Cash flow The Saudi National Bank

Equities

1180

SA13L050IE10

Banks

Market Closed - Saudi Arabian S.E. Other stock markets 05:50:00 05/02/2026 pm IST			5-day change	1st Jan Change
43.50 ^SAR	-2.68%		-3.03%	+14.84%

06/02	Citi Lifts Saudi National Bank's PT, Maintains Buy Rating	MT
05/02	BofA Ups Saudi National Bank Price Objective, Forecasts Amid Increased Focus on Efficiency	MT

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Published financial data: THE SAUDI NATIONAL BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.52TCr	3.44TCr	4.99TCr	5.78TCr	6.1TCr
Interest Income On Investments	-	-	-	-	46Cr
Interest Income, Total	2.52TCr	3.44TCr	4.99TCr	5.78TCr	6.14TCr
Interest On Deposits	306.01Cr	810.63Cr	2.28TCr	3.01TCr	3.18TCr
Interest Expense, Total	306.01Cr	810.63Cr	2.28TCr	3.01TCr	3.18TCr
Net Interest Income	2.21TCr	2.63TCr	2.7TCr	2.77TCr	2.96TCr
Income From Trading Activities	-	-	-	-	61Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	634.19Cr	671.74Cr	758.05Cr	830.82Cr	896.26Cr
Non Interest Income, Total	634.19Cr	671.74Cr	758.05Cr	830.82Cr	957.68Cr
Revenues Before Provison For Loan Losses	2.85TCr	3.3TCr	3.46TCr	3.6TCr	3.92TCr
Provision For Loan Losses	392.7Cr	168.55Cr	92Cr	102.41Cr	103.41Cr
Total Revenues	2.45TCr	3.13TCr	3.37TCr	3.5TCr	3.82TCr
Salaries And Other Employee Benefits	426.88Cr	411.89Cr	452.01Cr	448.69Cr	472.11Cr
Amort. of Goodwill & Intang. Assets	69Cr	84Cr	82Cr	82Cr	82Cr
Occupancy Expense	110.04Cr	143.52Cr	145.89Cr	178.78Cr	148.41Cr
Selling General & Admin Expenses, Total	364.25Cr	338.46Cr	355.78Cr	394.2Cr	284.69Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Non Operating (Income) Expenses	23Cr	26Cr	54Cr	36Cr	39Cr
Non Interest Expense, Total	993.48Cr	1TCr	1.09TCr	1.14TCr	1.03TCr
EBT, Excl. Unusual Items	1.46TCr	2.13TCr	2.28TCr	2.36TCr	2.79TCr
Total Merger & Related Restructuring Charges	-16Cr	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
EBT, Incl. Unusual Items	1.44TCr	2.13TCr	2.28TCr	2.36TCr	2.79TCr
Income Tax Expense	165.34Cr	254.79Cr	266.37Cr	252.11Cr	290.52Cr
Earnings From Continuing Operations	1.28TCr	1.87TCr	2.01TCr	2.11TCr	2.5TCr
Net Income to Company	1.28TCr	1.87TCr	2.01TCr	2.11TCr	2.5TCr
Minority Interest	-12Cr	-15Cr	-9.89Cr	9.93Cr	2.17Cr
Net Income - (IS)	1.27TCr	1.86TCr	2TCr	2.12TCr	2.5TCr
Preferred Dividend and Other Adjustments	48Cr	57Cr	77Cr	76Cr	103.73Cr
Net Income to Common Incl Extra Items	1.22TCr	1.8TCr	1.92TCr	2.04TCr	2.4TCr
Net Income to Common Excl. Extra Items	1.22TCr	1.8TCr	1.92TCr	2.04TCr	2.4TCr
Per Share Items
Net EPS - Basic	2.24	3.04	3.23	3.44	4.04
Basic EPS - Continuing Operations	2.24	3.04	3.23	3.44	4.04
Basic Weighted Average Shares Outstanding	543.34Cr	591.75Cr	594.8Cr	594.46Cr	594.18Cr
Net EPS - Diluted	2.24	3.04	3.23	3.43	4.03
Diluted EPS - Continuing Operations	2.24	3.04	3.23	3.43	4.03
Diluted Weighted Average Shares Outstanding	544.25Cr	592.73Cr	595.6Cr	595.3Cr	595.12Cr
Normalized Basic EPS	1.66	2.22	2.38	2.5	2.94
Normalized Diluted EPS	1.66	2.22	2.37	2.5	2.93
Dividend Per Share	1.16	1.28	1.75	1.9	2.15
Payout Ratio	51.26	48.2	38.91	50.96	47.97
Supplemental Items
Effective Tax Rate - (Ratio)	11.45	11.98	11.7	10.68	10.41
Normalized Net Income	900.94Cr	1.31TCr	1.41TCr	1.49TCr	1.75TCr
Non-Cash Pension Expense	22Cr	11Cr	7.77Cr	8.75Cr	9.88Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	15Cr	19Cr	14Cr	22Cr	19Cr
Total Stock-Based Compensation	15Cr	19Cr	14Cr	22Cr	19Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	5.17TCr	2.02TCr	4.05TCr	751.72Cr	2.61TCr
Investment Securities, Total	22TCr	26TCr	27TCr	27TCr	29TCr
Trading Asset Securities, Total	2.75TCr	2.06TCr	2.13TCr	5.29TCr	5.82TCr
Total investments	25TCr	28TCr	29TCr	32TCr	35TCr
Gross Loans	52TCr	56TCr	62TCr	67TCr	75TCr
Allowance For Loan Losses	-1.09TCr	-1.14TCr	-1.03TCr	-1.04TCr	-735.6Cr
Other Adjustments to Gross Loans	-919.93Cr	-827.33Cr	-861.12Cr	-796.81Cr	-837.82Cr
Net Loans	50TCr	55TCr	60TCr	65TCr	73TCr
Gross Property Plant And Equipment	1.59TCr	1.79TCr	1.88TCr	2.07TCr	2.22TCr
Accumulated Depreciation	-652.98Cr	-791.95Cr	-868.5Cr	-986.73Cr	-1.07TCr
Net Property Plant And Equipment	937.2Cr	996.17Cr	1.01TCr	1.08TCr	1.15TCr
Goodwill	3.4TCr	3.4TCr	3.4TCr	3.4TCr	3.4TCr
Other Intangibles, Total	947.25Cr	894.79Cr	848.56Cr	782.42Cr	747.21Cr
Other Receivables	641.38Cr	396.67Cr	689.45Cr	2.11TCr	568.1Cr
Restricted Cash	3.42TCr	3.4TCr	3.47TCr	3.46TCr	3.61TCr
Other Current Assets, Total	1.54TCr	615.21Cr	524.53Cr	991.37Cr	712.53Cr
Other Real Estate Owned And Foreclosed	71Cr	56Cr	70Cr	76Cr	79Cr
Other Long-Term Assets, Total	715.88Cr	334.04Cr	425.64Cr	351.2Cr	505.4Cr
Total Assets	91TCr	95TCr	1,03700Cr	1,10400Cr	1,21000Cr
Liabilities
Accrued Expenses, Total	984.06Cr	844.07Cr	757.09Cr	834.5Cr	732.86Cr
Interest Bearing Deposits	21TCr	23TCr	22TCr	25TCr	26TCr
Non-Interest Bearing Deposits	46TCr	43TCr	45TCr	42TCr	47TCr
Total Deposits	67TCr	66TCr	67TCr	67TCr	72TCr
Short-Term Borrowings	4.45TCr	8TCr	15TCr	18TCr	20TCr
Current Portion of Long-Term Debt	28Cr	405.68Cr	515.28Cr	249.73Cr	196.76Cr
Current Portion of Leases	39Cr	61Cr	27Cr	18Cr	16Cr
Long-Term Debt	583.59Cr	893.04Cr	873.63Cr	3.8TCr	6.17TCr
Long-Term Leases	168.98Cr	120.96Cr	93Cr	96Cr	44Cr
Current Income Taxes Payable	165.67Cr	263.32Cr	221.1Cr	264.65Cr	291.12Cr
Other Current Liabilities - (Bank / Utility Template)	388.83Cr	-	-	-	-
Pension & Other Post Retirement Benefits	183.8Cr	145.16Cr	150.19Cr	179.88Cr	189.02Cr
Other Non Current Liabilities	1.42TCr	1.27TCr	1.22TCr	1.09TCr	916.66Cr
Total Liabilities	75TCr	78TCr	86TCr	91TCr	1,00600Cr
Common Stock, Total	4.48TCr	4.48TCr	6TCr	6TCr	6TCr
Additional Paid In Capital	6.37TCr	6.37TCr	6.37TCr	6.37TCr	6.37TCr
Retained Earnings	4.85TCr	5.8TCr	5.03TCr	6.08TCr	7.44TCr
Treasury Stock	-213.79Cr	-202.75Cr	-220.27Cr	-209.92Cr	-258.62Cr
Comprehensive Income and Other	735Cr	153.27Cr	413.34Cr	1.01TCr	771.86Cr
Total Common Equity	16TCr	17TCr	18TCr	19TCr	20TCr
Minority Interest	57Cr	80Cr	72Cr	71Cr	55Cr
Total Equity	16TCr	17TCr	18TCr	19TCr	20TCr
Total Liabilities And Equity	91TCr	95TCr	1,03700Cr	1,10400Cr	1,21000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	591.44Cr	591.77Cr	594.17Cr	594.5Cr	593.1Cr
ECS Total Common Shares Outstanding	591.44Cr	591.77Cr	594.17Cr	594.5Cr	593.1Cr
Book Value / Share	25.36	25.43	27.05	28.83	31.3
Tangible Book Value	12TCr	12TCr	13TCr	15TCr	16TCr
Tangible Book Value Per Share	18.01	18.17	19.9	21.79	24.3
Total Debt	5.27TCr	9.48TCr	16TCr	22TCr	26TCr
Deposits at Interest - Cash	4.34TCr	1.31TCr	2.77TCr	1.35TCr	1.73TCr
Net Debt	-2.65TCr	5.4TCr	10TCr	16TCr	18TCr
Equity Method Investments, Total	32Cr	25Cr	25Cr	-	-
Full Time Employees	16.11T	15.91T	16.08T	15.68T	15.34T
Number Of Offices	510	498	474	485	485

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.27TCr	1.86TCr	2TCr	2.12TCr	2.5TCr
Depreciation, Depletion & Amortization	87Cr	115.38Cr	94Cr	135.63Cr	112.36Cr
Amortization of Goodwill and Intangible Assets - (CF)	69Cr	84Cr	82Cr	82Cr	82Cr
Total Depreciation, Depletion & Amortization	155.73Cr	199.87Cr	176.07Cr	217.66Cr	194.38Cr
Amortization of Deferred Charges, Total	23Cr	28Cr	52Cr	43Cr	36Cr
(Gain) Loss On Sale of Asset - (CF)	1.44Cr	-8.81Cr	-1.5Cr	8.18Cr	2.53Cr
(Gain) Loss on Sale of Investments - (CF)	-20Cr	-25Cr	-29Cr	-35Cr	-80Cr
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	392.7Cr	168.55Cr	92Cr	102.41Cr	103.41Cr
(Income) Loss On Equity Investments - (CF)	12Cr	-	-	-	-
Stock-Based Compensation (CF)	15Cr	19Cr	14Cr	22Cr	19Cr
Change in Trading Asset Securities	229.2Cr	-986.78Cr	-589.51Cr	-970.72Cr	-555.1Cr
Change in Other Net Operating Assets (Collected)	267.64Cr	-685.98Cr	-1.16TCr	-5.37TCr	-7.8TCr
Other Operating Activities	176.93Cr	300.5Cr	328.55Cr	268.78Cr	317.67Cr
Cash from Operations	2.52TCr	868.07Cr	888.39Cr	-3.6TCr	-5.26TCr
Capital Expenditure	-174.3Cr	-205.08Cr	-178.69Cr	-177.56Cr	-206.7Cr
Sale of Property, Plant, and Equipment	43Cr	30Cr	16Cr	7.16Cr	4.9Cr
Cash Acquisitions	2.46TCr	-	-	-	-
Purchase / Sale of Intangible Assets	-3.86Cr	-2.04Cr	-22Cr	-14Cr	-7.96Cr
Investment in Marketable and Equity Securities, Total	-2.38TCr	-2.68TCr	-752.97Cr	-2.17TCr	-1.95TCr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-50Cr	-2.86TCr	-937.56Cr	-2.36TCr	-2.16TCr
Long-Term Debt Issued, Total	430.93Cr	1.06TCr	238.29Cr	12TCr	18TCr
Total Debt Issued	430.93Cr	1.06TCr	238.29Cr	12TCr	18TCr
Long-Term Debt Repaid, Total	-501.69Cr	-360.65Cr	-191.67Cr	-6.56TCr	-14TCr
Total Debt Repaid	-501.69Cr	-360.65Cr	-191.67Cr	-6.56TCr	-14TCr
Issuance of Common Stock	468.75Cr	330Cr	100Cr	600Cr	266.52Cr
Repurchase of Common Stock	-270Cr	-	-164.78Cr	-	-678.18Cr
Common Dividends Paid	-649.31Cr	-895.6Cr	-778.68Cr	-1.08TCr	-1.2TCr
Common & Preferred Stock Dividends Paid	-649.31Cr	-895.6Cr	-778.68Cr	-1.08TCr	-1.2TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	-833.78Cr	-1.29TCr	3.02TCr	-616.65Cr	6.05TCr
Other Financing Activities, Total	-48Cr	-57Cr	-77Cr	-76Cr	-103.73Cr
Cash from Financing	-1.4TCr	-1.22TCr	2.15TCr	4.06TCr	7.97TCr
Foreign Exchange Rate Adjustments	-84Cr	-65Cr	-64Cr	-54Cr	-43Cr
Net Change in Cash	983.45Cr	-3.27TCr	2.03TCr	-1.95TCr	508.02Cr
Supplemental Items
Net Debt Issued / Repaid	-71Cr	695.05Cr	47Cr	5.23TCr	3.64TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.69	2.01	2.03	1.97	2.16
Return On Equity %	10.52	11.37	11.71	11.4	12.59
Return on Common Equity	10.09	10.98	11.25	11.09	12.11
Shareholders Value Added	-103.75Cr	-26Cr	32Cr	-9.49Cr	208.29Cr
Margin Analysis
SG&A Margin	36.73	28.54	28.33	29.18	23.72
Net Interest Income / Total Revenues %	90.16	83.93	80.22	79.2	77.61
EBT Excl. Non-Recurring Items Margin %	59.51	67.94	67.64	67.44	73.1
Income From Continuing Operations Margin %	52.1	59.8	59.73	60.24	65.49
Net Income Margin %	51.63	59.33	59.44	60.53	65.55
Net Avail. For Common Margin %	49.66	57.52	57.14	58.34	62.83
Normalized Net Income Margin	36.72	41.99	41.98	42.44	45.75
Asset quality
Nonperforming Loans / Total Loans %	1.56	1.59	1.19	1.14	0.67
Nonperforming Loans / Total Assets %	0.88	0.95	0.71	0.7	0.41
Nonperforming Assets / Total Assets %	0.96	1.01	0.78	0.77	0.48
NPAs / Loans and OREO	1.69	1.69	1.3	1.26	0.78
NPAs / Equity	5.38	5.72	4.56	4.38	2.84
Allowance for Credit Losses / Net Charge-offs %	1.04T	1.07T	446.2	867.11	164.43
Allowance for Credit Losses / Nonperforming Loans %	135.46	127	139.62	135.27	147.08
Allowance for Credit Losses / Total Loans %	2.11	2.02	1.66	1.55	0.99
Provision for Loan Losses / Net Charge-offs %	373.63	158.78	40.07	85.34	23.12
Capital And Funding
Total Average Common Equity / Total Average Assets %	15.96	17.65	17.24	17.21	17.11
Total Average Equity / Total Average Assets %	16.05	17.72	17.32	17.28	17.16
Total Equity + Allowance for Loan Losses / Total Loans %	33.55	31.4	30.01	30.18	28.27
Gross Loans / Total Deposits %	77.33	85.77	91.93	100.37	102.87
Net Loans / Total Deposits %	74.32	82.78	89.13	97.63	100.69
Tier 1 Capital Ratio %	18.4	18.3	19.4	20.3	19.8
Total Capital Ratio %	19.2	19	20.1	20.8	21.2
Core Tier 1 Capital Ratio	-	-	17.3	17.6	17.7
Tier 2 Capital Ratio	0.81	0.75	0.76	0.54	1.38
Coverage Ratio	132.25	95.55	97.43	102.57	109.39
Interbank Ratio	46.71	23.48	30.08	29.43	34.17
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	5.72	3.62	2	1.78	1.88
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	32.58	18.37	2.75	2.67	5.26
Non Interest Income, 1 Yr. Growth %	32.86	11.43	12.85	9.6	21.28
Provision For Loan Losses, 1 Yr. Growth %	101.29	-57.45	-45.25	10.98	1.51
Total Revenues, 1 Yr. Growth %	25.78	29.01	7.5	4	8.99
Earnings From Cont. Operations, 1 Yr. Growth %	10.59	46.5	7.37	4.9	18.48
Net Income, 1 Yr. Growth %	10.73	46.67	7.69	5.91	18.03
Normalized Net Income, 1 Yr. Growth %	12.52	47.45	7.48	5.13	17.49
Diluted EPS Before Extra, 1 Yr. Growth %	-18.8	35.91	6.95	6.19	17.49
Dividend Per Share, 1 Yr. Growth %	93.75	9.68	37.25	8.57	13.16
Gross Loans, 1 Yr. Growth %	41.06	9.12	9.81	8.42	10.68
Allowance For Loan Losses, 1 Yr. Growth %	24	3.55	-9.93	1.26	-29.3
Net Loans, 1 Yr. Growth %	43.03	9.6	10.31	8.77	11.47
Non Performing Loans, 1 Yr. Growth %	31.31	10.36	-18.07	4.52	-34.98
Non Performing Assets, 1 Yr. Growth %	23.41	7.84	-15.49	4.89	-31.51
Total Assets, 1 Yr. Growth %	52.5	3.43	9.69	6.47	9.59
Total Deposits, 1 Yr Growth %	42.3	-1.83	2.45	4.01	8.08
Tangible Book Value, 1 Yr. Growth %	51.57	3.62	8.45	12.98	7.34
Common Equity, 1 Yr. Growth %	104.25	2.33	5.98	9.47	5.56
Total Equity, 1 Yr. Growth %	102.92	2.46	5.91	9.42	5.46
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.2	25.52	10.28	2.71	4.72
Non Interest Income, 2 Yr. CAGR %	22.99	18.63	12.14	11.21	12.4
Provision For Loan Losses, 2 Yr. CAGR %	66.3	-7.05	-51.73	-22.05	5.86
Total Revenues, 2 Yr. CAGR %	13.18	26.71	17.77	5.73	6.46
Earnings From Cont. Operations, 2 Yr. CAGR %	5.51	27.28	25.42	6.13	11.48
Net Income, 2 Yr. CAGR %	5.41	27.44	25.68	6.8	11.81
Normalized Net Income, 2 Yr. CAGR %	6.18	28.15	25.89	6.3	11.14
Diluted EPS Before Extra, 2 Yr. CAGR %	-9.89	5.05	20.22	6.57	11.7
Dividend Per Share, 2 Yr. CAGR %	-17.91	45.77	22.69	22.07	10.84
Gross Loans, 2 Yr. CAGR %	30.94	24.28	9.46	9.11	9.58
Allowance For Loan Losses, 2 Yr. CAGR %	21.68	13.91	-3.42	-4.5	-15.39
Net Loans, 2 Yr. CAGR %	32.65	25.41	9.95	9.53	10.11
Non Performing Loans, 2 Yr. CAGR %	22.88	21.07	-4.91	-7.46	-17.56
Non Performing Assets, 2 Yr. CAGR %	15.05	15.97	-4.53	-5.85	-15.24
Total Assets, 2 Yr. CAGR %	34.3	25.59	6.51	8.06	8.02
Total Deposits, 2 Yr CAGR %	32.79	18.53	0.29	0.86	6.02
Tangible Book Value, 2 Yr. CAGR %	32.62	25.32	6.01	10.69	10.13
Common Equity, 2 Yr. CAGR %	53.94	44.57	4.14	7.71	7.5
Total Equity, 2 Yr. CAGR %	53.21	44.19	4.17	7.65	7.42
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	13.51	17.07	17.42	7.68	4.06
Non Interest Income, 3 Yr. CAGR %	18.57	17.02	16.67	11.29	12.55
Provision For Loan Losses, 3 Yr. CAGR %	40.03	5.88	-22.09	-36.29	-15.03
Total Revenues, 3 Yr. CAGR %	11.93	17.81	19.95	12.99	6.81
Earnings From Cont. Operations, 3 Yr. CAGR %	9.56	17.71	20.27	18.17	10.09
Net Income, 3 Yr. CAGR %	9.71	17.68	20.49	18.71	10.42
Normalized Net Income, 3 Yr. CAGR %	10	18.06	20.85	18.55	9.91
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.09	3.34	5.48	15.35	10.09
Dividend Per Share, 3 Yr. CAGR %	-9.63	-9.58	42.88	17.79	19.03
Gross Loans, 3 Yr. CAGR %	21.82	23.36	19.25	9.11	9.66
Allowance For Loan Losses, 3 Yr. CAGR %	13.65	15.72	5.34	-1.89	-13.61
Net Loans, 3 Yr. CAGR %	23.22	24.61	20.16	9.55	10.18
Non Performing Loans, 3 Yr. CAGR %	15.32	19.01	6.29	-1.87	-17.73
Non Performing Assets, 3 Yr. CAGR %	11.12	12.99	4.36	-1.49	-15.32
Total Assets, 3 Yr. CAGR %	26.45	23.1	20.05	6.5	8.57
Total Deposits, 3 Yr CAGR %	25	20.3	12.9	-0.04	3.21
Tangible Book Value, 3 Yr. CAGR %	22.92	22.15	19.42	8.29	9.56
Common Equity, 3 Yr. CAGR %	35.82	34.35	30.36	5.89	6.99
Total Equity, 3 Yr. CAGR %	35.33	33.98	30.1	5.89	6.92
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.14	13.99	12.3	11.1	12.16
Non Interest Income, 5 Yr. CAGR %	5.57	7.76	14.79	14.66	14.94
Provision For Loan Losses, 5 Yr. CAGR %	15.25	-2.29	-8.39	-6.33	-11.92
Total Revenues, 5 Yr. CAGR %	8.18	13.83	13.98	12.82	14.36
Earnings From Cont. Operations, 5 Yr. CAGR %	6.31	13.45	15.64	12.93	16.67
Net Income, 5 Yr. CAGR %	6.34	13.64	15.84	13.2	16.94
Normalized Net Income, 5 Yr. CAGR %	9.26	16.74	15.87	13.21	16.87
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.18	5.11	6.93	4.5	7.92
Dividend Per Share, 5 Yr. CAGR %	7.76	8.45	2.13	1.95	29.08
Gross Loans, 5 Yr. CAGR %	13.8	16.03	16.8	17.45	15.29
Allowance For Loan Losses, 5 Yr. CAGR %	12.95	10.9	6.71	7.16	-3.5
Net Loans, 5 Yr. CAGR %	14.35	16.95	17.81	18.34	16.04
Non Performing Loans, 5 Yr. CAGR %	15.44	13.5	7	7.62	-3.98
Non Performing Assets, 5 Yr. CAGR %	12.89	11.12	4.79	5.04	-3.97
Total Assets, 5 Yr. CAGR %	15.61	16.28	18.06	16.85	15.08
Total Deposits, 5 Yr CAGR %	14.21	14.84	14.59	12.11	9.09
Tangible Book Value, 5 Yr. CAGR %	15.51	14.69	15.85	17.43	15.61
Common Equity, 5 Yr. CAGR %	22.53	21.36	22.13	22.98	20.68
Total Equity, 5 Yr. CAGR %	22.12	21.01	21.88	22.75	20.5