TCr	3.82TCr
Unearned Revenue Non Current	41Cr	38Cr	37Cr	40Cr	47Cr
Pension & Other Post Retirement Benefits	242.7Cr	60L	4.3Cr	4.7Cr	5.9Cr
Deferred Tax Liability Non-Current	46Cr	50Cr	51Cr	78Cr	79Cr
Other Non Current Liabilities	1.44TCr	1.12TCr	1.44TCr	1.44TCr	1.64TCr
Total Liabilities	1,11200Cr	1,13700Cr	1,19200Cr	1,29200Cr	1,43200Cr
Common Stock, Total	51Cr	51Cr	49Cr	49Cr	48Cr
Additional Paid In Capital	1.88TCr	1.92TCr	1.43TCr	1.44TCr	1.19TCr
Retained Earnings	7.78TCr	8.41TCr	9.06TCr	9.73TCr	9.46TCr
Treasury Stock	-2.3Cr	-2.4Cr	-2.3Cr	-2.1Cr	-2Cr
Comprehensive Income and Other	250.3Cr	115.3Cr	233.8Cr	17Cr	704.5Cr
Total Common Equity	9.95TCr	10TCr	11TCr	11TCr	11TCr
Minority Interest	999.8Cr	1.1TCr	1.15TCr	1.38TCr	1.29TCr
Total Equity	11TCr	12TCr	12TCr	13TCr	13TCr
Total Liabilities And Equity	1,22100Cr	1,25300Cr	1,31100Cr	1,41900Cr	1,55900Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	49Cr	49Cr	46Cr	47Cr	46Cr
ECS Total Common Shares Outstanding	49Cr	49Cr	46Cr	47Cr	46Cr
Book Value / Share	204.93	215.35	231.93	240.4	249.56
Tangible Book Value	8.63TCr	9.23TCr	9.58TCr	9.96TCr	10TCr
Tangible Book Value Per Share	177.7	189.39	206.15	213.3	220.12
Total Debt	11TCr	7.78TCr	7.82TCr	8.29TCr	11TCr
Deposits at Interest - Cash	3.87TCr	3.92TCr	4.58TCr	4.93TCr	5.86TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-405.3Cr	-395.2Cr	-466.7Cr	-523.4Cr	-569.4Cr
Net Debt	236Cr	-452.4Cr	-163.9Cr	-332.8Cr	-680.6Cr
Equity Method Investments, Total	339.5Cr	249.6Cr	248.9Cr	248.6Cr	154.6Cr
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.12TCr	1.43TCr	1.53TCr	1.68TCr	779.9Cr
Depreciation, Depletion & Amortization	230.4Cr	222.4Cr	227.5Cr	255.3Cr	254Cr
Amortization of Goodwill and Intangible Assets - (CF)	10L	-	-	-	1.3Cr
Total Depreciation, Depletion & Amortization	230.5Cr	222.4Cr	227.5Cr	255.3Cr	255.3Cr
Amortization of Deferred Charges, Total	170.5Cr	186.4Cr	185Cr	187.5Cr	182.4Cr
(Gain) Loss On Sale of Asset - (CF)	3Cr	-34Cr	6.6Cr	2Cr	2.5Cr
(Gain) Loss on Sale of Investments - (CF)	879.2Cr	878.1Cr	1.05TCr	914.3Cr	1.69TCr
Total Asset Writedown	47Cr	9.1Cr	34Cr	15Cr	99Cr
Provision for Credit Losses	-	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-79Cr	-88Cr	-144.9Cr	-131.3Cr	-119.2Cr
Stock-Based Compensation (CF)	61Cr	88Cr	101.4Cr	75Cr	78Cr
Change in Trading Asset Securities	-	3.31TCr	-1.39TCr	-603.1Cr	-2.41TCr
Changes in Accrued Interest Receivable	75Cr	195.5Cr	187.1Cr	19Cr	121.4Cr
Changes in Accrued Interest Payable	100.1Cr	-426.2Cr	-427.4Cr	-145.5Cr	25Cr
Change in Other Net Operating Assets (Collected)	-3.33TCr	-12TCr	-3.44TCr	-9.51TCr	-11TCr
Other Operating Activities	-5.7Cr	396.6Cr	384Cr	484.4Cr	-60Cr
Cash from Operations	-727.3Cr	-5.43TCr	-1.7TCr	-6.75TCr	-10TCr
Capital Expenditure	-345.5Cr	-317.6Cr	-387.2Cr	-462.3Cr	-259.8Cr
Sale of Property, Plant, and Equipment	2.9Cr	9.1Cr	6.9Cr	40Cr	4.5Cr
Cash Acquisitions	-	-	-	-104.3Cr	-158.2Cr
Divestitures	-	34Cr	-	-	-
Investment in Marketable and Equity Securities, Total	137.6Cr	12Cr	21Cr	-24Cr	259.9Cr
Cash from Investing	-205Cr	-262.6Cr	-358.9Cr	-550.4Cr	-153.6Cr
Long-Term Debt Issued, Total	657.9Cr	142.4Cr	484.2Cr	1.26TCr	1.42TCr
Total Debt Issued	657.9Cr	142.4Cr	484.2Cr	1.26TCr	1.42TCr
Long-Term Debt Repaid, Total	-923.3Cr	-874.8Cr	-993.2Cr	-1.29TCr	-1.28TCr
Total Debt Repaid	-923.3Cr	-874.8Cr	-993.2Cr	-1.29TCr	-1.28TCr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-200Cr	-	-504.4Cr	-165.8Cr	-326.4Cr
Repurchase of Preferred Stock	-314.4Cr	-	-	-	-
Common Dividends Paid	-217.8Cr	-782.6Cr	-861.5Cr	-976.7Cr	-1.05TCr
Common & Preferred Stock Dividends Paid	-217.8Cr	-782.6Cr	-861.5Cr	-976.7Cr	-1.05TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1.94TCr	7.31TCr	4.67TCr	8.63TCr	13TCr
Other Financing Activities, Total	256.4Cr	-8.7Cr	-114.7Cr	84Cr	-230.5Cr
Cash from Financing	1.2TCr	5.79TCr	2.68TCr	7.54TCr	12TCr
Foreign Exchange Rate Adjustments	53Cr	4.1Cr	30Cr	64Cr	-32Cr
Net Change in Cash	320.4Cr	103.2Cr	646.4Cr	306.4Cr	968.3Cr
Supplemental Items
Cash Interest Paid	3.43TCr	4.16TCr	7.12TCr	8.18TCr	8.2TCr
Cash Income Tax Paid (Refund)	559.9Cr	500.6Cr	562.7Cr	588.6Cr	604.4Cr
Net Debt Issued / Repaid	-265.4Cr	-732.4Cr	-509Cr	-30Cr	145.5Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.01	1.25	1.33	1.35	0.63
Return On Equity %	11.8	13.68	14.46	15.06	7.44
Return on Common Equity	11.92	13.96	14.39	15.3	6.89
Shareholders Value Added	-7.13Cr	200.85Cr	254.15Cr	363.32Cr	-576.52Cr
Margin Analysis
SG&A Margin	2.98	3.02	2.97	2.94	3.54
Net Interest Income / Total Revenues %	62.8	63.19	68.03	63.84	71.53
EBT Excl. Non-Recurring Items Margin %	32.66	34.55	35.71	35.62	25.48
Income From Continuing Operations Margin %	23.94	26.86	27.89	28.21	15.7
Net Income Margin %	21.72	24.86	25.11	25.71	13.01
Net Avail. For Common Margin %	21.72	24.86	25.11	25.71	13.01
Normalized Net Income Margin	18.19	19.6	19.54	19.76	13.23
Asset quality
Nonperforming Loans / Total Loans %	4.96	6.04	6.6	5.11	4.62
Nonperforming Loans / Total Assets %	3.34	4.23	4.54	3.5	3.05
Nonperforming Assets / Total Assets %	3.34	4.23	4.54	3.5	3.05
NPAs / Loans and OREO	4.96	6.04	6.6	5.11	4.62
NPAs / Equity	37.27	45.7	49.99	39.33	37.48
Allowance for Credit Losses / Net Charge-offs %	382.04	379.48	337.5	278.71	296.55
Allowance for Credit Losses / Nonperforming Loans %	62.84	51.37	49.67	57.92	58.11
Allowance for Credit Losses / Total Loans %	3.12	3.1	3.28	2.96	2.68
Provision for Loan Losses / Net Charge-offs %	97.32	102.94	109.51	77.6	70.26
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.7	8.28	8.3	8.06	7.6
Total Average Equity / Total Average Assets %	8.57	9.13	9.17	8.99	8.5
Total Equity + Allowance for Loan Losses / Total Loans %	15.2	15.07	15.21	14.52	13.75
Gross Loans / Total Deposits %	86.09	85.48	84.1	84.03	81.41
Net Loans / Total Deposits %	83.41	82.83	81.34	81.54	79.23
Tier 1 Capital Ratio %	14.3	-	-	-	-
Core Tier 1 Capital Ratio	12.8	14	13.5	-	-
Coverage Ratio	62.84	51.37	49.67	57.92	58.11
Interbank Ratio	97.88	87.72	-	81.79	79.36
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.49	1.43	1.28	1.28	1.17
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.04	11.62	14.31	0.81	2.56
Non Interest Income, 1 Yr. Growth %	11.01	11.2	6.23	8.89	-24.27
Provision For Loan Losses, 1 Yr. Growth %	-50.22	12.96	30.13	-16.74	-18.09
Total Revenues, 1 Yr. Growth %	28.8	11.24	8.31	7.43	-7.77
Earnings From Cont. Operations, 1 Yr. Growth %	178.11	24.47	10.17	8.66	-49.05
Net Income, 1 Yr. Growth %	224.14	27.02	7.13	9.99	-53.67
Normalized Net Income, 1 Yr. Growth %	175.09	19.56	5.74	8.66	-38.71
Diluted EPS Before Extra, 1 Yr. Growth %	220.31	25.54	9.6	12.44	-53.23
Dividend Per Share, 1 Yr. Growth %	-	38.46	14.8	9.61	2.75
Gross Loans, 1 Yr. Growth %	0.46	6.53	2.98	7.52	6.08
Allowance For Loan Losses, 1 Yr. Growth %	3.41	6.08	8.79	-2.98	-3.74
Net Loans, 1 Yr. Growth %	0.37	6.54	2.8	7.88	6.38
Non Performing Loans, 1 Yr. Growth %	-13.07	29.77	12.52	-16.8	-4.04
Non Performing Assets, 1 Yr. Growth %	-13.07	29.77	12.52	-16.8	-4.04
Total Assets, 1 Yr. Growth %	-0.58	3.13	4.67	8.17	9.88
Total Deposits, 1 Yr Growth %	1.58	7.72	4.67	7.62	9.48
Tangible Book Value, 1 Yr. Growth %	14.69	6.94	3.73	4.01	0.97
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	11.82	5.44	2.64	4.19	1.57
Total Equity, 1 Yr. Growth %	9.03	5.83	2.82	5.77	0.7
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.79	9.82	12.96	7.35	1.68
Non Interest Income, 2 Yr. CAGR %	-0.38	10.81	6.51	7.55	-9.91
Provision For Loan Losses, 2 Yr. CAGR %	3.25	-25.01	21.24	4.09	-17.42
Total Revenues, 2 Yr. CAGR %	1.72	19.54	8.68	7.87	-0.84
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.66	86.05	17.15	9.41	-25.6
Net Income, 2 Yr. CAGR %	-3.23	102.91	16.7	8.55	-28.62
Normalized Net Income, 2 Yr. CAGR %	-2.81	81.35	12.49	7.19	-18.39
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.96	100.53	17.36	11.01	-27.48
Dividend Per Share, 2 Yr. CAGR %	-8.26	-	26.07	12.18	6.13
Gross Loans, 2 Yr. CAGR %	-0.04	3.45	4.74	5.23	6.8
Allowance For Loan Losses, 2 Yr. CAGR %	20.93	4.74	7.43	2.74	-3.36
Net Loans, 2 Yr. CAGR %	-0.55	3.41	4.65	5.31	7.13
Non Performing Loans, 2 Yr. CAGR %	20.65	6.21	20.84	-3.24	-10.65
Non Performing Assets, 2 Yr. CAGR %	20.65	6.21	20.84	-3.24	-10.65
Total Assets, 2 Yr. CAGR %	3.34	1.01	3.9	6.4	9.02
Total Deposits, 2 Yr CAGR %	4.32	4.4	6.19	6.14	8.55
Tangible Book Value, 2 Yr. CAGR %	7.82	10.74	5.35	3.87	2.48
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	6.58	8.59	4.06	3.41	2.87
Total Equity, 2 Yr. CAGR %	5.47	7.42	4.33	4.28	3.2
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.09	6.34	11.3	8.76	5.73
Non Interest Income, 3 Yr. CAGR %	-0.21	3.15	7.8	7.3	-4.82
Provision For Loan Losses, 3 Yr. CAGR %	21	6.39	-9.89	6.97	-3.9
Total Revenues, 3 Yr. CAGR %	0.44	4.7	14.91	8.26	2.12
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.3	6.37	56.28	14.25	-15.19
Net Income, 3 Yr. CAGR %	-5.64	5.95	64.04	14.42	-18.27
Normalized Net Income, 3 Yr. CAGR %	-5.45	4.14	51.55	11.2	-11.03
Diluted EPS Before Extra, 3 Yr. CAGR %	-5.74	5.01	64.01	15.7	-16.78
Dividend Per Share, 3 Yr. CAGR %	-5.58	5.23	-	20.33	8.94
Gross Loans, 3 Yr. CAGR %	3.49	2.1	3.3	5.66	5.51
Allowance For Loan Losses, 3 Yr. CAGR %	18.31	15.76	6.07	3.84	0.53
Net Loans, 3 Yr. CAGR %	3.12	1.76	3.21	5.72	5.66
Non Performing Loans, 3 Yr. CAGR %	17.39	23.61	8.27	6.7	-3.51
Non Performing Assets, 3 Yr. CAGR %	17.39	23.61	8.27	6.7	-3.51
Total Assets, 3 Yr. CAGR %	5.36	3.1	2.21	5.3	7.55
Total Deposits, 3 Yr CAGR %	5.96	5.3	4.49	6.66	7.24
Tangible Book Value, 3 Yr. CAGR %	6.63	7.52	8.37	4.9	2.89
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	5.9	6.2	6.58	4.1	2.79
Total Equity, 3 Yr. CAGR %	6.26	5.59	5.88	4.81	3.07
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.22	5.6	7.55	6.74	7.35
Non Interest Income, 5 Yr. CAGR %	2.78	3.51	2.31	4.05	0.33
Provision For Loan Losses, 5 Yr. CAGR %	7.49	17.44	21.1	5.46	-12.98
Total Revenues, 5 Yr. CAGR %	3.13	3.51	3.6	5.54	8.33
Earnings From Cont. Operations, 5 Yr. CAGR %	3.05	4.62	3.76	7.6	16.14
Net Income, 5 Yr. CAGR %	2.09	4.2	2.73	7	17.6
Normalized Net Income, 5 Yr. CAGR %	1.6	2.93	1.35	5.37	18.31
Diluted EPS Before Extra, 5 Yr. CAGR %	1.8	3.75	2.9	7.39	18.33
Dividend Per Share, 5 Yr. CAGR %	-0.15	5.11	5.99	7.96	-
Gross Loans, 5 Yr. CAGR %	2.35	3.55	3.99	3.34	4.68
Allowance For Loan Losses, 5 Yr. CAGR %	16.12	17.79	13.83	10.36	2.19
Net Loans, 5 Yr. CAGR %	2.91	4.17	3.73	3.17	4.76
Non Performing Loans, 5 Yr. CAGR %	15.86	22.03	18.76	12.07	0.27
Non Performing Assets, 5 Yr. CAGR %	15.86	22.03	18.76	12.07	0.27
Total Assets, 5 Yr. CAGR %	4.8	4.97	4.67	4.41	4.88
Total Deposits, 5 Yr CAGR %	5.2	6.56	5.96	5.64	6.09
Tangible Book Value, 5 Yr. CAGR %	5.62	5.55	6.12	6.06	5.98
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	5.61	5.1	5.16	5.09	5.08
Total Equity, 5 Yr. CAGR %	6.03	5.53	5.49	5.07	4.8