Cash flow HSBC Holdings plc

Equities

HSBA

GB0005405286

Banks

Market Closed - London S.E. Other stock markets 01:35:04 15/05/26 am AEST			5-day change	1st Jan Change
1,350.00 ^GBX	+0.82%		+2.12%	+15.01%

14/05	RBC Ups HSBC Price Target, Forecasts After Q1 Results	MT
14/05	Brookfield Asset Management Nears $935 Million Loan for World Freight Deal	MT

7af514be0ceee69a5.cFE0ihfGAzIhEmAXHSvqfgtiRUV8BGQr_JfeFv2NUSw.CWVjvFuLdmFAfhRbRHiDNT0IHQISdAJaseKkJrfUIXsCE0DCZPVTRUBVNQ

Published financial data: HSBC HOLDINGS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	36.19B	55.06B	101B	109B	97.87B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	36.19B	55.06B	101B	109B	97.87B
Interest On Deposits	9.7B	22.45B	65.07B	75.9B	63.08B
Interest Expense, Total	9.7B	22.45B	65.07B	75.9B	63.08B
Net Interest Income	26.49B	32.61B	35.8B	32.73B	34.79B
Income From Trading Activities	7.74B	10.47B	16.66B	21.12B	19.68B
Gain (Loss) on Sale of Assets	-	-	150M	-1.75B	-47M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	569M	-3M	-3B	-	-2.1B
Total Other Non Interest Income	14.75B	11.03B	10.19B	12.57B	14.74B
Non Interest Income, Total	23.06B	21.5B	24B	31.93B	32.28B
Revenues Before Provison For Loan Losses	49.55B	54.1B	59.8B	64.67B	67.07B
Provision For Loan Losses	-928M	3.59B	3.45B	3.41B	3.85B
Total Revenues	50.48B	50.51B	56.35B	61.25B	63.22B
Salaries And Other Employee Benefits	18.24B	17.94B	17.7B	17.89B	18.88B
Amort. of Goodwill & Intang. Assets	1.44B	1.72B	2.11B	2.16B	2.54B
Occupancy Expense	2.26B	2.16B	1.64B	1.84B	1.97B
Selling General & Admin Expenses, Total	12.1B	11.52B	10.9B	11.08B	12.63B
(Income) Loss on Equity Invest.	-3.05B	-2.72B	-2.81B	-2.91B	-2.91B
Non Interest Expense, Total	30.99B	30.61B	29.55B	30.05B	33.11B
EBT, Excl. Unusual Items	19.49B	19.9B	26.8B	31.2B	30.11B
Restructuring Charges	-	-2.38B	-	-	-
Impairment of Goodwill	-587M	-	285M	-77M	-405M
Asset Writedown	-	4M	-	-	-
Other Unusual Items	-	-	3.26B	1.19B	200M
EBT, Incl. Unusual Items	18.91B	17.53B	30.35B	32.31B	29.91B
Income Tax Expense	4.21B	858M	5.79B	7.31B	6.78B
Earnings From Continuing Operations	14.69B	16.67B	24.56B	25B	23.13B
Net Income to Company	14.69B	16.67B	24.56B	25B	23.13B
Minority Interest	-776M	-635M	-1.03B	-1.02B	-846M
Net Income - (IS)	13.92B	16.04B	23.53B	23.98B	22.28B
Preferred Dividend and Other Adjustments	1.31B	1.21B	1.1B	1.06B	1.18B
Net Income to Common Incl Extra Items	12.61B	14.82B	22.43B	22.92B	21.1B
Net Income to Common Excl. Extra Items	12.61B	14.82B	22.43B	22.92B	21.1B
Per Share Items
Net EPS - Basic	0.62	0.75	1.15	1.25	1.21
Basic EPS - Continuing Operations	0.62	0.75	1.15	1.25	1.21
Basic Weighted Average Shares Outstanding	20.2B	19.85B	19.48B	18.36B	17.43B
Net EPS - Diluted	0.62	0.74	1.14	1.24	1.2
Diluted EPS - Continuing Operations	0.62	0.74	1.14	1.24	1.2
Diluted Weighted Average Shares Outstanding	20.3B	19.99B	19.6B	18.48B	17.55B
Normalized Basic EPS	0.56	0.59	0.81	1.01	1.03
Normalized Diluted EPS	0.56	0.59	0.8	1	1.02
Dividend Per Share	0.25	0.32	0.61	0.66	0.75
Payout Ratio	41.6	40.81	49.26	52	57.28
American Depositary Receipts Ratio (ADR)	1.25	1.25	1.25	1.25	1.25
Supplemental Items
Effective Tax Rate - (Ratio)	22.28	4.9	19.08	22.63	22.66
Total Current Taxes	3.25B	2.99B	5.72B	6.12B	-
Total Deferred Taxes	963M	-2.13B	71M	1.2B	-
Normalized Net Income	11.41B	11.8B	15.73B	18.48B	17.97B
Non-Cash Pension Expense	243M	42M	-151M	-116M	-227M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	506M	424M	522M	578M	668M
Total Stock-Based Compensation	506M	424M	522M	578M	668M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	429B	347B	307B	287B	251B
Investment Securities, Total	821B	810B	886B	942B	1,083B
Trading Asset Securities, Total	435B	489B	508B	574B	594B
Total investments	1,256B	1,300B	1,394B	1,516B	1,676B
Gross Loans	1,086B	971B	988B	974B	1,035B
Allowance For Loan Losses	-11.43B	-11.52B	-11.09B	-9.73B	-10.7B
Other Adjustments to Gross Loans	-1.52B	-1.58B	-1.87B	-1.61B	-1.49B
Net Loans	1,073B	957B	975B	963B	1,022B
Net Property Plant And Equipment	13.24B	12.58B	12.93B	11.61B	12.61B
Goodwill	5.03B	4.16B	4.32B	4.12B	4.42B
Other Intangibles, Total	15.59B	17.16B	8.16B	8.27B	8.69B
Other Receivables	970M	1.23B	1.54B	1.31B	864M
Restricted Cash	75.8B	123B	119B	110B	124B
Other Current Assets, Total	44.64B	162B	175B	76.91B	91.77B
Deferred Tax Assets Long-Term (Collected)	4.62B	7.5B	7.75B	6.84B	7.24B
Other Long-Term Assets, Total	39.93B	35.23B	34.86B	31.97B	33.83B
Total Assets	2,958B	2,967B	3,039B	3,017B	3,233B
Liabilities
Accrued Expenses, Total	10.47B	12.35B	16.81B	16.28B	16.14B
Interest Bearing Deposits	1,828B	1,656B	1,706B	1,753B	1,912B
Total Deposits	1,828B	1,656B	1,706B	1,753B	1,912B
Short-Term Borrowings	191B	286B	235B	264B	238B
Current Portion of Long-Term Debt	179B	177B	242B	248B	263B
Long-Term Debt	170B	154B	164B	173B	196B
Long-Term Leases	3.59B	2.77B	2.81B	2.46B	3.32B
Current Income Taxes Payable	698M	1.14B	2.78B	1.73B	3.04B
Other Current Liabilities - (Bank / Utility Template)	191B	309B	288B	195B	200B
Pension & Other Post Retirement Benefits	1.61B	1.1B	1.16B	1.02B	1.07B
Deferred Tax Liability Non-Current	4.67B	2.42B	1.24B	1.32B	2.1B
Other Non Current Liabilities	171B	169B	187B	168B	192B
Total Liabilities	2,751B	2,771B	2,846B	2,825B	3,027B
Common Stock, Total	10.32B	10.15B	9.63B	8.97B	8.59B
Additional Paid In Capital	14.6B	14.66B	14.74B	14.81B	111M
Retained Earnings	144B	152B	152B	152B	170B
Comprehensive Income and Other	28.87B	10.6B	8.81B	8.79B	19.92B
Total Common Equity	198B	187B	185B	185B	198B
Minority Interest	8.53B	8.54B	7.28B	7.3B	7.44B
Total Equity	207B	196B	193B	192B	206B
Total Liabilities And Equity	2,958B	2,967B	3,039B	3,017B	3,233B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	20.07B	19.74B	19.01B	17.92B	17.14B
ECS Total Common Shares Outstanding	20.07B	19.74B	19.01B	17.92B	17.14B
Book Value / Share	8.76	8.5	8.82	9.26	10.36
Tangible Book Value	178B	166B	173B	173B	185B
Tangible Book Value Per Share	7.73	7.42	8.16	8.57	9.59
Tangible Book Value Per Share (As Reported)	7.88	7.57	8.19	8.61	9.64
Average Assets	3,012B	3,031B	3,060B	3,062B	3,198B
Average Loans	1,061B	1,024B	958B	950B	972B
Total Debt	543B	619B	644B	689B	700B
Deposits at Interest - Cash	161B	168B	174B	155B	187B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9.15B	-6.48B	-6.89B	-6.8B	-7.49B
Net Debt	-578B	-486B	-440B	-442B	-461B
Equity Method Investments, Total	29.61B	29.25B	27.34B	28.91B	29.58B
Full Time Employees	220K	219K	221K	211K	209K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	13.92B	16.04B	23.53B	23.98B	22.28B
Depreciation, Depletion & Amortization	2.26B	2.16B	1.64B	1.84B	1.97B
Amortization of Goodwill and Intangible Assets - (CF)	255M	269M	-50M	163M	140M
Total Depreciation, Depletion & Amortization	2.52B	2.43B	1.59B	2.01B	2.11B
Amortization of Deferred Charges, Total	1.18B	1.45B	1.88B	2B	2.4B
(Gain) Loss On Sale of Asset - (CF)	-647M	2.65B	1.21B	180M	2.61B
(Gain) Loss on Sale of Investments - (CF)	-	-	3B	-	1B
Total Asset Writedown	587M	-	-	77M	405M
Provision for Credit Losses	-519M	3.91B	3.72B	3.67B	4.17B
(Income) Loss On Equity Investments - (CF)	-2.24B	-1.78B	-1.74B	-1.85B	-1.87B
Stock-Based Compensation (CF)	467M	400M	482M	529M	621M
Change in Trading Asset Securities	-13.48B	28.52B	-73.24B	-62.05B	-62.02B
Change in Other Net Operating Assets (Collected)	-15.09B	16.82B	47.66B	27.52B	-76.09B
Other Operating Activities	21.91B	47.2B	-14B	25B	-34.76B
Cash from Operations	8.61B	118B	-5.91B	21.07B	-139B
Capital Expenditure	-1.09B	-1.28B	-1.14B	-1.34B	-1.45B
Cash Acquisitions	-106M	-989M	-453M	-25.02B	-51M
Divestitures	-	-	-	22.29B	-274M
Purchase / Sale of Intangible Assets	-2.48B	-3.12B	-2.55B	-2.54B	-3.21B
Investment in Marketable and Equity Securities, Total	28.15B	-25.55B	-59.39B	-69.95B	-32.08B
Net (Increase) Decrease in Loans Originated / Sold - Investing	3.06B	-3.53B	623M	-	-
Cash from Investing	27.54B	-34.48B	-62.91B	-76.56B	-37.07B
Long-Term Debt Issued, Total	-	7.3B	5.24B	4.36B	3.83B
Total Debt Issued	-	7.3B	5.24B	4.36B	3.83B
Long-Term Debt Repaid, Total	-864M	-1.78B	-2.15B	-2B	-3.59B
Total Debt Repaid	-864M	-1.78B	-2.15B	-2B	-3.59B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-2.09B	-2.38B	-6.43B	-11.89B	-10.21B
Issuance of Preferred Stock	2B	-	2B	3.6B	4.1B
Repurchase of Preferred Stock	-3.45B	-2.27B	-4B	-3.43B	-2.45B
Common Dividends Paid	-4.48B	-5.33B	-10.49B	-11.41B	-11.58B
Preferred Dividends Paid	-1.31B	-1.21B	-1.1B	-1.06B	-1.18B
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-5.79B	-6.54B	-11.59B	-12.47B	-12.76B
Net Increase (Decrease) in Deposit Accounts - (CF)	95.7B	-91.19B	45.02B	44.24B	169B
Special Dividend Paid	-	-	-	-3.94B	-
Other Financing Activities, Total	-593M	-623M	-626M	-690M	-872M
Cash from Financing	84.91B	-97.48B	27.46B	17.78B	147B
Foreign Exchange Rate Adjustments	-15.34B	-38.03B	10.62B	-18.28B	27.21B
Net Change in Cash	106B	-52.36B	-30.74B	-55.99B	-2.05B
Supplemental Items
Cash Interest Paid	12.7B	22.86B	65.98B	81.68B	68.8B
Cash Income Tax Paid (Refund)	3.08B	2.78B	4.12B	6.61B	5.06B
Net Debt Issued / Repaid	-864M	5.52B	3.09B	2.36B	243M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.49	0.56	0.82	0.83	0.74
Return On Equity %	7.14	8.28	13	12.99	11.63
Return on Common Equity	6.39	7.68	12.35	12.38	11.01
Shareholders Value Added	-9.51B	-5.35B	1.69B	1.92B	-567M
Margin Analysis
SG&A Margin	64.57	62.59	53.67	50.3	52.96
Net Interest Income / Total Revenues %	52.47	64.56	63.52	53.44	55.03
EBT Excl. Non-Recurring Items Margin %	38.62	39.4	47.57	50.93	47.63
Income From Continuing Operations Margin %	29.11	33	43.58	40.81	36.59
Net Income Margin %	27.57	31.74	41.76	39.15	35.25
Net Avail. For Common Margin %	24.97	29.34	39.81	37.41	33.38
Normalized Net Income Margin	22.6	23.37	27.91	30.17	28.43
Asset quality
Nonperforming Loans / Total Loans %	1.76	2.02	1.96	2.33	2.39
Nonperforming Loans / Total Assets %	0.64	0.66	0.64	0.75	0.76
Nonperforming Assets / Total Assets %	0.64	0.66	0.64	0.75	0.76
NPAs / Loans and OREO	1.76	2.02	1.96	2.33	2.39
NPAs / Equity	9.22	10.02	10.05	11.81	12.02
Allowance for Credit Losses / Net Charge-offs %	519.02	463.1	303.48	231.67	329.3
Allowance for Credit Losses / Nonperforming Loans %	59.95	58.68	57.3	42.85	43.28
Allowance for Credit Losses / Total Loans %	1.05	1.19	1.12	1	1.03
Net Charge-offs / Total Average Loans %	0.21	0.24	0.38	0.44	0.33
Provision for Loan Losses / Net Charge-offs %	-42.12	144.37	94.33	81.3	118.5
Earning Assets / IBL	121.63	122.16	115.42	109.29	107.99
Interest Income / Average Assets	1.2	1.82	3.3	3.55	3.06
Interest Expense / Average Assets	0.32	0.74	2.13	2.48	1.97
Net Interest Income / Average Assets	0.88	1.08	1.17	1.07	1.09
Non Interest Income / Average Assets	0.77	0.71	0.78	1.04	1.01
Non Interest Expense / Average Asset	1.03	1.01	0.97	0.98	1.04
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.64	6.51	6.06	6.11	6.13
Total Average Equity / Total Average Assets %	6.93	6.8	6.31	6.36	6.37
Total Equity + Allowance for Loan Losses / Total Loans %	19.3	20.5	19.88	19.98	20.19
Gross Loans / Total Deposits %	59.41	58.6	57.9	55.58	54.11
Net Loans / Total Deposits %	58.7	57.81	57.15	54.94	53.47
Tier 1 Capital Ratio %	18.6	16.6	16.9	17.2	17.3
Total Capital Ratio %	21.2	19.3	20	20.6	20.5
Core Tier 1 Capital Ratio	15.8	14.2	14.8	14.9	14.9
Tier 2 Capital Ratio	2.56	2.78	3.17	3.37	3.26
Coverage Ratio	59.95	58.68	57.3	42.85	43.28
Interbank Ratio	141.15	180.86	147.08	139.12	134.31
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.95	1.78	1.47	1.43	1.47
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.95	23.11	17.84	-8.56	6.3
Non Interest Income, 1 Yr. Growth %	0.93	-6.8	22.69	33.04	1.12
Provision For Loan Losses, 1 Yr. Growth %	-110.53	-487.07	-3.82	-0.96	12.77
Total Revenues, 1 Yr. Growth %	21.31	0.07	21.56	8.7	3.24
Earnings From Cont. Operations, 1 Yr. Growth %	140.91	13.46	51.14	1.79	-7.47
Net Income, 1 Yr. Growth %	166.15	15.22	51.25	1.9	-7.06
Normalized Net Income, 1 Yr. Growth %	115.36	3.48	63.16	17.5	-2.69
Diluted EPS Before Extra, 1 Yr. Growth %	226.32	19.35	58.33	8.77	-3.23
Dividend Per Share, 1 Yr. Growth %	66.67	28	90.62	8.2	13.64
Gross Loans, 1 Yr. Growth %	0.24	-10.65	1.96	-1.37	6.2
Allowance For Loan Losses, 1 Yr. Growth %	-21.32	0.77	-3.71	-12.27	9.98
Net Loans, 1 Yr. Growth %	0.51	-10.79	2	-1.22	6.19
Non Performing Loans, 1 Yr. Growth %	-1.55	2.95	-1.42	17.31	8.88
Non Performing Assets, 1 Yr. Growth %	-1.55	2.95	-1.42	17.31	8.88
Total Assets, 1 Yr. Growth %	-0.88	0.29	3.03	-0.71	7.16
Total Deposits, 1 Yr Growth %	4.84	-9.42	3	2.75	9.1
Tangible Book Value, 1 Yr. Growth %	0.92	-6.45	3.86	-0.15	7.26
Average Interest Earning Assets, 1 Yr. Growth %	5.57	-0.27	0.84	-2.89	4.32
Average Interest Bearing Liabilities, 1 Yr. Growth %	4.33	-0.69	3.81	2.56	5.58
Common Equity, 1 Yr. Growth %	0.92	-5.43	4.22	-0.19	7.16
Total Equity, 1 Yr. Growth %	0.87	-5.2	4	-0.18	6.97
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.75	8.74	16.25	3.81	-1.41
Non Interest Income, 2 Yr. CAGR %	-5.15	-3.01	3.32	27.76	16.04
Provision For Loan Losses, 2 Yr. CAGR %	-41.97	-36.17	92.73	-2.4	5.68
Total Revenues, 2 Yr. CAGR %	-2.72	10.18	6.27	14.95	5.95
Earnings From Cont. Operations, 2 Yr. CAGR %	29.9	65.32	29.29	24.04	-2.95
Net Income, 2 Yr. CAGR %	37.3	75.12	30.04	24.14	-2.69
Normalized Net Income, 2 Yr. CAGR %	-0.88	49.28	18.83	38.46	6.98
Diluted EPS Before Extra, 2 Yr. CAGR %	44.7	97.35	35.6	31.23	2.6
Dividend Per Share, 2 Yr. CAGR %	-8.71	46.06	56.2	43.61	10.88
Gross Loans, 2 Yr. CAGR %	0.55	-5.36	-6.38	0.28	2.35
Allowance For Loan Losses, 2 Yr. CAGR %	14.33	-10.96	-	-8.09	-1.77
Net Loans, 2 Yr. CAGR %	0.42	-5.31	-7	0.37	2.41
Non Performing Loans, 2 Yr. CAGR %	17.94	0.67	-	7.54	13.02
Non Performing Assets, 2 Yr. CAGR %	17.94	0.67	-	7.54	13.02
Total Assets, 2 Yr. CAGR %	4.38	-0.3	1.43	1.14	3.15
Total Deposits, 2 Yr CAGR %	9.83	-2.55	-2.97	2.87	5.88
Tangible Book Value, 2 Yr. CAGR %	4.14	-2.83	-1.42	1.84	3.49
Average Interest Earning Assets, 2 Yr. CAGR %	7.2	2.61	-1.09	-1.04	0.65
Average Interest Bearing Liabilities, 2 Yr. CAGR %	5.44	1.79	1.54	3.18	4.06
Common Equity, 2 Yr. CAGR %	3.81	-2.31	-0.98	1.99	3.42
Total Equity, 2 Yr. CAGR %	3.6	-2.21	-0.95	1.89	3.33
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.58	2.3	9.08	7.31	4.63
Non Interest Income, 3 Yr. CAGR %	-0.33	-5.7	1.65	12.4	18.16
Provision For Loan Losses, 3 Yr. CAGR %	-19.32	9.23	-26.88	54.37	2.42
Total Revenues, 3 Yr. CAGR %	-0.99	-1.8	10.64	7.07	10.9
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.74	24.17	59.09	19.38	12.49
Net Income, 3 Yr. CAGR %	0.46	29.5	65.1	19.88	12.72
Normalized Net Income, 3 Yr. CAGR %	0.81	0.55	43.73	18.38	23.08
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.53	35.7	81.71	25.99	18.56
Dividend Per Share, 3 Yr. CAGR %	-21.15	2.17	59.62	38.21	32.83
Gross Loans, 3 Yr. CAGR %	1.71	-3.33	-3.04	-4.74	2.21
Allowance For Loan Losses, 3 Yr. CAGR %	9.8	9.62	-8.62	-	-2.42
Net Loans, 3 Yr. CAGR %	1.64	-3.47	-2.99	-5.11	2.27
Non Performing Loans, 3 Yr. CAGR %	12.63	12.72	-0.03	-	7.99
Non Performing Assets, 3 Yr. CAGR %	12.63	12.72	-0.03	-	7.99
Total Assets, 3 Yr. CAGR %	4.96	3	0.61	0.71	3.11
Total Deposits, 3 Yr CAGR %	8.34	3	-0.74	-1.1	4.91
Tangible Book Value, 3 Yr. CAGR %	3.14	0.48	-0.6	-1	3.61
Average Interest Earning Assets, 3 Yr. CAGR %	6.3	4.65	1.08	-1.69	0.72
Average Interest Bearing Liabilities, 3 Yr. CAGR %	4.73	3.35	2.46	1.88	3.98
Common Equity, 3 Yr. CAGR %	2.1	0.64	-1.92	-0.72	3.68
Total Equity, 3 Yr. CAGR %	2.11	0.58	-2.06	-0.69	3.56
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.4	2.97	3.26	1.45	4.76
Non Interest Income, 5 Yr. CAGR %	5.02	-1.57	0.6	4.49	7.15
Provision For Loan Losses, 5 Yr. CAGR %	-22.87	15.22	14.3	4.38	-15.27
Total Revenues, 5 Yr. CAGR %	2.53	0.33	1.62	2.8	8.73
Earnings From Cont. Operations, 5 Yr. CAGR %	33.65	7.01	10.33	23.48	30.55
Net Income, 5 Yr. CAGR %	41.21	8.23	11.38	26.57	33.63
Normalized Net Income, 5 Yr. CAGR %	15.71	4.12	7.15	9.74	27.68
Diluted EPS Before Extra, 5 Yr. CAGR %	56.63	9.04	12.59	33.17	44.57
Dividend Per Share, 5 Yr. CAGR %	-13.29	-8.9	3.65	17.08	37.97
Gross Loans, 5 Yr. CAGR %	4.26	-1.4	-0.88	-1.94	-0.92
Allowance For Loan Losses, 5 Yr. CAGR %	7.81	4.23	5.12	2.15	-5.94
Net Loans, 5 Yr. CAGR %	4.23	-1.49	-0.94	-1.98	-0.86
Non Performing Loans, 5 Yr. CAGR %	0.91	5.74	7.72	10.62	5
Non Performing Assets, 5 Yr. CAGR %	0.91	5.74	7.72	10.62	5
Total Assets, 5 Yr. CAGR %	4.49	3.33	3.5	2.13	1.61
Total Deposits, 5 Yr CAGR %	6.53	3.06	3.48	2.95	1.86
Tangible Book Value, 5 Yr. CAGR %	2.89	0.11	1.32	1.05	1.02
Average Interest Earning Assets, 5 Yr. CAGR %	5.09	5.01	3.28	1.77	0.91
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.73	4.39	3.44	3.29	3.1
Common Equity, 5 Yr. CAGR %	2.48	-0.12	-0.1	0.11	0.18
Total Equity, 5 Yr. CAGR %	2.52	-0.02	-0.17	-0.04	0.07