Cash flow Swedbank AB

Equities

SWED A

SE0000242455

Banks

Market Closed - Nasdaq Stockholm Other stock markets 09:30:00 15/05/2026 pm IST			5-day change	1st Jan Change
323.10 ^SEK	+1.06%		-0.25%	+0.62%

12/05	Morgan Stanley raises Swedbank price target to SEK 309 (300), reiterates underweight - BN	FW
11/05	Di: Bank earnings fail to trigger sell-off - Nordea remains top pick	FW

5002822c586ffdcd21a.8kxN_JRGSRq8wcH8jNij4Ye_GTfKJCuavP7ZbU0Sw74.nXQdlsIAcUXF9KCa9pvv1smSKnyNdUij8paKWWB-jubAeTqX9Sk6fYWJpg

Published financial data: SWEDBANK AB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.99TCr	4.5TCr	10TCr	11TCr	8.37TCr
Interest Income On Investments	45Cr	30Cr	61Cr	60Cr	-
Interest Income, Total	3.04TCr	4.53TCr	10TCr	11TCr	8.37TCr
Interest On Deposits	410.7Cr	1.21TCr	5.14TCr	6.14TCr	3.97TCr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	410.7Cr	1.21TCr	5.14TCr	6.14TCr	3.97TCr
Net Interest Income	2.63TCr	3.32TCr	5.09TCr	4.93TCr	4.4TCr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-9.3Cr	-61Cr	54Cr	40Cr	21Cr
Income (Loss) on Equity Invest. (Income Block)	98Cr	74Cr	80Cr	77Cr	78Cr
Total Other Non Interest Income	1.98TCr	1.99TCr	2.08TCr	2.37TCr	2.37TCr
Non Interest Income, Total	2.06TCr	2.01TCr	2.21TCr	2.48TCr	2.47TCr
Revenues Before Provison For Loan Losses	4.69TCr	5.32TCr	7.31TCr	7.41TCr	6.87TCr
Provision For Loan Losses	17Cr	147.9Cr	167.4Cr	-27Cr	-3.4Cr
Total Revenues	4.67TCr	5.17TCr	7.14TCr	7.44TCr	6.88TCr
Salaries And Other Employee Benefits	1.24TCr	1.29TCr	1.35TCr	1.44TCr	1.52TCr
Occupancy Expense	163.1Cr	169.5Cr	192Cr	217.1Cr	222.5Cr
Selling General & Admin Expenses, Total	685.2Cr	679.2Cr	871.6Cr	879.5Cr	860.5Cr
(Income) Loss on Real Estate Property	-	-	-	-	-
Total Other Non Interest Expense	-	183.1Cr	357.4Cr	402Cr	144.3Cr
Non Interest Expense, Total	2.08TCr	2.32TCr	2.77TCr	2.94TCr	2.75TCr
EBT, Excl. Unusual Items	2.59TCr	2.85TCr	4.37TCr	4.5TCr	4.13TCr
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-61Cr	-	-	-
Asset Writedown	-5.6Cr	-53Cr	-8.8Cr	-79Cr	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	2.58TCr	2.74TCr	4.36TCr	4.42TCr	4.13TCr
Income Tax Expense	494.5Cr	547.8Cr	949.2Cr	932Cr	849.6Cr
Earnings From Continuing Operations	2.09TCr	2.19TCr	3.41TCr	3.49TCr	3.28TCr
Net Income to Company	2.09TCr	2.19TCr	3.41TCr	3.49TCr	3.28TCr
Minority Interest	-10L	-30L	-20L	30L	-
Net Income - (IS)	2.09TCr	2.19TCr	3.41TCr	3.49TCr	3.28TCr
Preferred Dividend and Other Adjustments	-	-	-	-	-40L
Net Income to Common Incl Extra Items	2.09TCr	2.19TCr	3.41TCr	3.49TCr	3.28TCr
Net Income to Common Excl. Extra Items	2.09TCr	2.19TCr	3.41TCr	3.49TCr	3.28TCr
Per Share Items
Net EPS - Basic	18.62	19.48	30.35	30.99	29.14
Basic EPS - Continuing Operations	18.62	19.48	30.35	30.99	29.14
Basic Weighted Average Shares Outstanding	112.11Cr	112.28Cr	112.45Cr	112.52Cr	112.43Cr
Net EPS - Diluted	18.56	19.43	30.27	30.86	28.98
Diluted EPS - Continuing Operations	18.56	19.43	30.27	30.86	28.98
Diluted Weighted Average Shares Outstanding	112.48Cr	112.59Cr	112.74Cr	112.98Cr	113.03Cr
Normalized Basic EPS	14.42	15.86	24.29	24.98	22.93
Normalized Diluted EPS	14.38	15.82	24.23	24.88	22.81
Dividend Per Share	9.25	9.75	15.15	21.7	20.45
Payout Ratio	78.15	57.74	32.13	48.89	74.46
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	19.15	20.02	21.76	21.09	20.59
Current Domestic Taxes	395Cr	497.9Cr	422.3Cr	507.5Cr	-
Current Foreign Taxes	70Cr	118.8Cr	306.6Cr	332Cr	-
Total Current Taxes	464.5Cr	616.7Cr	728.9Cr	839.5Cr	-
Total Deferred Taxes	27Cr	-74Cr	241.4Cr	92Cr	-
Normalized Net Income	1.62TCr	1.78TCr	2.73TCr	2.81TCr	2.58TCr
Non-Cash Pension Expense	4.5Cr	2.9Cr	-11Cr	-8.2Cr	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	38Cr	32Cr	48Cr	62Cr	-
Total Stock-Based Compensation	38Cr	32Cr	48Cr	62Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	36TCr	37TCr	25TCr	33TCr	26TCr
Investment Securities, Total	56TCr	51TCr	60TCr	73TCr	70TCr
Trading Asset Securities, Total	5.1TCr	3.7TCr	3.71TCr	5.01TCr	1.67TCr
Mortgage Backed Securities	2.91TCr	3.15TCr	3.62TCr	2.71TCr	-
Total investments	64TCr	58TCr	68TCr	80TCr	72TCr
Gross Loans	1,72400Cr	1,87900Cr	1,85600Cr	1,84000Cr	2,02700Cr
Allowance For Loan Losses	-502.2Cr	-604.9Cr	-712.7Cr	-624.6Cr	-559.9Cr
Other Adjustments to Gross Loans	-171.4Cr	-407Cr	-664.2Cr	-570.6Cr	-
Net Loans	1,71700Cr	1,86900Cr	1,84200Cr	1,82800Cr	2,02100Cr
Gross Property Plant And Equipment	1.04TCr	1.12TCr	1.21TCr	919.9Cr	-
Accumulated Depreciation	-489.1Cr	-579.7Cr	-659.7Cr	-487.4Cr	-
Net Property Plant And Equipment	549.8Cr	543.3Cr	553.8Cr	432.5Cr	-
Goodwill	1.35TCr	1.38TCr	1.38TCr	1.42TCr	-
Other Intangibles, Total	598.7Cr	611.2Cr	665.4Cr	669.6Cr	2.27TCr
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	186.7Cr	189.2Cr	241Cr	297.5Cr	-
Restricted Cash	-	-	4.23TCr	1.02TCr	-
Other Current Assets, Total	150Cr	160.1Cr	212.6Cr	311.3Cr	-
Deferred Tax Assets Long-Term (Collected)	11Cr	16Cr	8.2Cr	9.6Cr	-
Other Real Estate Owned And Foreclosed	2.8Cr	2.9Cr	2.9Cr	3.4Cr	-
Other Long-Term Assets, Total	918.6Cr	1.09TCr	1.01TCr	1.21TCr	4.03TCr
Total Assets	2,75100Cr	2,85500Cr	2,85600Cr	3,01000Cr	3,06300Cr
Liabilities
Accrued Expenses, Total	316.9Cr	298.8Cr	340.9Cr	337.4Cr	-
Interest Bearing Deposits	1,26100Cr	1,29800Cr	1,23000Cr	1,28500Cr	1,30000Cr
Total Deposits	1,26100Cr	1,29800Cr	1,23000Cr	1,28500Cr	1,30000Cr
Short-Term Borrowings	23TCr	42TCr	37TCr	34TCr	29TCr
Current Portion of Long-Term Debt	4.63TCr	3.52TCr	5.53TCr	3.19TCr	4.96TCr
Current Portion of Leases	79Cr	82Cr	93Cr	92Cr	-
Long-Term Debt	65TCr	56TCr	59TCr	64TCr	66TCr
Long-Term Leases	297Cr	281.4Cr	274.5Cr	225.8Cr	-
Current Income Taxes Payable	67Cr	181.1Cr	387.2Cr	319.7Cr	-
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	14TCr	12TCr	12TCr	14TCr	3.78TCr
Unearned Revenue Non Current	164.4Cr	167.6Cr	195.5Cr	240.9Cr	-
Pension & Other Post Retirement Benefits	180.1Cr	17Cr	18Cr	18Cr	-
Deferred Tax Liability Non-Current	339.8Cr	359.9Cr	574Cr	700.5Cr	-
Other Non Current Liabilities	25TCr	23TCr	27TCr	33TCr	51TCr
Total Liabilities	2,58900Cr	2,67900Cr	2,65700Cr	2,79100Cr	2,83700Cr
Common Stock, Total	2.49TCr	2.49TCr	2.49TCr	2.49TCr	2.49TCr
Additional Paid In Capital	1.73TCr	1.73TCr	1.73TCr	1.73TCr	1.73TCr
Retained Earnings	12TCr	13TCr	15TCr	17TCr	18TCr
Comprehensive Income and Other	199Cr	368.3Cr	361.8Cr	438.2Cr	280.2Cr
Total Common Equity	16TCr	18TCr	20TCr	22TCr	23TCr
Minority Interest	2.6Cr	2.9Cr	3Cr	2.8Cr	2.5Cr
Total Equity	16TCr	18TCr	20TCr	22TCr	23TCr
Total Liabilities And Equity	2,75100Cr	2,85500Cr	2,85600Cr	3,01000Cr	3,06300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	112.14Cr	112.31Cr	112.48Cr	112.53Cr	112.42Cr
ECS Total Common Shares Outstanding	112.14Cr	112.31Cr	112.48Cr	112.53Cr	112.42Cr
Book Value / Share	144.16	156.77	176.71	194.5	200.85
Tangible Book Value	14TCr	16TCr	18TCr	20TCr	20TCr
Tangible Book Value Per Share	126.79	139.06	158.54	175.95	180.69
Average Assets	2,88900Cr	3,02100Cr	3,06900Cr	3,11200Cr	2,85300Cr
Average Loans	1,73600Cr	1,86400Cr	1,92500Cr	1,94800Cr	-
Total Debt	93TCr	1,02100Cr	1,01600Cr	1,02000Cr	99TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	180.1Cr	-226.3Cr	-192.4Cr	-361.1Cr	-
Net Debt	50TCr	59TCr	68TCr	57TCr	71TCr
Equity Method Investments, Total	770.5Cr	783Cr	827.5Cr	909.3Cr	-
Full Time Employees	16.56T	16.8T	17.28T	17.57T	17.3T
Part Time Employees	-	-	-	1T	-
Number Of Offices	423	400	408	396	-
Assets on Operating Lease - Gross	-	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	2.09TCr	2.19TCr	3.41TCr	3.49TCr	3.28TCr
Depreciation, Depletion & Amortization	113.3Cr	117Cr	127.9Cr	131.3Cr	138.3Cr
Amortization of Goodwill and Intangible Assets - (CF)	13Cr	13Cr	12Cr	11Cr	84Cr
Total Depreciation, Depletion & Amortization	126.5Cr	130.2Cr	139.5Cr	142.4Cr	222.5Cr
Amortization of Deferred Charges, Total	37Cr	39Cr	52Cr	75Cr	-
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
Total Asset Writedown	-221Cr	123.2Cr	-487.7Cr	-630Cr	-
Provision for Credit Losses	40Cr	163.6Cr	184.7Cr	1.4Cr	-
(Income) Loss On Equity Investments - (CF)	-98Cr	-74Cr	-80Cr	-77Cr	-
Stock-Based Compensation (CF)	20Cr	17Cr	28Cr	41Cr	-
Change in Trading Asset Securities	-2.07TCr	1.69TCr	-2.7TCr	-977.6Cr	-
Change in Other Net Operating Assets (Collected)	-6.09TCr	-7.28TCr	-8.24TCr	1.77TCr	-7.73TCr
Other Operating Activities	-143Cr	-26Cr	372.8Cr	110.5Cr	-406.8Cr
Cash from Operations	-6.32TCr	-3.03TCr	-7.32TCr	3.94TCr	-4.63TCr
Capital Expenditure	-25Cr	-36Cr	-85Cr	-41Cr	-49Cr
Sale of Property, Plant, and Equipment	34Cr	17Cr	18Cr	31Cr	14Cr
Cash Acquisitions	-	-	-	-4.9Cr	-310.5Cr
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	54Cr	88Cr	25Cr	-50L	-37Cr
Other Investing Activities, Total	-	-	-	-	15Cr
Cash from Investing	63Cr	69Cr	-42Cr	-15Cr	-367.1Cr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	3.18TCr	3.64TCr	5.59TCr	2.76TCr	3.83TCr
Total Debt Issued	3.18TCr	3.64TCr	5.59TCr	2.76TCr	3.83TCr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-136.8Cr	-1.37TCr	-1.28TCr	-2.32TCr	-1.54TCr
Total Debt Repaid	-136.8Cr	-1.37TCr	-1.28TCr	-2.32TCr	-1.54TCr
Common Dividends Paid	-1.63TCr	-1.26TCr	-1.1TCr	-1.7TCr	-2.44TCr
Common & Preferred Stock Dividends Paid	-1.63TCr	-1.26TCr	-1.1TCr	-1.7TCr	-2.44TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	11TCr	1.17TCr	-7.2TCr	4.14TCr	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	13TCr	2.17TCr	-3.98TCr	2.87TCr	-142.7Cr
Foreign Exchange Rate Adjustments	215.4Cr	1.38TCr	39Cr	458.5Cr	-1.05TCr
Net Change in Cash	6.63TCr	583.9Cr	-11TCr	7.26TCr	-6.2TCr
Supplemental Items
Cash Interest Paid	406.8Cr	1.18TCr	5.43TCr	6.96TCr	-
Cash Income Tax Paid (Refund)	447.8Cr	453.7Cr	544.3Cr	873.2Cr	920.9Cr
Net Debt Issued / Repaid	3.05TCr	2.26TCr	4.31TCr	440.3Cr	2.3TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.78	0.78	1.2	1.19	1.08
Return On Equity %	13.17	12.95	18.21	16.69	14.73
Return on Common Equity	13.17	12.96	18.21	16.7	14.74
Shareholders Value Added	199.27Cr	174.5Cr	1.18TCr	992.2Cr	692.06Cr
Margin Analysis
SG&A Margin	44.35	41.16	33.57	33.89	37.91
Net Interest Income / Total Revenues %	56.2	64.08	71.35	66.25	63.98
EBT Excl. Non-Recurring Items Margin %	55.38	55.07	61.23	60.48	59.99
Income From Continuing Operations Margin %	44.67	42.29	47.81	46.88	47.64
Net Income Margin %	44.67	42.28	47.81	46.89	47.64
Net Avail. For Common Margin %	44.67	42.28	47.81	46.89	47.64
Normalized Net Income Margin	34.61	34.41	38.27	37.8	37.49
Asset quality
Nonperforming Loans / Total Loans %	0.37	0.4	0.52	0.76	0.59
Nonperforming Loans / Total Assets %	0.23	0.26	0.34	0.47	0.39
Nonperforming Assets / Total Assets %	0.23	0.27	0.34	0.47	0.39
NPAs / Loans and OREO	0.37	0.4	0.52	0.77	0.59
NPAs / Equity	3.98	4.31	4.85	6.44	5.28
Allowance for Credit Losses / Net Charge-offs %	127.72	733.21	2.53T	670.89	636.97
Allowance for Credit Losses / Nonperforming Loans %	78.94	80.13	74.26	44.48	46.96
Allowance for Credit Losses / Total Loans %	0.29	0.32	0.38	0.34	0.28
Net Charge-offs / Total Average Loans %	0.23	0.04	0.01	0.05	-
Provision for Loan Losses / Net Charge-offs %	4.32	179.27	593.62	-28.79	-3.87
Earning Assets / IBL	106.39	107.78	108.8	109.3	-
Interest Income / Average Assets	1.05	1.5	3.34	3.56	2.93
Interest Expense / Average Assets	0.14	0.4	1.68	1.97	1.39
Net Interest Income / Average Assets	0.91	1.1	1.66	1.58	1.54
Non Interest Income / Average Assets	0.71	0.66	0.72	0.8	0.87
Non Interest Expense / Average Asset	0.72	0.77	0.9	0.94	0.96
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.93	6.02	6.56	7.12	7.32
Total Average Equity / Total Average Assets %	5.93	6.03	6.56	7.12	7.32
Total Equity + Allowance for Loan Losses / Total Loans %	9.67	9.69	11.09	12.24	11.42
Gross Loans / Total Deposits %	136.72	144.72	150.85	143.21	155.88
Net Loans / Total Deposits %	136.18	143.94	149.73	142.28	155.45
Tier 1 Capital Ratio %	20.2	18.9	20.6	21.8	19.4
Total Capital Ratio %	22.4	21.8	23.1	24	21.9
Core Tier 1 Capital Ratio	18.3	17.8	19	19.8	17.8
Tier 2 Capital Ratio	2.19	2.84	2.46	2.26	2.49
Coverage Ratio	78.94	105.42	90.73	52.47	46.96
Interbank Ratio	61.11	93.18	109	54.73	58.7
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	7.29	3.25	1.85	1.72	2.04
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.22	22.59	53.66	-3.27	-10.69
Non Interest Income, 1 Yr. Growth %	9.62	-2.76	17.18	12.25	-0.41
Provision For Loan Losses, 1 Yr. Growth %	-96.08	770	13.18	-116.01	-87.31
Total Revenues, 1 Yr. Growth %	13.01	8.91	41.22	4.18	-7.54
Earnings From Cont. Operations, 1 Yr. Growth %	61.44	4.83	59.72	2.16	-6.04
Net Income, 1 Yr. Growth %	61.43	4.82	59.74	2.17	-6.04
Normalized Net Income, 1 Yr. Growth %	24.49	10.13	56.67	2.91	-8.27
Diluted EPS Before Extra, 1 Yr. Growth %	61.25	4.69	59.48	1.95	-6.09
Dividend Per Share, 1 Yr. Growth %	218.97	5.41	55.38	43.23	-5.76
Gross Loans, 1 Yr. Growth %	1.55	9.02	0.03	-0.89	5.41
Allowance For Loan Losses, 1 Yr. Growth %	-38.52	20.45	17.82	-12.36	-10.36
Net Loans, 1 Yr. Growth %	1.74	8.86	-0.17	-0.8	5.46
Non Performing Loans, 1 Yr. Growth %	-39.58	-10.59	27.14	46.3	0.18
Non Performing Assets, 1 Yr. Growth %	-39.57	-10.82	26.84	46.26	0.18
Total Assets, 1 Yr. Growth %	6.01	3.79	0.03	5.4	1.76
Total Deposits, 1 Yr Growth %	11.43	3.14	-5.23	4.4	1.21
Tangible Book Value, 1 Yr. Growth %	3.93	9.84	14.19	11.04	2.59
Average Interest Earning Assets, 1 Yr. Growth %	7.21	5.63	1.02	-1.06	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.91	4.27	0.07	-1.52	-
Common Equity, 1 Yr. Growth %	4.19	8.9	12.9	10.12	3.17
Total Equity, 1 Yr. Growth %	4.19	8.9	12.9	10.12	3.16
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.51	11.12	37.22	21.92	-7.05
Non Interest Income, 2 Yr. CAGR %	1.65	3.24	3.55	14.69	5.73
Provision For Loan Losses, 2 Yr. CAGR %	-65.98	-41.58	213.8	-57.43	-85.75
Total Revenues, 2 Yr. CAGR %	2.48	11.87	22.58	21.3	-1.85
Earnings From Cont. Operations, 2 Yr. CAGR %	2.91	30.09	27.88	27.74	-2.03
Net Income, 2 Yr. CAGR %	2.94	30.08	27.87	27.75	-2.03
Normalized Net Income, 2 Yr. CAGR %	2.8	17.09	29.98	26.98	-2.85
Diluted EPS Before Extra, 2 Yr. CAGR %	2.81	29.93	27.71	27.51	-2.15
Dividend Per Share, 2 Yr. CAGR %	45.82	83.36	27.98	49.19	16.18
Gross Loans, 2 Yr. CAGR %	1.91	5.22	3.78	-0.43	4.49
Allowance For Loan Losses, 2 Yr. CAGR %	-13.32	-13.95	19.13	1.62	-11.37
Net Loans, 2 Yr. CAGR %	1.97	5.24	3.59	-0.48	4.74
Non Performing Loans, 2 Yr. CAGR %	-31.59	-15.33	6.62	36.39	11.46
Non Performing Assets, 2 Yr. CAGR %	-31.52	-15.55	6.36	36.2	11.26
Total Assets, 2 Yr. CAGR %	6.87	4.9	1.89	2.68	3.57
Total Deposits, 2 Yr CAGR %	14.95	7.12	-1.13	-0.53	2.79
Tangible Book Value, 2 Yr. CAGR %	8.51	6.85	11.99	12.6	6.73
Average Interest Earning Assets, 2 Yr. CAGR %	6.43	6.42	3.3	-0.03	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	7.02	6.07	2.15	-0.73	-
Common Equity, 2 Yr. CAGR %	8	6.52	10.88	11.5	6.59
Total Equity, 2 Yr. CAGR %	8	6.52	10.88	11.5	6.58
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.34	8.46	23.79	22.13	9.9
Non Interest Income, 3 Yr. CAGR %	2.8	0.16	5.54	6.37	9.42
Provision For Loan Losses, 3 Yr. CAGR %	-31.16	0.23	-27.17	16.38	-71.57
Total Revenues, 3 Yr. CAGR %	2.25	5.16	19.97	16.11	10.81
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.48	3.54	38.2	18.65	15.31
Net Income, 3 Yr. CAGR %	-0.46	3.56	38.2	18.66	15.31
Normalized Net Income, 3 Yr. CAGR %	-1.21	5.19	28.12	20.25	13.93
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.59	3.43	38.03	18.47	15.15
Dividend Per Share, 3 Yr. CAGR %	-13.31	30.87	73.52	32.87	28.01
Gross Loans, 3 Yr. CAGR %	1.85	4.23	3.03	2.2	2.98
Allowance For Loan Losses, 3 Yr. CAGR %	-5.89	-3.27	-4.45	7.54	-2.54
Net Loans, 3 Yr. CAGR %	1.87	4.22	2.97	2.11	3.08
Non Performing Loans, 3 Yr. CAGR %	-17.28	-17.8	-3.04	18.48	16.46
Non Performing Assets, 3 Yr. CAGR %	-17.47	-17.89	-3.28	18.27	16.23
Total Assets, 3 Yr. CAGR %	6.99	5.84	3.24	3.05	2.37
Total Deposits, 3 Yr CAGR %	11.07	10.82	2.84	0.68	0.05
Tangible Book Value, 3 Yr. CAGR %	5.74	8.96	9.24	11.67	9.16
Average Interest Earning Assets, 3 Yr. CAGR %	4.11	6.16	4.59	1.82	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.54	6.1	4.03	0.91	-
Common Equity, 3 Yr. CAGR %	5.57	8.3	8.6	10.63	8.65
Total Equity, 3 Yr. CAGR %	5.52	8.3	8.6	10.62	8.65
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.82	6.16	15.09	13.65	10.38
Non Interest Income, 5 Yr. CAGR %	2.8	2.65	3.1	4.46	5.61
Provision For Loan Losses, 5 Yr. CAGR %	-34.09	2.85	26.29	-28.84	-62.08
Total Revenues, 5 Yr. CAGR %	3.44	4.81	10.31	10.82	10.71
Earnings From Cont. Operations, 5 Yr. CAGR %	1.32	2.47	10.01	12.08	20.44
Net Income, 5 Yr. CAGR %	1.33	2.49	10.03	12.1	20.44
Normalized Net Income, 5 Yr. CAGR %	1.7	2.85	10.25	12.94	14.7
Diluted EPS Before Extra, 5 Yr. CAGR %	1.18	2.35	9.89	11.94	20.28
Dividend Per Share, 5 Yr. CAGR %	-6.86	-5.59	1.3	37.91	47.79
Gross Loans, 5 Yr. CAGR %	2.89	3.98	2.62	2.08	3.61
Allowance For Loan Losses, 5 Yr. CAGR %	5.99	9.25	3.41	-1.35	-7.28
Net Loans, 5 Yr. CAGR %	2.88	3.94	2.56	2.05	3.67
Non Performing Loans, 5 Yr. CAGR %	-4.7	-2.53	-3.11	0.65	2.52
Non Performing Assets, 5 Yr. CAGR %	-5.42	-2.9	-3.39	0.53	2.29
Total Assets, 5 Yr. CAGR %	5.01	5.23	4.92	4.56	3.37
Total Deposits, 5 Yr CAGR %	10.02	8.92	5.98	6.13	2.82
Tangible Book Value, 5 Yr. CAGR %	4.29	5.94	8.19	10.4	8.23
Average Interest Earning Assets, 5 Yr. CAGR %	7.19	8.18	3.79	3.64	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.44	4.07	3.58	3.31	-
Common Equity, 5 Yr. CAGR %	4.54	5.71	7.66	9.57	7.79
Total Equity, 5 Yr. CAGR %	4.51	5.68	7.63	9.57	7.79