Balance Sheet OTP Bank Nyrt.

Stocks

OTP

HU0000061726

Banks

Market Closed - Budapest S.E. Other stock markets 08:50:00 11/06/2026 pm IST			5-day change	1st Jan Change
40,880.00 ^HUF	+1.82%		+0.44%	+16.47%

28/05	Hungary's OTP announces listing of EMTN programme on Hong Kong Stock Exchange	RE
26/05	OTP Bank Plc Redeems USD 500,000,000 Fixed Rate Reset Senior Preferred Notes Due 2027	CI

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Published financial data: OTP BANK NYRT.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,11700Cr	2,00400Cr	2,94800Cr	3,08200Cr	3,34900Cr
Interest Income On Investments	1.56TCr	-	-	-	-
Interest Income, Total	1,13300Cr	2,00400Cr	2,94800Cr	3,08200Cr	3,34900Cr
Interest On Deposits	24TCr	91TCr	1,56200Cr	1,33700Cr	1,40900Cr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	24TCr	91TCr	1,56200Cr	1,33700Cr	1,40900Cr
Net Interest Income	89TCr	1,09100Cr	1,38700Cr	1,74500Cr	1,94100Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-316.9Cr	-6.6TCr	-104.7Cr	-4.49TCr	2.91TCr
Income (Loss) on Equity Invest. (Income Block)	-	1.46TCr	1.48TCr	1.3TCr	2.14TCr
Total Other Non Interest Income	45TCr	58TCr	83TCr	90TCr	1,02800Cr
Non Interest Income, Total	45TCr	53TCr	84TCr	86TCr	1,07800Cr
Revenues Before Provison For Loan Losses	1,33600Cr	1,61800Cr	2,22900Cr	2,61000Cr	3,01900Cr
Provision For Loan Losses	3.39TCr	14TCr	11TCr	6.69TCr	16TCr
Total Revenues	1,30200Cr	1,47600Cr	2,12000Cr	2,54300Cr	2,86300Cr
Salaries And Other Employee Benefits	29TCr	35TCr	41TCr	48TCr	55TCr
Occupancy Expense	9.5TCr	11TCr	11TCr	13TCr	15TCr
Selling General & Admin Expenses, Total	22TCr	27TCr	32TCr	36TCr	39TCr
Total Other Non Interest Expense	14TCr	24TCr	22TCr	24TCr	35TCr
Non Interest Expense, Total	75TCr	98TCr	1,07200Cr	1,21300Cr	1,44300Cr
EBT, Excl. Unusual Items	56TCr	50TCr	1,04800Cr	1,33000Cr	1,42100Cr
Total Merger & Related Restructuring Charges	-	-	-250.7Cr	-	-
Impairment of Goodwill	-	-6.77TCr	-	-	-67Cr
Asset Writedown	-252.9Cr	-183.1Cr	-428.8Cr	-731.2Cr	-935.9Cr
Other Unusual Items	-2.41TCr	-3.62TCr	16TCr	-1.32TCr	-938.3Cr
EBT, Incl. Unusual Items	53TCr	39TCr	1,20100Cr	1,31000Cr	1,40100Cr
Income Tax Expense	7.21TCr	5.93TCr	19TCr	25TCr	25TCr
Earnings From Continuing Operations	46TCr	34TCr	1,01200Cr	1,05600Cr	1,14600Cr
Earnings Of Discontinued Operations	12Cr	-	-2.12TCr	1.98TCr	-
Net Income to Company	46TCr	34TCr	99TCr	1,07600Cr	1,14600Cr
Minority Interest	-	-73Cr	-180.1Cr	-422.7Cr	-562.7Cr
Net Income - (IS)	46TCr	33TCr	99TCr	1,07200Cr	1,14100Cr
Preferred Dividend and Other Adjustments	84Cr	-	-	-	-
Net Income to Common Incl Extra Items	46TCr	33TCr	99TCr	1,07200Cr	1,14100Cr
Net Income to Common Excl. Extra Items	46TCr	33TCr	1,01000Cr	1,05200Cr	1,14100Cr
Per Share Items
Net EPS - Basic	1.74T	1.25T	3.69T	4.05T	4.44T
Basic EPS - Continuing Operations	1.74T	1.25T	3.77T	3.98T	4.44T
Basic Weighted Average Shares Outstanding	26Cr	27Cr	27Cr	26Cr	26Cr
Net EPS - Diluted	1.74T	1.25T	3.69T	4.05T	4.43T
Diluted EPS - Continuing Operations	1.74T	1.25T	3.77T	3.98T	4.43T
Diluted Weighted Average Shares Outstanding	26Cr	27Cr	27Cr	26Cr	26Cr
Normalized Basic EPS	1.32T	1.16T	2.44T	3.13T	3.43T
Normalized Diluted EPS	1.32T	1.16T	2.44T	3.13T	3.43T
Dividend Per Share	430.41	300.16	539.46	964.28	1.07T
Payout Ratio	0	34.68	8.11	13.34	22.44
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	13.65	15	15.77	19.35	18.19
Total Current Taxes	6.57TCr	9.15TCr	19TCr	26TCr	28TCr
Total Deferred Taxes	643.1Cr	-3.23TCr	442.3Cr	-574.8Cr	-2.31TCr
Normalized Net Income	35TCr	31TCr	65TCr	83TCr	88TCr
Non-Cash Pension Expense	-14Cr	-26Cr	-70L	20Cr	52Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	358.9Cr	294.8Cr	329.2Cr	441.1Cr	539.1Cr
Total Stock-Based Compensation	358.9Cr	294.8Cr	329.2Cr	441.1Cr	539.1Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,70200Cr	2,59800Cr	4,85900Cr	3,51700Cr	2,54100Cr
Investment Securities, Total	7,81900Cr	8,09800Cr	8,77500Cr	11,54300Cr	12,40900Cr
Trading Asset Securities, Total	31TCr	43TCr	26TCr	72TCr	38TCr
Mortgage Backed Securities	6.31TCr	5.46TCr	3.03TCr	3.42TCr	3.02TCr
Total investments	8,18900Cr	8,58200Cr	9,06900Cr	12,29500Cr	12,81600Cr
Gross Loans	16,79500Cr	19,89500Cr	21,60200Cr	24,58600Cr	27,12600Cr
Allowance For Loan Losses	-90TCr	-1,05100Cr	-97TCr	-1,00400Cr	-1,07500Cr
Other Adjustments to Gross Loans	-14TCr	-16TCr	-22TCr	-23TCr	-22TCr
Net Loans	15,75500Cr	18,67900Cr	20,40500Cr	23,35700Cr	25,82800Cr
Gross Property Plant And Equipment	74TCr	83TCr	89TCr	1,00200Cr	1,04700Cr
Accumulated Depreciation	-27TCr	-31TCr	-29TCr	-34TCr	-36TCr
Net Property Plant And Equipment	46TCr	52TCr	60TCr	66TCr	68TCr
Goodwill	11TCr	6.83TCr	6.69TCr	7.13TCr	6.82TCr
Other Intangibles, Total	14TCr	17TCr	22TCr	29TCr	32TCr
Investment in Real Estate	2.99TCr	4.75TCr	5.34TCr	8.82TCr	9.3TCr
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	8.58TCr	12TCr	14TCr	12TCr	14TCr
Restricted Cash	85TCr	1,62400Cr	2,26600Cr	2,56200Cr	2,42500Cr
Other Current Assets, Total	16TCr	20TCr	1,74000Cr	24TCr	30TCr
Deferred Tax Assets Long-Term (Collected)	1.51TCr	7.54TCr	5.57TCr	5.66TCr	7.63TCr
Other Real Estate Owned And Foreclosed	742.3Cr	817.7Cr	1.71TCr	2.06TCr	1.69TCr
Other Long-Term Assets, Total	4.68TCr	10TCr	12TCr	15TCr	12TCr
Total Assets	27,55300Cr	32,80400Cr	39,60900Cr	43,41900Cr	45,42700Cr
Liabilities
Accounts Payable, Total	4.62TCr	5.68TCr	7.34TCr	9.96TCr	8.21TCr
Accrued Expenses, Total	19TCr	22TCr	19TCr	31TCr	27TCr
Interest Bearing Deposits	21,06000Cr	25,18900Cr	28,33200Cr	31,65800Cr	33,73300Cr
Total Deposits	21,06000Cr	25,18900Cr	28,33200Cr	31,65800Cr	33,73300Cr
Short-Term Borrowings	26TCr	41TCr	20TCr	14TCr	9.43TCr
Current Portion of Long-Term Debt	55TCr	68TCr	1,12400Cr	1,31300Cr	82TCr
Current Portion of Leases	1.18TCr	1.38TCr	1.24TCr	1.52TCr	1.42TCr
Long-Term Debt	1,81200Cr	2,23800Cr	3,67900Cr	3,88200Cr	3,93100Cr
Long-Term Leases	4.15TCr	5TCr	6.39TCr	6.69TCr	6.82TCr
Current Income Taxes Payable	3.66TCr	2.89TCr	6.99TCr	7.68TCr	3.56TCr
Accrued Interest Payable	839.6Cr	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	11TCr	18TCr	1,35300Cr	26TCr	25TCr
Pension & Other Post Retirement Benefits	1.02TCr	955.6Cr	1.18TCr	1.38TCr	1.55TCr
Deferred Tax Liability Non-Current	2.4TCr	4.01TCr	2.87TCr	3.26TCr	2.83TCr
Other Non Current Liabilities	35TCr	36TCr	37TCr	43TCr	47TCr
Total Liabilities	24,51700Cr	29,48200Cr	35,51400Cr	38,29900Cr	39,80200Cr
Common Stock, Total	2.8TCr	2.8TCr	2.8TCr	2.8TCr	2.8TCr
Retained Earnings	1,30000Cr	1,12100Cr	1,44800Cr	1,71100Cr	1,69400Cr
Treasury Stock	-11TCr	-11TCr	-12TCr	-25TCr	-46TCr
Comprehensive Income and Other	1,81000Cr	2,27500Cr	2,73200Cr	3,61700Cr	4,34700Cr
Total Common Equity	3,03100Cr	3,31600Cr	4,08700Cr	5,11000Cr	5,61000Cr
Minority Interest	619.8Cr	595.9Cr	796Cr	968Cr	1.57TCr
Total Equity	3,03700Cr	3,32200Cr	4,09500Cr	5,12000Cr	5,62600Cr
Total Liabilities And Equity	27,55300Cr	32,80400Cr	39,60900Cr	43,41900Cr	45,42700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	28Cr	28Cr	28Cr	27Cr	27Cr
ECS Total Common Shares Outstanding	28Cr	28Cr	28Cr	27Cr	27Cr
Book Value / Share	10.95T	11.86T	14.63T	18.72T	21.12T
Tangible Book Value	2,78200Cr	3,07900Cr	3,79500Cr	4,75400Cr	5,22400Cr
Tangible Book Value Per Share	10.05T	11.01T	13.58T	17.42T	19.67T
Tangible Book Value Per Share (As Reported)	10.19T	-	14.59T	18.51T	21.1T
Average Assets	-	-	37,16800Cr	41,68900Cr	44,76200Cr
Total Debt	2,67500Cr	3,39300Cr	5,08400Cr	5,41400Cr	4,92800Cr
Deposits at Interest - Cash	1,20500Cr	1,92200Cr	4,25400Cr	2,85100Cr	1,91100Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	526.4Cr	472.8Cr	658.4Cr	794Cr	803.5Cr
Net Debt	-98TCr	-1,02600Cr	-1,82900Cr	-1,04400Cr	-22TCr
Equity Method Investments, Total	4.24TCr	2.9TCr	6.68TCr	7.73TCr	7.86TCr
Full Time Employees	37.87T	35.98T	39.41T	38.52T	41.92T
Part Time Employees	-	-	-	-	2.08T
Number Of Offices	1.46T	1.39T	1.44T	1.25T	1.2T
Assets on Operating Lease - Gross	3.07TCr	3.12TCr	3.66TCr	4.15TCr	4.6TCr
Assets on Operating Lease - Accumulated Depreciation	-949.3Cr	-885.5Cr	-785.1Cr	-969.7Cr	-1.15TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	46TCr	33TCr	99TCr	1,07200Cr	1,14100Cr
Depreciation, Depletion & Amortization	5.53TCr	6.3TCr	7.01TCr	7.64TCr	8.38TCr
Amortization of Goodwill and Intangible Assets - (CF)	4.5TCr	4.98TCr	5.33TCr	6.43TCr	7.7TCr
Total Depreciation, Depletion & Amortization	10TCr	11TCr	12TCr	14TCr	16TCr
(Gain) Loss On Sale of Asset - (CF)	13Cr	-128.1Cr	60Cr	-275.7Cr	280.1Cr
(Gain) Loss on Sale of Investments - (CF)	4.1TCr	5.85TCr	-18TCr	-7.84TCr	1.41TCr
Total Asset Writedown	451.5Cr	8.55TCr	1.56TCr	2.05TCr	2.75TCr
Provision for Credit Losses	2.77TCr	16TCr	12TCr	8.48TCr	16TCr
Stock-Based Compensation (CF)	358.9Cr	294.8Cr	329.2Cr	441.1Cr	539.1Cr
Change in Trading Asset Securities	-13TCr	-13TCr	12TCr	-46TCr	24TCr
Change in Other Net Operating Assets (Collected)	-2,14300Cr	-2,93100Cr	-1,21300Cr	-2,28700Cr	-3,17100Cr
Other Operating Activities	-1.64TCr	-32TCr	-36TCr	-17TCr	-28TCr
Net Cash From Discontinued Operations	-11Cr	-	-4.39TCr	2.41TCr	-
Cash from Operations	-1,65200Cr	-2,63900Cr	-43TCr	-1,65900Cr	-1,69500Cr
Capital Expenditure	-30TCr	-28TCr	-30TCr	-30TCr	-39TCr
Sale of Property, Plant, and Equipment	12TCr	7.61TCr	14TCr	6.9TCr	19TCr
Cash Acquisitions	-	3.89TCr	58TCr	-	-
Sale (Purchase) of Real Estate Properties (Collected)	784.9Cr	-1.98TCr	441.9Cr	-3.1TCr	-993.7Cr
Investment in Marketable and Equity Securities, Total	-1,39800Cr	-56TCr	58TCr	-2,11400Cr	-90TCr
Other Investing Activities, Total	1.58TCr	1.38TCr	1.56TCr	-13TCr	1.62TCr
Cash from Investing	-1,55600Cr	-72TCr	1,01900Cr	-2,51000Cr	-1,09200Cr
Long-Term Debt Issued, Total	7.94TCr	58TCr	1,38000Cr	1,05800Cr	1,07000Cr
Total Debt Issued	7.94TCr	58TCr	1,38000Cr	1,05800Cr	1,07000Cr
Long-Term Debt Repaid, Total	-12TCr	-16TCr	-25TCr	-62TCr	-79TCr
Total Debt Repaid	-12TCr	-16TCr	-25TCr	-62TCr	-79TCr
Issuance of Common Stock	29TCr	891.3Cr	2.35TCr	2.9TCr	4.37TCr
Repurchase of Common Stock	-28TCr	-1.63TCr	-3.98TCr	-15TCr	-25TCr
Common Dividends Paid	-1Cr	-12TCr	-8.02TCr	-14TCr	-26TCr
Common & Preferred Stock Dividends Paid	-1Cr	-12TCr	-8.02TCr	-14TCr	-26TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	3,12500Cr	3,78800Cr	85TCr	2,45900Cr	2,20800Cr
Other Financing Activities, Total	7.17TCr	-	-	-	-
Cash from Financing	3,17300Cr	4,07700Cr	1,87600Cr	2,63300Cr	2,02600Cr
Foreign Exchange Rate Adjustments	6.15TCr	18TCr	-20TCr	19TCr	-22TCr
Net Change in Cash	2.68TCr	90TCr	2,26200Cr	-1,34200Cr	-98TCr
Supplemental Items
Cash Interest Paid	94Cr	238.6Cr	309.9Cr	355.7Cr	405.3Cr
Cash Income Tax Paid (Refund)	4.79TCr	7.44TCr	15TCr	9.46TCr	29TCr
Net Debt Issued / Repaid	-4.11TCr	41TCr	1,12600Cr	44TCr	28TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.79	1.11	2.79	2.54	2.58
Return On Equity %	16.37	10.56	27.28	22.93	21.34
Return on Common Equity	16.37	10.55	27.28	22.88	21.28
Shareholders Value Added	17TCr	384.47Cr	60TCr	58TCr	57TCr
Margin Analysis
SG&A Margin	46.81	49.64	40	38.19	38.14
Net Interest Income / Total Revenues %	68.33	73.95	65.42	68.63	67.77
EBT Excl. Non-Recurring Items Margin %	42.62	33.92	49.43	52.31	49.62
Income From Continuing Operations Margin %	35.04	22.74	47.73	41.54	40.04
Net Income Margin %	35.05	22.69	46.64	42.15	39.84
Net Avail. For Common Margin %	34.97	22.69	47.65	41.37	39.84
Normalized Net Income Margin	26.64	21.15	30.81	32.53	30.81
Asset quality
Nonperforming Loans / Total Loans %	4.76	4.56	3.57	3.15	3.13
Nonperforming Loans / Total Assets %	2.9	2.77	1.95	1.78	1.87
Nonperforming Assets / Total Assets %	2.93	2.79	1.99	1.83	1.91
NPAs / Loans and OREO	4.81	4.6	3.64	3.23	3.19
NPAs / Equity	26.6	27.58	19.24	15.54	15.4
Allowance for Credit Losses / Net Charge-offs %	1.34T	1.14T	1.59T	827.66	2.08T
Allowance for Credit Losses / Nonperforming Loans %	112.32	115.78	126.33	129.53	126.57
Allowance for Credit Losses / Total Loans %	5.35	5.28	4.51	4.08	3.96
Provision for Loan Losses / Net Charge-offs %	50.53	154.17	178.69	55.15	300.98
Interest Income / Average Assets	-	-	7.93	7.39	7.48
Interest Expense / Average Assets	-	-	4.2	3.21	3.15
Net Interest Income / Average Assets	-	-	3.73	4.19	4.34
Non Interest Income / Average Assets	-	-	2.27	2.07	2.41
Non Interest Expense / Average Asset	-	-	2.88	2.91	3.22
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.93	10.52	10.22	11.08	12.07
Total Average Equity / Total Average Assets %	10.95	10.54	10.24	11.1	12.09
Total Equity + Allowance for Loan Losses / Total Loans %	23.4	21.95	23.43	24.87	24.64
Gross Loans / Total Deposits %	79.75	78.98	76.24	77.66	80.41
Net Loans / Total Deposits %	74.81	74.15	72.02	73.78	76.57
Tier 1 Capital Ratio %	17.5	16.1	16.6	18.9	18.1
Total Capital Ratio %	19.1	17.5	18.9	20.3	19.7
Core Tier 1 Capital Ratio	17.5	16.1	16.6	18.9	18.1
Tier 2 Capital Ratio	1.59	-	2.24	1.4	1.63
Coverage Ratio	112.32	115.78	126.33	129.53	126.57
Interbank Ratio	173.16	197.22	292.41	235.54	249.73
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	3.17	1.43	1.77	1.98	1.99
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	13.63	24.82	35.04	25.86	11.19
Non Interest Income, 1 Yr. Growth %	10.71	14.05	62.46	2.64	24.68
Provision For Loan Losses, 1 Yr. Growth %	-76.83	223.42	-13.92	16.43	132.25
Total Revenues, 1 Yr. Growth %	25.22	14.21	49.45	17.1	12.59
Earnings From Cont. Operations, 1 Yr. Growth %	79.62	-26.45	217.07	4.42	8.51
Net Income, 1 Yr. Growth %	75.8	-26.47	185.45	8.42	6.42
Normalized Net Income, 1 Yr. Growth %	59.06	-8.06	113.96	20.25	6.66
Diluted EPS Before Extra, 1 Yr. Growth %	76.99	-28.31	218.58	5.41	11.52
Dividend Per Share, 1 Yr. Growth %	-	-30.26	79.82	78.74	11.11
Gross Loans, 1 Yr. Growth %	15.86	18.45	8.58	13.81	10.33
Allowance For Loan Losses, 1 Yr. Growth %	5.23	16.97	-7.39	3.09	7.1
Net Loans, 1 Yr. Growth %	16.24	18.55	9.24	14.47	10.58
Non Performing Loans, 1 Yr. Growth %	8.53	13.47	-15.12	0.55	9.6
Non Performing Assets, 1 Yr. Growth %	7.82	13.44	-14.01	0.98	8.88
Total Assets, 1 Yr. Growth %	18.07	19.06	20.74	9.62	4.62
Total Deposits, 1 Yr Growth %	17.77	19.56	12.48	11.74	6.55
Tangible Book Value, 1 Yr. Growth %	21.27	10.69	23.26	25.25	9.89
Common Equity, 1 Yr. Growth %	19.64	9.43	23.23	25.04	9.78
Total Equity, 1 Yr. Growth %	19.69	9.4	23.25	25.04	9.88
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	12.2	18.04	25.94	30.37	18.3
Non Interest Income, 2 Yr. CAGR %	9.56	14.32	35.03	29.15	13.13
Provision For Loan Losses, 2 Yr. CAGR %	-16.83	-1.34	57.6	-27.43	64.45
Total Revenues, 2 Yr. CAGR %	12.46	19.12	28.07	33.91	14.82
Earnings From Cont. Operations, 2 Yr. CAGR %	4.58	14.94	48.9	81.95	6.45
Net Income, 2 Yr. CAGR %	5.18	13.57	47.33	75.92	7.41
Normalized Net Income, 2 Yr. CAGR %	18.77	19.64	38.68	64.63	13.25
Diluted EPS Before Extra, 2 Yr. CAGR %	4.45	12.64	47.32	83.25	8.42
Dividend Per Share, 2 Yr. CAGR %	31.74	-	11.95	79.28	40.92
Gross Loans, 2 Yr. CAGR %	15.18	17.15	13.41	11.17	12.06
Allowance For Loan Losses, 2 Yr. CAGR %	12.31	10.94	4.08	-2.29	5.08
Net Loans, 2 Yr. CAGR %	15.09	17.39	13.8	11.82	12.51
Non Performing Loans, 2 Yr. CAGR %	5.52	10.97	-1.86	-7.62	4.98
Non Performing Assets, 2 Yr. CAGR %	6.01	10.6	-1.23	-6.81	4.86
Total Assets, 2 Yr. CAGR %	17.02	18.56	19.9	15.05	7.09
Total Deposits, 2 Yr CAGR %	17.82	18.68	15.96	12.11	9.12
Tangible Book Value, 2 Yr. CAGR %	16.66	15.86	16.8	24.25	17.32
Common Equity, 2 Yr. CAGR %	15.13	14.42	16.13	24.14	17.16
Total Equity, 2 Yr. CAGR %	15.12	14.43	16.12	24.14	17.21
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	12.86	15.57	20.98	25.91	23.63
Non Interest Income, 3 Yr. CAGR %	11.78	12.32	27.84	23.24	27.64
Provision For Loan Losses, 3 Yr. CAGR %	14.42	42.7	-9.24	14.97	6.94
Total Revenues, 3 Yr. CAGR %	12.45	12.74	26.78	25.32	26.39
Earnings From Cont. Operations, 3 Yr. CAGR %	12.68	-7	58.51	32.29	53.16
Net Income, 3 Yr. CAGR %	12.76	-6.72	56.16	33.01	48.78
Normalized Net Income, 3 Yr. CAGR %	15.37	8.28	44.13	34.56	42.45
Diluted EPS Before Extra, 3 Yr. CAGR %	12.61	-7.86	56.61	31.76	55.29
Dividend Per Share, 3 Yr. CAGR %	25.26	6.57	-	30.85	52.86
Gross Loans, 3 Yr. CAGR %	24.03	16.26	14.22	13.54	10.89
Allowance For Loan Losses, 3 Yr. CAGR %	9.46	13.84	4.46	3.75	0.75
Net Loans, 3 Yr. CAGR %	24.74	16.23	14.61	14.02	11.41
Non Performing Loans, 3 Yr. CAGR %	0.62	8.11	1.49	-1.06	-2.2
Non Performing Assets, 3 Yr. CAGR %	0.93	8.43	1.7	-0.5	-1.85
Total Assets, 3 Yr. CAGR %	23.61	17.69	19.29	16.37	11.46
Total Deposits, 3 Yr CAGR %	23.12	18.41	16.58	14.54	10.23
Tangible Book Value, 3 Yr. CAGR %	18.84	14.63	18.27	19.55	19.27
Common Equity, 3 Yr. CAGR %	18.44	13.2	17.29	19.03	19.15
Total Equity, 3 Yr. CAGR %	18.46	13.18	17.3	19.02	19.19
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.23	14.36	17.5	19.81	19.9
Non Interest Income, 5 Yr. CAGR %	11.07	9.29	21.39	18.39	21.74
Provision For Loan Losses, 5 Yr. CAGR %	-18.37	28.36	37.04	6.43	1.21
Total Revenues, 5 Yr. CAGR %	13.44	11.54	18.27	19.82	22.45
Earnings From Cont. Operations, 5 Yr. CAGR %	17.65	3.59	25.97	20.42	35.17
Net Income, 5 Yr. CAGR %	17.68	3.56	25.44	21.04	34.45
Normalized Net Income, 5 Yr. CAGR %	18.57	7.03	23.65	27.46	32.25
Diluted EPS Before Extra, 5 Yr. CAGR %	17.84	3.02	25.39	20.07	35.19
Dividend Per Share, 5 Yr. CAGR %	17.77	6.51	19.76	31.2	-
Gross Loans, 5 Yr. CAGR %	20.33	20.72	19.67	14.2	13.35
Allowance For Loan Losses, 5 Yr. CAGR %	-0.98	7.31	7.27	7.09	4.71
Net Loans, 5 Yr. CAGR %	22.49	21.62	20.24	14.45	13.76
Non Performing Loans, 5 Yr. CAGR %	-3.85	-1.74	-0.38	1.52	2.87
Non Performing Assets, 5 Yr. CAGR %	-3.67	-1.56	0.06	2.05	2.95
Total Assets, 5 Yr. CAGR %	19.71	19.99	22.11	16.63	14.25
Total Deposits, 5 Yr CAGR %	19.83	19.77	20.21	15.85	13.53
Tangible Book Value, 5 Yr. CAGR %	17.25	16.09	18.02	18.39	17.89
Common Equity, 5 Yr. CAGR %	16.42	15.17	17.51	17.45	17.24
Total Equity, 5 Yr. CAGR %	16.41	15.16	17.52	17.45	17.26