INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Financial Ratios Industrial and Commercial Bank of China Limited

Equities

1398

CNE1000003G1

Banks

Market Closed - Hong Kong S.E. Other stock markets 04:08:03 2026-05-20 am EDT			5-day change	1st Jan Change
6.880 ^HKD	-0.72%		-2.41%	+9.38%

Apr. 29	ICBC Sells 50 Billion Yuan Bonds	MT
Apr. 29	Industrial and Commercial Bank of China Limited, Q1 2026 Earnings Call, Apr 29, 2026

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Published financial data: INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,162B	1,280B	1,405B	1,428B	1,332B
Interest Income, Total	1,162B	1,280B	1,405B	1,428B	1,332B
Interest On Deposits	472B	587B	750B	791B	697B
Interest Expense, Total	472B	587B	750B	791B	697B
Net Interest Income	691B	694B	655B	637B	635B
Income From Trading Activities	8.96B	8.61B	14.93B	19.44B	18.51B
Gain (Loss) on Sale of Assets	2.18B	1.59B	1.92B	1.35B	536M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	16.44B	6.32B	21.56B	22.96B	34.81B
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	143B	131B	113B	105B	112B
Non Interest Income, Total	170B	148B	151B	149B	166B
Revenues Before Provison For Loan Losses	861B	841B	806B	786B	801B
Provision For Loan Losses	200B	179B	150B	126B	133B
Total Revenues	661B	662B	657B	660B	668B
Salaries And Other Employee Benefits	139B	144B	141B	145B	146B
Amort. of Goodwill & Intang. Assets	3.12B	3.72B	4.43B	5.16B	5.47B
Occupancy Expense	28.82B	29.03B	28.53B	27.27B	27.4B
Selling General & Admin Expenses, Total	-	-	-	-	-
(Income) Loss on Equity Invest.	-2.87B	-4.43B	-5.02B	-4.52B	-4.77B
Total Other Non Interest Expense	64.92B	64.63B	64.33B	65.2B	68.39B
Non Operating (Income) Expenses	-	-	-	-	-
Non Interest Expense, Total	233B	236B	234B	238B	243B
EBT, Excl. Unusual Items	427B	426B	423B	423B	425B
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-2.53B	-3.48B	-1.3B	-891M	-1.05B
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	425B	423B	422B	422B	424B
Income Tax Expense	74.68B	61.53B	56.85B	54.88B	53.67B
Earnings From Continuing Operations	350B	361B	365B	367B	371B
Net Income to Company	350B	361B	365B	367B	371B
Minority Interest	-1.88B	-555M	-1.12B	-1.08B	-2.2B
Net Income - (IS)	348B	360B	364B	366B	369B
Preferred Dividend and Other Adjustments	9.61B	14.81B	14.96B	14.96B	11.76B
Net Income to Common Incl Extra Items	339B	346B	349B	351B	357B
Net Income to Common Excl. Extra Items	339B	346B	349B	351B	357B
Per Share Items
Net EPS - Basic	0.95	0.97	0.98	0.98	1
Basic EPS - Continuing Operations	0.95	0.97	0.98	0.98	1
Basic Weighted Average Shares Outstanding	356B	356B	356B	356B	356B
Net EPS - Diluted	0.95	0.97	0.98	0.98	1
Diluted EPS - Continuing Operations	0.95	0.97	0.98	0.98	1
Diluted Weighted Average Shares Outstanding	356B	356B	356B	356B	356B
Normalized Basic EPS	0.74	0.75	0.74	0.74	0.74
Normalized Diluted EPS	0.74	0.75	0.74	0.74	0.74
Dividend Per Share	0.29	0.3	0.31	0.31	0.31
Payout Ratio	29.97	33.11	33.83	33.94	39.05
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	17.58	14.56	13.47	13.01	12.64
Current Domestic Taxes	81.23B	78.05B	59.84B	48.86B	51.72B
Current Foreign Taxes	1.95B	3.58B	5.21B	5B	5.98B
Total Current Taxes	83.18B	81.63B	65.05B	53.86B	57.7B
Total Deferred Taxes	-8.49B	-20.11B	-8.2B	1.02B	-4.03B
Normalized Net Income	265B	266B	263B	263B	264B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	630B	812B	1,623B	1,193B	1,336B
Investment Securities, Total	9,932B	11,308B	12,934B	15,048B	17,208B
Trading Asset Securities, Total	346B	413B	447B	805B	660B
Total investments	10,278B	11,720B	13,381B	15,853B	17,868B
Gross Loans	20,667B	23,212B	26,086B	28,372B	30,506B
Allowance For Loan Losses	-604B	-672B	-756B	-815B	-852B
Net Loans	20,063B	22,540B	25,330B	27,557B	29,654B
Gross Property Plant And Equipment	532B	563B	577B	602B	603B
Accumulated Depreciation	-210B	-236B	-250B	-275B	-286B
Net Property Plant And Equipment	322B	327B	327B	326B	317B
Goodwill	8.17B	8.8B	8.97B	19.16B	18.86B
Other Intangibles, Total	15.59B	14.94B	14.44B	13.96B	13.45B
Accrued Interest Receivable	66.75B	77.72B	83.8B	89.75B	98.55B
Other Receivables	599B	814B	513B	492B	681B
Restricted Cash	2,459B	2,648B	2,833B	2,635B	2,664B
Other Current Assets, Total	275B	281B	147B	210B	332B
Deferred Tax Assets Long-Term (Collected)	79.26B	102B	105B	90.05B	104B
Other Real Estate Owned And Foreclosed	6.21B	6.2B	3.39B	3.21B	3.17B
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	368B	259B	328B	339B	388B
Total Assets	35,171B	39,610B	44,697B	48,822B	53,478B
Liabilities
Accrued Expenses, Total	49.2B	57.78B	60.71B	61.24B	65.24B
Interest Bearing Deposits	28,140B	31,760B	35,465B	37,933B	41,072B
Non-Interest Bearing Deposits	661B	693B	743B	775B	774B
Total Deposits	28,801B	32,453B	36,208B	38,708B	41,846B
Short-Term Borrowings	927B	1,192B	1,623B	2,292B	3,205B
Current Portion of Long-Term Debt	37.36B	145B	231B	170B	177B
Current Portion of Leases	8.32B	8.92B	8.07B	6.74B	6.74B
Long-Term Debt	813B	913B	1,377B	2,041B	2,230B
Long-Term Leases	20.02B	19.71B	16.78B	14.24B	12.81B
Current Income Taxes Payable	92.44B	85.58B	63.32B	31.88B	23.37B
Accrued Interest Payable	363B	458B	540B	595B	537B
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	28.82B
Pension & Other Post Retirement Benefits	32M	19M	12M	7M	5M
Deferred Tax Liability Non-Current	5.62B	3.8B	3.93B	4.28B	6.55B
Other Non Current Liabilities	779B	760B	789B	911B	1,067B
Total Liabilities	31,896B	36,096B	40,920B	44,834B	49,206B
Preferred Stock Convertible	135B	135B	135B	135B	115B
Preferred Stock - Others	-	-	-	-	-
Total Preferred Equity	135B	135B	135B	135B	115B
Common Stock, Total	356B	356B	356B	356B	356B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	1,978B	2,657B	2,902B	3,093B	3,342B
Comprehensive Income and Other	789B	347B	364B	386B	431B
Total Common Equity	3,123B	3,361B	3,622B	3,835B	4,129B
Minority Interest	17.5B	18.66B	19.7B	17.42B	27.76B
Total Equity	3,275B	3,514B	3,777B	3,987B	4,272B
Total Liabilities And Equity	35,171B	39,610B	44,697B	48,822B	53,478B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	356B	356B	356B	356B	356B
ECS Total Common Shares Outstanding	356B	356B	356B	356B	356B
Book Value / Share	8.15	8.81	9.55	10.23	10.83
Tangible Book Value	3,099B	3,337B	3,599B	3,802B	4,097B
Tangible Book Value Per Share	8.08	8.75	9.48	10.14	10.74
Average Assets	34,742B	37,946B	42,410B	46,885B	51,898B
Average Loans	19,996B	22,248B	25,007B	27,600B	29,873B
Total Debt	1,806B	2,278B	3,256B	4,523B	5,632B
Deposits at Interest - Cash	1,374B	1,861B	2,689B	2,218B	1,696B
Net Debt	-70.14B	-6.11B	-227B	1,094B	2,849B
Equity Method Investments, Total	61.78B	65.88B	64.78B	73.36B	78.31B
Full Time Employees	434K	428K	419K	415K	410K
Number Of Offices	16.59K	15.64K	15.5K	15.36K	15.43K
Assets on Operating Lease - Gross	181B	198B	204B	215B	212B
Assets on Operating Lease - Accumulated Depreciation	-41.37B	-50.35B	-54.32B	-60.63B	-60.46B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	348B	360B	364B	366B	369B
Depreciation, Depletion & Amortization	28.19B	30.32B	30.34B	29.55B	29.02B
Amortization of Goodwill and Intangible Assets - (CF)	3.12B	3.72B	4.43B	5.16B	5.47B
Total Depreciation, Depletion & Amortization	31.32B	34.04B	34.77B	34.71B	34.48B
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-2.08B	-1.55B	-1.81B	-1.31B	-832M
(Gain) Loss on Sale of Investments - (CF)	-18.35B	-22.85B	-23.51B	-25.37B	-41.31B
Total Asset Writedown	19.88B	50.8B	4.68B	-11.3B	1.38B
Provision for Credit Losses	168B	143B	143B	127B	135B
(Income) Loss On Equity Investments - (CF)	-2.87B	-4.43B	-5.02B	-4.52B	-4.77B
Change in Trading Asset Securities	143B	-45.21B	-26.74B	-190B	67.84B
Change in Other Net Operating Assets (Collected)	-1,283B	-2,072B	-2,270B	-235B	-991B
Other Operating Activities	-269B	-294B	-337B	-354B	-359B
Cash from Operations	-864B	-1,852B	-2,117B	-294B	-790B
Capital Expenditure	-27.58B	-23.13B	-31.2B	-43.3B	-48.98B
Sale of Property, Plant, and Equipment	13.01B	10.02B	7.53B	19.19B	21.14B
Investment in Marketable and Equity Securities, Total	-942B	-1,224B	-1,229B	-1,934B	-2,812B
Other Investing Activities, Total	282B	326B	361B	486B	422B
Cash from Investing	-675B	-911B	-892B	-1,471B	-2,418B
Long-Term Debt Issued, Total	835B	956B	1,422B	2,093B	2,508B
Total Debt Issued	835B	956B	1,422B	2,093B	2,508B
Long-Term Debt Repaid, Total	-837B	-871B	-957B	-1,464B	-2,329B
Total Debt Repaid	-837B	-871B	-957B	-1,464B	-2,329B
Issuance of Common Stock	-	-	-	50B	80B
Repurchase of Common Stock	-	-	-	-80B	-20.82B
Issuance of Preferred Stock	140B	-	-	-	-
Repurchase of Preferred Stock	-11.16B	-	-	-	-
Common Dividends Paid	-98.36B	-114B	-117B	-118B	-139B
Preferred Dividends Paid	-6.05B	-5.8B	-5.84B	-5.82B	-5B
Common & Preferred Stock Dividends Paid	-104B	-119B	-123B	-124B	-144B
Net Increase (Decrease) in Deposit Accounts - (CF)	1,225B	3,257B	3,534B	873B	2,681B
Other Financing Activities, Total	-34.6B	-30.73B	-57.04B	-59.06B	-59.26B
Cash from Financing	1,213B	3,192B	3,820B	1,288B	2,716B
Foreign Exchange Rate Adjustments	-29.14B	60.85B	18.29B	11.26B	-29.35B
Net Change in Cash	-354B	490B	829B	-465B	-521B
Supplemental Items
Cash Interest Paid	378B	478B	667B	732B	769B
Cash Income Tax Paid (Refund)	82.65B	88.5B	87.32B	85.3B	66.21B
Net Debt Issued / Repaid	-1.18B	85.29B	466B	629B	179B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.02	0.97	0.87	0.78	0.72
Return On Equity %	11.33	10.64	10.01	9.45	8.98
Return on Common Equity	11.26	10.66	10	9.41	8.96
Shareholders Value Added	-9.54B	-24.82B	-50.6B	-76.43B	-104B
Margin Analysis
SG&A Margin	25.45	26.04	25.87	26.02	26.01
Net Interest Income / Total Revenues %	104.52	104.71	99.71	96.52	95.02
EBT Excl. Non-Recurring Items Margin %	64.68	64.31	64.43	64.01	63.65
Income From Continuing Operations Margin %	53	54.5	55.58	55.57	55.47
Net Income Margin %	52.72	54.41	55.41	55.4	55.14
Net Avail. For Common Margin %	51.26	52.18	53.13	53.14	53.38
Normalized Net Income Margin	40.14	40.11	40.1	39.84	39.45
Asset quality
Nonperforming Loans / Total Loans %	1.42	1.38	1.36	1.34	1.31
Nonperforming Loans / Total Assets %	0.83	0.81	0.79	0.78	0.75
Nonperforming Assets / Total Assets %	0.85	0.83	0.8	0.78	0.75
NPAs / Loans and OREO	1.45	1.41	1.37	1.35	1.32
NPAs / Equity	9.15	9.32	9.45	9.6	9.41
Allowance for Credit Losses / Net Charge-offs %	656.42	888.86	1.3K	1.14K	785.66
Allowance for Credit Losses / Nonperforming Loans %	205.76	209.3	213.86	214.8	213.46
Allowance for Credit Losses / Total Loans %	2.92	2.9	2.9	2.87	2.79
Net Charge-offs / Total Average Loans %	0.46	0.34	0.23	0.26	0.36
Provision for Loan Losses / Net Charge-offs %	217.54	236.61	257.45	176.42	122.66
Earning Assets / IBL	113.24	111.82	110.81	110.37	109.49
Interest Income / Average Assets	3.35	3.37	3.31	3.05	2.57
Interest Expense / Average Assets	1.36	1.55	1.77	1.69	1.34
Net Interest Income / Average Assets	1.99	1.83	1.54	1.36	1.22
Non Interest Income / Average Assets	0.49	0.39	0.36	0.32	0.32
Non Interest Expense / Average Asset	0.67	0.62	0.55	0.51	0.47
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.78	8.67	8.28	7.97	7.79
Total Average Equity / Total Average Assets %	9.03	9.08	8.65	8.3	8.07
Total Equity + Allowance for Loan Losses / Total Loans %	18.68	17.95	17.3	16.86	16.7
Gross Loans / Total Deposits %	71.76	71.53	72.05	73.3	72.9
Net Loans / Total Deposits %	69.66	69.45	69.96	71.19	70.86
Tier 1 Capital Ratio %	14.94	15.64	15.17	15.36	14.94
Total Capital Ratio %	18.02	19.26	19.1	19.39	18.76
Core Tier 1 Capital Ratio	13.31	14.04	13.72	14.1	13.57
Tier 2 Capital Ratio	3.08	3.62	3.94	4.03	3.82
Coverage Ratio	205.76	209.3	213.86	214.8	213.46
Interbank Ratio	45.35	50.7	53.35	39.74	23.49
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.9	1.72	1.56	1.53	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.79	0.44	-5.34	-2.69	-0.36
Non Interest Income, 1 Yr. Growth %	11.02	-13.19	0.72	-1.8	11.8
Provision For Loan Losses, 1 Yr. Growth %	0.62	-11.69	-16.56	-15.5	5.75
Total Revenues, 1 Yr. Growth %	9.91	0.64	-0.94	0.42	1.22
Earnings From Cont. Operations, 1 Yr. Growth %	10.24	3.09	0.83	0.5	1.04
Net Income, 1 Yr. Growth %	10.27	3.49	0.79	0.51	0.74
Normalized Net Income, 1 Yr. Growth %	7.97	0.77	-1.21	-0.11	0.23
Diluted EPS Before Extra, 1 Yr. Growth %	10.47	2.09	0.96	0.07	2.04
Dividend Per Share, 1 Yr. Growth %	10.26	3.48	0.96	0.52	0.75
Gross Loans, 1 Yr. Growth %	10.97	12.31	12.39	8.76	7.52
Allowance For Loan Losses, 1 Yr. Growth %	13.85	11.34	12.46	7.81	4.5
Net Loans, 1 Yr. Growth %	10.88	12.34	12.39	8.79	7.61
Non Performing Loans, 1 Yr. Growth %	-0.19	9.45	10.07	7.34	5.15
Non Performing Assets, 1 Yr. Growth %	-0.56	9.26	9.96	7.22	5.1
Total Assets, 1 Yr. Growth %	5.48	12.62	12.84	9.23	9.54
Total Deposits, 1 Yr Growth %	4.67	12.68	11.57	6.9	8.11
Tangible Book Value, 1 Yr. Growth %	8.04	7.66	7.82	5.65	7.76
Average Interest Earning Assets, 1 Yr. Growth %	8.66	10.57	12.74	10.58	10.56
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.26	11.98	13.68	11.02	11.45
Common Equity, 1 Yr. Growth %	7.94	7.6	7.76	5.88	7.67
Total Equity, 1 Yr. Growth %	12.57	7.28	7.43	5.58	7.14
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	4.52	3.56	-2.62	-4.02	-1.53
Non Interest Income, 2 Yr. CAGR %	8.8	-1.83	-5.67	-0.55	4.78
Provision For Loan Losses, 2 Yr. CAGR %	6.78	-5.14	-14.1	-16.23	-5.47
Total Revenues, 2 Yr. CAGR %	4.9	4.97	-0.1	-0.21	0.82
Earnings From Cont. Operations, 2 Yr. CAGR %	5.72	6.61	2.11	0.67	0.77
Net Income, 2 Yr. CAGR %	5.63	6.82	2.22	0.65	0.63
Normalized Net Income, 2 Yr. CAGR %	3.86	4	-0.05	-0.66	0.06
Diluted EPS Before Extra, 2 Yr. CAGR %	5.1	6.2	1.53	0.51	1.05
Dividend Per Share, 2 Yr. CAGR %	5.64	6.82	2.21	0.74	0.63
Gross Loans, 2 Yr. CAGR %	11.04	11.64	12.35	10.56	8.14
Allowance For Loan Losses, 2 Yr. CAGR %	12.33	12.59	11.9	10.11	6.14
Net Loans, 2 Yr. CAGR %	11	11.61	12.36	10.58	8.2
Non Performing Loans, 2 Yr. CAGR %	10.53	4.52	9.76	8.7	6.24
Non Performing Assets, 2 Yr. CAGR %	9.24	4.23	9.14	8.58	6.16
Total Assets, 2 Yr. CAGR %	8.08	8.99	12.73	11.02	9.38
Total Deposits, 2 Yr CAGR %	7.61	8.6	12.12	9.21	7.5
Tangible Book Value, 2 Yr. CAGR %	10.67	7.85	7.76	6.73	6.7
Average Interest Earning Assets, 2 Yr. CAGR %	9.11	9.61	11.6	11.66	10.57
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.4	10.1	12.82	12.34	11.23
Common Equity, 2 Yr. CAGR %	10.52	7.77	7.69	6.81	6.77
Total Equity, 2 Yr. CAGR %	10.3	9.9	7.38	6.5	6.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.45	3.14	0.42	-2.64	-2.82
Non Interest Income, 3 Yr. CAGR %	-5.44	0.91	-0.41	-4.4	3.41
Provision For Loan Losses, 3 Yr. CAGR %	8.08	0.65	-9.07	-14.7	-9.47
Total Revenues, 3 Yr. CAGR %	2.41	3.33	3	0.11	0.26
Earnings From Cont. Operations, 3 Yr. CAGR %	5.44	4.83	4.75	1.57	0.79
Net Income, 3 Yr. CAGR %	5.38	4.91	4.84	1.65	0.68
Normalized Net Income, 3 Yr. CAGR %	4.32	2.62	2.35	-0.07	-0.37
Diluted EPS Before Extra, 3 Yr. CAGR %	5.03	4.09	4.43	1.04	1.02
Dividend Per Share, 3 Yr. CAGR %	5.38	4.92	4.83	1.64	0.74
Gross Loans, 3 Yr. CAGR %	9.58	11.46	11.89	11.14	9.54
Allowance For Loan Losses, 3 Yr. CAGR %	13.46	12	12.55	10.52	8.21
Net Loans, 3 Yr. CAGR %	9.47	11.45	11.87	11.16	9.58
Non Performing Loans, 3 Yr. CAGR %	7.67	10.17	6.34	8.95	7.5
Non Performing Assets, 3 Yr. CAGR %	7.02	9.24	5.8	8.49	7.41
Total Assets, 3 Yr. CAGR %	8.29	9.57	10.26	11.55	10.52
Total Deposits, 3 Yr CAGR %	8.01	9.28	9.58	10.36	8.84
Tangible Book Value, 3 Yr. CAGR %	11.75	9.66	7.85	7.05	7.07
Average Interest Earning Assets, 3 Yr. CAGR %	9.51	9.59	10.61	11.26	11.29
Average Interest Bearing Liabilities, 3 Yr. CAGR %	8.1	9.58	11.28	12.22	12.04
Common Equity, 3 Yr. CAGR %	11.54	9.54	7.78	7.09	7.1
Total Equity, 3 Yr. CAGR %	11.78	9.29	9.08	6.78	6.71
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.92	5.85	2.73	0.16	-0.36
Non Interest Income, 5 Yr. CAGR %	0.11	-6.41	-5.53	0.68	1.64
Provision For Loan Losses, 5 Yr. CAGR %	18.36	7.06	-1.16	-6.45	-7.73
Total Revenues, 5 Yr. CAGR %	3.55	1.98	1.32	1.92	2.14
Earnings From Cont. Operations, 5 Yr. CAGR %	4.64	4.66	4.1	3.21	3.14
Net Income, 5 Yr. CAGR %	4.6	4.73	4.1	3.22	3.13
Normalized Net Income, 5 Yr. CAGR %	3.21	3.3	2.43	1.36	1.43
Diluted EPS Before Extra, 5 Yr. CAGR %	4.34	4.19	3.61	2.65	3.06
Dividend Per Share, 5 Yr. CAGR %	4.59	4.74	4.1	3.22	3.13
Gross Loans, 5 Yr. CAGR %	9.62	10.28	10.68	11.1	10.37
Allowance For Loan Losses, 5 Yr. CAGR %	15.84	14.57	12.83	11.24	9.94
Net Loans, 5 Yr. CAGR %	9.46	10.16	10.62	11.1	10.39
Non Performing Loans, 5 Yr. CAGR %	6.74	7.76	8.5	9.58	6.3
Non Performing Assets, 5 Yr. CAGR %	6.37	7.35	7.86	8.79	5.94
Total Assets, 5 Yr. CAGR %	7.82	8.71	10.04	10.15	9.91
Total Deposits, 5 Yr CAGR %	8.03	9.06	9.64	9.25	8.75
Tangible Book Value, 5 Yr. CAGR %	10.73	10.57	10.13	8.48	7.39
Average Interest Earning Assets, 5 Yr. CAGR %	8.38	9	10.34	10.4	10.6
Average Interest Bearing Liabilities, 5 Yr. CAGR %	7.6	8.36	9.96	10.68	11.26
Common Equity, 5 Yr. CAGR %	10.56	10.41	9.99	8.45	7.37
Total Equity, 5 Yr. CAGR %	10.58	10.42	10	8.17	7.98