Financial Ratios United Bank Limited

Stocks

UBL

PK0081901016

Banks

End-of-day quote Pakistan S.E. Other stock markets 20/07/2026			5-day change	1st Jan Change
471.94 ^PKR	+1.28%		-0.94%	+11.15%

21/05	United Bank Q1 consol profit egp 615 mln	RE
15/04	United Bank Limited, 2025 Earnings Call, Apr 15, 2026

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Published financial data: UNITED BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	15TCr	26TCr	54TCr	1,08500Cr	1,18500Cr
Interest Income On Investments	157.09Cr	153.67Cr	161.45Cr	174.17Cr	234.03Cr
Interest Income, Total	15TCr	26TCr	54TCr	1,08600Cr	1,18700Cr
Interest On Deposits	7.8TCr	15TCr	39TCr	91TCr	82TCr
Interest Expense, Total	7.8TCr	15TCr	39TCr	91TCr	82TCr
Net Interest Income	7.63TCr	11TCr	15TCr	18TCr	36TCr
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	3.65Cr	18Cr	49Cr	24Cr	16Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	347.78Cr	56Cr	-1.16TCr	4.55TCr	987.9Cr
Total Other Non Interest Income	1.92TCr	3.42TCr	3.34TCr	3.62TCr	5.03TCr
Non Interest Income, Total	2.28TCr	3.5TCr	2.23TCr	8.2TCr	6.04TCr
Revenues Before Provison For Loan Losses	9.91TCr	14TCr	17TCr	26TCr	42TCr
Provision For Loan Losses	-125.16Cr	1.76TCr	-1.11TCr	1.28TCr	-465.34Cr
Total Revenues	10TCr	13TCr	18TCr	24TCr	43TCr
Salaries And Other Employee Benefits	103.5Cr	135.26Cr	215.88Cr	314.58Cr	570.38Cr
Selling General & Admin Expenses, Total	273.91Cr	336.11Cr	455.03Cr	814.46Cr	1.4TCr
(Income) Loss on Equity Invest.	-34Cr	65Cr	99Cr	-90Cr	-97Cr
Total Other Non Interest Expense	4.49TCr	5.29TCr	6.58TCr	8.9TCr	12TCr
Non Interest Expense, Total	4.83TCr	5.82TCr	7.35TCr	9.94TCr	14TCr
EBT, Excl. Unusual Items	5.2TCr	6.84TCr	11TCr	15TCr	29TCr
Asset Writedown	20Cr	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	5.22TCr	6.84TCr	11TCr	15TCr	29TCr
Income Tax Expense	2.15TCr	3.64TCr	5.41TCr	7.02TCr	16TCr
Earnings From Continuing Operations	3.07TCr	3.21TCr	5.65TCr	7.48TCr	13TCr
Earnings Of Discontinued Operations	-7.07Cr	2.09Cr	-	94Cr	-
Net Income to Company	3.06TCr	3.21TCr	5.65TCr	7.58TCr	13TCr
Minority Interest	-21Cr	-55Cr	-132.58Cr	-62Cr	-2.05Cr
Net Income - (IS)	3.04TCr	3.15TCr	5.51TCr	7.52TCr	13TCr
Net Income to Common Incl Extra Items	3.04TCr	3.15TCr	5.51TCr	7.52TCr	13TCr
Net Income to Common Excl. Extra Items	3.05TCr	3.15TCr	5.51TCr	7.42TCr	13TCr
Per Share Items
Net EPS - Basic	12.42	12.88	22.52	30.7	52.13
Basic EPS - Continuing Operations	12.45	12.87	22.52	30.31	52.13
Basic Weighted Average Shares Outstanding	244.84Cr	244.84Cr	244.84Cr	244.84Cr	249.37Cr
Net EPS - Diluted	12.42	12.88	22.52	30.7	52.13
Diluted EPS - Continuing Operations	12.45	12.87	22.52	30.31	52.13
Diluted Weighted Average Shares Outstanding	244.84Cr	244.84Cr	244.84Cr	244.84Cr	249.37Cr
Normalized Basic EPS	13.18	17.25	27.69	36.77	72.95
Normalized Diluted EPS	13.18	17.25	27.69	36.77	72.95
Dividend Per Share	9	11	22	22	29.5
Payout Ratio	77.68	56.72	107.42	71.62	51.6
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	41.16	53.15	48.93	48.4	55.34
Current Domestic Taxes	-	-	-	-	-
Current Foreign Taxes	-	-	-	-	-
Total Current Taxes	2.11TCr	3.13TCr	5.34TCr	8.61TCr	12TCr
Deferred Domestic Taxes	-	-	-	-	-
Deferred Foreign Taxes	-	-	-	-	-
Total Deferred Taxes	59Cr	140.41Cr	-126.5Cr	-425.2Cr	3.3TCr
Normalized Net Income	3.23TCr	4.22TCr	6.78TCr	9TCr	18TCr
Non-Cash Pension Expense	7.88Cr	-26Cr	-40Cr	-72Cr	-158.07Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	17TCr	11TCr	25TCr	26TCr	40TCr
Investment Securities, Total	1,49800Cr	1,50700Cr	4,37700Cr	5,86800Cr	9,90600Cr
Trading Asset Securities, Total	7.9TCr	3.13TCr	8.35TCr	2.63TCr	6.87TCr
Total investments	1,57700Cr	1,53800Cr	4,46000Cr	5,89500Cr	9,97500Cr
Gross Loans	85TCr	1,18900Cr	99TCr	1,58100Cr	1,50700Cr
Allowance For Loan Losses	-8.24TCr	-9.23TCr	-10TCr	-12TCr	-12TCr
Other Adjustments to Gross Loans	-2.36Cr	-2.14Cr	-1.12Cr	-3.9Cr	-10Cr
Net Loans	77TCr	1,09700Cr	89TCr	1,45900Cr	1,38400Cr
Gross Property Plant And Equipment	10TCr	11TCr	12TCr	13TCr	20TCr
Accumulated Depreciation	-2.4TCr	-2.84TCr	-3.31TCr	-2.96TCr	-4.01TCr
Net Property Plant And Equipment	7.62TCr	7.94TCr	8.51TCr	9.58TCr	16TCr
Goodwill	-	-	-	25Cr	175.23Cr
Other Intangibles, Total	243.28Cr	251.81Cr	255.24Cr	254.05Cr	5.69TCr
Accrued Interest Receivable	2.79TCr	5.16TCr	12TCr	16TCr	29TCr
Other Receivables	180.48Cr	576.12Cr	259.56Cr	1.23TCr	2.47TCr
Restricted Cash	13TCr	5.06TCr	6.08TCr	11TCr	21TCr
Other Current Assets, Total	1.95TCr	2.43TCr	2.54TCr	6.62TCr	13TCr
Deferred Tax Assets Long-Term (Collected)	304.08Cr	1.68TCr	-	-	-
Other Real Estate Owned And Foreclosed	21Cr	4.08Cr	4.21Cr	4.21Cr	35Cr
Other Long-Term Assets, Total	156.54Cr	352.73Cr	384.7Cr	208.1Cr	633.95Cr
Total Assets	2,78100Cr	2,97800Cr	5,90500Cr	8,06900Cr	12,62900Cr
Liabilities
Accrued Expenses, Total	1.53TCr	1.67TCr	2.73TCr	3.25TCr	4TCr
Interest Bearing Deposits	1,10100Cr	1,15900Cr	1,50000Cr	1,11500Cr	2,54600Cr
Non-Interest Bearing Deposits	79TCr	88TCr	1,13500Cr	1,52500Cr	2,62200Cr
Total Deposits	1,88600Cr	2,03500Cr	2,63500Cr	2,64000Cr	5,16800Cr
Short-Term Borrowings	53TCr	51TCr	2,79200Cr	4,82800Cr	6,50900Cr
Current Portion of Long-Term Debt	469.53Cr	2.79TCr	179.2Cr	54Cr	110.21Cr
Current Portion of Leases	61.79L	56.11L	77.85L	45Cr	76Cr
Long-Term Debt	4.14TCr	4TCr	4.32TCr	3.85TCr	3.15TCr
Long-Term Leases	857.94Cr	960.93Cr	1.05TCr	1.19TCr	3.88TCr
Current Income Taxes Payable	-	-	727.53Cr	-	-
Accrued Interest Payable	1.6TCr	4.08TCr	4.87TCr	5.69TCr	4.78TCr
Deferred Tax Liability Current	-	-	-	982.78Cr	-
Other Current Liabilities - (Bank / Utility Template)	4.33TCr	6.25TCr	4.09TCr	8.34TCr	13TCr
Unearned Revenue Non Current	122.93Cr	185.68Cr	223.02Cr	563.24Cr	560.46Cr
Pension & Other Post Retirement Benefits	233.05Cr	267.42Cr	259.04Cr	292.15Cr	415.77Cr
Deferred Tax Liability Non-Current	-	-	207.92Cr	2.95TCr	14TCr
Other Non Current Liabilities	367.19Cr	357.51Cr	580.64Cr	861.05Cr	1.06TCr
Total Liabilities	2,55300Cr	2,74900Cr	5,61900Cr	7,74800Cr	12,12300Cr
Common Stock, Total	1.22TCr	1.22TCr	1.22TCr	1.22TCr	1.25TCr
Additional Paid In Capital	-	-	-	-	1.05TCr
Retained Earnings	13TCr	14TCr	14TCr	17TCr	25TCr
Comprehensive Income and Other	7.91TCr	7TCr	11TCr	14TCr	23TCr
Total Common Equity	22TCr	22TCr	27TCr	32TCr	51TCr
Minority Interest	861.22Cr	912.53Cr	1.49TCr	4.99Cr	7.05Cr
Total Equity	23TCr	23TCr	29TCr	32TCr	51TCr
Total Liabilities And Equity	2,78100Cr	2,97800Cr	5,90500Cr	8,06900Cr	12,62900Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	244.84Cr	244.84Cr	244.84Cr	244.84Cr	250.42Cr
ECS Total Common Shares Outstanding	244.84Cr	244.84Cr	244.84Cr	244.84Cr	250.42Cr
Book Value / Share	89.73	89.88	110.67	131.01	201.75
Tangible Book Value	22TCr	22TCr	27TCr	32TCr	45TCr
Tangible Book Value Per Share	88.74	88.85	109.63	129.87	178.31
Total Debt	59TCr	59TCr	2,84700Cr	4,87900Cr	6,58100Cr
Deposits at Interest - Cash	3.1TCr	1.23TCr	2.76TCr	4.02TCr	4.93TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-192.25Cr	-247.25Cr	-473.06Cr	-1.31TCr	-2.72TCr
Net Debt	29TCr	36TCr	2,49200Cr	4,58700Cr	6,09900Cr
Equity Method Investments, Total	807.66Cr	477.94Cr	310.67Cr	488.89Cr	703.89Cr
Full Time Employees	11.18T	12.28T	13.64T	17.84T	23.92T
Number Of Offices	1.35T	1.34T	1.36T	1.48T	2.02T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	3.04TCr	3.15TCr	5.51TCr	7.52TCr	13TCr
Depreciation, Depletion & Amortization	497.61Cr	590.82Cr	686.4Cr	837.31Cr	1.42TCr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	474.49Cr
Total Depreciation, Depletion & Amortization	497.61Cr	590.82Cr	686.4Cr	837.31Cr	1.89TCr
Amortization of Deferred Charges, Total	88Cr	91Cr	108.53Cr	102.26Cr	118.93Cr
(Gain) Loss On Sale of Asset - (CF)	-3.25Cr	-696.26Cr	-49Cr	-24Cr	-16Cr
(Gain) Loss on Sale of Investments - (CF)	-181.42Cr	2.08TCr	-592.43Cr	-1.58TCr	-62Cr
Total Asset Writedown	-17Cr	1.13Cr	-2.9Cr	48Cr	8.6Cr
Provision for Credit Losses	131.59Cr	-261Cr	-460.84Cr	1.14TCr	-392.09Cr
(Income) Loss On Equity Investments - (CF)	-34Cr	65Cr	99Cr	-90Cr	-97Cr
Change in Trading Asset Securities	-7.18TCr	4.73TCr	-5.15TCr	5.5TCr	-4.26TCr
Change in Other Net Operating Assets (Collected)	24TCr	-36TCr	2,46800Cr	1,44000Cr	1,61800Cr
Other Operating Activities	199.76Cr	626.47Cr	1.14TCr	-2.36TCr	2.86TCr
Cash from Operations	21TCr	-25TCr	2,48100Cr	1,55100Cr	1,74800Cr
Capital Expenditure	-383.32Cr	-651.56Cr	-891.32Cr	-1.66TCr	-15TCr
Sale of Property, Plant, and Equipment	6.73Cr	74Cr	206.81Cr	38Cr	37Cr
Cash Acquisitions	-	-	-	-	1.52TCr
Divestitures	13Cr	762.77Cr	-	-	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-29TCr	-3.54TCr	-2,88100Cr	-1,41400Cr	-3,82900Cr
Other Investing Activities, Total	585.38Cr	1.38TCr	2.39TCr	-856.56Cr	282.17Cr
Cash from Investing	-29TCr	-1.97TCr	-2,86400Cr	-1,43900Cr	-3,96500Cr
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Long-Term Debt Repaid, Total	-271.44Cr	-296.04Cr	-334.69Cr	-362.32Cr	-945.12Cr
Total Debt Repaid	-271.44Cr	-296.04Cr	-334.69Cr	-362.32Cr	-945.12Cr
Common Dividends Paid	-2.36TCr	-1.79TCr	-5.92TCr	-5.38TCr	-6.71TCr
Common & Preferred Stock Dividends Paid	-2.36TCr	-1.79TCr	-5.92TCr	-5.38TCr	-6.71TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	12TCr	15TCr	60TCr	515.99Cr	2,52800Cr
Other Financing Activities, Total	-38.51L	-	-	-	-
Cash from Financing	9.5TCr	13TCr	53TCr	-5.23TCr	2,45200Cr
Foreign Exchange Rate Adjustments	-	2.33TCr	2.41TCr	-166.5Cr	139.97Cr
Net Change in Cash	1.62TCr	-12TCr	18TCr	5.84TCr	24TCr
Supplemental Items
Cash Interest Paid	150.69Cr	80Cr	182.3Cr	349.69Cr	665.35Cr
Cash Income Tax Paid (Refund)	1.91TCr	3.32TCr	4.59TCr	8.36TCr	14TCr
Net Debt Issued / Repaid	-271.44Cr	-296.04Cr	-334.69Cr	-362.32Cr	-945.12Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.23	1.11	1.27	1.07	1.26
Return On Equity %	14.08	14.02	21.93	24.67	31.48
Return on Common Equity	14.52	14.33	22.46	25.08	31.48
Shareholders Value Added	521.92Cr	514.94Cr	2.57TCr	3.97TCr	8.52TCr
Margin Analysis
SG&A Margin	1.88	1.9	1.87	3.1	3.56
Net Interest Income / Total Revenues %	76.07	86.28	81.81	71.7	84.84
EBT Excl. Non-Recurring Items Margin %	51.81	54.03	60.08	59.33	67.87
Income From Continuing Operations Margin %	30.6	25.31	30.68	30.61	30.31
Net Income Margin %	30.32	24.9	29.96	30.74	30.31
Net Avail. For Common Margin %	30.39	24.88	29.96	30.36	30.31
Normalized Net Income Margin	32.17	33.34	36.83	36.83	42.41
Asset quality
Nonperforming Loans / Total Loans %	10.48	8.03	11.13	7.34	7.43
Nonperforming Loans / Total Assets %	3.2	3.21	1.87	1.44	0.89
Nonperforming Assets / Total Assets %	3.21	3.21	1.87	1.44	0.89
NPAs / Loans and OREO	10.5	8.04	11.14	7.34	7.45
NPAs / Equity	39.09	41.7	38.69	36.17	22.23
Allowance for Credit Losses / Net Charge-offs %	2.6T	3.33T	37.16T	57.92T	252.27
Allowance for Credit Losses / Nonperforming Loans %	92.59	96.59	93.75	104.87	109.92
Allowance for Credit Losses / Total Loans %	9.7	7.76	10.44	7.69	8.17
Provision for Loan Losses / Net Charge-offs %	-39.46	635.17	-3.99T	6.08T	-9.54
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.43	7.64	5.53	4.23	3.99
Total Average Equity / Total Average Assets %	8.75	7.94	5.8	4.34	3.99
Total Equity + Allowance for Loan Losses / Total Loans %	35.55	26.27	37.72	27.98	41.69
Gross Loans / Total Deposits %	45.07	58.44	37.69	59.9	29.16
Net Loans / Total Deposits %	40.7	53.91	33.76	55.29	26.78
Tier 1 Capital Ratio %	14.78	13.13	11.08	15.45	16.31
Total Capital Ratio %	19.5	17.42	14.61	20.59	20.97
Core Tier 1 Capital Ratio	13.81	12.3	10.48	14.83	15.92
Tier 2 Capital Ratio	4.71	4.29	3.53	5.14	4.66
Coverage Ratio	-	-	-	104.87	109.92
Interbank Ratio	128.01	186.16	59.94	29.71	22.73
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.67	1.46	1.29	1.16	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.1	43.21	37.8	16.4	107.59
Non Interest Income, 1 Yr. Growth %	26.58	53.71	-37	137.84	-26.34
Provision For Loan Losses, 1 Yr. Growth %	-107.25	-1.51T	-163.26	1.2T	-136.42
Total Revenues, 1 Yr. Growth %	27.52	26.26	44.76	32.81	75.45
Earnings From Cont. Operations, 1 Yr. Growth %	47.53	4.46	76.14	32.53	73.73
Net Income, 1 Yr. Growth %	45.23	3.71	74.87	36.29	72.97
Normalized Net Income, 1 Yr. Growth %	49.13	30.86	60.54	32.8	100.72
Diluted EPS Before Extra, 1 Yr. Growth %	45.46	3.4	74.98	34.59	70.58
Dividend Per Share, 1 Yr. Growth %	50	22.22	100	0	34.09
Gross Loans, 1 Yr. Growth %	19.12	39.91	-16.48	59.22	-4.68
Allowance For Loan Losses, 1 Yr. Growth %	3.88	11.94	12.34	17.35	1.17
Net Loans, 1 Yr. Growth %	21.03	42.92	-18.91	64.1	-5.18
Non Performing Loans, 1 Yr. Growth %	4.43	7.3	15.75	4.9	-3.48
Non Performing Assets, 1 Yr. Growth %	4.39	7.09	15.74	4.9	-3.21
Total Assets, 1 Yr. Growth %	26.32	7.09	98.25	36.66	56.5
Total Deposits, 1 Yr Growth %	6.88	7.89	29.28	0.2	95.77
Tangible Book Value, 1 Yr. Growth %	9.68	0.13	23.38	18.46	40.43
Common Equity, 1 Yr. Growth %	9.78	0.17	23.13	18.37	57.51
Total Equity, 1 Yr. Growth %	9.96	0.38	24.73	12.22	57.51
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	8.8	18.41	40.48	26.65	55.45
Non Interest Income, 2 Yr. CAGR %	0.7	39.49	-0.9	52.01	32.36
Provision For Loan Losses, 2 Yr. CAGR %	-58.63	0.99	198.24	-14.8	117.89
Total Revenues, 2 Yr. CAGR %	12.27	26.89	35.46	38.66	52.65
Earnings From Cont. Operations, 2 Yr. CAGR %	23.04	24.14	35.64	52.78	51.74
Net Income, 2 Yr. CAGR %	26.19	22.72	34.66	54.38	53.54
Normalized Net Income, 2 Yr. CAGR %	20.08	39.69	44.94	46.01	63.82
Diluted EPS Before Extra, 2 Yr. CAGR %	22.47	22.64	34.51	53.46	52.14
Dividend Per Share, 2 Yr. CAGR %	22.47	35.4	56.35	41.42	15.8
Gross Loans, 2 Yr. CAGR %	4.76	29.1	8.1	15.32	23.19
Allowance For Loan Losses, 2 Yr. CAGR %	10.5	7.84	12.14	14.82	8.96
Net Loans, 2 Yr. CAGR %	4.2	31.52	7.66	15.36	24.74
Non Performing Loans, 2 Yr. CAGR %	6.95	5.85	11.44	10.19	0.62
Non Performing Assets, 2 Yr. CAGR %	6.4	5.73	11.33	10.19	0.76
Total Assets, 2 Yr. CAGR %	17.26	16.31	45.71	64.6	46.24
Total Deposits, 2 Yr CAGR %	10.02	7.38	18.2	13.81	40.05
Tangible Book Value, 2 Yr. CAGR %	9.38	4.79	11.15	20.9	28.98
Common Equity, 2 Yr. CAGR %	9.37	4.86	11.06	20.73	36.55
Total Equity, 2 Yr. CAGR %	9.37	5.06	11.9	18.31	32.95
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.57	19.24	24.55	31.95	49.33
Non Interest Income, 3 Yr. CAGR %	-2.21	15.95	7.53	53.29	19.39
Provision For Loan Losses, 3 Yr. CAGR %	-53.5	34	-13.59	116.92	-35.82
Total Revenues, 3 Yr. CAGR %	11.94	16.75	32.76	34.57	49.97
Earnings From Cont. Operations, 3 Yr. CAGR %	26.49	16.51	39.49	34.6	59.47
Net Income, 3 Yr. CAGR %	25.23	18.2	38.1	35.2	60.34
Normalized Net Income, 3 Yr. CAGR %	16.2	23.57	46.32	40.78	62.72
Diluted EPS Before Extra, 3 Yr. CAGR %	25.01	15.75	38.06	34.53	59.4
Dividend Per Share, 3 Yr. CAGR %	17.84	22.39	54.2	34.71	38.93
Gross Loans, 3 Yr. CAGR %	0.89	15.37	11.65	22.99	8.22
Allowance For Loan Losses, 3 Yr. CAGR %	10.5	10.98	9.32	13.85	10.07
Net Loans, 3 Yr. CAGR %	0.04	15.77	11.94	23.9	8.06
Non Performing Loans, 3 Yr. CAGR %	8.6	7.07	9.05	9.22	5.43
Non Performing Assets, 3 Yr. CAGR %	7.84	6.63	8.97	9.14	5.53
Total Assets, 3 Yr. CAGR %	11.57	13.77	38.94	42.63	61.85
Total Deposits, 3 Yr CAGR %	9.2	9.3	14.3	11.87	36.37
Tangible Book Value, 3 Yr. CAGR %	10.46	6.21	10.66	13.53	27.09
Common Equity, 3 Yr. CAGR %	10.45	6.21	10.63	13.44	31.92
Total Equity, 3 Yr. CAGR %	10.63	6.29	11.25	12	30.15
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.55	12.81	20.36	22.15	36.09
Non Interest Income, 5 Yr. CAGR %	0.71	9.16	-1.69	29.58	27.42
Provision For Loan Losses, 5 Yr. CAGR %	12.1	46.27	-2.21	11.8	-23.06
Total Revenues, 5 Yr. CAGR %	4.02	9.69	20.82	25.16	40.38
Earnings From Cont. Operations, 5 Yr. CAGR %	1.85	4.32	30.07	29.85	44.27
Net Income, 5 Yr. CAGR %	1.82	3.98	28.92	31.52	44.08
Normalized Net Income, 5 Yr. CAGR %	1.98	10.57	26.94	32.1	53.08
Diluted EPS Before Extra, 5 Yr. CAGR %	1.87	3.96	28.73	29.57	43.53
Dividend Per Share, 5 Yr. CAGR %	6.72	11.1	31.95	29.67	37.51
Gross Loans, 5 Yr. CAGR %	6.67	10.68	3.72	15.35	16.13
Allowance For Loan Losses, 5 Yr. CAGR %	14.34	15.67	11.16	12.5	9.17
Net Loans, 5 Yr. CAGR %	6.01	10.31	3.02	15.61	16.9
Non Performing Loans, 5 Yr. CAGR %	14.1	12.05	9.73	8.31	5.6
Non Performing Assets, 5 Yr. CAGR %	13.02	11.38	9.22	8.04	5.61
Total Assets, 5 Yr. CAGR %	10.85	6.93	24.14	31.88	41.81
Total Deposits, 5 Yr CAGR %	8.64	8.55	12.71	11.12	23.98
Tangible Book Value, 5 Yr. CAGR %	6.52	5.32	10.74	11.86	17.65
Common Equity, 5 Yr. CAGR %	6.61	5.42	10.69	11.8	20.35
Total Equity, 5 Yr. CAGR %	6.88	5.6	11.14	10.94	19.47