Balance Sheet CIMB Group Holdings

Equities

CIMB

MYL1023OO000

Banks

Delayed BURSA MALAYSIA Other stock markets 12:29:59 2026-05-19 am EDT			5-day change	1st Jan Change
7.850 ^MYR	+0.64%		-0.63%	-4.85%

May. 07	CIMB Group Holdings Berhad Appoints Mak Joon Nien as Chief Executive Officer of Growth Markets, CEO of CIMB Singapore and Member of CIMB Group Executive Committee	CI
May. 07	MOVES-Malaysia's CIMB appoints Mak Joon Nien as growth markets CEO, Singapore CEO	RE

cdaa912f38c84f470ebe.0w4bhX_ei8R1XOBfB98xNoBUzbgLUsZfUxe1ZhtQIQQ.jEwo8Ee0-pQMKJI6TLFFUtEm_Np-HJctIUbNUFYEcGyrb3rBCvPHshIVqQ

Published financial data: CIMB GROUP HOLDINGS

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	15.59B	17.85B	23.69B	24.89B	23.36B
Interest Income On Investments	570M	792M	1.42B	1.74B	1.78B
Interest Income, Total	16.16B	18.64B	25.11B	26.63B	25.14B
Interest On Deposits	5.22B	7.02B	14.03B	15.26B	13.83B
Interest Expense, Total	5.22B	7.02B	14.03B	15.26B	13.83B
Net Interest Income	10.94B	11.62B	11.09B	11.37B	11.32B
Gain (Loss) on Sale of Assets	1.2B	26.85M	67.46M	-798K	9.52M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-747M	-1.03B	201M	1.19B	1.86B
Total Other Non Interest Income	8.03B	9.33B	9.64B	9.68B	9.5B
Non Interest Income, Total	8.48B	8.32B	9.9B	10.87B	11.37B
Revenues Before Provison For Loan Losses	19.42B	19.95B	20.99B	22.24B	22.69B
Provision For Loan Losses	2.61B	1.95B	1.53B	1.37B	1.38B
Total Revenues	16.8B	17.99B	19.46B	20.87B	21.31B
Stock-Based Compensation (IS)	82.46M	77.42M	73.78M	37.49M	22.92M
Selling General & Admin Expenses, Total	1.03B	1.14B	1.35B	1.48B	1.63B
(Income) Loss on Equity Invest.	-68.02M	-40.24M	17.22M	-18.76M	-93.6M
Total Other Non Interest Expense	8.61B	8.46B	8.47B	8.95B	8.99B
Non Interest Expense, Total	9.65B	9.64B	9.91B	10.46B	10.54B
EBT, Excl. Unusual Items	7.15B	8.36B	9.55B	10.41B	10.76B
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-1.22B	-	-	-	-
Asset Writedown	-90.32M	-3.69M	-5.15M	-14.72M	-27.27M
Other Unusual Items	-55.06M	19.45M	-3.75M	-2.72M	-55.98M
EBT, Incl. Unusual Items	5.79B	8.37B	9.54B	10.4B	10.68B
Income Tax Expense	1.4B	2.78B	2.38B	2.48B	2.65B
Earnings From Continuing Operations	4.39B	5.59B	7.16B	7.92B	8.03B
Net Income to Company	4.39B	5.59B	7.16B	7.92B	8.03B
Minority Interest	-97.29M	-153M	-181M	-191M	-169M
Net Income - (IS)	4.3B	5.44B	6.98B	7.73B	7.86B
Net Income to Common Incl Extra Items	4.3B	5.44B	6.98B	7.73B	7.86B
Net Income to Common Excl. Extra Items	4.3B	5.44B	6.98B	7.73B	7.86B
Per Share Items
Net EPS - Basic	0.43	0.52	0.65	0.72	0.73
Basic EPS - Continuing Operations	0.43	0.52	0.65	0.72	0.73
Basic Weighted Average Shares Outstanding	10.02B	10.43B	10.67B	10.69B	10.75B
Net EPS - Diluted	0.43	0.52	0.65	0.72	0.73
Diluted EPS - Continuing Operations	0.43	0.52	0.65	0.72	0.73
Diluted Weighted Average Shares Outstanding	10.02B	10.44B	10.69B	10.74B	10.78B
Normalized Basic EPS	0.44	0.49	0.54	0.59	0.61
Normalized Diluted EPS	0.44	0.49	0.54	0.59	0.61
Dividend Per Share	0.23	0.26	0.36	0.4	0.4
Payout Ratio	6.21	11.94	46.6	72.61	54.37
Supplemental Items
Effective Tax Rate - (Ratio)	24.13	33.19	24.93	23.82	24.83
Current Domestic Taxes	1.17B	2.04B	1.64B	1.56B	1.59B
Current Foreign Taxes	629M	773M	787M	473M	976M
Total Current Taxes	1.79B	2.81B	2.43B	2.03B	2.56B
Total Deferred Taxes	-439M	-40.42M	-51.95M	469M	74.17M
Normalized Net Income	4.37B	5.07B	5.79B	6.32B	6.56B
Non-Cash Pension Expense	3.24M	-41.77M	19.56M	3.55M	36.06M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	82.46M	77.42M	73.78M	37.49M	22.92M
Total Stock-Based Compensation	82.46M	77.42M	73.78M	37.49M	22.92M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	45.62B	43.75B	34.52B	29.04B	27.65B
Investment Securities, Total	129B	138B	165B	176B	187B
Trading Asset Securities, Total	52.27B	51.27B	64.27B	66.27B	77.45B
Total investments	182B	189B	229B	243B	265B
Gross Loans	375B	403B	437B	449B	450B
Allowance For Loan Losses	-13.32B	-12.4B	-11.41B	-10.08B	-8.04B
Net Loans	362B	391B	426B	439B	441B
Gross Property Plant And Equipment	5.36B	5.29B	5.52B	5.38B	5.33B
Accumulated Depreciation	-2.61B	-2.63B	-2.8B	-2.83B	-2.77B
Net Property Plant And Equipment	2.75B	2.66B	2.71B	2.55B	2.56B
Goodwill	6.44B	6.38B	6.48B	6.37B	6.13B
Other Intangibles, Total	1.86B	1.8B	1.91B	1.93B	1.92B
Investment in Real Estate	-	-	2.76M	8.48M	8.34M
Other Receivables	8.02B	8.66B	9.37B	10.44B	12.3B
Restricted Cash	4.72B	11.16B	11.77B	11.22B	8.75B
Other Current Assets, Total	6.42B	8.14B	7.48B	9.8B	11.42B
Deferred Tax Assets Long-Term (Collected)	1.67B	1.91B	1.93B	1.4B	1.12B
Other Real Estate Owned And Foreclosed	189M	210M	247M	250M	237M
Other Long-Term Assets, Total	856M	1.67B	1.9B	698M	406M
Total Assets	622B	667B	734B	755B	779B
Liabilities
Accrued Expenses, Total	2.98B	3.29B	3.35B	3.45B	3.33B
Interest Bearing Deposits	348B	373B	398B	407B	416B
Non-Interest Bearing Deposits	114B	109B	121B	127B	127B
Total Deposits	462B	482B	519B	534B	543B
Short-Term Borrowings	11.78B	17.61B	16.46B	14.56B	15.69B
Current Portion of Long-Term Debt	39.53B	39.39B	62.13B	55.39B	50.96B
Current Portion of Leases	89.41M	85.43M	71.71M	104M	83M
Long-Term Debt	20.39B	26.25B	21.38B	29.05B	34.58B
Long-Term Leases	486M	415M	477M	417M	276M
Current Income Taxes Payable	214M	110M	356M	137M	111M
Other Current Liabilities - (Bank / Utility Template)	7.1B	9.79B	7.33B	7.92B	11.31B
Pension & Other Post Retirement Benefits	470M	419M	470M	444M	414M
Deferred Tax Liability Non-Current	44.15M	44.85M	52.5M	54.48M	18.08M
Other Non Current Liabilities	17.15B	23.99B	32.16B	39.01B	47.08B
Total Liabilities	562B	603B	664B	684B	707B
Common Stock, Total	27.1B	29.09B	29.09B	29.44B	29.77B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	33.1B	35.86B	39.52B	41.45B	44.28B
Treasury Stock	-43K	-43K	-43K	-43K	-43K
Comprehensive Income and Other	-1.33B	-2.46B	-285M	-1.65B	-3.69B
Total Common Equity	58.86B	62.49B	68.33B	69.24B	70.36B
Minority Interest	1.25B	1.29B	1.51B	1.6B	1.55B
Total Equity	60.11B	63.78B	69.84B	70.84B	71.91B
Total Liabilities And Equity	622B	667B	734B	755B	779B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10.22B	10.67B	10.67B	10.73B	10.8B
ECS Total Common Shares Outstanding	10.22B	10.67B	10.67B	10.73B	10.79B
Book Value / Share	5.76	5.86	6.41	6.45	6.52
Tangible Book Value	50.56B	54.31B	59.94B	60.95B	62.3B
Tangible Book Value Per Share	4.95	5.09	5.62	5.68	5.77
Tangible Book Value Per Share (As Reported)	4.95	5.09	5.62	5.68	5.77
Total Debt	72.27B	83.74B	101B	99.52B	102B
Deposits at Interest - Cash	40.44B	36.3B	27.95B	25.01B	22.85B
Debt Equivalent of Unfunded Proj. Benefit Obligation	428M	372M	416M	387M	354M
Net Debt	-35.48B	-23.71B	-10.61B	-11.84B	-22.37B
Equity Method Investments, Total	2.95B	2.47B	2.4B	2.33B	2.38B
Full Time Employees	33.26K	32.7K	33.63K	33.51K	32.81K
Number Of Offices	630	604	604	592	576

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.3B	5.44B	6.98B	7.73B	7.86B
Depreciation, Depletion & Amortization	508M	517M	520M	543M	487M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	508M	517M	520M	543M	487M
Amortization of Deferred Charges, Total	715M	596M	487M	544M	532M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-32.25M	-37.17M	-302M	-191M	-137M
(Gain) Loss On Sale of Asset - (CF)	-1.2B	-20.34M	-26.04M	45.49M	50.87M
(Gain) Loss on Sale of Investments - (CF)	-2.51B	-3.59B	-3.38B	-3.32B	-980M
Total Asset Writedown	1.57B	309M	209M	329M	91.3M
Provision for Credit Losses	3.28B	2.61B	2.29B	2.51B	2.49B
(Income) Loss On Equity Investments - (CF)	-68.02M	-40.24M	17.22M	-18.76M	-93.6M
Stock-Based Compensation (CF)	82.46M	77.42M	73.78M	37.54M	22.91M
Change in Trading Asset Securities	3.13B	10.55B	-11.32B	-2.03B	-11.44B
Change in Other Net Operating Assets (Collected)	-11.32B	-24.89B	-25.33B	-19.32B	-7.93B
Other Operating Activities	-1.31B	-700M	-2.89B	-4.12B	-6.41B
Cash from Operations	-2.86B	-9.18B	-32.66B	-17.25B	-15.45B
Capital Expenditure	-368M	-350M	-338M	-299M	-517M
Sale of Property, Plant, and Equipment	424M	45.35M	858M	25.49M	47.3M
Cash Acquisitions	-	-	-	-35.33M	-
Divestitures	-323M	-	-	-	-
Purchase / Sale of Intangible Assets	-624M	-549M	-565M	-608M	-611M
Sale (Purchase) of Real Estate Properties (Collected)	-	-301K	-	-	-
Investment in Marketable and Equity Securities, Total	-14.64B	-9.3B	-25.92B	-6.97B	-5.97B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Deferred Charges	-	-	-	-	-
Other Investing Activities, Total	3.53B	4.02B	4.69B	5.23B	5.53B
Cash from Investing	-11.99B	-6.14B	-21.28B	-2.66B	-1.52B
Long-Term Debt Issued, Total	7.37B	12.57B	12.77B	19.24B	17.7B
Total Debt Issued	7.37B	12.57B	12.77B	19.24B	17.7B
Long-Term Debt Repaid, Total	-12.7B	-15.58B	-5.81B	-14.54B	-11.63B
Total Debt Repaid	-12.7B	-15.58B	-5.81B	-14.54B	-11.63B
Issuance of Common Stock	-	-	-	283M	277M
Common Dividends Paid	-267M	-650M	-3.25B	-5.61B	-4.27B
Common & Preferred Stock Dividends Paid	-267M	-650M	-3.25B	-5.61B	-4.27B
Net Increase (Decrease) in Deposit Accounts - (CF)	26.03B	17.28B	41.89B	19.13B	18.12B
Special Dividend Paid	-	-	-	-	-755M
Other Financing Activities, Total	-989M	-987M	-1.57B	-1.94B	-1.98B
Cash from Financing	19.44B	12.63B	44.01B	16.55B	17.45B
Foreign Exchange Rate Adjustments	320M	310M	1.11B	-839M	-982M
Miscellaneous Cash Flow Adjustments	-681M	-685M	-	-	-
Net Change in Cash	4.23B	-3.07B	-8.81B	-4.2B	-504M
Supplemental Items
Cash Interest Paid	956M	941M	1.5B	1.87B	1.89B
Cash Income Tax Paid (Refund)	1.75B	2.47B	2.21B	2.28B	2.69B
Net Debt Issued / Repaid	-5.33B	-3.02B	6.95B	4.7B	6.07B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.72	0.87	1.02	1.06	1.05
Return On Equity %	7.49	9.03	10.72	11.26	11.25
Return on Common Equity	7.48	8.97	10.67	11.24	11.26
Shareholders Value Added	-2.59B	-1.84B	-868M	-526M	-517M
Margin Analysis
SG&A Margin	1.68	2	2.37	2.62	3.24
Net Interest Income / Total Revenues %	65.09	64.6	56.99	54.47	53.12
EBT Excl. Non-Recurring Items Margin %	42.56	46.44	49.08	49.9	50.51
Income From Continuing Operations Margin %	26.14	31.08	36.81	37.95	37.68
Net Income Margin %	25.56	30.23	35.88	37.03	36.89
Net Avail. For Common Margin %	25.56	30.23	35.88	37.03	36.89
Normalized Net Income Margin	26.02	28.17	29.75	30.27	30.78
Asset quality
Nonperforming Loans / Total Loans %	3.54	3.3	2.69	2.13	1.73
Nonperforming Loans / Total Assets %	2.14	2	1.6	1.27	1
Nonperforming Assets / Total Assets %	2.17	2.03	1.64	1.3	1.03
NPAs / Loans and OREO	3.59	3.35	2.75	2.19	1.78
NPAs / Equity	22.43	21.21	17.21	13.87	11.16
Allowance for Credit Losses / Net Charge-offs %	1.32K	418.17	429.81	482.03	375.58
Allowance for Credit Losses / Nonperforming Loans %	100.23	93.09	96.96	105.25	103.2
Allowance for Credit Losses / Total Loans %	3.55	3.07	2.61	2.24	1.79
Provision for Loan Losses / Net Charge-offs %	257.99	65.85	57.79	65.47	64.61
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.38	9.42	9.34	9.24	9.1
Total Average Equity / Total Average Assets %	9.58	9.61	9.54	9.45	9.31
Total Equity + Allowance for Loan Losses / Total Loans %	19.24	18.56	18.23	17.67	17.44
Gross Loans / Total Deposits %	81.28	83.77	84.2	84.1	82.79
Net Loans / Total Deposits %	78.39	81.2	82.01	82.22	81.31
Tier 1 Capital Ratio %	15.08	15.38	15.13	15.25	14.91
Total Capital Ratio %	17.97	18.47	18.18	18.26	18.03
Core Tier 1 Capital Ratio	14.19	14.53	14.51	14.64	14.32
Tier 2 Capital Ratio	2.89	3.1	3.05	3.01	3.12
Coverage Ratio	100.23	93.09	96.96	105.25	103.2
Interbank Ratio	27.32	18.04	13.97	26.05	28.85
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.11	2.19	1.68	1.68	1.77
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.59	6.28	-4.61	2.52	-0.42
Non Interest Income, 1 Yr. Growth %	36.37	-1.85	18.82	9.77	4.6
Provision For Loan Losses, 1 Yr. Growth %	-51.08	-25.29	-21.42	-10.8	0.99
Total Revenues, 1 Yr. Growth %	50.88	7.09	8.06	7.26	2.1
Earnings From Cont. Operations, 1 Yr. Growth %	283.11	27.33	28.06	10.57	1.38
Net Income, 1 Yr. Growth %	259.62	26.65	28.33	10.7	1.7
Normalized Net Income, 1 Yr. Growth %	277.81	15.96	13.99	9.15	3.82
Diluted EPS Before Extra, 1 Yr. Growth %	256.05	21.54	25.32	10.23	1.36
Dividend Per Share, 1 Yr. Growth %	377.96	13.09	38.46	11.11	0.25
Gross Loans, 1 Yr. Growth %	3.3	7.53	8.44	2.62	0.13
Allowance For Loan Losses, 1 Yr. Growth %	11.63	-6.93	-7.97	-11.69	-20.26
Net Loans, 1 Yr. Growth %	3.02	8.07	8.96	3.01	0.6
Non Performing Loans, 1 Yr. Growth %	2.04	0.21	-11.64	-18.65	-18.68
Non Performing Assets, 1 Yr. Growth %	1.82	0.37	-11.19	-18.25	-18.34
Total Assets, 1 Yr. Growth %	3.25	7.21	10.03	2.94	3.12
Total Deposits, 1 Yr Growth %	4.69	4.33	7.88	2.75	1.73
Tangible Book Value, 1 Yr. Growth %	9.49	7.41	10.36	1.69	2.22
Common Equity, 1 Yr. Growth %	5.25	6.16	9.34	1.34	1.61
Total Equity, 1 Yr. Growth %	5.13	6.11	9.49	1.43	1.51
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.14	6.43	0.69	-1.11	1.04
Non Interest Income, 2 Yr. CAGR %	4.56	15.7	8.08	14.2	7.15
Provision For Loan Losses, 2 Yr. CAGR %	26.29	-39.54	-23.38	-16.28	-5.09
Total Revenues, 2 Yr. CAGR %	1.84	27.11	7.61	7.66	4.65
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.7	120.86	27.69	18.99	5.88
Net Income, 2 Yr. CAGR %	-2.94	113.41	27.48	19.19	6.11
Normalized Net Income, 2 Yr. CAGR %	1.48	109.31	15.06	11.55	6.45
Diluted EPS Before Extra, 2 Yr. CAGR %	-4.49	108.03	23.42	17.54	5.7
Dividend Per Share, 2 Yr. CAGR %	-5.97	132.5	25.14	24.03	5.54
Gross Loans, 2 Yr. CAGR %	1.29	5.4	7.98	5.49	1.37
Allowance For Loan Losses, 2 Yr. CAGR %	20.6	1.93	-7.45	-9.85	-16.09
Net Loans, 2 Yr. CAGR %	0.74	5.51	8.51	5.94	1.8
Non Performing Loans, 2 Yr. CAGR %	8.25	1.12	-5.9	-15.22	-18.67
Non Performing Assets, 2 Yr. CAGR %	8.3	1.09	-5.59	-14.79	-18.29
Total Assets, 2 Yr. CAGR %	4.16	5.21	8.61	6.42	3.03
Total Deposits, 2 Yr CAGR %	4.5	4.51	6.09	5.28	2.23
Tangible Book Value, 2 Yr. CAGR %	4.06	8.45	8.88	5.93	1.95
Common Equity, 2 Yr. CAGR %	2.31	5.71	7.74	5.26	1.48
Total Equity, 2 Yr. CAGR %	2.27	5.62	7.79	5.39	1.47
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.32	4.85	2.62	1.29	-0.88
Non Interest Income, 3 Yr. CAGR %	3.43	2.38	16.79	8.64	10.91
Provision For Loan Losses, 3 Yr. CAGR %	22.19	6.02	-34.02	-19.39	-10.88
Total Revenues, 3 Yr. CAGR %	1.93	3.56	20.44	7.49	5.77
Earnings From Cont. Operations, 3 Yr. CAGR %	-8.12	7.88	84.17	21.71	12.81
Net Income, 3 Yr. CAGR %	-8.37	6.06	80.13	21.63	13.05
Normalized Net Income, 3 Yr. CAGR %	-0.39	6.09	71.02	13.06	8.91
Diluted EPS Before Extra, 3 Yr. CAGR %	-10.45	3.5	75.69	18.86	11.88
Dividend Per Share, 3 Yr. CAGR %	-2.76	0	95.61	20.27	15.54
Gross Loans, 3 Yr. CAGR %	3.1	3.33	6.4	6.17	3.67
Allowance For Loan Losses, 3 Yr. CAGR %	13.25	10.62	-1.48	-8.89	-13.46
Net Loans, 3 Yr. CAGR %	2.79	3.13	6.65	6.64	4.13
Non Performing Loans, 3 Yr. CAGR %	9.67	5.5	-3.33	-10.36	-16.39
Non Performing Assets, 3 Yr. CAGR %	9.57	5.59	-3.18	-10.01	-15.99
Total Assets, 3 Yr. CAGR %	5.21	5.16	6.79	6.68	5.31
Total Deposits, 3 Yr CAGR %	4.99	4.44	5.62	4.96	4.08
Tangible Book Value, 3 Yr. CAGR %	6.39	5.17	9.08	6.42	4.68
Common Equity, 3 Yr. CAGR %	4.64	3.58	6.9	5.56	4.03
Total Equity, 3 Yr. CAGR %	4.56	3.54	6.9	5.63	4.08
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.16	2.13	2.85	2.42	1.98
Non Interest Income, 5 Yr. CAGR %	6.54	3.32	5.27	6.99	12.83
Provision For Loan Losses, 5 Yr. CAGR %	1.64	-2.63	1.38	-3.54	-23.69
Total Revenues, 5 Yr. CAGR %	4.33	3.3	4.17	5.2	13.86
Earnings From Cont. Operations, 5 Yr. CAGR %	3.87	3.95	4.81	12.19	47.59
Net Income, 5 Yr. CAGR %	3.8	3.98	4.57	11.13	45.76
Normalized Net Income, 5 Yr. CAGR %	7.67	6.56	5.53	8.27	41.48
Diluted EPS Before Extra, 5 Yr. CAGR %	0.88	0.97	1.81	8.9	43.38
Dividend Per Share, 5 Yr. CAGR %	2.83	0.79	7.57	9	52.83
Gross Loans, 5 Yr. CAGR %	3.17	4.7	5.03	4.19	4.36
Allowance For Loan Losses, 5 Yr. CAGR %	9.41	9.86	4.47	1.93	-7.61
Net Loans, 5 Yr. CAGR %	2.97	4.56	5.04	4.24	4.68
Non Performing Loans, 5 Yr. CAGR %	4.54	3.91	3.16	-3.33	-9.78
Non Performing Assets, 5 Yr. CAGR %	4.26	3.82	3.23	-3.09	-9.53
Total Assets, 5 Yr. CAGR %	5.07	5.65	6.55	5.67	5.27
Total Deposits, 5 Yr CAGR %	4.69	5.05	5.43	4.78	4.25
Tangible Book Value, 5 Yr. CAGR %	7.76	7.29	7.38	5.47	6.17
Common Equity, 5 Yr. CAGR %	5.37	5.31	5.87	4.25	4.7
Total Equity, 5 Yr. CAGR %	5.01	5.07	5.84	4.27	4.69