Cash flow Qatar National Bank (Q.P.S.C.)

Stocks

QNBK

QA0006929895

Banks

End-of-day quote Qatar Exchange Other stock markets 12/07/2026			5-day change	1st Jan Change
17.22 ^QAR	-1.03%		-1.03%	-7.72%

09/07	Mideast stocks-most Gulf stock markets extend losses amid rising US-Iran tensions	RE
09/07	Qatar National Bank (Q.P.S.C.) Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI

36426170127.qr3zsfup8-Wqq0w3QnnWGUPx5deXi5FgZomPTMIJwtQ.yM6C4p3dn6iZhgdEdSvubSC2je6k-eg5JMf4NaFklYHh5ZbmkZq2h4eeDQ

Published financial data: QATAR NATIONAL BANK (Q.P.S.C.)

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	4.47TCr	5.97TCr	9.71TCr	13TCr	13TCr
Interest Income, Total	4.47TCr	5.97TCr	9.71TCr	13TCr	13TCr
Interest On Deposits	2.17TCr	3.08TCr	6.67TCr	9.25TCr	8.92TCr
Interest Expense, Total	2.17TCr	3.08TCr	6.67TCr	9.25TCr	8.92TCr
Net Interest Income	2.3TCr	2.89TCr	3.04TCr	3.28TCr	3.58TCr
Gain (Loss) on Sale of Assets	4.94Cr	69.19L	4.12Cr	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-9.9Cr	-9.28Cr	-68Cr	-3.59Cr	52Cr
Total Other Non Interest Income	479.83Cr	542.28Cr	773.81Cr	764.43Cr	780.06Cr
Non Interest Income, Total	474.87Cr	533.69Cr	709.89Cr	760.85Cr	831.65Cr
Revenues Before Provison For Loan Losses	2.78TCr	3.42TCr	3.75TCr	4.04TCr	4.41TCr
Provision For Loan Losses	706.6Cr	878.51Cr	869.2Cr	813.47Cr	934.36Cr
Total Revenues	2.07TCr	2.54TCr	2.88TCr	3.23TCr	3.48TCr
Salaries And Other Employee Benefits	338.21Cr	364.36Cr	410.84Cr	489.65Cr	539.06Cr
Amort. of Goodwill & Intang. Assets	7.91Cr	7.75Cr	13Cr	22Cr	5.63Cr
Occupancy Expense	62Cr	62Cr	66Cr	83Cr	99Cr
Selling General & Admin Expenses, Total	47Cr	39Cr	51Cr	50Cr	52Cr
(Income) Loss on Equity Invest.	-37Cr	-54Cr	-65Cr	-62Cr	-65Cr
Total Other Non Interest Expense	188.01Cr	230.73Cr	258.98Cr	316.46Cr	361.76Cr
Non Interest Expense, Total	605.27Cr	650.28Cr	735.91Cr	898.74Cr	992.1Cr
EBT, Excl. Unusual Items	1.47TCr	1.89TCr	2.15TCr	2.33TCr	2.48TCr
Other Unusual Items	-	-174.51Cr	-350.31Cr	-353.93Cr	-280.67Cr
EBT, Incl. Unusual Items	1.47TCr	1.72TCr	1.8TCr	1.98TCr	2.2TCr
Income Tax Expense	139Cr	271.92Cr	229.65Cr	282.41Cr	466.92Cr
Earnings From Continuing Operations	1.33TCr	1.44TCr	1.57TCr	1.69TCr	1.74TCr
Net Income to Company	1.33TCr	1.44TCr	1.57TCr	1.69TCr	1.74TCr
Minority Interest	-6.5Cr	-10Cr	-15Cr	-23Cr	-35Cr
Net Income - (IS)	1.32TCr	1.43TCr	1.55TCr	1.67TCr	1.7TCr
Preferred Dividend and Other Adjustments	100Cr	108.29Cr	115Cr	115Cr	115Cr
Net Income to Common Incl Extra Items	1.22TCr	1.33TCr	1.44TCr	1.56TCr	1.59TCr
Net Income to Common Excl. Extra Items	1.22TCr	1.33TCr	1.44TCr	1.56TCr	1.59TCr
Per Share Items
Net EPS - Basic	1.32	1.44	1.55	1.69	1.74
Basic EPS - Continuing Operations	1.32	1.44	1.55	1.69	1.74
Basic Weighted Average Shares Outstanding	923.64Cr	923.64Cr	923.64Cr	923.21Cr	913.48Cr
Net EPS - Diluted	1.32	1.44	1.55	1.69	1.74
Diluted EPS - Continuing Operations	1.32	1.44	1.55	1.69	1.74
Diluted Weighted Average Shares Outstanding	923.64Cr	923.64Cr	923.64Cr	923.21Cr	913.48Cr
Normalized Basic EPS	0.99	1.27	1.44	1.55	1.66
Normalized Diluted EPS	0.99	1.27	1.44	1.55	1.66
Dividend Per Share	0.55	0.6	0.65	0.7	0.72
Payout Ratio	39.08	42.37	42.7	61.06	45.49
Supplemental Items
Effective Tax Rate - (Ratio)	9.48	15.84	12.79	14.29	21.2
Total Current Taxes	100.61Cr	305.66Cr	271.61Cr	239.59Cr	283.09Cr
Total Deferred Taxes	38Cr	-35Cr	-49Cr	45Cr	44Cr
Normalized Net Income	910.13Cr	1.17TCr	1.33TCr	1.43TCr	1.52TCr
Non-Cash Pension Expense	4.86Cr	7.69Cr	6.67Cr	10Cr	13Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	11TCr	13TCr	11TCr	11TCr	8.69TCr
Investment Securities, Total	15TCr	16TCr	18TCr	18TCr	19TCr
Trading Asset Securities, Total	759.34Cr	1.09TCr	787.54Cr	908.45Cr	1.12TCr
Total investments	16TCr	17TCr	18TCr	19TCr	20TCr
Gross Loans	78TCr	83TCr	87TCr	93TCr	1,03700Cr
Allowance For Loan Losses	-2.32TCr	-2.61TCr	-2.91TCr	-2.78TCr	-3.1TCr
Other Adjustments to Gross Loans	-6.38Cr	-4.56Cr	-8.68Cr	-4.59Cr	-4.05Cr
Net Loans	76TCr	80TCr	84TCr	90TCr	1,00600Cr
Gross Property Plant And Equipment	895.86Cr	1.34TCr	1.37TCr	1.6TCr	1.82TCr
Accumulated Depreciation	-380.18Cr	-641.42Cr	-695.49Cr	-830.94Cr	-970.93Cr
Net Property Plant And Equipment	515.68Cr	694.15Cr	671.34Cr	765.52Cr	846.82Cr
Goodwill	199.72Cr	136.93Cr	106.84Cr	72Cr	72Cr
Other Intangibles, Total	188.96Cr	180.92Cr	157.42Cr	135.18Cr	113.23Cr
Accrued Interest Receivable	692.52Cr	1.3TCr	1.59TCr	1.66TCr	1.67TCr
Other Receivables	957.41Cr	723.66Cr	736.89Cr	1.13TCr	876.69Cr
Restricted Cash	4.37TCr	5.47TCr	5.98TCr	5.9TCr	5.66TCr
Other Current Assets, Total	48Cr	134.79Cr	214.15Cr	279.32Cr	343.28Cr
Deferred Tax Assets Long-Term (Collected)	39Cr	39Cr	96Cr	36Cr	17Cr
Other Real Estate Owned And Foreclosed	-	46Cr	27Cr	28Cr	26Cr
Deferred Charges Long-Term	-	16Cr	13Cr	12Cr	15Cr
Other Long-Term Assets, Total	191.39Cr	143.72Cr	211.17Cr	165.32Cr	159.98Cr
Total Assets	1,09300Cr	1,18900Cr	1,23100Cr	1,29800Cr	1,39100Cr
Liabilities
Accrued Expenses, Total	150.47Cr	242.49Cr	294.43Cr	386.65Cr	412Cr
Interest Bearing Deposits	70TCr	78TCr	82TCr	85TCr	87TCr
Non-Interest Bearing Deposits	16TCr	17TCr	16TCr	15TCr	18TCr
Total Deposits	86TCr	95TCr	97TCr	1,00700Cr	1,05100Cr
Short-Term Borrowings	3.35TCr	3.2TCr	3.28TCr	4.63TCr	4.16TCr
Current Portion of Long-Term Debt	1.17TCr	1.53TCr	2.17TCr	1.96TCr	2.71TCr
Current Portion of Leases	15Cr	8.29Cr	8Cr	5.31Cr	4.06Cr
Long-Term Debt	5.51TCr	4.57TCr	4.57TCr	5.52TCr	7.85TCr
Long-Term Leases	46Cr	49Cr	45Cr	35Cr	54Cr
Current Income Taxes Payable	55Cr	108.17Cr	113.94Cr	105.26Cr	265Cr
Accrued Interest Payable	370.2Cr	721.98Cr	1.42TCr	1.4TCr	1.22TCr
Other Current Liabilities - (Bank / Utility Template)	131.82Cr	1.24TCr	1.39TCr	1.98TCr	3.22TCr
Unearned Revenue Non Current	221.08Cr	432.35Cr	402.4Cr	269.22Cr	297.32Cr
Pension & Other Post Retirement Benefits	25Cr	45Cr	37Cr	39Cr	44Cr
Deferred Tax Liability Non-Current	5.31Cr	4.79Cr	4.31Cr	5.15Cr	47Cr
Other Non Current Liabilities	1.77TCr	997.68Cr	1.26TCr	1.42TCr	1.27TCr
Total Liabilities	99TCr	1,08300Cr	1,12100Cr	1,18400Cr	1,26700Cr
Common Stock, Total	923.64Cr	923.64Cr	923.64Cr	923.64Cr	923.64Cr
Retained Earnings	9.62TCr	10TCr	11TCr	12TCr	13TCr
Treasury Stock	-	-	-	-66Cr	-208.36Cr
Comprehensive Income and Other	-650.03Cr	-800Cr	-1.23TCr	-1.42TCr	-1.13TCr
Total Common Equity	9.89TCr	11TCr	11TCr	11TCr	12TCr
Minority Interest	111.35Cr	97Cr	110.85Cr	123.99Cr	162.95Cr
Total Equity	10TCr	11TCr	11TCr	11TCr	12TCr
Total Liabilities And Equity	1,09300Cr	1,18900Cr	1,23100Cr	1,29800Cr	1,39100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	923.64Cr	923.64Cr	923.64Cr	919.81Cr	911.33Cr
ECS Total Common Shares Outstanding	923.64Cr	923.64Cr	923.64Cr	919.81Cr	911.33Cr
Book Value / Share	10.71	9.21	9.65	10.06	11.31
Tangible Book Value	9.51TCr	10TCr	11TCr	11TCr	12TCr
Tangible Book Value Per Share	10.29	8.87	9.36	9.84	11.11
Total Debt	10TCr	9.36TCr	10TCr	12TCr	15TCr
Deposits at Interest - Cash	6.18TCr	9.05TCr	8.01TCr	8.56TCr	6.4TCr
Net Debt	-1.34TCr	-4.47TCr	-1.53TCr	125.32Cr	4.97TCr
Equity Method Investments, Total	746.7Cr	790.22Cr	784.94Cr	786.14Cr	856.06Cr
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.32TCr	1.43TCr	1.55TCr	1.67TCr	1.7TCr
Depreciation, Depletion & Amortization	62Cr	62Cr	66Cr	83Cr	99Cr
Amortization of Goodwill and Intangible Assets - (CF)	7.91Cr	7.75Cr	13Cr	22Cr	5.63Cr
Total Depreciation, Depletion & Amortization	69Cr	70Cr	79Cr	104.81Cr	104.9Cr
(Gain) Loss On Sale of Asset - (CF)	-4.94Cr	-69.19L	-4.12Cr	-1.07Cr	-51.9L
(Gain) Loss on Sale of Investments - (CF)	-87Cr	-325.9Cr	-552.2Cr	-1.76TCr	-81Cr
Provision for Credit Losses	706.6Cr	878.51Cr	869.2Cr	813.47Cr	934.36Cr
(Income) Loss On Equity Investments - (CF)	-26Cr	-37Cr	-47Cr	-41Cr	-44Cr
Change in Other Net Operating Assets (Collected)	-6.59TCr	-7.26TCr	-6.64TCr	-7.79TCr	-13TCr
Other Operating Activities	-39Cr	24Cr	391.71Cr	6.67Cr	-26Cr
Cash from Operations	-4.65TCr	-5.22TCr	-4.35TCr	-6.99TCr	-11TCr
Capital Expenditure	-117.39Cr	-133.51Cr	-124.4Cr	-147.87Cr	-156.71Cr
Sale of Property, Plant, and Equipment	6.45Cr	12Cr	7.94Cr	5Cr	1.28Cr
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-2.31TCr	-2.47TCr	-1.65TCr	783.91Cr	-806.83Cr
Other Investing Activities, Total	-	-	-	21Cr	21Cr
Cash from Investing	-2.42TCr	-2.59TCr	-1.77TCr	661.66Cr	-941.38Cr
Long-Term Debt Issued, Total	2TCr	575.9Cr	1.17TCr	1.97TCr	4.83TCr
Total Debt Issued	2TCr	575.9Cr	1.17TCr	1.97TCr	4.83TCr
Long-Term Debt Repaid, Total	-2.14TCr	-949.06Cr	-593.8Cr	-1.35TCr	-1.84TCr
Total Debt Repaid	-2.14TCr	-949.06Cr	-593.8Cr	-1.35TCr	-1.84TCr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-	-	-66Cr	-142.29Cr
Common Dividends Paid	-516.27Cr	-607.93Cr	-662.33Cr	-1.02TCr	-773.38Cr
Common & Preferred Stock Dividends Paid	-516.27Cr	-607.93Cr	-662.33Cr	-1.02TCr	-773.38Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	8.22TCr	11TCr	4.5TCr	7.25TCr	7.01TCr
Cash from Financing	7.57TCr	10TCr	4.41TCr	6.78TCr	9.09TCr
Foreign Exchange Rate Adjustments	-81Cr	-276.03Cr	-211.08Cr	-143.58Cr	-38Cr
Net Change in Cash	417.71Cr	2.07TCr	-1.92TCr	308.11Cr	-2.43TCr
Supplemental Items
Cash Interest Paid	2.16TCr	2.68TCr	5.92TCr	9.22TCr	9.08TCr
Cash Income Tax Paid (Refund)	124.52Cr	231.45Cr	255.37Cr	217.38Cr	262.82Cr
Net Debt Issued / Repaid	-140.68Cr	-373.16Cr	573.45Cr	616.17Cr	2.99TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.25	1.27	1.29	1.34	1.29
Return On Equity %	13.48	14.02	14.49	15.13	14.55
Return on Common Equity	12.54	13	13.41	14.05	13.45
Shareholders Value Added	160.51Cr	218.46Cr	279.28Cr	363.44Cr	291.84Cr
Margin Analysis
SG&A Margin	21.54	18.34	18.33	19.28	19.86
Net Interest Income / Total Revenues %	111.18	113.57	105.53	101.63	102.96
EBT Excl. Non-Recurring Items Margin %	70.79	74.41	74.47	72.17	71.45
Income From Continuing Operations Margin %	64.08	56.85	54.35	52.46	49.94
Net Income Margin %	63.76	56.46	53.81	51.77	48.92
Net Avail. For Common Margin %	58.94	52.19	49.82	48.2	45.61
Normalized Net Income Margin	43.93	46.11	46.01	44.41	43.64
Asset quality
Nonperforming Loans / Total Loans %	2.35	2.87	3.03	2.83	2.64
Nonperforming Loans / Total Assets %	1.68	1.99	2.14	2.02	1.97
Nonperforming Assets / Total Assets %	1.68	2.03	2.16	2.04	1.99
NPAs / Loans and OREO	2.35	2.92	3.06	2.86	2.67
NPAs / Equity	18.33	22.76	24.16	23.26	22.18
Allowance for Credit Losses / Nonperforming Loans %	126.29	110.16	110.34	106.19	113.1
Allowance for Credit Losses / Total Loans %	2.96	3.16	3.34	3	2.99
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.19	8.94	8.85	8.76	8.76
Total Average Equity / Total Average Assets %	9.3	9.03	8.94	8.86	8.87
Total Equity + Allowance for Loan Losses / Total Loans %	15.61	15.9	15.88	15.16	14.86
Gross Loans / Total Deposits %	90.45	86.7	89.64	92	98.61
Net Loans / Total Deposits %	87.76	83.95	86.63	89.23	95.66
Tier 1 Capital Ratio %	18.2	18.5	18.7	18.1	18.2
Total Capital Ratio %	19.3	19.6	19.8	19.2	19.3
Core Tier 1 Capital Ratio	14.2	14.6	14.8	14.6	15
Tier 2 Capital Ratio	1.11	1.13	1.14	1.13	1.14
Coverage Ratio	126.29	110.16	110.34	106.19	113.1
Interbank Ratio	62.29	67.54	55.68	56.49	49.9
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.68	1.56	1.27	1.21	1.25
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	9.72	25.3	5.38	7.9	9.01
Non Interest Income, 1 Yr. Growth %	12.45	12.39	33.02	7.18	9.31
Provision For Loan Losses, 1 Yr. Growth %	21.3	24.33	-1.06	-6.41	14.86
Total Revenues, 1 Yr. Growth %	6.84	22.67	13.41	12.04	7.61
Earnings From Cont. Operations, 1 Yr. Growth %	9.88	8.84	8.42	8.15	2.43
Net Income, 1 Yr. Growth %	10.07	8.61	8.1	7.77	1.69
Normalized Net Income, 1 Yr. Growth %	11.53	28.78	13.15	8.14	5.75
Diluted EPS Before Extra, 1 Yr. Growth %	10.98	8.64	8.26	8.45	2.9
Dividend Per Share, 1 Yr. Growth %	22.22	9.09	8.33	7.69	3.57
Gross Loans, 1 Yr. Growth %	5.98	5.48	5.47	6.41	11.94
Allowance For Loan Losses, 1 Yr. Growth %	20.81	12.6	11.48	-4.4	11.48
Net Loans, 1 Yr. Growth %	5.58	5.27	5.27	6.79	11.96
Non Performing Loans, 1 Yr. Growth %	16.03	29.08	11.29	-0.67	4.67
Non Performing Assets, 1 Yr. Growth %	16.03	26.93	10.27	-0.6	4.52
Total Assets, 1 Yr. Growth %	6.64	8.8	3.51	5.44	7.2
Total Deposits, 1 Yr Growth %	9.27	10.04	2.02	3.68	4.44
Tangible Book Value, 1 Yr. Growth %	3.48	7.21	4.46	3.77	9.74
Common Equity, 1 Yr. Growth %	3.27	6.21	3.82	3.16	9.37
Total Equity, 1 Yr. Growth %	3.26	6	3.91	3.25	9.61
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.8	17.25	14.91	6.63	8.45
Non Interest Income, 2 Yr. CAGR %	-1.82	12.42	22.27	19.4	8.24
Provision For Loan Losses, 2 Yr. CAGR %	49.14	22.8	10.91	-3.77	3.68
Total Revenues, 2 Yr. CAGR %	-2.84	14.48	17.95	12.72	9.8
Earnings From Cont. Operations, 2 Yr. CAGR %	-4.18	9.36	8.63	8.28	5.25
Net Income, 2 Yr. CAGR %	-4.05	9.34	8.36	7.94	4.69
Normalized Net Income, 2 Yr. CAGR %	-2.97	19.84	20.71	10.61	6.94
Diluted EPS Before Extra, 2 Yr. CAGR %	-4.36	9.8	8.45	8.35	5.64
Dividend Per Share, 2 Yr. CAGR %	-4.26	15.47	8.71	8.01	5.61
Gross Loans, 2 Yr. CAGR %	6.52	5.73	5.48	5.94	9.14
Allowance For Loan Losses, 2 Yr. CAGR %	23.5	16.63	12.04	3.23	3.23
Net Loans, 2 Yr. CAGR %	6.1	5.43	5.27	6.03	9.34
Non Performing Loans, 2 Yr. CAGR %	19.53	22.38	19.86	5.14	1.97
Non Performing Assets, 2 Yr. CAGR %	19.53	23.57	18.31	4.7	1.93
Total Assets, 2 Yr. CAGR %	7.56	7.71	6.12	4.47	6.31
Total Deposits, 2 Yr CAGR %	8.68	9.66	5.95	2.84	4.05
Tangible Book Value, 2 Yr. CAGR %	3	5.33	5.83	4.12	6.72
Common Equity, 2 Yr. CAGR %	2.82	4.73	5.01	3.49	6.22
Total Equity, 2 Yr. CAGR %	2.78	4.62	4.95	3.58	6.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.57	12.64	13.15	12.52	7.42
Non Interest Income, 3 Yr. CAGR %	-2.13	2.71	18.9	17.02	15.94
Provision For Loan Losses, 3 Yr. CAGR %	32.46	40.36	14.27	4.81	2.08
Total Revenues, 3 Yr. CAGR %	-0.54	5.02	14.12	15.94	10.99
Earnings From Cont. Operations, 3 Yr. CAGR %	-1.48	-0.03	9.04	8.47	6.3
Net Income, 3 Yr. CAGR %	-1.41	-0	8.92	8.16	5.81
Normalized Net Income, 3 Yr. CAGR %	-0.69	6.63	17.57	16.36	8.97
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.7	-0.21	9.29	8.45	6.5
Dividend Per Share, 3 Yr. CAGR %	-2.86	0	13.04	8.37	6.51
Gross Loans, 3 Yr. CAGR %	7.56	6.17	5.64	5.79	7.9
Allowance For Loan Losses, 3 Yr. CAGR %	16.12	19.75	14.89	6.26	5.91
Net Loans, 3 Yr. CAGR %	7.33	5.82	5.37	5.77	7.97
Non Performing Loans, 3 Yr. CAGR %	14.6	22.64	18.57	12.58	4.98
Non Performing Assets, 3 Yr. CAGR %	14.6	23.43	18.97	11.64	4.64
Total Assets, 3 Yr. CAGR %	8.23	7.97	6.29	5.89	5.37
Total Deposits, 3 Yr CAGR %	9.05	9.13	7.05	5.19	3.37
Tangible Book Value, 3 Yr. CAGR %	4.46	4.38	5.04	5.14	5.96
Common Equity, 3 Yr. CAGR %	4.27	3.93	4.42	4.39	5.41
Total Equity, 3 Yr. CAGR %	4.26	3.84	4.38	4.38	5.55
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.19	10.04	9.83	10.2	11.25
Non Interest Income, 5 Yr. CAGR %	-0.89	1.83	6.98	9.08	14.51
Provision For Loan Losses, 5 Yr. CAGR %	23.17	34.25	23.38	20.69	9.91
Total Revenues, 5 Yr. CAGR %	0.35	4.14	6.48	8.03	12.37
Earnings From Cont. Operations, 5 Yr. CAGR %	1.37	1.92	2.44	3.22	7.51
Net Income, 5 Yr. CAGR %	1.33	1.79	2.38	3.1	7.21
Normalized Net Income, 5 Yr. CAGR %	1.86	5.97	7.38	8.21	13.19
Diluted EPS Before Extra, 5 Yr. CAGR %	0.16	0.91	1.62	3.13	7.81
Dividend Per Share, 5 Yr. CAGR %	11.57	0	1.61	3.13	10.01
Gross Loans, 5 Yr. CAGR %	8.04	6.72	6.72	6.08	7.03
Allowance For Loan Losses, 5 Yr. CAGR %	18.58	19.71	14.47	12.85	10.08
Net Loans, 5 Yr. CAGR %	7.84	6.46	6.5	5.9	6.94
Non Performing Loans, 5 Yr. CAGR %	14.15	17.77	16.68	15.31	11.62
Non Performing Assets, 5 Yr. CAGR %	14.15	18.22	16.91	15.56	11.83
Total Assets, 5 Yr. CAGR %	8.72	7.95	7.38	6.56	6.3
Total Deposits, 5 Yr CAGR %	9.41	8.51	7.8	6.57	5.84
Tangible Book Value, 5 Yr. CAGR %	7.52	6.63	5.01	4.28	5.71
Common Equity, 5 Yr. CAGR %	7.16	6.21	4.57	3.76	5.14
Total Equity, 5 Yr. CAGR %	7.15	6.14	4.54	3.74	5.18