Cash flow HSBC Holdings plc

Equities

HSBA

GB0005405286

Banks

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Published financial data: HSBC HOLDINGS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	41.76B	36.19B	55.06B	101B	109B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	41.76B	36.19B	55.06B	101B	109B
Interest On Deposits	14.18B	9.7B	22.45B	65.07B	75.9B
Interest Expense, Total	14.18B	9.7B	22.45B	65.07B	75.9B
Net Interest Income	27.58B	26.49B	32.61B	35.8B	32.73B
Income From Trading Activities	9.58B	7.74B	10.47B	16.66B	21.12B
Gain (Loss) on Sale of Assets	-	-	-	150M	-1.75B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	653M	569M	-3M	-3B	-
Total Other Non Interest Income	12.62B	14.75B	11.03B	10.19B	12.57B
Non Interest Income, Total	22.85B	23.06B	21.5B	24B	31.93B
Revenues Before Provison For Loan Losses	50.43B	49.55B	54.1B	59.8B	64.67B
Provision For Loan Losses	8.82B	-928M	3.59B	3.45B	3.41B
Total Revenues	41.61B	50.48B	50.51B	56.35B	61.25B
Salaries And Other Employee Benefits	17.61B	18.24B	17.94B	17.7B	17.94B
Amort. of Goodwill & Intang. Assets	1.47B	1.44B	1.72B	2.11B	2.16B
Occupancy Expense	2.68B	2.26B	2.16B	1.64B	1.84B
Selling General & Admin Expenses, Total	11.58B	12.1B	11.52B	10.9B	11.03B
(Income) Loss on Equity Invest.	-1.6B	-3.05B	-2.72B	-2.81B	-2.91B
Non Interest Expense, Total	31.74B	30.99B	30.61B	29.55B	30.05B
EBT, Excl. Unusual Items	9.87B	19.49B	19.9B	26.8B	31.2B
Restructuring Charges	-	-	-2.38B	-	-
Impairment of Goodwill	-41M	-587M	-	285M	-77M
Asset Writedown	-1.05B	-	4M	-	-
Other Unusual Items	-	-	-	3.26B	1.19B
EBT, Incl. Unusual Items	8.78B	18.91B	17.53B	30.35B	32.31B
Income Tax Expense	2.68B	4.21B	858M	5.79B	7.31B
Earnings From Continuing Operations	6.1B	14.69B	16.67B	24.56B	25B
Net Income to Company	6.1B	14.69B	16.67B	24.56B	25B
Minority Interest	-870M	-776M	-635M	-1.03B	-1.02B
Net Income - (IS)	5.23B	13.92B	16.04B	23.53B	23.98B
Preferred Dividend and Other Adjustments	1.33B	1.31B	1.21B	1.1B	1.06B
Net Income to Common Incl Extra Items	3.9B	12.61B	14.82B	22.43B	22.92B
Net Income to Common Excl. Extra Items	3.9B	12.61B	14.82B	22.43B	22.92B
Per Share Items
Net EPS - Basic	0.19	0.62	0.75	1.15	1.25
Basic EPS - Continuing Operations	0.19	0.62	0.75	1.15	1.25
Basic Weighted Average Shares Outstanding	20.17B	20.2B	19.85B	19.48B	18.36B
Net EPS - Diluted	0.19	0.62	0.74	1.14	1.24
Diluted EPS - Continuing Operations	0.19	0.62	0.74	1.14	1.24
Diluted Weighted Average Shares Outstanding	20.24B	20.3B	19.99B	19.6B	18.48B
Normalized Basic EPS	0.26	0.56	0.59	0.81	1.01
Normalized Diluted EPS	0.26	0.56	0.59	0.8	1
Dividend Per Share	0.15	0.25	0.32	0.61	0.66
Payout Ratio	25.45	41.6	40.81	49.26	52
American Depositary Receipts Ratio (ADR)	1.25	1.25	1.25	1.25	1.25
Supplemental Items
Effective Tax Rate - (Ratio)	30.51	22.28	4.9	19.08	22.63
Total Current Taxes	2.7B	3.25B	2.99B	5.72B	6.12B
Total Deferred Taxes	-22M	963M	-2.13B	71M	1.2B
Normalized Net Income	5.3B	11.41B	11.8B	15.73B	18.48B
Non-Cash Pension Expense	146M	243M	42M	-151M	-116M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	462M	506M	424M	522M	529M
Total Stock-Based Compensation	462M	506M	424M	522M	529M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	318B	429B	347B	307B	287B
Investment Securities, Total	845B	821B	810B	886B	942B
Trading Asset Securities, Total	529B	435B	489B	508B	574B
Total investments	1,374B	1,256B	1,300B	1,394B	1,516B
Gross Loans	1,084B	1,086B	971B	988B	974B
Allowance For Loan Losses	-14.53B	-11.43B	-11.52B	-11.09B	-9.73B
Other Adjustments to Gross Loans	-1.24B	-1.52B	-1.58B	-1.87B	-1.61B
Net Loans	1,068B	1,073B	957B	975B	963B
Net Property Plant And Equipment	14.41B	13.24B	12.58B	12.93B	11.61B
Goodwill	5.88B	5.03B	4.16B	4.32B	4.12B
Other Intangibles, Total	14.56B	15.59B	17.16B	8.16B	8.27B
Other Receivables	954M	970M	1.23B	1.54B	1.31B
Restricted Cash	101B	75.8B	123B	119B	110B
Other Current Assets, Total	45.88B	44.64B	162B	175B	76.91B
Deferred Tax Assets Long-Term (Collected)	4.48B	4.62B	7.5B	7.75B	6.84B
Other Long-Term Assets, Total	36.58B	39.93B	35.23B	34.86B	31.97B
Total Assets	2,984B	2,958B	2,967B	3,039B	3,017B
Liabilities
Accrued Expenses, Total	10.41B	10.47B	12.35B	16.81B	16.28B
Interest Bearing Deposits	1,744B	1,828B	1,656B	1,706B	1,753B
Total Deposits	1,744B	1,828B	1,656B	1,706B	1,753B
Short-Term Borrowings	303B	191B	286B	235B	264B
Current Portion of Long-Term Debt	190B	179B	177B	242B	248B
Long-Term Debt	171B	170B	154B	164B	173B
Long-Term Leases	4.61B	3.59B	2.77B	2.81B	2.46B
Current Income Taxes Payable	690M	698M	1.14B	2.78B	1.73B
Other Current Liabilities - (Bank / Utility Template)	185B	191B	309B	288B	195B
Pension & Other Post Retirement Benefits	2.02B	1.61B	1.1B	1.16B	1.02B
Deferred Tax Liability Non-Current	4.31B	4.67B	2.42B	1.24B	1.32B
Other Non Current Liabilities	164B	171B	169B	187B	168B
Total Liabilities	2,779B	2,751B	2,771B	2,846B	2,825B
Common Stock, Total	10.35B	10.32B	10.15B	9.63B	8.97B
Additional Paid In Capital	14.28B	14.6B	14.66B	14.74B	14.81B
Retained Earnings	141B	144B	152B	152B	152B
Comprehensive Income and Other	31.25B	28.87B	10.6B	8.81B	8.79B
Total Common Equity	196B	198B	187B	185B	185B
Minority Interest	8.55B	8.53B	8.54B	7.28B	7.3B
Total Equity	205B	207B	196B	193B	192B
Total Liabilities And Equity	2,984B	2,958B	2,967B	3,039B	3,017B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	20.18B	20.07B	19.74B	19.01B	17.92B
ECS Total Common Shares Outstanding	20.18B	20.07B	19.74B	19.01B	17.92B
Book Value / Share	8.62	8.76	8.5	8.82	9.26
Tangible Book Value	176B	178B	166B	173B	173B
Tangible Book Value Per Share	7.61	7.73	7.42	8.16	8.57
Tangible Book Value Per Share (As Reported)	7.75	7.88	7.57	8.19	8.61
Average Assets	2,937B	3,012B	3,031B	3,060B	3,062B
Average Loans	1,047B	1,061B	1,024B	958B	950B
Total Debt	669B	543B	619B	644B	689B
Deposits at Interest - Cash	147B	161B	168B	174B	155B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9B	-9.15B	-6.48B	-6.89B	-6.8B
Net Debt	-423B	-578B	-486B	-440B	-442B
Equity Method Investments, Total	26.68B	29.61B	29.25B	27.34B	28.91B
Full Time Employees	226K	220K	219K	221K	211K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	5.23B	13.92B	16.04B	23.53B	23.98B
Depreciation, Depletion & Amortization	2.68B	2.26B	2.16B	1.64B	1.84B
Amortization of Goodwill and Intangible Assets - (CF)	1.43B	255M	269M	-50M	173M
Total Depreciation, Depletion & Amortization	4.12B	2.52B	2.43B	1.59B	2.01B
Amortization of Deferred Charges, Total	1.08B	1.18B	1.45B	1.88B	2B
(Gain) Loss On Sale of Asset - (CF)	-541M	-647M	2.65B	1.21B	180M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	3B	-
Total Asset Writedown	41M	587M	-	-	77M
Provision for Credit Losses	9.1B	-519M	3.91B	3.72B	3.67B
(Income) Loss On Equity Investments - (CF)	-836M	-2.24B	-1.78B	-1.74B	-1.85B
Stock-Based Compensation (CF)	433M	467M	400M	482M	529M
Change in Trading Asset Securities	11.19B	-13.48B	28.52B	-73.24B	-62.05B
Change in Other Net Operating Assets (Collected)	-47.62B	-15.09B	16.82B	47.66B	27.52B
Other Operating Activities	-26.7B	21.91B	47.2B	-14B	25B
Cash from Operations	-44.5B	8.61B	118B	-5.91B	21.07B
Capital Expenditure	-1.45B	-1.09B	-1.28B	-1.14B	-1.34B
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-603M	-106M	-989M	-453M	-217M
Divestitures	-	-	-	-	-2.51B
Purchase / Sale of Intangible Assets	-2.06B	-2.48B	-3.12B	-2.55B	-2.54B
Investment in Marketable and Equity Securities, Total	-19.68B	28.15B	-25.55B	-59.39B	-69.95B
Net (Increase) Decrease in Loans Originated / Sold - Investing	1.36B	3.06B	-3.53B	623M	-
Cash from Investing	-22.43B	27.54B	-34.48B	-62.91B	-76.56B
Long-Term Debt Issued, Total	-	-	7.3B	5.24B	4.36B
Total Debt Issued	-	-	7.3B	5.24B	4.36B
Long-Term Debt Repaid, Total	-3.54B	-864M	-1.78B	-2.15B	-2B
Total Debt Repaid	-3.54B	-864M	-1.78B	-2.15B	-2B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-181M	-2.09B	-2.38B	-6.43B	-11.89B
Issuance of Preferred Stock	1.5B	2B	-	2B	3.6B
Repurchase of Preferred Stock	-398M	-3.45B	-2.27B	-4B	-3.43B
Common Dividends Paid	-	-4.48B	-5.33B	-10.49B	-11.41B
Preferred Dividends Paid	-1.33B	-1.31B	-1.21B	-1.1B	-1.06B
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.33B	-5.79B	-6.54B	-11.59B	-12.47B
Net Increase (Decrease) in Deposit Accounts - (CF)	227B	95.7B	-91.19B	45.02B	44.24B
Special Dividend Paid	-	-	-	-	-3.94B
Other Financing Activities, Total	-692M	-593M	-623M	-626M	-690M
Cash from Financing	222B	84.91B	-97.48B	27.46B	17.78B
Foreign Exchange Rate Adjustments	19.43B	-15.34B	-38.03B	10.62B	-18.28B
Net Change in Cash	175B	106B	-52.36B	-30.74B	-55.99B
Supplemental Items
Cash Interest Paid	17.74B	12.7B	22.86B	65.98B	81.68B
Cash Income Tax Paid (Refund)	4.26B	3.08B	2.78B	4.12B	6.61B
Net Debt Issued / Repaid	-3.54B	-864M	5.52B	3.09B	2.36B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.21	0.49	0.56	0.82	0.83
Return On Equity %	3.07	7.14	8.28	13	12.99
Return on Common Equity	2.05	6.39	7.68	12.35	12.38
Shareholders Value Added	-16.16B	-9.51B	-5.35B	1.69B	1.93B
Margin Analysis
SG&A Margin	76.59	64.57	62.59	53.67	50.3
Net Interest Income / Total Revenues %	66.27	52.47	64.56	63.52	53.44
EBT Excl. Non-Recurring Items Margin %	23.71	38.62	39.4	47.57	50.93
Income From Continuing Operations Margin %	14.66	29.11	33	43.58	40.81
Net Income Margin %	12.57	27.57	31.74	41.76	39.15
Net Avail. For Common Margin %	9.37	24.97	29.34	39.81	37.41
Normalized Net Income Margin	12.73	22.6	23.37	27.91	30.17
Asset quality
Nonperforming Loans / Total Loans %	1.79	1.76	2.02	1.96	2.33
Nonperforming Loans / Total Assets %	0.65	0.64	0.66	0.64	0.75
Nonperforming Assets / Total Assets %	0.65	0.64	0.66	0.64	0.75
NPAs / Loans and OREO	1.79	1.76	2.02	1.96	2.33
NPAs / Equity	9.45	9.22	10.02	10.05	11.81
Allowance for Credit Losses / Net Charge-offs %	548.79	519.02	463.1	303.48	231.67
Allowance for Credit Losses / Nonperforming Loans %	75.02	59.95	58.68	57.3	42.85
Allowance for Credit Losses / Total Loans %	1.34	1.05	1.19	1.12	1
Net Charge-offs / Total Average Loans %	0.25	0.21	0.24	0.38	0.44
Provision for Loan Losses / Net Charge-offs %	332.97	-42.12	144.37	94.33	81.3
Earning Assets / IBL	120.2	121.63	122.16	115.42	109.29
Interest Income / Average Assets	1.42	1.2	1.82	3.3	3.55
Interest Expense / Average Assets	0.48	0.32	0.74	2.13	2.48
Net Interest Income / Average Assets	0.94	0.88	1.08	1.17	1.07
Non Interest Income / Average Assets	0.78	0.77	0.71	0.78	1.04
Non Interest Expense / Average Asset	1.08	1.03	1.01	0.97	0.98
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.67	6.64	6.51	6.06	6.11
Total Average Equity / Total Average Assets %	6.98	6.93	6.8	6.31	6.36
Total Equity + Allowance for Loan Losses / Total Loans %	19.47	19.3	20.5	19.88	19.98
Gross Loans / Total Deposits %	62.13	59.41	58.6	57.9	55.58
Net Loans / Total Deposits %	61.23	58.7	57.81	57.15	54.94
Tier 1 Capital Ratio %	18.7	18.6	16.6	16.9	17.2
Total Capital Ratio %	21.5	21.2	19.3	20	20.6
Core Tier 1 Capital Ratio	15.9	15.8	14.2	14.8	14.9
Tier 2 Capital Ratio	2.83	2.56	2.78	3.17	3.37
Coverage Ratio	75.02	59.95	58.68	57.3	42.85
Interbank Ratio	159.51	141.15	180.86	147.08	139.12
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.62	2.95	1.78	1.47	1.43
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.47	-3.95	23.11	17.84	-8.56
Non Interest Income, 1 Yr. Growth %	-10.86	0.93	-6.8	22.69	33.04
Provision For Loan Losses, 1 Yr. Growth %	219.92	-110.53	-487.07	-3.82	-0.96
Total Revenues, 1 Yr. Growth %	-21.99	21.31	0.07	21.56	8.7
Earnings From Cont. Operations, 1 Yr. Growth %	-29.96	140.91	13.46	51.14	1.79
Net Income, 1 Yr. Growth %	-29.18	166.15	15.22	51.25	1.9
Normalized Net Income, 1 Yr. Growth %	-54.38	115.36	3.48	63.16	17.5
Diluted EPS Before Extra, 1 Yr. Growth %	-35.83	226.32	19.35	58.33	8.77
Dividend Per Share, 1 Yr. Growth %	-50	66.67	28	90.62	8.2
Gross Loans, 1 Yr. Growth %	0.85	0.24	-10.65	1.96	-1.37
Allowance For Loan Losses, 1 Yr. Growth %	66.12	-21.32	0.77	-3.71	-12.27
Net Loans, 1 Yr. Growth %	0.33	0.51	-10.79	2	-1.22
Non Performing Loans, 1 Yr. Growth %	41.3	-1.55	2.95	-1.42	17.31
Non Performing Assets, 1 Yr. Growth %	41.3	-1.55	2.95	-1.42	17.31
Total Assets, 1 Yr. Growth %	9.91	-0.88	0.29	3.03	-0.71
Total Deposits, 1 Yr Growth %	15.06	4.84	-9.42	3	2.75
Tangible Book Value, 1 Yr. Growth %	7.45	0.92	-6.45	3.86	-0.15
Average Interest Earning Assets, 1 Yr. Growth %	8.85	5.57	-0.27	0.84	-2.89
Average Interest Bearing Liabilities, 1 Yr. Growth %	6.55	4.33	-0.69	3.81	2.56
Common Equity, 1 Yr. Growth %	6.79	0.92	-5.43	4.22	-0.19
Total Equity, 1 Yr. Growth %	6.4	0.87	-5.2	4	-0.18
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.89	-6.75	8.74	16.25	3.81
Non Interest Income, 2 Yr. CAGR %	-0.95	-5.15	-3.01	3.32	27.76
Provision For Loan Losses, 2 Yr. CAGR %	123.38	-41.97	-36.17	92.73	-2.4
Total Revenues, 2 Yr. CAGR %	-10.56	-2.72	10.18	6.27	14.95
Earnings From Cont. Operations, 2 Yr. CAGR %	-36.29	29.9	65.32	29.29	24.04
Net Income, 2 Yr. CAGR %	-38.28	37.3	75.12	30.04	24.14
Normalized Net Income, 2 Yr. CAGR %	-31.02	-0.88	49.28	18.83	38.46
Diluted EPS Before Extra, 2 Yr. CAGR %	-45.08	44.7	97.35	35.6	31.23
Dividend Per Share, 2 Yr. CAGR %	-45.77	-8.71	46.06	56.2	43.61
Gross Loans, 2 Yr. CAGR %	2.46	0.55	-5.36	-6.38	0.28
Allowance For Loan Losses, 2 Yr. CAGR %	29.7	14.33	-10.96	-	-8.09
Net Loans, 2 Yr. CAGR %	2.21	0.42	-5.31	-7	0.37
Non Performing Loans, 2 Yr. CAGR %	20.47	17.94	0.67	-	7.54
Non Performing Assets, 2 Yr. CAGR %	20.47	17.94	0.67	-	7.54
Total Assets, 2 Yr. CAGR %	8.01	4.38	-0.3	1.43	1.14
Total Deposits, 2 Yr CAGR %	10.13	9.83	-2.55	-2.97	2.87
Tangible Book Value, 2 Yr. CAGR %	4.26	4.14	-2.83	-1.42	1.84
Average Interest Earning Assets, 2 Yr. CAGR %	6.67	7.2	2.61	-1.09	-1.04
Average Interest Bearing Liabilities, 2 Yr. CAGR %	4.93	5.44	1.79	1.54	3.18
Common Equity, 2 Yr. CAGR %	2.7	3.81	-2.31	-0.98	1.99
Total Equity, 2 Yr. CAGR %	2.73	3.6	-2.21	-0.95	1.89
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.71	-4.58	2.3	9.08	7.31
Non Interest Income, 3 Yr. CAGR %	-0.6	-0.33	-5.7	1.65	12.4
Provision For Loan Losses, 3 Yr. CAGR %	70.82	-19.32	9.23	-26.88	54.37
Total Revenues, 3 Yr. CAGR %	-5.73	-0.99	-1.8	10.64	7.07
Earnings From Cont. Operations, 3 Yr. CAGR %	-19.93	-0.74	24.17	59.09	19.38
Net Income, 3 Yr. CAGR %	-21.47	0.46	29.5	65.1	19.88
Normalized Net Income, 3 Yr. CAGR %	-18.12	0.81	0.55	43.73	18.38
Diluted EPS Before Extra, 3 Yr. CAGR %	-26.58	-0.53	35.7	81.71	25.99
Dividend Per Share, 3 Yr. CAGR %	-33.5	-21.15	2.17	59.62	38.21
Gross Loans, 3 Yr. CAGR %	1.32	1.71	-3.33	-3.04	-4.74
Allowance For Loan Losses, 3 Yr. CAGR %	15.77	9.8	9.62	-8.62	-
Net Loans, 3 Yr. CAGR %	1.13	1.64	-3.47	-2.99	-5.11
Non Performing Loans, 3 Yr. CAGR %	9.25	12.63	12.72	-0.03	-
Non Performing Assets, 3 Yr. CAGR %	9.25	12.63	12.72	-0.03	-
Total Assets, 3 Yr. CAGR %	5.82	4.96	3	0.61	0.71
Total Deposits, 3 Yr CAGR %	6.97	8.34	3	-0.74	-1.1
Tangible Book Value, 3 Yr. CAGR %	2.12	3.14	0.48	-0.6	-1
Average Interest Earning Assets, 3 Yr. CAGR %	6.63	6.3	4.65	1.08	-1.69
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.17	4.73	3.35	2.46	1.88
Common Equity, 3 Yr. CAGR %	1.36	2.1	0.64	-1.92	-0.72
Total Equity, 3 Yr. CAGR %	1.47	2.11	0.58	-2.06	-0.69
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.32	-2.4	2.97	3.26	1.45
Non Interest Income, 5 Yr. CAGR %	-3.34	5.02	-1.57	0.6	4.49
Provision For Loan Losses, 5 Yr. CAGR %	18.83	-22.87	15.22	14.3	4.38
Total Revenues, 5 Yr. CAGR %	-5.77	2.53	0.33	1.62	2.8
Earnings From Cont. Operations, 5 Yr. CAGR %	-16.58	33.65	7.01	10.33	23.48
Net Income, 5 Yr. CAGR %	-17.31	41.21	8.23	11.38	26.57
Normalized Net Income, 5 Yr. CAGR %	-12.25	15.71	4.12	7.15	9.74
Diluted EPS Before Extra, 5 Yr. CAGR %	-21.56	56.63	9.04	12.59	33.17
Dividend Per Share, 5 Yr. CAGR %	-21.71	-13.29	-8.9	3.65	17.08
Gross Loans, 5 Yr. CAGR %	2.55	4.26	-1.4	-0.88	-1.94
Allowance For Loan Losses, 5 Yr. CAGR %	8.75	7.81	4.23	5.12	2.15
Net Loans, 5 Yr. CAGR %	2.5	4.23	-1.49	-0.94	-1.98
Non Performing Loans, 5 Yr. CAGR %	-4	0.91	5.74	7.72	10.62
Non Performing Assets, 5 Yr. CAGR %	-4	0.91	5.74	7.72	10.62
Total Assets, 5 Yr. CAGR %	4.37	4.49	3.33	3.5	2.13
Total Deposits, 5 Yr CAGR %	5.35	6.53	3.06	3.48	2.95
Tangible Book Value, 5 Yr. CAGR %	1.44	2.89	0.11	1.32	1.05
Average Interest Earning Assets, 5 Yr. CAGR %	3.92	5.09	5.01	3.28	1.77
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.51	4.73	4.39	3.44	3.29
Common Equity, 5 Yr. CAGR %	0.83	2.48	-0.12	-0.1	0.11
Total Equity, 5 Yr. CAGR %	0.75	2.52	-0.02	-0.17	-0.04