Cash flow Sberbank of Russia

Stocks

SBER

RU0009029540

Banks

End-of-day quote Moscow Micex - RTS Other stock markets 08/07/2022			5-day change	1st Jan Change
133.30 ^RUB	+0.16%		-.--%	-

29/07	Russia's Sberbank may raise reserves after Wildberries attacks hit borrowers	RE
29/07	Russia's Sberbank says it has developed loan restructuring programme for Wildberries vendors	RE

2b4ac1f1c8.aXC62wiR5L7pbLSq_afty1Y_SLrOyKzWXkKwXskhtxY.IRzRlTz93Y2EGcbiksiCkydVAeKE_OaVOwDnZpBs3nQ_EeyhesuC6b4q9Q

Published financial data: SBERBANK OF RUSSIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2,57700Cr	3,46200Cr	4,21800Cr	6,85700Cr	8,65200Cr
Interest Income On Investments	15TCr	22TCr	29TCr	65TCr	99TCr
Interest Income, Total	2,73100Cr	3,67700Cr	4,50500Cr	7,50400Cr	9,64600Cr
Interest On Deposits	82TCr	1,64300Cr	1,77200Cr	4,18600Cr	5,66200Cr
Total Interest On Borrowings	3.13TCr	7.03TCr	6.39TCr	18TCr	27TCr
Interest Expense, Total	85TCr	1,71400Cr	1,83600Cr	4,36800Cr	5,93400Cr
Net Interest Income	1,88000Cr	1,96400Cr	2,67000Cr	3,13600Cr	3,71200Cr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	370Cr	40Cr	540Cr	240Cr	480Cr
Income (Loss) on Equity Invest. (Income Block)	-1.38TCr	-	-	-	-10Cr
Total Other Non Interest Income	70TCr	19TCr	62TCr	57TCr	69TCr
Non Interest Income, Total	69TCr	19TCr	63TCr	57TCr	69TCr
Revenues Before Provison For Loan Losses	2,57200Cr	2,15000Cr	3,29600Cr	3,70600Cr	4,40500Cr
Provision For Loan Losses	14TCr	45TCr	24TCr	44TCr	65TCr
Total Revenues	2,43000Cr	1,70000Cr	3,06100Cr	3,26400Cr	3,75800Cr
Stock-Based Compensation (IS)	-	-	-	-	-
Federal Deposit Insurance	7.81TCr	8.87TCr	11TCr	14TCr	16TCr
Selling General & Admin Expenses, Total	83TCr	82TCr	92TCr	1,05600Cr	1,23000Cr
Total Other Non Interest Expense	3.36TCr	-	-	710Cr	730Cr
Non Interest Expense, Total	94TCr	91TCr	1,03000Cr	1,19900Cr	1,39300Cr
EBT, Excl. Unusual Items	1,49200Cr	79TCr	2,03200Cr	2,06500Cr	2,36500Cr
Total Merger & Related Restructuring Charges	-460Cr	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-1.27TCr	-22TCr	-4.68TCr	-3.01TCr	-12TCr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1,47500Cr	56TCr	1,98500Cr	2,03500Cr	2,25000Cr
Income Tax Expense	29TCr	15TCr	48TCr	45TCr	54TCr
Earnings From Continuing Operations	1,18100Cr	41TCr	1,50900Cr	1,58000Cr	1,70600Cr
Earnings Of Discontinued Operations	6.5TCr	-14TCr	-	-	-
Net Income to Company	1,24600Cr	27TCr	1,50900Cr	1,58000Cr	1,70600Cr
Minority Interest	480Cr	460Cr	320Cr	130Cr	150Cr
Net Income - (IS)	1,25100Cr	28TCr	1,51200Cr	1,58200Cr	1,70700Cr
Preferred Dividend and Other Adjustments	2.78TCr	970Cr	3.39TCr	4.2TCr	4.33TCr
Net Income to Common Incl Extra Items	1,22300Cr	27TCr	1,47800Cr	1,54000Cr	1,66400Cr
Net Income to Common Excl. Extra Items	1,15800Cr	41TCr	1,47800Cr	1,54000Cr	1,66400Cr
Per Share Items
Net EPS - Basic	56.88	12.4	69.06	71.94	77.76
Basic EPS - Continuing Operations	53.86	19.1	69.06	71.94	77.76
Basic Weighted Average Shares Outstanding	2.15TCr	2.14TCr	2.14TCr	2.14TCr	2.14TCr
Net EPS - Diluted	56.88	12.4	69.06	71.94	77.76
Diluted EPS - Continuing Operations	53.86	19.1	69.06	71.94	77.76
Diluted Weighted Average Shares Outstanding	2.15TCr	2.14TCr	2.14TCr	2.14TCr	2.14TCr
Normalized Basic EPS	43.59	23.26	59.48	60.36	69.15
Normalized Diluted EPS	43.59	23.26	59.48	60.36	69.15
Dividend Per Share	-	25	33.3	34.8	37.64
Payout Ratio	34.31	-	-	-	43.21
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	19.92	26.72	23.99	22.33	24.18
Total Current Taxes	30TCr	-	-	31TCr	63TCr
Total Deferred Taxes	-230Cr	-	-	15TCr	-8.97TCr
Normalized Net Income	94TCr	50TCr	1,27300Cr	1,29200Cr	1,48000Cr
Non-Cash Pension Expense	220Cr	-	-	-	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	300Cr	-	-	1.8TCr	2.31TCr
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	300Cr	-	-	1.8TCr	2.31TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2,32700Cr	1,39200Cr	2,38700Cr	2,23000Cr	3,83000Cr
Investment Securities, Total	6,05300Cr	7,48200Cr	8,22200Cr	9,86700Cr	10,08600Cr
Trading Asset Securities, Total	1,00200Cr	-	-	1,40300Cr	2,21900Cr
Mortgage Backed Securities	9.82TCr	-	-	21TCr	97TCr
Total investments	7,15300Cr	7,48200Cr	8,22200Cr	11,48100Cr	13,27500Cr
Gross Loans	28,75900Cr	31,03800Cr	39,38100Cr	46,22700Cr	50,59400Cr
Allowance For Loan Losses	-1,44100Cr	-1,66400Cr	-1,82300Cr	-2,16300Cr	-2,50600Cr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	27,31800Cr	29,37300Cr	37,55800Cr	44,06400Cr	48,08800Cr
Gross Property Plant And Equipment	1,18800Cr	-	-	1,73200Cr	2,06000Cr
Accumulated Depreciation	-36TCr	-	-	-53TCr	-66TCr
Net Property Plant And Equipment	83TCr	82TCr	1,00300Cr	1,20400Cr	1,39700Cr
Goodwill	5.28TCr	-	-	5.17TCr	5.44TCr
Other Intangibles, Total	24TCr	-	-	48TCr	67TCr
Investment in Real Estate	2.37TCr	-	-	4.81TCr	5.23TCr
Other Receivables	7.59TCr	1,26800Cr	1,15300Cr	15TCr	16TCr
Restricted Cash	27TCr	4.69TCr	7.71TCr	15TCr	17TCr
Other Current Assets, Total	98TCr	-	-	54TCr	55TCr
Deferred Tax Assets Long-Term (Collected)	3.52TCr	15TCr	13TCr	12TCr	12TCr
Other Long-Term Assets, Total	1,86300Cr	1,34500Cr	1,77400Cr	34TCr	45TCr
Total Assets	41,16600Cr	41,87200Cr	52,30700Cr	60,85500Cr	68,81400Cr
Liabilities
Accrued Expenses, Total	6.14TCr	-	-	12TCr	13TCr
Interest Bearing Deposits	27,56100Cr	28,96600Cr	34,58200Cr	45,60100Cr	49,00900Cr
Total Deposits	27,56100Cr	28,96600Cr	34,58200Cr	45,60100Cr	49,00900Cr
Short-Term Borrowings	2,33500Cr	1,10200Cr	2,38100Cr	3,07500Cr	6,00300Cr
Current Portion of Long-Term Debt	38TCr	-	-	30TCr	37TCr
Long-Term Debt	2,38400Cr	3,82100Cr	6,02400Cr	1,20600Cr	1,09800Cr
Long-Term Leases	8.82TCr	-	-	17TCr	24TCr
Current Income Taxes Payable	360Cr	-	-	1.9TCr	8.89TCr
Other Current Liabilities - (Bank / Utility Template)	81TCr	-	-	31TCr	35TCr
Unearned Revenue Non Current	2.93TCr	-	-	1.97TCr	2.83TCr
Pension & Other Post Retirement Benefits	6.47TCr	-	-	11TCr	12TCr
Deferred Tax Liability Non-Current	2.99TCr	1.39TCr	2.15TCr	3.68TCr	4.15TCr
Other Non Current Liabilities	1,77000Cr	2,15300Cr	2,71400Cr	2,71500Cr	2,97400Cr
Total Liabilities	35,52100Cr	36,05700Cr	45,72300Cr	53,68200Cr	60,46800Cr
Preferred Stock Non Redeemable	300Cr	-	-	300Cr	300Cr
Preferred Stock - Others	-200Cr	-	-	-190Cr	-190Cr
Total Preferred Equity	100Cr	-	-	110Cr	110Cr
Common Stock, Total	6.48TCr	32TCr	32TCr	6.48TCr	6.48TCr
Additional Paid In Capital	23TCr	-	-	23TCr	23TCr
Retained Earnings	5,20000Cr	5,45400Cr	6,34900Cr	7,18200Cr	8,10800Cr
Treasury Stock	-2.99TCr	-11TCr	-23TCr	-3.08TCr	-4.15TCr
Comprehensive Income and Other	17TCr	15TCr	15TCr	-27TCr	-1.33TCr
Total Common Equity	5,63800Cr	5,81500Cr	6,58400Cr	7,17500Cr	8,35000Cr
Minority Interest	590Cr	10Cr	40Cr	-220Cr	-510Cr
Total Equity	5,64400Cr	5,81500Cr	6,58400Cr	7,17400Cr	8,34600Cr
Total Liabilities And Equity	41,16600Cr	41,87200Cr	52,30700Cr	60,85500Cr	68,81400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.25TCr	2.14TCr	2.14TCr	2.14TCr	2.14TCr
ECS Total Common Shares Outstanding	2.25TCr	2.14TCr	2.14TCr	2.14TCr	2.14TCr
Book Value / Share	244.36	264.71	300.65	328.19	383.42
Tangible Book Value	5,34700Cr	5,81500Cr	6,58400Cr	6,64400Cr	7,62600Cr
Tangible Book Value Per Share	231.42	264.71	300.65	303.39	349.55
Average Loans	-	27,92900Cr	-	-	-
Total Debt	5,18600Cr	4,92400Cr	8,40500Cr	4,75200Cr	7,72000Cr
Deposits at Interest - Cash	55TCr	-	-	34TCr	38TCr
Net Debt	24TCr	3,53100Cr	6,01800Cr	-2,95300Cr	-4,38900Cr
Equity Method Investments, Total	17TCr	-	-	5.79TCr	6.82TCr
Full Time Employees	3L	2L	-	3L	3L
Part Time Employees	-	1.22T	-	-	-
Number Of Offices	13.65T	12.62T	-	11.6T	10.71T
Assets on Operating Lease - Gross	11TCr	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-2.2TCr	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1,25100Cr	-	-	-	1,70700Cr
Depreciation, Depletion & Amortization	10TCr	-	-	-	14TCr
Amortization of Goodwill and Intangible Assets - (CF)	4.17TCr	-	-	-	15TCr
Total Depreciation, Depletion & Amortization	14TCr	-	-	-	30TCr
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-4,14400Cr	-	-	-	-4,83500Cr
Other Operating Activities	45TCr	-	-	-	29TCr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-2,29900Cr	-	-	-	-2,53800Cr
Capital Expenditure	-30TCr	-	-	-	-55TCr
Sale of Property, Plant, and Equipment	1.92TCr	-	-	-	940Cr
Cash Acquisitions	-2.36TCr	-	-	-	-230Cr
Divestitures	220Cr	-	-	-	20Cr
Sale (Purchase) of Real Estate Properties (Collected)	50Cr	-	-	-	-40Cr
Investment in Marketable and Equity Securities, Total	-4.01TCr	-	-	-	-340Cr
Other Investing Activities, Total	12TCr	-	-	-	-
Cash from Investing	-22TCr	-	-	-	-55TCr
Long-Term Debt Issued, Total	7.61TCr	-	-	-	9.42TCr
Total Debt Issued	7.61TCr	-	-	-	9.42TCr
Long-Term Debt Repaid, Total	-3.08TCr	-	-	-	-5.07TCr
Total Debt Repaid	-3.08TCr	-	-	-	-5.07TCr
Issuance of Common Stock	28TCr	-	-	-	22TCr
Repurchase of Common Stock	-29TCr	-	-	-	-23TCr
Common Dividends Paid	-41TCr	-	-	-	-70TCr
Preferred Dividends Paid	-1.81TCr	-	-	-	-3.3TCr
Common & Preferred Stock Dividends Paid	-43TCr	-	-	-	-74TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	3,09600Cr	-	-	-	5,53400Cr
Other Financing Activities, Total	-360Cr	-	-	-	-330Cr
Cash from Financing	2,69500Cr	-	-	-	4,82700Cr
Foreign Exchange Rate Adjustments	-3.53TCr	-	-	-	-5.65TCr
Miscellaneous Cash Flow Adjustments	-20Cr	-	-	-	-
Net Change in Cash	14TCr	-	-	-	1,68600Cr
Supplemental Items
Cash Interest Paid	80TCr	-	-	-	6,04700Cr
Cash Income Tax Paid (Refund)	34TCr	-	-	-	55TCr
Net Debt Issued / Repaid	4.53TCr	-	-	-	4.35TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.06	1	3.2	2.79	2.63
Return On Equity %	22.09	7.22	24.41	22.97	21.98
Return on Common Equity	21.68	7.14	23.91	22.38	21.44
Shareholders Value Added	65TCr	-	-	-	93TCr
Margin Analysis
SG&A Margin	32.07	48.36	30.2	30.77	31.31
Net Interest Income / Total Revenues %	77.35	115.51	87.22	96.09	98.76
EBT Excl. Non-Recurring Items Margin %	61.38	46.43	66.37	63.26	62.93
Income From Continuing Operations Margin %	48.59	24.34	49.28	48.42	45.39
Net Income Margin %	51.46	16.18	49.39	48.46	45.43
Net Avail. For Common Margin %	47.64	24.04	48.28	47.17	44.28
Normalized Net Income Margin	38.56	29.29	41.58	39.58	39.37
Asset quality
Nonperforming Loans / Total Loans %	2.85	2.64	2.17	2.51	3.28
Nonperforming Loans / Total Assets %	1.99	1.96	1.63	1.9	2.42
Nonperforming Assets / Total Assets %	1.99	1.96	1.63	1.9	2.42
NPAs / Loans and OREO	2.85	2.64	2.17	2.51	3.28
NPAs / Equity	14.51	14.11	12.97	16.15	19.91
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	175.92	202.82	213.52	186.66	150.82
Allowance for Credit Losses / Total Loans %	5.01	5.36	4.63	4.68	4.95
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.84	13.79	13.13	12.16	11.97
Total Average Equity / Total Average Assets %	13.85	13.8	13.13	12.16	11.97
Total Equity + Allowance for Loan Losses / Total Loans %	24.62	24.1	21.35	20.2	21.46
Gross Loans / Total Deposits %	104.34	107.15	113.88	101.37	103.24
Net Loans / Total Deposits %	99.12	101.41	108.61	96.63	98.12
Tier 1 Capital Ratio %	14.3	15.2	13.5	12.4	13.2
Total Capital Ratio %	14.8	15.7	14	12.8	14.1
Core Tier 1 Capital Ratio	13.9	14.8	13.2	12.1	13
Tier 2 Capital Ratio	0.5	-	-	0.42	0.86
Coverage Ratio	100.72	146.26	145.71	137.12	111.81
Interbank Ratio	86.53	48.76	23.26	65.85	35.04
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	48.11	9.03	32.06	12.15	9.29
EBT + Interest Expense / Interest Expense	2.73	1.33	2.08	1.47	1.38
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	13.77	6.9	35.97	17.47	18.36
Non Interest Income, 1 Yr. Growth %	26.15	-73.78	472.85	-5.73	21.52
Provision For Loan Losses, 1 Yr. Growth %	-63.51	224.51	-47.75	88.11	46.03
Total Revenues, 1 Yr. Growth %	34.08	-29.44	88.67	7.38	15.16
Earnings From Cont. Operations, 1 Yr. Growth %	50.86	-64.51	249.94	4.75	7.95
Net Income, 1 Yr. Growth %	64.33	-78	417.03	4.62	7.95
Normalized Net Income, 1 Yr. Growth %	48.21	-47.08	149.97	2.56	14.56
Diluted EPS Before Extra, 1 Yr. Growth %	52.36	-64.07	246.92	4.17	8.09
Dividend Per Share, 1 Yr. Growth %	-	-	33.2	4.5	8.16
Gross Loans, 1 Yr. Growth %	14.14	8.84	26.88	16.5	9.45
Allowance For Loan Losses, 1 Yr. Growth %	-12.01	17.03	9.55	8.74	15.88
Net Loans, 1 Yr. Growth %	15.96	8.41	27.86	16.91	9.13
Non Performing Loans, 1 Yr. Growth %	-23.66	0.17	4.06	35.72	43.42
Non Performing Assets, 1 Yr. Growth %	-23.66	0.17	4.06	35.72	43.42
Total Assets, 1 Yr. Growth %	14.3	1.72	24.95	16.34	13.08
Total Deposits, 1 Yr Growth %	7.98	6.21	19.39	26.28	7.46
Tangible Book Value, 1 Yr. Growth %	10.28	3.12	13.97	7.23	14.79
Common Equity, 1 Yr. Growth %	11.75	3.12	13.97	8.99	16.39
Total Equity, 1 Yr. Growth %	11.85	3.02	13.98	8.95	16.35
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	11.92	9	20.56	26.38	17.91
Non Interest Income, 2 Yr. CAGR %	12.45	-41.7	-6.14	128.36	7.03
Provision For Loan Losses, 2 Yr. CAGR %	23.75	7.62	30.28	-0.86	65.74
Total Revenues, 2 Yr. CAGR %	11.48	-3.16	12.72	41.83	11.2
Earnings From Cont. Operations, 2 Yr. CAGR %	13.62	-27.29	13.75	91.46	6.34
Net Income, 2 Yr. CAGR %	21.67	-39.88	9.94	132.57	6.27
Normalized Net Income, 2 Yr. CAGR %	14.41	-11.27	16.32	59.27	8.4
Diluted EPS Before Extra, 2 Yr. CAGR %	13.48	-26.5	13.98	90.11	6.11
Dividend Per Share, 2 Yr. CAGR %	-	15.62	-	17.98	6.32
Gross Loans, 2 Yr. CAGR %	14.54	10.99	17.51	22.04	12.92
Allowance For Loan Losses, 2 Yr. CAGR %	1.58	0.81	13.23	14.01	12.25
Net Loans, 2 Yr. CAGR %	15.37	11.66	17.73	22.48	12.95
Non Performing Loans, 2 Yr. CAGR %	-6.56	-12.55	2.1	18.84	39.52
Non Performing Assets, 2 Yr. CAGR %	-6.56	-12.55	2.1	18.84	39.52
Total Assets, 2 Yr. CAGR %	17.22	7.82	12.72	20.57	14.7
Total Deposits, 2 Yr CAGR %	12.92	6.53	12.61	25.47	16.5
Tangible Book Value, 2 Yr. CAGR %	11.05	9.51	8.06	7.24	10.94
Common Equity, 2 Yr. CAGR %	12.22	7.36	8.06	11.44	12.63
Total Equity, 2 Yr. CAGR %	12.16	7.34	8.01	11.44	12.59
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.55	9.37	17.34	19.52	23.65
Non Interest Income, 3 Yr. CAGR %	18.14	-30.16	4.53	-7.09	85.06
Provision For Loan Losses, 3 Yr. CAGR %	13.57	69.39	-15.39	47.25	12.8
Total Revenues, 3 Yr. CAGR %	10.67	-4.57	19.08	10.65	32.32
Earnings From Cont. Operations, 3 Yr. CAGR %	12.42	-23.24	24.44	10.67	58.17
Net Income, 3 Yr. CAGR %	14.51	-31.2	25.7	8.14	80.07
Normalized Net Income, 3 Yr. CAGR %	12.21	-11.41	26.26	11.15	42.7
Diluted EPS Before Extra, 3 Yr. CAGR %	12.16	-22.99	25.01	10.61	57.49
Dividend Per Share, 3 Yr. CAGR %	-	10.16	21.21	-	14.61
Gross Loans, 3 Yr. CAGR %	10.62	12.29	16.05	17.47	17.69
Allowance For Loan Losses, 3 Yr. CAGR %	-1.49	6.02	3.64	15.01	14.63
Net Loans, 3 Yr. CAGR %	11.44	12.69	16.82	17.6	17.86
Non Performing Loans, 3 Yr. CAGR %	1.14	-4.37	-7.33	12.26	26.52
Non Performing Assets, 3 Yr. CAGR %	1.14	-4.37	-7.33	12.26	26.52
Total Assets, 3 Yr. CAGR %	9.68	11.8	13.25	13.92	18.02
Total Deposits, 3 Yr CAGR %	9.64	10.25	10.65	18.69	19.16
Tangible Book Value, 3 Yr. CAGR %	12.3	10.28	10.74	5.62	9.7
Common Equity, 3 Yr. CAGR %	13.55	9.11	9.28	8.36	13.07
Total Equity, 3 Yr. CAGR %	13.55	9.03	9.27	8.32	13.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.89	6.94	12.67	15.88	17.57
Non Interest Income, 5 Yr. CAGR %	13.78	-16.67	8.34	0.83	4.79
Provision For Loan Losses, 5 Yr. CAGR %	-16.16	11.28	19.45	36.75	10.72
Total Revenues, 5 Yr. CAGR %	11.15	1.16	11.29	10.78	15.7
Earnings From Cont. Operations, 5 Yr. CAGR %	16.86	-10.38	12.66	11.55	16.86
Net Income, 5 Yr. CAGR %	18.27	-18.18	12.66	13.36	17.54
Normalized Net Income, 5 Yr. CAGR %	16.4	-3.01	13.92	12.53	18.54
Diluted EPS Before Extra, 5 Yr. CAGR %	16.54	-10.41	12.59	11.46	17.08
Dividend Per Share, 5 Yr. CAGR %	-	15.81	15.79	13.23	15.02
Gross Loans, 5 Yr. CAGR %	8.8	9.19	13.14	16.09	14.96
Allowance For Loan Losses, 5 Yr. CAGR %	2.03	3.38	3.87	9.14	8.89
Net Loans, 5 Yr. CAGR %	9.34	9.59	13.73	16.51	15.34
Non Performing Loans, 5 Yr. CAGR %	-0.23	-0.38	1.52	4.32	9.14
Non Performing Assets, 5 Yr. CAGR %	-0.23	-0.38	1.52	4.32	9.14
Total Assets, 5 Yr. CAGR %	10.17	9.08	10.89	15.23	13.82
Total Deposits, 5 Yr CAGR %	7.96	7.83	10.59	16.1	13.94
Tangible Book Value, 5 Yr. CAGR %	14.46	11.69	11.77	8.91	9.48
Common Equity, 5 Yr. CAGR %	14.89	11.12	11.32	9.89	10.6
Total Equity, 5 Yr. CAGR %	14.88	11.1	11.3	9.84	10.59