Income Statement UniCredit S.p.A.

Equities

UCG

IT0005239360

Banks

Market Closed - Borsa Italiana Other stock markets 10:15:00 21/01/2026 pm IST			5-day change	1st Jan Change
70.39 ^EUR	0.00%		-1.48%	-0.75%

21/01	Unicredit chairman talks down possibility of rekindled interest in MPS	RE
21/01	Unicredit chairman: when asked about a possible renewed interest for MPS, says reviving past romances is 'dangerous'	RE

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Published financial data: UNICREDIT S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.32TCr	1.27TCr	1.63TCr	3.39TCr	3.48TCr
Interest Income On Investments	21Cr	35Cr	44Cr	30Cr	47Cr
Interest Income, Total	1.34TCr	1.31TCr	1.68TCr	3.42TCr	3.53TCr
Interest On Deposits	368.5Cr	361.2Cr	571.5Cr	1.96TCr	2.02TCr
Interest Expense, Total	368.5Cr	361.2Cr	571.5Cr	1.96TCr	2.02TCr
Net Interest Income	970.5Cr	944.2Cr	1.11TCr	1.47TCr	1.51TCr
Income From Trading Activities	68Cr	147.2Cr	86Cr	226.4Cr	288.8Cr
Gain (Loss) on Sale of Loans	8Cr	5.3Cr	13Cr	20Cr	-6.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-46Cr	-179.7Cr	100Cr	11Cr	26Cr
Total Other Non Interest Income	588.3Cr	674.7Cr	705.1Cr	639Cr	651.8Cr
Non Interest Income, Total	618.5Cr	647.5Cr	903.9Cr	896.5Cr	960.5Cr
Revenues Before Provison For Loan Losses	1.59TCr	1.59TCr	2.01TCr	2.36TCr	2.47TCr
Provision For Loan Losses	410.5Cr	216.7Cr	203.1Cr	66Cr	75Cr
Total Revenues	1.18TCr	1.38TCr	1.81TCr	2.3TCr	2.4TCr
Salaries And Other Employee Benefits	591.5Cr	595.3Cr	591Cr	590.4Cr	589.4Cr
Amort. of Goodwill & Intang. Assets	41Cr	48Cr	51Cr	43Cr	49Cr
Occupancy Expense	79Cr	78Cr	76Cr	68Cr	67Cr
Selling General & Admin Expenses, Total	353.1Cr	368.6Cr	352Cr	340.5Cr	298.4Cr
Total Other Non Interest Expense	40Cr	-6.1Cr	-12Cr	-43Cr	-49Cr
Non Interest Expense, Total	1.1TCr	1.08TCr	1.06TCr	999.5Cr	955.5Cr
EBT, Excl. Unusual Items	74Cr	291Cr	748.8Cr	1.3TCr	1.44TCr
Restructuring Charges	-146.5Cr	-133.6Cr	-32Cr	-105.9Cr	-84Cr
Impairment of Goodwill	-89Cr	-	-	-	-
Asset Writedown	-27Cr	-11Cr	-4.2Cr	-45Cr	-13Cr
Legal Settlements	-9.8Cr	-28Cr	-2.4Cr	-7Cr	-62Cr
Other Unusual Items	-53Cr	5Cr	19Cr	6.6Cr	50L
EBT, Incl. Unusual Items	-250.5Cr	123.5Cr	728.9Cr	1.15TCr	1.29TCr
Income Tax Expense	32Cr	-33Cr	82Cr	191.7Cr	308.6Cr
Earnings From Continuing Operations	-282.7Cr	156.6Cr	647Cr	953.4Cr	977.4Cr
Earnings Of Discontinued Operations	4.9Cr	40L	30L	-	-
Net Income to Company	-277.8Cr	157Cr	647.3Cr	953.4Cr	977.4Cr
Minority Interest	-70L	-3Cr	-1.5Cr	-2.7Cr	-5.5Cr
Net Income - (IS)	-278.5Cr	154Cr	645.8Cr	950.7Cr	971.9Cr
Preferred Dividend and Other Adjustments	12Cr	3Cr	7.4Cr	18Cr	25Cr
Net Income to Common Incl Extra Items	-290.7Cr	151Cr	638.4Cr	933.2Cr	947.2Cr
Net Income to Common Excl. Extra Items	-295.6Cr	150.6Cr	638.1Cr	933.2Cr	947.2Cr
Per Share Items
Net EPS - Basic	-1.31	0.68	3.08	5.11	5.84
Basic EPS - Continuing Operations	-1.33	0.68	3.08	5.11	5.84
Basic Weighted Average Shares Outstanding	222.67Cr	222.17Cr	206.95Cr	182.79Cr	162.16Cr
Net EPS - Diluted	-1.31	0.67	3.06	5.04	5.78
Diluted EPS - Continuing Operations	-1.33	0.67	3.05	5.04	5.78
Diluted Weighted Average Shares Outstanding	222.67Cr	223.6Cr	208.85Cr	184.98Cr	163.85Cr
Normalized Basic EPS	0.2	0.81	2.25	4.42	5.53
Normalized Diluted EPS	0.2	0.8	2.23	4.36	5.47
Dividend Per Share	0.12	0.54	0.99	1.8	2.4
Payout Ratio	-20.79	50.26	26.35	25.67	50.93
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	-12.85	-26.8	11.24	16.74	24
Total Current Taxes	-55Cr	-36Cr	107.9Cr	102.3Cr	171.2Cr
Total Deferred Taxes	87Cr	2.4Cr	-26Cr	89Cr	137.4Cr
Normalized Net Income	46Cr	178.88Cr	466.5Cr	807.42Cr	896.94Cr
Non-Cash Pension Expense	6.2Cr	1.2Cr	5.2Cr	12Cr	11Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	5.3Cr	6.9Cr	5.7Cr	7.6Cr	7.3Cr
Total Stock-Based Compensation	5.3Cr	6.9Cr	5.7Cr	7.6Cr	7.3Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	10TCr	11TCr	11TCr	6.11TCr	4.16TCr
Investment Securities, Total	16TCr	14TCr	12TCr	14TCr	16TCr
Trading Asset Securities, Total	8.23TCr	8.66TCr	6.27TCr	5.68TCr	5.61TCr
Total investments	25TCr	22TCr	18TCr	19TCr	21TCr
Gross Loans	51TCr	50TCr	52TCr	50TCr	50TCr
Allowance For Loan Losses	-1.68TCr	-1.32TCr	-1.19TCr	-1.04TCr	-926.9Cr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	49TCr	49TCr	51TCr	49TCr	49TCr
Gross Property Plant And Equipment	1.28TCr	1.55TCr	1.58TCr	1.54TCr	1.51TCr
Accumulated Depreciation	-458.9Cr	-759.8Cr	-800.6Cr	-815.1Cr	-806.9Cr
Net Property Plant And Equipment	822Cr	788.1Cr	778Cr	722.4Cr	698.8Cr
Goodwill	0	0	0	-	3.8Cr
Other Intangibles, Total	211.7Cr	221.3Cr	235Cr	227.2Cr	219.1Cr
Investment in Real Estate	109.2Cr	99Cr	88Cr	86Cr	136.3Cr
Accrued Interest Receivable	72Cr	72Cr	83Cr	85Cr	102.4Cr
Other Receivables	319.4Cr	401.7Cr	502Cr	792.1Cr	891Cr
Restricted Cash	6.02TCr	5.09TCr	1.94TCr	780.9Cr	828.8Cr
Other Current Assets, Total	205.3Cr	1.44TCr	132.9Cr	49Cr	54Cr
Deferred Tax Assets Long-Term (Collected)	1.14TCr	1.16TCr	1.18TCr	1.07TCr	958.8Cr
Other Real Estate Owned And Foreclosed	63Cr	4.4Cr	50Cr	54Cr	44Cr
Other Long-Term Assets, Total	413Cr	419.4Cr	500.8Cr	518.3Cr	446.6Cr
Total Assets	93TCr	92TCr	86TCr	78TCr	78TCr
Liabilities
Accounts Payable, Total	99Cr	105.4Cr	127.5Cr	99Cr	92Cr
Accrued Expenses, Total	537.3Cr	664.8Cr	543.9Cr	594.6Cr	627.8Cr
Interest Bearing Deposits	18TCr	18TCr	18TCr	13TCr	12TCr
Non-Interest Bearing Deposits	41TCr	43TCr	41TCr	38TCr	38TCr
Total Deposits	58TCr	61TCr	59TCr	51TCr	50TCr
Short-Term Borrowings	12TCr	8.06TCr	5.44TCr	5.56TCr	6.95TCr
Current Portion of Leases	38Cr	38Cr	35Cr	36Cr	33Cr
Long-Term Debt	13TCr	12TCr	11TCr	12TCr	12TCr
Long-Term Leases	193.8Cr	168.2Cr	149.5Cr	134.4Cr	115.6Cr
Current Income Taxes Payable	79Cr	63Cr	114Cr	119.1Cr	145.6Cr
Accrued Interest Payable	11Cr	7.3Cr	21Cr	23Cr	23Cr
Other Current Liabilities - (Bank / Utility Template)	1.35TCr	1.73TCr	1.27TCr	1.18TCr	759.6Cr
Pension & Other Post Retirement Benefits	626.9Cr	525.4Cr	332.7Cr	341.8Cr	348.7Cr
Deferred Tax Liability Non-Current	57Cr	59Cr	54Cr	29Cr	25Cr
Other Non Current Liabilities	998.6Cr	1TCr	974.9Cr	939.3Cr	1.06TCr
Total Liabilities	87TCr	85TCr	79TCr	72TCr	72TCr
Common Stock, Total	2.11TCr	2.11TCr	2.12TCr	2.13TCr	2.14TCr
Additional Paid In Capital	938.6Cr	544.6Cr	251.6Cr	2.3Cr	2.3Cr
Retained Earnings	2.07TCr	2.45TCr	3.02TCr	3.5TCr	3.51TCr
Treasury Stock	-30L	-20Cr	-	-172.7Cr	-
Comprehensive Income and Other	839.4Cr	1.08TCr	942.3Cr	953.4Cr	597.5Cr
Total Common Equity	5.95TCr	6.16TCr	6.33TCr	6.41TCr	6.24TCr
Minority Interest	44Cr	46Cr	16Cr	16Cr	40Cr
Total Equity	5.99TCr	6.21TCr	6.35TCr	6.42TCr	6.28TCr
Total Liabilities And Equity	93TCr	92TCr	86TCr	78TCr	78TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	223.73Cr	221.11Cr	193.53Cr	171.24Cr	155.14Cr
ECS Total Common Shares Outstanding	223.73Cr	221.11Cr	193.53Cr	171.24Cr	155.14Cr
Book Value / Share	26.6	27.87	32.73	37.42	40.25
Tangible Book Value	5.74TCr	5.94TCr	6.1TCr	6.18TCr	6.02TCr
Tangible Book Value Per Share	25.65	26.87	31.51	36.09	38.81
Total Debt	25TCr	21TCr	17TCr	18TCr	19TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	565.5Cr	471.2Cr	293.2Cr	306Cr	317.2Cr
Net Debt	-213.2Cr	-3.29TCr	-4.99TCr	1.1TCr	4.16TCr
Equity Method Investments, Total	435.4Cr	407.3Cr	344.6Cr	392.5Cr	428.9Cr
Full Time Employees	82.11T	78.57T	75.04T	70.75T	75.26T
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-278.5Cr	154Cr	645.8Cr	950.7Cr	971.9Cr
Depreciation, Depletion & Amortization	79Cr	75Cr	72Cr	56Cr	68Cr
Amortization of Goodwill and Intangible Assets - (CF)	13Cr	10L	20L	20L	60L
Total Depreciation, Depletion & Amortization	92Cr	75Cr	72Cr	56Cr	68Cr
Amortization of Deferred Charges, Total	30Cr	50Cr	50Cr	43Cr	54Cr
(Gain) Loss On Sale of Asset - (CF)	12Cr	-	-	16Cr	-
(Gain) Loss on Sale of Investments - (CF)	-40Cr	-286.7Cr	-488.9Cr	91Cr	296.8Cr
Total Asset Writedown	8.4Cr	17Cr	7.9Cr	36Cr	8.8Cr
Restructuring Activities	-	8Cr	-	12Cr	-
Provision for Credit Losses	701Cr	425.2Cr	467.2Cr	314.7Cr	289.7Cr
Change in Trading Asset Securities	796.8Cr	395.2Cr	3.74TCr	-1.34TCr	-1.82TCr
Change in Other Net Operating Assets (Collected)	6.69TCr	-1.89TCr	-3.59TCr	-4.59TCr	-996.9Cr
Other Operating Activities	322.1Cr	299.9Cr	123.6Cr	298.3Cr	420.8Cr
Net Cash From Discontinued Operations	1.9Cr	-	-	-	-
Cash from Operations	8.33TCr	-752.1Cr	1.03TCr	-4.11TCr	-707.6Cr
Capital Expenditure	-73Cr	-52Cr	-52Cr	-59Cr	-125Cr
Sale of Property, Plant, and Equipment	141.7Cr	39Cr	39Cr	27Cr	28Cr
Cash Acquisitions	-1.6Cr	-9.9Cr	-	-	22Cr
Divestitures	3.9Cr	2.9Cr	2.4Cr	30L	-
Purchase / Sale of Intangible Assets	-70Cr	-72Cr	-65Cr	-56Cr	-49Cr
Investment in Marketable and Equity Securities, Total	50Cr	6.6Cr	38Cr	-1.8Cr	40L
Other Investing Activities, Total	6.1Cr	15Cr	14Cr	11Cr	17Cr
Cash from Investing	57Cr	-70Cr	-24Cr	-79Cr	-106.5Cr
Issuance of Common Stock	123.9Cr	-	-	-	-
Repurchase of Common Stock	-	-63Cr	-354.3Cr	-601.3Cr	-604Cr
Common Dividends Paid	-58Cr	-77Cr	-170.2Cr	-244Cr	-495Cr
Common & Preferred Stock Dividends Paid	-58Cr	-77Cr	-170.2Cr	-244Cr	-495Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-	-	-31Cr	-	-
Cash from Financing	66Cr	-140.8Cr	-555.1Cr	-845.3Cr	-1.1TCr
Foreign Exchange Rate Adjustments	-15Cr	3.2Cr	-11Cr	-41Cr	-43Cr
Net Change in Cash	8.44TCr	-959.6Cr	436.9Cr	-5.08TCr	-1.96TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-0.32	0.17	0.73	1.16	1.25
Return On Equity %	-4.64	2.57	10.26	14.93	15.38
Return on Common Equity	-4.89	2.49	10.17	14.65	14.97
Shareholders Value Added	-899.58Cr	-489.21Cr	-87Cr	252.58Cr	265.94Cr
Margin Analysis
SG&A Margin	86.89	75.75	56.39	43.52	39.81
Net Interest Income / Total Revenues %	82.35	68.67	61.22	63.83	63.09
EBT Excl. Non-Recurring Items Margin %	6.28	21.16	41.44	56.46	60.18
Income From Continuing Operations Margin %	-23.99	11.39	35.81	41.53	40.74
Net Income Margin %	-23.63	11.2	35.74	41.41	40.51
Net Avail. For Common Margin %	-25.08	10.95	35.31	40.65	39.48
Normalized Net Income Margin	3.86	13.01	25.82	35.17	37.38
Asset quality
Nonperforming Loans / Total Loans %	4.2	3.24	2.42	2.35	2.25
Nonperforming Loans / Total Assets %	2.28	1.77	1.46	1.49	1.42
Nonperforming Assets / Total Assets %	2.35	1.78	1.52	1.56	1.48
NPAs / Loans and OREO	4.32	3.25	2.52	2.46	2.34
NPAs / Equity	36.49	26.27	20.55	19.04	18.46
Allowance for Credit Losses / Nonperforming Loans %	79.28	80.93	94.72	88.52	83.07
Allowance for Credit Losses / Total Loans %	3.33	2.62	2.3	2.08	1.87
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.77	6.55	7.07	7.76	8.06
Total Average Equity / Total Average Assets %	6.81	6.6	7.11	7.78	8.1
Total Equity + Allowance for Loan Losses / Total Loans %	15.08	14.9	14.53	14.97	14.47
Gross Loans / Total Deposits %	86.73	82.78	87.76	97.62	99.47
Net Loans / Total Deposits %	83.84	80.61	85.74	95.58	97.61
Tier 1 Capital Ratio %	18.22	17.94	18.65	17.84	17.75
Total Capital Ratio %	20.72	20.14	21.42	20.9	20.41
Core Tier 1 Capital Ratio	15.96	15.82	16.68	16.14	15.96
Tier 2 Capital Ratio	2.5	2.2	2.77	3.06	2.66
Coverage Ratio	79.28	80.93	94.72	88.52	83.07
Interbank Ratio	67.07	59.47	77.64	80.16	81.14
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.32	1.34	2.28	1.59	1.64
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-8.16	-2.71	17.15	32.47	3.32
Non Interest Income, 1 Yr. Growth %	-22.69	4.69	39.6	-0.82	7.14
Provision For Loan Losses, 1 Yr. Growth %	18.03	-53.3	24.6	-67.45	13.46
Total Revenues, 1 Yr. Growth %	-21.9	22.22	26.47	27.05	4.52
Earnings From Cont. Operations, 1 Yr. Growth %	-230.94	-155.39	204.9	47.36	2.52
Net Income, 1 Yr. Growth %	-182.57	-155.3	208.11	47.21	2.23
Normalized Net Income, 1 Yr. Growth %	-79.75	-12.99T	119.14	70.32	12.86
Diluted EPS Before Extra, 1 Yr. Growth %	-254.81	-150.71	231.22	65.16	14.59
Dividend Per Share, 1 Yr. Growth %	-	348.33	83.49	82.63	33.26
Gross Loans, 1 Yr. Growth %	0.08	2.17	0.69	-4	-0.34
Allowance For Loan Losses, 1 Yr. Growth %	-11.47	-21.76	-14.79	-12.91	-10.45
Net Loans, 1 Yr. Growth %	0.53	3.02	1.12	-3.79	-0.12
Non Performing Loans, 1 Yr. Growth %	-16.01	-23.43	-27.47	-6.82	-4.58
Non Performing Assets, 1 Yr. Growth %	-16.92	-25.42	-26.9	-8.43	-5.17
Total Assets, 1 Yr. Growth %	8.86	-1.59	-6.48	-8.49	-0.12
Total Deposits, 1 Yr Growth %	15.35	3.9	-2.89	-13.75	-2.2
Tangible Book Value, 1 Yr. Growth %	-2.09	3.53	1.73	1.35	-2.58
Common Equity, 1 Yr. Growth %	-3.11	3.56	1.86	1.17	-2.56
Total Equity, 1 Yr. Growth %	-2.98	3.59	1.35	1.17	-2.18
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.76	-5.47	6.76	24.58	16.99
Non Interest Income, 2 Yr. CAGR %	-9.72	-10.03	20.89	17.67	3.08
Provision For Loan Losses, 2 Yr. CAGR %	24.34	-21.07	-33.84	-36.32	-39.23
Total Revenues, 2 Yr. CAGR %	-14.44	-4.54	26.73	26.76	15.23
Earnings From Cont. Operations, 2 Yr. CAGR %	-18.09	-14.83	51.28	111.97	22.91
Net Income, 2 Yr. CAGR %	-17.65	-32.43	52.28	112.97	22.68
Normalized Net Income, 2 Yr. CAGR %	-58.43	-10.82	1.73T	94.76	37.55
Diluted EPS Before Extra, 2 Yr. CAGR %	-12.76	-11.4	51.69	133.89	37.57
Dividend Per Share, 2 Yr. CAGR %	-33.33	-	186.82	83.06	56
Gross Loans, 2 Yr. CAGR %	-0.63	-0.37	2.65	-1.68	-2.19
Allowance For Loan Losses, 2 Yr. CAGR %	-19.29	-16.81	-15.95	-13.86	-11.69
Net Loans, 2 Yr. CAGR %	0.26	0.21	3.25	-1.36	-1.98
Non Performing Loans, 2 Yr. CAGR %	-25.39	-19.8	-23.15	-17.79	-5.7
Non Performing Assets, 2 Yr. CAGR %	-24.94	-21.29	-22.76	-17.21	-6.81
Total Assets, 2 Yr. CAGR %	5.8	3.5	-4.04	-7.49	-4.4
Total Deposits, 2 Yr CAGR %	7.68	9.48	0.54	-8.44	-8.15
Tangible Book Value, 2 Yr. CAGR %	4.18	0.68	3.09	1.54	-0.64
Common Equity, 2 Yr. CAGR %	2.73	0.17	3.17	1.51	-0.71
Total Equity, 2 Yr. CAGR %	2.23	0.25	2.92	1.26	-0.52
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.94	-5.43	1.53	14.72	17.04
Non Interest Income, 3 Yr. CAGR %	-7.79	-5.15	4.15	13.17	14.05
Provision For Loan Losses, 3 Yr. CAGR %	25.22	-6.55	-16.42	-47.77	-22.8
Total Revenues, 3 Yr. CAGR %	-10.45	-5.12	6.19	26.84	18.86
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.07	-28.1	44.17	49.96	66.38
Net Income, 3 Yr. CAGR %	-20.16	-27.89	24.17	50.57	66.75
Normalized Net Income, 3 Yr. CAGR %	-40.67	-12.13	27.53	734.88	61.51
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.98	-27.19	52.72	56.05	84.38
Dividend Per Share, 3 Yr. CAGR %	-27.89	25.84	-	146.75	64.67
Gross Loans, 3 Yr. CAGR %	2.19	-0.7	0.78	0.39	-1.23
Allowance For Loan Losses, 3 Yr. CAGR %	-16.81	-20.15	-14.51	-14.95	-12.74
Net Loans, 3 Yr. CAGR %	3.47	0.14	1.29	0.85	-0.95
Non Performing Loans, 3 Yr. CAGR %	-23.97	-24.74	-20.84	-18.05	-13.6
Non Performing Assets, 3 Yr. CAGR %	-23.23	-25.1	-20.86	-17.61	-13.38
Total Assets, 3 Yr. CAGR %	3.64	3.28	0.08	-5.54	-5.1
Total Deposits, 3 Yr CAGR %	6.64	6.41	5.26	-4.44	-6.41
Tangible Book Value, 3 Yr. CAGR %	0.85	3.96	1.33	2.5	0.14
Common Equity, 3 Yr. CAGR %	0.1	3.01	1.03	2.5	0.14
Total Equity, 3 Yr. CAGR %	-0.16	2.68	0.92	2.34	0.1
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.59	-2.49	0.83	5.59	7.46
Non Interest Income, 5 Yr. CAGR %	-3.71	-1.75	2.76	3.39	3.72
Provision For Loan Losses, 5 Yr. CAGR %	0.7	-28.9	-0.58	-24.28	-26.42
Total Revenues, 5 Yr. CAGR %	-4.16	18.61	1.94	7.36	9.72
Earnings From Cont. Operations, 5 Yr. CAGR %	33.42	-33.41	15.82	17.74	35.26
Net Income, 5 Yr. CAGR %	10.45	-33.44	3.36	18.28	23.57
Normalized Net Income, 5 Yr. CAGR %	0.92	-20.36	16.43	25.09	31.87
Diluted EPS Before Extra, 5 Yr. CAGR %	29.38	-49.68	16.73	23.66	46.47
Dividend Per Share, 5 Yr. CAGR %	-36.9	-	25.27	46.19	-
Gross Loans, 5 Yr. CAGR %	0.73	0.86	1.77	-0.61	-0.41
Allowance For Loan Losses, 5 Yr. CAGR %	-16.66	-17.06	-16.48	-16.73	-13.4
Net Loans, 5 Yr. CAGR %	2.04	1.93	2.75	0	-0.02
Non Performing Loans, 5 Yr. CAGR %	-22.87	-22	-23.64	-21.07	-15.1
Non Performing Assets, 5 Yr. CAGR %	-22.42	-21.96	-23.05	-20.63	-15.12
Total Assets, 5 Yr. CAGR %	1.6	1.3	0.5	-1.16	-1.73
Total Deposits, 5 Yr CAGR %	7.02	6.49	4.16	0.23	-0.31
Tangible Book Value, 5 Yr. CAGR %	4.33	10.45	1.74	3.17	0.54
Common Equity, 5 Yr. CAGR %	3.51	9.4	1.32	2.59	0.33
Total Equity, 5 Yr. CAGR %	2.31	7.53	1.06	2.3	0.34