Balance Sheet UniCredit S.p.A.

Equities

UCG

IT0005239360

Banks

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05:27pm	UniCredit: Orcel to meet EU Commissioner Albuquerque today	RE
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Published financial data: UNICREDIT S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.27TCr	1.63TCr	3.39TCr	3.48TCr	2.69TCr
Interest Income On Investments	35Cr	44Cr	30Cr	47Cr	67Cr
Interest Income, Total	1.31TCr	1.68TCr	3.42TCr	3.53TCr	2.76TCr
Interest On Deposits	361.2Cr	571.5Cr	1.96TCr	2.02TCr	1.28TCr
Interest Expense, Total	361.2Cr	571.5Cr	1.96TCr	2.02TCr	1.28TCr
Net Interest Income	944.2Cr	1.11TCr	1.47TCr	1.51TCr	1.48TCr
Income From Trading Activities	147.2Cr	86Cr	226.4Cr	288.8Cr	225.5Cr
Gain (Loss) on Sale of Loans	5.3Cr	13Cr	20Cr	-6.2Cr	11Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-179.7Cr	100Cr	11Cr	26Cr	300.5Cr
Total Other Non Interest Income	674.7Cr	705.1Cr	639Cr	651.8Cr	537.9Cr
Non Interest Income, Total	647.5Cr	903.9Cr	896.5Cr	960.5Cr	1.07TCr
Revenues Before Provison For Loan Losses	1.59TCr	2.01TCr	2.36TCr	2.47TCr	2.55TCr
Provision For Loan Losses	216.7Cr	203.1Cr	66Cr	75Cr	50Cr
Total Revenues	1.38TCr	1.81TCr	2.3TCr	2.4TCr	2.5TCr
Salaries And Other Employee Benefits	595.3Cr	591Cr	590.4Cr	589.4Cr	580.2Cr
Amort. of Goodwill & Intang. Assets	48Cr	51Cr	43Cr	49Cr	56Cr
Occupancy Expense	78Cr	76Cr	68Cr	67Cr	61Cr
Selling General & Admin Expenses, Total	368.6Cr	352Cr	340.5Cr	298.4Cr	285.9Cr
Total Other Non Interest Expense	-6.1Cr	-12Cr	-43Cr	-49Cr	10Cr
Non Interest Expense, Total	1.08TCr	1.06TCr	999.5Cr	955.5Cr	993.1Cr
EBT, Excl. Unusual Items	291Cr	748.8Cr	1.3TCr	1.44TCr	1.51TCr
Restructuring Charges	-133.6Cr	-32Cr	-105.9Cr	-84Cr	-118.7Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-11Cr	-4.2Cr	-45Cr	-13Cr	-30L
Legal Settlements	-28Cr	-2.4Cr	-7Cr	-62Cr	-39Cr
Other Unusual Items	5Cr	19Cr	6.6Cr	50L	3.3Cr
EBT, Incl. Unusual Items	123.5Cr	728.9Cr	1.15TCr	1.29TCr	1.36TCr
Income Tax Expense	-33Cr	82Cr	191.7Cr	308.6Cr	259Cr
Earnings From Continuing Operations	156.6Cr	647Cr	953.4Cr	977.4Cr	1.1TCr
Earnings Of Discontinued Operations	40L	30L	-	-	-
Net Income to Company	157Cr	647.3Cr	953.4Cr	977.4Cr	1.1TCr
Minority Interest	-3Cr	-1.5Cr	-2.7Cr	-5.5Cr	-6.4Cr
Net Income - (IS)	154Cr	645.8Cr	950.7Cr	971.9Cr	1.09TCr
Preferred Dividend and Other Adjustments	3Cr	7.4Cr	18Cr	25Cr	21Cr
Net Income to Common Incl Extra Items	151Cr	638.4Cr	933.2Cr	947.2Cr	1.07TCr
Net Income to Common Excl. Extra Items	150.6Cr	638.1Cr	933.2Cr	947.2Cr	1.07TCr
Per Share Items
Net EPS - Basic	0.68	3.08	5.11	5.84	6.97
Basic EPS - Continuing Operations	0.68	3.08	5.11	5.84	6.97
Basic Weighted Average Shares Outstanding	222.17Cr	206.95Cr	182.79Cr	162.16Cr	153.59Cr
Net EPS - Diluted	0.67	3.06	5.04	5.78	6.91
Diluted EPS - Continuing Operations	0.67	3.05	5.04	5.78	6.91
Diluted Weighted Average Shares Outstanding	223.6Cr	208.85Cr	184.98Cr	163.85Cr	154.9Cr
Normalized Basic EPS	0.81	2.25	4.42	5.53	6.11
Normalized Diluted EPS	0.8	2.23	4.36	5.47	6.06
Dividend Per Share	0.54	0.99	1.8	2.4	3.15
Payout Ratio	50.26	26.35	25.67	50.93	45.87
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	-26.8	11.24	16.74	24	19.09
Total Current Taxes	-36Cr	107.9Cr	102.3Cr	171.2Cr	283.6Cr
Total Deferred Taxes	2.4Cr	-26Cr	89Cr	137.4Cr	-25Cr
Normalized Net Income	178.88Cr	466.5Cr	807.42Cr	896.94Cr	938.41Cr
Non-Cash Pension Expense	1.2Cr	5.2Cr	12Cr	11Cr	11Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	6.9Cr	5.7Cr	7.6Cr	7.3Cr	10Cr
Total Stock-Based Compensation	6.9Cr	5.7Cr	7.6Cr	7.3Cr	10Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	11TCr	11TCr	6.11TCr	4.16TCr	3.85TCr
Investment Securities, Total	14TCr	12TCr	14TCr	16TCr	21TCr
Trading Asset Securities, Total	8.66TCr	6.27TCr	5.68TCr	5.61TCr	6.15TCr
Total investments	22TCr	18TCr	19TCr	21TCr	27TCr
Gross Loans	50TCr	52TCr	50TCr	50TCr	52TCr
Allowance For Loan Losses	-1.32TCr	-1.19TCr	-1.04TCr	-926.9Cr	-874Cr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	49TCr	51TCr	49TCr	49TCr	51TCr
Gross Property Plant And Equipment	1.55TCr	1.58TCr	1.54TCr	1.51TCr	1.53TCr
Accumulated Depreciation	-759.8Cr	-800.6Cr	-815.1Cr	-806.9Cr	-833.8Cr
Net Property Plant And Equipment	788.1Cr	778Cr	722.4Cr	698.8Cr	695.7Cr
Goodwill	0	0	-	3.8Cr	84Cr
Other Intangibles, Total	221.3Cr	235Cr	227.2Cr	219.1Cr	209.7Cr
Investment in Real Estate	99Cr	88Cr	86Cr	136.3Cr	147Cr
Accrued Interest Receivable	72Cr	83Cr	85Cr	102.4Cr	109.7Cr
Other Receivables	401.7Cr	502Cr	792.1Cr	891Cr	926.6Cr
Restricted Cash	5.09TCr	1.94TCr	780.9Cr	828.8Cr	1.02TCr
Other Current Assets, Total	1.44TCr	132.9Cr	49Cr	54Cr	64Cr
Deferred Tax Assets Long-Term (Collected)	1.16TCr	1.18TCr	1.07TCr	958.8Cr	866.9Cr
Other Real Estate Owned And Foreclosed	4.4Cr	50Cr	54Cr	44Cr	38Cr
Other Long-Term Assets, Total	419.4Cr	500.8Cr	518.3Cr	446.6Cr	1.08TCr
Total Assets	92TCr	86TCr	78TCr	78TCr	87TCr
Liabilities
Accounts Payable, Total	105.4Cr	127.5Cr	99Cr	92Cr	98Cr
Accrued Expenses, Total	664.8Cr	543.9Cr	594.6Cr	627.8Cr	640.6Cr
Interest Bearing Deposits	18TCr	18TCr	13TCr	12TCr	13TCr
Non-Interest Bearing Deposits	43TCr	41TCr	38TCr	38TCr	40TCr
Total Deposits	61TCr	59TCr	51TCr	50TCr	53TCr
Short-Term Borrowings	8.06TCr	5.44TCr	5.56TCr	6.95TCr	7.73TCr
Current Portion of Leases	38Cr	35Cr	36Cr	33Cr	38Cr
Long-Term Debt	12TCr	11TCr	12TCr	12TCr	13TCr
Long-Term Leases	168.2Cr	149.5Cr	134.4Cr	115.6Cr	87Cr
Current Income Taxes Payable	63Cr	114Cr	119.1Cr	145.6Cr	219.7Cr
Accrued Interest Payable	7.3Cr	21Cr	23Cr	23Cr	21Cr
Other Current Liabilities - (Bank / Utility Template)	1.73TCr	1.27TCr	1.18TCr	759.6Cr	717.4Cr
Pension & Other Post Retirement Benefits	525.4Cr	332.7Cr	341.8Cr	348.7Cr	299.1Cr
Deferred Tax Liability Non-Current	59Cr	54Cr	29Cr	25Cr	63Cr
Other Non Current Liabilities	1TCr	974.9Cr	939.3Cr	1.06TCr	4.74TCr
Total Liabilities	85TCr	79TCr	72TCr	72TCr	80TCr
Common Stock, Total	2.11TCr	2.12TCr	2.13TCr	2.14TCr	2.15TCr
Additional Paid In Capital	544.6Cr	251.6Cr	2.3Cr	2.3Cr	2.3Cr
Retained Earnings	2.45TCr	3.02TCr	3.5TCr	3.51TCr	3.82TCr
Treasury Stock	-20Cr	-	-172.7Cr	-	-293.4Cr
Comprehensive Income and Other	1.08TCr	942.3Cr	953.4Cr	597.5Cr	1.1TCr
Total Common Equity	6.16TCr	6.33TCr	6.41TCr	6.24TCr	6.77TCr
Minority Interest	46Cr	16Cr	16Cr	40Cr	40Cr
Total Equity	6.21TCr	6.35TCr	6.42TCr	6.28TCr	6.81TCr
Total Liabilities And Equity	92TCr	86TCr	78TCr	78TCr	87TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	221.11Cr	193.53Cr	171.24Cr	154.17Cr	150.31Cr
ECS Total Common Shares Outstanding	221.11Cr	193.53Cr	171.24Cr	154.17Cr	150.31Cr
Book Value / Share	27.87	32.73	37.42	40.5	45.05
Tangible Book Value	5.94TCr	6.1TCr	6.18TCr	6.02TCr	6.48TCr
Tangible Book Value Per Share	26.87	31.51	36.09	39.05	43.09
Total Debt	21TCr	17TCr	18TCr	19TCr	21TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	471.2Cr	293.2Cr	306Cr	317.2Cr	271.9Cr
Net Debt	-3.29TCr	-4.99TCr	1.1TCr	4.16TCr	5.77TCr
Equity Method Investments, Total	407.3Cr	344.6Cr	392.5Cr	428.9Cr	1.39TCr
Full Time Employees	78.57T	75.04T	70.75T	65.39T	62.81T
Part Time Employees	-	-	-	9.88T	9.3T
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	154Cr	645.8Cr	950.7Cr	971.9Cr	1.09TCr
Depreciation, Depletion & Amortization	75Cr	72Cr	56Cr	68Cr	55Cr
Amortization of Goodwill and Intangible Assets - (CF)	10L	20L	20L	60L	1.8Cr
Total Depreciation, Depletion & Amortization	75Cr	72Cr	56Cr	68Cr	57Cr
Amortization of Deferred Charges, Total	50Cr	50Cr	43Cr	54Cr	54Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	16Cr	-	10L
(Gain) Loss on Sale of Investments - (CF)	-286.7Cr	-488.9Cr	91Cr	296.8Cr	58Cr
Total Asset Writedown	17Cr	7.9Cr	36Cr	8.8Cr	17Cr
Restructuring Activities	8Cr	-	12Cr	-	-
Provision for Credit Losses	425.2Cr	467.2Cr	314.7Cr	289.7Cr	272.8Cr
Change in Trading Asset Securities	395.2Cr	3.74TCr	-1.34TCr	-1.69TCr	-217.7Cr
Change in Other Net Operating Assets (Collected)	-1.89TCr	-3.59TCr	-4.59TCr	-1.13TCr	-750.9Cr
Other Operating Activities	299.9Cr	123.6Cr	298.3Cr	420.8Cr	270.7Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-752.1Cr	1.03TCr	-4.11TCr	-707.6Cr	852.5Cr
Capital Expenditure	-52Cr	-52Cr	-59Cr	-125Cr	-72Cr
Sale of Property, Plant, and Equipment	39Cr	39Cr	27Cr	28Cr	33Cr
Cash Acquisitions	-9.9Cr	-	-	22Cr	-50Cr
Divestitures	2.9Cr	2.4Cr	30L	-	2.6Cr
Purchase / Sale of Intangible Assets	-72Cr	-65Cr	-56Cr	-49Cr	-54Cr
Investment in Marketable and Equity Securities, Total	6.6Cr	38Cr	-1.8Cr	40L	-288.5Cr
Other Investing Activities, Total	15Cr	14Cr	11Cr	17Cr	27Cr
Cash from Investing	-70Cr	-24Cr	-79Cr	-106.5Cr	-401.9Cr
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-63Cr	-354.3Cr	-601.3Cr	-604Cr	-294.8Cr
Common Dividends Paid	-77Cr	-170.2Cr	-244Cr	-495Cr	-500.7Cr
Common & Preferred Stock Dividends Paid	-77Cr	-170.2Cr	-244Cr	-495Cr	-500.7Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-	-31Cr	-	-	-20L
Cash from Financing	-140.8Cr	-555.1Cr	-845.3Cr	-1.1TCr	-795.7Cr
Foreign Exchange Rate Adjustments	3.2Cr	-11Cr	-41Cr	-43Cr	46Cr
Net Change in Cash	-959.6Cr	436.9Cr	-5.08TCr	-1.96TCr	-298.7Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.17	0.73	1.16	1.25	1.33
Return On Equity %	2.57	10.26	14.93	15.38	16.77
Return on Common Equity	2.49	10.17	14.65	14.97	16.46
Shareholders Value Added	-489.21Cr	-87Cr	252.58Cr	265.94Cr	386.58Cr
Margin Analysis
SG&A Margin	75.75	56.39	43.52	39.81	37.01
Net Interest Income / Total Revenues %	68.67	61.22	63.83	63.09	59.09
EBT Excl. Non-Recurring Items Margin %	21.16	41.44	56.46	60.18	60.35
Income From Continuing Operations Margin %	11.39	35.81	41.53	40.74	43.83
Net Income Margin %	11.2	35.74	41.41	40.51	43.58
Net Avail. For Common Margin %	10.95	35.31	40.65	39.48	42.75
Normalized Net Income Margin	13.01	25.82	35.17	37.38	37.46
Asset quality
Nonperforming Loans / Total Loans %	3.24	2.42	2.35	2.25	2.33
Nonperforming Loans / Total Assets %	1.77	1.46	1.49	1.42	1.39
Nonperforming Assets / Total Assets %	1.78	1.52	1.56	1.48	1.43
NPAs / Loans and OREO	3.25	2.52	2.46	2.34	2.4
NPAs / Equity	26.27	20.55	19.04	18.46	18.31
Allowance for Credit Losses / Nonperforming Loans %	80.93	94.72	88.52	83.07	72.33
Allowance for Credit Losses / Total Loans %	2.62	2.3	2.08	1.87	1.68
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.55	7.07	7.76	8.06	7.87
Total Average Equity / Total Average Assets %	6.6	7.11	7.78	8.1	7.92
Total Equity + Allowance for Loan Losses / Total Loans %	14.9	14.53	14.97	14.47	14.71
Gross Loans / Total Deposits %	82.78	87.76	97.62	99.47	98.6
Net Loans / Total Deposits %	80.61	85.74	95.58	97.61	96.94
Tier 1 Capital Ratio %	17.94	18.65	17.84	17.75	16.42
Total Capital Ratio %	20.14	21.42	20.9	20.41	19
Core Tier 1 Capital Ratio	15.82	16.68	16.14	15.96	14.75
Tier 2 Capital Ratio	2.2	2.77	3.06	2.66	2.58
Coverage Ratio	80.93	94.72	88.52	83.07	72.33
Interbank Ratio	59.47	77.64	80.16	81.14	113.49
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.34	2.28	1.59	1.64	2.06
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.71	17.15	32.47	3.32	-2.24
Non Interest Income, 1 Yr. Growth %	4.69	39.6	-0.82	7.14	11.89
Provision For Loan Losses, 1 Yr. Growth %	-53.3	24.6	-67.45	13.46	-33.47
Total Revenues, 1 Yr. Growth %	22.22	26.47	27.05	4.52	4.39
Earnings From Cont. Operations, 1 Yr. Growth %	-155.39	204.9	47.36	2.52	12.33
Net Income, 1 Yr. Growth %	-155.3	208.11	47.21	2.23	12.31
Normalized Net Income, 1 Yr. Growth %	-12.99T	119.14	70.32	12.86	4.96
Diluted EPS Before Extra, 1 Yr. Growth %	-150.71	231.22	65.16	14.59	19.6
Dividend Per Share, 1 Yr. Growth %	348.33	83.49	82.63	33.26	31.09
Gross Loans, 1 Yr. Growth %	2.17	0.69	-4	-0.34	4.85
Allowance For Loan Losses, 1 Yr. Growth %	-21.76	-14.79	-12.91	-10.45	-5.71
Net Loans, 1 Yr. Growth %	3.02	1.12	-3.79	-0.12	5.06
Non Performing Loans, 1 Yr. Growth %	-23.43	-27.47	-6.82	-4.58	8.3
Non Performing Assets, 1 Yr. Growth %	-25.42	-26.9	-8.43	-5.17	7.47
Total Assets, 1 Yr. Growth %	-1.59	-6.48	-8.49	-0.12	11
Total Deposits, 1 Yr Growth %	3.9	-2.89	-13.75	-2.2	5.79
Tangible Book Value, 1 Yr. Growth %	3.53	1.73	1.35	-2.58	7.57
Common Equity, 1 Yr. Growth %	3.56	1.86	1.17	-2.56	8.44
Total Equity, 1 Yr. Growth %	3.59	1.35	1.17	-2.18	8.38
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.47	6.76	24.58	16.99	0.5
Non Interest Income, 2 Yr. CAGR %	-10.03	20.89	17.67	3.08	9.49
Provision For Loan Losses, 2 Yr. CAGR %	-21.07	-33.84	-36.32	-39.23	-13.11
Total Revenues, 2 Yr. CAGR %	-4.54	26.73	26.76	15.23	4.45
Earnings From Cont. Operations, 2 Yr. CAGR %	-14.83	51.28	111.97	22.91	7.31
Net Income, 2 Yr. CAGR %	-32.43	52.28	112.97	22.68	7.15
Normalized Net Income, 2 Yr. CAGR %	-10.82	1.73T	94.76	37.55	8.66
Diluted EPS Before Extra, 2 Yr. CAGR %	-11.4	51.69	133.89	37.57	17.07
Dividend Per Share, 2 Yr. CAGR %	-	186.82	83.06	56	32.15
Gross Loans, 2 Yr. CAGR %	-0.37	2.65	-1.68	-2.19	2.22
Allowance For Loan Losses, 2 Yr. CAGR %	-16.81	-15.95	-13.86	-11.69	-8.11
Net Loans, 2 Yr. CAGR %	0.21	3.25	-1.36	-1.98	2.43
Non Performing Loans, 2 Yr. CAGR %	-19.8	-23.15	-17.79	-5.7	1.66
Non Performing Assets, 2 Yr. CAGR %	-21.29	-22.76	-17.21	-6.81	0.96
Total Assets, 2 Yr. CAGR %	3.5	-4.04	-7.49	-4.4	5.29
Total Deposits, 2 Yr CAGR %	9.48	0.54	-8.44	-8.15	1.72
Tangible Book Value, 2 Yr. CAGR %	0.68	3.09	1.54	-0.64	2.37
Common Equity, 2 Yr. CAGR %	0.17	3.17	1.51	-0.71	2.79
Total Equity, 2 Yr. CAGR %	0.25	2.92	1.26	-0.52	2.96
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-5.43	1.53	14.72	17.04	10.19
Non Interest Income, 3 Yr. CAGR %	-5.15	4.15	13.17	14.05	5.94
Provision For Loan Losses, 3 Yr. CAGR %	-6.55	-16.42	-47.77	-22.8	-37.37
Total Revenues, 3 Yr. CAGR %	-5.12	6.19	26.84	18.86	11.5
Earnings From Cont. Operations, 3 Yr. CAGR %	-28.1	44.17	49.96	66.38	19.28
Net Income, 3 Yr. CAGR %	-27.89	24.17	50.57	66.75	19.12
Normalized Net Income, 3 Yr. CAGR %	-12.13	27.53	734.88	61.51	25.56
Diluted EPS Before Extra, 3 Yr. CAGR %	-27.19	52.72	56.05	84.38	31.3
Dividend Per Share, 3 Yr. CAGR %	25.84	-	146.75	64.67	47.2
Gross Loans, 3 Yr. CAGR %	-0.7	0.78	0.39	-1.23	0.1
Allowance For Loan Losses, 3 Yr. CAGR %	-20.15	-14.51	-14.95	-12.74	-9.74
Net Loans, 3 Yr. CAGR %	0.14	1.29	0.85	-0.95	0.31
Non Performing Loans, 3 Yr. CAGR %	-24.74	-20.84	-18.05	-13.6	-1.25
Non Performing Assets, 3 Yr. CAGR %	-25.1	-20.86	-17.61	-13.38	-2.27
Total Assets, 3 Yr. CAGR %	3.28	0.08	-5.54	-5.1	0.48
Total Deposits, 3 Yr CAGR %	6.41	5.26	-4.44	-6.41	-3.72
Tangible Book Value, 3 Yr. CAGR %	3.96	1.33	2.5	0.14	2.03
Common Equity, 3 Yr. CAGR %	3.01	1.03	2.5	0.14	2.25
Total Equity, 3 Yr. CAGR %	2.68	0.92	2.34	0.1	2.36
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.49	0.83	5.59	7.46	8.81
Non Interest Income, 5 Yr. CAGR %	-1.75	2.76	3.39	3.72	11.68
Provision For Loan Losses, 5 Yr. CAGR %	-28.9	-0.58	-24.28	-26.42	-35.98
Total Revenues, 5 Yr. CAGR %	18.61	1.94	7.36	9.72	17.36
Earnings From Cont. Operations, 5 Yr. CAGR %	-33.41	15.82	17.74	35.26	31.17
Net Income, 5 Yr. CAGR %	-33.44	3.36	18.28	23.57	31.41
Normalized Net Income, 5 Yr. CAGR %	-20.36	16.43	25.09	31.87	268.16
Diluted EPS Before Extra, 5 Yr. CAGR %	-49.68	16.73	23.66	46.47	39.1
Dividend Per Share, 5 Yr. CAGR %	-	25.27	46.19	-	92.22
Gross Loans, 5 Yr. CAGR %	0.86	1.77	-0.61	-0.41	1.12
Allowance For Loan Losses, 5 Yr. CAGR %	-17.06	-16.48	-16.73	-13.4	-12.28
Net Loans, 5 Yr. CAGR %	1.93	2.75	0	-0.02	1.48
Non Performing Loans, 5 Yr. CAGR %	-22	-23.64	-21.07	-15.1	-10.67
Non Performing Assets, 5 Yr. CAGR %	-21.96	-23.05	-20.63	-15.12	-10.63
Total Assets, 5 Yr. CAGR %	1.3	0.5	-1.16	-1.73	-1.35
Total Deposits, 5 Yr CAGR %	6.49	4.16	0.23	-0.31	-2.03
Tangible Book Value, 5 Yr. CAGR %	10.45	1.74	3.17	0.54	2.45
Common Equity, 5 Yr. CAGR %	9.4	1.32	2.59	0.33	2.62
Total Equity, 5 Yr. CAGR %	7.53	1.06	2.3	0.34	2.59