Balance Sheet Standard Chartered PLC

Stocks

STAN

GB0004082847

Banks

Real-time Estimate Cboe Europe Other stock markets 05:20:08 10/07/2026 pm IST			5-day change	1st Jan Change
2,111.50 ^GBX	+0.31%		-0.75%	+15.59%

02:02pm	S.Korea's KOSPI rebounds on AI optimism but ends week lower	RE
01:54pm	Citi and Jefferies say buy Astra after tumble	AN

05e9fc4460.qQs12LHo3NVsV2wrOaSIlx2hRei8ZIJ6fCJjQ7erx1c.7j8A64SmkpYIEBgaeOH4xU6VMYP2J7EJDGgBJdTBhmDgZgS26Kul-BgmXA

Published financial data: STANDARD CHARTERED PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.02TCr	1.53TCr	2.72TCr	2.79TCr	2.45TCr
Interest Income, Total	1.02TCr	1.53TCr	2.72TCr	2.79TCr	2.45TCr
Interest On Deposits	344.8Cr	765.9Cr	1.95TCr	2.15TCr	1.86TCr
Interest Expense, Total	344.8Cr	765.9Cr	1.95TCr	2.15TCr	1.86TCr
Net Interest Income	679.8Cr	759.3Cr	776.9Cr	636.6Cr	595.5Cr
Income From Trading Activities	343.1Cr	531Cr	629.2Cr	961.5Cr	1.03TCr
Gain (Loss) on Sale of Assets	86Cr	36Cr	39Cr	-19Cr	38Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-14Cr	-52Cr	-96Cr	-24Cr	-1Cr
Total Other Non Interest Income	345.6Cr	325.9Cr	367.4Cr	398.6Cr	432.8Cr
Non Interest Income, Total	760.3Cr	841.7Cr	939Cr	1.32TCr	1.5TCr
Revenues Before Provison For Loan Losses	1.44TCr	1.6TCr	1.72TCr	1.95TCr	2.09TCr
Provision For Loan Losses	26Cr	84Cr	53Cr	56Cr	68Cr
Total Revenues	1.41TCr	1.52TCr	1.66TCr	1.9TCr	2.03TCr
Salaries And Other Employee Benefits	717.3Cr	734Cr	792.4Cr	799Cr	860.1Cr
Occupancy Expense	156.8Cr	118.6Cr	107.1Cr	112.6Cr	117Cr
Selling General & Admin Expenses, Total	185.5Cr	230.8Cr	245Cr	320Cr	342.4Cr
(Income) Loss on Equity Invest.	-20Cr	-16Cr	-14Cr	-11Cr	-6.2Cr
Total Other Non Interest Expense	-	-	-	-	-
Non Interest Expense, Total	1.04TCr	1.07TCr	1.13TCr	1.22TCr	1.31TCr
EBT, Excl. Unusual Items	373.8Cr	449.4Cr	532.7Cr	677.8Cr	713.3Cr
Restructuring Charges	-34Cr	-12Cr	-11Cr	-18Cr	-11Cr
Impairment of Goodwill	-	-1.4Cr	-	-	-
Asset Writedown	-5.5Cr	-7.9Cr	-13Cr	-59Cr	-6.3Cr
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	1Cr	-	-
EBT, Incl. Unusual Items	334.7Cr	428.6Cr	509.3Cr	601.4Cr	696.3Cr
Income Tax Expense	103.4Cr	138.4Cr	163.1Cr	197.2Cr	186.6Cr
Earnings From Continuing Operations	231.3Cr	290.2Cr	346.2Cr	404.2Cr	509.7Cr
Net Income to Company	231.3Cr	290.2Cr	346.2Cr	404.2Cr	509.7Cr
Minority Interest	20L	4.6Cr	70L	80L	-1.2Cr
Net Income - (IS)	231.5Cr	294.8Cr	346.9Cr	405Cr	508.5Cr
Preferred Dividend and Other Adjustments	41Cr	40Cr	45Cr	46Cr	53Cr
Net Income to Common Incl Extra Items	190.5Cr	254.7Cr	301.7Cr	359.3Cr	455.8Cr
Net Income to Common Excl. Extra Items	190.5Cr	254.7Cr	301.7Cr	359.3Cr	455.8Cr
Per Share Items
Net EPS - Basic	0.61	0.86	1.09	1.41	1.95
Basic EPS - Continuing Operations	0.61	0.86	1.09	1.41	1.95
Basic Weighted Average Shares Outstanding	310.8Cr	296.6Cr	277.8Cr	254.3Cr	233.3Cr
Net EPS - Diluted	0.6	0.84	1.06	1.38	1.9
Diluted EPS - Continuing Operations	0.6	0.84	1.06	1.38	1.9
Diluted Weighted Average Shares Outstanding	315.4Cr	302.3Cr	284.1Cr	261Cr	240.4Cr
Normalized Basic EPS	0.75	0.96	1.2	1.67	1.91
Normalized Diluted EPS	0.74	0.94	1.17	1.63	1.85
Dividend Per Share	0.12	0.18	0.27	0.37	0.61
Payout Ratio	33.87	26.93	29.4	30.54	29.12
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	30.89	32.29	32.02	32.79	26.8
Current Domestic Taxes	90L	4.8Cr	-3.4Cr	1.7Cr	70L
Current Foreign Taxes	87Cr	122.1Cr	168.4Cr	174.4Cr	182.8Cr
Total Current Taxes	88Cr	126.9Cr	165Cr	176.1Cr	183.5Cr
Total Deferred Taxes	16Cr	12Cr	-1.9Cr	21Cr	3.1Cr
Normalized Net Income	233.82Cr	285.48Cr	333.64Cr	424.42Cr	444.61Cr
Non-Cash Pension Expense	-20L	50L	1.6Cr	1Cr	6.9Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	17Cr	20Cr	23Cr	33Cr	40Cr
Total Stock-Based Compensation	17Cr	20Cr	23Cr	33Cr	40Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	9.05TCr	7.08TCr	10TCr	8.34TCr	8.84TCr
Investment Securities, Total	25TCr	26TCr	26TCr	24TCr	26TCr
Trading Asset Securities, Total	10TCr	10TCr	12TCr	17TCr	18TCr
Total investments	35TCr	37TCr	38TCr	42TCr	44TCr
Gross Loans	32TCr	31TCr	28TCr	29TCr	30TCr
Allowance For Loan Losses	-568.1Cr	-548.6Cr	-519.4Cr	-492Cr	-407.5Cr
Net Loans	31TCr	30TCr	28TCr	28TCr	30TCr
Gross Property Plant And Equipment	901.6Cr	871.4Cr	443.3Cr	485.1Cr	538.7Cr
Accumulated Depreciation	-340Cr	-319.2Cr	-215.9Cr	-242.6Cr	-282.8Cr
Net Property Plant And Equipment	561.6Cr	552.2Cr	227.4Cr	242.5Cr	255.9Cr
Goodwill	259.5Cr	247.1Cr	242.9Cr	238.7Cr	242.3Cr
Other Intangibles, Total	287.6Cr	339.8Cr	378.5Cr	340.4Cr	380.8Cr
Other Receivables	77Cr	50Cr	48Cr	66Cr	57Cr
Restricted Cash	1.74TCr	2.17TCr	1.65TCr	1.88TCr	2.45TCr
Other Current Assets, Total	744Cr	1TCr	916.8Cr	961.5Cr	1.07TCr
Deferred Tax Assets Long-Term (Collected)	86Cr	83Cr	70Cr	41Cr	49Cr
Other Real Estate Owned And Foreclosed	1.18Cr	1.49Cr	1.65Cr	2.37Cr	-
Other Long-Term Assets, Total	3.58TCr	3.26TCr	3.19TCr	2.71TCr	4.87TCr
Total Assets	83TCr	82TCr	82TCr	85TCr	92TCr
Liabilities
Accrued Expenses, Total	470.6Cr	597.6Cr	707.7Cr	702.7Cr	760.5Cr
Interest Bearing Deposits	52TCr	50TCr	52TCr	51TCr	58TCr
Total Deposits	52TCr	50TCr	52TCr	51TCr	58TCr
Short-Term Borrowings	12TCr	12TCr	11TCr	13TCr	11TCr
Current Portion of Long-Term Debt	3.42TCr	3.24TCr	2.78TCr	3.13TCr	3.38TCr
Current Portion of Leases	29Cr	27Cr	25Cr	28Cr	29Cr
Long-Term Debt	4.93TCr	5.12TCr	5.76TCr	5.74TCr	6.39TCr
Long-Term Leases	89Cr	76Cr	81Cr	88Cr	93Cr
Current Income Taxes Payable	35Cr	58Cr	81Cr	73Cr	71Cr
Other Current Liabilities - (Bank / Utility Template)	4.15TCr	4.29TCr	4.37TCr	5.14TCr	5.46TCr
Pension & Other Post Retirement Benefits	21Cr	15Cr	18Cr	27Cr	32Cr
Deferred Tax Liability Non-Current	80Cr	77Cr	77Cr	57Cr	75Cr
Other Non Current Liabilities	857Cr	802.6Cr	733.1Cr	722.1Cr	746.9Cr
Total Liabilities	78TCr	77TCr	77TCr	80TCr	87TCr
Preferred Stock Redeemable	75T	75T	75T	75T	75T
Preferred Stock - Others	149.39Cr	149.39Cr	149.39Cr	149.39Cr	149.39Cr
Total Preferred Equity	149.4Cr	149.4Cr	149.4Cr	149.4Cr	149.4Cr
Common Stock, Total	153.9Cr	144.7Cr	133.2Cr	121.2Cr	113.1Cr
Additional Paid In Capital	398.9Cr	398.9Cr	398.9Cr	398.9Cr	398.9Cr
Retained Earnings	2.72TCr	2.81TCr	2.85TCr	2.9TCr	2.96TCr
Comprehensive Income and Other	1.81TCr	1.47TCr	1.47TCr	1.52TCr	1.79TCr
Total Common Equity	5.08TCr	4.82TCr	4.85TCr	4.94TCr	5.26TCr
Minority Interest	37Cr	35Cr	40Cr	39Cr	46Cr
Total Equity	5.26TCr	5TCr	5.04TCr	5.13TCr	5.46TCr
Total Liabilities And Equity	83TCr	82TCr	82TCr	85TCr	92TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	305.67Cr	286.72Cr	263.7Cr	240.88Cr	224.79Cr
ECS Total Common Shares Outstanding	305.67Cr	286.72Cr	263.7Cr	240.88Cr	224.79Cr
Book Value / Share	14.56	14.53	16.29	17.81	20.06
Tangible Book Value	4.53TCr	4.23TCr	4.22TCr	4.36TCr	4.64TCr
Tangible Book Value Per Share	12.77	12.49	13.93	15.4	17.29
Tangible Book Value Per Share (As Reported)	12.77	12.49	13.93	15.41	17.3
Average Assets	82TCr	86TCr	85TCr	86TCr	92TCr
Average Loans	43TCr	44TCr	44TCr	43TCr	45TCr
Total Debt	20TCr	21TCr	20TCr	22TCr	21TCr
Deposits at Interest - Cash	3.51TCr	3.96TCr	4.39TCr	3.43TCr	3.88TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	18Cr	12Cr	17Cr	10Cr	15Cr
Net Debt	-7.55TCr	-5.64TCr	-12TCr	-14TCr	-15TCr
Equity Method Investments, Total	214.7Cr	163.1Cr	97Cr	102Cr	142.6Cr
Full Time Employees	81.77T	83.08T	84.84T	80.95T	81.51T
Part Time Employees	187	189	162	199	378
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	424.8Cr	442Cr	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-115.5Cr	-118.5Cr	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	231.5Cr	294.8Cr	346.9Cr	405Cr	508.5Cr
Depreciation, Depletion & Amortization	71Cr	65Cr	44Cr	43Cr	48Cr
Amortization of Goodwill and Intangible Assets - (CF)	80L	40L	10L	40L	20L
Total Depreciation, Depletion & Amortization	72Cr	66Cr	45Cr	43Cr	48Cr
Amortization of Deferred Charges, Total	46Cr	53Cr	62Cr	70Cr	69Cr
(Gain) Loss On Sale of Asset - (CF)	-9.3Cr	-6.2Cr	-3.1Cr	19Cr	-38Cr
(Gain) Loss on Sale of Investments - (CF)	-17Cr	74Cr	36Cr	-55Cr	-69Cr
Total Asset Writedown	31Cr	-27Cr	-153.6Cr	-155.2Cr	-196.4Cr
Restructuring Activities	1.7Cr	3.8Cr	2.8Cr	-	20L
Provision for Credit Losses	25Cr	84Cr	51Cr	55Cr	67Cr
(Income) Loss On Equity Investments - (CF)	-20Cr	-16Cr	-14Cr	-11Cr	-6.2Cr
Stock-Based Compensation (CF)	17Cr	20Cr	22Cr	33Cr	40Cr
Change in Trading Asset Securities	882Cr	-198.5Cr	-1.64TCr	-5.78TCr	-204.3Cr
Change in Other Net Operating Assets (Collected)	-6.76TCr	1.95TCr	-1.39TCr	2.35TCr	-3.95TCr
Other Operating Activities	39Cr	148.2Cr	297.7Cr	253.6Cr	281Cr
Cash from Operations	-5.46TCr	2.44TCr	-2.34TCr	-2.77TCr	-3.45TCr
Capital Expenditure	-35Cr	-84Cr	-16Cr	-46Cr	-32Cr
Sale of Property, Plant, and Equipment	96Cr	42Cr	24Cr	11Cr	16Cr
Divestitures	-	-	-	7.4Cr	4.8Cr
Purchase / Sale of Intangible Assets	-99Cr	-109.6Cr	-112.4Cr	-95Cr	-103Cr
Investment in Marketable and Equity Securities, Total	-861.9Cr	-2.11TCr	1.68TCr	1.27TCr	-1.72TCr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-899.5Cr	-2.26TCr	1.58TCr	1.15TCr	-1.83TCr
Long-Term Debt Issued, Total	1.21TCr	1.27TCr	1.53TCr	1.1TCr	1.16TCr
Total Debt Issued	1.21TCr	1.27TCr	1.53TCr	1.1TCr	1.16TCr
Long-Term Debt Repaid, Total	-1.08TCr	-995.5Cr	-886.5Cr	-1.29TCr	-1.17TCr
Total Debt Repaid	-1.08TCr	-995.5Cr	-886.5Cr	-1.29TCr	-1.17TCr
Issuance of Common Stock	273.5Cr	125.2Cr	2.6Cr	160.1Cr	204.5Cr
Repurchase of Common Stock	-179.1Cr	-247.2Cr	-321.5Cr	-325.4Cr	-422.7Cr
Common Dividends Paid	-72Cr	-72Cr	-92Cr	-113Cr	-138.2Cr
Preferred Dividends Paid	-6.6Cr	-7.3Cr	-10Cr	-11Cr	-9.9Cr
Common & Preferred Stock Dividends Paid	-78Cr	-79Cr	-102Cr	-123.7Cr	-148.1Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	6.68TCr	-925.9Cr	1.79TCr	725.3Cr	7.14TCr
Other Financing Activities, Total	-120.7Cr	-145.5Cr	-161.8Cr	-187.3Cr	-232.3Cr
Cash from Financing	6.71TCr	-1TCr	1.85TCr	63Cr	6.52TCr
Foreign Exchange Rate Adjustments	-175.7Cr	-271.3Cr	-80Cr	-204.5Cr	261.7Cr
Net Change in Cash	173.1Cr	-1.09TCr	1TCr	-1.77TCr	1.5TCr
Supplemental Items
Cash Interest Paid	359.1Cr	620Cr	2.01TCr	2.37TCr	2.09TCr
Cash Income Tax Paid (Refund)	116.1Cr	82Cr	136.7Cr	204.5Cr	180.4Cr
Net Debt Issued / Repaid	131.2Cr	269.7Cr	641.4Cr	-186.3Cr	-16Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.29	0.35	0.42	0.48	0.58
Return On Equity %	4.48	5.65	6.9	7.95	9.63
Return on Common Equity	3.82	5.15	6.24	7.34	8.94
Shareholders Value Added	-344.79Cr	-291.27Cr	-225.68Cr	-170.75Cr	-97Cr
Margin Analysis
SG&A Margin	74.95	71.41	68.82	64.87	65.11
Net Interest Income / Total Revenues %	48.08	50.05	46.71	33.53	29.38
EBT Excl. Non-Recurring Items Margin %	26.44	29.62	32.03	35.7	35.2
Income From Continuing Operations Margin %	16.36	19.13	20.82	21.29	25.15
Net Income Margin %	16.37	19.43	20.86	21.33	25.09
Net Avail. For Common Margin %	13.47	16.79	18.14	18.92	22.49
Normalized Net Income Margin	16.54	18.82	20.06	22.35	21.94
Asset quality
Nonperforming Loans / Total Loans %	2.57	2.53	2.55	2.15	1.98
Nonperforming Loans / Total Assets %	0.98	0.96	0.88	0.73	0.65
Nonperforming Assets / Total Assets %	0.98	0.96	0.88	0.73	0.65
NPAs / Loans and OREO	2.57	2.54	2.55	2.15	1.98
NPAs / Equity	15.4	15.71	14.39	12.14	10.93
Allowance for Credit Losses / Net Charge-offs %	612.84	836.28	687.04	501.53	295.93
Allowance for Credit Losses / Nonperforming Loans %	70.18	69.93	71.86	79.32	68.33
Allowance for Credit Losses / Total Loans %	1.8	1.77	1.83	1.7	1.36
Net Charge-offs / Total Average Loans %	0.21	0.15	0.17	0.23	0.31
Provision for Loan Losses / Net Charge-offs %	28.37	127.74	69.84	56.78	49.09
Earning Assets / IBL	108.46	107.62	105.95	99.92	94.68
Interest Income / Average Assets	1.25	1.77	3.2	3.24	2.66
Interest Expense / Average Assets	0.42	0.89	2.29	2.5	2.01
Net Interest Income / Average Assets	0.83	0.88	0.91	0.74	0.64
Non Interest Income / Average Assets	0.93	0.98	1.1	1.53	1.62
Non Interest Expense / Average Asset	1.27	1.24	1.33	1.42	1.42
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.16	6	5.88	5.85	5.77
Total Average Equity / Total Average Assets %	6.39	6.23	6.11	6.08	5.98
Total Equity + Allowance for Loan Losses / Total Loans %	18.38	17.81	19.44	19.3	19.37
Gross Loans / Total Deposits %	61.2	61.53	54.92	56.31	51.56
Net Loans / Total Deposits %	60.1	60.44	53.91	55.35	50.86
Tier 1 Capital Ratio %	16.6	16.6	16.3	16.9	17
Total Capital Ratio %	21.3	21.7	21.2	21.5	20.6
Core Tier 1 Capital Ratio	14.1	14	14.1	14.2	14.1
Tier 2 Capital Ratio	4.61	5.11	4.89	4.62	3.6
Coverage Ratio	70.18	69.93	71.86	79.32	68.33
Interbank Ratio	138.75	131.64	155.32	165.69	134.04
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.97	1.56	1.26	1.28	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.79	11.69	2.32	-18.06	-6.46
Non Interest Income, 1 Yr. Growth %	-3.78	10.71	11.56	40.33	13.74
Provision For Loan Losses, 1 Yr. Growth %	-88.54	218.63	-36.84	5.49	21.36
Total Revenues, 1 Yr. Growth %	13.47	7.31	9.6	14.16	6.74
Earnings From Cont. Operations, 1 Yr. Growth %	207.99	25.46	19.3	16.75	26.1
Net Income, 1 Yr. Growth %	219.75	27.34	17.67	16.75	25.56
Normalized Net Income, 1 Yr. Growth %	58.07	22.09	16.82	27.21	4.76
Diluted EPS Before Extra, 1 Yr. Growth %	486.41	39.57	25.98	29.66	37.69
Dividend Per Share, 1 Yr. Growth %	33.33	50	50	37.04	64.59
Gross Loans, 1 Yr. Growth %	3.81	-1.81	-3.97	1.92	3.92
Allowance For Loan Losses, 1 Yr. Growth %	-14.31	-3.43	-5.32	-5.28	-17.17
Net Loans, 1 Yr. Growth %	4.22	-1.78	-3.95	2.06	4.28
Non Performing Loans, 1 Yr. Growth %	-12.14	-3.09	-7.86	-14.18	-3.85
Non Performing Assets, 1 Yr. Growth %	-12.24	-3.05	-7.83	-14.05	-4.22
Total Assets, 1 Yr. Growth %	4.91	-0.95	0.36	3.26	8.27
Total Deposits, 1 Yr Growth %	7.4	-2.33	2.65	-0.59	13.47
Tangible Book Value, 1 Yr. Growth %	3.31	-6.62	-0.13	3.21	6.4
Average Interest Earning Assets, 1 Yr. Growth %	6.28	1.07	1.26	-5.8	2.15
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.89	1.86	2.86	-0.1	7.8
Common Equity, 1 Yr. Growth %	3.8	-5.12	0.6	1.93	6.54
Total Equity, 1 Yr. Growth %	3.76	-4.98	0.67	1.85	6.44
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.84	5.27	6.9	-8.44	-12.45
Non Interest Income, 2 Yr. CAGR %	-0.95	3.21	11.13	25.12	26.34
Provision For Loan Losses, 2 Yr. CAGR %	-46.12	-39.56	41.69	-18.37	13.15
Total Revenues, 2 Yr. CAGR %	-1.29	10.35	8.46	11.86	10.39
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.58	96.58	22.34	18.02	21.34
Net Income, 2 Yr. CAGR %	0.26	101.79	22.41	17.21	21.07
Normalized Net Income, 2 Yr. CAGR %	-3.17	38.92	19.45	21.9	15.44
Diluted EPS Before Extra, 2 Yr. CAGR %	3.49	186.09	32.6	27.81	33.62
Dividend Per Share, 2 Yr. CAGR %	30.93	41.42	50	43.37	50.19
Gross Loans, 2 Yr. CAGR %	1.93	0.96	-5.15	-1.07	2.92
Allowance For Loan Losses, 2 Yr. CAGR %	-0.96	-9.04	-4.38	-5.3	-11.42
Net Loans, 2 Yr. CAGR %	1.99	1.17	-5.16	-0.99	3.16
Non Performing Loans, 2 Yr. CAGR %	4.6	-7.73	-5.51	-11.08	-9.16
Non Performing Assets, 2 Yr. CAGR %	4.42	-7.76	-5.47	-10.99	-9.27
Total Assets, 2 Yr. CAGR %	7.2	1.94	-0.3	1.8	5.74
Total Deposits, 2 Yr CAGR %	7.98	2.42	0.13	1.02	6.21
Tangible Book Value, 2 Yr. CAGR %	1.97	-1.78	-3.43	1.53	4.79
Average Interest Earning Assets, 2 Yr. CAGR %	6.33	3.64	1.17	-2.33	-1.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.71	4.83	2.36	1.36	3.77
Common Equity, 2 Yr. CAGR %	1.94	-0.76	-2.3	1.26	4.21
Total Equity, 2 Yr. CAGR %	1.93	-0.71	-2.19	1.26	4.12
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.46	-0.32	4.28	-2.16	-7.78
Non Interest Income, 3 Yr. CAGR %	3.16	2.79	5.92	20.12	21.2
Provision For Loan Losses, 3 Yr. CAGR %	-29.17	-2.57	-38.72	28.42	-6.84
Total Revenues, 3 Yr. CAGR %	0.38	1.5	10.1	10.33	10.13
Earnings From Cont. Operations, 3 Yr. CAGR %	27.77	7.44	66.43	20.45	20.65
Net Income, 3 Yr. CAGR %	29.99	8.58	68.59	20.49	19.93
Normalized Net Income, 3 Yr. CAGR %	12.34	4.61	31.14	21.98	15.9
Diluted EPS Before Extra, 3 Yr. CAGR %	48.35	14.34	117.65	31.61	31.02
Dividend Per Share, 3 Yr. CAGR %	-17.02	37	44.22	45.55	50.12
Gross Loans, 3 Yr. CAGR %	3.19	0.67	-2.25	-2.85	0.57
Allowance For Loan Losses, 3 Yr. CAGR %	-4.06	-1.79	-7.81	-4.68	-9.44
Net Loans, 3 Yr. CAGR %	3.34	0.71	-2.13	-2.81	0.74
Non Performing Loans, 3 Yr. CAGR %	-1.44	1.97	-7.77	-8.49	-8.73
Non Performing Assets, 3 Yr. CAGR %	-1.46	1.87	-7.78	-8.42	-8.79
Total Assets, 3 Yr. CAGR %	6.32	4.41	1.41	0.87	3.91
Total Deposits, 3 Yr CAGR %	6.4	4.42	2.5	-0.11	5.01
Tangible Book Value, 3 Yr. CAGR %	1.34	-0.97	-1.23	-1.26	3.13
Average Interest Earning Assets, 3 Yr. CAGR %	5.52	4.55	2.84	-1.21	-0.86
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.24	5.72	4.17	1.53	3.47
Common Equity, 3 Yr. CAGR %	1.48	-0.47	-0.31	-0.91	2.99
Total Equity, 3 Yr. CAGR %	1.49	-0.43	-0.25	-0.86	2.96
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.7	-1.48	-0.07	-3.65	-2.77
Non Interest Income, 5 Yr. CAGR %	4.97	6.21	6.28	11.2	13.66
Provision For Loan Losses, 5 Yr. CAGR %	-35.64	-6.93	-6.53	-9.27	-21.68
Total Revenues, 5 Yr. CAGR %	4.44	2.81	3.53	5.52	10.22
Earnings From Cont. Operations, 5 Yr. CAGR %	64.68	18.01	25.57	11.55	46.67
Net Income, 5 Yr. CAGR %	56.45	19.32	26.9	11.95	47.68
Normalized Net Income, 5 Yr. CAGR %	24	8.29	15.13	11.22	24.62
Diluted EPS Before Extra, 5 Yr. CAGR %	32.98	29.33	41.84	19.54	79.06
Dividend Per Share, 5 Yr. CAGR %	-	10.35	5.15	39.51	46.58
Gross Loans, 5 Yr. CAGR %	3.57	1.59	-0.23	-0.96	-0.22
Allowance For Loan Losses, 5 Yr. CAGR %	-2.71	-0.79	-4.19	-3.21	-9.28
Net Loans, 5 Yr. CAGR %	3.71	1.63	-0.15	-0.92	-0.05
Non Performing Loans, 5 Yr. CAGR %	-3.53	-2	-3.08	-3.46	-8.33
Non Performing Assets, 5 Yr. CAGR %	-3.6	-2.02	-3.08	-3.48	-8.38
Total Assets, 5 Yr. CAGR %	5.06	4.32	3.62	3.36	3.12
Total Deposits, 5 Yr CAGR %	6.38	4.31	3.84	3.05	3.97
Tangible Book Value, 5 Yr. CAGR %	0.76	-1.85	-0.6	0.02	1.14
Average Interest Earning Assets, 5 Yr. CAGR %	1.92	1.39	3.76	1.74	0.92
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.74	2.02	4.67	3.96	4.01
Common Equity, 5 Yr. CAGR %	0.99	-1.31	-0.05	0.22	1.48
Total Equity, 5 Yr. CAGR %	1.58	-0.7	0	0.24	1.48