Financial Ratios Standard Bank Group Limited

Equities

SBK

ZAE000109815

Banks

End-of-day quote Johannesburg S.E. Other stock markets 10/03/2026			5-day change	1st Jan Change
298.68 ^ZAR	+1.35%		-2.09%	+2.85%

05/03	African businesses increasingly prefer Asia over their neighbours for trade	RE
01/03	Standard Islami Bank PLC. has Changed its Name to Standard Bank PLC	CI

56d7f9.BS0sEevSS9FBdyVIlSWyOGmkEPN0es9rvL30J5jaq-I.cHVPdqPjHZYALxMupBTBFTbvQaYlGKMc5e2_X-mSxY5DVxVZmuB66Ss6Rg

Published financial data: STANDARD BANK GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	11TCr	10TCr	14TCr	19TCr	21TCr
Interest Income On Investments	-	-	-	296.7Cr	337.9Cr
Interest Income, Total	11TCr	10TCr	14TCr	20TCr	21TCr
Interest On Deposits	4.56TCr	3.68TCr	5.65TCr	9.51TCr	11TCr
Interest Expense, Total	4.56TCr	3.68TCr	5.65TCr	9.51TCr	11TCr
Net Interest Income	6.31TCr	6.4TCr	7.91TCr	10TCr	10TCr
Trust Income	327.1Cr	221Cr	269.8Cr	-	-
Income From Trading Activities	1.39TCr	1.48TCr	1.7TCr	2.06TCr	2.12TCr
Gain (Loss) on Sale of Assets	50Cr	-8.4Cr	-1.1Cr	6.3Cr	-3.5Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	276.9Cr	-19Cr	24Cr	2.37TCr	2.98TCr
Total Other Non Interest Income	4.79TCr	5.22TCr	5.79TCr	3.21TCr	2.59TCr
Non Interest Income, Total	6.83TCr	6.9TCr	7.79TCr	7.65TCr	7.68TCr
Revenues Before Provison For Loan Losses	13TCr	13TCr	16TCr	18TCr	18TCr
Provision For Loan Losses	2.06TCr	987.3Cr	1.21TCr	1.63TCr	1.52TCr
Total Revenues	11TCr	12TCr	14TCr	16TCr	17TCr
Stock-Based Compensation (IS)	175.6Cr	192.7Cr	263.2Cr	-	-
Selling General & Admin Expenses, Total	382Cr	396.4Cr	447.8Cr	227.8Cr	619.6Cr
(Income) Loss on Equity Invest.	-108.4Cr	-109.4Cr	-226.5Cr	-164.8Cr	-148.4Cr
Total Other Non Interest Expense	7.96TCr	7.98TCr	8.89TCr	9.58TCr	9.32TCr
Non Interest Expense, Total	8.41TCr	8.46TCr	9.37TCr	9.65TCr	9.79TCr
EBT, Excl. Unusual Items	2.67TCr	3.85TCr	5.13TCr	6.49TCr	6.84TCr
Impairment of Goodwill	-	-1.4Cr	-	-	-60L
Asset Writedown	-858.2Cr	-29Cr	13Cr	146.3Cr	-70Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.82TCr	3.82TCr	5.14TCr	6.64TCr	6.77TCr
Income Tax Expense	364Cr	1.01TCr	1.2TCr	1.61TCr	1.75TCr
Earnings From Continuing Operations	1.45TCr	2.81TCr	3.94TCr	5.03TCr	5.02TCr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	1.45TCr	2.81TCr	3.94TCr	5.03TCr	5.02TCr
Minority Interest	-135.2Cr	-236.9Cr	-374.7Cr	-433Cr	-436.6Cr
Net Income - (IS)	1.32TCr	2.57TCr	3.56TCr	4.6TCr	4.58TCr
Preferred Dividend and Other Adjustments	80Cr	82Cr	100Cr	176.2Cr	209.1Cr
Net Income to Common Incl Extra Items	1.24TCr	2.49TCr	3.46TCr	4.42TCr	4.37TCr
Net Income to Common Excl. Extra Items	1.24TCr	2.49TCr	3.46TCr	4.42TCr	4.37TCr
Per Share Items
Net EPS - Basic	7.77	15.63	21.11	26.67	26.44
Basic EPS - Continuing Operations	7.77	15.63	21.11	26.67	26.44
Basic Weighted Average Shares Outstanding	159.04Cr	159.06Cr	164.09Cr	165.8Cr	165.38Cr
Net EPS - Diluted	7.75	15.55	20.96	26.35	26.18
Diluted EPS - Continuing Operations	7.75	15.55	20.96	26.35	26.18
Diluted Weighted Average Shares Outstanding	159.52Cr	159.9Cr	165.29Cr	167.79Cr	167.03Cr
Normalized Basic EPS	9.66	13.64	17.24	21.86	23.21
Normalized Diluted EPS	9.63	13.57	17.12	21.6	22.98
Dividend Per Share	2.4	8.71	12.06	14.23	15.07
Payout Ratio	85.25	46.99	60.6	60.67	63.15
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	20.05	26.56	23.37	24.21	25.88
Total Current Taxes	703.2Cr	1.06TCr	1.41TCr	1.59TCr	1.65TCr
Total Deferred Taxes	-339.2Cr	-43Cr	-210.6Cr	21Cr	103.4Cr
Normalized Net Income	1.54TCr	2.17TCr	2.83TCr	3.62TCr	3.84TCr
Non-Cash Pension Expense	-9.9Cr	-10Cr	-14Cr	-17Cr	-1.4Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	175.6Cr	192.7Cr	263.2Cr	-	-
Total Stock-Based Compensation	175.6Cr	192.7Cr	263.2Cr	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.1TCr	3.01TCr	3.85TCr	4.65TCr	4.63TCr
Investment Securities, Total	70TCr	79TCr	81TCr	85TCr	1,02200Cr
Trading Asset Securities, Total	33TCr	29TCr	30TCr	33TCr	32TCr
Total investments	1,02800Cr	1,07300Cr	1,10800Cr	1,17700Cr	1,34200Cr
Gross Loans	1,33700Cr	1,49300Cr	1,56100Cr	1,67300Cr	1,71700Cr
Allowance For Loan Losses	-5TCr	-5.14TCr	-5.58TCr	-6.4TCr	-6.5TCr
Other Adjustments to Gross Loans	-1.61TCr	-1.74TCr	-	-	-
Net Loans	1,27100Cr	1,42400Cr	1,50500Cr	1,60900Cr	1,65200Cr
Gross Property Plant And Equipment	4TCr	4.22TCr	4.41TCr	4.62TCr	4.62TCr
Accumulated Depreciation	-1.93TCr	-2.16TCr	-2.38TCr	-2.59TCr	-2.59TCr
Net Property Plant And Equipment	2.07TCr	2.06TCr	2.03TCr	2.03TCr	2.03TCr
Goodwill	220.7Cr	228.2Cr	223.1Cr	160.9Cr	165.6Cr
Other Intangibles, Total	1.61TCr	1.46TCr	1.29TCr	1.11TCr	963Cr
Investment in Real Estate	2.99TCr	3TCr	2.93TCr	3.04TCr	2.65TCr
Other Receivables	839.2Cr	322.2Cr	413.8Cr	191.6Cr	169Cr
Restricted Cash	5.65TCr	6.1TCr	7.6TCr	9.12TCr	8.98TCr
Other Current Assets, Total	1.77TCr	1.74TCr	2.34TCr	1.42TCr	2.24TCr
Deferred Tax Assets Long-Term (Collected)	662.1Cr	690.3Cr	882.1Cr	900.1Cr	958.3Cr
Other Real Estate Owned And Foreclosed	10Cr	11Cr	57Cr	49Cr	18Cr
Deferred Charges Long-Term	78Cr	78Cr	75Cr	52Cr	47Cr
Other Long-Term Assets, Total	4.37TCr	4.13TCr	5.45TCr	5.25TCr	4.72TCr
Total Assets	2,53300Cr	2,72600Cr	2,88400Cr	3,06600Cr	3,26900Cr
Liabilities
Accounts Payable, Total	-	-	-	-	772.7Cr
Accrued Expenses, Total	2.35TCr	2.85TCr	3.16TCr	2.16TCr	2.07TCr
Interest Bearing Deposits	91TCr	96TCr	1,03500Cr	1,14000Cr	1,20400Cr
Non-Interest Bearing Deposits	71TCr	81TCr	85TCr	86TCr	94TCr
Total Deposits	1,62400Cr	1,77700Cr	1,88900Cr	2,00200Cr	2,13900Cr
Short-Term Borrowings	11TCr	6.73TCr	8.5TCr	10TCr	7.67TCr
Current Portion of Long-Term Debt	222.7Cr	213.9Cr	648.8Cr	1.06TCr	822Cr
Long-Term Debt	2.71TCr	2.83TCr	2.53TCr	2.16TCr	2.66TCr
Long-Term Leases	512.4Cr	433Cr	387.3Cr	371.4Cr	387.2Cr
Current Income Taxes Payable	541.7Cr	755.7Cr	784.2Cr	806.3Cr	919.1Cr
Other Current Liabilities - (Bank / Utility Template)	19TCr	21TCr	22TCr	37TCr	26TCr
Unearned Revenue Non Current	34Cr	37Cr	39Cr	24Cr	23Cr
Pension & Other Post Retirement Benefits	110.2Cr	107.3Cr	108.1Cr	107.7Cr	108.2Cr
Deferred Tax Liability Non-Current	288.5Cr	272Cr	247.3Cr	203Cr	336.8Cr
Other Non Current Liabilities	32TCr	35TCr	35TCr	24TCr	42TCr
Total Liabilities	2,31800Cr	2,48300Cr	2,62400Cr	2,78900Cr	2,97700Cr
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	16Cr	17Cr	17Cr	17Cr
Additional Paid In Capital	1.79TCr	1.79TCr	2.73TCr	2.69TCr	2.3TCr
Retained Earnings	17TCr	18TCr	20TCr	22TCr	24TCr
Treasury Stock	-274.5Cr	-319.9Cr	-461.9Cr	-298.2Cr	-358.3Cr
Comprehensive Income and Other	-13Cr	1.01TCr	1.16TCr	1.23TCr	1.16TCr
Total Common Equity	18TCr	21TCr	23TCr	26TCr	27TCr
Minority Interest	2.64TCr	2.8TCr	2.1TCr	1.63TCr	1.83TCr
Total Equity	22TCr	24TCr	26TCr	28TCr	29TCr
Total Liabilities And Equity	2,53300Cr	2,72600Cr	2,88400Cr	3,06600Cr	3,26900Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	159.29Cr	159.16Cr	164.84Cr	165.71Cr	164.03Cr
ECS Total Common Shares Outstanding	159.29Cr	159.16Cr	164.84Cr	165.71Cr	164.03Cr
Book Value / Share	115.13	131.56	141.61	153.95	163.92
Tangible Book Value	17TCr	19TCr	22TCr	24TCr	26TCr
Tangible Book Value Per Share	103.67	120.93	132.44	146.27	157.04
Tangible Book Value Per Share (As Reported)	-	-	-	-	-
Total Debt	15TCr	10TCr	12TCr	14TCr	12TCr
Deposits at Interest - Cash	6.81TCr	7.02TCr	9.31TCr	12TCr	12TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-133.2Cr	-161.3Cr	-165.6Cr	-193.3Cr	-221.7Cr
Net Debt	-26TCr	-27TCr	-29TCr	-31TCr	-42TCr
Equity Method Investments, Total	2.75TCr	2.94TCr	2.86TCr	3.36TCr	3.5TCr
Full Time Employees	50.12T	49.22T	49.32T	50.45T	50.32T
Number Of Offices	1.12T	1.14T	1.16T	1.21T	1.17T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.32TCr	4.04TCr	3.56TCr	4.6TCr	4.58TCr
Depreciation, Depletion & Amortization	485.8Cr	447.8Cr	463.5Cr	481Cr	450.1Cr
Amortization of Goodwill and Intangible Assets - (CF)	1.1Cr	1Cr	80L	20L	20L
Total Depreciation, Depletion & Amortization	486.9Cr	448.8Cr	464.3Cr	481.2Cr	450.3Cr
Amortization of Deferred Charges, Total	268.5Cr	279.2Cr	267.4Cr	249.1Cr	274.9Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	-1.9Cr	-	-
(Gain) Loss on Sale of Investments - (CF)	804.3Cr	3.97TCr	-	-	-
Total Asset Writedown	-	-	-23Cr	-	-
Provision for Credit Losses	2.06TCr	987.3Cr	1.19TCr	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-226.5Cr	-	-
Stock-Based Compensation (CF)	-	-	5.5Cr	-	-
Change in Trading Asset Securities	-4.14TCr	-1.25TCr	-2.53TCr	-1TCr	-11TCr
Change in Other Net Operating Assets (Collected)	-17TCr	-15TCr	-11TCr	-20TCr	-8.24TCr
Other Operating Activities	218.4Cr	-3.64TCr	682.3Cr	5.92TCr	2.71TCr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-16TCr	-9.92TCr	-7.36TCr	-9.38TCr	-11TCr
Capital Expenditure	-500.8Cr	-298.1Cr	-369.5Cr	-552.2Cr	-385.1Cr
Sale of Property, Plant, and Equipment	429.1Cr	58Cr	31Cr	44Cr	68Cr
Cash Acquisitions	-	-12Cr	-	-	-
Divestitures	-17Cr	70L	-40L	-	-
Purchase / Sale of Intangible Assets	-177.1Cr	-196.8Cr	-108.8Cr	-70Cr	-83Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	308.5Cr	-19Cr	-13Cr	-26Cr	-14Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	43Cr	-467.4Cr	-460Cr	-605.1Cr	-414Cr
Long-Term Debt Issued, Total	850Cr	316.6Cr	342.5Cr	563.9Cr	1.24TCr
Total Debt Issued	850Cr	316.6Cr	342.5Cr	563.9Cr	1.24TCr
Long-Term Debt Repaid, Total	-995.9Cr	-354.5Cr	-379.2Cr	-741.7Cr	-1.17TCr
Total Debt Repaid	-995.9Cr	-354.5Cr	-379.2Cr	-741.7Cr	-1.17TCr
Issuance of Common Stock	157.1Cr	352.9Cr	721.7Cr	454Cr	157.4Cr
Repurchase of Common Stock	-	-	-354.4Cr	-44Cr	-591.3Cr
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.12TCr	-1.21TCr	-2.16TCr	-2.79TCr	-2.89TCr
Common & Preferred Stock Dividends Paid	-1.12TCr	-1.21TCr	-2.16TCr	-2.79TCr	-2.89TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	19TCr	11TCr	14TCr	14TCr	17TCr
Other Financing Activities, Total	-138.7Cr	-43Cr	-296.4Cr	-122.3Cr	-19Cr
Cash from Financing	18TCr	10TCr	12TCr	12TCr	14TCr
Foreign Exchange Rate Adjustments	-413.9Cr	479.5Cr	-596Cr	-1.69TCr	-1.13TCr
Net Change in Cash	1.22TCr	366.4Cr	3.35TCr	-105.2Cr	1.12TCr
Supplemental Items
Cash Interest Paid	4.61TCr	3.71TCr	5.68TCr	9.42TCr	11TCr
Cash Income Tax Paid (Refund)	710Cr	848.2Cr	1.38TCr	1.59TCr	1.61TCr
Net Debt Issued / Repaid	-145.9Cr	-38Cr	-37Cr	-177.8Cr	70Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.6	1.07	1.4	1.69	1.59
Return On Equity %	6.83	12.25	15.67	18.78	17.62
Return on Common Equity	6.86	12.66	15.64	18.14	16.69
Shareholders Value Added	-843.47Cr	213.34Cr	907.55Cr	1.67TCr	1.44TCr
Margin Analysis
SG&A Margin	3.45	3.22	3.09	1.41	3.73
Net Interest Income / Total Revenues %	56.92	51.96	54.59	62.69	62.92
EBT Excl. Non-Recurring Items Margin %	24.12	31.28	35.36	40.22	41.14
Income From Continuing Operations Margin %	13.1	22.79	27.16	31.18	30.18
Net Income Margin %	11.88	20.86	24.58	28.49	27.55
Net Avail. For Common Margin %	11.15	20.19	23.89	27.4	26.3
Normalized Net Income Margin	13.86	17.63	19.52	22.46	23.09
Asset quality
Nonperforming Loans / Total Loans %	5.39	4.68	4.96	5.84	5.89
Nonperforming Loans / Total Assets %	2.85	2.56	2.69	3.19	3.09
Nonperforming Assets / Total Assets %	2.85	2.57	2.7	3.2	3.1
NPAs / Loans and OREO	5.4	4.69	5	5.87	5.9
NPAs / Equity	33.54	28.84	30.01	35.46	34.58
Allowance for Credit Losses / Net Charge-offs %	687.19	425.48	544.82	591.94	388.62
Allowance for Credit Losses / Nonperforming Loans %	69.33	73.51	72.09	65.5	64.34
Allowance for Credit Losses / Total Loans %	3.74	3.44	3.58	3.83	3.79
Provision for Loan Losses / Net Charge-offs %	283.12	81.73	117.73	150.41	90.59
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.49	7.47	7.89	8.2	8.3
Total Average Equity / Total Average Assets %	8.83	8.71	8.96	9.01	9.02
Total Equity + Allowance for Loan Losses / Total Loans %	17.86	17.83	18.89	19.4	19.77
Gross Loans / Total Deposits %	82.35	84.04	82.62	83.57	80.26
Net Loans / Total Deposits %	78.28	80.17	79.66	80.38	77.22
Tier 1 Capital Ratio %	14.03	14.69	14.51	15	15
Total Capital Ratio %	16.13	16.87	16.58	17	17
Core Tier 1 Capital Ratio	13.31	13.79	13.48	13.73	13.53
Tier 2 Capital Ratio	2.11	2.18	2.07	2.04	1.89
Coverage Ratio	69.33	73.51	72.09	65.5	64.34
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.4	2.04	1.91	1.7	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.72	1.43	23.7	25.66	3.44
Non Interest Income, 1 Yr. Growth %	2.93	1.01	13.28	13.22	0.45
Provision For Loan Losses, 1 Yr. Growth %	158.59	-52.06	22.19	21.87	-6.82
Total Revenues, 1 Yr. Growth %	-10.1	11.11	17.99	19.8	3.05
Earnings From Cont. Operations, 1 Yr. Growth %	-52.72	93.34	40.36	28.85	-0.24
Net Income, 1 Yr. Growth %	-49.99	95.2	38.72	30.45	-0.34
Normalized Net Income, 1 Yr. Growth %	-28.44	41.31	30.38	30.74	5.95
Diluted EPS Before Extra, 1 Yr. Growth %	-51.1	100.65	34.75	27.97	-0.65
Dividend Per Share, 1 Yr. Growth %	-75.86	262.92	38.46	17.99	5.9
Gross Loans, 1 Yr. Growth %	8.17	11.65	5.76	7.18	2.61
Allowance For Loan Losses, 1 Yr. Growth %	41.69	2.82	8.62	14.63	1.57
Net Loans, 1 Yr. Growth %	7.64	12.04	5.66	6.9	2.65
Non Performing Loans, 1 Yr. Growth %	53.63	-3.02	10.76	26.16	3.41
Non Performing Assets, 1 Yr. Growth %	53.49	-3	11.39	25.88	3.07
Total Assets, 1 Yr. Growth %	11.31	7.61	5.8	6.36	7.34
Total Deposits, 1 Yr Growth %	13.87	9.39	6.33	5.96	6.85
Tangible Book Value, 1 Yr. Growth %	6.96	16.55	13.42	11.57	6.27
Common Equity, 1 Yr. Growth %	3.78	14.17	11.48	9.79	5.4
Total Equity, 1 Yr. Growth %	2.76	12.81	7.04	6.97	5.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.67	-0.67	12.02	25.74	14.01
Non Interest Income, 2 Yr. CAGR %	2.07	1.96	6.77	5.45	6.64
Provision For Loan Losses, 2 Yr. CAGR %	78.15	11.34	-23.46	28.34	6.56
Total Revenues, 2 Yr. CAGR %	-3.95	-0.06	14.38	14.59	11.11
Earnings From Cont. Operations, 2 Yr. CAGR %	-33.32	-4.39	64.73	33.89	13.38
Net Income, 2 Yr. CAGR %	-31.67	-1.2	64.55	33.77	14.02
Normalized Net Income, 2 Yr. CAGR %	-16	0.56	35.74	29.22	17.69
Diluted EPS Before Extra, 2 Yr. CAGR %	-32.59	-0.95	64.43	30.17	12.76
Dividend Per Share, 2 Yr. CAGR %	-50.26	-6.39	124.17	27.82	11.78
Gross Loans, 2 Yr. CAGR %	6.59	9.89	8.03	6.47	4.87
Allowance For Loan Losses, 2 Yr. CAGR %	16.73	20.7	5.68	11.58	7.9
Net Loans, 2 Yr. CAGR %	6.56	9.82	8.8	6.28	4.76
Non Performing Loans, 2 Yr. CAGR %	27.72	22.06	3.64	18.21	14.22
Non Performing Assets, 2 Yr. CAGR %	27.74	22.01	3.95	18.41	13.91
Total Assets, 2 Yr. CAGR %	9.13	9.45	6.7	6.05	6.5
Total Deposits, 2 Yr CAGR %	9.38	11.61	7.85	6.14	6.41
Tangible Book Value, 2 Yr. CAGR %	6.74	11.65	14.98	12.22	8.89
Common Equity, 2 Yr. CAGR %	4.29	8.85	12.82	10.38	7.57
Total Equity, 2 Yr. CAGR %	3.99	7.67	9.89	6.78	6.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.61	1.59	6.87	17.05	17.82
Non Interest Income, 3 Yr. CAGR %	0.59	1.71	5.47	3.81	3.75
Provision For Loan Losses, 3 Yr. CAGR %	29.83	15.02	14.85	-7.57	15.35
Total Revenues, 3 Yr. CAGR %	-2.03	0.83	5.56	13.34	10.61
Earnings From Cont. Operations, 3 Yr. CAGR %	-22.11	-4.92	8.66	51.34	21.38
Net Income, 3 Yr. CAGR %	-21.13	-3.05	10.63	51.73	21.27
Normalized Net Income, 3 Yr. CAGR %	-11.48	-0.09	9.65	33.13	20.94
Diluted EPS Before Extra, 3 Yr. CAGR %	-21.75	-3.03	9.75	50.37	18.96
Dividend Per Share, 3 Yr. CAGR %	-35.87	-3.52	6.66	80.99	20.05
Gross Loans, 3 Yr. CAGR %	7.14	8.25	8.08	7.75	5.17
Allowance For Loan Losses, 3 Yr. CAGR %	30.59	11.9	16.53	8.58	8.14
Net Loans, 3 Yr. CAGR %	6.65	8.36	8.41	8.17	5.06
Non Performing Loans, 3 Yr. CAGR %	27.82	16.52	18.17	10.66	13.06
Non Performing Assets, 3 Yr. CAGR %	27.71	16.54	18.37	10.8	13.06
Total Assets, 3 Yr. CAGR %	7.69	8.62	8.22	6.57	6.25
Total Deposits, 3 Yr CAGR %	9.3	9.38	9.82	7.22	6.38
Tangible Book Value, 3 Yr. CAGR %	6.36	9.92	12.24	13.65	10.2
Common Equity, 3 Yr. CAGR %	4.53	7.49	9.72	11.63	8.69
Total Equity, 3 Yr. CAGR %	4.25	6.85	7.46	8.76	6.42
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.05	2.38	5.65	10.64	10.04
Non Interest Income, 5 Yr. CAGR %	0.71	1.42	3.01	3.11	2.96
Provision For Loan Losses, 5 Yr. CAGR %	17.06	0.7	5.09	20.17	13.73
Total Revenues, 5 Yr. CAGR %	0.91	1.97	4.23	6.08	6.17
Earnings From Cont. Operations, 5 Yr. CAGR %	-10.56	1.7	5.1	9.03	10.33
Net Income, 5 Yr. CAGR %	-11.42	2.59	5.84	10.28	11.73
Normalized Net Income, 5 Yr. CAGR %	-3.16	2.25	5.03	10.74	12.33
Diluted EPS Before Extra, 5 Yr. CAGR %	-9.88	2.55	5.31	9.09	10.56
Dividend Per Share, 5 Yr. CAGR %	-18.66	2.23	5.79	7.97	8.68
Gross Loans, 5 Yr. CAGR %	4.01	6.5	7.5	7.28	6.78
Allowance For Loan Losses, 5 Yr. CAGR %	17.15	18.72	19.99	11.77	13
Net Loans, 5 Yr. CAGR %	3.69	6.26	7.51	7.52	6.94
Non Performing Loans, 5 Yr. CAGR %	15.46	15.92	17.54	17.19	16.57
Non Performing Assets, 5 Yr. CAGR %	15.35	15.84	17.61	17.29	16.56
Total Assets, 5 Yr. CAGR %	4.98	6.91	7.3	7.59	7.52
Total Deposits, 5 Yr CAGR %	6.54	7.92	8.72	8.08	8.44
Tangible Book Value, 5 Yr. CAGR %	5.39	8.66	9.73	10.83	10.78
Common Equity, 5 Yr. CAGR %	3.95	6.79	7.77	8.64	8.76
Total Equity, 5 Yr. CAGR %	3.77	6.25	6.47	6.82	6.92