Cash flow Standard Bank Group Limited

Stocks

SBK

ZAE000109815

Banks

End-of-day quote Johannesburg S.E. Other stock markets 10/06/2026			5-day change	1st Jan Change
311.28 ^ZAR	-0.84%		+2.26%	+7.19%

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Published financial data: STANDARD BANK GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	10TCr	14TCr	19TCr	21TCr	21TCr
Interest Income On Investments	-	-	296.7Cr	337.9Cr	486.6Cr
Interest Income, Total	10TCr	14TCr	20TCr	21TCr	21TCr
Interest On Deposits	3.68TCr	5.65TCr	9.51TCr	11TCr	10TCr
Interest Expense, Total	3.68TCr	5.65TCr	9.51TCr	11TCr	10TCr
Net Interest Income	6.4TCr	7.91TCr	10TCr	10TCr	11TCr
Trust Income	221Cr	269.8Cr	-	-	-
Income From Trading Activities	1.48TCr	1.7TCr	2.06TCr	2.12TCr	2.32TCr
Gain (Loss) on Sale of Assets	-8.4Cr	-1.1Cr	6.3Cr	-3.5Cr	5.9Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-19Cr	24Cr	2.37TCr	2.98TCr	4.65TCr
Total Other Non Interest Income	5.22TCr	5.79TCr	3.21TCr	2.59TCr	1.44TCr
Non Interest Income, Total	6.9TCr	7.79TCr	7.65TCr	7.68TCr	8.42TCr
Revenues Before Provison For Loan Losses	13TCr	16TCr	18TCr	18TCr	19TCr
Provision For Loan Losses	987.3Cr	1.21TCr	1.63TCr	1.52TCr	1.43TCr
Total Revenues	12TCr	14TCr	16TCr	17TCr	18TCr
Stock-Based Compensation (IS)	192.7Cr	263.2Cr	-	-	-
Selling General & Admin Expenses, Total	396.4Cr	447.8Cr	227.8Cr	619.6Cr	575Cr
(Income) Loss on Equity Invest.	-109.4Cr	-226.5Cr	-164.8Cr	-148.4Cr	-222Cr
Total Other Non Interest Expense	7.98TCr	8.89TCr	9.58TCr	9.32TCr	9.82TCr
Non Interest Expense, Total	8.46TCr	9.37TCr	9.65TCr	9.79TCr	10TCr
EBT, Excl. Unusual Items	3.85TCr	5.13TCr	6.49TCr	6.84TCr	7.87TCr
Impairment of Goodwill	-1.4Cr	-	-	-60L	-
Asset Writedown	-29Cr	13Cr	146.3Cr	-70Cr	-14Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	3.82TCr	5.14TCr	6.64TCr	6.77TCr	7.86TCr
Income Tax Expense	1.01TCr	1.2TCr	1.61TCr	1.75TCr	2.19TCr
Earnings From Continuing Operations	2.81TCr	3.94TCr	5.03TCr	5.02TCr	5.67TCr
Net Income to Company	2.81TCr	3.94TCr	5.03TCr	5.02TCr	5.67TCr
Minority Interest	-236.9Cr	-374.7Cr	-433Cr	-436.6Cr	-545.1Cr
Net Income - (IS)	2.57TCr	3.56TCr	4.6TCr	4.58TCr	5.12TCr
Preferred Dividend and Other Adjustments	82Cr	100Cr	176.2Cr	209.1Cr	211.5Cr
Net Income to Common Incl Extra Items	2.49TCr	3.46TCr	4.42TCr	4.37TCr	4.91TCr
Net Income to Common Excl. Extra Items	2.49TCr	3.46TCr	4.42TCr	4.37TCr	4.91TCr
Per Share Items
Net EPS - Basic	15.63	21.11	26.67	26.44	30.19
Basic EPS - Continuing Operations	15.63	21.11	26.67	26.44	30.19
Basic Weighted Average Shares Outstanding	159.06Cr	164.09Cr	165.8Cr	165.38Cr	162.63Cr
Net EPS - Diluted	15.55	20.96	26.35	26.18	29.88
Diluted EPS - Continuing Operations	15.55	20.96	26.35	26.18	29.88
Diluted Weighted Average Shares Outstanding	159.9Cr	165.29Cr	167.79Cr	167.03Cr	164.35Cr
Normalized Basic EPS	13.64	17.24	21.86	23.21	26.89
Normalized Diluted EPS	13.57	17.12	21.6	22.98	26.61
Dividend Per Share	8.71	12.06	14.23	15.07	16.95
Payout Ratio	46.99	60.6	60.67	63.15	60.52
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	26.56	23.37	24.21	25.88	27.86
Total Current Taxes	1.06TCr	1.41TCr	1.59TCr	1.65TCr	1.9TCr
Total Deferred Taxes	-43Cr	-210.6Cr	21Cr	103.4Cr	284.6Cr
Normalized Net Income	2.17TCr	2.83TCr	3.62TCr	3.84TCr	4.37TCr
Non-Cash Pension Expense	-10Cr	-14Cr	-17Cr	-1.4Cr	-4.7Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	192.7Cr	263.2Cr	-	-	-
Total Stock-Based Compensation	192.7Cr	263.2Cr	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.01TCr	3.85TCr	4.65TCr	4.63TCr	4.56TCr
Investment Securities, Total	79TCr	81TCr	85TCr	1,02200Cr	1,13900Cr
Trading Asset Securities, Total	29TCr	30TCr	33TCr	32TCr	44TCr
Total investments	1,07300Cr	1,10800Cr	1,17700Cr	1,34200Cr	1,57900Cr
Gross Loans	1,49300Cr	1,56100Cr	1,67300Cr	1,71700Cr	1,79100Cr
Allowance For Loan Losses	-5.14TCr	-5.58TCr	-6.4TCr	-6.5TCr	-6.55TCr
Other Adjustments to Gross Loans	-1.74TCr	-	-	-	-
Net Loans	1,42400Cr	1,50500Cr	1,60900Cr	1,65200Cr	1,72600Cr
Gross Property Plant And Equipment	4.22TCr	4.41TCr	4.62TCr	4.62TCr	4.78TCr
Accumulated Depreciation	-2.16TCr	-2.38TCr	-2.59TCr	-2.59TCr	-2.68TCr
Net Property Plant And Equipment	2.06TCr	2.03TCr	2.03TCr	2.03TCr	2.11TCr
Goodwill	228.2Cr	223.1Cr	160.9Cr	165.6Cr	151.1Cr
Other Intangibles, Total	1.46TCr	1.29TCr	1.11TCr	963Cr	806.3Cr
Investment in Real Estate	3TCr	2.93TCr	3.04TCr	2.65TCr	2.75TCr
Other Receivables	322.2Cr	413.8Cr	191.6Cr	169Cr	190.7Cr
Restricted Cash	6.1TCr	7.6TCr	9.12TCr	8.98TCr	10TCr
Other Current Assets, Total	1.74TCr	2.34TCr	1.42TCr	2.24TCr	2.55TCr
Deferred Tax Assets Long-Term (Collected)	690.3Cr	882.1Cr	900.1Cr	958.3Cr	894.3Cr
Other Real Estate Owned And Foreclosed	11Cr	57Cr	49Cr	18Cr	15Cr
Deferred Charges Long-Term	78Cr	75Cr	52Cr	47Cr	44Cr
Other Long-Term Assets, Total	4.13TCr	5.45TCr	5.25TCr	4.72TCr	7.05TCr
Total Assets	2,72600Cr	2,88400Cr	3,06600Cr	3,26900Cr	3,62100Cr
Liabilities
Accounts Payable, Total	-	-	-	772.7Cr	1.47TCr
Accrued Expenses, Total	2.85TCr	3.16TCr	2.16TCr	2.07TCr	1.57TCr
Interest Bearing Deposits	96TCr	1,03500Cr	1,14000Cr	1,20400Cr	1,37200Cr
Non-Interest Bearing Deposits	81TCr	85TCr	86TCr	94TCr	99TCr
Total Deposits	1,77700Cr	1,88900Cr	2,00200Cr	2,13900Cr	2,36500Cr
Short-Term Borrowings	6.73TCr	8.5TCr	10TCr	7.67TCr	8.31TCr
Current Portion of Long-Term Debt	213.9Cr	648.8Cr	1.06TCr	822Cr	488.4Cr
Long-Term Debt	2.83TCr	2.53TCr	2.16TCr	2.66TCr	3.08TCr
Long-Term Leases	433Cr	387.3Cr	371.4Cr	387.2Cr	328.7Cr
Current Income Taxes Payable	755.7Cr	784.2Cr	806.3Cr	919.1Cr	1.19TCr
Other Current Liabilities - (Bank / Utility Template)	21TCr	22TCr	37TCr	26TCr	29TCr
Unearned Revenue Non Current	37Cr	39Cr	24Cr	23Cr	23Cr
Pension & Other Post Retirement Benefits	107.3Cr	108.1Cr	107.7Cr	108.2Cr	117.1Cr
Deferred Tax Liability Non-Current	272Cr	247.3Cr	203Cr	336.8Cr	491.4Cr
Other Non Current Liabilities	35TCr	35TCr	24TCr	42TCr	48TCr
Total Liabilities	2,48300Cr	2,62400Cr	2,78900Cr	2,97700Cr	3,30800Cr
Preferred Stock Non Redeemable	90L	90L	90L	90L	90L
Preferred Stock - Others	549.4Cr	549.4Cr	549.4Cr	549.4Cr	549.4Cr
Total Preferred Equity	550.3Cr	550.3Cr	550.3Cr	550.3Cr	550.3Cr
Common Stock, Total	16Cr	17Cr	17Cr	17Cr	16Cr
Additional Paid In Capital	1.79TCr	2.73TCr	2.69TCr	2.3TCr	2.01TCr
Retained Earnings	18TCr	20TCr	22TCr	24TCr	26TCr
Treasury Stock	-319.9Cr	-461.9Cr	-298.2Cr	-358.3Cr	-458.2Cr
Comprehensive Income and Other	1.01TCr	1.16TCr	1.23TCr	1.16TCr	1.06TCr
Total Common Equity	21TCr	23TCr	26TCr	27TCr	29TCr
Minority Interest	2.8TCr	2.1TCr	1.63TCr	1.83TCr	2.04TCr
Total Equity	24TCr	26TCr	28TCr	29TCr	31TCr
Total Liabilities And Equity	2,72600Cr	2,88400Cr	3,06600Cr	3,26900Cr	3,62100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	159.16Cr	164.84Cr	165.71Cr	164.03Cr	162.29Cr
ECS Total Common Shares Outstanding	159.16Cr	164.84Cr	165.71Cr	164.03Cr	162.29Cr
Book Value / Share	131.56	141.61	153.95	163.92	176.55
Tangible Book Value	19TCr	22TCr	24TCr	26TCr	28TCr
Tangible Book Value Per Share	120.93	132.44	146.27	157.04	170.65
Tangible Book Value Per Share (As Reported)	-	-	-	-	-
Total Debt	10TCr	12TCr	14TCr	12TCr	12TCr
Deposits at Interest - Cash	7.02TCr	9.31TCr	12TCr	12TCr	13TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-161.3Cr	-165.6Cr	-193.3Cr	-221.7Cr	-249.7Cr
Net Debt	-27TCr	-29TCr	-31TCr	-42TCr	-53TCr
Equity Method Investments, Total	2.94TCr	2.86TCr	3.36TCr	3.5TCr	4.02TCr
Full Time Employees	49.22T	49.32T	50.45T	50.32T	50.45T
Number Of Offices	1.14T	1.16T	1.21T	1.17T	1.21T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.04TCr	3.56TCr	4.6TCr	4.58TCr	5.12TCr
Depreciation, Depletion & Amortization	447.8Cr	463.5Cr	481Cr	450.1Cr	451.5Cr
Amortization of Goodwill and Intangible Assets - (CF)	1Cr	80L	20L	20L	20L
Total Depreciation, Depletion & Amortization	448.8Cr	464.3Cr	481.2Cr	450.3Cr	451.7Cr
Amortization of Deferred Charges, Total	279.2Cr	267.4Cr	249.1Cr	247.9Cr	217.8Cr
(Gain) Loss On Sale of Asset - (CF)	-	-1.9Cr	-	-	-
(Gain) Loss on Sale of Investments - (CF)	3.97TCr	-	-	-	-
Total Asset Writedown	-	-23Cr	-	-	-
Provision for Credit Losses	987.3Cr	1.19TCr	-	-	-
(Income) Loss On Equity Investments - (CF)	-	-226.5Cr	-	-	-
Stock-Based Compensation (CF)	-	5.5Cr	-	-	-
Change in Trading Asset Securities	-1.25TCr	-2.53TCr	-1TCr	-11TCr	-9.75TCr
Change in Other Net Operating Assets (Collected)	-15TCr	-11TCr	-20TCr	-8.24TCr	-20TCr
Other Operating Activities	-3.64TCr	682.3Cr	5.92TCr	2.74TCr	1.41TCr
Cash from Operations	-9.92TCr	-7.36TCr	-9.38TCr	-11TCr	-23TCr
Capital Expenditure	-298.1Cr	-369.5Cr	-552.2Cr	-385.1Cr	-473.2Cr
Sale of Property, Plant, and Equipment	58Cr	31Cr	44Cr	68Cr	71Cr
Cash Acquisitions	-12Cr	-	-	-	-
Divestitures	70L	-40L	-	-	-
Purchase / Sale of Intangible Assets	-196.8Cr	-108.8Cr	-70Cr	-83Cr	-74Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-19Cr	-13Cr	-26Cr	-14Cr	21Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-467.4Cr	-460Cr	-605.1Cr	-414Cr	-455.2Cr
Long-Term Debt Issued, Total	316.6Cr	342.5Cr	563.9Cr	1.24TCr	981.6Cr
Total Debt Issued	316.6Cr	342.5Cr	563.9Cr	1.24TCr	981.6Cr
Long-Term Debt Repaid, Total	-354.5Cr	-379.2Cr	-741.7Cr	-1.17TCr	-944.1Cr
Total Debt Repaid	-354.5Cr	-379.2Cr	-741.7Cr	-1.17TCr	-944.1Cr
Issuance of Common Stock	352.9Cr	721.7Cr	454Cr	157.4Cr	574.5Cr
Repurchase of Common Stock	-	-354.4Cr	-44Cr	-591.3Cr	-453.9Cr
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-3.1TCr
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.21TCr	-2.16TCr	-2.79TCr	-2.89TCr	-
Common & Preferred Stock Dividends Paid	-1.21TCr	-2.16TCr	-2.79TCr	-2.89TCr	-3.1TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	11TCr	14TCr	14TCr	17TCr	27TCr
Other Financing Activities, Total	-43Cr	-296.4Cr	-122.3Cr	-19Cr	-51Cr
Cash from Financing	10TCr	12TCr	12TCr	14TCr	24TCr
Foreign Exchange Rate Adjustments	479.5Cr	-596Cr	-1.69TCr	-1.13TCr	-254.8Cr
Net Change in Cash	366.4Cr	3.35TCr	-105.2Cr	1.12TCr	540.8Cr
Supplemental Items
Cash Interest Paid	3.71TCr	5.68TCr	9.42TCr	11TCr	10TCr
Cash Income Tax Paid (Refund)	848.2Cr	1.38TCr	1.59TCr	1.61TCr	1.67TCr
Net Debt Issued / Repaid	-38Cr	-37Cr	-177.8Cr	70Cr	38Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.07	1.4	1.69	1.59	1.64
Return On Equity %	12.25	15.67	18.78	17.62	18.73
Return on Common Equity	12.66	15.64	18.14	16.69	17.68
Shareholders Value Added	213.34Cr	907.55Cr	1.67TCr	1.44TCr	1.79TCr
Margin Analysis
SG&A Margin	3.22	3.09	1.41	3.73	3.19
Net Interest Income / Total Revenues %	51.96	54.59	62.69	62.92	61.3
EBT Excl. Non-Recurring Items Margin %	31.28	35.36	40.22	41.14	43.62
Income From Continuing Operations Margin %	22.79	27.16	31.18	30.18	31.41
Net Income Margin %	20.86	24.58	28.49	27.55	28.38
Net Avail. For Common Margin %	20.19	23.89	27.4	26.3	27.21
Normalized Net Income Margin	17.63	19.52	22.46	23.09	24.24
Asset quality
Nonperforming Loans / Total Loans %	4.68	4.96	5.84	5.89	5.7
Nonperforming Loans / Total Assets %	2.56	2.69	3.19	3.09	2.82
Nonperforming Assets / Total Assets %	2.57	2.7	3.2	3.1	2.82
NPAs / Loans and OREO	4.69	5	5.87	5.9	5.7
NPAs / Equity	28.84	30.01	35.46	34.58	32.7
Allowance for Credit Losses / Net Charge-offs %	425.48	544.82	591.94	388.62	408.22
Allowance for Credit Losses / Nonperforming Loans %	73.51	72.09	65.5	64.34	64.18
Allowance for Credit Losses / Total Loans %	3.44	3.58	3.83	3.79	3.66
Provision for Loan Losses / Net Charge-offs %	81.73	117.73	150.41	90.59	89.29
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.47	7.89	8.2	8.3	8.06
Total Average Equity / Total Average Assets %	8.71	8.96	9.01	9.02	8.78
Total Equity + Allowance for Loan Losses / Total Loans %	17.83	18.89	19.4	19.77	19.96
Gross Loans / Total Deposits %	84.04	82.62	83.57	80.26	75.72
Net Loans / Total Deposits %	80.17	79.66	80.38	77.22	72.95
Tier 1 Capital Ratio %	14.69	14.51	15	15	15.1
Total Capital Ratio %	16.87	16.58	17	17	16.8
Core Tier 1 Capital Ratio	13.79	13.48	13.73	13.53	13.82
Tier 2 Capital Ratio	2.18	2.07	2.04	1.89	1.69
Coverage Ratio	73.51	72.09	65.5	64.34	64.18
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.04	1.91	1.7	1.63	1.78
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.43	23.7	25.66	3.44	5.7
Non Interest Income, 1 Yr. Growth %	1.01	13.28	13.22	0.45	9.57
Provision For Loan Losses, 1 Yr. Growth %	-52.06	22.19	21.87	-6.82	-5.48
Total Revenues, 1 Yr. Growth %	11.11	17.99	19.8	3.05	8.51
Earnings From Cont. Operations, 1 Yr. Growth %	93.34	40.36	28.85	-0.24	12.92
Net Income, 1 Yr. Growth %	95.2	38.72	30.45	-0.34	11.78
Normalized Net Income, 1 Yr. Growth %	41.31	30.38	30.74	5.95	13.92
Diluted EPS Before Extra, 1 Yr. Growth %	100.65	34.75	27.97	-0.65	14.12
Dividend Per Share, 1 Yr. Growth %	262.92	38.46	17.99	5.9	12.48
Gross Loans, 1 Yr. Growth %	11.65	5.76	7.18	2.61	4.35
Allowance For Loan Losses, 1 Yr. Growth %	2.82	8.62	14.63	1.57	0.73
Net Loans, 1 Yr. Growth %	12.04	5.66	6.9	2.65	4.49
Non Performing Loans, 1 Yr. Growth %	-3.02	10.76	26.16	3.41	0.97
Non Performing Assets, 1 Yr. Growth %	-3	11.39	25.88	3.07	0.94
Total Assets, 1 Yr. Growth %	7.61	5.8	6.36	7.34	10.75
Total Deposits, 1 Yr Growth %	9.39	6.33	5.96	6.85	10.42
Tangible Book Value, 1 Yr. Growth %	16.55	13.42	11.57	6.27	7.51
Common Equity, 1 Yr. Growth %	14.17	11.48	9.79	5.4	6.56
Total Equity, 1 Yr. Growth %	12.81	7.04	6.97	5.68	6.75
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.67	12.02	25.74	14.01	4.56
Non Interest Income, 2 Yr. CAGR %	1.96	6.77	5.45	6.64	4.91
Provision For Loan Losses, 2 Yr. CAGR %	11.34	-23.46	28.34	6.56	-6.15
Total Revenues, 2 Yr. CAGR %	-0.06	14.38	14.59	11.11	5.75
Earnings From Cont. Operations, 2 Yr. CAGR %	-4.39	64.73	33.89	13.38	6.14
Net Income, 2 Yr. CAGR %	-1.2	64.55	33.77	14.02	5.55
Normalized Net Income, 2 Yr. CAGR %	0.56	35.74	29.22	17.69	9.86
Diluted EPS Before Extra, 2 Yr. CAGR %	-0.95	64.43	30.17	12.76	6.48
Dividend Per Share, 2 Yr. CAGR %	-6.39	124.17	27.82	11.78	9.14
Gross Loans, 2 Yr. CAGR %	9.89	8.03	6.47	4.87	3.48
Allowance For Loan Losses, 2 Yr. CAGR %	20.7	5.68	11.58	7.9	1.15
Net Loans, 2 Yr. CAGR %	9.82	8.8	6.28	4.76	3.57
Non Performing Loans, 2 Yr. CAGR %	22.06	3.64	18.21	14.22	2.18
Non Performing Assets, 2 Yr. CAGR %	22.01	3.95	18.41	13.91	2
Total Assets, 2 Yr. CAGR %	9.45	6.7	6.05	6.5	9.03
Total Deposits, 2 Yr CAGR %	11.61	7.85	6.14	6.41	8.71
Tangible Book Value, 2 Yr. CAGR %	11.65	14.98	12.22	8.89	6.89
Common Equity, 2 Yr. CAGR %	8.85	12.82	10.38	7.57	5.98
Total Equity, 2 Yr. CAGR %	7.67	9.89	6.78	6.33	6.22
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.59	6.87	17.05	17.82	11.17
Non Interest Income, 3 Yr. CAGR %	1.71	5.47	3.81	3.75	7.61
Provision For Loan Losses, 3 Yr. CAGR %	15.02	14.85	-7.57	15.35	2.39
Total Revenues, 3 Yr. CAGR %	0.83	5.56	13.34	10.61	10.24
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.92	8.66	51.34	21.38	13.22
Net Income, 3 Yr. CAGR %	-3.05	10.63	51.73	21.27	13.27
Normalized Net Income, 3 Yr. CAGR %	-0.09	9.65	33.13	20.94	16.42
Diluted EPS Before Extra, 3 Yr. CAGR %	-3.03	9.75	50.37	18.96	13.21
Dividend Per Share, 3 Yr. CAGR %	-3.52	6.66	80.99	20.05	12.01
Gross Loans, 3 Yr. CAGR %	8.25	8.08	7.75	5.17	4.7
Allowance For Loan Losses, 3 Yr. CAGR %	11.9	16.53	8.58	8.14	5.46
Net Loans, 3 Yr. CAGR %	8.36	8.41	8.17	5.06	4.67
Non Performing Loans, 3 Yr. CAGR %	16.52	18.17	10.66	13.06	9.62
Non Performing Assets, 3 Yr. CAGR %	16.54	18.37	10.8	13.06	9.41
Total Assets, 3 Yr. CAGR %	8.62	8.22	6.57	6.25	7.9
Total Deposits, 3 Yr CAGR %	9.38	9.82	7.22	6.38	7.78
Tangible Book Value, 3 Yr. CAGR %	9.92	12.24	13.65	10.2	8.43
Common Equity, 3 Yr. CAGR %	7.49	9.72	11.63	8.69	7.23
Total Equity, 3 Yr. CAGR %	6.85	7.46	8.76	6.42	6.47
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.38	5.65	10.64	10.04	11.89
Non Interest Income, 5 Yr. CAGR %	1.42	3.01	3.11	2.96	4.25
Provision For Loan Losses, 5 Yr. CAGR %	0.7	5.09	20.17	13.73	-7.01
Total Revenues, 5 Yr. CAGR %	1.97	4.23	6.08	6.17	10.24
Earnings From Cont. Operations, 5 Yr. CAGR %	1.7	5.1	9.03	10.33	31.31
Net Income, 5 Yr. CAGR %	2.59	5.84	10.28	11.73	31.23
Normalized Net Income, 5 Yr. CAGR %	2.25	5.03	10.74	12.33	23.28
Diluted EPS Before Extra, 5 Yr. CAGR %	2.55	5.31	9.09	10.56	30.98
Dividend Per Share, 5 Yr. CAGR %	2.23	5.79	7.97	8.68	47.84
Gross Loans, 5 Yr. CAGR %	6.5	7.5	7.28	6.78	6.02
Allowance For Loan Losses, 5 Yr. CAGR %	18.72	19.99	11.77	13	5.55
Net Loans, 5 Yr. CAGR %	6.26	7.51	7.52	6.94	6.3
Non Performing Loans, 5 Yr. CAGR %	15.92	17.54	17.19	16.57	7.19
Non Performing Assets, 5 Yr. CAGR %	15.84	17.61	17.29	16.56	7.19
Total Assets, 5 Yr. CAGR %	6.91	7.3	7.59	7.52	7.41
Total Deposits, 5 Yr CAGR %	7.92	8.72	8.08	8.44	7.81
Tangible Book Value, 5 Yr. CAGR %	8.66	9.73	10.83	10.78	10.9
Common Equity, 5 Yr. CAGR %	6.79	7.77	8.64	8.76	9.33
Total Equity, 5 Yr. CAGR %	6.25	6.47	6.82	6.92	7.73