Financial Ratios Raiffeisen Bank International AG

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RBI

AT0000606306

Banks

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Published financial data: RAIFFEISEN BANK INTERNATIONAL AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	384.7Cr	668.1Cr	829.3Cr	817Cr	759.6Cr
Interest Income On Investments	79Cr	64Cr	234.8Cr	234.5Cr	226.2Cr
Interest Income, Total	463.6Cr	732.2Cr	1.06TCr	1.05TCr	985.8Cr
Interest On Deposits	126.7Cr	220.5Cr	492.3Cr	470.2Cr	395.4Cr
Interest Expense, Total	126.7Cr	220.5Cr	492.3Cr	470.2Cr	395.4Cr
Net Interest Income	336.9Cr	511.7Cr	571.8Cr	581.3Cr	590.4Cr
Income From Trading Activities	-	66Cr	19Cr	11Cr	25Cr
Gain (Loss) on Sale of Assets	-1.9Cr	-2Cr	10L	-1Cr	10L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	5.6Cr	-12Cr	-40L	-6.2Cr	2.4Cr
Income (Loss) on Equity Invest. (Income Block)	4.6Cr	6.4Cr	8.5Cr	4.7Cr	5.2Cr
Total Other Non Interest Income	215.9Cr	395.3Cr	310.2Cr	274.7Cr	289Cr
Non Interest Income, Total	224.2Cr	453.6Cr	337Cr	283.3Cr	322Cr
Revenues Before Provison For Loan Losses	561.1Cr	965.3Cr	908.8Cr	864.6Cr	912.4Cr
Provision For Loan Losses	30Cr	95Cr	39Cr	12Cr	14Cr
Total Revenues	531.6Cr	870.4Cr	869.5Cr	852.1Cr	898.3Cr
Salaries And Other Employee Benefits	157.9Cr	200.7Cr	220.7Cr	205.3Cr	234.1Cr
Occupancy Expense	41Cr	46Cr	48Cr	47Cr	51Cr
Selling General & Admin Expenses, Total	93Cr	101.1Cr	113.5Cr	116.1Cr	115Cr
Total Other Non Interest Expense	27Cr	41Cr	37Cr	34Cr	40Cr
Non Interest Expense, Total	319.1Cr	388.9Cr	418.8Cr	402.4Cr	439.9Cr
EBT, Excl. Unusual Items	212.5Cr	481.5Cr	450.7Cr	449.7Cr	458.4Cr
Restructuring Charges	-	-30L	-20L	-	-60L
Impairment of Goodwill	-20L	-6.8Cr	-	-	-
Asset Writedown	60L	-2Cr	-2.5Cr	70L	-50L
Legal Settlements	-33Cr	-51Cr	-88Cr	-149.7Cr	-191Cr
Other Unusual Items	-1.4Cr	-1.1Cr	-2.7Cr	-2.3Cr	-2.9Cr
EBT, Incl. Unusual Items	178.9Cr	420.3Cr	357.5Cr	298.4Cr	263.4Cr
Income Tax Expense	37Cr	86Cr	100Cr	95Cr	101.3Cr
Earnings From Continuing Operations	142.1Cr	334.4Cr	257.8Cr	203.1Cr	162.1Cr
Earnings Of Discontinued Operations	8.6Cr	45Cr	-	-67Cr	-
Net Income to Company	150.7Cr	379.7Cr	257.8Cr	135.8Cr	162.1Cr
Minority Interest	-14Cr	-17Cr	-19Cr	-20Cr	-25Cr
Net Income - (IS)	137.2Cr	362.7Cr	238.6Cr	115.7Cr	137.1Cr
Preferred Dividend and Other Adjustments	9.2Cr	9.2Cr	11Cr	11Cr	12Cr
Net Income to Common Incl Extra Items	128Cr	353.5Cr	227.7Cr	104.7Cr	125.3Cr
Net Income to Common Excl. Extra Items	119.4Cr	308.2Cr	227.7Cr	172Cr	125.3Cr
Per Share Items
Net EPS - Basic	3.89	10.74	6.94	3.19	3.82
Basic EPS - Continuing Operations	3.63	9.37	6.94	5.24	3.82
Basic Weighted Average Shares Outstanding	33Cr	33Cr	33Cr	33Cr	33Cr
Net EPS - Diluted	3.89	10.74	6.94	3.19	3.82
Diluted EPS - Continuing Operations	3.63	9.37	6.94	5.24	3.82
Diluted Weighted Average Shares Outstanding	33Cr	33Cr	33Cr	33Cr	33Cr
Normalized Basic EPS	3.63	8.63	8	7.96	7.97
Normalized Diluted EPS	3.63	8.63	8	7.96	7.97
Dividend Per Share	-	0.8	1.25	1.1	1.6
Payout Ratio	36.22	2.56	15.59	44.68	35.01
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	20.57	20.44	27.89	31.94	38.46
Current Domestic Taxes	2.3Cr	70L	1.6Cr	2.9Cr	2.6Cr
Current Foreign Taxes	37Cr	97Cr	96Cr	92Cr	97Cr
Total Current Taxes	39Cr	97Cr	98Cr	95Cr	99Cr
Total Deferred Taxes	-2.2Cr	-11Cr	2.1Cr	-	1.9Cr
Normalized Net Income	119.31Cr	283.94Cr	262.49Cr	260.96Cr	261.5Cr
Non-Cash Pension Expense	5Cr	5Cr	4.8Cr	3.9Cr	5Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.83TCr	5.37TCr	4.32TCr	3.41TCr	3.46TCr
Investment Securities, Total	2.21TCr	2.32TCr	3.01TCr	3.6TCr	4.42TCr
Trading Asset Securities, Total	432.6Cr	703.1Cr	653.2Cr	626.3Cr	789.2Cr
Total investments	2.64TCr	3.03TCr	3.66TCr	4.22TCr	5.21TCr
Gross Loans	12TCr	12TCr	12TCr	12TCr	12TCr
Allowance For Loan Losses	-255.9Cr	-297.3Cr	-288.9Cr	-275.8Cr	-220.5Cr
Other Adjustments to Gross Loans	-36Cr	-46Cr	-49Cr	-46Cr	-41Cr
Net Loans	12TCr	12TCr	11TCr	12TCr	12TCr
Gross Property Plant And Equipment	275.3Cr	280.5Cr	283.2Cr	288.5Cr	314.5Cr
Accumulated Depreciation	-141.9Cr	-151Cr	-157.2Cr	-158.8Cr	-175.2Cr
Net Property Plant And Equipment	133.4Cr	129.5Cr	126Cr	129.7Cr	139.3Cr
Goodwill	10Cr	4.4Cr	3.8Cr	3.8Cr	3.8Cr
Other Intangibles, Total	83Cr	86Cr	93Cr	96Cr	107Cr
Investment in Real Estate	31Cr	39Cr	41Cr	39Cr	34Cr
Other Receivables	7.3Cr	10Cr	6.9Cr	13Cr	12Cr
Restricted Cash	27Cr	2Cr	2Cr	80Cr	77Cr
Other Current Assets, Total	641.1Cr	54Cr	56Cr	101.2Cr	63Cr
Deferred Tax Assets Long-Term (Collected)	15Cr	27Cr	22Cr	22Cr	17Cr
Other Long-Term Assets, Total	51Cr	66Cr	74Cr	109.3Cr	78Cr
Total Assets	19TCr	21TCr	20TCr	20TCr	21TCr
Liabilities
Accrued Expenses, Total	24Cr	34Cr	35Cr	34Cr	41Cr
Interest Bearing Deposits	4.67TCr	4.89TCr	4.45TCr	4.31TCr	4.42TCr
Non-Interest Bearing Deposits	10TCr	11TCr	9.77TCr	9.31TCr	10TCr
Total Deposits	15TCr	16TCr	14TCr	14TCr	15TCr
Short-Term Borrowings	387.5Cr	822.6Cr	764.2Cr	851.4Cr	627.5Cr
Current Portion of Leases	30Cr	30Cr	30Cr	8.1Cr	8.5Cr
Long-Term Debt	1.2TCr	1.5TCr	1.84TCr	2.17TCr	2.17TCr
Long-Term Leases	12Cr	9.6Cr	7.5Cr	28Cr	28Cr
Current Income Taxes Payable	8.7Cr	18Cr	24Cr	22Cr	14Cr
Other Current Liabilities - (Bank / Utility Template)	880.8Cr	365.1Cr	508.4Cr	627.2Cr	829.7Cr
Unearned Revenue Non Current	51Cr	51Cr	56Cr	57Cr	55Cr
Pension & Other Post Retirement Benefits	25Cr	22Cr	23Cr	21Cr	18Cr
Deferred Tax Liability Non-Current	4.6Cr	3.6Cr	4.3Cr	5.3Cr	5.8Cr
Other Non Current Liabilities	233.3Cr	357.6Cr	323.4Cr	506.6Cr	441.9Cr
Total Liabilities	18TCr	19TCr	18TCr	18TCr	19TCr
Common Stock, Total	100.2Cr	100.2Cr	100.2Cr	100.2Cr	100.1Cr
Retained Earnings	1.01TCr	1.36TCr	1.56TCr	1.62TCr	1.71TCr
Comprehensive Income and Other	334.2Cr	299.8Cr	201.7Cr	186.5Cr	294.9Cr
Total Common Equity	1.45TCr	1.76TCr	1.86TCr	1.91TCr	2.11TCr
Minority Interest	101Cr	112.7Cr	123.1Cr	126Cr	138.6Cr
Total Equity	1.55TCr	1.88TCr	1.98TCr	2.03TCr	2.25TCr
Total Liabilities And Equity	19TCr	21TCr	20TCr	20TCr	21TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	33Cr	33Cr	33Cr	33Cr	33Cr
ECS Total Common Shares Outstanding	33Cr	33Cr	33Cr	33Cr	33Cr
Book Value / Share	44.02	48.8	51.8	52.67	59.26
Tangible Book Value	1.35TCr	1.67TCr	1.76TCr	1.81TCr	2TCr
Tangible Book Value Per Share	41.18	46.05	48.84	49.62	55.89
Total Debt	1.63TCr	2.36TCr	2.65TCr	3.06TCr	2.84TCr
Deposits at Interest - Cash	2.57TCr	3.3TCr	2.46TCr	1.85TCr	2.19TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	20Cr	18Cr	18Cr	17Cr	14Cr
Net Debt	-2.63TCr	-3.71TCr	-2.33TCr	-975.5Cr	-1.41TCr
Equity Method Investments, Total	97Cr	71Cr	82Cr	87Cr	94Cr
Full Time Employees	46.18T	44.41T	44.89T	40.94T	40.32T
Part Time Employees	-	-	-	2.63T	2.61T
Number Of Offices	1.77T	1.66T	1.52T	1.39T	1.32T
Assets on Operating Lease - Gross	18Cr	20Cr	22Cr	24Cr	29Cr
Assets on Operating Lease - Accumulated Depreciation	-9.7Cr	-10Cr	-11Cr	-12Cr	-13Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	137.2Cr	362.7Cr	238.6Cr	115.7Cr	137.1Cr
Depreciation, Depletion & Amortization	22Cr	24Cr	26Cr	22Cr	24Cr
Amortization of Goodwill and Intangible Assets - (CF)	80L	1.5Cr	1.7Cr	1.3Cr	1.4Cr
Total Depreciation, Depletion & Amortization	23Cr	26Cr	27Cr	23Cr	26Cr
Amortization of Deferred Charges, Total	18Cr	22Cr	23Cr	23Cr	26Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	1.3Cr	-1Cr	40L	-60L	60L
(Gain) Loss on Sale of Investments - (CF)	-70L	17Cr	5.7Cr	-8.8Cr	-40L
Total Asset Writedown	1.1Cr	-35Cr	11Cr	14Cr	-26Cr
Provision for Credit Losses	30Cr	78Cr	34Cr	21Cr	14Cr
(Income) Loss On Equity Investments - (CF)	-4.6Cr	-6.4Cr	-8.5Cr	-4.7Cr	-5.2Cr
Change in Trading Asset Securities	44Cr	225.4Cr	-121Cr	-145.1Cr	-168.9Cr
Change In Income Taxes	-	-	-	-	-
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	566Cr	1.3TCr	-553Cr	-288.6Cr	874.3Cr
Other Operating Activities	-35Cr	108Cr	147Cr	185.7Cr	30Cr
Cash from Operations	779.9Cr	2.1TCr	-196.7Cr	-64Cr	907.1Cr
Capital Expenditure	-45Cr	-48Cr	-59Cr	-50Cr	-55Cr
Sale of Property, Plant, and Equipment	5.8Cr	16Cr	18Cr	8.4Cr	9.3Cr
Cash Acquisitions	-13Cr	7Cr	-60L	-50L	-1.2Cr
Divestitures	-40L	3.1Cr	-	-96Cr	-
Investment in Marketable and Equity Securities, Total	-175.7Cr	-424.1Cr	-620Cr	-502Cr	-720.6Cr
Other Investing Activities, Total	-	-	-	10L	10L
Cash from Investing	-228.6Cr	-446.9Cr	-662.2Cr	-639.9Cr	-767.1Cr
Long-Term Debt Issued, Total	53Cr	52Cr	-	18Cr	8.4Cr
Total Debt Issued	53Cr	52Cr	-	18Cr	8.4Cr
Long-Term Debt Repaid, Total	-69Cr	-82Cr	-69Cr	-20Cr	-32Cr
Total Debt Repaid	-69Cr	-82Cr	-69Cr	-20Cr	-32Cr
Issuance of Common Stock	-	-	-	64Cr	-
Repurchase of Common Stock	-1.1Cr	-1.4Cr	-20L	-47Cr	-17Cr
Common Dividends Paid	-50Cr	-9.3Cr	-37Cr	-52Cr	-48Cr
Common & Preferred Stock Dividends Paid	-50Cr	-9.3Cr	-37Cr	-52Cr	-48Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	1Cr	-2.5Cr	-5.7Cr	-8.8Cr	-13Cr
Cash from Financing	-65Cr	-43Cr	-111.8Cr	-45Cr	-102.3Cr
Foreign Exchange Rate Adjustments	3.9Cr	-94Cr	-74Cr	-88Cr	9.2Cr
Miscellaneous Cash Flow Adjustments	-10L	-	-	-	-
Net Change in Cash	489.7Cr	1.51TCr	-1.04TCr	-836.5Cr	47Cr
Supplemental Items
Cash Interest Paid	120Cr	204.9Cr	408.6Cr	424.5Cr	355.8Cr
Cash Income Tax Paid (Refund)	33Cr	90Cr	83Cr	108.6Cr	101.1Cr
Net Debt Issued / Repaid	-16Cr	-30Cr	-69Cr	-1.5Cr	-24Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.79	1.68	1.27	1.02	0.79
Return On Equity %	9.55	19.53	13.35	10.11	7.57
Return on Common Equity	8.55	19.2	12.56	9.12	6.24
Shareholders Value Added	-30Cr	171.78Cr	23Cr	-109.19Cr	-102.07Cr
Margin Analysis
SG&A Margin	54.91	39.97	43.9	43.26	44.5
Net Interest Income / Total Revenues %	63.37	58.79	65.76	68.22	65.72
EBT Excl. Non-Recurring Items Margin %	39.97	55.32	51.83	52.78	51.03
Income From Continuing Operations Margin %	26.73	38.42	29.65	23.84	18.05
Net Income Margin %	25.81	41.67	27.44	13.58	15.26
Net Avail. For Common Margin %	22.46	35.41	26.19	20.19	13.95
Normalized Net Income Margin	22.44	32.62	30.19	30.63	29.11
Asset quality
Nonperforming Loans / Total Loans %	2.34	2.52	2.97	3.18	2.72
Nonperforming Loans / Total Assets %	1.47	1.49	1.76	1.92	1.56
Nonperforming Assets / Total Assets %	1.47	1.49	1.76	1.92	1.56
NPAs / Loans and OREO	2.34	2.52	2.97	3.18	2.72
NPAs / Equity	18.24	16.47	17.59	18.86	14.64
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	90.68	96.21	82.76	71.88	67.06
Allowance for Credit Losses / Total Loans %	2.13	2.43	2.46	2.28	1.82
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.8	8.04	8.95	9.47	9.79
Total Average Equity / Total Average Assets %	8.31	8.58	9.53	10.1	10.44
Total Equity + Allowance for Loan Losses / Total Loans %	14.14	16.84	18.3	18.07	19.26
Gross Loans / Total Deposits %	81.29	78.37	82.66	88.71	83.18
Net Loans / Total Deposits %	79.32	76.17	80.28	86.35	81.38
Tier 1 Capital Ratio %	15	17.7	19.1	19	19.6
Total Capital Ratio %	17.6	20.2	21.5	21.5	21.7
Core Tier 1 Capital Ratio	13.1	16	17.3	17.1	17.9
Tier 2 Capital Ratio	2.61	2.44	2.44	2.5	2.15
Coverage Ratio	94.46	100.1	83.91	74.97	71.2
Interbank Ratio	65.16	100.75	122.19	120.33	117.81
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.41	2.91	1.73	1.63	1.67
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	7.22	51.88	11.75	3.23	1.57
Non Interest Income, 1 Yr. Growth %	19.45	102.32	-25.71	-12.05	13.66
Provision For Loan Losses, 1 Yr. Growth %	-50.67	221.69	-58.59	-68.03	12.8
Total Revenues, 1 Yr. Growth %	20.24	63.73	-0.1	0.71	5.42
Earnings From Cont. Operations, 1 Yr. Growth %	64.85	135.33	-22.91	-17.24	-20.19
Net Income, 1 Yr. Growth %	70.65	164.36	-34.22	-51.51	18.5
Normalized Net Income, 1 Yr. Growth %	64.51	137.11	-7.55	3.43	0.21
Diluted EPS Before Extra, 1 Yr. Growth %	75.33	158.12	-25.89	-20.11	-27.15
Dividend Per Share, 1 Yr. Growth %	-	-	56.25	-12	45.45
Gross Loans, 1 Yr. Growth %	14.09	1.67	-3.96	2.81	0.07
Allowance For Loan Losses, 1 Yr. Growth %	0.16	16.18	-2.83	-4.53	-20.05
Net Loans, 1 Yr. Growth %	14.45	1.28	-4.04	3.03	0.58
Non Performing Loans, 1 Yr. Growth %	-0.63	9.5	12.98	9.91	-14.31
Non Performing Assets, 1 Yr. Growth %	-0.63	9.5	12.98	9.91	-14.31
Total Assets, 1 Yr. Growth %	15.75	7.79	-4.26	0.81	5.21
Total Deposits, 1 Yr Growth %	13.44	5.46	-8.94	-4.21	6.72
Tangible Book Value, 1 Yr. Growth %	6.51	23.66	5.47	2.42	10.47
Average Interest Earning Assets, 1 Yr. Growth %	12.93	17.89	1.67	-0.94	2.46
Common Equity, 1 Yr. Growth %	7.4	21.93	5.57	2.48	10.47
Total Equity, 1 Yr. Growth %	8.31	21.25	5.79	2.47	10.44
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.09	27.62	30.28	6.58	2.4
Non Interest Income, 2 Yr. CAGR %	4.5	55.45	22.6	-20.97	-0.02
Provision For Loan Losses, 2 Yr. CAGR %	12.29	25.97	15.42	-63.71	-39.95
Total Revenues, 2 Yr. CAGR %	0.51	40.31	27.89	-1.06	3.04
Earnings From Cont. Operations, 2 Yr. CAGR %	2.05	96.96	34.69	-22.07	-18.73
Net Income, 2 Yr. CAGR %	5.74	112.4	31.87	-43.52	-24.2
Normalized Net Income, 2 Yr. CAGR %	5.69	97.86	48.05	-4.13	1.81
Diluted EPS Before Extra, 2 Yr. CAGR %	1.19	112.74	38.31	-25.18	-23.71
Dividend Per Share, 2 Yr. CAGR %	-	29.1	-	17.26	13.14
Gross Loans, 2 Yr. CAGR %	7.95	7.7	-1.19	-0.64	1.43
Allowance For Loan Losses, 2 Yr. CAGR %	5.16	7.87	6.25	-3.68	-12.64
Net Loans, 2 Yr. CAGR %	8.03	7.66	-1.42	-0.57	1.8
Non Performing Loans, 2 Yr. CAGR %	-1.99	4.31	11.22	11.43	-2.95
Non Performing Assets, 2 Yr. CAGR %	-1.99	4.31	11.22	11.43	-2.95
Total Assets, 2 Yr. CAGR %	12.35	11.7	1.59	-1.76	2.99
Total Deposits, 2 Yr CAGR %	11.66	9.38	-2.01	-6.61	1.11
Tangible Book Value, 2 Yr. CAGR %	5.33	14.77	14.2	3.94	6.37
Average Interest Earning Assets, 2 Yr. CAGR %	8.64	15.38	9.48	-0.18	0.74
Common Equity, 2 Yr. CAGR %	5.67	14.44	13.45	4.01	6.4
Total Equity, 2 Yr. CAGR %	6.03	14.6	13.26	4.11	6.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.43	14.12	22.09	19.94	4.88
Non Interest Income, 3 Yr. CAGR %	7.37	30.24	21.54	8.11	-10.79
Provision For Loan Losses, 3 Yr. CAGR %	21.2	59.48	-13.06	-24.89	-47.04
Total Revenues, 3 Yr. CAGR %	1.67	18.26	25.29	17.03	1.06
Earnings From Cont. Operations, 3 Yr. CAGR %	0.55	34.82	44.08	12.64	-21.45
Net Income, 3 Yr. CAGR %	2.61	43.51	43.7	-5.52	-27.7
Normalized Net Income, 3 Yr. CAGR %	6.75	38.52	53.53	29.65	-2.71
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.46	38.26	49.69	13.05	-25.84
Dividend Per Share, 3 Yr. CAGR %	-	-	37.58	-	25.99
Gross Loans, 3 Yr. CAGR %	9.69	5.82	3.66	0.13	-0.4
Allowance For Loan Losses, 3 Yr. CAGR %	-	8.71	4.18	2.53	-9.48
Net Loans, 3 Yr. CAGR %	8.93	5.73	3.61	0.04	-0.18
Non Performing Loans, 3 Yr. CAGR %	-6.02	1.7	7.12	10.78	2.09
Non Performing Assets, 3 Yr. CAGR %	-6.02	1.7	7.12	10.78	2.09
Total Assets, 3 Yr. CAGR %	11.09	10.8	6.1	1.33	0.51
Total Deposits, 3 Yr CAGR %	10.37	9.56	2.89	-2.75	-2.36
Tangible Book Value, 3 Yr. CAGR %	7.09	11.12	11.58	10.13	6.07
Average Interest Earning Assets, 3 Yr. CAGR %	7.18	11.64	10.62	5.51	0.69
Common Equity, 3 Yr. CAGR %	7.29	10.83	11.4	9.67	6.12
Total Equity, 3 Yr. CAGR %	7.63	10.88	11.58	9.54	6.18
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.79	9.44	10.87	11.04	13.45
Non Interest Income, 5 Yr. CAGR %	5.78	19.56	13.22	6.65	11.4
Provision For Loan Losses, 5 Yr. CAGR %	-17.12	24.91	18.86	-11.78	-25.1
Total Revenues, 5 Yr. CAGR %	6.53	12.62	11.44	10.12	15.23
Earnings From Cont. Operations, 5 Yr. CAGR %	19.89	21.83	13.02	8.28	13.46
Net Income, 5 Yr. CAGR %	24.26	26.58	13.44	-1.17	11.26
Normalized Net Income, 5 Yr. CAGR %	20.76	25.96	21.76	19.56	29.24
Diluted EPS Before Extra, 5 Yr. CAGR %	18.04	22.92	13.54	8.15	13.04
Dividend Per Share, 5 Yr. CAGR %	-	5.23	6.09	-	27.23
Gross Loans, 5 Yr. CAGR %	8.35	6.7	5.21	3.19	2.76
Allowance For Loan Losses, 5 Yr. CAGR %	-12.38	-	-	3.57	-2.9
Net Loans, 5 Yr. CAGR %	9.25	6.1	4.67	3.17	2.88
Non Performing Loans, 5 Yr. CAGR %	-15.33	-8.88	0.53	5.48	2.97
Non Performing Assets, 5 Yr. CAGR %	-15.33	-8.88	0.53	5.48	2.97
Total Assets, 5 Yr. CAGR %	11.42	8.91	7.19	5.6	4.85
Total Deposits, 5 Yr CAGR %	12.88	7.86	5.24	2.78	2.18
Tangible Book Value, 5 Yr. CAGR %	10.94	11.16	9.88	8.19	9.47
Average Interest Earning Assets, 5 Yr. CAGR %	-	8.4	8.09	6.75	6.33
Common Equity, 5 Yr. CAGR %	10.83	10.76	9.71	8.05	9.37
Total Equity, 5 Yr. CAGR %	10.88	10.79	9.84	8.12	9.47